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I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…

Two separate permissions matter here: your LANDLORD and the condo MANAGEMENT (house rules). Even if management technically bans pets in the …

My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…

I've done this and it can work if handled with tact, not arrogance. Instead of bragging 'I have two offers so hurry up', frame it around tim…

I sell skincare on both since 2023, and the honest truth is TikTok Shop can explode your sales but it eats your time and margin differently.…

Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…

I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…

I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan int…

Been through exactly this, now married 6 years, two kids, alhamdulillah. Real talk: the conversion is not a paperwork thing, it changes your…

Adopt don't shop, respect la for that. I got my two from SPCA Selangor in Ampang and also there's PAWS in Subang, both legit and the cats al…

I spent 6 years in one of the big GLCs before jumping to a startup, so I can tell you both sides. The pay is not the highest but the total p…

Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…

Bawah Employment Act (yang dah luaskan cover semua pekerja tak kira gaji sejak pindaan terkini untuk banyak provision), pekerja yang layak b…

If it is genuinely 0% with no hidden fees, and you have the discipline, installment is mathematically smarter, keep your cash working and pa…

Klang Valley coverage most of the big ones okay lah, the difference shows more when you balik kampung. For heavy data under RM100, the Celco…

We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …

I hit full burnout in 2022, couldn't get out of bed, and I carried the same guilt you're describing. Here's what I learned: mental health IS…

I did the JB-Singapore commute for three years. The money is real and it helped me support my family and save fast, thanks to the exchange r…

For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …

Remember EPF is your retirement lah, once you take out for house it's gone from the compounding. A lot of Malaysians reach 55 with pathetic …

PR1MA is decent for a first home IF the location works for your life, not so much as an investment. Two big things people forget: first, the…

I travel to Terengganu often and honestly the best test is to buy a cheap prepaid SIM of the telco your kampung folks recommend and try it b…

From my experience, the mamak secret is mostly resting time and fat. The dough needs a high-fat coating (ghee or oil) and must rest for hour…

It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…

Rented rooms in KL for 5 years across 4 units, so learn from my kena. Standard deposit is usually 2 months rental plus half month utility de…