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Helped my parents and a few neighbours apply, so here is the plain-language version. STR, Sumbangan Tunai Rahmah, is the cash aid that repla…
Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…
Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
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…
From my experience the golden rule is leave at odd hours. Departing around 3 to 5am has saved me many times, the kids sleep in the car and t…
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…
Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
Yes, if you're carrying on a business (selling to make profit, even part time online), you're generally required to register with SSM, and r…
Bawah Employment Act (yang dah luaskan cover semua pekerja tak kira gaji sejak pindaan terkini untuk banyak provision), pekerja yang layak b…
For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let …
Staying in PR1MA Cyberjaya area for 3 years already. The price memang cheaper than market, thats the main plus. But be realistic ah - the 10…
我會比較不同的品牌的手機價格和配置，選擇最好的價值。例如，我會比較 Apple、Samsung 和 Huawei的手機價格和功能，然後選擇最適合我的手機。通常，我會考慮手機的實際應用，而不是品牌的聲譽。
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …
Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
Yes! Commuting accident (kemalangan semasa perjalanan) on your usual route to/from work IS covered under SOCSO Employment Injury Scheme - ma…
I duduk PR1MA dekat area utara dah 4 tahun. Pros: harga entry rendah, dan ada moratorium 10 tahun so tak boleh jual awal, yang secara tak la…
HR here, sat in maybe 800+ interviews across KL and PJ. The mistakes that quietly kill you: One, being late and blaming traffic or LRT. Ever…
Owned a Myvi for five years as my first car on a similar salary, so here's the honest breakdown. The Myvi wins big on resale value, Perodua …
After 15 years of balik kampung to Penang, my golden rule is to leave at odd hours, either 4am or after 10pm, never in the afternoon when ev…
Married two years ago, big-ish family affair, and here is the stuff I wish someone sat me down and said. One, the guest list drives absolute…
STR (Sumbangan Tunai Rahmah), yes it's the successor to BR1M/BPR. You apply and check through the official LHDN portal (bantuantunai.hasil.g…
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…