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Honestly I would not raid EPF for a car even if there was a way. I did the maths once when tempted: my EPF was earning more in dividends tha…

Boleh nego, dan jarang company tarik offer sebab kau tanya elok-elok. Yang penting cara. Cuba email/reply macam ni: thank you for the offer,…

Go on weekdays if you can, ORRR long weekend but avoid it lah, it becomes a parking lot especially Brinchang town. Two routes: the Simpang P…

First check your company policy: carry forward or forfeit? Many Malaysian companies allow carry forward of a few days, some pay out unused l…

Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…

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…

Aku ada full time job dan side income dari jual barang pre-order (dropship supplier lokal). Realistik tips: (1) Pilih benda yang leverage sk…

For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…

Worked in SG 4 years, commuting from JB first year then relocated. The money IS good - even after everything, I saved way more than my KL pe…

Did it last year for my apartment in Seri Kembangan lah. Go KWSP website, login i-Akaun, apply under "Pengeluaran Perumahan". You need the S…

Commuted for over 4 years, so here is everything I wish I knew on day one. One, timing rules your entire life, and small differences are mas…

Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…

Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…

Both are valid, depends on the child. My daughter did matrikulasi and my son did STPM, so I saw both. Matrikulasi is one year (some streams …

From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…

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

Aku commute JB-Singapore dah 3 tahun. Reality check: SGD3,000 tukar RM memang nampak besar (RM10k+), dan itu daya tarikan utama. TAPI kos hi…

Take the new job, don't stay. Classic mistake. Think about it: your boss only values you enough to pay properly AFTER you threatened to leav…

Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…

Came back after 8 years, here's my honest reflection. The pay cut is real, don't sugarcoat it, headline salaries here are lower. But you mus…

I worked 6 years MNC then jumped to GLC, so I can compare lah. MNC learning curve very steep, you grow fast and the name looks power on resu…

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…

You have options, don't just eat the loss. Currently Malaysia has no dedicated Residential Tenancy Act yet (it's been proposed for years), s…

Nego always can, worst case they say no, they wont withdraw for asking politely lah. When I got my first offer I emailed back: "Thank you fo…

Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…