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On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
Done this KL-Penang balik kampung drive maybe eight times, and timing is everything. The golden move is to leave either super early like 4-5…
Mak dua orang anak di sini. Tantrum umur 3 tahun tu normal, otak dia belum boleh regulate emosi lagi. Yang orang pandang tu, ignore je, most…
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…
I duduk dengan mak mertua dah 5 tahun, so far okay sebab ada ground rules dari awal. Tips penting: (1) Set boundaries secara halus, contoh b…
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。
Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …
Relax, expired road tax is very common and renewing is straightforward. If it's expired less than a certain period and no other issues, you …
I accepted a counter-offer in 2021, they bumped me from RM4,500 to RM6,000 on the spot. Six months later I realised the trust was gone, my m…
I ran a home-based food side hustle (frozen ready-to-eat and weekend pre-orders) alongside my 9-to-5 for about two years, and I also did a f…
From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…
I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …
Yes you should have your own, and I learned this the hard way. Company insurance sounds great UNTIL you leave the job, get retrenched, or re…
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…
Two separate permissions matter here: your LANDLORD and the condo MANAGEMENT (house rules). Even if management technically bans pets in the …
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…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
Been running home food biz 3 years. Start small - dont invest big first, test demand with your neighbours and one office building. Licensing…
Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employment, conflic…
My wife and I did KL-Penang LDR for almost 2 years before I finally relocated, so it can work but only with a clear end goal. The killer of …
Never give a single number, give a range and always anchor higher. I usually say something like "based on my research for this role and my e…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …
Brother, first separate two things: mas kahwin (maskahwin/mahar) is the fixed sum set by the state religious authority, usually a modest sta…