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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…
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
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…
I felt exactly this way 6 years ago, so let me give you the long view. Fresh grad starting RM2800-3200 is normal for many non-technical fiel…
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 …
Yes you can pay in lieu of notice, this is very standard in Malaysia. Check your contract, usually it says either party can pay salary in li…
Congrats. Budget really depends on scale, guest count and expectations, but let me give ranges from what I saw. A modest but nice wedding th…
For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…
Been there, nearly quit without a backup plan which would have been dumb. What actually helped me survive while job hunting: over-communicat…
Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…
Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …
I stay in a PR1MA in Selangor going 3 years now, sharing honest experience. Pros: I bought at below market price, and monthly instalment che…
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…
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
Don't panic la. My cousin also fail BM and he still study diploma in a private college, no problem one. But if you target IPTA or matrikulas…
RFID failing is usually one of a few fixable things. First, check your TNG eWallet balance and that auto reload (GO+ or reload) is on, most …
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…
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 …
Went through this exact thing lah, so painful. First, gather ALL your evidence: move-in photos, move-out photos, the tenancy agreement, and …
The secret is patience and the onions. Real good sambal tumis needs you to caramelise a lot of sliced bawang besar (big onions) low and slow…
Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employment, conflic…
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
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…
There are real options at lower cost, you just have to know where to look. (1) Government hospitals and Klinik Kesihatan have psychiatry and…