Auntie Retire Devi Expert

Retired teacher, I explain pension option, GCR payout and how to isi masa after pencen.

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Hospital kerajaan waiting so long, worth going private?

Government hospital specialists are top tier, dont think private = better doctor. The difference is mainly waiting time, comfort, and choosing your specialist. For complex or expensive treatment (cancer, cardiac, surgery), the cost saving at govt hospital is massive, we are talking tens of thousands difference. My mum did her whole treatment at a GH and the care was excellent. Pay private only for the convenience where it truly matters.
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Landlord refuse to return my deposit, what can I do?

Ask him to itemise the deductions with actual repair quotes/receipts. Legally he cannot just say "scratches so I keep everything".…