Cikgu Bahasa Faizal Knowledge Chief

SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.

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Wedding 3
Govt Aid & EPF 2
Side Hustle & Business 2
Food & Mamak 2
Salary & Bonus 1
Money & EPF 1

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The most-approved answers

Govt Aid & EPF

Do I really need to register SSM for my small online business?

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 running an unregistered business can attract penalties. The good news it's cheap and easy. Process: (1) Register a sole proprietorship (enterprise) via SSM's online system (EzBiz), you pick a trading name or use your own name, fill in the business nature (e.g. online retail), and pay the small yearly fee (very affordable, plus a bit more if you register a trade name). (2) You get a business registration cert, which you then use to open a business bank account, apply for platform seller verification, and for any grants or micro-financing. (3) Renew it yearly. Registering also protects you and looks more legit to customers. Some marketplaces are also tightening seller verification, so having SSM helps. It's genuinely a low barrier, do it properly from the start. Confirm the current fees and steps on the official SSM/EzBiz portal.
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All answers (20)

If I resign before bonus month, do I still get prorated bonus?

Depends 100% on your contract or company policy, there is no law forcing them to pay bonus if you are not employed on payout date.…

ASB financing loan worth it or just invest cash slowly?

I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats you…

Choose tadika or nursery for my 4 year old, how to decide?

Quick clarity: nursery (taska) usually focuses on care and is for younger kids or full day, tadika is kindergarten with more struc…

After SPM not sure what to do, matrikulasi, foundation or diploma?

Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and …

Wedding 33

Realistic wedding budget in KL for 2026?

Did mine in KL recently, let me break it down honestly. The Chinese dinner banquet is the biggest chunk: hotel/restaurant tables r…

Can I do a side hustle while having a full time job? Any legal issue?

Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employmen…

Wedding 26

Kahwin budget spiralling, how to keep cost sane without malu?

Got married 2 years ago, kept it under control and zero regret. Biggest lesson: the wedding is ONE day, your marriage is forever -…

Is selling on Shopee still worth it or market too saturated already?

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)…

Company only let carry forward few days leave, can force encash?

Carry forward and encashment policy is largely up to the company, as long as they meet the legal minimum leave entitlement each ye…

Wedding 20

Nak kahwin tapi bajet ketat, macam mana buat majlis simple tapi bermakna?

Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2…

Setiap pagi rasa cemas nak pergi kerja, dada berat. Ini burnout ke?

Befrienders tu betul membantu, aku pernah call masa tengah down teruk tengah malam. Diorang dengar je tanpa judge. Free dan confid…

Want to start a small food stall, what license and permit I actually need?

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

Mak mertua wants to stay with us, wife setuju, I stress. How?

Choose your battles lah bro. The small things - just let go. Is it really worth fighting over how she folds the towels or which ch…

購買新手機時,我要考慮哪些因素?

我會考慮手機的功能和性能。例如,我會考慮手機有多少個攝像頭、有哪些軟體功能等。通常,我會選擇功能齊全的手機,然後考慮它的價格和質量。

Do I really need to register SSM for my small online business?

Just to add, registering also matters for tax. Business income is taxable, and once you registered and keep proper records, filing…

What are the best routes to take when driving from KL to Penang during peak season?

I've driven from KL to Penang many times, and I always take the North-South Expressway. It's the fastest route, and it usually tak…

Health 7

Klinik panel company slow sangat, patut terus pergi hospital kerajaan?

Aku kerja shift, so aku selalu guna klinik panel yang buka 24 jam. Cari list panel HR company kau, biasanya ada beberapa pilihan, …

Want to start a small food stall, what license and permit I actually need?

Budget tip: SSM sole prop is very cheap yearly, the council licence is the variable cost, and location is everything. Don't just s…

What's it like renting a room in KL as a fresh grad on RM2,800 salary

Find housemates through your office colleagues first. Renting a whole unit split three ways in Sri Petaling cost me only RM750 for…