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Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …

My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…

Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…

I did this last year and got a RM1,800 raise to stay, so it can work, but the way you frame it is everything. I never said give me more mone…

Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…

Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …

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. Most Mala…

Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…

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

Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…

For heavy data, the honest answer is: coverage where YOU actually are matters more than the brand or the GB number on the ad. All the telcos…

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

Haha the classic mamak struggle. What works for my gang: one 'captain' collects everyone's order and relays it in one clean go, grouped by d…

Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…

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

Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …

Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…

What you describe sounds like it could be unfair dismissal, and Malaysian law protects you here. An employer generally cannot just terminate…

DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…

Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …

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

Realistically, since you're staying with parents, this is the best time in your life to save hard, before car loan, rent and family expenses…

A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, and…

From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…