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I chose to pay mine off early and here's my reasoning beyond pure math. Yes, PTPTN's interest is low and ASB might return more, so financial…

Under the Employment Act (now covers all employees), overtime on a normal working day must be paid at 1.5x your hourly rate, rest day and pu…

Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis je. Biasan…

I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…

You have options, don't just eat the loss. Currently Malaysia has no dedicated Residential Tenancy Act yet (it's been proposed for years), s…

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

Two kids, and I took a middle path both times which I recommend. The core idea behind confinement is REST and recovery, that part is legit a…

Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…

I accepted a counteroffer once and regret until today. They matched my gaji but the trust already broken, boss slowly sidelined me and I was…

Honestly I would not raid EPF for a car even if there was a way. I did the maths once when tempted: my EPF was earning more in dividends tha…

Congrats on the results! I did STPM and here is the real talk. Matrikulasi is 1 year, easier syllabus, and CGPA generally higher which helps…

We have 3 kids and drove to Kelantan for years before finally trying to fly, so I can compare. Driving during Raya balik kampung peak is bru…

Ah, the mamak game, let me put you on properly. Timing-wise, avoid the peak windows: breakfast 8-9.30am, lunch 12.30-2pm, and the big one, f…

Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…

Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…

Dealt with this exact thing and helped a few friends too, so here is the practical playbook. First, understand there is currently no dedicat…

From my experience, never let a 'hinting' promotion hold you back. I stayed one extra year waiting for a promotion that my manager kept prom…

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…

Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…

I did exactly this in 2021, left a QA engineer role at RM7k to join a SaaS company in Bangsar South as an account executive. First year my b…

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…

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

Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…

I've bought three used cars, two from dealers and one direct owner, so here's my honest breakdown. Direct owner is usually RM3,000-6,000 che…

RM300 for taking on people management is honestly on the low side and you have every right to counter, but do it with data not emotion. Pull…