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Start now, seriously, time is your biggest advantage with a newborn, you have 18 years of compounding. My approach for my two kids, a layere…
Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…
Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
I was in your exact position and staying too long was my mistake. The market often rewards movers, I got a manager title only after switchin…
From my experience, burnout is real and it doesn't mean you're weak or lazy, it means you've been strong for too long without rest. You don'…
Never give a single number, give a range and always anchor higher. I usually say something like "based on my research for this role and my e…
KL to Kota Bharu is no joke, that's the East Coast run and the pitfalls are different from the North-South Highway. First, don't blindly tru…
Five cats over the years, mostly rescues, so here is the stuff the cute Instagram posts don't show. One, budget for vet bills, this is the b…
First, check the saman details online (MyEG, JPJ portal, or PDRM eSaman) - see the date, time, location and the recorded speed. If it is AES…
PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…
Went through this exact thing. First, gather your evidence: the tenancy agreement, your move-out photos/video showing clean condition (if yo…
I've done this and it can work if handled with tact, not arrogance. Instead of bragging 'I have two offers so hurry up', frame it around tim…
Klang Valley coverage most of the big ones okay lah, the difference shows more when you balik kampung. For heavy data under RM100, the Celco…
I hit this exact wall two years ago, servicing a house in Semenyih and a car, feeling completely trapped and dreading work daily. What actua…
I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
Ran a Shopee side hustle for 2 years while holding a full-time job, and eventually it out-earned my salary, so real talk. Yes it is realisti…
I've commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…
36 now, and here is what I would tell my 22-year-old self standing in Mid Valley about to swipe. One, lifestyle inflation is the silent kill…
Switched from admin to data analyst at 34, so no, 32 is NOT too late lah. But be realistic with a family depending on you - dont quit your j…
From my experience interviewing candidates, the golden rule is never badmouth your old boss, it makes YOU look like the problem, fair or not…
Kajang ke KL Sentral, honestly kalau boleh tahan sikit dengan KTM/MRT lagi jimat. Kira dulu: kereta baru installment RM800-1000, insurans RM…
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …