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

Yes you should have your own, and I learned this the hard way. Company insurance sounds great UNTIL you leave the job, get retrenched, or re…

Kajang ke KL Sentral, honestly kalau boleh tahan sikit dengan KTM/MRT lagi jimat. Kira dulu: kereta baru installment RM800-1000, insurans RM…

I joined a GLC in 2020 after going through their process, and yes it is slower and more formal than private sector, prepare for that mentall…

After 15 years of balik kampung to Penang, my golden rule is to leave at odd hours, either 4am or after 10pm, never in the afternoon when ev…

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, …

What we do in my family, use both smartly. For the FIRST consultation and diagnosis where speed matters (to know what you are dealing with),…

I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …

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…

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…

Eight months is workable but for popular dewan on peak weekends (school holidays, after Raya, 'good dates'), the best ones get booked a year…

Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …

I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…

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…

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…

Switched from banking ops to data analyst at 33, now 37 and no regrets. Things I wish somebody told me: one, your age is not the problem, yo…

Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…

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…

Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months exp…

Technically, if you're carrying on a business in Malaysia, you're supposed to register with SSM, it's not really optional even for "small sm…

We went through the same drama with my parents. What helped was consistency and framing it as the child's health, not criticism of grandma. …

I spent my first 4 years at an SME doing everything, exactly like you, and I worried the same. When I moved to an MNC, here's what I learned…

On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…

Drive but go the Gua Musang route instead of the coastal highway if the jam report is bad, it's more winding but often much clearer during p…

Went through this exact thing. First, gather your evidence: the tenancy agreement, your move-out photos/video showing clean condition (if yo…