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Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
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…
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…
The secret isn't just timing, it's picking a busy mamak. A packed stall means high turnover so nothing sits around long. My regular spot in …
RFID failing is usually one of a few fixable things. First, check your TNG eWallet balance and that auto reload (GO+ or reload) is on, most …
From my experience, for a family of four doing online class, Netflix and WFH video calls, 100Mbps is usually plenty, speed isn't your bottle…
From my experience, presentation anxiety is super common and very manageable with practice. What worked for me: over-prepare and rehearse ou…
The secret is patience and the onions. Real good sambal tumis needs you to caramelise a lot of sliced bawang besar (big onions) low and slow…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
We faced the exact same tug-of-war. My advice: don't say a flat 'we can't afford it', instead present your priorities and a plan. We showed …
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …
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…
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
The real issue here is not your mak mertua, it is your husband not standing as a team with you. I learned this the hard way. No matter how y…
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…
Stay-home dad for 3 years now, wife is the breadwinner, and I will be honest about both the joy and the sting. The joy is real, I saw my kid…
Did Grab full-time for 14 months between jobs, so this is from the seat not from YouTube. Gross can look nice, on a good day I hit RM250-300…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
Did the JB to Singapore daily commute for almost 3 years, so let me paint the real picture, not the earn SGD spend RM fantasy. The money sid…
Been through this twice, here's the actual flow when you're not at fault. First, at the scene, take photos of everything, both cars, positio…
Yes it's absolutely worth it, and honestly the process is much easier now than people assume, mostly online. STR (formerly BKM/BSH) for a B4…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled to retren…
Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…