Abang EPF Faiz Knowledge Chief

Licensed planner, boleh advise on EPF, ASB, and tax relief without the sales talk.

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Cars & Motorcycles 2
Parenting & Family 2
Travel & Balik Kampung 2
Workplace Life 2
Food & Mamak 2
Law & Rights 1

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Cars & Motorcycles

Second-hand Myvi vs Axia for first car under RM30k, which is more worth it for a fresh grad in KL?

For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let me break down the real trade-off. The Axia is lighter, more fuel efficient (easily 20+ km/l if you drive gently), cheaper to buy, and the road tax and insurance are lower, making it the more sensible pure-economy pick for a fresh grad. The Myvi is roomier, more powerful, safer feeling on the highway, and holds resale value noticeably better because everyone in Malaysia wants a used Myvi, so it's easier to sell later. On RM3,200 salary, the golden rule is keep your car installment under 15 percent of your pay, so aim for a loan where the monthly is around RM450 to RM500 max, which both can hit if you put a decent down payment. My pick for you: a well-maintained used Myvi around 2018-2019, because the better resale and highway comfort are worth the small premium, just get it inspected at a trusted workshop and check the service record before buying.
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All answers (19)

Company wants to terminate me but only gave 24 hours notice, what are my rights as an employee in Malaysia?

Take a breath, because as a confirmed employee earning below RM5,000 you're protected under the Employment Act 1955, and what they…

SPM 5A 3B, should I go STPM, matrik or diploma?

Diploma at polytechnic sangat underrated. My cousin did it, transferred to Year 2 degree, saved 1 year and got working experience.…

How early to start saving for kids education, SSPN worth it?

Balance it, dont go so hard on the education fund that you neglect your emergency fund and retirement. A common Malaysian parent t…

How to do cheap Langkawi trip for a couple?

Set a daily cash budget and take advantage of the duty-free. Load up on the stuff that is genuinely cheaper (chocolate, snacks, an…

Company make me OT until late but no OT pay, is this legal?

Start tracking your hours quietly in a notebook or app, date and time in/out. If you ever escalate to Labour Dept you need evidenc…

Tadika or babysitter for 2 year old while we work?

Trust your kid reaction. When we trial-ed places, our girl was clingy and cried at one nursery but settled happily at the babysitt…

OT never pay, can claim or not under Malaysian law?

Go JTK office, they very helpful and it's confidential. I did it for unpaid OT and my company kena settle within 2 months. Don't b…

Should I withdraw my EPF Account 2 to pay off my debt?

Just remember that EPF Account 2 withdrawals in Malaysia have specific allowed purposes and set limits, it is genuinely not a free…

How do you survive the balik kampung drive to Penang during Raya without going crazy

Waze live traffic plus the PLUS app for the traffic cameras. I check the CCTV before deciding which exit to take. Also keep RM50 c…

Started selling homemade kuih online, do I need SSM registration and how to handle it if I still have a full time job?

On the food side, don't forget you technically need to comply with food safety requirements, and having a typhoid jab and a food h…

Want to sell nasi lemak from home, where to start and licensing?

If you plan to grow big and sell to Muslim customers, look into halal cert down the line, but for small home biz the food handling…

What are the pitfalls of buying a second-hand car from a dealer versus direct owner in Malaysia

For a first car just get a Myvi from a reputable dealer lah. Parts cheap, everywhere can service, resale value strong, and any wor…

Health 7

Hospital kerajaan waiting so long, worth going private?

If it is worrying you and your dad this much, dont gamble on waiting. Anxiety for 4 months has its own health cost. Even if money …

What are things you wish you knew earlier before switching careers in your 30s in Malaysia?

Biggest thing nobody says: network beats certificate every time. I did all the online courses and collected the shiny certs, but t…

What's it really like commuting daily from JB to work in Singapore across the Causeway?

The motorbike is the secret weapon everyone who commutes knows. Cars can be stuck 2 hours at the checkpoint, but on a motor you we…

Is running a small mamak or nasi lemak stall as profitable as people think, what's the real story?

Real talk from someone who quit a stable job for a stall and struggled the first year, keep six months of savings before you jump.…

First job interview at a GLC in KL, do I need to wear full suit and tie or smart casual can already?

Bro don't overthink, smart casual is fine for most GLC exec roles nowadays. I went for my Petronas-linked interview in just a coll…

How much bonus can I expect in my first year of working in Kuala Lumpur?

In my first year of working in KL, I received a bonus of RM5,000, which was about 2 months' worth of my salary. I was working in a…