Cikgu Tuisyen Ganesh Expert Run tuition centre, I guide on scholarship, matrikulasi vs STPM and course pick strategy.
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Money & EPF
Invest in your own skills too at 24, that is the highest ROI. A course or cert that bumps your gaji from RM3200 to RM4500 gives you way more investable money than optimising a small portfolio. Grow your income AND invest the surplus. Best combo when young.
All answers (5) One thing people forget, get your loan pre-approved before you get too excited. Even at PR1MA prices, if your DSR (debt service ra…
Start managing your PTPTN early, the discount for consistent repayment and the tax relief help, and clearing it improves your cred…
One thing nobody mention, taste and adjust at the end. Sambal is about balance of pedas, masin, manis, masam. If too sweet add mor…
Tip: the official Halal Malaysia verification is free to use, key in the restaurant name and it shows if cert valid and not expire…