Investor Auntie Grace Knowledge Chief

Retired accountant now dividend investor, I talk REIT, ASNB and safe passive income lah.

financial planner Specializes in All-around Career
836Knowledge points
13Answer
144Likes earned
2Best Answer
Knowledge ChiefContributor 2 best answers Experience Champ Trending Generous Sharer

Specialty topics

Rent & Property 3
Travel & Balik Kampung 2
Money & EPF 2
Side Hustle & Business 2
Education 1
Pets 1

Featured Work

The most-approved answers

Education

Is SPM still that important, or is it overrated already?

Teacher for over a decade, and I will give you the balanced answer because both SPM is everything and SPM is useless are wrong. The truth: SPM matters a lot at one specific gate, and almost nothing after you pass through it. It matters because your results decide your immediate options, matriculation, JPA and other scholarships, foundation programmes, entry into certain competitive courses and universities. A strong SPM opens the cheaper, faster routes to tertiary education, and for a family without much money, that scholarship can be genuinely life-changing. So for a 17-year-old, it really is important, don't let anyone tell your cousin it does not matter at all. BUT, here is the part the stressed kids desperately need to hear: once you are past that gate, into college or working, nobody ever asks your SPM again. Your degree, your skills, your experience completely take over. I have never once had an employer ask my SPM. So the honest framing for your cousin: take it seriously because it decides the next 2 to 3 years of options, but it does NOT decide your whole life. Plenty of average-SPM students built great careers. Do your best, but it is a checkpoint, not a final verdict on your worth.
55First-hand experience

All answers (13)

Pets 16

What are things you wish you knew earlier before adopting a cat in Malaysia?

Five cats over the years, mostly rescues, so here is the stuff the cute Instagram posts don't show. One, budget for vet bills, thi…

Cuti sekolah nak bawa family, Langkawi atau Penang lagi baik untuk anak-anak?

Aku baru balik Penang dengan family. Anak-anak suka Escape park dan main air. Makanan murah dan sedap, hotel pun banyak pilihan ba…

Should I withdraw EPF Account 2 for house downpayment?

Remember EPF dividend is basically guaranteed and tax free, it is one of the best low risk returns you can get in Malaysia. Every …

PR1MA berbaloi ke berbanding beli rumah open market?

Pergi tengok sendiri unit tu waktu petang dan hujung minggu. Tengok traffic, tengok ada kedai makan tak, ada klinik dekat tak. Rum…

Should I self-contribute EPF as a freelancer?

As a freelance photographer I self-contribute to EPF every month like a salary to myself. Biggest benefit for me is discipline, be…

Health 8

Is going to a private hospital worth it, or just tahan at govt hospital?

If you already have medical insurance or a company medical card, going private is basically a no-brainer for the convenience and s…

Nak kahwin tapi bajet ketat, macam mana buat majlis simple tapi bermakna?

Jangan berhutang untuk satu hari majlis. Aku nampak kawan kahwin mewah, lepas tu bergelut bayar hutang tahun-tahun. Marriage tu un…

What's it like to actually service a 30-year housing loan in Malaysia?

Get a flexi or at least a semi-flexi loan, not a plain basic term loan, this is the tip nobody bothered to explain to me early. Wi…

Balik kampung to Kota Bharu during Raya, is it better to drive overnight or take ETS plus bus to avoid the jam?

Whatever you do, avoid leaving on the last working day evening before Raya, that's when the whole Klang Valley empties out at once…

Housing loan rejected by 2 banks, how to improve chances?

Get a good mortgage broker/banker who knows which banks are lenient with your profile. Different banks have different appetite, so…

Starting a side hustle, need to register SSM or not?

Just register lah, it's literally like RM30 to RM60 on EzBiz and done in 20 minutes online. I put it off for a year thinking "so s…

Is running a weekend pasar malam stall actually profitable or just glamour on TikTok

It can work if you have one signature item that pulls a queue. My cousin sells only one thing, a viral cheese corn cup, and people…