Uncle Raju Insurance Knowledge Chief Insurance agent since 1998, I explain medical card and takaful in plain talk.
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Gadgets & Telco
Klang Valley coverage most of the big ones okay lah, the difference shows more when you balik kampung. For heavy data under RM100, the CelcomDigi unlimited plans decent, I use it WFH tether whole day no issue. Yes 5G very cheap for data (unlimited some plans) and 5G speed power in KL, BUT their 4G fallback weaker in some spots and inside buildings sometimes drop. Yoodo (Celcom network) is flexible, customise your plan, good value. My honest pick: if you in KL city and got 5G phone, Yes gives best data-per-ringgit. If you travel around a lot, CelcomDigi safer. Try a prepaid SIM first to test coverage at your house and office before commit postpaid.
All answers (23) I made the move to renting alone at a similar income and honestly it was one of the best decisions for my mental health, but let m…
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…
I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Wh…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the devi…
Jangan quit kerja admin dulu sampai kau ada offer atau portfolio kukuh. Belajar malam dan weekend. Aku transition sambil kerja lam…
I did my gallbladder removal at govt hospital, total cost was like RM100 plus. Waited about 3 months for the non-urgent slot but t…
Check gaji market kat portal macam Glassdoor atau tanya senior batch kau. Ada data baru kau ada leverage cakap. Jangan cakap saya …
The thing people ignore until it bites them, PTPTN default can get you blacklisted and it shows up when you apply for a housing or…
One thing to watch, some of the cheap unlimited plans throttle your speed after a certain quota or during congestion, so read the …
These days I just renew both insurance and roadtax through my insurance agent in one go via WhatsApp, he sends everything and I pa…
On tax, remember you pay on profit not sales, so keep ALL your receipts, cost of goods, packaging, postage, Shopee fees, ads, all …
Negotiate, the first offer is rarely the ceiling. Companies often have room to give more, especially to avoid disputes and get a c…
For engineer, SG experience on your resume is valuable even if you return. The standards, exposure to bigger projects, and MNC net…
Even if the injury feels minor now, claim and keep documentation, because some injuries (especially leg, back) can have complicati…
RM800 for repaint is quite standard deduction that many landlords force, technically not always legal but a lot of tenants just ma…
This is why the move-in inventory photos are gold. I take video walkthrough on day 1 with the date visible, every room, every wall…
Depends heavily on which department bro. My cousin in a GLC engineering team super chill, balik on time every day, work-life balan…
Don't over-stress the technical, for fresh grads they know you won't be an expert, they want coachability. My interview was more b…
Honestly the trick to getting it right is to keep it simple and repeat back your order to confirm. When it's noisy, orders get mix…
Practice jawapan tu depan cermin sampai natural, jangan tersekat-sekat sebab itu yang buat nampak defensive. Confident tone matter…
Small but real pitfall, prepare for the toilet and food situation especially if you have kids or elderly parents. The R&R toilets …
Also remember government hospitals are your ultimate safety net in Malaysia, cheap and the doctors are actually very good, just lo…