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@ovixs90 I noticed this as well, considering the rent is quite high, OP can definitely find somewhere closer to his office and not have to commute 2 hours. This can also save overall toll and petrol

@lucy23 Agreed on this course of action. Restructuring the debts from CC with high interest to a single lump sum at a lower interest.

@terrym5407 The bank will have their own internal scorecard to determine the rate and amount to you. If the bank wants to contain their risk, the interest and amount will be different. If the bank is under the mandate to give more loans, then the approval rates will improve as well as the...

@hummelav The only benefit you will get for being a salaried T20 is that you have to pay more tax.

@cookie1720 Sorry to hear about the loss, at the end of the day, after doing all the relevant reports and finding ways to recover the money, I would take it as an expensive tuition class. Can't be helped.

@letsgohome First of all, I am sorry to hear about your condition. I can't imagine what you are going through and I hope things get better for you. Firstly, what the company is trying to do is kick you out as the process to do that legally is to issue 3 warning letters. In this situation, you...

@ash55 Don't put your eggs in just one basket, opening a bank account is free so you should explore the various banks around. I have a Maybank, Hong Leong Bank, Bank Islam (Be U), GX Bank, HSBC account and I feel that all of them have their own pros and cons. At the end of the day, what do you...

@drinat23 The first digital bank to be launched in Malaysia predominantly run by Grab

@lumenlight Of course I do understand PIDM, I work at the bank and most of the major banks here are also covered by PIDM up to RM250k.

@plavious Yup, emergency funds are there and some savings pocket as well. Just make sure that if anyone wants to be safe, don't exceed the RM250k PIDM coverage.