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Why the gap exists PTPTN’s stated timeline is that the first disbursement is credited within 21 working days of receiving a complete set of documents, into the student’s own bank account, and only after the institution has confirmed registration. Before that point come the online application, a RM25 LHDN stamping fee on the loan agreement,...

The dividend yield on the fund fact sheet is not the yield that reaches your account. For a Malaysian investor in US-listed shares or ETFs, a withholding tax comes off before you see a cent, and the way around it is not the way most people think. The post US stocks from Malaysia: the 30% you may not have accounted for appeared first on iMoney

Two people in the same apartment, same desk, same electricity bill. One can deduct a share of it against tax. The other cannot. The difference is not what they spend, it is how they earn. The post Working from home: what you can and cannot claim appeared first on iMoney Malaysia.

Three doors for the same cough: the government clinic, your employer's panel clinic, or a private GP you pay yourself. The cash price is only one of the costs. The waiting time and the referral chain are the others, and they decide which door is actually cheaper. The post Panel clinic or government hospital: what each visit actually costs you

The stamp duty on a tenancy is small, often skipped, and the single thing that decides whether the agreement is worth anything when the relationship goes wrong. The post Tenancy agreement stamp duty: who pays, how much, and why it protects you appeared first on iMoney Malaysia.

The venue is not where weddings go over budget. The lines that overrun are the ones priced per item, photography, attire, the gifting, because each one expands quietly and nobody is watching the total. Here is the cost by component, with the range at each, and the three decisions that move it most. The post Wedding costs 2026: what couples act

Haze returns every year in the inter-monsoon window, and every year the purchase gets made in a hurry. It is a reasonable purchase. It is also a total-cost-of-ownership problem dressed as a sticker price, and the cheap unit is often the expensive one. The post Haze season: what an air purifier actually costs to run, and what it does not fix ap

National coverage of cost-of-living aid stops at the federal schemes. For households in Sabah and Sarawak there is a second layer, administered by the state, that national explainers never mention, and that a family can qualify for without knowing it exists. The post Malaysia Day: the aid a Sabahan or Sarawakian household can claim that a Peni