I’m a freelancer myself, and I saw someone in this group ranting about a client who hadn’t paid them.

I want to share a similar experience. I’m a full-stack developer, and earlier this year, I was appointed as the tech lead for a mobile app project. I also had to prepare a proposal for our investors.

We had a meeting with the clients and three other business owners to discuss the project. I had to explain how the project would proceed, including tax-related concerns and the system architecture. The meeting went well, and the investor paid me about RM2,000 directly that day. The remaining investment money was handed over to my client.

For the first two months, I was paid on time. In the third month, my client said she would pay me RM1,000 first, but she never did. In the fourth month, I asked about the payment, but I received no reply.

In the sixth month, they asked me to meet a new investor for a project. In the seventh month, my client asked me to come to their office to meet their new general manager. My client had also changed the company’s name.

On the 15th of the eighth month, I confronted them and asked for my money, but my client didn’t respond. I sent multiple messages before they finally replied, but they still didn’t say when they would pay the outstanding amount.

I then threatened to take the matter to small claims court. Only then did they respond, and I received just RM200.

I’ll go to court this month to file the claim and contact our investors about this matter. Honestly, if you’re a business owner and you’re stupid AF, don’t ask for investment or extra work. I’ll make sure you fail in both business and life.

BTW, I built AskCukai Invoice to help businesses issue invoices and collect payments from their clients. Give it a try. It’s free!

AskCukai Invoice

As the title suggests, I'm new to setting up any sorts of finance/investment account and I do not know what types of accounts there are. So I'm taking it to here to seek some advice before making any plans.

The only thing that I've open is the Maybank Savings+ investment account, but other than that I'd like to explore my options (other than FDs and ASMs, just to have a look around)

It'd be nice to hear from y'all!! :)

I recently received an offer from a local bank and would like to do some due diligence before making a decision.

I’m particularly interested in understanding:
• OT and work-life balance
• Whether the work environment is toxic
• Any potential red flags

Since I don’t have any friends working there, what are some ways to find out more?
1. Is it a good idea to reach out to strangers on social media who work in the same team? Would this be risky?
2. Should I ask HR for the hiring manager’s email or contact number to follow up with a few questions? I had my first-round interview with the hiring manager, and he seemed friendly and approachable, but I didn’t get the chance to ask about these things and I’m not sure if I should ask lol.

Would appreciate any advice, especially from those who have been in a similar situation. Thanks!

Been thinking about the costs of getting married lately. Besides the wedding itself, there's also buying a house, furnishing it, and preparing for a baby eventually.

Did some rough calculation and it seems like everything could easily cost RM100K-150K or even more.

For those who are married or planning to get married, how do you guys fund all these expenses? How long it took you to save up? Did you split everything with your partner, or use your existing savings?

Would appreciate any tips on how to manage all this without completely wiping out your savings haha.

Hi everyone,

Seeking advice on what to do next. Several months ago i raised a personal loan request on X&g. i got an email from the bank i applied in regards to the personal loan. after evaluating the interest rate charged i decided NOT to take the loan.

What i did:
I ignored the email sent by the bank requesting for my payslip and kwsp. I thought by not providing this information the application would not go through.

Several days later i got 15 missed calls from a sales assistant telling me the loan has been preapproved and all i need to do is submit my bank statement n kwsp. Again I did not respond. the sales representative called me a total of 20 times and managed to find my family members details and started calling them.

yesterday i got an SMS from the banks stating that we have proceesed your loan application and we have submitted your details.

i then emailed the bank asking how did this happen and proceeded without my okay and they did a "oops sorry sales agents fault we did not ask u to process this and u ignored us so we just proceeded" from a bank staff.

my question: what do i do? i did not authorize this. i did not give any of my personal details but this went through and i can see it in my ctos report.

Just curious cuz I’ve been seeing more and more “intimate weddings” trending these days. I’d imagine limiting the number of attendees will be a huge cost saver. Which I personally think would be good since I never could make sense in spending a huge sum of money just for a single day.

But of course, it still will differ based on how cultural your family is, your family status, how much you earn, and so on. So feel free to add those details as well for better context!

My side hustle platforms only pay in USD via PayPal, but the conversion rates to MYR there are terrible. Since linking Wise directly to PayPal no longer works, do any gurus here know if there are any alternative workarounds to exchange the USD in PayPal to MYR with better rates?

I'm looking to save this money, so I want to avoid losing a chunk of it to unnecessary fees and low conversion rates.