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MediAsas (Base MHIT): What Malaysia's New Medical Plan Covers
Malaysia's base MHIT plan, now called MediAsas, starts its pilot in July 2026. Here is what it covers, what it costs, and who should buy.
Continue reading →Personal finance · Malaysia
Practical money decisions, explained with numbers.
Hi, I'm Joseph. Just a regular guy trying to make smarter money moves in Malaysia. Think of this blog as my open diary of financial experiments, from comparing credit cards to exploring ETFs. Let's figure this out together!
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The Hire Purchase (Amendment) Act 2026: The End of “Flat Rate” Car Loans
The Hire Purchase (Amendment) Act 2026 has officially killed the classic Malaysian flat rate car loan. But does the new reducing balance method actually make borrowing cheaper? Here is a breakdown …
Ruma Pulse: The Rent Management App I Built to Track Rental Properties
Chasing tenants for rent every month using messy spreadsheets is a massive drain on time. That is why I built Ruma Pulse, a simple rent management app that automates reminders, tracks payments, and …