For Indians in Malaysia, as minorities and as a community with a significant share in the economically-challenged portion of the society, the choice facing our households and individuals is often between working hard for what we want OR fighting hard for what we want.

My personal experience point...

17 or 18 years of age is a crucial time in life for young people today. Think of it, until that point, almost everyone is DEBT FREE because frankly speaking, we spend very little for our education up to Form 5 or Form 6. Even those who are graduating from private and international schools have no de...