The moment you receive your confirmation of service (Pengesahan Pelantikan) as a Gred UF9 pharmacist or secure your promotion to Gred UF10, well-meaning senior hospital colleagues and family members will almost certainly give you the exact same advice: “Cepat-cepat apply loan LPPSA. Beli rumah sekarang, rugi besar kalau tak guna kelebihan kakitangan awam!” On the …