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Salary & Bonus

How does the bonus system work in Singapore?

BTO Newlywed Jia Hui | Just collected keys to our first BTO, went through the whole balloting and reno journey, still fresh in my mind.

In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …

4 answers · 3 upvotes
Health

Can I use my Medisave to pay my dad's hospital bill?

Bank Teller Sis Amanda | Front line at a local bank, can explain home loan, refinancing and why your credit card interest so high.

Yes, you can use your Medisave for immediate family, spouse, parents, children, grandparents, siblings. I did exactly this when my mum was h…

4 answers · 3 upvotes
Pets

What's it like owning a dog in an HDB flat?

Career Switcher Priscilla | Switched from marketing to UX at 35 using SkillsFuture, can share how to pivot without going broke.

Let me give the cautionary but fair view. Owning a dog in an HDB is absolutely doable, many do it happily, but it's not for everyone and imp…

3 answers · 4 upvotes
HDB, Condo & Rent

What's it like servicing a 25-year HDB loan?

Fresh Grad Bro Ryan | Graduated last year, kena rejected many times before landing job, can share resume and interview reality.

Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…

4 answers · 16 upvotes
Pets

Vet bills in SG so expensive, is pet insurance worth it?

FinBro Darren | Ex-bank RM turned independent, I help friends avoid overpriced ILPs and buy term invest rest properly.

Been an owner 8 years, two dogs. My honest math: insurance is worth it IF you'd struggle to fork out a sudden 3-5k for surgery, and it's mos…

3 answers · 3 upvotes
Travel & Local

Is a JB day trip actually worth the hassle now?

Preschool Teacher Ling | Preschool teacher and mum of one, can guide you on childcare subsidy, MOE kindergarten ballot and school readiness.

Regular JB-goer here, worth it IF you play the timing game, brutal if you don't. My rules: go on a weekday if you can, never Saturday mornin…

4 answers · 23 upvotes
Money & CPF

How much emergency fund is enough in Singapore?

Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.

Sole breadwinner here too, so I hold more than the textbook 3 to 6 months, I keep 9 to 12 months of expenses because if I lose income the wh…

4 answers · 3 upvotes
Career & Work

MNC vs local SME for career growth in your 30s?

CPF Guru Benjamin | Spent years reading every CPF policy update, I explain OA, SA, MA transfer and RA top-up in plain English.

I've done both. MNC gives you a brand name that opens doors forever, plus proper processes you can learn and carry anywhere. SME gives you r…

3 answers · 1 upvotes