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This is a salary issue and there are real protections. Under the Employment Act, salary must be paid within 7 days after the end of the sala…
Parent of two who went through PSLE, tuition is a tool, not a requirement. Diagnose before you spend. Look at his actual weak spots from sch…
Switched to an MVNO two years ago and never looked back. The digital-only telcos like the ones riding on the big networks give you 100GB-plu…
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…
Worked in HR/payroll, so let me clear this up. AWS (Annual Wage Supplement, the 13th month) is NOT required by law in Singapore, MOM encoura…
From my experience, the OA to SA transfer is powerful because SA earns 4 percent versus OA 2.5 percent, and compounded over 15 years that ga…
Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…
After getting retrenched and taking 5 months to find work, I now keep 9-12 months, not the textbook 3-6. Here's my reasoning and setup. In S…
The OA-to-SA transfer is genuinely powerful because of compounding, but the word "irreversible" is doing a lot of work in your question. Rul…
Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
Not overreacting, 3 hours daily commute is 15 hours a week, basically two extra unpaid workdays of your life. That's a legitimate quality-of…
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
I took a counteroffer once and regretted it within 8 months. The raise was real but the reason I wanted to leave, a manager who overloaded m…
Please don't brush this off as being dramatic, months of 4 to 5 hours sleep with racing thoughts is your body waving a red flag. Been exactl…
The "accrued interest" thing scares people unnecessarily, let me demystify it. When you use CPF OA to pay for your flat, you must return tha…
Parent of two who've been through this. DSA is genuinely worth it IF your child has a real, demonstrable strength they enjoy, a sport at nat…
Let me give the less rosy take. The savings are real on paper, but I stopped doing it regularly because the jam and the whole day it consume…
Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…
When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
I ran a noodle stall at a coffeeshop for three years before calling it quits, and the number one thing nobody tells you is the hours will de…
Ran a noodle stall for three years, let me be brutally honest. The romance dies fast. You wake at 4am for prep, stand 12 hours in heat, and …
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
Just got married, so fresh numbers. The banquet is the monster, hotel per-table costs are high and you're often expected to invite a big gue…