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Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…
First car surprised me with the recurring stuff, not the upfront. Things people underestimate: 1) parking, a season pass at home (HDB/condo)…
Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…
The trap I fell into with my first, comparing my child to the neighbour's kid and the cousins. I pushed too hard, our home became a pressure…
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…
Passed a few of these while holding a full-time job, so here is the realistic plan. Coding round: yes it is usually leetcode-style. You don'…
I'm in analytics hiring. We look at whether you can tell a story with data, not your age. Bring one real project to the interview and you'll…
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'…
I'm a hawker, let me explain from the cost side. Everything I buy has gone up, chicken, rice, oil, vegetables, gas, packaging. When my ingre…
We survived the grind by being ruthless about protecting one non-negotiable slot a week, for us it was Sunday brunch and a walk, phones in t…
Recruiter here, and I'm sorry because ghosting is inexcusable but common. What usually happens behind the scenes: a hiring freeze lands, hea…
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…
Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…
I interview candidates regularly, so here's what I actually think when I ask this. I'm not expecting a fairy tale, I know most people leave …
The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …
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…
I bought a car right after my first kid was born and honestly for a young family it changed our lives, but let me be clear about the real co…
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…
Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
From my experience, the fix is documentation and quiet visibility, not confrontation. Start putting your ideas in writing before meetings: a…
We ran the numbers and chose NOT to prepay, and three years on it was the right call. The HDB loan is 2.6% but our CPF OA earns 2.5% risk-fr…
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
Two kids here, maxed the CDA both times, zero regrets. Why it's worth it: the government dollar-for-dollar matches what you deposit up to a …