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I ran the numbers properly for my own family. A typical new Cat A car all-in (COE 100k, car price, road tax, insurance, parking, petrol, mai…
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 …
I fought mine through the Small Claims Tribunal and got most of it back, so yes it's winnable, but preparation is everything. My landlord tr…
Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…
I stayed an extra 8 months for a 4-month bonus once and I regret it, because I did the actual maths wrong. Yes the bonus was real money, but…
Ran an online store on the side for three years while employed, and the pitfalls are mostly boring admin things people ignore until they bit…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
20% is completely normal for a job hop in Singapore, in fact in hot fields like tech and finance people get 25 to 40% when they move. Compan…
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
Been through many reservist IPPTs from a desk-job body, here's the efficient approach for the 3 stations (push-ups, sit-ups, 2.4km run). Giv…
Did this exact math last year and switched to SIM-only, saving roughly $40/month. Here's how to work it out properly. The "free" phone on a …
HDB dog owner here. For a standard flat, only ONE dog is allowed and it must be from HDB's approved list of smaller breeds, think toy poodle…
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
First car surprised me with the recurring stuff, not the upfront. Things people underestimate: 1) parking, a season pass at home (HDB/condo)…
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…
ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…
5k gross means roughly 4k in hand after CPF, and honestly in Singapore that disappears fast. Let me break down mine when I was at that level…
Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…
We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
I switched at 40 from supply chain into a BI analyst role via a CCP. Ya lah, the first year salary dropped maybe 15 percent and my ego also …
Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
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…
Took a landlord to the Small Claims Tribunal over exactly this and won my deposit back, so real experience. It's designed to be accessible w…
The clean way to think about it: OA earns 2.5% guaranteed. Your HDB loan charges 2.6% (0.1% above OA rate). So paying the loan with OA "save…