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I took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …
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…
Negotiated up about 12 percent at a local SME last year. The trick with SMEs is they're less rigid but also more personal, so frame it right…
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…
First-time dad, went through it recently, so fresh memory. Practical tips that helped us. One, both parents' MediSave can be used for the de…
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 …
My take might differ, I found it liberating rather than isolating, but I'm quite thick-skinned about what others think. Yes, aunties gave me…
Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…
The single most important thing: the boundary must come from your husband, not you. If you push back on his mother directly, you become the …
I tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…
I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…
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…
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…
Retrenched at 47, bounced back in five months, so it's possible but the game is different at our age. What actually moved the needle: networ…
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…
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
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…
I turned down a counter-offer and I'm glad I did. The classic pattern is: they match your salary now because replacing you is expensive and …
We went through this and what saved us was honesty early rather than letting assumptions build. My wife spoke to her parents directly and lo…
I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
ORD-ed a while back, BMT feels huge before but it's very survivable. Physical prep matters most, start NOW: 1) build running base, aim to jo…
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'…
The trick is most of these are auto-assessed, you don't apply blindly for each. Practical approach: 1) log in to the Supportgowhere / govben…