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In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …
Classic. Stop relying on the meeting to show your value, build a paper trail instead. Send project updates over email with senior people cc-…
With 192 (AL) you are in a solid band lah, but branded schools like the top IP ones usually need low single digit totals. Honestly for that …
Cleared RT twice, no drama, here's the deal. Failing IPPT means you're placed on the Remedial Training programme, you complete a set number …
We did a hybrid and it was the best of both, so consider that before choosing one extreme. Grandparents give love, one-on-one attention and …
Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
I took over a stall at 29 and I'll give you the completely unfiltered version. The romance dies on week one when you realise the day starts …
Yes, clawback clauses are generally enforceable in SG if clearly worded, this is a standard retention mechanism, not a trick. Read the exact…
I used to upgrade yearly and it was pure marketing-driven money burning, the year-on-year jumps are tiny now, mostly a slightly better camer…
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…
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…
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…
We went resale in Bishan two years back, paid about 680k for a 4-room and yes it hurt compared to a BTO. But we moved in within 3 months, no…
Did the shielding for my mother two years ago, so I know the mechanics. The idea: just before 55, you invest most of your SA money into a sh…
We kept ours sane by separating what we wanted from what tradition demanded, then compromising. My parents wanted the big dinner for relativ…
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…
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
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…
Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…
I do the JB run roughly twice a month and I've tracked it properly for a year, so here's the honest math. Groceries and household stuff genu…
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…
My daughter is now in JC and I'll tell you what I wish I knew at your stage, the PSLE score mattered far less than we panicked about, but th…
I'll be honest, I let mine sit for years thinking it was too small to matter, then finally used it and regretted waiting. I did a part-time …
Best money we spent, and I was the skeptic. After a C-section I physically could not do night feeds, cook, and recover at the same time. Our…