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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…
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…
Wish someone told me the mental game upfront. Physically BMT is designed for the average guy to pass, so unless you're very unfit you'll cop…
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…
The unspoken rule: your ang bao should roughly cover your seat's cost (so the couple doesn't 'lose money' on you), scaled by venue and your …
I did the math on my own career and hopping won, but with a big caveat. Over 8 years I switched three times and went from 4.2k to 11k a mont…
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…
I'm an ex-recruiter, here's the insider truth. We ask early to screen out people out of budget, so refusing to answer entirely can get you d…
Relax, this happens to loads of NSmen and it's very manageable. What typically happens if you don't pass IPPT within your window: you'll be …
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
I accepted a counter-offer once and regretted it within 6 months. Here's why: the reasons I wanted to leave (bad manager, no growth) didn't …
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…
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…
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…
Document, document, document. I kept a timestamped log and short videos for two months. When it went to mediation, having concrete evidence …
Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during which you …
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
The key concept most people miss is accrued interest. Whatever OA money you use for housing, you must eventually 'repay' to your own CPF wit…
Been contributing to SRS for years, here's the honest calculus. SRS is worth it in proportion to your marginal tax rate. If you're in a high…
I enlisted at 78kg overweight, went into the Physical Training Phase (PTP) first for the extra two months before BMT proper. Honestly that P…
I held out for years taking Grab and MRT everywhere, then my second kid came and everything changed. Lugging a stroller, a diaper bag and a …
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
I hopped at 11 months once and nobody blinked. The trick is you don't make it a pattern. One short stint on your CV is fine, two or three ba…
I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…