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Still very doable if you know where to look, just avoid the touristy and CBD centres. My go-tos: economy rice with one meat two veg still la…
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…
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 …
My method is to look at the details. A good stall usually specialises in just one or two dishes rather than a huge menu, because focus means…
I've been through PSLE with two kids and the second time was much calmer because I stopped micromanaging. Kids can't focus when a parent is …
HR here. Never give a single number, give a researched range and anchor to market. My script that works: "Based on my research for this role…
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…
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…
Grew up eating chicken rice almost daily, my uncle ran a stall. It is all in the details most people don't notice. First the rice, must be c…
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 …
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
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'…
Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…
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…
Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…
This is a salary issue and there are real protections. Under the Employment Act, salary must be paid within 7 days after the end of the sala…
Ran a noodle stall in a coffeeshop for three years, and let me kill the romance with real numbers first. Rent in a decent coffeeshop can be …
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
I did both and here's the framework that made it click for me. CPF SA top-ups give you a guaranteed ~4% (risk-free) plus tax relief (up to $…
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
Controversial take, but I gave up my car entirely and switched to a mix of Grab, public transport and occasional car rental for family outin…
Yes you can buy out. Under the Employment Act, either party can terminate the contract by paying salary in lieu of notice for the unspent po…
I made the jump at 36 from a marketing role into a data analyst position, no CS degree, self-taught SQL and Python over about 14 months whil…
Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…
After years of trial and error, here's my decision rule. Go to a PRIVATE GP when: it's a simple acute thing (flu, cough, minor infection, MC…