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Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…
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 …
HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…
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…
Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…
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…
The OA-to-SA transfer is genuinely powerful because of compounding, but the word "irreversible" is doing a lot of work in your question. Rul…
Sole breadwinner here too, so I hold more than the textbook 3 to 6 months, I keep 9 to 12 months of expenses because if I lose income the wh…
Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…
The core trade-off: Standard Plan gives you a higher, level monthly payout that stays the same for life, while Escalating Plan starts you of…
Two kids here, maxed the CDA both times, zero regrets. Why it's worth it: the government dollar-for-dollar matches what you deposit up to a …
My go-to reset is a day cycling the whole Coast-to-Coast trail or the Round Island Route stretches, then ending at a hidden coffeeshop for a…
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…
From my experience, 38 is not too late, and your sales background is actually an asset in tech, think roles like sales engineering, customer…
Went through this exact debate. We chose grandparents for the first year then infant care after, and honestly a hybrid worked best for us. W…
I ran a noodle stall at a coffeeshop for three years before calling it quits, and the number one thing nobody tells you is the hours will de…
Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…
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…
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
Parent of two who went through PSLE, tuition is a tool, not a requirement. Diagnose before you spend. Look at his actual weak spots from sch…
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…
I use a hybrid. I let CPF OA pay the bulk of the monthly instalment so my cash flow stays healthy for emergencies and my kids' stuff, but I …
Worked in HR/payroll, so let me clear this up. AWS (Annual Wage Supplement, the 13th month) is NOT required by law in Singapore, MOM encoura…
I'll be the cautionary voice. We applied pre-marriage, got the flat, then hit a rough patch and seriously considered breaking up while alrea…
We went resale precisely because we didn't want to rent and burn money for 4 years. Do the math properly: renting a decent flat is easily 2.…