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Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
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…
Ran this spreadsheet in detail before deciding to stay car-lite. The brutal reality: owning a car in SG easily runs $1,500-2,500+ a month al…
Here's how it actually works based on my own experience as a 30-something NSman. Each work year you get an IPPT window. If you don't pass IP…
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…
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…
After years of trial and error at my Ghim Moh and Old Airport Road runs, the sweet spots are around 11am to 11.20am for lunch, and 5.30pm fo…
Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …
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…
From my experience, what you're describing sounds a lot like burnout, and losing interest in things you used to enjoy is a real warning sign…
We kept things mostly separate for the first few years and it worked fine because we both earned similar and had no kids. But the moment we …
New-ish parent, here's the practical checklist. Baby Bonus has two parts, the Cash Gift paid out in instalments, and the Child Development A…
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…
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…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
Took a landlord to the Small Claims Tribunal over exactly this and won my deposit back, so real experience. It's designed to be accessible w…
Just got married, so fresh numbers. The banquet is the monster, hotel per-table costs are high and you're often expected to invite a big gue…
From my experience, the golden rule is to face forward, not backward. Never badmouth your boss or company even if it's justified, because in…
根據CPF 的規則，20% 的基數為每月 SGD 6,000 x 0.2 = SGD 1,200。然而，CPF 的最大投資金額是每月 SGD 660。所以，你每月可以投資的最多 CPF 金額是 SGD 660。最佳答案！
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 …
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
We did grandparents for the first year then infant/childcare after, and I'd recommend that combo if your parents are willing and able. Reaso…
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'…
Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…
Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…