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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 …
HDB dog owner here. For a standard flat, only ONE dog is allowed and it must be from HDB's approved list of smaller breeds, think toy poodle…
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…
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 went through this and what saved us was honesty early rather than letting assumptions build. My wife spoke to her parents directly and lo…
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…
Realistic range now is 10-20% for a lateral move, more if you're also stepping up in title or moving into a hotter function. I moved last ye…
I interview candidates regularly, so here's what I actually think when I ask this. I'm not expecting a fairy tale, I know most people leave …
In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …
We went resale in Bishan in 2023 because we simply could not wait 4 years, and I don't regret it, but the cash was brutal. The valuation was…
After getting retrenched and taking 5 months to find work, I now keep 9-12 months, not the textbook 3-6. Here's my reasoning and setup. In S…
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
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…
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 …
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, boundaries here are set through consistent behaviour more than one dramatic conversation. Start by not replying instantl…
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
Went poly (design-related) after O levels despite parents pushing JC, now working in the field and happy. Here is the honest breakdown. JC i…
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
5k gross means roughly 4k in hand after CPF, and honestly in Singapore that disappears fast. Let me break down mine when I was at that level…
Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…
Helped my parents choose and studied it hard for myself, so here's the plain-English version. All three pay you for life, the difference is …
Been an owner 8 years, two dogs. My honest math: insurance is worth it IF you'd struggle to fork out a sudden 3-5k for surgery, and it's mos…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …