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I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …
Switched to an MVNO two years ago and never looked back. The digital-only telcos like the ones riding on the big networks give you 100GB-plu…
Did this exact math last year and switched to SIM-only, saving roughly $40/month. Here's how to work it out properly. The "free" phone on a …
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 ran a stall for two years and closed it, so here's the cautionary tale. My food was good, people liked it, but I couldn't make the numbers…
HDB only allows ONE dog per flat and it must be an approved breed/small type, plus you must license it with the authority (used to be AVA, n…
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…
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…
I tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
Regular JB-goer here, worth it IF you play the timing game, brutal if you don't. My rules: go on a weekday if you can, never Saturday mornin…
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 …
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！
Classic. Stop relying on the meeting to show your value, build a paper trail instead. Send project updates over email with senior people cc-…
Don't panic and definitely don't send a desperate 'I'll take less' email immediately, that screams insecurity and weakens you before they ev…
When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…
ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…
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…
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…
We survived the grind by being ruthless about protecting one non-negotiable slot a week, for us it was Sunday brunch and a walk, phones in t…
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 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, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…
Recruiter here, and I'm sorry because ghosting is inexcusable but common. What usually happens behind the scenes: a hiring freeze lands, hea…
We held off buying because of COE and instead use a mix of public transport, Grab and car-sharing, and it works for us. With two kids I unde…