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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 did poly (engineering) then got into local uni, so it's very doable if your GPA is good. The framing 'JC is faster' is true but faster isn…
Did nanny for my first, family help for my second, so I can compare directly. The confinement nanny is expensive but for a first-time mum wi…
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
We took non-mature in Punggol back when it was still ulu and full of construction dust. First two years I complained non-stop, no proper cof…
Been through many reservist IPPTs from a desk-job body, here's the efficient approach for the 3 stations (push-ups, sit-ups, 2.4km run). Giv…
Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…
I held out for years taking Grab and MRT everywhere, then my second kid came and everything changed. Lugging a stroller, a diaper bag and a …
From my experience, as first-timer married couples buying a BTO you should check the CPF Housing Grants that apply to new flats, and if you'…
Been in a stat board for 6 years. Honestly it's a lot more varied than people think, but it depends heavily on which agency and which divisi…
My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…
I've raised a small dog in my HDB flat for years and it's great, but go in prepared. Check the current approved breed list before you fall i…
Been retrenched at 47, came out the other side, so hear me out. First month, do these in order. One, sort the money: confirm your retrenchme…
I took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …
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 …
We went BTO and I'd do it again, but only because we had a place to stay while waiting. We stayed with my in-laws for the build period, whic…
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
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'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …
Stop relying on the meeting to get credit and control the paper trail instead. Concrete moves that worked for me with a credit-stealer: 1) S…
Same wake-up call at 34. What worked for me was small sustainable swaps, not extremes. I switched from kopi to kopi-o kosong or teh-o kosong…
Born and raised here, my go-to cheap weekend list that's actually good, not just "go park" filler: 1) The green corridors and connectors, th…
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 …
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
I deliberately went slow on CPF top-ups in my early 30s and I don't regret it, different philosophy. My reasoning was that in my 30s I value…