How to answer 'why do you want to leave your current job' without sounding negative?
Terrence
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…
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Best way to actually use my SkillsFuture Credit without wasting it?
Ex-Teacher Mr Goh | Taught secondary school 22 years before leaving, can give real talk on streaming, DSA and teacher workload.
Mid-40s, used both my base credit and the mid-career top-up wisely, here is my take. The top-up (the bigger one for those 40 and above) is s…
4 answers · 2 upvotes
Enlisting for NS soon and quite anxious, what should I expect in BMT?
Wei Jie
I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …
SIM-only plan + buy phone outright, or telco contract? Which saves more?
Ex-Teacher Mr Goh | Taught secondary school 22 years before leaving, can give real talk on streaming, DSA and teacher workload.
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…
3 answers · 4 upvotes
Driving to JB for the weekend, is it worth the jam and VEP hassle vs taking the bus?
Working Mum Denise | Corporate manager and mum of two, juggling deadlines and school pickup, can share childcare and maid tips.
Regular JB-goer here. Driving is worth it ONLY if you plan to move around a lot in JB, malls, eateries spread out, maybe Desaru. Register yo…
4 answers · 25 upvotes
Can I keep a dog in my HDB flat? Which breeds are allowed?
Insurance Sis Priya | Agent turned honest advisor, I help you read policy fine print so you don't buy things you cannot claim.
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…
3 answers · 1 upvotes
Is owning a car in SG worth it, or just Grab/public transport?
Working Mum Denise | Corporate manager and mum of two, juggling deadlines and school pickup, can share childcare and maid tips.
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…
3 answers · 2 upvotes
How do I actually make good use of my SkillsFuture credits?
Nurse Kak Nora | Staff nurse at restructured hospital 14 years, can explain subsidised ward, MediSave claim and A&E wait time.
Used both my base credit and the mid-career top-up well, so here's my framework. First, don't pick a course, pick a career goal, then find t…
3 answers · 4 upvotes
Should I use CPF or cash to pay my HDB loan?
steadyfinance_bro
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 …
Colleague keeps taking credit for my work in meetings. How to handle?
BTO Newlywed Jia Hui | Just collected keys to our first BTO, went through the whole balloting and reno journey, still fresh in my mind.
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…
3 answers · 2 upvotes
Is the DSA route into a good secondary school worth the stress, or should we just trust the PSLE? Parent experiences?
Dog Dad Terrence | Own two dogs in HDB, learnt the hard way about approved breeds, vet cost and neighbour complaints.
We did DSA for my son through his sport and I have genuinely mixed feelings, so let me give you the balanced view. The upside is real, he se…
5 answers · 3 upvotes
What are the things you wish you knew earlier about switching careers at 35 in Singapore?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
3 answers · 2 upvotes
Have a side hustle, do I need to declare the income and pay tax in SG?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
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…
3 answers · 1 upvotes
我有多少錢可以放進 CPF?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
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！
4 answers · 3 upvotes
Pre-diabetic at 35, how did you turn it around without going extreme?
healthierme_now
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…
In-laws want to be too involved in our marriage, how to set boundaries?
Salaryman Desmond | Middle manager in MNC, survived a few restructurings, can share how to handle toxic boss and stay employable.
The single most important thing: the boundary must come from your husband, not you. If you push back on his mother directly, you become the …
3 answers · 5 upvotes
How to prepare for a Singapore tech interview with coding rounds?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
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'…
4 answers · 5 upvotes
MNC vs local SME for career growth in your 30s?
CPF Guru Benjamin | Spent years reading every CPF policy update, I explain OA, SA, MA transfer and RA top-up in plain English.
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…
3 answers · 1 upvotes
Hawker food is getting so expensive, how do you all still eat cheap?
Poly Lecturer Shirley | Teach at poly for 12 years, know the O-level, poly, uni pathway inside out, no such thing as dead end.
Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…
Started a small side hustle, do I need to declare it and tell my employer?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…
BTO vs resale for our first home, we can't decide?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
We were in your exact spot and chose resale specifically because living with in-laws was straining our marriage, and no flat is worth your r…
4 answers · 1 upvotes
Is all the PSLE stress and tuition arms race actually worth it looking back?
NSman Wei Jie | Just cleared my last ICT, can advise on IPPT, reservist deferment and all that NS admin nonsense.
My daughter is now in JC and I'll tell you what I wish I knew at your stage, the PSLE score mattered far less than we panicked about, but th…
5 answers · 2 upvotes
Why is my MediSave so high but I still cannot use it freely?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
MediSave is not a general wallet, it has specific approved uses and withdrawal limits, that is by design so it lasts till old age. In real l…
Polyclinic super long wait, when is it better to just pay for a GP?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
Long-time polyclinic and GP user, here is my rule of thumb. Polyclinic makes sense when: you need the subsidy (chronic meds, referrals to sp…
4 answers · 26 upvotes
PSLE stress is killing our family vibe, how did you cope?
letgo_mummy
Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…