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I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
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…
Went through almost the same thing. First, keep everything in writing, WhatsApp and email are fine as evidence. Send a firm but polite writt…
I ran a small home-based baking business alongside my 9-to-6 for two years, and the hard lessons weren't what I expected. First, check your …
From my experience, under the Employment Act your salary must be paid within seven days of the last day of employment, and an employer gener…
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…
Switched from ops to data analytics at 34, so real talk. SkillsFuture Credit alone won't get you hired, a 40-hour cert is a signal not a pas…
Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility: the SCT h…
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…
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…
Been exactly where you are, the Sunday night chest tightness, so first, that is real and you are not weak, that is your body waving a red fl…
For me the trigger to register was when I wanted to sell on proper platforms and needed a business entity, and when the money became enough …
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
Neighbour noise is horrible, been there. The realistic ladder: 1) keep a noise log (dates, times, type of noise) and record audio/video with…
In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …
Consider the renting-while-waiting math seriously because it can eat the BTO savings. We didn't want to stay with parents so we rented a roo…
My take might differ, I found it liberating rather than isolating, but I'm quite thick-skinned about what others think. Yes, aunties gave me…
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…
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…
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…
I split my emergency fund into two buckets. The first two to three months of expenses sit in a high-yield savings account for instant access…
Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
For ~150 for two and 'feels special', my move is lunch sets at higher-end places, same kitchen, half the dinner price. Many atas restaurants…
Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…
From my experience, the OA to SA transfer is powerful because SA earns 4 percent versus OA 2.5 percent, and compounded over 15 years that ga…