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I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …

Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during which you …

Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…

Did exactly this at 33, left MOM after 7 years for a fintech startup at Mapletree Business City. First thing that hit me: no more clear repo…

The clean way to think about it: OA earns 2.5% guaranteed. Your HDB loan charges 2.6% (0.1% above OA rate). So paying the loan with OA "save…

First, yes, check the HDB approved breed list and get the licence sorted, that part's straightforward. The real challenges nobody warns you …

You generally cannot sell on the open market before MOP, full stop, that's the rule and there's no "penalty payment" workaround to sell earl…

Married 6 years, my husband was the spender. What saved us was the "three pots" system. Joint account for shared stuff (rent, utilities, gro…

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…

I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …

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…

In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …

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…

We kept things mostly separate for the first few years and it worked fine because we both earned similar and had no kids. But the moment we …

HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make the…

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…

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…

Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…

Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…

We ran the numbers and chose NOT to prepay, and three years on it was the right call. The HDB loan is 2.6% but our CPF OA earns 2.5% risk-fr…

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…

I do the JB run roughly twice a month and I've tracked it properly for a year, so here's the honest math. Groceries and household stuff genu…

Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…

Stayed too long under a toxic boss once, and it cost me more than the good pay was worth, so hear me out. First, separate the fixable from t…

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…