Dog Dad Terrence Knowledge Chief
Own two dogs in HDB, learnt the hard way about approved breeds, vet cost and neighbour complaints.
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Friend showing signs of depression, how do I actually help without making it worse?
Helped a friend through this, and the biggest thing I learned: you don't need to fix it, you need to stay. What worked: 1) show up…
Is the DSA route into a good secondary school worth the stress, or should we just trust the PSLE? Parent experiences?
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 r…
Why is it that hawker food keeps getting more expensive lah?
Few big factors stacking up. One, ingredient inflation, global food prices rose and Singapore imports almost everything. Two, GST …
How does CPF LIFE actually work when you turn 65, and did picking the plan matter? Real payout experiences wanted.
I helped my mum through this last year so let me break down the real mechanics. At 65 the money in your Retirement Account is used…
What's it like working in the civil service in Singapore?
I'm 3 years in as an exec. Real talk, the money is fine but not the reason to stay. What I appreciate is the leave, the medical be…
With COE so high, is owning a car even worth it for a young family?
Bought a car when my second was born and don't regret it despite the cost, but I'll be honest it delayed our other financial goals…
How to negotiate resale flat price now that COV is back?
We just paid the COV in the end lah, high floor corner unit in a popular estate don't come often. Sometimes the flat is worth it a…
What's it like claiming MediSave for a delivery and hospital stay?
Our experience was mixed, so a heads up. We chose a private hospital because of a preferred gynae, and MediSave plus MediShield co…
How do I ask for a raise after 2 years of no real increment?
Harsh truth, in many SG companies the biggest jumps come from switching, not staying, internal raises are capped by budget bands w…
How to tell a genuinely good hawker stall from a hyped/tourist trap?
Go at an off-peak hour and see if there's still a queue, that's my single best filter. A peak-lunch queue means almost nothing bec…
How do you mentally and physically prepare for BMT when you're not the sporty type?
Start with your feet and your basics, seriously. The thing that wrecked more people than fitness was blisters and not being used t…
我有多少錢可以放進 CPF?
我每月的CPF 投資金額是 SGD 1,200。
What's it like owning a dog in an HDB flat?
Honest reality from an HDB dog owner. The joy is immense but don't underestimate the commitment in a flat setting. The approved-br…
Infant care centre vs grandparents for childcare, what did you choose?
My only regret with full grandparent care was the boundary issues, they raised our kid their way and undoing some habits later was…
CPF LIFE Standard vs Escalating plan, which payout option better for retirement at 65?
Escalating for me, because the scariest risk in retirement is not dying early, it's living long with money that's lost half its va…
What are the hard truths of running a hawker stall that nobody tells you before you start?
The romantic ones underestimate consistency. Your char kway teow must taste identical on day 1 and day 500 or the uncles and aunti…