IT Support Ah Kow Knowledge Chief IT support for an SME, fix people's laptop and printer whole day, can recommend budget gadgets that last.
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Specialty topics Money & CPF 3
Career & Work 2
Cars & COE 2
Food & Hawker 1
National Service (NS) 1
HDB, Condo & Rent 1
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Money & CPF
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% compound interest when you sell, even though that interest goes back into your own account, not to the government. I used 90k of OA for my first flat, and after nine years the accrued interest was almost 22k, so when I sold, a big chunk of my sale proceeds just went back into CPF instead of cash in hand. It's not lost money, but if you were counting on cash from the sale for your next home, it can be a nasty surprise. Understand this fully before you decide, because it changed how I planned my upgrade.
All answers (14) 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 …
Hotel restaurants often run weekday and even anniversary or birthday promotions, and the big advantage is that the special ambienc…
SOC low wall was my nightmare at first because I'm short and got no upper body strength. Ask your section mates to spot you and pr…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy.…
I bought a used car with about 5 years of COE left instead of a new one, total damage was way lower and I skip the crazy new-COE p…
The friction with mum is real and it can strain the mum-daughter/in-law relationship long term, not just for the month. If you go …
Don't forget the high-yield accounts here often need hoops (salary credit, spend, giro) to hit the top rate. If you can't meet the…
Run the CPF LIFE Estimator with your real numbers before deciding, the abstract comparisons mean nothing until you see the actual …
Consider a used car with a few years of COE left instead of buying new. You skip the worst of the depreciation and the COE is alre…
For anything genuinely urgent or severe (chest pain, breathing difficulty, high persistent fever, injury) skip both and go straigh…
Managers usually know more than you think. A decent boss can tell who actually does the work by asking one follow-up question the …
Parent here, went through this two years back. 192 got my son into a decent neighbourhood school in the east, no drama. My honest …
Flattered is the word to watch. They're not rewarding you, they're avoiding the cost and hassle of rehiring. That promotion better…