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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…
Went through this with my mum's knee replacement and the subsidised restructured hospital route was absolutely worth it for us, with realist…
From my experience, 38 is not too late, and your sales background is actually an asset in tech, think roles like sales engineering, customer…
New-ish parent, here's the practical checklist. Baby Bonus has two parts, the Cash Gift paid out in instalments, and the Child Development A…
Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
Been through many reservist IPPTs from a desk-job body, here's the efficient approach for the 3 stations (push-ups, sit-ups, 2.4km run). Giv…
I'm in analytics hiring. We look at whether you can tell a story with data, not your age. Bring one real project to the interview and you'll…
Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…
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…
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 …
HDB dog owner here. The rules: one dog per HDB flat, and it must be an HDB-approved breed (there's an official list of small breeds like Shi…
Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…
Not overreacting, 3 hours daily commute is 15 hours a week, basically two extra unpaid workdays of your life. That's a legitimate quality-of…
Switched all four of us to SIM-only MVNO plans over a year ago, saving is real, cut our bill by more than half. Network quality wise, most M…
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
Dealt with this for my spouse's major hospitalisation. Practical reality, the system is well integrated, the hospital computes subsidy plus …
Recruiter here, and I'm sorry because ghosting is inexcusable but common. What usually happens behind the scenes: a hiring freeze lands, hea…
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…
We went resale in a mature estate (Bishan) in 2024 and I don't regret it, even though we paid COV of about 30k on top. The math: BTO would h…
I moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…
I tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…
The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …
Let me give the cautionary but fair view. Owning a dog in an HDB is absolutely doable, many do it happily, but it's not for everyone and imp…
Wish someone told me the mental game upfront. Physically BMT is designed for the average guy to pass, so unless you're very unfit you'll cop…
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…