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It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…
I took a counteroffer once and regretted it within 8 months. The raise was real but the reason I wanted to leave, a manager who overloaded m…
Lived with in-laws for 3 years waiting for our flat, so I've been in the trenches. What kept the peace: first, your husband must be the one …
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
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…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
We took non-mature in Punggol back when it was still ulu and full of construction dust. First two years I complained non-stop, no proper cof…
We did a hybrid and it was the best of both, so consider that before choosing one extreme. Grandparents give love, one-on-one attention and …
Used both my base credit and the mid-career top-up well, so here's my framework. First, don't pick a course, pick a career goal, then find t…
Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…
5k gross means roughly 4k in hand after CPF, and honestly in Singapore that disappears fast. Let me break down mine when I was at that level…
HDB dog owner here. For a standard flat, only ONE dog is allowed and it must be from HDB's approved list of smaller breeds, think toy poodle…
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…
I took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …
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…
I've raised a small dog in my HDB flat for years and it's great, but go in prepared. Check the current approved breed list before you fall i…
I pushed my elder child into JC because of prestige and honestly regretted it because she struggled and lost confidence. With my younger one…
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…
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…
Helped my parents choose and studied it hard for myself, so here's the plain-English version. All three pay you for life, the difference is …
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …
I used to blurt out my current salary and it capped every offer. Now I frame it around total package. I say something like: 'My current tota…
My go-to reset is a day cycling the whole Coast-to-Coast trail or the Round Island Route stretches, then ending at a hidden coffeeshop for a…