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Mixed feelings after 5 cycles. The camaraderie is genuinely the best part, you reconnect with a bunch of guys you'd never otherwise see, and…
After years of trial and error, here's my decision rule. Go to a PRIVATE GP when: it's a simple acute thing (flu, cough, minor infection, MC…
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…
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 …
We had the same tension and honestly I had to let go of a lot of control, which was hard for me as a first-time parent. My realisation was t…
From my experience, under the Employment Act your salary must be paid within seven days of the last day of employment, and an employer gener…
Controversial take, but I gave up my car entirely and switched to a mix of Grab, public transport and occasional car rental for family outin…
Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
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…
I made the jump at 36 from a marketing role into a data analyst position, no CS degree, self-taught SQL and Python over about 14 months whil…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
I took a counter-offer in 2022 and regretted it within 8 months. The extra 1.4k felt good on payday, but the trust was gone on both sides. M…
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…
Just got married, so fresh numbers. The banquet is the monster, hotel per-table costs are high and you're often expected to invite a big gue…
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 consisten…
Regular JB-goer, it's worth it IF you play the timing and logistics right, otherwise the jam eats all your savings in wasted hours. My hard-…
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
My advice: since none lock you in, just try the cheapest heavy-data option first (usually Simba on promo) with an eSIM so switching is insta…
From my experience, the OA to SA transfer is powerful because SA earns 4 percent versus OA 2.5 percent, and compounded over 15 years that ga…
This is a salary issue and there are real protections. Under the Employment Act, salary must be paid within 7 days after the end of the sala…
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…
Grew up eating chicken rice almost daily, my uncle ran a stall. It is all in the details most people don't notice. First the rice, must be c…
Yes, clawback clauses are generally enforceable in SG if clearly worded, this is a standard retention mechanism, not a trick. Read the exact…
Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…