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In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …
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…
I turned down a counter-offer and I'm glad I did. The classic pattern is: they match your salary now because replacing you is expensive and …
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
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…
From my experience, timing is everything for a JB drive. Weekends are the worst, so if you must go on a weekend, cross super early, like bef…
The key concept most people miss is accrued interest. Whatever OA money you use for housing, you must eventually 'repay' to your own CPF wit…
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
HDB only allows ONE dog per flat and it must be an approved breed/small type, plus you must license it with the authority (used to be AVA, n…
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…
Mid-40s, used both my base credit and the mid-career top-up wisely, here is my take. The top-up (the bigger one for those 40 and above) is s…
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 …
You generally cannot sell on the open market before MOP, full stop, that's the rule and there's no "penalty payment" workaround to sell earl…
I hit that exact wall two years ago, and the turning point was actually going to a GP and being honest, which got me a referral and a short …
Still very doable if you know where to look, just avoid the touristy and CBD centres. My go-tos: economy rice with one meat two veg still la…
HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…
Negotiated up about 12 percent at a local SME last year. The trick with SMEs is they're less rigid but also more personal, so frame it right…
Regular JB-goer here. My timing rule: go super early, like leave home before dawn on a weekend, cross before the crowd wakes up, and come ba…
The single most important thing: the boundary must come from your husband, not you. If you push back on his mother directly, you become the …
Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
Been there, corporate pressure cooker, dreading Mondays, running on empty. Here's what pulled me out. Step one was medical, I saw a GP becau…
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