Got no bonus this year but company says 'good performance', normal?
Melvin
I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…
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How to tell a genuinely good hawker stall from a hyped/tourist trap?
SAF Officer Regina | Served as officer and now in corporate, can advise how to leverage NS leadership on your civilian resume.
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
4 answers · 1 upvotes
Polyclinic vs private GP, when is each actually better?
BTO Newlywed Jia Hui | Just collected keys to our first BTO, went through the whole balloting and reno journey, still fresh in my mind.
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…
4 answers · 5 upvotes
What's it like interviewing at a local bank in Singapore?
Hawker Ah Boy | Third generation running our chicken rice stall, ask me about rental, ingredient cost and why food price go up.
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
4 answers · 2 upvotes
Retrenched at 45, feeling stuck. What did you do?
Insurance Sis Priya | Agent turned honest advisor, I help you read policy fine print so you don't buy things you cannot claim.
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
4 answers · 5 upvotes
Which dog breeds are actually allowed in an HDB flat? Confused by the rules
Divorce Survivor Karen | Went through divorce and shared custody, can share the real cost, HDB matters and emotional side, no sugarcoat.
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…
4 answers · 4 upvotes
Is a big hotel wedding banquet worth it or should we do something smaller?
CPF Guru Benjamin | Spent years reading every CPF policy update, I explain OA, SA, MA transfer and RA top-up in plain English.
Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…
Is owning a car in SG worth it, or just Grab/public transport?
Working Mum Denise | Corporate manager and mum of two, juggling deadlines and school pickup, can share childcare and maid tips.
Ran this spreadsheet in detail before deciding to stay car-lite. The brutal reality: owning a car in SG easily runs $1,500-2,500+ a month al…
3 answers · 2 upvotes
Is chasing DSA for secondary school worth stressing my P6 kid over?
Divorce Survivor Karen | Went through divorce and shared custody, can share the real cost, HDB matters and emotional side, no sugarcoat.
Parent of two who've been through this. DSA is genuinely worth it IF your child has a real, demonstrable strength they enjoy, a sport at nat…
3 answers · 4 upvotes
Toxic boss but good pay and role, do I stay or leave?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
Stayed too long under a toxic boss once, and it cost me more than the good pay was worth, so hear me out. First, separate the fixable from t…
3 answers · 2 upvotes
Started a small home-based F&B side hustle, when did you know to register a business?
sidehustle_steady
For me the trigger to register was when I wanted to sell on proper platforms and needed a business entity, and when the money became enough …
Is an Integrated Shield Plan rider worth it or am I overpaying?
Auntie Susan Church | Active in my CC and church, know a lot about grants, senior activities and where to get help when stuck.
Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…
4 answers · 4 upvotes
Why is it that my pay never seems enough even at 5k a month in Singapore?
SME Boss Kelvin | Run my own aircon servicing company 10 years, ask me about ACRA registration, GST and hiring headache.
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…
4 answers · 4 upvotes
Chronic work stress, can't switch off at night. Anyone found something that works?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
Please don't brush this off as being dramatic, months of 4 to 5 hours sleep with racing thoughts is your body waving a red flag. Been exactl…
Started a small side hustle, do I need to declare it and tell my employer?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
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…
My manager keeps presenting my work as his own to senior management. What do I do?
Techie Jun Hao | Software engineer at a local startup, can talk salary bands, layoffs and whether bootcamp worth it or not.
Been there, and open war loses every time. What worked: I stopped waiting for my boss to credit me and built my own quiet visibility. I star…
3 answers · 15 upvotes
Enlisting for NS soon and quite anxious, what should I expect in BMT?
Wei Jie
I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …
What do you all think about going to the Small Claims Tribunal for a rental deposit dispute?
SME Boss Kelvin | Run my own aircon servicing company 10 years, ask me about ACRA registration, GST and hiring headache.
Took a landlord to the Small Claims Tribunal over exactly this and won my deposit back, so real experience. It's designed to be accessible w…
Why is my MediSave so high but I still cannot use it freely?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
MediSave is not a general wallet, it has specific approved uses and withdrawal limits, that is by design so it lasts till old age. In real l…
SIM-only plan + buy phone outright, or telco contract? Which saves more?
Ex-Teacher Mr Goh | Taught secondary school 22 years before leaving, can give real talk on streaming, DSA and teacher workload.
Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…
3 answers · 4 upvotes
Neighbour's renovation and noise driving us mad, what are our actual options?
peaceful_neighbour
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
Keep failing IPPT during reservist, will I really kena RT the whole time?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
Cleared IPPT after years of failing, so I feel your pain. Real talk: the RT (RT/FCC) is honestly not as scary as the dread. It is a fixed nu…
4 answers · 3 upvotes
Burnt out at work and cannot cope, what actually helped you recover?
Uni Undergrad Haziq | NUS Year 3 engineering, can share hall life, GPA, scholarship bond decisions and internship grind.
I hit real burnout two years ago, the dread-every-morning kind. What genuinely helped, in order: 1) I saw a GP first, they can assess if it'…
BTO vs resale for a couple who wants to move in fast?
Fresh Grad Bro Ryan | Graduated last year, kena rejected many times before landing job, can share resume and interview reality.
We went resale precisely because we didn't want to rent and burn money for 4 years. Do the math properly: renting a decent flat is easily 2.…
4 answers · 5 upvotes
Is AWS (13th month bonus) guaranteed in Singapore or can company skip it?
Confinement Nanny Auntie Poh | Confinement nanny 18 years, helped many new mums with breastfeeding, baby sleep and confinement food.
Worked in HR/payroll, so let me clear this up. AWS (Annual Wage Supplement, the 13th month) is NOT required by law in Singapore, MOM encoura…
3 answers · 1 upvotes