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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…
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, …
Enlisted at 24 after my degree, same worry as you. Honest truth: the age gap becomes a non-issue after week one. The younger guys actually l…
Cai png is a trap because 'three veg one meat' quietly became 5-6 bucks. What actually cut my spend without misery: 1) cook rice in bulk (ri…
I've learned to split my bonus with a simple system: a chunk to debt or mortgage if any, a chunk to long-term investing, a chunk to savings,…
Relax, this happens to loads of NSmen and it's very manageable. What typically happens if you don't pass IPPT within your window: you'll be …
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
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 went resale in Bishan in 2023 because we simply could not wait 4 years, and I don't regret it, but the cash was brutal. The valuation was…
Sold ours right after MOP and it worked out, but the paper gain is more of a mirage than people admit. Yes, you sell high, but you also BUY …
I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…
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…
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I held out for years taking Grab and MRT everywhere, then my second kid came and everything changed. Lugging a stroller, a diaper bag and a …
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…
Not unreasonable at all, 3 hours of daily commute is 15 hours a week of unpaid life, that's a real pay cut in time. But don't quit on emotio…
Bought a resale last year, went through the COV drama. Few things that actually work: one, get your own valuation done first via HDB after y…
Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…
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…
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
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…
Cut through the guru noise, here's what actually paid me and people I know, realistically. 1) Skills-based freelancing, if you can design, w…
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…
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…
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…