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Neighbour noise is horrible, been there. The realistic ladder: 1) keep a noise log (dates, times, type of noise) and record audio/video with…
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…
Here's how it actually works based on my own experience as a 30-something NSman. Each work year you get an IPPT window. If you don't pass IP…
Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…
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…
Yes, clawback clauses are generally enforceable in SG if clearly worded, this is a standard retention mechanism, not a trick. Read the exact…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make the…
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 …
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…
Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during which you …
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
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…
Been an owner 8 years, two dogs. My honest math: insurance is worth it IF you'd struggle to fork out a sudden 3-5k for surgery, and it's mos…
Sole breadwinner here too, so I hold more than the textbook 3 to 6 months, I keep 9 to 12 months of expenses because if I lose income the wh…
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 …
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
We went BTO and I'd do it again, but only because we had a place to stay while waiting. We stayed with my in-laws for the build period, whic…
I ran a small home-based baking business alongside my 9-to-6 for two years, and the hard lessons weren't what I expected. First, check your …
Consider the renting-while-waiting math seriously because it can eat the BTO savings. We didn't want to stay with parents so we rented a roo…
Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…
We went resale in Bishan two years back, paid about 680k for a 4-room and yes it hurt compared to a BTO. But we moved in within 3 months, no…
From my experience, the average salary range for a software engineer in Singapore is around SGD 6,000 to 12,000 per month, depending on the …
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 …