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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 …
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…
I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
I did poly (engineering) then got into local uni, so it's very doable if your GPA is good. The framing 'JC is faster' is true but faster isn…
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 …
I interview candidates regularly, so here's what I actually think when I ask this. I'm not expecting a fairy tale, I know most people leave …
I'll be the cautionary voice. We applied pre-marriage, got the flat, then hit a rough patch and seriously considered breaking up while alrea…
From my experience, the fix is documentation and quiet visibility, not confrontation. Start putting your ideas in writing before meetings: a…
Did the shielding for my mother two years ago, so I know the mechanics. The idea: just before 55, you invest most of your SA money into a sh…
Yes, you can use your Medisave for immediate family, spouse, parents, children, grandparents, siblings. I did exactly this when my mum was h…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
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 …
We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
Dealt with this for my spouse's major hospitalisation. Practical reality, the system is well integrated, the hospital computes subsidy plus …
Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…
Helped my elderly parents with this every round. How it works: 1) each household gets a claim link (announced via SMS/news), you claim once …
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
Stop relying on the meeting to get credit and control the paper trail instead. Concrete moves that worked for me with a credit-stealer: 1) S…
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…
I used to upgrade yearly and it was pure marketing-driven money burning, the year-on-year jumps are tiny now, mostly a slightly better camer…
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…
Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …
Parent of two who went through PSLE, tuition is a tool, not a requirement. Diagnose before you spend. Look at his actual weak spots from sch…