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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 …

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 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…

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, …

I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…

I bought a car right after my first kid was born and honestly for a young family it changed our lives, but let me be clear about the real co…

We went through this and what saved us was honesty early rather than letting assumptions build. My wife spoke to her parents directly and lo…

Document, document, document. I kept a timestamped log and short videos for two months. When it went to mediation, having concrete evidence …

Recruiter here, and I'm sorry because ghosting is inexcusable but common. What usually happens behind the scenes: a hiring freeze lands, hea…

Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…

I used to blurt out my current salary and it capped every offer. Now I frame it around total package. I say something like: 'My current tota…

I felt the exact same way and honestly what shifted things was separating the wedding from the marriage. We were stressing over a big banque…

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…

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…

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…

My take might differ, I found it liberating rather than isolating, but I'm quite thick-skinned about what others think. Yes, aunties gave me…

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…

Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…

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 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 …

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 …

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…

It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …

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…

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…