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I enlisted at 78kg overweight, went into the Physical Training Phase (PTP) first for the extra two months before BMT proper. Honestly that P…
Did this exact math last year and switched to SIM-only, saving roughly $40/month. Here's how to work it out properly. The "free" phone on a …
Married across race and religion, ten years now, so this is lived experience. It works, but the early family part takes patience, not confro…
Been exactly where you are, the Sunday night chest tightness, so first, that is real and you are not weak, that is your body waving a red fl…
Yes, the framework changed, cats are now allowed in HDB flats under a licensing scheme with a cap on the number per flat (there's a transiti…
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…
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…
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…
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 …
Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…
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…
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 …
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 …
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…
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…
We kept ours sane by separating what we wanted from what tradition demanded, then compromising. My parents wanted the big dinner for relativ…
Lived with in-laws for 3 years waiting for our flat, so I've been in the trenches. What kept the peace: first, your husband must be the one …
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 …
Did ours for roughly this range and yes it's doable, but 250 guests at a hotel banquet is the exact combo that blows budgets. Here's the rea…
Two kids through PSLE, opposite experiences taught me this: tuition is a tool, not a default. My elder was coping fine in school so we skipp…
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…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
I moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…