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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…
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 …
Been in a stat board for 6 years. Honestly it's a lot more varied than people think, but it depends heavily on which agency and which divisi…
We held off buying because of COE and instead use a mix of public transport, Grab and car-sharing, and it works for us. With two kids I unde…
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…
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 …
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
I accepted a counter-offer once and regretted it within 6 months. Here's why: the reasons I wanted to leave (bad manager, no growth) didn't …
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 …
My daughter is now in JC and I'll tell you what I wish I knew at your stage, the PSLE score mattered far less than we panicked about, but th…
Been through many reservist IPPTs from a desk-job body, here's the efficient approach for the 3 stations (push-ups, sit-ups, 2.4km run). Giv…
First car surprised me with the recurring stuff, not the upfront. Things people underestimate: 1) parking, a season pass at home (HDB/condo)…
Classic. Stop relying on the meeting to show your value, build a paper trail instead. Send project updates over email with senior people cc-…
I helped my mum through this last year so let me break down the real mechanics. At 65 the money in your Retirement Account is used to buy th…
Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…
Not overreacting, 3 hours daily commute is 15 hours a week, basically two extra unpaid workdays of your life. That's a legitimate quality-of…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
I split my emergency fund into two buckets. The first two to three months of expenses sit in a high-yield savings account for instant access…
From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…
Depends entirely on your life stage and where you stay. When we had a newborn and stayed in a non-central area, the car was a lifesaver, no …
ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…
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 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 stayed an extra 8 months for a 4-month bonus once and I regret it, because I did the actual maths wrong. Yes the bonus was real money, but…
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 …