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Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility: the SCT h…
My advice: since none lock you in, just try the cheapest heavy-data option first (usually Simba on promo) with an eSIM so switching is insta…
Helped my parents choose and studied it hard for myself, so here's the plain-English version. All three pay you for life, the difference is …
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 …
Please don't brush this off as being dramatic, months of 4 to 5 hours sleep with racing thoughts is your body waving a red flag. Been exactl…
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 tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…
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…
Cai png is a trap because 'three veg one meat' quietly became 5-6 bucks. What actually cut my spend without misery: 1) cook rice in bulk (ri…
Stayed too long under a toxic boss once, and it cost me more than the good pay was worth, so hear me out. First, separate the fixable from t…
HDB only allows ONE dog per flat and it must be an approved breed/small type, plus you must license it with the authority (used to be AVA, n…
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 …
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…
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…
HDB dog owner here. The rules: one dog per HDB flat, and it must be an HDB-approved breed (there's an official list of small breeds like Shi…
The trick is most of these are auto-assessed, you don't apply blindly for each. Practical approach: 1) log in to the Supportgowhere / govben…
I ran a noodle stall at a coffeeshop for three years before calling it quits, and the number one thing nobody tells you is the hours will de…
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
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…
I ran the numbers properly for my own family. A typical new Cat A car all-in (COE 100k, car price, road tax, insurance, parking, petrol, mai…
I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …
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, …
The trap I fell into with my first, comparing my child to the neighbour's kid and the cousins. I pushed too hard, our home became a pressure…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …