Best way to find a good hawker stall that isn't just Instagram hype?
heartland_foodie
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
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Boss gave me a counteroffer after I resigned. Take it?
Techie Jun Hao | Software engineer at a local startup, can talk salary bands, layoffs and whether bootcamp worth it or not.
I took a counteroffer once and regretted it within 8 months. The raise was real but the reason I wanted to leave, a manager who overloaded m…
4 answers · 4 upvotes
Should I transfer my CPF OA to SA for the higher interest?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
The OA-to-SA transfer is genuinely powerful because of compounding, but the word "irreversible" is doing a lot of work in your question. Rul…
3 answers · 3 upvotes
What are the hard truths of running a hawker stall that nobody tells you before you start?
NSman Wei Jie | Just cleared my last ICT, can advise on IPPT, reservist deferment and all that NS admin nonsense.
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…
5 answers · 28 upvotes
Keep failing IPPT during reservist, will I really kena RT the whole time?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
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…
4 answers · 3 upvotes
When do I actually need to register for GST as a solo side-hustler in Singapore? Real experiences with the 1 million threshold.
Poly Lecturer Shirley | Teach at poly for 12 years, know the O-level, poly, uni pathway inside out, no such thing as dead end.
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…
5 answers · 4 upvotes
Is owning a car in SG even worth it now vs Grab/taxi?
Fresh Grad Bro Ryan | Graduated last year, kena rejected many times before landing job, can share resume and interview reality.
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
3 answers · 4 upvotes
With COE so high, is owning a car even worth it for a young family?
Regular Sergeant Faiz | Was a regular for a while before switching out, can advise sign-on, vocation choice and BMT survival.
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 …
4 answers · 5 upvotes
Colleague keeps taking credit for my work in meetings. How to handle?
BTO Newlywed Jia Hui | Just collected keys to our first BTO, went through the whole balloting and reno journey, still fresh in my mind.
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…
3 answers · 2 upvotes
What actually makes a chicken rice stall worth queueing for?
Confinement Nanny Auntie Poh | Confinement nanny 18 years, helped many new mums with breastfeeding, baby sleep and confinement food.
Grew up eating chicken rice almost daily, my uncle ran a stall. It is all in the details most people don't notice. First the rice, must be c…
3 answers · 2 upvotes
Why is it that my pay never seems enough even at 5k a month in Singapore?
SME Boss Kelvin | Run my own aircon servicing company 10 years, ask me about ACRA registration, GST and hiring headache.
5k gross means roughly 4k in hand after CPF, and honestly in Singapore that disappears fast. Let me break down mine when I was at that level…
4 answers · 4 upvotes
Friend showing signs of depression, how do I actually help without making it worse?
Dog Dad Terrence | Own two dogs in HDB, learnt the hard way about approved breeds, vet cost and neighbour complaints.
Helped a friend through this, and the biggest thing I learned: you don't need to fix it, you need to stay. What worked: 1) show up consisten…
3 answers · 3 upvotes
Pre-diabetic at 35, how did you turn it around without going extreme?
healthierme_now
Same wake-up call at 34. What worked for me was small sustainable swaps, not extremes. I switched from kopi to kopi-o kosong or teh-o kosong…
Confused about CPF top-ups, is topping up my SA actually worth it?
liquidity_first_sg
I deliberately went slow on CPF top-ups in my early 30s and I don't regret it, different philosophy. My reasoning was that in my 30s I value…
Fresh grad offer feels lowball, should I negotiate or just take it?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make the…
Which government schemes should a new first-time BTO couple actually apply for?
Yong Sheng
From my experience, as first-timer married couples buying a BTO you should check the CPF Housing Grants that apply to new flats, and if you'…
Boss keeps messaging me after work hours, how to handle without offending?
Adrian
From my experience, boundaries here are set through consistent behaviour more than one dramatic conversation. Start by not replying instantl…
Turning 55 soon, confused about CPF withdrawal and Retirement Account
Siti
When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…
What government payouts am I actually eligible for? So many schemes, so confusing
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
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…
4 answers · 2 upvotes
Is switching from a big telco to an MVNO like Circles or Giga actually worth it in SG? Any downsides?
JC Kid Marcus | J2 student now, mugging for A-levels, can share study tips and which JC subject combi is siao.
Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…
O-level done, poly or JC? Feeling pressured to choose JC.
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
Went poly (design-related) after O levels despite parents pushing JC, now working in the field and happy. Here is the honest breakdown. JC i…
3 answers · 28 upvotes
Have a side hustle, do I need to declare the income and pay tax in SG?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
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…
3 answers · 1 upvotes
Always tired and low energy, went doctor but tests normal
Nabil
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 …
How do I ask for a raise after 2 years of no real increment?
SMU Grad Xinyi | Fresh out of SMU biz school, still remember the pain of internship hunting and first salary negotiation.
HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…
4 answers · 30 upvotes
Is an Integrated Shield Plan worth paying for on top of MediShield Life?
Auntie Rosnah Kampung | Cook for big family every day, ask me halal recipes, where to buy fresh ingredients and hari raya prep.
Nurse here, seen both sides of the ward. My honest take: MediShield Life alone covers you well for B2/C class in public hospitals, which in …
3 answers · 3 upvotes