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Long-time polyclinic and GP user, here is my rule of thumb. Polyclinic makes sense when: you need the subsidy (chronic meds, referrals to sp…
I was in the same boat and what worked was having one honest conversation with a clear ask. I told my boss exactly what I wanted: the manage…
We kept ours sane by separating what we wanted from what tradition demanded, then compromising. My parents wanted the big dinner for relativ…
From my experience, the average salary range for a software engineer in Singapore is around SGD 6,000 to 12,000 per month, depending on the …
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…
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…
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…
Been through five reservist cycles now with kids, and the mental shift that helped me most was treating it as a forced two-week detox rather…
Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…
Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…
Realistic range now is 10-20% for a lateral move, more if you're also stepping up in title or moving into a hotter function. I moved last ye…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
I do the JB run roughly twice a month and I've tracked it properly for a year, so here's the honest math. Groceries and household stuff genu…
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…
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
I use a hybrid. I let CPF OA pay the bulk of the monthly instalment so my cash flow stays healthy for emergencies and my kids' stuff, but I …
20% is completely normal for a job hop in Singapore, in fact in hot fields like tech and finance people get 25 to 40% when they move. Compan…
We went BTO and I'd do it again, but only because we had a place to stay while waiting. We stayed with my in-laws for the build period, whic…
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 …
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 …
Been contributing to SRS for years, here's the honest calculus. SRS is worth it in proportion to your marginal tax rate. If you're in a high…
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…