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Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…
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…
Sold ours right after MOP and it worked out, but the paper gain is more of a mirage than people admit. Yes, you sell high, but you also BUY …
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 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 …
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 …
Ran a noodle stall in a coffeeshop for three years, and let me kill the romance with real numbers first. Rent in a decent coffeeshop can be …
My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…
I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
We did a hybrid and it was the best of both, so consider that before choosing one extreme. Grandparents give love, one-on-one attention and …
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…
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…
I've learned to split my bonus with a simple system: a chunk to debt or mortgage if any, a chunk to long-term investing, a chunk to savings,…
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…
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 …
I took over a stall at 29 and I'll give you the completely unfiltered version. The romance dies on week one when you realise the day starts …
I ran a stall for two years and closed it, so here's the cautionary tale. My food was good, people liked it, but I couldn't make the numbers…
With AL 12 your daughter is in a solid range and has good options, but strategy matters under the new system. Remember posting is by school,…
We took non-mature in Punggol back when it was still ulu and full of construction dust. First two years I complained non-stop, no proper cof…
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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…
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'…
I did poly (engineering) then got into local uni, so it's very doable if your GPA is good. The framing 'JC is faster' is true but faster isn…
We went resale in Bishan two years back, paid about 680k for a 4-room and yes it hurt compared to a BTO. But we moved in within 3 months, no…