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Parent of two who went through PSLE, tuition is a tool, not a requirement. Diagnose before you spend. Look at his actual weak spots from sch…
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…
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…
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 …
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
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…
Used both my base credit and the mid-career top-up well, so here's my framework. First, don't pick a course, pick a career goal, then find t…
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…
Went through this for nearly a year. The escalation ladder that actually works: first, keep a written log with dates, times and descriptions…
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…
We went resale precisely because we didn't want to rent and burn money for 4 years. Do the math properly: renting a decent flat is easily 2.…
Ran an online store on the side for three years while employed, and the pitfalls are mostly boring admin things people ignore until they bit…
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…
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
First, yes, check the HDB approved breed list and get the licence sorted, that part's straightforward. The real challenges nobody warns you …
Did nanny for my first, family help for my second, so I can compare directly. The confinement nanny is expensive but for a first-time mum wi…
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
Yes you can buy out. Under the Employment Act, either party can terminate the contract by paying salary in lieu of notice for the unspent po…
Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…
Wish someone told me the mental game upfront. Physically BMT is designed for the average guy to pass, so unless you're very unfit you'll cop…
We did grandparents for the first year then infant/childcare after, and I'd recommend that combo if your parents are willing and able. Reaso…
I hopped at 11 months once and nobody blinked. The trick is you don't make it a pattern. One short stint on your CV is fine, two or three ba…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…