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In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …
Cut through the guru noise, here's what actually paid me and people I know, realistically. 1) Skills-based freelancing, if you can design, w…
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…
根據CPF 的規則，20% 的基數為每月 SGD 6,000 x 0.2 = SGD 1,200。然而，CPF 的最大投資金額是每月 SGD 660。所以，你每月可以投資的最多 CPF 金額是 SGD 660。最佳答案！
Did exactly this at 33, left MOM after 7 years for a fintech startup at Mapletree Business City. First thing that hit me: no more clear repo…
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
Not overreacting, 3 hours daily commute is 15 hours a week, basically two extra unpaid workdays of your life. That's a legitimate quality-of…
With 192 (AL) you are in a solid band lah, but branded schools like the top IP ones usually need low single digit totals. Honestly for that …
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 …
I turned down a counter-offer and I'm glad I did. The classic pattern is: they match your salary now because replacing you is expensive and …
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 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 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, …
I took the JC route and went to uni, and while it worked out, I'll be honest that JC was academically intense and not everyone thrives in th…
I'm an ex-recruiter, here's the insider truth. We ask early to screen out people out of budget, so refusing to answer entirely can get you d…
Retrenched at 47, bounced back in five months, so it's possible but the game is different at our age. What actually moved the needle: networ…
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…
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…
HDB dog owner here. For a standard flat, only ONE dog is allowed and it must be from HDB's approved list of smaller breeds, think toy poodle…
Been there, and open war loses every time. What worked: I stopped waiting for my boss to credit me and built my own quiet visibility. I star…
I took over my family's stall, so let me be blunt: the romantic image is mostly a myth. The hours are brutal, we're at the market before daw…
From my experience, the fix is documentation and quiet visibility, not confrontation. Start putting your ideas in writing before meetings: a…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Ran this spreadsheet in detail before deciding to stay car-lite. The brutal reality: owning a car in SG easily runs $1,500-2,500+ a month al…
Been juggling a side business with a day job for years, so here's the balanced picture. It's genuinely doable and the extra income and skill…