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Passed a few of these while holding a full-time job, so here is the realistic plan. Coding round: yes it is usually leetcode-style. You don'…
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,…
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
Cleared RT twice, no drama, here's the deal. Failing IPPT means you're placed on the Remedial Training programme, you complete a set number …
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…
ORD-ed a while back, BMT feels huge before but it's very survivable. Physical prep matters most, start NOW: 1) build running base, aim to jo…
Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…
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.…
I hit that exact wall two years ago, and the turning point was actually going to a GP and being honest, which got me a referral and a short …
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！
You generally cannot sell on the open market before MOP, full stop, that's the rule and there's no "penalty payment" workaround to sell earl…
I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …
Married 6 years, my husband was the spender. What saved us was the "three pots" system. Joint account for shared stuff (rent, utilities, gro…
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 …
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…
We went resale in a mature estate (Bishan) in 2024 and I don't regret it, even though we paid COV of about 30k on top. The math: BTO would h…
I pushed my elder child into JC because of prestige and honestly regretted it because she struggled and lost confidence. With my younger one…
Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…
We had the same tension and honestly I had to let go of a lot of control, which was hard for me as a first-time parent. My realisation was t…
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
HR here. Never give a single number, give a researched range and anchor to market. My script that works: "Based on my research for this role…
From my experience, 38 is not too late, and your sales background is actually an asset in tech, think roles like sales engineering, customer…
I made the jump at 36 from a marketing role into a data analyst position, no CS degree, self-taught SQL and Python over about 14 months whil…
Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during which you …
Controversial take, but I gave up my car entirely and switched to a mix of Grab, public transport and occasional car rental for family outin…