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Did the shielding for my mother two years ago, so I know the mechanics. The idea: just before 55, you invest most of your SA money into a sh…
Not unreasonable at all, 3 hours of daily commute is 15 hours a week of unpaid life, that's a real pay cut in time. But don't quit on emotio…
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…
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…
From my experience, boundaries here are set through consistent behaviour more than one dramatic conversation. Start by not replying instantl…
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…
From my experience, 38 is not too late, and your sales background is actually an asset in tech, think roles like sales engineering, customer…
Recruiter here, and I'm sorry because ghosting is inexcusable but common. What usually happens behind the scenes: a hiring freeze lands, hea…
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 retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
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…
I helped my mum through this last year so let me break down the real mechanics. At 65 the money in your Retirement Account is used to buy th…
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…
My go-to reset is a day cycling the whole Coast-to-Coast trail or the Round Island Route stretches, then ending at a hidden coffeeshop for a…
Been retrenched at 47, came out the other side, so hear me out. First month, do these in order. One, sort the money: confirm your retrenchme…
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
From my experience, the golden rule is to face forward, not backward. Never badmouth your boss or company even if it's justified, because in…
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
Let me give the cautionary but fair view. Owning a dog in an HDB is absolutely doable, many do it happily, but it's not for everyone and imp…
HDB only allows ONE dog per flat and it must be an approved breed/small type, plus you must license it with the authority (used to be AVA, n…
The key concept most people miss is accrued interest. Whatever OA money you use for housing, you must eventually 'repay' to your own CPF wit…
I've raised a small dog in my HDB flat for years and it's great, but go in prepared. Check the current approved breed list before you fall i…
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
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…
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…