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From my experience, under the Employment Act your salary must be paid within seven days of the last day of employment, and an employer gener…

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…

I held out for years taking Grab and MRT everywhere, then my second kid came and everything changed. Lugging a stroller, a diaper bag and a …

Use both strategically, that's the real answer. For a simple acute thing, cough, flu, mild infection, a private GP is usually worth the extr…

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 …

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 moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…

I fought mine through the Small Claims Tribunal and got most of it back, so yes it's winnable, but preparation is everything. My landlord tr…

Bought a resale last year, went through the COV drama. Few things that actually work: one, get your own valuation done first via HDB after y…

Stop relying on the meeting to get credit and control the paper trail instead. Concrete moves that worked for me with a credit-stealer: 1) S…

Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…

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…

Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…

I used to blurt out my current salary and it capped every offer. Now I frame it around total package. I say something like: 'My current tota…

We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…

Bought many phones here, my ranking for value-without-risk: 1) Official brand store or authorised retailers (Challenger, Courts, telco store…

Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…

I tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…

Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…

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…

I'll be honest, I let mine sit for years thinking it was too small to matter, then finally used it and regretted waiting. I did a part-time …

Been contributing to SRS for years, here's the honest calculus. SRS is worth it in proportion to your marginal tax rate. If you're in a high…

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…

I actually tracked this for a year after selling our car. Owning realistically costs a lot monthly once you total COE amortised over 10 year…

I interview candidates regularly, so here's what I actually think when I ask this. I'm not expecting a fairy tale, I know most people leave …