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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…
Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…
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…
Been an owner 8 years, two dogs. My honest math: insurance is worth it IF you'd struggle to fork out a sudden 3-5k for surgery, and it's mos…
Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…
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.…
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…
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
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…
We were in your exact spot and chose resale specifically because living with in-laws was straining our marriage, and no flat is worth your r…
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…
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
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 clean way to think about it: OA earns 2.5% guaranteed. Your HDB loan charges 2.6% (0.1% above OA rate). So paying the loan with OA "save…
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 …
Realistic range now is 10-20% for a lateral move, more if you're also stepping up in title or moving into a hotter function. I moved last ye…
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …
The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …
Went through this exact debate. We chose grandparents for the first year then infant care after, and honestly a hybrid worked best for us. W…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
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…
From my experience, as first-timer married couples buying a BTO you should check the CPF Housing Grants that apply to new flats, and if you'…
Classic. Stop relying on the meeting to show your value, build a paper trail instead. Send project updates over email with senior people cc-…
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…