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Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …
ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…
I pushed my elder child into JC because of prestige and honestly regretted it because she struggled and lost confidence. With my younger one…
Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…
Negotiated up about 12 percent at a local SME last year. The trick with SMEs is they're less rigid but also more personal, so frame it right…
I'm a hawker, let me explain from the cost side. Everything I buy has gone up, chicken, rice, oil, vegetables, gas, packaging. When my ingre…
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…
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
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…
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 …
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…
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…
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.…
HR perspective, and the honest nuanced answer, two years per role in your 20s and early 30s is broadly acceptable now, especially in tech an…
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…
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
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…
Enlisted at 24 after my degree, same worry as you. Honest truth: the age gap becomes a non-issue after week one. The younger guys actually l…
I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…
After years of trial and error, here's my decision rule. Go to a PRIVATE GP when: it's a simple acute thing (flu, cough, minor infection, MC…
I ran a stall for two years and closed it, so here's the cautionary tale. My food was good, people liked it, but I couldn't make the numbers…
I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …
I did poly (engineering) then got into local uni, so it's very doable if your GPA is good. The framing 'JC is faster' is true but faster isn…
Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…
For ~150 for two and 'feels special', my move is lunch sets at higher-end places, same kitchen, half the dinner price. Many atas restaurants…