Real questions and answers popping up at random—scroll through whenever you have a minute. Tap a few more questions you're interested in, and this will gradually turn into "Recommended for you."
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…
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…
After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that 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…
Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…
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 took over a stall at 29 and I'll give you the completely unfiltered version. The romance dies on week one when you realise the day starts …
Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…
I do both but split it, and the logic that helped me was thinking about which bucket of money it is. My CPF SA top-up is my bond allocation,…
I enlisted at 78kg overweight, went into the Physical Training Phase (PTP) first for the extra two months before BMT proper. Honestly that P…
Cai png is a trap because 'three veg one meat' quietly became 5-6 bucks. What actually cut my spend without misery: 1) cook rice in bulk (ri…
We survived the grind by being ruthless about protecting one non-negotiable slot a week, for us it was Sunday brunch and a walk, phones in t…
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
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…
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
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 stayed an extra 8 months for a 4-month bonus once and I regret it, because I did the actual maths wrong. Yes the bonus was real money, but…
Cut through the guru noise, here's what actually paid me and people I know, realistically. 1) Skills-based freelancing, if you can design, w…
I'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
From my experience, what you're describing sounds a lot like burnout, and losing interest in things you used to enjoy is a real warning sign…
Nurse here, seen both sides of the ward. My honest take: MediShield Life alone covers you well for B2/C class in public hospitals, which in …
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…
The "accrued interest" thing scares people unnecessarily, let me demystify it. When you use CPF OA to pay for your flat, you must return tha…
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…