The notes that can go in an ang bao for Lunar New Year 2027
Lunar New Year 2027 falls on 6 February. Which notes you can get for an ang bao, lai see or 紅包 in Singapore, Malaysia,...
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The 916 on a gold chain means something different in Malaysia and Singapore
Malaysian regulations make the fineness stamp compulsory, fix 22 karat as 916 rather than 917, and force the receipt to...
Thailand's VAT rate is legally 10%, and the 7% expires every year
The Revenue Code sets Thai VAT at 10% and always has. The 7% everyone pays lives in a royal decree with an expiry date —...
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Philippine 13th month pay is a wage, and a Christmas bonus can count as it
Thirteenth month pay has been compulsory in the Philippines since 1975, but a December bonus worth at least a twelfth of...
Why a Pay Rise Won't Grow Your Pension
The OECD says Thailand's pension replaces 41.5% of an average wage and 20.7% of twice that. Singapore falls from 57.6% t...
Thailand Raised Your Social Security Deduction. It Also Raised Your Pension.
The wage ceiling had not moved since 1995. On 1 January 2026 it went from THB 15,000 to THB 17,500, and it is scheduled...
Vietnam Salary Deductions Explained (2026): New Tax Brackets, Insurance and Take-Home Pay
Your tax bill fell in January 2026, not July — on a ₫30,000,000 salary that is ₫450,000 a month. Seven brackets became f...
Philippine Salary Deductions Explained (2026): SSS, PhilHealth, Pag-IBIG and Tax
Your offer says ₱30,000 and your payslip says ₱26,542.45. Here is exactly where the rest goes — the three contributions...
Keeping Crypto Records You Can Actually File
IRAS publishes a list of eight things your crypto records should contain. An exchange CSV gives you four of them, and ge...
What a Car Actually Costs to Own in Malaysia and Singapore
A Singapore Category A COE closed at S$126,000 in July — roughly eight times the price of an entire new Perodua Myvi. Ro...
Living in One Country, Earning in Another
Singapore counts 183 days, Malaysia 182, Indonesia more than 183 — and all three count them over different windows, whic...
How to Read Your Payslip in Singapore, Malaysia and Indonesia
Every line on your payslip, what it actually is, who pays it, and which ones you can change. Including the Singapore ded...
What Changed in the Statutory Rates This Year
If you earn S$60,000 in Singapore, your tax bill this year is S$200 higher on identical income — and no rate changed, no...
EPF vs CPF: How Malaysia's and Singapore's Retirement Systems Compare (2026)
Side-by-side 2026 comparison of Malaysia's EPF and Singapore's CPF: contribution rates, ceilings, dividends vs floors, w...
How to Estimate a Mortgage You Can Actually Afford (Singapore & Malaysia, 2026)
TDSR, MSR and the 4% floor in Singapore; bank DSR practice in Malaysia — two worked examples show exactly how much home...
How BPJS Kesehatan & Ketenagakerjaan Deductions Work (2026)
What BPJS Kesehatan and Ketenagakerjaan take from an Indonesian salary in 2026: rates, the two different wage caps, and...
Singapore vs Malaysia Income Tax: Where Does Your Salary Go Further? (2026)
Three salaries computed under SG YA2026 and MY YA2025 rules: tax bands, CPF vs EPF deductions, and the honest cash vs ta...
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