Local Qualifying Salary and Progressive Wage Model 2027: Model the Wage Bill Before You Quote
Wage floors move on fixed dates in 2027, but quotes for 2027 work are being signed now. A short modelling exercise in October tells you whether the price you are about to put in writing still has a margin in it next June.
11.11 Discount Stacking: What Floor Price Protects Your Margin?
Four separate discounts can land on the same 11.11 order, and most sellers only see the combined effect after the campaign has closed. A floor price per product, set before sign-up, is the control that stops volume turning into loss.
Retirement Age 64 and Re-employment Age 69: The Contract and HR Record Changes Small Teams Must Make
When the statutory retirement age moves to 64 and the re-employment age to 69, the real work for a small company is not legal drafting. It is knowing who turns 63 in the next 12 months, when each re-employment offer is due, and which system still has an old age threshold buried in it. Here is the October checklist for a 10 to 20 person team.
Microsoft 365 and Google Workspace AI Bundling: What Will Your Per-Seat Cost Be in 2027?
Both Microsoft and Google have stopped selling AI as an optional extra and started building it into the business plans you already pay for. The uplift lands at your next renewal, not on a date you pick. Here is how to work out your real 2027 per-seat cost, which staff genuinely need an AI licence, and what you can still change before the invoice is issued.
Auto-Inclusion Scheme Registration: What Singapore SMEs Must Do Before 31 December
If your company had five or more employees at any point in 2026, AIS is compulsory and registration closes on 31 December. The registration takes minutes. Getting your payroll records to produce a correct IR8A for every person you paid this year is the part that needs October, not February.
Ransomware Recovery Time: How Fast Could an SME With No IT Team Get Back to Trading?
Owners assume a cloud sync means same-day recovery. In practice an SME with no IT team is down for three to ten working days, and nobody finds out until the worst week of the year. Here is how to measure your real recovery time, what to restore first, and what to fix before the December peak.
How Do You Verify a Payment Approval When a Deepfake Voice Sounds Exactly Like the Boss?
A cloned voice on a call is now cheap enough to use against a 15-person company. The defence is not better detection - it is a written rule that no payment, no bank detail change and no purchase order is released on voice or video alone. Here is what that rule should say, who should hold it, and why October is the month to put it in place.
AI Search Visibility for Singapore SMEs: Why ChatGPT Recommends Your Competitor
AI assistants now shortlist suppliers before a buyer ever visits your website. They can only repeat what the wider internet already says about you, which is why a thin site and a stale Google Business Profile lose work to a competitor who is easier to quote. This post covers how to test what AI says about your business today, the six fixes worth doing in October, what it costs in hours rather than licences, and the two things not to pay for.
S Pass Qualifying Salary and Levy Step-Ups in 2027: What Should an SME Decide in October?
The S Pass qualifying salary and foreign worker levy both step up again on the way into 2027, and they land on renewals already sitting in your first-half calendar. October is the last month you can still choose between a raise, a restructured role, or a lapsed pass. This post sets out how to price the real cost per worker, how to test your quota headroom, and the three decisions to close before the year ends.
Why Your Invoices Land in Spam: DMARC, SPF and DKIM for Singapore SMEs
If your quotes and invoices keep landing in spam, the cause is usually three missing DNS records, not your wording. Here is what SPF, DKIM and DMARC do, how to tell whether your domain is the problem, the order to fix them in, and the one shortcut that will stop your invoices reaching anybody at all.
Corppass Administrator Access for Singapore SMEs: Fix It Before 30 November
Corppass access belongs to a named person, not to your company. If one employee holds it, your corporate tax filing, CPF submissions and work pass renewals all sit behind one Singpass login. Here is the twenty-minute check to run in October, the services that must be assigned before 30 November and 31 December, and the two-administrator structure that fits a 10 to 20 person team.
When Should You Book December Courier Capacity and Publish Your Cut-Off Dates?
Courier and 3PL capacity for December is allocated in October, not December. This is the decision calendar: when to confirm volumes with your carriers, which eleven dates belong on a cut-off calendar, what to do when a carrier quietly suspends its delivery guarantee during peak, and where the cut-off dates have to appear so a customer cannot claim they were never told.