why need people to convince you? we are not paid to do that

decide yourself..it's your future..

now i am considering to become sg citizen and convert my daughter and son as s'porean and my wife too..shd i do that?....(just a question to myself)

working in banking industry...

is PR being taxed cheaper than wp holder?

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Added on January 19, 2011, 1:41 pmhaha...yup...u r not paid to give advice...but u will feel good if u can help ppl xp

i just moved to singapore....still thinking about whether I should be a PR....if i have become a PR, my money will be in the CPF fund...

btw...i m single lady....still thinking what i should do to have a better future...

This post has been edited by elie3173: Jan 19 2011, 01:41 PM

??? i do remember if we work more than certain days in Sg, we will be taxed same rate as the citizen so no worry about the tax rate....

is ur company write that "cash back CPF " scheme system in the employee handbook ? coz mine dun have ....

maybe is different for different working field and company after all jealous ...

u cant take PR until u work for at least 6 months if you taking P1 or P2 pass. i almost serve full 6 mths

application of PR need pay $100 which are not refundable if fail mean say bye bye to 100~

i will wait after GE only go apply~

ok then, i am a single male, then we be PR and get married asap so we can both buy a HDB flat and save on rental (joking).

anyway, becoming a PR is definitely yes for me, but its just a matter of time. Coz after i become PR, i can't ride my Malaysian bike to work anymore and need to buy a Singapore bike. My Malaysian bike is just 2 months old. I got it new when i move to JB in december. So i think i need to wait at least another 2-3 years before i will get another new bike.

You can sell you malaysian bike. No probs over there.

what if i currently buy a hdb flat and subsequently going back to malaysia, PR cant renew and will my hdb will be collect back by the government? or force-sell or nothing happen?

hi again lester, so now that u use the bike, how is it? what's the time taken like? i recall u used to take public only before? and also ur work place is near the border right?

it is stated in my offer letter

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Added on January 19, 2011, 2:39 pmi see...

when is the GE?

This post has been edited by elie3173: Jan 19 2011, 02:39 PM

good la...my company dont want pay cpf for me..cos they say if they pay..then alot other will ask for it too..

i have a friend and it did stated in the employee handbook (insurance line).

thats y i in dilemma , whether i should apply for PR or should ask my company about this pratice

for me PR is useless , but without the PR oso can get the CPF thats my dream come true

My house is in Taman Ehsan Jaya (16KM from Causeway) and office is in Yio Chu Kang (around 15KM from causeway)

For JB to SG in the morning, its really depends on ur luck. coz when we enter from JB-SG, there are 4 side that we can queue to pass the immigration, there is 2 side that is very fast (1 side is for BIKES). another 2 side is slow. let say if i am lucky and those ICA police didn't halau us to the other side, then i can reach office less than 1 hour from my house. But if unlucky, then it will take around 1 hour 15 mins to 1 hour 30 mins depends on traffic. yesterday i leave house at 7:30am, reach office at 8:25am. Today leave home at 7:30am, reach office around 8:20am. If u leave home at 7:30am, definitely won't be late.

For SG-JB in the evening, same thing, there is 4 side to pass the immigration, depends on luck as well. 1 side is only for Singaporean, PR and registered BIKES user only. If you travel by bike very frequent, can go and do the BIKES thing in the immigration but they are only open in office hours. same like morning, 2 side fast (1 side is BIKES), 2 side slow, if got to the slow section, will reach home around 7:15pm lo. If got the fast section, can reach around 6:50pm. I off work at 6pm.

Public transport is only testing la, last time bcoz i stay in SG ma, don't have bike, so went to my friend house in Taman Sentosa and try to travel to work with Bus, leave his house at 5:30am and reach Kranji MRT at 7am. To me, its a waste of time, better travel by bike. But my friend say he don't like the smoke smell, blah blah blah (as usual la, those people that are grown in a pampered family, sure cannot tahan this, tahan that 1). then he decided to take bus. If you ask me, i think u sleep less 1 hour a day will do more harm then inhaling those smoke for 15 mins when u are on the queue. moreover, if u went to the slow section, there will be police there to scold those people that didn't turn off their engine when they are on the queue, so most people will be eating breakfast, reading newspaper when they are queuing on the slow section and the air is very fresh (morning ma).

Overall, if u let me choose again, i will still choose to stay in JB coz last time when i stay in Sembawang, if i work at 9am, i need to leave my house at 8:10am as well. So i only need to leave home 40 mins early and i get to have my own transport, i can keep my Malaysian car in JB so i can go back KL whenever i like and don't have to squeeze with those people in MRT in the morning.

erm...i think wrong info here...

application no need money...
you will only need to pay once your application successful...

in regards with application...
anytime u can apply...
but the chances of kena reject is almost 100%

save the cash money from employer and self CPF contribution. save and wait for a good time (or bargain) to buy condo. You have less restriction to rent out condo than a HDB. IMO, the hot money is pushing up the price way over its true value. Time will come, you have to time your purchase but if you don't have enough cash in hand when the opportunity jump on you then you are not in the game. People paid a few 100k less from current market price for a condo during last economy downturn.

The price of a HDB is more than enough to buy you a SG car and a landed JB house with nice garden. If you or your family are ok to drive in SG daily for work/school, why pay more for maid, SG petrol and small HDB?

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Added on January 19, 2011, 3:56 pm??? why not ask other to make request together. All get extra pay!

This post has been edited by r1v3r: Jan 19 2011, 03:56 PM

[quote=r1v3r,Jan 19 2011, 03:49 PM]
save the cash money from employer and self CPF contribution. save and wait for a good time (or bargain) to buy condo. You have less restriction to rent out condo than a HDB. IMO, the hot money is pushing up the price way over its true value. Time will come, you have to time your purchase but if you don't have enough cash in hand when the opportunity jump on you then you are not in the game. People paid a few 100k less from current market price for a condo during last economy downturn.

The price of a HDB is more than enough to buy you a SG car and a landed JB house with nice garden. If you or your family are ok to drive in SG daily for work/school, why pay more for maid, SG petrol and small HDB?

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Added on January 19, 2011, 3:56 pm


nice say , thats y if it is possible, i really dun want to apply PR and lock up my 20% cash

They do check immigration records to see if you are really "residing" in Singapore.
There are cases where people who go back Malaysia every weekend got their application rejected.

if you stay in SG then you are at the mercy of rental "market". While you wait for your opportunity you have to endure the owner keep pushing for higher rent else "want to sell house", "O$P$" kind of stunt. Then move here and there after a few years until you get your condo.

Some of us want to start a family and travelling to and fro btw JB and SG is not a good idea especially when you have young children. They need a permanent place to call home so they want to "lock" the rental by buying a HDB. Once you sign the dotted line, you arrange your "rental" with the bank. My installment is lower than renting the same type of unit in my area.

Dude, if not mistaken the 35-year-old single HDB ownership schme is only applicable for Singaporean.

I gather this info from google search.
HDB ownership depends on the PR status and if by any means you do not hold PR status you will have to relinquish the HDB ownership.
Following are the options in such scenarios -
1.) You can transfer the HDB on someone else's name (your relative or someone trustworthy).
2. You can sell the HDB in open market.
3. Worst case HDB will take back the flat either on the evaluation or Purchase price whichever is lower at that time.
4.) On the case to case basis ICA can extend you a Visa to sell off your flat for 3 months maximum and HDB will also give you grace period to maintain the ownership during that period.

All this talk is starting to make me consider the bike again. the only thing stopping me is that i'm required to travel extensively and there is a problem of me bringing some equipments i might need to bring along as well and also problem of me going to the airport in singapore. sometimes it is early in the morning and it would be too risky to take the public to the airport which is so far away from the border. :-(

option, find a different job! :-)

i dun plan to buy any properties in sg . i only interested in MY