If u noticed, dividend rates and interest rates in SG is lower than in Msia. I'm talking both borrowing and lending rate.
Further, from macro point of view Msia has higher risk (lower rating) than SG, so the fixed (or somewhat fixed) return rate in Msia should be higher than SG.
If CPF rate matches EPF rate, that would not make sense.
So (assuming ceteris paribus, which is a BIG assumption), it's better to put in EPF/FD in Msia than in SG.

Anyway, that being said, if i remembered correctly ur CPF for the first SGD60K is paid at 2.5% + 2% = 4.5% (I think i saw that on some fund manager advertisement inside the MRT train, i think its aberden asset mgmt)

Correct. That why the BIG assumption there.
If making $$ is that easy, we would be living in heaven.

put in my account lar. I give u 20% return.
I lend people $9 dollar and collect back $13 the next day. My standard rate.
If they dun pay, I spray red paint lor.

but if u long term in Sg then put in SG lor. why risk the exhange rate?
only change to RM for those that u nid to spend in RM lor.

This post has been edited by Aloong: Aug 19 2011, 03:46 PM

I will prefer Tan Jee Say too, cos coming from his background, he seems more entreprenurial / bsuiness mindset, which more capitalist and less socialist, hence good for "us".. .

Dun worry you are not alone

saw some ppl asking about rooms, so i would like to re-post this, which I've posted in V7.

A friend of mine rented the whole unit, corner unit 5-room HDB (meaning 3 bedrooms). He wants to rent out one of the common room for $700-$800 (negotiable). Location: Bishan, 10mins walking to Junction 8/MRT station. No agents involved.
PM me if interested.

Aiyo, buy so powderful car for wat lar. SG so small no place to run, so jam and everywer got camera. Human cross the road is bigger than ur car, u have to give way first.
Just get one that looks expensive from the outside and the most noisy muffler will do.

Yup, never tried that before, and dun really have the urge to try.
I very kiasi, i couldn't justify the risk (as in accident risk) reward (the satisfaction, if any).

try to check out HDB website. last time i heard they set up a committee/task force or something like that to handle hdb rental cases.
ok, just re-check nothing on the website.
worst case call the police.
are they renting it illegally? if yes, blow the wistle and let HDB now and fine them
if can share ur address, so all of us dun rent from the same owner.

This post has been edited by Aloong: Aug 24 2011, 11:55 AM

Just to ask, what are the benefits of getting an EPEC?

From my understanding it allows foreigner to stay in SG for a year without a job with the intention of looking for a job.

But does it help in securing a job itself?

By having an EPEC, does it mean when you found a job, it gives the employer the comfort that your Employment pass will most likely be approved by MOM?

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Added on August 25, 2011, 2:53 pmThe problem is a lot of them are not stunning at all.
I'm sure we all heard that "they" have high expectation. (Sorry Washabushi, I'm just generalising here)
It was discussed on the 95.0FM radio once. Even the locals agreed.
One of my colleague (one of "them") asked me, does this means Msian have low expectations? I took the wiser choice and shut up.
It's not the matter of comparing high or low, it's a matter of "reasonable expectation". "They" must know wer they are and where they should be looking. Unfortunately, girls with education/ high ranking/ good career is not that important to guys, as compared to the other way round.

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Added on August 25, 2011, 2:55 pmUnfortunately, kampong gals is as good (if not better) than city gals. They fail (or never wanted) to realise that.

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Added on August 25, 2011, 2:57 pmur potential connections just hinted to you. good luck
no not me, guess again.

This post has been edited by Aloong: Aug 25 2011, 02:57 PM

Thanks for the long explanation.
Looks like in current environment it may be advantage to get an EPEC, due to a lot of incidents (as posted in this thread) where companies/applicant have issues getting their EP. So getting an EPEC would give such comfort, though not guarantee.
I dun think the long term visiting ability would be much of an advantage, cos most ppl will not incur huge expenses to stay here, while waiting for job replies. Johor will be much cheaper. Heck, even ppl working in SG, likes to stay in Johor and become a JB king too.

This post has been edited by Aloong: Aug 25 2011, 03:24 PM

Like Ivan said, mostly very general reasons given. but indeed inconsistencies is seen. maybe change of internal policies / change of government direction, which is quite a reasonable excuse/reason.

From wat i gather from my peers + my one sided opinion, doin CF in KL you would easily earn 5 figure (permonth) as compared to SG. My view is that, the demand > supply gap is wider in KL, than in SG..

But the cap would probably be higher in SG, simply say the cap in SG maybe SGD1m per annum, but the cap in Msia probably RM0.5m. So that being said, SG would have indeed higher potential.

In summary what i'm trying to say is, for Cf, it's easy for you to earn 10-20k by being an average performer. But in SG u would have to perform above average to earn that, but if you can perform above average then sky's the limit. Then the question is how long u wana stay in SG and how confident are u as an above average performer?

If you just wan to come here less than 5yrs in Cf line then go back KL. better stay back in KL, cos in 5 yrs time when you go back you may get a salary lower than your peers at that point in time, due to different regulation (altho similar, but still diff), you do not have the client base/local network. The working style is oso diff, in SG paperwork is much lesser, you travel more (more reginal deals), and the regulators here does not "micro regulate" you as much as your SC.

But you may have save more in between the 5yrs, which is not much, cos the salary base is way lower for these 5 years period.

Just sharing my opinion.

Selamat Merdeka!!!! Enjoy your BBQ

On point 1, can give some example? So i can still buy and drive a malaysian car rite?

On point 3, By time i reach 65, can i convert back my SG license to Malaysia license?

Is Kuriya located in Raffles CIty?
Btw, I did a search, there's one Kuriya at Bangsar Shopping Centre (KL). Is it the same one?

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Added on September 3, 2011, 9:45 pmI checked out the menu. Doesn't look like they serve a lot of sushis. Variety looks limited.

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Added on September 3, 2011, 9:49 pmAmong the sushi outlets i've tried so far, Ithochu Sushi looks the best with lots of variety and creative sushi offerings.
I'm comparing among outlets like sushi tei and ichiban sushi, which are more expensive than sakae sushi, best not as expensive as the fine dining type jap restaurant recomended above earlier.
Any further recomendation for places with variety of fresh sushi?

This post has been edited by Aloong: Sep 3 2011, 09:50 PM

Any bus from Expo station to ur office? should have rite?
u can take mrt from pari ris / simei / bedok (cheaper area compared to eunos and further down to central)
Why u dun wan transit, SG is very convenient.
U can also think of taxi. To and fro shd be less than $20 (i think around $15), if u stay in simei/tampines/east side of bedok. Sumore its not CBD are, no ERP charges. Definitely waaayyy cheaper than car.

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Added on September 5, 2011, 12:16 pmwats ur chances so far? i so far 99% chances sardine with goreng pisang only

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Added on September 5, 2011, 12:25 pmbare in mind taking bus all the way from yishun is dam f*****n long. it will take around one hour. rmbr u have traffic jam.
so it's still etter to stay in bedok, tapines, pasir ris and do the mrt/bus transit.

This post has been edited by Aloong: Sep 5 2011, 12:25 PM

artistic movie??? scene in the mrt???
if only u can explain more.

ur broker doesn't send daily reports to u?
i got so many, so irritated (yet i dun wana unsubscribe) that I delete it everyday, without even seeing wat isit?
u can sign up for a UOBkayhian broking a/c. I heard cimbgkgoh oso not bad.
no investment required.

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Added on September 6, 2011, 3:49 pmsomehow the pictures remind me of very pretty beauty pagaent winners of Thailand "man"

This post has been edited by Aloong: Sep 6 2011, 03:49 PM

reit is not as stable as it sounds. fundamentally it may be stable, but an easy 10% drop in market price, will wallop your 2 year yield. the price of reit is more volatile than ppl theoretically thought reit shd be.

yes, singpost is one good dividend play with more stable price. its price does not move as volatile as reit.