Don't become a PR if the company pays you in cash whatever CPF they would have paid if you were a PR.

Become a PR if the company doesn't contribute CPF unless you're PR.

Extra money is extra money even if you can't touch it until you're 55. Actually getting it in cash doesn't mean that you will (best case) invest it at a better return than CPF can, and (worst case) you could simply blow the money on something useless.

Why are you dyslexic when it comes to English all of a sudden?

It was entertaining the first time or two. Now, it's just irritating.

You need to factor in the relative risk, local inflation & interest rate and also the relative long term exchange rate differentials (vs each other and vs a benchmark currency that represents like the USD).

Only if you're confident that the AUD will not depreciate against the SGD over the term of the deposit.

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Added on August 19, 2011, 8:49 pmPut your money into the 2 currencies according to how you will split your spending into RM and SGD.

Or you can take a position... ie. you believe that SGD will appreciate vs RM, then save in SGD. If you believe RM will appreciate vs SGD, then save in RM.

Me... I believe Malaysia is a failed country, and either BN or Malaysia will blow up sooner or later ... possibly both if the majority of Malays cannot accept the fact that bumiputra status means nothing if Petronas doesn't discover oil faster than the growth rate of Malay population and/or faster than the rate of decline of their already dismal productivity and creativity. So, I'll keep the majority of my savings in SGD and SG property. There's a reason why Singapore is (iirc) only second to Switzerland in terms of where the rich park their money.


This post has been edited by seantang: Aug 19 2011, 08:49 PM

I will vote for Tan Jee Say. You already have a parliament with 97% PAP, 100% PAP cabinet and an admin service (ie. civil service elite) with 100% PAP cadres. I won't pay $4.3 million for a former PAP DPM to be President. If that's the case, might as well abolish the presidency and appoint Tony Tan as honorary DPM. That would be cheaper. There's absolutely no check and balance.

I actually think Tan Jee Say will push a more populist agenda, and advocate the current sentiments of the Singaporean public. He will be anti immigration, foreign talent (more so than the other candidates) and pro-spending (ie. use of govt reserves for social and medical welfare).

If it's only 3-5 years, then you'd probably don't want your $50K or so stuck in Cpf for another 30 years before you can get it back.

But of your time frame is only 3-5, would you even be changing jobs?

I just skip his posts, to be frank.

Look, if you're worried your profile is not strong enough for an EP renewal, it's not going to be strong enough for a PR, isn't it?

The upcoming Suzuki Swift Sport would be nice. I also quite like the Kia Coupe within that price range. Add another 20-30K, I'd go for any model with the VW 1.4 twincharger and DSG gearbox.

Don't see how that's possible. The COE alone is 50K.

Unless you get the 2L Jetta which isn't very common, the chip will have up the turbo boost of the 1.4 or 1.6 way above the standard GTi to come up with the same power output. However, the intercooler, radiator, oil cooler, water pump and oil pump are too small, plus the fact that the turbine is smaller so it'll be heating plenty fast at such high boost ratios. The block, cylinder head are also not made for that abnormal above-GTi boost level. Then comes the gearbox and the brakes.

In a nutshell... chip ups need to be done properly by upgrading everything else. And by the time you do it properly, you could have paid for the higher model already.

HP Singapore doesn't seem to have reduced its prices though. Still S$599 for 16gb.

Like you said, the supercharger is disconnected by the clutch at a fairly low rpm. From that rpm on, the turbine provides the boost. When it is at full boost, which is often because the engine is small, the turbine is small and the power output required is large - the turbine is run at the limits (I believe beyond) of it's efficiency. I reckon the oil coolant will heat up too much for the stock oil cooler and radiator to handle and the compressed intake air will be heated too much for the stock intercooler to handle.

That's not true. Have a read of the VW forums. It's well known why the 6 speed wet clutch DSG is used for the GTI, R etc, but the 7 speed dry clutch DSG is limited to the lower torque models.

But can the stock hoses, stock seals etc take it? Are you sure the stock iron rotors can handle the heat of ceramic pads without warping?

1. Small engine + small turbine + high boost to create high peak power ensures that you will be on boost practically all the time. Question for you... have you ever driven a turbo car longer than 5 minutes? Unless you're off throttle most of the time, your boost will ALWAYS be kicking in. In fact, all the time. And if you drive "at speed" like on the NS Hwy, you'll be on full boost for extended periods.

2. I'm sorry, from this statement alone, I think you have absolutely no idea how to modify a turbo car and are just regurgitating whatever you've heard/read.

This post has been edited by seantang: Aug 23 2011, 12:12 AM

In Singapore, there's really no need to modify your car. If you want more power, just buy the higher model. For instance, the Evo X is only about 50-60% more than a standard Lancer. In Malaysia, it's triple the price. It's just the way the taxes work.

Actually different rooms in my flat will have different signal strength. I'm on Singtel for mobile BB, and Starhub for iPhone plan. Same issue with both, in terms of different rooms.

You don't have to "run" to enjoy driving a powerful car.

Going 0->110->0kmh in an Altis and in an Evo is a very different experience. It's not about top speed. It's about the way you get to the speed you want and back. The feel, responsiveness, acceleration, braking, grip, the sound etc... it's just different. I used to go on biz trips for a week or two, and the moment I reach home from the airport, I'd put down my bags, jump into the car and go for a drive.

My guess is that you've never felt that before. Then you will never understand.

This post has been edited by seantang: Aug 23 2011, 02:36 PM

Buy 300-400hp car, drive at 90kmh. Oh well... it's not unlike buying an expensive DSLR+lens and take bad pictures of ugly gfs, leaves and cobwebs.

I like the Legacy. A bit heavy for my taste, but 4WD and boxer

If it is a dispute (breach of contract), see a lawyer. You will need to take this to court. Not sure if arbitration or mediation or consumer claims tribunal etc are applicable though.

If it is a crime (cheating or fraud), then see the police. They will investigate and if there's a case, charge them in court.

All I can say is that:

1. There's always a reason for every kind of behaviour. That includes "shouting and scolding".

2. Anybody's who HIRED to be the CEO (ie. not open his own business to call himself President Director CEO), they were hired for a reason.

In the meantime while she gets her footing, try to avoid appearing to be too "sympathetic" or "cliquey" with those who were being shouted at and scolded. That will do you nothing but harm. Lay low, stay out of the way.

From efinancialcareers.com.

Singapore Financial Virtual Career Fair
September 30th - October 2nd

Are you interested in career opportunities in Singapore? The Singapore Financial Virtual Career Fair is an online career fair where local job seekers and employers can interact with each other in a live, 3-D virtual environment. Our virtual career fair provides the opportunity for:

• Live conversations between recruiters and candidates via instant chat and/or webcam.
• The uploading and submission of candidate resumes for various job listings.
• Interaction with fellow attendees in the Networking Lounge.
• Viewing of informational videos in the Auditorium.
• Integration with Facebook, Twitter & LinkedIn: search for connections and update your status within the event.

Leading employers will be available to give you the chance to learn more about the career development opportunities available in Singapore. You will be able to visit company booths, chat with HR representatives and line managers to learn more about working/living in Singapore from the people on the ground

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Added on August 25, 2011, 9:41 pmThere never were fixed goal posts in the first place. PR applications are approved on a case by case basis... always have been, always will be.

This post has been edited by seantang: Aug 25 2011, 09:42 PM