Public gym is ok but damn pack inside.
U mean 160+ for fitness first per mnth? Quite expensive lo

if it's not, then surely it'll be packed like public gym ?

my financial planner says, sgd 20k in savings... the rest split, 20% investment insurance, 30% FD, 20% stocks, 30% funds

reality: all in fd    cause not enuf $$$... lol

Generall decision between MY or SG would depend where u intend to use your money in the future?
Are u goin to be for next 5 or 10 years? are u goin to buy property here? or are u goin to buy big property in Msia?

Unless u know between SGD or MYR which one will go up? i would think both have chances of goin up against each other. 

Reason for SGD to go up -> interest rate very low, there's no other way than goin up. Int rate up, currency up.
Reason for MYR to  go up -> a lot of infrastructure projects potential and they are oppening up to attract more FDIs. More FDI, more MYR demand, MYR go up.
Reason for MYR go up -> It is closely benchmarked to USD. USD go up, MYR go up. WHy USD go up? Cos it is a safe haven currency for western investor demanding treasury bonds, as opposed to EURO, GBP and arguably the other carry trade fav, Yen. Further, US economy looks more positive recently.
Reasons for MYR to go down -> gomen sucks, and will deter FDIs from pouring in.
the list will never end...

In terms of specifically what area to invest in MY or SG, I asked this before, but was suggested to open a new post under the Investment thread.
If u dun mind you can do the honour.

Actually do you guys sign up to any gyms in Singapore? What are the examples of gyms available and the pricing?

Public gym is ok but damn pack inside.
U mean 160+ for fitness first per mnth? Quite expensive lo

Woah 160+ is quite expensive. Does it usually comes in all-club access and is there a lot of Fitness First in the first place?

And btw where are the public gym usually located? Nearby HDBs?

What is the best way to transfer $$$ (above RM10k) from MY to SG?
Anyone tried maybank2u.com and is the exchange rate good?

other people in this tered have earlier suggested raffles money changer but i never try before so no personal comment. i know seantang uses m2u transfer a lot so you can probably PM him to ask about rates & charges.

Guys, listen.

If you continue making racist posts here, your account willl be suspended. Unsubstantiated sweeping generalizations against any race, including the Malays, is racist. Despite what your "gut feeling" is.

So please, quit it. You're making yourself look ignorant.

I have removed all posts concerning that discussion but for educational reasons these are what I was referring to:

Guys, listen.

If you continue making racist posts here, your account willl be suspended. Unsubstantiated sweeping generalizations against any race, including the Malays, is racist. Despite what your "gut feeling" is.

So please, quit it. You're making yourself look ignorant.

I have removed all posts concerning that discussion but for educational reasons these are what I was referring to:

As moderator that is your perogative.

But as to the quote of my particular post, it is not a gut feeling. It is an acknowledged position from EVERY UMNO general assembly, op pieces in every newspaper (vernacular ones in particular) and it is a fact of life. Do you not keep up with current events or choose to ignore it? I'm afraid you have made yourself just as partisan as you tried to make me sound, and more ignorant than most.

By writing this, I am not protesting a forum's moderator's action to keep off-topic posts out of this thread, but am responding to being called ignorant by an ignoramus. If you want to moderate, do so by all means. But do not add your own 2 bits unless you are open to a retort.

I stand by what I say, but I apologize if you feel slighted. Thank you for trying to guide me, but I do not consider myself ignorant if I opt to judge people as individuals instead of as a racial collective. For what it's worth, I do agree with other points made in your removed posts - except for that one paragraph I quoted.

Thank you. And my apologies as well for the name calling.

And it is a difficult path you have chosen, given you live in the only secular country in the world with an "official religion" to which all other religions are legally and operationally subservient, and one of the very,very few left where all public life and liberty is defined by race... which by the way, Malaysia is the only country in the world that has a definition for a certain race in the constitution. In short, we live in the country where the 'racial collective' is the most important thing in the world to it.

other people in this tered have earlier suggested raffles money changer but i never try before so no personal comment. i know seantang uses m2u transfer a lot so you can probably PM him to ask about rates & charges.

Thanks but I am referring to funds transfer from MY to SG
Mr Seantang, kindly share if you happen to read this post otherwise I will PM you shortly.

I must say I am in agreement with you for every contents you made in your post. We need to face the reality and the fact of life.

Keep it up, bro.