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.

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.

I personally would get headphones since i love to crank up my music and staying in an enclosed space like singapore, it would be an annoyance to your neighbors,not to mention of housemates.

What type of headphone are you looking into, earpad headphones, in-ear headphones, over the ear headphones etc.

Since your an audiophile, i would recommend the Sennheiser's HD 800.

There's a store in ION orchard which is dedicated solely to headphones, you could enquire and ask the store staff on recommendation of headphones which suite your preference.

^ audiophile 
http://www.stereo.com.sg/store/index.php
http://forums.hardwarezone.com.sg/headphones-earphones-314/

@shinichi go to jaben at adelphi (coleman street near city hall mrt). it's a small shop, the uncle is super friendly, you can sit and try like all types of headphones til you find a pair that you like, they don't pressure you to buy at all one.

http://www.jaben.net/

Senheiser at atp b got staff discount.