in msia u gotta protect urself n family n belongings... crime rate increasing day by day..

Hello all sifu,
My employment pass application submitted is approved in principal.
I got the ep approval letter.

What do I have to do next?
I know i have to do medical checkup, and company dont have any panel doctor, so i can just go to any clinic and request for medical checkup for EP?

I do the medical checkup after i collect the EP or before?
and what about the short term travel pass ? I have to apply that?

Would appreciate it if someone can guide be on what to do or need to be done after the EP is approved.

Thank you.

Why? The objective is to lower the HDB selling price and the rental right?

It should be a good news for  first  self stay HDB purchase but bad news for speculator. 

It's 20% downpayment (can wipe out all your ordinary account in CPF for this)
+ COV (10-40k)
+ ABSD (5%?)
+ Lawyer fees, miscellaneous fees, etc etc.

Guys.. I'm sorry if this question were asked alot of times and if your guys thinked that I didn't do any homework by myself (actually I always follow this thread and jot down some important facts).
I hope that the seniors can help me by giving some valuable feedback.
Anyway here is my question:

1) I will be arriving in Singapore next month. My flight is scheduled to arrived in evening. Hence I need to find affordable accomodation which near with Jurong area. Anyone can help me to recommend cheap and comfortable hotel? I don't care if it is a backpackers or budget hotel since I will be staying for one night only. If possible please state the budget one shud expected to prepared for the accomodation.
2) Is it wise to change all the money to SGD before arriving at Singapore? Will I have some advantage if I exchange some of them in Malaysia and then leave the rest of it to be exchange in Singapore?
3) I will be totally cut off from the world outside since I will not have any Internet line or phone line at least one month (I planned to sign for Singtel maybe after I have my first month salary). I'm wondering is there any temporary Internet line sold at Singapore (something like prepaid sim card) so that I can keep in touch with my family? I know there is alot of cyber cafe in Singapore but i prefer to surf at home. FYI i am using ipad for the surfing purpose.

Thanks for reading my post. Hope to get some feedback soon. Cheers.

My points for housing in SG:
1) Start young when you still can take hardship and have lower expectation.

2) Rental is a big killer if you are paying it.

3) when you earn more, you will have the option of selling your small unit (which has better yield in market price) to buy a bigger unit.

4) Unless you are high earner, if you are PR and you dont use the CPF for HDB, you are not taking the advantage you have. factoring your monthly rental, the 4% CPF rate and the current market price on your HDB.

I didn't mislead anyone.

I am not sure about you. I came to SG due to the "PUSH" factor.

Is it any better to work in MY?
We can still live moderaly with financial freedom when we move back. I don't see a better chance of doing so for current fresh grad in MY.

5%? take short term loan from relative and pay them monthly installment with interest slighly higher than their FD.

Some credit card now offer you low % credit loan for 6 months before higher rate kick in. You can take it at your own risk.

Just dont try your luck in sentosa.

Since you were renting from the main tenant, then the main tenant effectively IS your landlord. So this argument here is a little odd. Personally while I can understand that you wanna be difficult to get back at them for whatever perceived injustices they've done to you in the past, I don't see the point in getting so worked up about it when you've already moved out.

Hey guys,

I want to ask, im very noob at this. I received an offer to be working in sg with the salary SGD 5k, but im not sure whether it is good move from KL to SG, can i travel back to jhr everyday?  If i earn sgd5k, will they deduct anything And how much is the balance after deduct?

Apologize if my query is confusing.

I see. Thanks for the opinion,

The office is in harbourfront, is it possible to travel back jhr everyday? How long the is the travel time from harbourfront to jb?

I opened a DBS account no need initial deposit to open the account. But there is a $2 charge for each month if balance (can't remember if it's average or month-end balance. probably the former) drops below $1000.

Saving to buy own unit/condo will take half to a decade now and not “first few years”. I wonder how much have your plans been changed since stepping your foot on this red dot. The game plan is considerably different when you’ve children, and especially true if they have started their early childhood education in SG. You may not have the luxury to “retire” in dreamland given the circumstances that your children may feel isolated. The isolation factor grows as they grow. On the other hand, you may not want your children to follow the same education that you’ve experienced. Chicken and egg.

Which education is better? MY or SG? i not sure about SG, but i pretty sure that MY education still better when i was young, because i mastered 3 language, chinese, english and malay. now i also not sure if i have kids, where do i intend to let them start childhood education.

I assume that you want to remain as PR and retire comfortably in MY.

question is, would you like your children to be a SG citizen?

The only things that I would talk bad about Singaporean is that they take things for granted and other attitude that comes after it.

Anything else they're still well above average within Asia.

I hope I can get!... But, that's not under my control... As u said, the 3k and above salary requested by freshgraduated should be those graduands from Singapore University. Others countries degrees seems like low paid.. I've 2 case to share with you.
1. My friend hold Master of Engineering and Bachelor Degree of Engineering from UK! He got 2 years plus experiences in engineering field at KL. He got an offer as engineer from MNC in SG!... His salary is below 3K SGD with EP!... He feels happy with the offered coz the engineering job that he worked in KL is much more low piad in MYR compared to his current job in SG!... He is working in SG 2year alerady!...
2. Another friend hold bachelor degree from public university M'sia with 10 years experiences at KL (5 years relevant experiences to the job she applied and another 5 years from others industries)! She only got below 2K SGD job offered in SG!...  She rejected the offer and continue to work in KL!...

Is that all the Oils and Gas jobs in SG is very high pay, high bonuses and good remunerations packages?
Oh... I worked in Banking before!... I dislike the job!... I found out General banking experiences is only applicable to jump within the same banking line! Because banking skills really cannot apply to others jobs! Unless, yours from investment banking/ forex/ financial consultant/ banking sales jobs! That's why I jump out from banking and do not want to apply banking job anymore!...

S$2500++ will fully pay the monthly instalment for a 30 year $800K bank loan... meaning that you have purchased a $1 million property with 20% downpayment... (ok, ok maths a little different now with the cooling measures but for first timer, you're more or less there... give or take ~5%).

Might as well put that 2.5K towards an instalment rather than rental. If you need to leave Singapore before the 30 year loan expires, AND you don't want to keep the property for rental... you can sell it to get the capital gain.

They are my trusted friends. That's truth... As both of them wanted to work in sg and they find sg jobs quite long time edi... That's the fact, Master of Engineer from UK also got low paid!... haha... U also know they will only offer 1.6K- 1.8K SGD to M'sian dont care of you're Overseas/ Public / Private University freshgraduated in M'sia? That's very truth!

For 2nd scenario, Maybe, she feel like get bully by the employer with the cheap paid! That's why she didn't accept the offer and continue to work in KL!... Is that their offer the salary to M'sian without SG working experiences is after convert to MYR? For example, they offer you 2K SGD X 2.40 (Exchange rate)= 4800 MYR!... And, they don't think of you can get 4.8K in KL!...

Maybe, it is because of their 1st job offer in sg! And, they don't really know what is the "Reasonable salaries" should get in SG!... That's truth... Quite many M'sian are bottom feeders but not all lah!... So, what is ur salary range in SG?

So, why they returned back to work in M'sia? What jobs they are current working in M'sia?

How do you know they didn't do well for their interviews? As u said, all companies try to offer you a lower pay!... I think you also know the reason right? The salary report is based on the research. They are selected sampling to study and not include all population!... And, the salary report that you mentioned is based on the position for all singaporean and foreigners!... Of course, they have gone through the salary report and they don't think that's accurate information!... I'm not doing exact the same thing like them. Now, I prefer to know the real life experiences from yours...