CPF can be obtain once u get your PR in SG la. Since you already have plans to settle down here. There is no nid to worry about CPF since eventually you will become a PR and will have your own CPF savings.

Regarding the fresh grad thingy, I am not even grad la, holding STPM only and working in a factory drawing $1.6k+OT. staying in JB also manage to get PR. you just need to know when is the time to apply and u can get it easily.

if you plan to buy a house in SG, you would definitely need the CPF. and employer is contributing 16% of your salary to your CPF account. so indirectly you are getting a 16% pay raise.
CPF can be use to pay your housing monthly installment in SG. Unlike Malaysia. Property interest is lower here as well.

for an example, you earn $3k per month, your Partner also $3k. The monthly amount that will go to your CPF account is $1080.

23% of your salary will go to your ordinary account which can be use to pay installment. Hence you will have $690. Your Partner also will have $690 in his CPF.

So if you buy a 400k HDB, monthly installment is around $1.6k for example. You only need to top up $220 monthly to pay for your housing installment.

Minus the amount you actually paying the rental now, You still save more money. So PR is a MUST if you really think of settling down.

Unless you are those type that want to save a chuck of $$ here then go back Msia do business, then you don't have to apply.

Regarding the other 2 accounts in CPF.

7% goes to Medisave which is for your medical expenses if you need it.

6% goes to your Special account for old age.

Hi guys... if i tested for hiv and syphilis in malaysia bp healthcare... can i straight work in sg "found a job" without undergo their medical check up?

Hi xtylish
honestly, u r thinking too much at this moment.
tis is ur first job and u r a fresh graduate, ur salary will not remain as this forever.
as u progress in ur career, u will get better pay.
that is the path that every fresh graduate has to been thru.
if u r making a comparison with ppl with few yrs of experience, then u r trying to make ur life difficult.
try to learn as much as possible now, that is wat matter now
tis is just my point of view...

personally i think medical insurance should be your top priority. The very least least a hospitalisation plan.

why must buy in Malaysia ?

very exceptional savings rate ...i must say

Generally it is 1/2 month fee for 1 year contract, 1 month fee for 2 year contract.

If your office is around Bedok, stay in Bedok. There's two supermarkets, multiple food courts, shopping areas, a small mall full of restaurants, basically you won't need to go anywhere else during the weekdays.

True, fully agreed. Starbucks price really exorbitantly       . Only go once a year when i got my year end bonus and just to have the 'feel'. Nothing special also.
OCBC also quite ok. Quite a number of ATMs. You could also get POSB together with your OCBC. Then do online transfer OCBC --> POSB.
deodorant masuk. Highest pay Malaysian banker in Sg.

So no need to look so much at share price, just makan dividends for gambling and beer stocks?
I'm on Canon, 60d and 500d (backup), ef-s 17-55mm and ef-s 10-22mm primarily.

@hokin
@Yhoong
@Sean

Thanks for the insights guys, i'm a cooking kinda guy as when i lived in AUS i did alot of cooking it was just my way of life i don't think constant hawker food is healthy

I agree with the living like a foreign labor part, i'm coming here to SG for experience as well as to enjoy my life and coming home to a nice place at least is the bare minimum i need. So long as my room/toilet is clean i dont really mind the other area's of the place.

I've contacted a few agents fingers crossed i can get a condo at aljunid for 850.

I came up with a rough budget with my salary feed back would be great.

Rent/pub- $800-1k

Phone-$50

Transport -$60

food $20 p/day -$600 my thoughts here are i can eat fancy sometimes but just don't spend to much on other days to accommodate for the day i do spend a bit more on a meal out

leisure (activities/gym/shopping/etc):$400

Savings:$1k

Thoughts? I plan for it to be like that generally and adjust as i live and see how much i would spend

If 1997 crisis ever happen again then alot of suicide might happen again. You would never know.

Hi,
I'm graduating sooner and able start working on August. I'm still confuse that I should work at Penang Or start in construction field. Any idea or advice? Getting SGD 3k compare to MYR 3K is really make me headache. 

it's like this big small eye de lo... who ask us go to sg bcome 'bangla'

i guess i can feel u. actually i'm 4yrs older than my coursemates last time during college year. So those who are same age with me, they have 4yrs working exp more than me... So, what? as long as i myself never stand on the same ground but keep moving forward, i believe i can be better than them. 

no worry girl, i had the same experience. I knew some1 who has a form5 qualification has higher salary than me. So?

But i know as long as i keep going, i'm sure i have a better career path compare to that guy. 

girl, 1 thing i learnt and i always remind myself, 知足常乐

the jealousy can be the motivation that move us further 

u have to believe that as long as u keep moving forward, u will be better than others. This is what keep me going.

At 1st i'm so paiseh that I'm elder than my coursemates 4yrs during my college time. But i never give up. That's y i continue studied and completed my degree. My life is way better than the time i am only holding a stpm certificate.