ya... think so too... start reading from behind bring more questions ........... haha.
by the end of reading I will post my question if still any...

High meh? Money changer also charge 2.53 or more leh...
lol!
well, the rate fluctuates...
can discuss further if change a lot. PM me.

Just wonder, Malaysian working in Singapore, does the overall working environment make a Malaysian feel like 2nd class worker, similar to those foreign worker/labour in malaysia? something like not respecting, refusal to obey etc etc...

nope ...depends on the company ....

Saw some post about insurance a few pages back, malas to quote... here is my experience and so far is adequate for me at the moment.

1. Local MY insurance (some can be claimed in SG - via conversion RM-SGD for hospitalization) - ask you agent
2. My insurance policy can cover SG as well with an extra premium - again ask your agent

What I am currently doing (non PR without and Medi save shield thingy).

1. My local insurance policy (life, medical, etc..), I didn't pay the extra premium for SG. So for my policy to be in effect, I cannot exceed 3 months away from Malaysia. If you go back every so often, this should not be an issue and you can continue with your policy OR add more coverage from your earned SGD

2. I bought travel insurance - also the condition of not more than 3 months away from Malaysia as well.

My first policy basically is my investment,life, medical,etc policy (usual vanilla policy) I bought around 9+ years ago, which I still continue to pay the premium. I didn't load the SG part since I go back once in a couple of month, or if needed just go to JB (keep the ticket as proof, etc).

The second, travel insurance, which can be used to claim for GP, lost luggage, flight delay, etc in the foreign country. Mine cost around RM 400+ a year [renew yearly] (covers almost all countries except Nepal, and some other war torn countries which you will never go). With this I do not need to even buy the insurance being shoved down by airline companies

As usual ask your agent what is covered, tnc.

So basically if there is hospitalization, etc, I will use the company insurance first, if that exceeds, go onto the travel insurance and lastly the personal MY insurance. If you still survive after killing off 2 insurance limit, I think you can manage to cross the causeway to JB to claim your local insurance hospitalization

*There is a max medical (GP claim) per claim in the place I work in, I managed to exceed once, so the extra I claim over on the travel insurance.

yeaps... should apply after the 1st year.. since it is free.. all u need is to waste some time to go submit your doc

i brought $200+ only... got caught at 2nd link for unopened ciggi that time didnt know... kena $200 fine, and my bus left... since i was stuck, i took cab to my aunt's house at bishan all the way from 2nd link customs.. and i had to ask my auntie to pay for my cab my 1st day in sg for job.. so sad so grateful to my auntie as she loaned me $$$ for 3 months

I know the application is free, just need to value every concern afterward. CPF contribution, take home pay. 5% might not be alot for some of you, but it is alot for me, trying to project my financial for the next few year. Since i already 1 years++ here, must have saving if not i am fail working here.

This post has been edited by yhoong12: Apr 22 2013, 05:19 PM

yea.. actually considering pr benefits cut so much, if you dont plan to stay long term but want it for job stability, better think twice..

PR still have the most attractive benefits :- more job option...haha

Hi all i have just been offered a job in SG for 3k SGD, seeing that the location of my office would be around Bedok i think that having living around Payar lebar would be the best as it runs both yellow and green line.

Any thought on that general location? I'm honestly hoping to get a place with no owners and that they allow cooking. Looking at the 600 - 1k price range i dont mind paying abit more for comfort.

Are SG landlord very hard to handle? I've read other forums where they have nightmare cases with the local landlords.

I've also look through listings from all the link on the first page, how much is the agent fee/com normally its never stated on the ad. What the general consensus on negotiating rental prices?

Any thoughts on the matter would be great

Mine was 0.5 years. But i decided not to apply after all.

All elites will get the letter sooner or later. Anyone else here other than David Mackiddo got it?

Normally you only need to take out SGD using your MY debit card, for emergency purposes. For SGD back to MYR, its easier to just use Remittance fee of $10, or use Maybank Regionlink fee $15 with slightly lesser exchange rate. Or if you travel back often then just carry cash back its only a few hundred.


Yes but you normally need to give a call to your MY bank to inform then to activate the withdrawal service. Otherwise your card will be rejected. Its ok if you are tight of money can borrow from me first. Interest rate can be negotiated unlike Jisthiong.

Its unlikely to get a place that allows cooking. Your price range should be able to get a decent room but rental at 33% of your salary you might want to ponder whether its worth it compared to your current job. Yes there are nightmare as well as good cases. Normally I guess you will find in between. Good luck to you bro. Normally fees are either fully paid by you or shared between you and the landlord.

the funny thing in sg is that whole apartment cost more than renting a room only.
at KL rent a room will be more expensive than renting whole unit and divide the rental among 3-4 people depending on the number of the room.

This post has been edited by ilineZ: Apr 22 2013, 08:46 PM

Cos landlords here are screwed up?

If you work in Bedok, stay around Bedok, its a residential area with a lot of flats and people. Don't see any HDB flat near to Payar Lebar MRT. 33% of your pay for rented accommodation alone... You decide yourself whether worth it or not.

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.

this is so true.
compare to other country, i feel that sg elderly is the most pathetic.
look at how they work, do cleaning, kopi kia, mcdonalds.
they doesnt seem enjoy their work.
the are not 'aging graciously'.

When i go other country, for e.g in china, the old people go park in the morning, do taichi n dance, then go market talk2 with seller, go home cooking, slep, go back park play mahjong, sing and dance together till evening, go back home watch tv with big family.
looking at them i so envy, feel want to retire asap.

but when i see old people in sg. alamak! i will buy anti-aging pill and pause my age.

at least they can choose to work. Do you have such a choice in Malaysia ? How do you know they didn't enjoy their work and you think all younger ppl enjoy their work now ?

This post has been edited by Mackiddo: Apr 22 2013, 09:49 PM

Let me know when you're 80 years old. I will book a flight come down to your workplace have a drink with you.

Guys can recommend a good website for rooms to rent???

sure, if you still manage to get down from the tree