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 Working in Singapore V13, COE $61,029

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LiangZhuge
post Apr 7 2013, 08:34 PM

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QUOTE(alaskanbunny @ Apr 6 2013, 01:22 PM)
errr, i think certain work pass or pr can bring family member over... those ppl that comes over will hold dependant pass lor
yea man... my boss was lying... i was washing dishes at that time, so i ask him how come my pay so low (that time earning 1.5k even with ot).. he kept quiet
i disagree with your statement... but wont elaborate further
got eat siham?  brows.gif  or taiwan sosej?  icon_idea.gif  those very nice...
actually IPA before u come over... so enter with IPA and white card... no?
it is ok, with IPA u should be able to work..
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Any you are encouraging people to join a known lying organization? shocking.gif ..... whistling.gif
LiangZhuge
post Apr 7 2013, 08:35 PM

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QUOTE(jitshiong @ Apr 7 2013, 08:30 AM)
On Average, Singapore food cannot beat Malaysian food....
but there are some good ones.
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They tend to put MSG on the light side ... so it taste a bit bland to our tastebuds.
LiangZhuge
post Apr 7 2013, 10:52 PM

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The Singapore Hokkien mee quite nice albeit a bit different from my expectation of KL Hokkien mee. Famous one in Whampoa makan place.
LiangZhuge
post Apr 8 2013, 04:37 PM

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QUOTE(xtylish @ Apr 8 2013, 12:06 AM)
user posted image

this?
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Yup. Veli nice, me gusta drool.gif
LiangZhuge
post Apr 10 2013, 12:46 PM

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QUOTE(crazy25kid @ Apr 10 2013, 12:20 PM)
true...but it may also mean a political sabotage
making all those buying flight tix to screw up the date.  laugh.gif  laugh.gif
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EC is going to make an announcement today. Wait lah, sabar... We will get our chance to vote for our beloved PM laugh.gif


Confirmed - 5.05.2013
http://thestar.com.my/news/story.asp?file=...5008&sec=nation

This post has been edited by LiangZhuge: Apr 10 2013, 12:49 PM
LiangZhuge
post Apr 10 2013, 03:38 PM

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QUOTE(ilineZ @ Apr 10 2013, 03:31 PM)
btw,where is the best shop (i.e: reliable no tipu2 n offer good price) to buy gadget (i.e laptop and prosumer camera)?
in general is SG with its GST can give better price than Msia?
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Buy and get someone (tourist status) to go back with it and claim back the GST biggrin.gif.
LiangZhuge
post Apr 12 2013, 07:15 PM

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QUOTE(seantang @ Apr 12 2013, 04:44 PM)
Ipoh Timur is a super safe opposition seat. Like Potong Pasir x100.

We have long given up all hope of ever getting a proper university to keep our youth from leaving us, fostering any sort of proper industries to being them back, and securing a safe environment for them to raise children and grow old in, if they do come back.

We will and we have suffered terribly, but we will not suffer being a BN seat! That's why Ipoh Timur has 300,000 voters voting one MP and one DUN, but some Malay kampung like Putrajaya has only 7,000.
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U know Potong Pasir now is held by SG gomen right ? sweat.gif

Potong Pasir uncle change seat during the last SG election and lost in the new seat, his former seat in Potong Pasir now also gone lioa .....
LiangZhuge
post Apr 13 2013, 12:37 AM

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user posted image
LiangZhuge
post Apr 16 2013, 03:14 PM

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QUOTE(Mackiddo @ Apr 16 2013, 03:05 PM)
Petrol Station Sénior Pump Attendant, Jurong Island station, reporting in  whistling.gif
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not Fuel Transfer Engineer ? biggrin.gif

Anyone here travels to Woodlands customs to cross to JB ? Wondering on the rush hours on Friday as I need to catch the train in JB sentral by 11:55PM. Leaving Singapore around 9PM (Kranji MRT) to JB Sentral can make it ? I don't want to get stuck during the rush hour 6PM++
LiangZhuge
post Apr 18 2013, 11:01 AM

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QUOTE(yhoong12 @ Apr 18 2013, 09:26 AM)
Izit wise to convert SG dollar to gold? i never buy gold before so i dont know. dont scold me... icon_question.gif
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Invest in SG blue chip stocks lah.
Buy gold you need place to keep, later kena curi. Or worst Geneva Gold case shocking.gif

Anyway just wondering what do you guys do with your savings in SG ? The FD rate here is doh.gif

1. thinking of buying some blue chip and get dividends but seems like foreigners need to have $5000 as deposit just to get a online trading account.
2. Become currency trader laugh.gif taking bags of money back... now RM is strong ... 2.457 compared to 4.478 a month ago
3. Don't think I can buy property here in SG
4. Don't think I can buy property in KL either....
others ?
LiangZhuge
post Apr 18 2013, 11:13 AM

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QUOTE(deodorant @ Apr 18 2013, 11:05 AM)
Why not? hmm.gif You can buy property in Malaysia using your SG payslip for the loan application mah. Unless you are worried about the cannot own private property if you own HDB rule.
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the cheapest private in SG is around $600K++. Can't qualify for HDB as I am not a PR, even if I am a PR, not a family unit.

the teres house in Puchong also now going for RM 700K++, how to buy ?
LiangZhuge
post Apr 18 2013, 05:24 PM

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QUOTE(seantang @ Apr 18 2013, 04:47 PM)
Renting is not entirely a bad thing if you are able to secure a cheap rental.

But if you're paying market rental... then I'd say just go ahead and buy. Your rental would be the same or more than your monthly instalment. If you're a first time house buyer, not much issue. Still can get 80% loan and low ABSD for PR. If you're not PR, forget it unless you get off buta-buta paying ABSD / tax.

If you're paying the maximum CPF every month (ie. your salary more than $5K), you should have quite a tidy sum in your CPF Ordinary Account after being in Singapore for 5-6 years (at least 100K). 100% of that can go straight to your downpayment. Basically when I bought a property last year, I only used cash for 5% of the downpayment which you must pay cash and the stamp duty (which you can use CPF but normally CPF approval will only come after the deadline to pay SD). The remaining 15% downpayment came from my CPF. And right now, since I have not fully drawn down the loan (the property has not TOP yet), I'm using CPF to pay 100% of my monthly instalment. Even after TOP, CPF will pay a large part of the instalment. The rest of the instalment should be funded in total by the rental that you no longer need to pay.

Then vs your current situation - you end up with no change in cashflow, you have a place to stay, but you're now sitting on a property waiting for capital appreciation (in partial exchange for a drop in bank and CPF balance lah).
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Didn't know you can use 100% of CPF for the downpayment. Don't they have something similar to akaun 1 and 2 like in Malaysia (ie you can only take from akaun 2, cannot touch akaun 1) ? - medisafe, medisheild ... very confusing
LiangZhuge
post Apr 22 2013, 04:19 PM

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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 smile.gif

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 smile.gif (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 smile.gif

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 tongue.gif

*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.
LiangZhuge
post Apr 24 2013, 02:03 PM

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[quote=deodorant,Apr 24 2013, 08:40 AM]
Hmm so Maxis, M1 ... and wait for the next recession in a few year's time? biggrin.gif
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[/quote]


[quote=seantang,Apr 24 2013, 11:18 AM]
please explain.[/quote]I was actually waiting for people to jump down from buildings in 2008. Because that would be the signal to enter the property market (or whichever market you were eyeing). Sadly, nobody did and the fire sale did not materialise.
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[/quote]

Soon rclxms.gif
LiangZhuge
post May 3 2013, 12:57 PM

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QUOTE(xwen90 @ May 3 2013, 11:54 AM)
bt its kinda imposible for fresh to enter MNCs? its a question.....
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You never try, you will always be wondering smile.gif. Sometime luck plays a small part as well.

On another note, me thinks @xtylish company a bit "kiam siap" biggrin.gif
LiangZhuge
post May 10 2013, 03:24 PM

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QUOTE(jitshiong @ May 10 2013, 11:16 AM)
Cannot la...still need to send all my money back to Malaysia.
Yup, tonight onz!!!
Mammoth gathering.

Eh, need permit bo? shocking.gif
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Frog porridge where ? Chinatown one a ?
what time ?
LiangZhuge
post May 21 2013, 11:11 AM

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QUOTE(megadisc @ May 21 2013, 01:34 AM)
yeah ..so sad...
nope ..since this is my 1+ month no job ..aisay ...

so exchange rate is dropping ...

what gives ?
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If it keeps going down, time to go back already.

Anyway, I also notice KLSE is going up and up, someone frying rice on the Malaysian economy ? brows.gif
LiangZhuge
post May 21 2013, 12:02 PM

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QUOTE(keii-kun @ May 21 2013, 11:59 AM)

metatron
some already PR, some applied, some haven't , some din even bothered to be PR.

my point of view of applying PR yet :
not much benefits anymore, even you are married and have children. just for the extra CPF contribution from co, which can only use for education or buying HDB. u take home pay lesser also.
* no more free casino entry biggrin.gif
LiangZhuge
post May 22 2013, 02:44 PM

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QUOTE(ThanatosSwiftfire @ May 22 2013, 02:27 PM)
Eh. We got the survey request as EP holders leh... wasn't PR or anything..
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I also got the survey thing and I am only an EP holder. The letter says if you finish the survey they sent you a limited edition EasyLink card FOC. Until now I wait also haven't seen it after finishing the survey online. sad.gif

Maybe because I answer no if you intend to take up PR, etc.... smile.gif
LiangZhuge
post May 22 2013, 03:03 PM

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QUOTE(hokin @ May 22 2013, 02:57 PM)
Same here; I (EP holder) have been asked to do 2 surveys this year. Me too, EZLink card still not in sight. I think we will get it......do not think they will 'risk' upsetting potential PRs or citizens! biggrin.gif and it was stated in an official letter from a governmental unit.
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maybe for my case I already say not interested to become PR .. so they save 1 EZlink card. 1 EZlink card $3, can save a lot ooooo biggrin.gif

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