hi...my wife and i are also from penang
when both of us first came...we did not have a baby yet.
since she got a job first, she moved over first and 6 months later i (finally) got a job also and here we are.

nursery...will be a bit of a hassle especially if your kid is < 18 months.
< 18 months is considered infant care and specialized...and infant care here has a ridiculously long waiting list (some parents put in the name before the wife is even pregnant)
still waiting to see if my baby can be enrolled in infant care.
if it is over 18 months, it will be slightly easier but still..there is a waiting list but more centers will be available

nanny, well...this will require a lot of homework.
first u need to find 1, either through agents or ads or word of mouth.
then u go visit the nanny's place and probably do an interview to see if the both of you are agreeable on terms
my version of nanny is babysitter.

rooms are basically not that practical for with kids.
cause it may create a nuisance for other tenants.
however, if ur kid is easily pacified, room is still considerable...but personally, i would recommend a whole unit.

sg is not economical for raising kids and looking of the elderly.
my suggestion would be for one of u to come over first and settle down and stabilize first if u wish to come over
then after stabilizing, the other move over with the baby and find a place to look after the baby...then start looking for work...and pray for luck.
alternative would be to stay in johor...but being a penangnite, i know ur concerns abt staying in johor.

This post has been edited by crazy25kid: Sep 13 2013, 10:14 AM

others cannot answer this question for u
we are not you...we do not know your spending habits
u need to find out the market for your job...estimate whether you are rightfully paid, overpaid or underpaid
then figure out whether it is enough for your lifestyle

appreciate your input on the house buying...but still, your example is seriously ridiculous.
you say that when foreigner (us) come at first, we cannot buy HDB as we are not PR straight away
true...then how do you even expect one to have CPF for the initial payment or afford payment for installments using CPF?
most will be unable afford the initial 30% payment required...most of us are already having problems with initial payment for HDB and you come suggesting a 1.6m condo?
and the car...as all have mentioned, is an even more absurd example.
maybe your true intent is to help...but it kinda feels like you trying to show off
seriously your examples are just plain trolling pretty much like the over sensitive long eared animal.

infant care (2-18 months) is dbl of childcare.
that is my biggest headache now.

i agree with property price it will easily go over 1mil for private but to go all the way to 1.6...like u said is over
even for people in their 30s and 40s who have savings...can u imagine all your savings being divided by 2.5 (since a lot of ppl here are saying u are 2nd gen so i dun think u have this experience where your life savings get divided 2.5)
for a normal 1mil private property, with abt 30% for initial payment would be 300k...if u were to bring your savings in RM over
with that amt of money in their savings...ppl may be more reclined to stay in the comfort zone in my opinion.

well, with your group of PR, yes, they will be forcedreclined to go for private unless they wait (group 1 and 2) or do not declare (group 3)
currently stuck in group 2 but no money for private either.

the main point for flak u get is as wat rexona said...
numbers sure make a lot more sense when deciding instead of plucking from the air, but it would be better if the numbers were, say in the more realistic range instead of the higher end (car example...LOL).
and with the numbers being thrown around here abt their pay and spending...i would say that one is complete idiot if u fully trust those trolls and a**es
i certainly do not think giving out ridiculous numbers to cover up is human nature either...especially in a place where some are looking for guidance and information

I am sorry if I offended you...as i really did not mean to.
i lol-ed that much at the car just because it is more towards higher end option and your example like i said was deemed to target the average ppl, that is all...nothing else
well, what u said abt the car not being in my reach is painfully true...so maybe that is why i am a bit psycho (usually already psycho) and keep lol-ing (consciously or unconsciously).
hopefully one day i can get a car that my wife dream of then maybe if the situation gets even better, my dream car on top of that.
i still in learning the ways to improve...so please forgive my naivety

for the 2nd gen comment...it guess it did not come out the way i wanted it to be (i suck in expressing myself).
what i meant in 2nd gen was parents came over first and you were brought up here..not the cantonese version of 2nd gen (i just thought of this n i suppose that is why u got so pissed off ). for this, i apologize, i am not cantonese...anyone who worked hard and got labelled that definitely have the right to be pissed.
i nvr said the money you forked out for the house and car is not yours
i am just saying for cases of normal average ppl especially those who spent their time growing up and probably started working in m'sia first then move over here, we have a very painful experience of seeing our hard earn savings (in numbers) shrink by a lot because of the conversion (price to pay for migrating but if we decide to go back to retire, we will be laughing until our teeth drop).
housing wise...to be honest, i consider the pricing relatively the same in numbers to back home...just that the type is diff aka hdb here ~ m'sia apt/condo, private here ~ m'sia landed, landed here ~ erm...i duno what to compare
since ppl back in m'sia, slightly above avg income ppl can afford to buy landed...i am very sure u (way above average from how u express yourself) have the capability to do that without a doubt
furthermore, you have mentioned that your worked your butt off with your partner when u started working to come to your position now
so u definitely deserve whatever luxury u can afford now.
i seriously did not mean u leeching or anything...it is just that to be being a 2nd gen (my version...not the canto version) , it is very unlikely that u started working and saving back in m'sia so u do not have the experience of seeing the savings shrink (very painful experience ).

on having a better life or not...most part is based on whether you deserve it or not (u worked ur butt off for what u want or not)
then, there is a small part which is the situation you were borned into...we can't choose this, but we can choose to either stay in that situation and mope abt it or work harder to climb up.

fee increase for all infant care? or only ur center/branch?


haha...i guess we all have the same feeling of someone unknown roaming around our house.
so how did you overcome that? were u all paranoid at start?

iianm u need at least the IPA

you can always walk into some (i dun remember all) CC to get the password immediately.