Jul 19 2013, 12:06 AM
QUOTE(jitshiong @ Jul 18 2013, 09:17 AM)
deodorant, not everyone is as elite as tayhaithian. He's like the top 1%? How many fresh grad gets RM7K, not to even mention SGD 7k! 
although you're not into IT, we know you make a lot 
from songlap QUOTE(Fiona Chin @ Jul 18 2013, 02:28 PM)
Poor people don't have a lot of cash, really. 1% interest rate of 100 only 1 dollar per year. Most of my cash went into early pay off of my house loan here, better off. Left few months of expenditure in saving accounts for rainy days which I put in OCBC for convenience of withdrawing money and internet banking.
If you want liquidity from fix d, break the sum into smaller parts, then choose different maturity periods so that they mature at different time. If you got 50k, then 10k 24 months, 10k 18 months, 10k 12 months, 10k 6 months, 10k 3 months, so every quarter or what you got money to do whatever you want. It take some time and patient for this to work. Op for the monthly maturity one if you really have problem managing the cash flow. I have been doing this for few years for the down payment for the second house I and my fiance planning to buy. Recently we lump together all the money and make 3 3-month maturity so each month we got cash at hand for the down payment and rubbish fees. Fix d interest rate + flexibility
.
For emergency case, better buy insurance than saving it on your own.
in sg, with a low interest environment i believe should take your sweet time to pay your loan back while you take your cash to invest in something which offers higher yields.. If you want liquidity from fix d, break the sum into smaller parts, then choose different maturity periods so that they mature at different time. If you got 50k, then 10k 24 months, 10k 18 months, 10k 12 months, 10k 6 months, 10k 3 months, so every quarter or what you got money to do whatever you want. It take some time and patient for this to work. Op for the monthly maturity one if you really have problem managing the cash flow. I have been doing this for few years for the down payment for the second house I and my fiance planning to buy. Recently we lump together all the money and make 3 3-month maturity so each month we got cash at hand for the down payment and rubbish fees. Fix d interest rate + flexibility
.For emergency case, better buy insurance than saving it on your own.
no lor, for hsbc min is $25k as they are promoting their advance acct, so have to put one lump sum... so i mix between diff banks lor
yea... got insurance liao, investment savings/life, 32 critical etc etc, medical, ntuc income, ntuc membership.. yada yada.. all these pushers
QUOTE(Girl1991 @ Jul 18 2013, 10:39 PM)
Hi, I have gotten the IPA letter for my EP. However, my passport will expire on March 2014. Does it mean that the expiry date of my EP will only up to March 2014? can i renew the passport now? (the IPA letter has already registered with my current passport number)
congrats bro... welcome to the clubmsia's immigration will question you and might even reject your renewal.. i suggest you continue and renew later to avoid complications..
pm mackiddo or deodorant for VIP expat club membership... enjoy cash upfront upon approval, absolutely free, no gimmick... dont know whether there's still slots available or not as it is very exclusive
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Singapore gets the jitters from spikes in Sumatra hotspots 
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