Use credit cards lo. No opportunity cost. Need money just swipe. Apply all the banks if you need few hundred Ks. Time deposit not good also if you take the 1 year one, if you draw the money for emergency before mature then lose most of the interest. Or cut it to chunks, maturing at close period. I divide my 6 months salary retrenchment saving to 6 6-month time deposit, one account maturing each month and auto renew, 0.5% Maybank IIRC.

If saving for housing down payment, then go back Malaysia unless you foresee MYR-SGD will drop drastically over your saving period.

Errr... 24% p.a. interest only if can't pay the bill right? Credit cards only used to cater for his emergency case with his already own cash parked at higher interest rate account. Got one month to convert the funds to cash and pay the bills. No asking him to over swipe beyond his saving, that one is another issue.

BT fees around 1 to 3 % 2-3 days until cash available or instant cash at 5%, say you have the amount and park it somewhere else other than bank account in SG, 1-2 years down the road can cover the BT fees already if you ever need that cash from BT (most of the time the big price tag item can be settle by credit cards). If nothing happen then you earn already. Taking others' money for your emergency case and using your own cash for something else .

Ya I mean the CC fund transfer which is interest free for an amount of period with some percentage of processing fees. I know some banks offering one day or one hour approval and transfer with 5% processing fee which is almost as convenient as saving it in a bank account since you have to go to the atm to draw the money anyway for both cases.

They mocking your typo.

2.59 last week from exchanging SG-RM with friends and family, we take average of the buy and sell price.

Typo lol.

Happy CNY all, close work de, get all the ang pao.

This post has been edited by Fiona Chin: Jan 26 2014, 12:44 PM

If your health mean nothing to you then its cost efficient for now. I cook my own breakfast and dinner, sometime lunch.

Not common now. deduct your take home pay at the discretion of the company... they deduct you can't get it back forever. you signed something you don't know. your benefit and allowances are at the mercy of your boss if not written. they don't give then your only choice is quit.

I got the Brompton foldable bicycle, quite ok but I won't ride it on the road with cars. Used to ride for fun in the park mostly at East Coast. Park connector now also not bad but I use my Trek to do it, too tired on the Brompton.

Bought the Brompton in London. I got it together with the luggage case, even with the GST and extra luggage weight, its still a lot cheaper than Singapore.

Treknology3 or something. They have a lot of models in the store and the people are friendly.

Just learn to utilise the time during commute for things you do at home at your free time. I travel weekly back home, 4-5 hours each way. A lot of down time. Gadgets now so powerful, email, powerpoint, drama, music, read, so much thing to do on the road.

Don't spoil market leh.

My SG pay - SGD 1
Same job same company in KL - 70 cents RM
Similar job same company in home town - 40 cents RM

By this theory you should have ask higher 1.3 times perhaps.

Dependent pass only applicable for children below 21 years old. They will offer you to take up PR when you are almost 21.

Wah lao, Chap Goh Mei also haven't pass and you bought tickets for next CNY. Semangat SG 100%.

So fast? Less than a year here?

Good choice, better leave early if not stuck here forever.

Where got so simple.

Anyway, what is the yield rate of West Malaysia's properties? Any good property management company to recommend? Thinking of buying but not familiar with the market there. Don't want to pay another ABSD that worth a house in MY.

Just go ahead and apply unless they specifically write in the form the work permit must have more than x months validity or something. Don't worry so much.

Take a look here for the real stuff.

http://www.customs.gov.sg/leftNav/trav/Dut...+GST+Relief.htm

You can enjoy GST relief up to the following values of goods, excluding cigarettes, tobacco, liquors and petroleum products.

Period away from Singapore

Value of Goods

48 hours or more

S$600

Less than 48 hours

S$150

Such goods include new articles, souvenirs, gifts and food preparation which are for your personal use and not meant for sale.

Holders of a work permit, employment pass, student pass, dependent pass or long-term pass issued by the Singapore Government and crew members are NOT eligible for GST relief.

Removing price tag and box add one more charge "IF" they want to charge you - avoiding GST with intention and planning.

Huh protection from? Only can think of the low wages foreigner graduates are willing to take.

Which engineering? My soon to be hubby around the same exp as you earn about 9k when he was principal engineer. Now is assoc director same basic pay but include some percentage of his own projects.

Ya SGD. Good luck.