Did you mean that you are prepared to sacrifice a paycut to return to auditing field from accountancy but afraid it will compromise your chances of obtaining a PR status?
Yes

Is your current accountancy job pays u >3.3K? What kind of establishment? MNC, GLC, Pte Ltd?
no, >2k, MNC

Apart from salaries, what type of qualifications you have on-hand, working duration spent in SG (years?)
acca finalist, left 1 paper, qualification:adv dip, duration: 3 months

thank you~

why i see money changer still ex at 2.57, shouldn't it be ard 2.60 now???

They also need earn money ma... bank rate even lower I believe...

If you do direct money exchange, then you can do it at the rate of 2.6

Only restriction is min exchange of $15k. But there is no other fees that you need to incur.

If you change in SG, it is fixed at max rate 2.57

So go back malaysia and change.
I checked the rate online for the Midvalley money changer, it is 2.60

everytime they touch our money ..also need to charges

so rates become lower.

supply and demand. money changers know there is huge demand to buy ringgit sell sgd, so they kasi kau kau the spread to profit off of it.

I meMaybank2Ukan some money back today at 2.59, with $15 fee.

sounds like many money...

How's the rate?

Tired me, didn't see your "2.59".


Hmm... Must exchange in M'sia only can get 2.6

This post has been edited by IwanAGP: Dec 4 2014, 08:38 PM

Doesn't sound attractive to me since you need to pay $15 unless you exchange a large sum.
Why not do direct money exchange at rate 2.60 and do not need to pay a single cent of admin charge?

Actually the high currency rate doesn't sound attractive to me either. I'm not waiting for RM to pay anything pun. Exchange to RM also no use

hahah, no lifestyle but able to build your workpath. respect~ not easy to enter big 4 i guess? must have good results and etc

I spent 2 minutes at my desk this morning and $15 to kowtim the entire transaction, end to end from my SG bank account into my MY bank account.

$15 and +0.01 upside isn't remotely near worth it to go to my bank branch, queue up at the counter (or withdraw from ATM repeatedly over a few days, and then make a trip across the causeway, walk around ultra safe JB with pockets of SGD bank notes looking for a money changer, change money and then walk around some more with pockets of RM looking for a bank branch to deposit it. Then if something unfortunate like bank teller count wrongly, or money get stuck in cash deposit machine - will mean more trips across the causeway to resolve the issue.

aduh, why do u need to cross the causeway? Do everything in SG lah...

1. The few money changers around Orchard are only offering 2.57. Lower than Maybank2u.

2. Even if I change in SG, I need to bank in the money in Malaysia, no?

This is why I suggested Direct Money Exchange in the very first place. It is also quite hassle free.

1) You hand-over the cash to the money changer or you transfer the money from your OCBC to the money changer's OCBC for instance (with proper documentation of course and regulated by MAS)

2) Once the money is received in the money changer's OCBC, the money changer staff stationed in KL will bankin cash of the equivalent value agreed to your CIMB.

You get better rate, no admin fee needed.

For those who constantly exchange SGD every month, or once in a while, best to source few trustable parties to trade. I trade with family and friends. Go to some websites and divide the rates equally, then transfer online. Best thing I like is the time and hassle save by doing everything in front of my desk.

Hi all,

What is this Letter of Intent thingy when it comes to renting? I don't remember writing this when I was looking for a room early this year. Have you guys written something like this before?

Edit: In addition, did you guys pay your deposit/ rent by cash, bank transfer or cheque? Apparently the latter is preferred as it can constitute as proof of payment (As suggested by HDB board lol)?

Next, say if I found a place to rent without engaging an agent, who is responsible to get the Tenancy Agreement stamped? I know I am to pay the fees though.

I ask for every one's goodwill to bear with my silly questions for a while! I had it really easy the first time round (renting matters) and was pretty fortunate that everything went smoothly! My previous landlady handled everything which I initially took to be the norm!

This post has been edited by studyboy: Dec 5 2014, 02:51 AM

Look at it this way, you only celebrate CNY once per year!