1. PM me if got 500k above. Will send down a super chio bu or mucho guy if that its your thing, to attend to your financial needs. Maybe 15% return, maybe -10%, bet it on your luck.
2. Don't have house in Malaysia, too much debt already.
3. As 1. If not dump it to your cpf. The stable strong sgd already earn more than your 7-8% in rm already. Buy house in SG good too. Month month got people help to pay installment and some extra allowance.
High risk high return short period = MBS and RWS.
Small risk high return long period = Hong bao Toto.

This post has been edited by Fiona Chin: Aug 17 2015, 01:48 PM

Yup yup but I doing national service now. Will be in camp for another year. You can join the public course, 9 holes around 60 18 holes should be around 100. Marshall very fierce always push you if got crowd behind, whack the grass and he want to whack you. Or go the atas club, no commoners, marshall always smile to you even if you take the club whack his head.

PM our bank magnate boss dedo and oil mogul maki they will bring you to Singapore Island or Tanah Merah CC.

Show increase VEP more until the FTs feel the pinch so less car on the road. Push COE so high but allow foreign car to come in cheap. Hidup FTs.

Actually what do IT consultant do? Got people calling themselves cosultants approach my sme company but they offer technician services like doing networking and installation only.

Ooo got bad impression for IT consultants due to the dark dark one that other banks prefer. Talk until sky but when do no solution come out. Good luck u.

Please forgive my big boss banker mogul who is so shocked that you can live a comfortable life with 3k. Can't even get a decent size condo with 3k now.

We always based on what is acceptable to our own expeirence and judge people who accept lower terms than us. For low class worker like us, got job got rice got shelter comfortable already. Your life you decide how you want live it bah. So jealous those people renting small room so easy to maintain.

2. No if your boys don't take up PR when they are baby so you can save on their bills.
3. Some company pay their CPF contribution to you if you are not PR.
5. You can't own any property else where if you want to buy resale HDB.

1) Start gathering friends. Join the LYN group here they will fix you up. Did not spend weekends in SG for a long time. Barred from flying recently and the weekend horde is really terrifying. Better off staying home and enjoy some movies or books.

2) Uni time - Zouk and St. James. Free drinks if you wear a skirt. Working - get an ang moh boss and you will be drinking free beer in every lunch and dinner meeting with his expat beer allowance. Family woman - hold home gatherings with friends and colleague. Cheap alcohol from DFS from oversea trips. Anything cheaper you have to do moonshine.

Don't think its high for average graphic designer unless you made fame and become a celeb designer. After all, the median pay of local income is just only 4k now? Graphic designer should be in the lower band of skilled job aka lowly paid job in the city that doesn't value arts. All jobs are not created and paid equally. Its no good that everyone suddenly get paid five figures. Inflation is no good. Ain't going to pay 10 million for a condo in the next decade.

My sit month nanny charging me 3.8k. Don't think she even got SPM. Go take care baby better. Free accommodation and food. Salary full saving.

Fly go Sarawak. Hidup hidup!

Indon can retire once they born in SG, 1 to 9000 leh.
Thais maybe retire around 21.
Wonder why there is still so much Pinoys here.

Its good people with brain like yours still exist in SG. And they say FTs come here with high intelligence and competition. Now I understand why my company haven't fire me for 1 year of paid sabbatical. The locals are right all the time.

Don't know man, I know I have 2-3 mil sgd debt la. I owing SG 10 million ringgit??!?!! Will work till I die.

Different tolerance level and financial capability.

Those rich bunch will wonder isn't it awkward to share a ceiling or floor in HDB or condo with complete stranger?

Not awkward to share a party wall in terrace house?

Not awkward to share a fence in bungalow?

Got la. Uni time share backpacker bunks with guys some more leh. Company trip cut budget share room with oversea colleagues, say good for "bonding" .

Maybe they can find their partner during sharing room leh .

Workable but got pro and cons. Go talk to banker boss deodo for further details.

Just pick up the phone and call or walk in to some banks you like. Taking loan leh sure welcome you with big big smile.

Some company will do that. They don't want you kaopehkaobu after knowing you got rip off because you under quote. Few hundred dollars are peanuts compared to the damage you will do after you go emo. They also don't want to be labeled as sweat office, not good for publicity.

Should be ok for SG side. Maybe some issue from MY side coz now become foreigner maybe got restriction of land ownership or extra tax. SG got rule to sell off any landed or land if change citizenship or drop PR. MY so big maybe no such rule yet. A small political donation should settle your problem .

If still subject to mortgage, its the bank to say yes or no. Most likely they will say no unless your mummy got big income to take loan buy over your property but you reimburse her at the back. Bank no accept "this my mummy I still pay the loan I want put her name for gift show I good boy but is to escape stamp duty kind of stuff." Normally tycoon will one time pay off the loan then do the transfer for their son daughter mother father and mistress. When do transfer then need do stamping, wah lao big sum money give gahmen give lawyer again.

sgrealestate our resident property tycoon will serve you well, with a fee though, in this situation.

I cannot understand this. After you get your 3 years experience, the one who demanded higher than you in the 1st place and got the better job also gained 3 years experience. You are back to square one. How to demand more?

Ok, now I work low pay for my boss who is 10 years senior than me. After 13 years, I will overtake his 10 years experience and he would be under me .

This FT logic is really high level of talent only can understand.

You only have to suck it up if you yourself suck... There is no official statement it will affect your future WP EP PR Sinkie application, and MOM and ICA are not one sided towards the employers' side. Call this number for the official procedure for your no permit issue - 64385122.

FT can mean foreign talent or foreign trash, those that told you to suck it up are the latter themselves based their sucked experience before. The real foreign talents like our boss dedo makcikdo would tell the company to suck themselves.

On leave no place go nothing do lo. Come kpkb here and there.