hi all.

i hv a cousin in SG and according to him, the diploma i get in M'sia (diploma in computer science) will be of no use in SG because they will not recognize it.

they will only recognize SG certs. is this true? if i plan to go SG to work, do i have to re-do my studies there?

any IT person have any thought on this?

Jimmy,

I dont quite get what u mean by this sentence -

You pay SGD28 only for Hot 100( normally I pay SGD24.5 or SGD25) and you get SGD72 dollar for local charges and SGD28 for IDD international call.

Btw, I check with Maybank in Msia, and the person advised to just use their ATM machine and the money will convert using the prevailing exch rate. No fees imposed.
Try and see if it works or not and then please let me know.

Regards

Hi darren,
you pay SGD28 ( suggest price ) for HOT 100 top up card which contain the value of SGD72 for local call/sms and SGD28 value for IDD, international call/sms. So total is SGD100 worth value, thats y it call HOT 100. Sounds unbelievable right?

http://home.singtel.com/upload_hub/consume...onus_nov07.html

This post has been edited by jimmy79: Dec 10 2007, 01:22 PM

yes, that seems good.

Friend, I am in SG because I am a Singaporean here lah.... think some of you mistaken me as malaysian... just that I half my relatives are malaysians, some in PJ, JB, Batu Pahat, Muar, Yong Ping and even Pahang.. not sure where.. long time never contact. With regard to meeting up, I am not certain at all because I have to help my wife and also due to the nature of my work right now. Its in a tight situation and rush to a certain extend.. I am also in a dilemma because I have to clear my leave and yet have to complete last minute tasks assigned... its kind of important.. but ..sian .. want to avoid burning my leave going back to work

I am going to KL on 14 - 19 Dec for short trip. Anyone out there care to tell me what's the whether like over there and also about the rally demonstration, any more coming, my family members are kind of worried... don't want to be caught like ang mo... who complained about the last rally, where hotel staff didn't even warn them about what is going on...



This post has been edited by bbmars: Dec 10 2007, 11:35 PM

About CPF contribution, does non-PR need to contribute ? Actually if contribute I feel better because the employer contribute too - so your remuneration/benefit is more, right?

WASHABUSHI/Jimmy - does your employer deduct CPF contribution? What about Socso? Mind if share normally how many % of your salary constitute the variable portion (I'm not talking abt the 13th month)?

Non PR does not contribute CPF. I think you can ask your employer say you want to contribute even not PR but not sure the employer will contribute their part or not.

I do not have CPF contribution. I have no sosco deduct from salaryas well, so the pay you receive is the net pay.

What variable portion? Not really get what you mean.

don't think there's anymore coming up during that period... not that i'm aware of anyways...

hey if you need any help in KL can let me know

If you are a non-PR, you don't have to contribute. Previously, whoever has work permit in Singapore is required to contribute CPF as well as his employer. Some companies have arrangement that even if you are not a PR/Singaporean, you will still get the portion of your employer CPF contribution (which is 14.5%) and yet you don't have to contribute to CPF. Thus, you get additional 'allowance' + your existing salaries. But still this will be considered your income and will be liable to income tax. Whereas the portion contributed by your employer to CPF is exempt from income tax. Just FYI.

bbmars or anyone else, can you pls explain what is this AVC again? Can it be taken away even though company not making losses?



This post has been edited by darrenboy: Dec 11 2007, 10:50 AM

I might plan to resign my current job and head to singapore to work, I am more in IT line basically java. Here things getting expensive and worst next year with salary still same, buying power tak cukup. Dudes, do you have any hints which recruitment agent is good and which recruitment agent no good which should be aware during looking for job? As I know, normally first step go through recruitment agent which I really don't like but no choice, is there any MNC company recommended? Problems too when getting a room to live. Need help from you dudes. Thanks.

Sorry Jimmy, I meant Monthly Variable Component of your salary. What's your percentage?

Thank U.... friend

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Added on December 11, 2007, 5:52 pmMonth variable component ? Not all companies following this practice, especially the smaller firms. This was started by SG Gov and all Gov sector practice this. During the last recession where many companies gone busted and some retrenched workers, some pay cut... which brought up alot of unhappiness among workers and thus affected their morale. So the Gov decision was to introduce teh variable component where by it certain % of your salary besides the fixed income will various according to how the company perform, during good times pay will be as usual. However, during bad times, this variable component will the part of your salary that may be trimed to lower amount. In this way, it becomes flexible and workers in the scheme are aware and won't feel the pinch and employer can declare when economy is bad. Its more pyschological, mind game and companies adjsut accordingly rather than 1st thing, think of retrenching workers or PAY CUT, which is a bad name itself.

If you are new to the company which embraces this practice, you would hardly feel the crunch as you are already been told when you join. Its the those existing staff will face the pressure switching from old to new switch, of course with adjustment before switching over. Of course, not forgetting, the extra bonuses pay out during good times. I am not sure how many private companies practices this. But Gov related companies usually do.. like PSA, workers took quite a hefty cut and then last few years, due to good economy, they got something like 6-9 months bonuses pay back for standing along with the management, rather than choose retrenchement, which left them with no job and worse, like not able or even harder to find a job especially for older/elder workers, which is not a good solution..

Just some of the problems faced in the last recession, therefore, this variable component is something being look upon even by the west and EU... but... again.. I think only SG can implement such thing successfully.

This post has been edited by bbmars: Dec 11 2007, 06:05 PM

Does Singaporean companies generally pay Handphone allowance, petrol and toll allowances, etc etc? And what about the benefits cover the family as well or not?

This post has been edited by darrenboy: Dec 11 2007, 09:59 PM

my savings in singapore is equal or more than my salary when i was working in malaysia (after convertion)

Sorry, I am afriad that's kind of thing belongs to the Bristish system and not longer in practice. Except if you are on special hire, that could be inclusive... whatever perks you are entitled. if not, ordinary jobs... don't have. Gov jobs offers some form of beneift for family members.. Even then, its limited with condition, e.g

1 entitled to 2 days Child leave - children below 7 yrs old
2. medical allowance of $300 max/yr, each time medical claim is public clinic 40% of charges, prive clinic max $10
claim
3. 14 - 21 days leave depending on entry level, and some extra 7 days after 10 yrs
4. holiday claim $200/yr max, per claim $40/N .etc.....

Again many companies practices different things and liek if you are from Foriegn bank.. WOW!!!benefit could be like what you say... I am not joking.
I know my colleague's wife can claim full medical on his behlaf from her company.
Things like $2K PC allowance - anything related to PC..
Year end bonus - can be up to 1 yr.. depending
company organised tour - fully paid...etc.. including family...

BUt such opportunites are rare nowadays, mainly for Senior staff like manangement or as alkready part of package negotiated..

I believe that is what they call a LEVY rite? Work after certain period of time you will need to be charge for certain amount of percentage. But as i heard is only going to be commence on years 2009 (from a company in spore) Still the tax is not incurred towards amount of annual income but the number of working days in Spore itself.

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Added on December 12, 2007, 6:20 pmCPF is not applicable for Non-PR or Non-Citizen of Singapore.. So there is no need for us to worry fot that.

This post has been edited by Gamerz_Paradise: Dec 12 2007, 06:20 PM

worry? One angle of looking at it is that the non-PRs are losing out money from the employer contribution.

yea i understand. but is the same as bangla which work in malaysia la.. they also lose the contribution also..wat i mean in worry is there is no procedure or wat so ever.. Let say if we got CPF now. but we need to retired only can take back those CPF. so after minus off all the CPF still we 2-3yrs back to malaysia due to contract expired then we lose even more.. rite?

ok, understd what you're getting at. But let's find out from bbmars or anyone how is the return like for CPF ? How many % are the contributors getting annually? If it is huge, then leaving it at Sgp till our retirement, may be alright too. It depends.

So, does anyone know how much returns for CPF in the past?

This post has been edited by darrenboy: Dec 12 2007, 10:59 PM