weeeeeeeeee ok so i am here to ask my questions... if you guys dont mind... =)

how did you get your jobs? since most of the ads are for singaporeans and singapore PRs... do you all have PR actually?

oh so you can only apply directly though companies and not going through agents?

oh ok thanks for that... how's the banking industry there...

i am currently in banking for about 2 years... so hoping to get into the banks as well... looking at foreign investment banks...

I KNOW MAN!!! tell me about it... i have been looking at AVP and VP levels... i was like... damn... well i am actually interested in private wealth managament...

hmmm... i havent got anything in managing them... i am now in goldman sachs melbourne in the private wealth management operations, in the custodian... hoping to move to actual funds management... but not sure how is the route like?

hey seantang, are you in banking industry?

by the way... "No harm applying early. What's the worse that can happen except wasting some stamps?" does it mean that you dont need to pay anything to apply? then i assume the immigration is so busy everyday just to open millions of junk mails...

no lar what i am thinking is since it's free then people just apply for fun only lar dont care whether can get or not... just like gambling with the luck only...

coz we paid 2k just for the application to be au pr... so i thought it would at least cost something to get sg pr too, if not much...

ah ok... finance... so is it fun in finance? finance in a bank yea?

but do you think that it will become too many people there?

ok so in order to increase your chance of employment by getting a sg pr... just simply get a job in sg then apply for ep... then just apply for the pr... then once get the pr then start looking for next better jobs...

ok so you still wish to retire in malaysia?

ah? so an EP is actually tied to the company and not some sort of like working visa for the individual ar?

ah... ok sounds like i should start planning my sg life soon...

eh i thought people go to sg to buy luxury goods, they are cheaper there and more affordable if you earn there...

my friends rent a room in this flat... and the rental is already sgd1k...
also... what does the PR thing you mean? what is CPF of 21%? 1/4 of salary gone?

WOOOOHHOOOOO!! that's my main purpose to work in sg man!! i am happily spending my AUD1k on bags when i earn AUD3k but i dont see myself earning enough to spend on a bag worth RM3k when i earn RM3k... and i at least know that i can still buy a bag for SGD1.5k when i earn SGD3k...

well, if you are not planning to retire in sg, then there is no point having the EPF or whatsoever... and if you are earning that much, i bet you can save up or make enough investment that you can retire happily even WITHOUT the EPF...

i personally dont like EPF... as i think the return is too low, after inflation and all... and also you dont get to use the money when you need it... then you will have to loan it somewhere else and then paying them interests and all... investing in EPF sometimes is making a loss... but if it's for security wise, i think investing in a property can give you more security though...

that's what i think... i might have a WEIRD thinking... but... well...

that's right, i dont see a point why you saving up the money for if you dont spend it... it's like torturing yourself for not saving up and then no rewards? that doesnt sound right to me...

i guess the purpose of saving up money is to be financially independent to make your life HAPPY... no matter how you gonna spend your money, as we are all different... as long as you are happy MAKING and also happy SPENDING... definitely not making, saving and not spending happily... you only get to live once... too much restriction on your life is not too good...

i would spend on both bags and holidays... =P

that's not harsh... i guess it depends on individual still... i am happily making money and happily spending money too... and i am 100% financially independent...

ohhhh... so you want to retire early? at what age?

well... just wondering... is everyone or maybe most malaysians working in singapore really wish to take up the PR or become singaporean just to stay there forever? or merely just WORKING and just making the money?

yes, credit card is a sucker!! i dont even use it just have one for emergency...

also, wondering if people who are successful working in singapore ever thought of going back to msia to work after that?

well, i understand that singapore might be a good place to work or live in... but what do people usually do if you have family back in malaysia? would you continue to live in distance or you would like to live together with them? either you bring them to singapore or you move back to malaysia?

as for me, money and career wise, i am happy with my life here in melbourne, but i decided to move back to kl/sg just because of family... does my thinking actually make some sense? or it's just me?

oh... ok... anyway it seems like i look like a spammer in this thread now... but just sorry i have too many in my mind that i have no one to ask about...

can i ask next question? or i should just stop here?

how is it if to run a business in singapore instead of just working? is that easy with the R&Rs? or the competition?

erm... no i mean everyone thinks or at least i think it's better to work in singapore for number of reasons... but i havent heard of people saying... going to singapore to run a business, right?

also i know this singaporean guy he actually left singapore for the reason, singapore is being too stressful to live in and also he doesnt want his kids to become kiasu... and he told me in order to get a good job, they look at your results from secondary school... and he said he doesnt want his kids to have no life beside studying everyday... in short, the lifestyle is not so balance...

but afterall, i am not sure about all these... anyone can clarify?

ah somemore somemore... i heard eating out is actually cheaper than cooking at home?

basically i dont really understand the 2nd paragraph... but oh well... of course i am not comparing home cook food to 5 star hotel food huh...? that is not even close to comparable...

i wanted to ask like what's the average price for you to buy those raw ingredients to cook at home?