check on what are the coverage. if you're not hitting on certain age, u dun have to cover it. it's a waste of money.
last time i paid almost 300 to cover EVERYTHING. after one year realise alot of stuff is useless to me so i strike it off. only paid 187/mth now

I used medibank

This post has been edited by Nemesis1980: May 3 2016, 09:46 AM

once u got Oz PR, u can vote NZ parliment....hehe
who cares about NZ pr?

never know when you'll need them, so just keep only

not necessary, cos from what i found out, general CO's, 75% of the docs usually will be sufficient... maybe you just got a very fussy CO that's all

But you have to live there for a few years 1st, right ?

Thanks. Maybe I will have to beg the HR staff to print all slips for another 6 months for every year just to have 100% complete docs for her.

SG:-
Pros:
1) good career, good lifestyle and entertainment
2) money, money, money!
3) buy whatever $hit, travel anywhere
4) kids education
5) malaysia next door
6) security

Cons:
1) won't make u happy
2) kids won't be that closed; work like hell
3) ultra kiasu and kiasi, saw by my own eyes
4) u still can own a property but paid by 2 generations?
5) too crowded
6) hardly own a car soon....all public transport

OZ:-
Pros
1) good lifestyle, environment & outback
2) kids education
3) nearest western country to malaysia
4) welfare
5) pension
6) easily own cars and house if you're not too picky
7) family time

Cons
1) TAX!!!!
2) career start up is hard
3) no local experience means hard to get a job
4) further from malaysia
5) certain cities public transport not that great
6) security sometimes is $hit

Telling the tooth nothing but the tooth.....hehe

generally yeah

thank bro, will research more on that

by the way, are you still maintaining your malaysian insurance?

This post has been edited by kenji1903: May 3 2016, 10:17 AM

i got 3 malaysia insurance but surrendered all.
bear in mind in some cases might not be necessary to surrender.

If u serve the insurance for more than 10 years, suggest to continue on. there's investment link involve and there's some big chunk there and still on going will increase the $$. So just be wise.
If lesser than 5 years can let it go.

take note the malaysian insurance doesn't cover overseas. if u're travelling more than 1 month, there's no coverage on that.
so why should i keep it?


This post has been edited by Nemesis1980: May 3 2016, 10:23 AM

that's what i am thinking also... cos i think there's a clause stating that if you are out of the country for more than 90 days or something like that its not covered... will have to speak to my agent then, thanks bro

well, can talk to them. they'll try watever they can ask u to retain.
however, u need to look into this whichever more than 10 years, keep it until one day ur kids need money to study or watever, can at least take out the money. not until emergency use. u never know.
anything lesser, just take out and spend.
noted that 1st 3 years insurance doesn't save u much, agent took it as commission. that's why u will see every 3 years the same agent will approach u asking u to increase the premium with watever $hit reason.
how i know? coz i've been approached by 20 over insurance agent in 5 years and did some research too!!! most of them are my friends and relatives! with friends 10 years never call u b4 suddenly asking u for yamcha in mamak sure got something one. only me stupid thought they're genuinely friend friend to chit chat $hit...

you shouldn't complaint about taxes if you are expecting a better quality of life here in Australia.

if one expect a good life in their pension years, then tax got to be right for it then, if not; where else the funds going to come from? your children's?

My 2c worth. Pros and cons.

SG
Pros
u will potentially have a better career, make more $, n be closer to visit family and relatives in MY.
Cons
Kids ultra competitive, NS for the boys, super exxy accomm.,no work life balance.

OZ
Pros
Excellent work life balance, no need to worry abt kids education, safety net in retirement, relatively spacious accomm. n affordable if not picky abt city or suburb.
Cons
Hard to get started in career again, leading to financial stress, diff culture.

yeah, cos we won't be needing that cash at the moment, so planning to just continue the policy... want to see if other are practicing the same

that makes stupid us
but my friend was trying to sell oil lamps instead of insurance

Can share how the tax contribute to our retirement in a nutshell ? Thanks.

Bolehlanders pay high taxes too, including toll n various government service charges. Overall, the rate is about the same for both or even higher than Australia.

Quality of life in SG not bad lah. Not as leisurely as Perth but not nearly as bad as what people make it out to be.

This post should get pinned on the first page. Very objective

I went to mph over the weekend and accidentally saw this book on sales. This book provided some insights of staying and living in Aus.

"Migrating To Australia, Good Meh?"

http://www.mphonline.com/books/nsearchdeta...e=9789832344186

Content and substance are objective, and you will be able to make an informed decision (depending on what's your priorities).

Disclaimer: I'm not related to author, not salesman. For sharing only.

i bought the book, its a good read, a lot of negativity but also lots of points to ponder