I think term plan got the highest returns liao. S$1m coverage think it's maybe around $4k annual premium?

Pay 2 years ($8k), then jump off 14th floor HDB, get $1m. 6,250% annual returns, where else to get?!?

Yeah life insurance term plan so far the best investment in term of return but hope I wun use it untill 99y.o

Mine flat out refuses to come here.

Forget about those ill advises that give you negative feedback about relocation choices. As a spouse or parent whatever choices you made for your family:

Stay put at hometown
Bring to stay together in S'pore
Bring nearer but stay in JB

Only YOU know the best for your family. As a forumer we can only highlight to you the pros & cons, not make the choices for you

Death benefit payout you can't enjoy also...
At most duduk at graveyard eat incense and count highly inflated hell notes...
loll
That's why I don't call insurance an investment...
Since the payout is really not enjoyable (death, accident, critical illnesses) and the return is subpar...

sometimes investment not only for your self, also for your next gen

I guess we have different point of view then...
No right or wrong answer just on how willing u are to spend...

yup

I'm guessing you are single, no family or real dependents
Same as me too, which is why I dont have much into insurance
Will likely change once starting a family

No family is a bit rough don't you think so?
loll
But insurance packages are better to be bought during younger age coz the premium will be lower...

postpaid without EP = pay huge deposit upfront
Thats one of the pros of getting EP.

Buy insurance when you perceived risk (like accident, poor health, loss of income, fire disaster, etc) is better to be borned by insurer. Don't buy just because you are young and premium is cheap (that's insurance agent gimmick).

Honestly speaking I actually hear many bad insurance buying decision than the good side of it. So do your due diligence

I have 2 insurance clients which I look into their processes. Their underwriters easily approve young applicants policy because statistically these group of people are less prone to problems. It's a good income for the insurers

Yes agree with you here, I don't feel I have a whole lot of things needed to insure currently
Buying now just so it will be cheaper doesn't work out in the long run

This post has been edited by KilJim: Aug 3 2016, 12:51 PM

You have a good point. But young people like me got the "K" syndrome. Or maybe it's just me. If really got anything bad happen, at least there's something to help you out financially.

Are you taking bus service from Jurong East to Bukit Indah, JB?

Which bus service you usually take?

He's carpooling I believe

Will there be any interview during PR appointment? If so, can anybody share what are some of the questions the officer will ask ? Any documents to get from HR prior to the e-appointment? Is letter from previous employer a must / necessary ? Many thanks in advance !

This post has been edited by clofae: Aug 3 2016, 03:56 PM

interview is optional...usually don't have
letter from previous employer is not compulsory...at least not on my case as i don't have
You'll need your HR to fill in a form which is about company info or something...

Ennnnn.... u made appt liao

Else dun even bother , get Ur appt date first whIch will be half years later, coz watever info u got now, eventuallly u will forgot and ask again later

Hi guys, I just got my job offer in SG. So basically im pretty new to everything in SG. Here are my questions,

1. Passes like TnG in MY, what does it called in SG? (ezlink? where can i reload this card?)
3. The first time i went to SG, i doesn't have the exact amount for bus fare, the smallest amount i got was $5 and the bus driver doesn't return the balance. Is this normal? Do i need to bring the exact amount of cash to enter buses?
2. Still in mist of finding room, office around pasir panjang area, so can anyone suggest me the best place to stay? (Clementi area seems like many room for rent, however im trying my best to find for room priced around $600 or $550 and below with wifi and aircond include, it would be even more great if someone here is a hunters/agent for this )

This post has been edited by LalaluSan: Aug 3 2016, 05:15 PM