I am in a financial industry. thus, credit check is highly important to employers. yea. I missed some months of my repayment in ptptn. however, ptptn is not under category of secured loan. so I think i dont have to declare.

I am not that familiar with SG insurance plans, but generally insurance company saving plans are merely subpar...
If you are looking for places where you can grow your wealth, I suggest unit trusts...
Of course it will take a bit more effort but the return can also be higher...
But it is really up to you...
Just don't be deceived by large amount of payout upon maturity...
Cheers...

Yes plenty there. But 10k not really a big sum. Just 10 pcs of $1000 note and exchange at money changers when go back M'sia. Hassle free

Remittance centre ask for a lot of documentation and info. Withdrawal slip la, purpose of transfer la, source of income la. Ma fan

Be strong, PM command good pay so don worry... in SG u got money got honey    come raffle place for lunch then u know

Stull 5c ah? Not 5b?

Stolen from elsewhere

  How I can survive with $3k, stay at JB maybe

Why la this thread always talk about how to save money. Talk la on how to spend. Like where is good Makan place. Where to hang out

yeah, i already scavenged through jobstreet and there are lots of jobs that i feel i can apply. graphic designers, 2d concept artist, draughtsman, etc etc... i'm excited! should i just go on a limb and click "apply now"? i'm still at my parent's house in taiping, need to renew my passport and generally still having a lot to learn about this whole adventure i'm about to jump into. what if they call me for an interview and i can't make it? i could be banned from jobstreet. 
yeah, i heard that the construction industry is slowing so that must be it. i got an email reply last week asking if i'm willing to work for free. 

>Rm100k after convert. Citi rewards confirmed don't have cause it's a new card and my partner just changed to that from Citi Platinum. Was planning to get Citi PremierMiles if can convert but since they said cannot...oh well

Can I rant here? I'm so bored, miss my family and friends in msia and the flexibility of driving around to meet my friends and do things I want. How to overcome this? (Don't ask me go back Malaysia)

Wow.. you would do that for a random. what if he is rubbish? Then how? You willing to take the blame for intro him?

As long as my salary keep increasing every year, i will be able to meet the 30% debt to income ratio. Funnily enough.. the banks wont add to your current loans to the ratio if you are renting out your investment prop. I find that stupid, but not complaining as im benefactor of such arrangement.

Saving for a downpayment is easy with exchange rate of x3 and you save more than 55% of your take home pay.

My first prop, i admit i had financing help from my parents by utilising some equity of their fully paid off home. Second prop I bought, was my first msian home loan. Third prop which I bought recently and will be staying at in jb, I took advantage of singapore lower interest rate for overseas props. Just give them 20% dp and gau tim.

Qualifying for loan seem so easy. But ya, as long as my salary keep increasing every year, i think i can keep this up. Lol.

I maybe looking into Singapore but I have one concern, if I were to have kids, do they have good childcare while the parents work?

I mean, does any of you who have kids but no relatives in Johor and Singapore send your kids to babysitter and collect them after work?

Is it expensive?

wah 1k a month? Pretty expensive.

What about passing your kid to a next door baby sitter? got such thing? In Singapore need to be registered baby sitter?

I doubt most offices allow you to keep your baby in the office. I been to two Singaporean offices, they don't allow these facilities.

But technically speaking, resale HDB is already market price, not subsidized leh.

The original owner (i.e. the SC who bought the BTO) was the one who got all the subsidy. When we PRs buy it from him/her 5 years later, we pay "market price" and all the subsidy stays with him/her. No?

Hi all,

Can i check if there is any action i can take on landlord if landlord never fulfill her part of the Tenancy Agreement?

Reason is landlord supposed to fixed problems i found with the house within first month. But its been over 6 months with no resolution from landlord.

Airfare somewhat negligible honestly but the time spent waiting in airports suck. Actual flight less than an hour but it takes another hour to get home from KLIA. Jauh giler.

Wife has her own career in KL lah.