That is 100 unit equivalent to 33.5. Its not direct multiply like that.
The rate is actually 2.9851 (100 / 33.5) * X SGD that u want to change. So, if change S$1000 = RM2985.10.

U can ask your HR and my assumption is they will do it in July, for June and July contribution.

I thought your take home nett $1300. Now I know it is expenditure.

To the rest, I do agree the basic expenses will cost about $1200, which is about comfortable level.
If $900 and below u probably just working machine, eat sleep work and repeat. With minimal outing and misc. expenses.
So to save and bring money back home, I think its best to have take home nett $1500 at least, although bargain power is less cause u need compete with other countries e.g. Indonesia, Thailand, Vietnam, China etc. But u must also able to save and live comfortably, otherwise its better in KL or MY as at least u are local citizen with certain privileges such as hospital, clinic etc (SG medical fees is one of most expensive in the world, aside from US *Unless u are fully covered by company*). If there is no pulling factor or career/personal future plan I don't seems to find it attractive to come and work here. And of course family should be included into consideration as well.

Happy to see many people earning decent here

This post has been edited by WallChecker: Jul 21 2016, 12:06 AM

The clause mentioned that it is his responsibilities to pay his personal income tax, so the 5% withhold is only payable to him at certain stage, e.g. after he cleared his tax or annual assessment. There should be a continuation of that clause.


It depends on quota of the company that he/she applied.

Yes, please share here what is their response. In addition, if they responded to you, tell them to show u which part of MoM web shows 5% withhold salary instead of last month salary. Lastly, if u are brave enough (Not recommended), ask them if there is any interest of that 5% withhold salary once it is deposited back to u

This post has been edited by WallChecker: Jul 31 2016, 08:04 PM

I think there could be any reasons, but we don't know which one. IMO, one of it is due to market condition too volatile and uncertain. I would think best to ask your manager/HR directly for an answer.

Replying on referral only: Anyone that has direct relationship other than employment can't be your referral (For employment), however relatives/family and friends can be one good indicator that u have someone locally which increase adaptability/reduce risk failing to fit into SG environment.

Agree one this.

I am more interested to know why they rejected your application. If its company side then that is okay, but if its your application side then I am not sure if it makes any different.

1) I would suggest that u and other new members read back what are the questions, feedback and comments as all these questions has been answered and discussed previously. (I did that few months back, here is not like /k/ so u surely learn new things every few pages u go through).
2) Online reading and google-ing around will help, some feedback may not be true because everything changes and it will be outdated especially those one-time off process.
3) SG is full of all kind of people comes from many countries, so don't worry everyone u meet not necessary Singaporean also, so don't feel like "foreigners like us"

Regarding to room rental question: I believe it depends on what pass u holding, I was informed by landlords that certain pass (Excluding EP) requires them to register at HDB just to ensure that they do not overstay and reachable/contactable by authorities if needed. It is illegal to rent to those do not have valid permit e.g. expired permit and HDB landlord could lose their unit due to this. Not much hassle if EP holder.

I agree on this. Take time to make appointments and visit rooms, unless u don't have much time and rush, and want to have hassle-free then u can pay for getting agent sourcing the room for u (At premium because u can look for room yourself without agent so its a premium payment which is not necessary). I myself visited about 13-15 rooms two months back.

If u are not leaving SG with future employment in SG, u can declare it via LOU.

Personally, I don't think Jobstreet data is correct, as they are purely statistic without sanity checks which is why I don't recommend to compare using their scale. U should be comparing with peers, uni alumni, friends or people that has similar profiles as yours to benchmark. Although, u may not have exact figures but u should be able to tell if u are top 10%-20%, mid-point, or lower point.

I agree on this to certain extend.

My overall view, those that in 5% increment and 15% matching, could be real talent, specialist or revenue-producer, other than that it could also be that they are coming from lower point in MYR as we couldn't benchmark everyone receive same pay. Whoever earning well and receive increment and matching is really good for them, whoever receive cut if it is less than 20% its okay because at the right time right place u will in better path in MY.

On Banks or Financial institution side, it is unlikely better than any industry with current market condition. At least on the skill sets side, it is still transferable between MY and SG on certain areas, at the same time it is also competitive as well as u will be fighting for the "rice bowl" from people all around the world, Ivy league, US, Switzerland, London, other EU, China, Indonesia etc.

This post has been edited by WallChecker: Sep 5 2016, 10:09 PM

Haha I won't wanna be Internal Auditor though, I have many friends from Accounting course and lasted few years in IA left to other job scope/industry. Crazy working hours during peak, when I mean crazy means work until 4am to 6am, and back to office/client site again at 8am or 10am.
If International Assignee as IA then I wish too

I don't think it works that way. I believe what he mean is company/agent courier EP card to him. There is no one can represent on-behalf of others for fingerprinting. This will also allow user to use fast lane than over-counter immigration.


Lol agreed! Instant U-turn if saw that haha..

U manage to submit Birth cert in BM format? This is only doc that I have in Bahasa.. Hmm

Unlikely, I assume u refer to SGD on currency strengthen.
http://www.mt5.com/forex_news/quickview/2018571

My personal view is property in KL price remain flat or minimal change.


On earlier topic regarding to CNY, I am flying back to East MY via MAS and it is indeed difficult to plan since its Jan and most of us starting the year with zero or few days of annual leave. It is easy with a good conversation with manager well in advance.

Not everyone can carry forward annual leave mah, especially banking/financial industry. Some of us also started mid/end year don't have many year entitlement plus future planned trip took all remainder days liao..
Next year I plan to bring over more days to the cap

Anyone recently submitted docs to ICA for PR?
I have few docs in Bahasa (I know official language is English and national language is Bahasa) cause I noticed that birth cert and some other certs (SPM, etc) is in Bahasa.
If u have reliable translation done and affordable price will be good too to share with me.
Also, SGD100 is payable upon submitting docs right? Then once submission is approved then there will be one interview session before PR is approve right? Correct me if I am wrong.
Thanks.

I see, happy to hear it is acceptable without translation! Sounds easy to me, I thought most countries have multiple stages e.g. submit docs, review, interview etc. Thanks!

Oh, good. I saw some fees (SGD100 entry etc) would assume some processing fees for PR application. That was way long wait to go.. haha..
Thanks.

I hope mine will be fine too! Thanks.

Someone told me, no news is good new

Yes, I was told not compulsory for EP, however other passes is required to register with HDB to prevent overstay.

Wish me good luck.. I am >1Y but still gonna try my luck! Hehe

Your unit sound almost same like mine. Nice landlady and distance to MRT and furniture as well.
But mine is EW green line. Mind to share why and which area u heading? I am looking to move in future as well.

First, u should not resign before EP is approved and there is chance of it being rejected. Second, if they want u to start soon then they should pay out your notice period, or wait until u served your notice and join them.
Third, I agreed with deodorant's comment above that u cannot use 1:1 generalization. The example given is also correct. The stats of income bracket in MY and SG is totally different at high level of seniority. And as always mentioned before, u should benchmark based on your experience, skills, job scope and industry to SG market, it is not as simple as 1:1 rule. U can google those benchmark such as glassdoor etc.

I would assume u mean zero chance of Malaysian EP rejection - It is up to u, if u don't feel comfortable then wait until EP is approved. But no one can confirm EP application is 100% approved until it is approved by MOM, so tell that to your headhunter.
The second part is very personal, u have to read up many pages of this thread of previous versions to understand more. In KL, if u are single and earning RM10k plus, u can live comfortably owning a car and one decent condo (500k to 800k). And u still have some saving if u are good in managing expenses. U get to see your family, your partner (or wife) / kids, friends and so on. In SG, if u are single, earning SGD8k, u will be renting a place first (Whichever u like HDB or Studio/condo etc), but u will be far away from home. Traveling back home cost money and time. If this is not an issue that is fine. But people here mostly uses public transport to work (Yes, it is way much better than KL) even those earning 15k and above. Owning a car is expensive and eat up your gross income. A decent private condo usually priced around 800k to few mills (Expert here correct me if I am wrong), and prime location is easily 1.2 mill and above. U can read more yourself by Google on housing here.

Nevertheless, personally if I am in your shoe, I will take this offer up because in long-run working in SG is way valuable than in MY. I don't mean kopitiam "Woah this person work in SG etc etc.." but from personal profile to corporate perspective on u when u return to MY (If u return).

I am sure he wanted to say 10k and above per month.. I don't think anyone will take SGD8k vs. MYR100k per month

Banking/Financial industry is overrated. First, not everyone in the industry earn that much (some people just act like they earn a lot but no saving/asset at all or they are rich first and then banker). Second, retrenchment/lay-off is happening almost everyday, go check stats by MOM see how many % of total from this industry. Third, Google how well they perform and what's their payout, mostly declined % YoY and/or being fined big sum $$$.
Nevertheless, it is still okay but no longer like last time anymore.

Yes, $2 on SPEP account.

FYI to everyone on DBS/POSB account: http://www.dbs.com.sg/personal/support/ban...-below-fee.html

I am going to check out OCBC360 see if it's that good