You consult the agent first he/she sure ask you don't move... You know why?? Their contract with the owner will stipulate if the tenant leave within "N" month(s) (normally 3), they have to find one new tenant for the owner.

Whereabout in Orchard Road?

How many times a week do you guys withdraw cash to worry so much about the ATM queue?
Over here almost every lunch and dinner is a queue, the once a week ATM queue is the least of my concerns

what bank are u using bro? wow must be good in financial plannng.....

Annual sakit...
Can easily shoot up to a few Ks... 

How did you get this 6% from? 

Hi folks,

Matter of preference here, do you guys still maintain your Malaysia cellphone number?

Switch it to prepaid, cheaper plan or even cancel it?

What are your AL entitlement guys?

Im being given a decent offer with 12 days AL. Im a bit concerned on this.

Thanks frank.
What do you mean by under agency?
Im offered 12 days AL with 1 month salary gotta pay back if I quit within 1st year, pay back 2 months if I quit within 3 months.
No OT pay. But I think the pay is pretty good 3.8k sgd

is it easy to apply for a work for fresh grad in Singapore nowdays?

He said company will pay the levy. Doesnt affect the salary he offered me.

My concern is, is not getting E pass or S pass something I need to be worried about.

Is there anyone renewed your passport at MY high commission before?
What would happen/do I have to do if I can't collect my passport on the date stated?

Can only beli HDB if your wife is a PR too though

Nope,

U can choose, full or progresively

by law lah...
not sure how common it is nowadays for landlords to "not register", or "lock one room" then rent out the whole house without registering.
i used to rent one whole unit without the owner locking up one room, at lower than market rate for a unit directly opposite MRT station

Buy a resale HDB flat and no more left to spend liao.....dont even need to go that far....unless both parties are earning 5 digits each monthly

personally i think friends are not everything. my best buddies here are french since i face them everyday, badminton / drinking / party buddies are locals, talk cock whining buddies are msians and prcs, ocassional drinking with aussies and brits. heck got even so tired walking around till bored of it. i think the value of childhood friendship means more to me. thats why i cant figure out how some who emigrate to places like aus & uk, will 360deg adapt to the social circle there?. Long run, end up chinese mix chinese also. Some will be dog tail wagging wannabe whites, but I have and know my roots and tend to enjoy the malaysian life despite how fuked our country is to an extent. Justifiable from a perspective of better living? Well just a matter of time before you miss the roadside nasi kukus nasi lemak, goreng pisang, 'challenging' environment, variety of sights, stuffs like that. well at least to me SG is culturally diverse from the outside, but no depth at all. just walk around and see how superficial everyone is. chasing time, chasing money, chasing careers, double faces in work, ultimately you feel the sense of emptiness. the infrastructure, development yes are 5stars but its more like catered from the foreigners success. like what locals telling me it feels like being caged, espcially when expats (bunch of them!) easily making >15k + condo allowances + good car vs them confined in small rooms and smelling mrt armpits everyday. opps, a little off topic

I assume you Husband and Wife both SPR? Installments shouldn't be a problem - 400k flat repayments over 25years should be around $1.6-$1.7k, which is under the 30% MSR. Then you can pay the installment from your CPF OA contributions as well which should help cash flow.

[edit] 400k resale ie 320k loan is $1,452 monthly repayment (HDB loan @ 25 years). I personally feel it's easily sustainable especially since most of that loan can be paid by your monthly CPF contributions.

Guys,  i would like to rent a sharing room,  if anyone had any sharing room available just let me know.  I'm not gonna  physically be there 24/7. I just want to fullfill the MOM rules.  HR inform its a new rule set by mom whereby you need to have singapore address prior to pass collection. Im currently staying at JB.