i think topped up a bit get Honda Civic Type R better. i mean if u plan to impress with a limited budget. just saying.

Interior cannot fight Peugeot I-cockpit, exterior too, never considered French cars until I saw the 2008, haven’t seen better design

Anyway I try to make my replies relevant to this thread

Any good strategies to get a gf while working singapore

20k MYR, how about the upfront payment?

Just a piece of advice, you can consider to save up a bit more, say 50k or 70k MYR before making the move. That will give you enough time to rethink whether you really need it and give you enough buffer during any emergencies. I'm not sure how long have you worked in SG but 20k MYR and assuming you haven't buy any house/car, it is really not much, only slightly more than 2 months of your salary (6,000 Singapore Dollar equals 19,942.89 Malaysian Ringgit).

Won't comment on your work part.

Property agents who bought Merz may already have the full sum sitting in the bank to pay it off anytime but I don't know them so I can't comment much.

Do what you think is right, just make sure you don't regret your decision 3-5 months later.

signing-off

Not sure where to post this so figured this was the proper place to post it.

So just started working at SG a few weeks ago, and currently company is providing a work mobile with a plan (M1 with device), but only has 17GB(?) from what I can see in the M1 app, I can't access much unfortunately due to the M1 app requiring M1 ID to view any bills for the plans etc. And I use data for vids and stuff when I'm on the go so I've already used a good amount of the monthly quota quite fast..

So I plan to purchase my own plan, what route is currently my best choice? (Lowest possible price with most amount of data, 4G/5G doesn't matter but if there's 5G support for the SIM I won't complain )
Singtel Hi! Prepaid SIM and Port out after to other carrier such as Heya, GIGA, or Maxx etc? Or just go straight to the subsidiaries carrier?
As the main plan is M1, so I'd like to preferably have another carrier other than M1/M1 subsidiaries to just make sure the coverage is half decent when M1 doesn't work as well.

Also my WP card will be arriving in 2 days so that's probably what I'll be using to get a new plan, either that or I use my passport for now.

Would appreciate any advice from fellow sifus.

If you're asking if you can buy the car, the answer is yes.

If you're asking if you should buy the car, the answer is no.

Few things to consider:
1. 1/3 of monthly income is way too much for a car, way too much. Sure, a bank will grant this but it not advisable. My personal rule of thumb is 20/30% of annual income so for you that would mean a car that costs anywhere between RM24k and RM36k

2. Not going to comment on your personal motivations but I don't think buying a car to attract a partner is the right way to go. You're essentially selling a higher quality of life than you can truthfully offer. Starting the relationship on this front will be risky because you've set a certain expectation that you won't be able to meet. You won't be able to afford the fancy holidays or nice meals that come with attracting someone from a materialistic perspective. You're also only 28 - that's in no way old. No point going after someone who only sees you as a viable partner because of the car you drive. For the reasons mentioned, if you're attracting this person on materialistic grounds the other aspects of your relationship will also need to be built on those foundation so ask yourself honestly if you can afford that as well?

3. If you can truly put RM4k aside each month, think of what income generating asset you can put that in. Doesn't have to be property as that requires constant cash flow and if you're worried about job security this might not be viable. There are plenty of other places to put that money and maybe after two or three years once you've saved a fair amount and grown your salary from $3k to $4/5k you can start to consider getting a car if that is something that is important to you. I still wouldn't but that's a personal choice.

instalment is either 15% of my income or 20% after rent. It amounts to 135% of my annual income. According to your calculation, I would need an annual income of 450k MYR or 136k SGD to afford a 135k car, Needing an income of 400k to own a car at the price of a X70 premium sounds insane to me

my dating life is go nowhere, tried a few methods. I used to avoid emotional purchases like fancy cars, but now I'm willing to expend all resources to avoid dying with the fact that i never been able to date anyone i like, i will never reconcile to this fact, deception is precisely what i resort to, i still haven't figured out how to leverage the fancy car, perhaps more people are willing to talk to me, unlocking opportunities to relationship and maybe wealth too, ill drive grab to network first

Speaking of income-generating assets, do you buy those investment + insurance plans in sg? kena many insurance ladies trying to sell me this

you can't get postpaid plan with passports If i'm not wrong

There's redone in sg, you can use the data in both msia and sg without switching simcard

Cheapest is $8, i use that one, office and home got wifi and i don't watch videos in public, why is 17gb insufficient?

Currently Simba offer the best deal, with some free roaming data as well. But it rent M1 network. The other you can consider would be giga or GOMO.

This post has been edited by Mackiddo: Apr 12 2023, 09:01 PM

I don't mind prepaid/postpaid, the company phone that's provided to me is postpaid that is just under company's name and everything. But as I said the quota limit is 17GB and that's not enough for me.

I'll check redONE out then thanks! Tho looking at the plans it might not be sufficient

Why? I'm not a 9-5 office worker, 10-10 retail worker nor restaurant worker. I commute around Singapore a lot, and with commute come vids, I also commute back and forward between JB/SG so lots of data usage

Okay I'll look out for that, also I've noticed from some providers that they require POBA (Proof of Billing Address), what documents should I provide if I do not live in Singapore for that?

And I've just collected a free Starhub prepaid SIM today with the leaflet that came with my DBS Debit card, tho I might switch it out to another carrier cause the prepaid data prices looks kinda pricey, and the internet connection I've noticed from the short while I'm using it is very intermittent even when it has full signal reception. Do SG carriers support port out from prepaid number plans? If it's worth I might just port out rather than getting a new number

majority of telcos doesn’t port prepaid numbers. better get a postpaid asap to avoid the hassle of updating all your contacts later. check out this one from Zero1, using Singtel infrastructure.


they have few other attractive plans as well

This post has been edited by Mackiddo: Apr 13 2023, 09:17 AM

Got it I’ll keep that carrier in mind, if I were to apply for a postpaid I assume I have to do it with my work permit and pay a deposit or sorts?

If that’s the case I might just stick with prepaid as updating contacts or not really isn’t important for me since I do most of my communication through social platforms lol, and my most important contacts is still in my Malaysia Digi SIM

Prepaid can only port to same company Postpaid before porting out. FYI

Oh got it, then might just not bother trying to keep a prepaid number then thanks!

actually still can la. I started with Prepaid number bought with Passport at Changi Airport when I first touch down. Till today still using same number after so many years. Singtel prepaid port to singtel sim only then after that port here port there. If you like the number is worth doing. My number got 4 sixes X6X6X6X6 kept until now hahahaha

Oh wow thats a good one, my Starhub is very generic and has a 4 in it, so maybe not gonna bother keeping it, if the connection was nice then maybe but holy hell it was hard using it on public transport

For me it's like Singtel > M1 > Starhub but a lot of people rank Starhub better than M1

I was a long time M1 user then switch to Giga cannot take it then switch to MyRepublic using M1 network.

But before I port out from MyRepublic, there was a significant drop in service quality on MyRepublic with M1 4G I guess that was when MyRepublic decided to partner with Starhub for their 5G offering. Now stick with Vivifi on Singtel first after that only see how haha

This post has been edited by IwanAGP: Apr 15 2023, 12:45 PM

Be rich.

That’s a start

How to leverage the richness

Find your own way to be rich and not ask random strangers in an online forum like LYN

Ooh understood, guess I gotta try for myself to know I guess but I'm sure it's all gonna be better than Malaysia's shitty mobile internet