I went back leh. Can't make it in SG. With me jobless, single income can't support a family of 6 in SG. Living on savings and parents' subsidies. The kids getting too comfortable in SG but need 2 income to maintain that lifestyle, so fed up need to keep working. Came back to MY, single income can support the whole family leh .

Too much info with google nowadays and people do more than what they used to do and raise the bar. End up a highly competitive and stressful life. At 20 i was only thinking of studying, what to cook for dinner and what to wear for the date . End up in finance corporate ladder, then now full time mum. Only do planning on what to cook for the day for the kids and the man. Simple life is good. Let fate do their work.

Walao u think warren buffett meh client come to u. If money walk in themselves to bank need sales for what. SOP stand at MRT stations wearing tight pants lo for guys.

Need income proof to prevent money laundering la. Insurance payout is clean money. What go into need to show its clean also. Those people buy few million policy, cancel half way, clean money come out.

Me also me also. Want to raise my kids in Malaysia. Want let them go through hardship, too comfortable in SG. Dumb kids can't compete with all the FT's elite gene. Happy childhood without book stress more important.

EM can withdraw as soon as give up PR, no question asked . After withdraw go MBS free entrance big small few rounds can retire at young age .

1st one sure gan chiong pick the best wife like. Man just few minutes then woman 10 months leh plus forever take care the kids. Well worth one the money. Your salary one day can earn back liao la 20k.

Want to give my kids the option to choose themselves especially the sons need to serve NS if they are SG citizen. So far they prefer MY cause more cousins to play with and the grandparents pampered them at home.

Besides those benefit that are mentioned, which are mostly related how much money saved, its hard to get approval to buy landed properties if not citizen, no way to own a GCB, normal landed still possible but a lot of ding dong to go through, and the house can't be rented out if non-citizen. Once a while they will send letters to remind you to sell the house as you are not in SG anymore, please don't hoard our land .

PR's sons can don't apply PR under parents, apply as 1st generation after they grow up to be FT, but make sure don't leach SG's benefit when he growing up. That's what my parents do la, brother never come SG study, only apply his own PR after got his pampers degree. Sis apply PR under parents study JC here . Me as PR study degree here cheap cheap but no need serve NS . Son kick far away from SG, later they send invitation letter to ask son apply PR before 18.

Consider as high risk run road category coz you not working in Malaysia, want send debt collector find you also hard, so bank will have higher chance to reject. Not so much on your salary. Take a housing loan that come together with a credit card.

Maybe your friend did something behind that make him in the outgoing list. I got the letter before, no reply, still PR.

I put mine under others and write Kadazan. My siblings and mum too. Malay from Malaysia equal Muslim, next time you cannot eat pork and arak already. If puasa period you eat and got question then IC show Malay you kena la. You fill yourself or the officer fill for you? Go tell them filled wrongly. If they fill it in tell the customer feedback department their officer got discrimination.

Ask your boss or the hr go read more books and don't generalize, maybe he still think you live on trees too.

This only is life ma. Day day work and pay bills where got life.

So nice can find so high paying job at home. I come back no job be housewife eat savings from SG. When the kids bigger a bit then not enough already. So expensive feeding them and giving them education. Where is wawasan 2020 as promised .

Hand carry cheapest. How much jek?

Stay too long in SG think Malaysia still live on trees dy? No money exchange meh your hometown. I live here on trees still have money exchange around. Sorry lo I only can afford bring back few hundreds dollar give parents for cny last time so never use all these high tech transfer, not like high ses can bring back big sum. How big jek so gan chiong? 3 working days the 2nd working day they go bankrupt then you die lo. Money in own pocket best.

Just asked my other half doing engineering. He say he prefer UTM over Monash. UTM has a good reputation in civil engineering in his mind but not Monash, other engineering not sure. Overall he prefer government uni than private uni cause private uni got financial barrier which not mainly based on student's merit but parents' bank merit. But that is him la, not all company think the same way. Some HR will filter out lesser known uni then your friend jialat.

Provide education until undergrad enough already la. Postgrad ask them pay themselves. SG a lot of people taking part time post grad at local uni, myself included. Don't make higher education like parents' responsibility and taken for granted by the kids. This kind go uni waste your money one. I thought my parents poor fag, so study hard get scholarship then free education since secondary .

NUS and NTU near world top 10 already. Those uni better than them need money many many on top of good results. Actually from my secondary school, many of the good students can't afford go overseas choose to go SG. Last time ah gong time is good, they have many scholarships and bursaries for FT, he got say before financial burden should not be a hinder to education, until the locals make noise then slowly become the state now.

Depends on when you start to realise that salary will always not high enough even though you reach have 50k, 100k, there will be higher one out there to get, and stagnation will come out eventually. After getting condo, then landed, then good class bungalow etc etc, always wasting life to achieve something related to money. Our combined household income in SG around top 10%, now back in MY with me as stay home mum, become M40 and can apply for free mysalam insurance, hidup gahmen. But both of us have more time to do things we like and no regret coming back. People here off work at 5 on the dot, 530 I see him at home play with the kids already. So much better than the 10pm 12am only reach home at SG. If you work at SG and stay at JB, say goodbye to your kid's growing up time lo. Later you reach home at 12am your kid ask your wife who is the uncle always come and stay at our home then leave early in the morning .

With you supporting the family alone and high expenditure at SG, stressful and risky... Imagine you get retrenched at 40s, cause drawing high salary, and other office politic issue... and before that you take up 30 years loan buy house buy car, wah lao, got time die no time sick. High risk high return though .