Merc monthly expenses around 2k around there

500k HDB around 2.5k ,

U can pay house installmeny minus off Ur CPF contribution ,

if total household income is 8k, household total CPF will be around 3k

Let's say 1.5k CPF for house installment, u need another 1k cash

So total expenses will be around 3k

Ur net salary left after CPF is 6.4k , minus off 3k, u left with 3.4k per month for othr expenses

My estimation

cash and is RM2.

The suspense and anxiety is unbearable.

For those have PR, anyone opted for the Dependents Protection Scheme by Income?

both same 1.. just u wan to be served by who nia.. but u can opt to change anytime
imo its not worth the price.. same price u can buy at cheaper premium rate.. but this 1 u can use cpf money la..

Mine is NTUC. Then MediShield need to pay somemore 😩

Hmm...is it recommended to pay for Medishield Premium?

Hi guys, i am struggling between two options now.

I am drawing 8.5k MYR per month, work life balance, good boss, and friendly colleagues. (Got time to develop my apps and web-site, intent to start my own co. if there is a chance)

But recently, i got a SG job offering me 5.5k SGD, By the look of the director and the speed they process my job application. I think it will be a BIG NO work life balance + heavy workload.

I know the final decision is always lied on my hand but i would like to hear some opinions from the forumers here. Thank you.

*I am a IT programmer

5.5 years. single guy. this is my fren acc. he no longer active so kind of just borrowed from him to ask this. Hope u all dont mind about this.

i am holding a manager position here, they are offering me senior executive role.

hi, yes roughly 4k every month into my savings. But with 5.5k SGD i think i can easily save up 9k MYR per month.

Anyway my EP just went through this morning, and now I need to start thinking about living there in SG.

I'm currently working in Japan, so I cant go check and find place to live in person, so rather rushing to SG one week before I start working and choosing a bad place to stay, I was thinking of staying at an AirBNB for a month and move to a proper place later.

Will that cause a problem, opening a bank account or getting mobile line and all that?

Yes agree....you can save alot of money, and the SG dollar spending power is there against other currenceis(USD/NZD/AUD/HKG/NTW/RMB etc etc),  every SG$1 saved == MYR3.x +/-

Wait till you start a family with a house and car, medical and hospital bills, school fees and misc, every month overdraft. If so good the locals won't complain here and there.

Laptop $2.4k    that is quite a high end machine, can afford macbook liao

did u work in KL before?

notice u didn't answer

ur junior head back to which part of malaysia?

ur junior have a family and decided to bring back his family to msia?

My senior who once gave up singapore for KL, he eventually return to sg after a year. he said KL is expensive. he is a 40 plus year old uncle already. and yes he owns a car in SG, house and is already a citizen and his kids are already in poly n school.

I am single

mind i ask how much do u guys manage to save  per month usually>?

that is the good side about msia is the medicine that if u go gov hospital, u get free also, if not fork out like a few tens

but how many ppl u see in KL or some big cities, middle income that would be willing to wait in gov hospital for attendance

most will go private

the price u need to pay in sg is for HOUSING (CONDO, excl HDB bcuz it is affordable also thx to CPF), medicine and car (due to the fact that u have to scrap after 10years of use, but price wise, a camry in msia is more expensive that a camry in sg after COE)

we live like commoners in SG while u live like a king in JB

Few days ago, i received letter (NOA) from IRAS asking to pay income tax for year 2016.

However, i remember somewhere in Feb 2017 i got a letter from IRAS saying no need to pay or file anything.

Is it normal that somewhere mid of the year IRAS send us letter asking us to pay tax?

Do you guys by chance experience the same? Received letter from IRAS middle of the year asking to pay tax

Urs so late, I think mine been paying few months aldy

Sad

Here OK lah, Malaysia lagi higher tax

the moment when income tax letter come x.x

Let's say for year 2016 I no need pay any tax since not over 183 days..
so next year tax the income for 2016 and 2017 will be combine for taxing or it will be separate?

I just check the spreadsheet from IRAS site to guess my tax as resident. for annual income of 40k SGD the calculated value is like 412 SGD.

Is this number per month or total to be paid? because if total seems so little.
if per month means 412 SGD times 12?

non resident tax is like 1.5k so pain if per month.

Also can I ask what else will be deduct from your salary every month when you work there?

The congestion was abnormally severe since around cny until the last few weeks for unknown reasons, i moved in around that time, the congestion seems to have returned to the normal state, i might move back after my lease ends
why would banks see it that way, the same law governs when firing anyone including work pass, the compensation etc, new law states that they have to inform mom before firing anyone including workpass holders.

personally i contemplate this purchase because i worry about struggling at work at any point of my career, i might quit/lose my job and not able to find one, i job-hop a lot, mostly due to various struggles, i take this risk very seriously
https://ctoscredit.com.my/car-loan-eligibility/
According to this, one is likely eligible for a 300k loan with a 8000 salary

since you said buy it i think i am going to take that risk, need to salvage any joy when young, i have 2 years left before turning 30, hopefully it boosts my chance of finding high quality partner

I expect to pay Rm 1500 and 3000sgd leaves me 5000myr every month. I didn’t manage to save much all these years until recently, now only 20k myr

Make no sense to keep my room when I lose my job, speaking of losing job I’m getting scapegoated, that criminal deliberate pass a bad job to me and wash his hands clean, make me send out all the work and people thought I’m responsible for that plate of faeces and he’s a good guy covering for me, make me look bad and can’t defend myself, very despicable, this is why I worry, always kena sabo, I downgrade my position after many years of job hopping but still kena sabo no matter how low my position is, as long as the job is white collar sure got sabo one, i think I only feel safe when I get pr so I can deliver food in sg, sure no sabo

My family still think I’m crazy for considering this purchase, I have quite made up my mind to take this risk, I mean some people working as property agents bought Mercedes, more risky than me in my opinion

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. 

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

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 

Not asking how to get rich

I consider myself reasonably rich in, nearly T20, but no lady knows about it

Can’t be filthy rich only can date. Liddat very few get to reproduce, has the new world order come? where only few high achiever reproduce with many women while the rest of us eat shit and have our gene discarded from the gene pool

How to apply this rule in SG lol. Perodua Bezza is $125k, so need to earn $400-600k p.a. only can buy?