Not wrong. How about your friends and family in Malaysia?
Or maybe the places during your childhood 😂

happy holidays everyone.. stuck in a dilemma about future of my job.. am in my mid 20's now and here are my options for the next Quarter:

a) SGD50,000 PA continue my job in Singapore and live alone with rent.
b) SGD42,000 PA but shift to KL office, rent free and spend in MYR.

Same job scope, same position. Im in the midst of applying PR as well if that helps.

Regards

Hi Sifu, I am a now at a crossroad and need some opinions. 

I have always wanted to work in Singapore, because power of x3 currency. I managed to get into NUS Computer Science this year but I come from an average family and can only afford part of the fees. The tuition fees, living costs and accommodation round up to roughly 100k sgd. While I am still trying for scholarships, I think that chances are slim and I'd like to assume I dont get the scholarship first. If I choose to pay for the fees myself, together with some financial aid and loans, I will be able to afford NUS but I will be 50k-60k sgd in debt with interest starting after uni. If I work part time in uni, I might be able to reduce the debt by 10k sgd.

The average pay of a computer science graduate from nus based on survey is roughly 4000 sgd (I dont know how real these numbers are but I will assume them to be accurate) so if I set aside about 1000 - 1300 sgd monthly, I will be able to pay off the loan within 5 years. Another advantage of studying in nus is that the environment is very competitive and I will be able to grow a lot in uni. But is this path worth all the pain and debt??? After all I am a simple man, I just want to save up money and retire early.

I also applied to UM but the result will be out this August, so if I am going to UM, I will have to reject NUS. Here, I'd really like to ask the sifu if it is hard to work in Singapore after graduating from local public u nowadays. I know last time a lot of ppl worked in SG after studying in M'sia but I heard recently they have tighten immigration laws and make it harder for non-Singaporeans to get job in SG. Especially now that covid-19 has hit both Singapore and Malaysia hard economically. I will be able to graduate debt free this way but it is unsure that I will be able to get a high pay job in SG or at least grow into someone that can get a high pay job in SG.

While I understand that which uni I go will not be relevant after several years of working experience, but I think that the first job that I get will have a major impact on my following jobs. In that way, NUS will give me lots of advantage to be more competitive and the more prestigious grad cert. The downside will be, of course the debt, stress and potentially not getting good enough a job to pay off the loan. UM however, looks like a more financially sound decision and will give me a leg up in saving money. Downside will be I might not get a good job or be good enough to get a good job since not competitive enough and also SG now preferring SC > SG uni grads > overseas uni grad.

Sorry abt the essay, but I will really appreciate your opinions, didnt post this in education essentials because my focus is more towards working in SG.

not sure about the loan and etc

but all i can say if u graduate from NUS and you are staying in Singapore, it is quite easy for you to get a job starting as an intern is much more easier i believe....

but malaysians who are staying in malaysia applying for a job in SG will be tougher

so dont worry about getting a job in Singapore

Really? Didn know MP can help to expedite. May I know how long u stayed in SG when applied?

SGD lo... RM1mil net worth maybe only can get average terrace house in KL

Normal fluctuation la. End and early of month rate tends to be lower - movement of salary cross border

ok thank you. Another question to ask is about if I never work in Singapore for the latest 3 years already but 2 years I did work. So after 5 year will I be able to renew PR? Also if I able to renew another 5 years I don't work there no more tax for next 5 years....So next time I renew again chances they don't allow is low or high. In what situation they won't allow renew

My memory must be slipping then.

Had been in Singapore for slight more than a decades. Had acquired PRship & even bought a flat there. At the same time I also own a business & house in Malaysia. When I first went to Singapore I like there but over the years I beginning to hate the place & the people (Singaporean & Malaysian SG PR or ex-Malaysian but Singaporean now - act like Singaporkean). While not all are bad but majority of them are fake and ultimate asshole. Thank god I will be leaving that freaking island & go back to Malaysia to concentrate my own business. Best of all is I get to enjoy driving my A250 AMG in Malaysia & no need to take bloody bus or MRT in Singapork.

So you had settle down in Malaysia? You can always return to Singapore to work if you find youself too good to work in Malaysia. Kids may let your parents or parents in law to take care.

hey guys.. in an unfavourable situation here..  after 1 year think im gonna get axed in the upcoming weeks.. any possible way to stay around SG lawfully?

if not.. whats the condition/best way forward to moving my things (3-5 luggage bags) back to Kuala Lumpur? I initially planned to get friends to drive in from JB and pickup my stuffs but unsure what the border situation is right now..

also, whats the best way to transfer $30k-$50k back to MY account? Have yet to check with banks but most remit sites (singx, transferwise, M1) albeit good rates have service fee north of $100++
worst case i go withdraw $1,000/$10,000 bank notes and wrap grasp it tightly throughout my trip back haha..

TIA...

Any of you got experience with applying LTVP for Parents as SPR?

https://www.ica.gov.sg/pass/LTVP/pass_LTVP_apply_parent
The ICA website seems to imply that the parent must be in Singapore on 30-days white card then only can apply for LTVP. Wondering if we can apply for LTVP for them while they are still in Malaysia (to take advantage of upcoming RGR / PCA on 10 Aug.

thanks for the quick reply
if i work and stay inside singapore, technically i am allowed to bring back 1 bottle of wine when i travel back to msia every few month right
jus worry there is special limitation for PR and owrk permit holder that i do not aware of

his statement is completely misleading one la. listen to him 10% you can go holland.

I am a SG PR with SG driving license.

1. SPR are not allowed to drive foreign vehicle in Singapore doesn't matter you hold Msia license or SG license.
2. When you convert your license to SG license, By Malaysian law you cannot keep your Malaysian license. No issue driving in Malaysia as Malaysia recognize SG license.
3. I can even buy a car in Malaysia with my SG license.
4. I had an accident with my brother's car in KL and claim insurance. All matter to insurance company is you the insurance cover note have your name or not.
5. Whether you can drive your friend's car or not depends on the insurance cover note and not your license. If your name is covered for the car, back to point 2.

Rakyat Malaysia pun boleh. The law clearly say must cancel my license if getting sg one. But don’t care, asal BOLEH.

I see, thanks for the info. 10 day quarantine for a short visit with full PPE attire doesn't sound that great

whoa sifu. how to pay 0 tax?

apply for citizenship liao.

my understanding is depends to where you perform your job

example a foreigner (no matter whats the nationality), is employed by a PRC company in china, but are performing the role in Malaysia, he surely will be subject to taxing in malaysia even thou the salary might be paid by a PRC back in china to a china account ? just like all malaysian working in SG now, no matter where or which company he being employed , but he is performing his role in SG and reside here, surely he is taxed by IRAS, no ?

same for malaysian, whether he is SG PR or not it doesnt matter, but he reside in malaysia and perform his role in malaysia, should be under malaysia taxing too ? no ?

just that i not sure how the malaysia taxing will be about to track this. Like someone mentioned, SG company pay direct to SG bank account. Not sure how malaysia government will be tracking ? as long as the guy dont declare , i cant find any reason LHDN will know his overseas earning .... maybe track by remittance from overseas ?

Tax issue again

but this time in MY dealing with LHDN, experience from my friend

he travel daily from JB pre-covid era, so consider as "tax resident" back in MY

he got investment in some commercial properties back in JB, but due to covid, he had to stay long term in SG, and did not went back to MY last year

recently he just gotten news that LHDN charging him 2020 tax for his commercial properties income with "non-resident" rate , since he did not went back MY to be qualified as "residential"

he say the percentage is 30%+

i think MY government really very hungry recently, just careful if anyone got investment back in MY