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 Working in Singapore V20, All About Living in The Little Red Dot

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post Jul 23 2017, 07:15 PM

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QUOTE(MyHeArtb3Ating @ Jul 23 2017, 05:20 PM)
I looking for the conversion, no intention migrate to sg tot, plan to work in singapore 3-4 years and save as much as i can then back to malaysia, seriously my nett income cannot save many living in malaysia, feel not secure without much saving in bank btw i 33 years old already.
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I see. That is fine if this is your plan. IT range is huge from different skillset, so I can't commend much, my personal view is slightly low (but acceptable range).
I am not sure how is your financial planning but RM7.7k is actually okay pay.
Coming to SG, there is nothing much except work work and work. If u like to hangout with friends, its a big no to come over unless u have same type friends here.
If u are married (and with kids), u should plan how much and frequent that u plan to go back (each trip by flight usually about SGD100 to 200 normal period, while peak period around 300).
U will also lose out EPF part (or CPF in SG) as EP/S pass holder.
A decent lifestyle in SG cost around SGD2k. Rental, mobile, public transportation, tax and meals are the main expense, some time u need to buy present for colleagues, farewell meals etc surely will spend more money.
Take home about SGD3k is doable.
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post Jul 24 2017, 09:33 PM

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QUOTE(Secruoser @ Jul 24 2017, 04:14 PM)
p/s: Good to know but not that important:
For a lady who doesn't like to be touched by men (even accidentally), is it not advised to take MRT? How about buses? Are they good enough to travel to work places? Also, I heard from someone who's worked in SG for 7 years, she said SG is generally safer than MY and no issue for a lady to walk alone at night, but there is a lot of weirdos and perverts? Can anyone confirm this and to what extent? Do I need to sweep my rented room for spy cameras or anything crazy?? Thanks!
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I would personally advise not to come to SG. What do u expect from a little dot? Everywhere is full of people around central area.
Indeed safer than MY. Ladies here can happily carry branded handbag everywhere they like.
On the other comment regarding to renting a room, SGD1k is sufficient for a condo room near to MRT.
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post Aug 8 2017, 08:52 PM

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QUOTE(tailtwist @ Aug 8 2017, 06:51 PM)
Google link

The position of the Singapore Government is that dual citizenship is not allowed.[8] The laws regarding Singapore citizenship are found in the Constitution of Singapore.

A dual citizen may have acquired citizenship by birth in a foreign country, by descent from a foreign citizen parent, or by naturalisation. Singapore citizens who voluntarily and intentionally acquire citizenship of a foreign country after the age of 18 may be deprived of their Singapore citizenship by the Government.[9] Foreigners who naturalise as Singaporean citizens are required to renounce all foreign citizenships.[10] Persons who are born outside of Singapore and have at least one parent who is a Singapore citizen may register with a Singapore consulate within a year to acquire Singapore citizenship by descent. However, such persons must renounce their foreign citizenship, if any, before reaching 22 years of age. The Constitution of Singapore is silent on a Singapore citizen who acquired citizenship by birth and is a foreign citizen by descent. So long as such a person refrains from exercising the rights of foreign citizenship, the Government has no grounds for depriving him of his Singapore citizenship and he may hold on to dual citizenship.

extracted from the link
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Yes I read this yesterday too after saw the discussion. I guess they get to hold dual citizenship until age of 22 right.


Happy Holiday everyone! Haha a very rare occasion that we have a holiday that is not in Malaysia's public holiday list biggrin.gif
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post Aug 13 2017, 01:04 AM

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QUOTE(funkyme @ Aug 12 2017, 06:08 PM)
hi all,
just wondering, since my EP is near to expire .
if we are going to renew, do we need to redo the chest x ray again ?
i heard some colleagues tell me just go any clinic for the blood test only. instead of SATA this time.
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At MOM discretion - I believe certain pass and nationality require that. My EP last time no med checks at all.


QUOTE(tailtwist @ Aug 12 2017, 11:52 PM)
Alternatively would be redhill/tiong bahru....got some direct buses...
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Tiong Bahru is very good location, but doubt anything at $700 for single room (unless shared common room).


QUOTE(em0kia @ Aug 13 2017, 12:24 AM)
I saw quite a few renting around SGD500. That's my budget... Thanks for the recommendation!
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If u are referring to those $500 at ibilik then I strongly suggest u to do more research and becareful. There are bunch of scammers there and posting "too good to be true" kind of rooms. Any room that is near to central will not be priced at $500 unless they are your family or relative lol biggrin.gif
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post Aug 22 2017, 10:34 PM

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QUOTE(GetHappy @ Aug 22 2017, 08:01 PM)
Hi all, im facing a dilemma like what many are facing earlier.

I am earning around 6.5k myr with 6 years+ experience and the sg recruiter/headhunter asked me whether would sgd4k work for me on the position the employer is looking at. Excluding AWS here. Mind you, its a regional position.

Thats around almost 40% reduction from my base now and I feel like somehow they are low-balling me. Recruiter even gave me reference of someone from KL earning 10k myr salary getting 5.5k sgd.

Recruiter is saying they are taking conversion rates into account for almost every position in Singapore for foreigners. And their calculation is after conversion would be 2k sgd and offering me 4k would be a 100% increment already.

Any comments?
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Salary range recommended is too low.
Personal view, don't bother to take up anything below SGD5k. Don't believe everything headhunter said or whatever reference, and that is a lousy headhunter.

Lastly, u will lose out EPF/CPF part when coming over until u got your PR.
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post Aug 26 2017, 12:23 AM

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QUOTE(strategist @ Aug 25 2017, 06:05 PM)
your friend must be 35 year old plus... think of the 10+ years where his rent pays for other peoples mortgage.

well.... I guess I can still get a property in Klang Valley if I want. just that I won't be able to afford any property in SG.

that will suck for quality of life, or any plans of long term stay  sad.gif 
yeah, finding a 3B2R condo is still possible at <RM500k range that is not too far from city centre (think <30km, no further than Puchong). 5k after deductions.
starting to slightly doubt my decision to go SG  sweat.gif . Pay isn't everything, I believe wealth management and your investment portfolio are actually more important to accumulate wealth. And passive income helps massively in quality of life
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That is the price that u have to pay when deciding to come over SG.

Just imagine if u are local SG and all kind of people just come flooding into your country, granted PR and bought houses here. These new PR/citizens ended up renting out their rooms to local SG and treat as investment. How is that fair to the local SG, I mean look it from their perspective. Personally, I felt the local SG themselves are having difficulty to buy their own house (not all of them are doing well as u know) and often u will see they get sponsored some fund from their parents to buy a house.

It's your pick, either quality of life or money (even better for those can have both or at least more balanced).

It is possible to buy a condo 500k in KV area with 5k after deductions. But again, lifestyle and financial planning is depending on individual. I bought my condo at 550+k two years back after about 4 years after my graduation.

Someone work in SG can possibly fully / advance paid their mortgage in MY in about 7 years time (Assuming by he/she is 35 years old) for 500k condo and continue to invest their portfolio over the years.
The same person work in KL will need at about 15 years time repay the same mortgage. The base and liquidity of portfolio is not much to be invest and multiplied over the years. Unless, kena TOTO, MLM, sales and scam/con people business haha.
The property market in KL is also not doing very well which is not a good time for flipper or those plan to rent and cover their loan. Holding longer eats up your capital gain from bank's interest.

I am sure many people working here invest in properties back in KV. By the age of 40 they probably own 3 condos and more in KV and maybe plan to retire soon haha.

It's give and take. Personal view and I am not some market or financial expert biggrin.gif
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post Sep 7 2017, 09:38 PM

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QUOTE(peterG @ Sep 7 2017, 05:59 PM)
Just received my PR approval letter from ICA after 6 months of waiting rclxm9.gif  rclxm9.gif

other than medical checkup report, is anything that i should take note before i attend the appointment to complete the formalities?
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Congratz Heart Pirates! wink.gif
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post Oct 9 2017, 09:52 PM

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QUOTE(tailtwist @ Oct 9 2017, 06:27 PM)
1) From Singapore/HDB perspective...they require you to sign and acknowledge that you don't any overseas properties in whatever country.

4) Not sure about this portion

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Good to have u sharing these details smile.gif

Just to add to everyone based on what I heard / learn from others.

Point #1, if they found that u own properties overseas, they will recall the HDB unit. I am not sure if they pay back or not, but definitely not market rate.

Point #4, yes renewal REP is 5 years now.

To everyone that is applying PR here, please be polite and nice to ICA officer. Respect the terms and conditions and all docs required. There are people that complaining long wait and rejected but never try to fulfill their requirement e.g. submitting complete docs, at least a proper documentation.
My personal experience, as long as u have good profile (e.g. income, education, skillset) and proper documentation, u will get your PR within 6 months after submitting docs.
There is no "how long" to wait for apply PR, but rather how strong your profile is.. Of course, 1-2 years exp is better than less than 6 months wink.gif
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post Oct 10 2017, 09:42 PM

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QUOTE(giorgene @ Oct 10 2017, 03:00 PM)
I am sponsoring my son for PR application, submitted documents Oct 2016, now already 1 year, still no news.. sad.gif
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Other than kevin613 said..
Its also depending on age of your son, and profile of yourself and spouse. That's my personal view anyway, not that I know what ICA officer/checklist.
It can varies from income level, employment type/industry, age of your son and spouse status. It can be hybrid combination.

On a side note, based on my observation SG is commercialized and realistic. As long as your family/kids can contribute to economic & workforce growth, they will surely approve it. But if u are nearly retirement age, withdrawing huge income, they will still consider and highly chance of rejection. They do see outlook of your contribution to nation haha.
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post Oct 18 2017, 10:14 PM

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QUOTE(Fiona Chin @ Oct 11 2017, 10:34 AM)
So frustrated right?
Any idea what will happen when old age retired can't work but plan to stay in SG for retirement? No more PR?
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No idea on this though. Anyone here can share some insight?



QUOTE(CreamMilk @ Oct 12 2017, 04:21 PM)
Have you got your SPR IC?
If yes, how long does it take for you to receive it from the day you complete the formalities?
And which method you choose? As i know you can collect from ICA, or iCollect, or send to Singpost.
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SPR IC can be collected next business day. However, need to make e-app though.



QUOTE(prikachin @ Oct 13 2017, 10:28 PM)
if the bank account offers good benefits and interest rate, im okay to fork out some money.
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Basic banking account = POSB & DBS..
If u have huge lum sum, then OCBC.



QUOTE(fhatz @ Oct 16 2017, 06:00 PM)
my fellow Malaysian working in SG ... need some view or opinion .. hope is not too P&C to share

since early this year I start looking for an opportunity outside from Malaysia(SG/middle east/etc)... start do my search and homework about it

since that most of the calls coming from SG and most of it from IT consultant agency ... did try 3x for F2F interview

I would like to know average expected salary for expat in SG? since they keep saying I cant refer to those website such as jobstreet or kelly service or glass door or others survey

Software Development (JAVA backend)
Diploma
7years experience

with above info, is it to much asking for SGD 5K?? i based on google search and friends working there they said 5k should be ok ... 1 friend working as Oracle Siebel consultant getting 5.2k for 4years+ experience, another one friend in another industry not IT related.

but they only willing to offer me SGD4k but i going to reject but still not reply them because first they said 4.8k before going F2F interview... another one 4.5K but no luck after F2F.
most reason is that was only budget for that position, considering my first time in SG, there is new law or salary draw by SG govt last year, and etc

here Im getting around RM 7.5k+- by end year will getting 2 months target bonus(need to get rating 3 during appraisal that consider normal rating)

SGD4k living in SG + married with 1 baby .. is it ok?  hmm.gif
ok yes i know SGD4k convert to MYR im getting more compared with current pay but is not that low? i dont want to get underpay and got cheated

here in Malaysia my colleagues from India or Philippines also getting RM4k+ for just 3 years experience some getting 6k for 5 years+ experience ... no much different with local malaysian .... we are too kind with expat?  shakehead.gif
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Agree with what other mentioned.
1) SGD4k vs. MYR7.5k = Too huge cut, not worth coming SG & always think it is not always 'greener' outside
2) Married with 1 baby = SGD4k is "very challenging", SGD5k is still challenging but manageable. But then again u give up comfort life in MY earning RM7.5k, but coming to SG probably live like "foreigner" (I won't say expat because expat income bracket is higher e.g. 120k p.a.) - Assuming that your wife is homemaker no income.
3) Consider your tax, EPF/CPF (EP doesn't have CPF contribution in SG), job security etc.

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post Oct 30 2017, 11:01 PM

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QUOTE(xtylish @ Oct 30 2017, 04:38 PM)
reapply means do the whole process all over again?

my current company is not so fond of this.
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When was it rejected? Just recently after 1 year?
How long have u been in SG when u got appointment to submit doc?

If re-apply again, yes whole process again from start.
Maybe your profile is not strong enough.


QUOTE(deodorant @ Oct 30 2017, 05:29 PM)
And also post a video of yourself singing majulah singapura and saluting the singaporean flag on youtube, then when the ICA officer google your name he/she might be impressed by your integration into society and approve.
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Haha I like your comment, but I wonder how many PR can sing the song.. hmm hmm.gif


QUOTE(aussiebum @ Oct 30 2017, 05:51 PM)
try to appeal if you want to within 6 months from the date rejection. i appeal after kena reject. n nothing improve from my first application but still approve after months. Of course if you think this is wasting time, you can rebook an appointment again.
they rarely send out you are welcome to apply again in xyz months anymore nowadays. Only you are welcome to reside on your EP  biggrin.gif or we call it kiss of death letter but it doesnt matter. Just keep on applying until you get it
its free anyway
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They no more sending xyz months letter? I thought that is standard process, last time (one year ago I think) one of my friend received the letter. Letter stated xyz months to re-apply again.

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post Nov 12 2017, 02:16 AM

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QUOTE(noslek @ Nov 4 2017, 01:45 PM)
Yes all AirAsia group’s flights departing from SIN on 7 Nov 2017 onwards will be in T4, regardless of when your purchase the ticket. I’m personally quite excited to check T4 out in Dec for my flight biggrin.gif
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I landed on T4 by AA on few days ago. More or less the same to me compared to other terminal, sort of standardized look but more spacious. I think there is no skytrain directly to T4, so all passengers was directed to queue up to take bus to T2.


QUOTE(OldKidz @ Nov 5 2017, 12:19 AM)
Got any formula on this or they are in specific field? My boss recently also asking me to apply for PR, worked here since Feb (8 months).

I am thinking should I wait for a year or should I jump into PR ship now.

Any sensei to advice?
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Depends on your profile, no formula everyone is unique and different from others. If your profile is strong can apply already by 5-6 months. Some time depending on luck also because every year they have quota, like clearance sales (higher chance when quota balance is high and vice versa). No idea when is their cut-off though, some said Feb some said Dec.


QUOTE(mitchell786 @ Nov 5 2017, 08:00 PM)
Hi, I need some help and suggestions here
I am a PR. Got a new job from Company A recently but haven't started working. I signed the employment contract (normal one not contractual bind) and the contract mentioned the employment will be started on the date of the contract which is the first day of my new job.
Then I got another offer from Company B which I thought I failed. It is a huge global firm and what I really wanted. I know it may ruin my reputation but I really want this job, better career prospects and growth, different career line though.
So the question is, will I get sued or blocked by MOM if I tell Company A I don't want this job anymore before I start working in 2 more weeks? There is no specific terms on the contract stating the penalty. But if I start the probation I need 7 days notice period.
Company B is okay I start to work in December so I still have buffer time to resign and serve 7 days notice period. Either way, it doesn't represent good on me but I want to lessen the impacts.
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If u have not started to work (physically) on new company A, and there is still time before your first day, then drop them an email and a call to inform them that u are officially declining their offer. There is no need to serve out probation if u have not started working because u have not entered the employment with them.
Since there is no penalty and contractual binding terms, u should formally notify company A that u have accepted another offer.
There should not be any issue with MOM especially that u are PR and it is free market.
But first, ONLY do the above once u have receive offer letter from company B.

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post Nov 29 2017, 09:54 PM

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QUOTE(kribrigdefoo @ Nov 29 2017, 01:35 PM)
Can someone kind enough to tell me how's the mrt crowd like from eunos to tanjong pagar?

If i start taking mrt from kallang mrt at 830am izit very crowded?
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If Kallang is still okay as long as after Payar Lebar, many passengers will interchange to circle (yellow) line. If u are taking from Eunos/Kembangan/Bedok then most of the time u need to squeeze like compact sardine and wait for about 3-5 turns.

To whoever working around CBD area, try not to stay around Eunos/Kembangan/Bedok area.
Speaking based on my own experience, I ended up pay little extra and move place after 1.5 years.
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post Dec 18 2017, 10:42 PM

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QUOTE(casalim @ Dec 18 2017, 11:02 AM)
$5k elite? are u kidding me?
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QUOTE(oldbirdsong @ Dec 18 2017, 11:15 AM)
3 yr exp you want 10K? or 20K?
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QUOTE(casalim @ Dec 18 2017, 02:57 PM)
min 5k la at least
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First, if u have a number in mind u simply can share it out and ask for an opinion.
Second, oldbirdsong's benchmark looks okay to me. And no, he is no kidding.
Lastly, u try ask around how many of ppl here earning min 5k with 3 years experience. Everyone can think how well or 'elite' they are, wait until u come here u will see there are many people are more 'elite' than others.
A neutral non-judgmental view, 3 years 5k definitely doable..
- U have strong heavy connection.
- Top 10% uni grads / 3 main local uni grads.
- U have proven track in your field e.g. factsheet of your achievement.
- Maybe some other talents (who knows, they just need to close a talent gap in their team)
- Luck (anything and everything, from desperate hiring, diversity, etc..)

Else, I don't know why someone hire some normal grads with that price.. Might as well hiring local grads or UK,US,Japan,EU grads..
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post Dec 20 2017, 10:27 PM

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QUOTE(casalim @ Dec 19 2017, 12:00 AM)
I think it depends what field you're in. The price depends on demand and supply. U believe java software engineer can get 8k with 3 yrs exp? if you're good yes! but compare to other field it just sounds impossible to get that much. Bear in mind java software engineer is still an executive, but.... it's a profession, you can't find this kind of talent on the street.

https://www.robertwalters.com.sg/jobs.html?...ation=singapore
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Actually it is not what field u are in, but how good u are.
Comparing different field is another wrong way of benchmarking because u can think how good is your field but surely there is another field is better than yours.
Position and title mean nothing, it is all about how much u are paid for the job.
Even I am not expert in your field, but sorry to say this "talent" u mentioned can be found in most part of the street on this tiny island.
I have seen fresh grads earn close to 120k p.a. and it is no surprise to me. Some can even earn more than 250k p.a. with bonus included with 2 years experience. Am I bluffing? No.. these are very common in IB..


QUOTE(casalim @ Dec 19 2017, 11:29 PM)
Will show you my.offer asap
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QUOTE(aussiebum @ Dec 20 2017, 10:49 AM)
no need to show me ur offer tbh. not really interested to know sweat.gif 

should congrats to urself finally making a decision after so many discussion  thumbup.gif
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Lol yea no need to show us.. U dont have to prove how much u earn but if u are coming, well congrats on your new job..


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post Dec 20 2017, 10:38 PM

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QUOTE(ldhong @ Dec 19 2017, 10:29 PM)
Lately did any PRs here received letter from CMPB?

In the letter, it is stated first gen PR is exempted from NS.

It is just a FYI kind of things.

Now only send letter to tell me.  sweat.gif
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Yes, me too lol!


QUOTE(coolguy99 @ Dec 20 2017, 11:41 AM)
Why would they subject a working male for NS? How is he going to feed his family
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If I am not wrong, they are paid allowance capped at some amount for the number of days that they serve NS.



QUOTE(sinned.dennis @ Dec 20 2017, 03:20 PM)
Hello! I'm in quite a dilemma, hope your experiences working in sg can help advise smile.gif

I'm offered a job in sg with a salary of SGD 4,600 plus 17% for the employer's CPF contribution in cash. I have also another offer of RM7,600 to work with MB Securities Services.

SG role is with middle office, servicing client queries. M role is back office fund accounting. In your opinion, is the SG offer worth it, considering the expenses there?

Thanks!
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It depends on what you want in your career and your lifestyle.
SGD5.4k vs. MYR7.6k is quite big trade-off..
U can live comfortably with SGD5.4k, but house and car is a big cost in SG. If this is not your top list then u will be fine.
With MYR7.6k u can easily afford to buy one unit of condo (middle tier) and one local car that u can drive around anytime u want.
SGD5.4k, u wont able to afford private condo, buying HDB will take some time to save money and fulfill the requirement. U definitely not afford to own a car in SG.
Other than that, expenses are not that far off from KL. Again, above is purely on income/expenses. U also have to consider the role offered in both sides.
At least, in SG u have a competitive platform and people are treated fairly (less differential treatment) and a safer place to settle down..


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post Dec 27 2017, 09:30 PM

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QUOTE(M4A1 @ Dec 27 2017, 09:38 AM)
dun like that leh bro...will update here...
will take bus from golden mile at 8pm this friday night and see what time i can get out  laugh.gif
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I am curious so will look out for your update. Personally, I don't think it is worth it if more than 8 hours..


QUOTE(Frank3 @ Dec 27 2017, 04:00 PM)
Last Saturday (23 Dec) i take bus from lavender to KL, 11am departure time, you guess what time reach TBS??? 10pm !!!!!!!!!!!!!!  rclxms.gif  rclxms.gif  rclxms.gif 

FYI 4pm still at johor kastam....(Tuas)
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QUOTE(Frank3 @ Dec 27 2017, 04:26 PM)
Lucky your bus very early, after 9am the jam stuck to half bridge, and it is TUAS !!! I feel like...zombie apocalypse in Singapore is it? Everyone must leave Singapore?? rclxms.gif  rclxms.gif

After jam, the entire highway packed, and a lot lot lot lot of road accidents, why cannot drive properly?? Why must rush? Maybe i am whining too much but i really cant tahan, this is my first time and last time.  ranting.gif
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It happened to me once as well! I was newbie that time and thought not a big deal 7-8 hours during some holiday period.. I ended up spent about 11 hours to reach destination (forgot KL-SG or SG-KL). And I tell myself I will never take bus anymore (especially holiday/long weekend timing).
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post Jan 13 2018, 10:56 PM

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I saw some discussion on salary and cost of living in Singapore.
On salary part, please don't use or ask people whether it is 1:1 or whatever. This is very bias comparison. Not everyone are paid the same in Msia, especially different locations where some have come from KL, Penang, Melaka and JB. U can definitely use 1:1 for your own comparison to gauge your risk and financial planning.
Same uni, same field, same specialization, same years of working experience doesn't mean each individual are getting paid about the same. Considering nature of biz, size of company, line manager/management and location (KL, Penang or JB) make huge different to individual's salary.
One Accountant in KL that earns RM8k doesn't mean every Accountant with same profile earn RM8k, and different locations with lower cost of living contributed to lower salary compared to KL.
U can earn RM8k in KL and offered SGD9k and telling people that u get salary increases even coming to SG. Maybe someone at your peers level or same profile as u are already earning RM10k and come to SG being offered SGD9k.

So please use salary benchmark to compare or use available market data to make comparison, Glassdoor is one of source u can go to. If u are too lazy to do your homework, then u should consider to stay put until u have the motivation to do your homework to come SG for work.

Cost of living in SG is definitely higher than KL/MY (This is assuming that u plan to settle down in SG, buy house, have kids and so on)
If u plan to live in JB or short term in SG then cost of living is not an issue for u. Work hard, save hard and go back.
Why I said SG is more expensive,
1) House (U can argue it is same price in KL or JB, but do u get same salary paid in SG?) U can buy new private unit condo 1000sqft in KL with RM650k, but can u buy private condo in SG with SGD650k?
2) Transport (If u are single, sure no problem. If u are married with small kids, then without car can be really troublesome) Kids need to go to school, emergency to clinic/hospital, grocers for family etc.
3) Insurance and medical (self-explanatory)

But if u plan to stay JB and work in SG for few years then go back to Malaysia, why do u want to make comparison? U already making 3 times more then your peers/friends in Malaysia (Assuming u get same salary in SG, and when the time u go back FX is still the same lol).
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post Jan 14 2018, 03:43 PM

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QUOTE(lawtm @ Jan 14 2018, 10:21 AM)
Mean spouse not working in singapore also can get PR? Maybe your friend earning alot tht why his wife also can get PR eventually she not working in singapore. Recently i also applying PR under spouse scheme tht pending around 7 months and both of us working in Singapore. Now not easy to get PR
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This is true. I know a colleague that got PR for his wife and apparently his wife is working & resides in KL during PR application.

QUOTE(kevin613 @ Jan 14 2018, 11:17 AM)
On the housing part, majority of Singaporean lives in hdb, so why is the comparison done with private condo? If you bought a hdb, you can service your monthly installment with cpf and possibly no cash out of your pocket, if you earn enough.
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Please read some salary discussion from previous pages, there has been some comparison between 1:1 SGD vs MYR etc.
Responding to your questions.
1) Are u the majority of Singaporeans? If not, defeat the purpose of this discussion.
2) As mentioned, there has been some comparison on salary in MY as compared to SG, whether 1:1 or paycut and even some with salary increases. My views are purely for Malaysian who wanting/working in SG and taking into consideration on salary comparison and cost of living.
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post Jan 14 2018, 04:41 PM

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QUOTE(kevin613 @ Jan 14 2018, 03:54 PM)
What I'm trying to point out is, the common affordable housing in Singapore is hdb, and not private condo. You don't need to be a Singaporean to buy a hdb. PR are eligible to purchase as well. Thus your comparison is skewed.
An average hdb can be had from $300k onwards, what can you buy with RM300k in KL? Something similar I guess, so it's not significantly more expensive if you are earning 1:1.
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We have each different views of how lifestyle and cost of living in MY and SG.
1) Yes u don't need to be Singaporean to own HDB, but can u buy if u are PR with Single status? Can u buy BTO? How is that skewed then.
In Malaysia, u can buy PRIMA and WIP without such constraint.
2) So how many % Malaysian/PR do u think earning 1:1 in SG? RM3k to SGD3k is common, RM10k to SGD10k maybe some, RM15k to SGD15k I don't know maybe 2 of 10? If earning is 1:1 there is no such comparison and discussion already. What's the point u already earning 3 times more.

An individual earn RM8k in KL can easily afford a private condo, decent car and live comfortably. Forget about car.
The same person come to SG probably earn SGD8k or lower. Even at SGD8k can the person afford to buy private condo? How long he/she need to save?
Have to consider wife and kids too?
Why do he/she want to buy govt housing if already earning RM8k?
The person have a choice to buy private or HDB even earning SGD8k?

U have your view, I have my view, that is fine. Ultimately, let's be transparent the land size of SG and MY is not the same.
Peace wink.gif

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