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

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Blues89
post Apr 18 2017, 10:40 AM

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thats weird lol...so white card useless d?
momijigari
post Apr 18 2017, 11:02 AM

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QUOTE(KilJim @ Apr 18 2017, 09:58 AM)
Hah!
Good that they're implementing these things then

A lot of hypocrites in Malaysia, complain about a corrupt government then turn around and do things like this
Taking a loan and not repaying on purpose, what's the difference from swindling money?
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I don't think it crosses their head when they decided not to repay. Not looking at the whole picture until things escalated and shit hits the fan..
Younger generations would have made to "pay" for all these.


QUOTE(aLertz @ Apr 18 2017, 10:21 AM)
it's a good move...
if borrow loan, then should pay back...don't take things for granted laugh.gif
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nod.gif nod.gif
knwong
post Apr 18 2017, 11:09 AM

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QUOTE(momijigari @ Apr 18 2017, 11:02 AM)
I don't think it crosses their head when they decided not to repay. Not looking at the whole picture until things escalated and shit hits the fan.. 
Younger generations would have made to "pay" for all these.
nod.gif  nod.gif
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There's a forumer here who successfully converted to S'porean and mention of not wanting to pay PTPTN.
momijigari
post Apr 18 2017, 11:17 AM

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QUOTE(knwong @ Apr 18 2017, 11:09 AM)
There's a forumer here who successfully converted to S'porean and mention of not wanting to pay PTPTN.
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It's his/her choice. Might have to think if there's need to ever set foot in Malaysia or risk getting his comeuppance eventually.


News on PTPTN
Fiona Chin
post Apr 18 2017, 11:47 AM

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QUOTE(momijigari @ Apr 18 2017, 11:17 AM)
It's his/her choice. Might have to think if there's need to ever set foot in Malaysia or risk getting his comeuppance eventually.
News on PTPTN
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Penny wise pound foolish. By the way, how much the PTPTN loan normally? So nice first class got discount some more.
momijigari
post Apr 18 2017, 12:06 PM

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QUOTE(Fiona Chin @ Apr 18 2017, 11:47 AM)
Penny wise pound foolish. By the way, how much the PTPTN loan normally? So nice first class got discount some more.
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It depends on the course I think. Could be anything from few thousands to 70K?
Almost 4% obtained first class which they cannot afford to waive every first class anymore.. and half of them not making any repayment yet. Just painful to read.

crazy25kid
post Apr 18 2017, 12:26 PM

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QUOTE(coolguy99 @ Apr 18 2017, 10:26 AM)
yeah i worked in sg before but the officer couldn't have known...i was like heading to the ALL PASSPORT queue like a normal tourist and the officer just directed me to the automated gate. maybe they have upgraded their system and we are like the "white mouse" trying out their new upgrade?
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i think newly implemented
i saw it on the tv while queuing at counter during cny.
i think cause during entry, your details are captured, so when they exit, they can use the autogate.
now even pr need to scan fingers at counter.

ThanatosSwiftfire
post Apr 18 2017, 12:30 PM

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Doesnt ptptn have guarantors? Cant they go after parents if one of their kids dont pay?
KilJim
post Apr 18 2017, 12:43 PM

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I'm sure there's a lot of things they can do if they want to treat it like a normal loan from a bank
Easiest is bar them from getting any bank loans, can't buy cars or houses

I feel they're very lenient cause its a gov education loan
And also that it's such a huge base of non-paying people, suddenly implementing something really strict will have a big impact
veger_leong
post Apr 18 2017, 01:07 PM

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When you guys opening bank account, do your need the utility bill/tenancy agreement with your name on it?

momijigari
post Apr 18 2017, 01:28 PM

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QUOTE(ThanatosSwiftfire @ Apr 18 2017, 12:30 PM)
Doesnt ptptn have guarantors? Cant they go after parents if one of their kids dont pay?
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Is anyone's guess.
They didn't bar anyone from applying loans, credit card and leaving the country years ago.
Would rather pay up to have that peace of mind.

It also doesn't take a genius to think that money loaned out by the government are collected through taxes?
XiuKeong
post Apr 18 2017, 01:49 PM

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When you borrow, you pay lo. Not like even Rm50 also cannot afford to pay, that's like a mere S$16 only.

Save few cups of "atas" coffee and you can pay.
jojolicia
post Apr 18 2017, 02:17 PM

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QUOTE(momijigari @ Apr 18 2017, 08:02 AM)
I've heard of this anecdotally but it's first time happening to someone I know, so got carried away a wee bit.
Anyway, I am glad they are doing something/initiating to collect back the money they loaned out.
There are few possibilities - don't think she doesn't has the money to pay since the monthly payment is pretty affordable.
1. Being ignorant
2. Heck care about the system
3. The usual hide and seek from the creditor - pay later
This is not as bad as being blocked at the checkpoints/airports but yeah the authority is doing it in full force which is commendable.

Few years back, I have another colleague (now ex-colleague) who told us it's stupid to pay back PTPTN rclxub.gif . Just imagine someone really needed the money to further their studies and there's nothing left in the coffer.
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one way, gov can do is block employers from contributing epf $$ to employees epf account of those blacklisted,
then
auto channel/divert employer's $$ epf contributions to ptptn account/office to clear debt directly.

This post has been edited by jojolicia: Apr 18 2017, 02:24 PM
deodorant
post Apr 18 2017, 02:39 PM

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QUOTE(coolguy99 @ Apr 18 2017, 10:15 AM)
now even foreigners can use the automated gates? i just came back from singapore for vacation and when i was passing through immigration the officer directed me to the automated gate which i thought was for singapore pr / citizen only. and i managed to pass through without surrendering the departure card.

QUOTE(aLertz @ Apr 18 2017, 10:21 AM)
as far as i know, those with working pass are able to use the automated gates...
not sure bout tourists though...

QUOTE(coolguy99 @ Apr 18 2017, 10:26 AM)
yeah i worked in sg before but the officer couldn't have known...i was like heading to the ALL PASSPORT queue like a normal tourist and the officer just directed me to the automated gate. maybe they have upgraded their system and we are like the "white mouse" trying out their new upgrade?

Since at least beginning of this year I think. My parents came to visit and when they came in the (airport) immigration officer gave them a small flyer inviting them to just go ahead and use autogates on their departure. No need to surrender white card.
CreamMilk
post Apr 18 2017, 03:27 PM

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hi all, quick question. When you are on EP and changed new job, new employer apply a new EP for you, would you FIN number change as well? Or remain the old FIN number?
Thanks a lot.
knwong
post Apr 18 2017, 03:49 PM

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QUOTE(CreamMilk @ Apr 18 2017, 03:27 PM)
hi all, quick question. When you are on EP and changed new job, new employer apply a new EP for you, would you FIN number change as well? Or remain the old FIN number?
Thanks a lot.
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Same FIN number. Why change job?

CreamMilk
post Apr 18 2017, 04:39 PM

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QUOTE(knwong @ Apr 18 2017, 03:49 PM)
Same FIN number. Why change job?
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Hi thanks for the answer~
Not changing yet, still looking, just want to confirm about the FIN as it is very trouble to update relevant party.
IwanAGP
post Apr 18 2017, 06:40 PM

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QUOTE(XiuKeong @ Apr 18 2017, 01:49 PM)
When you borrow, you pay lo. Not like even Rm50 also cannot afford to pay, that's like a mere S$16 only.

Save few cups of "atas" coffee and you can pay.
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Mine is like RM300/month leh... Total up if fully paid by installment will be around 80k. But my mum pay for me monthly by force. Then I bank in back to her biggrin.gif She very worry I cannot exit MY at immigration.
XiuKeong
post Apr 18 2017, 07:36 PM

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QUOTE(IwanAGP @ Apr 18 2017, 06:40 PM)
Mine is like RM300/month leh... Total up if fully paid by installment will be around 80k. But my mum pay for me monthly by force. Then I bank in back to her biggrin.gif She very worry I cannot exit MY at immigration.
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Same lo. Just that sometimes in difficult situation I will pay lesser.
JurgenKlopp69
post Apr 18 2017, 07:49 PM

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QUOTE(K1d0 @ Apr 17 2017, 08:33 AM)
Hi guys, if i buy electronic item here at SG, just 1 unit and bring back Malaysia by bus, will I get tax at JB Custom side? Let's say I dint remove the item from box, but box have been unwrap.
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Just remove all the wrappings/box plastic bag & put the electronic item in your bag instead .. act like u have been using for quite a while already then u shld be fine ... remember to tear/remove away the price tag as well ! biggrin.gif

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