any other tips or tricks to earn from saving account + credit card?

2 years experience
food: go pasar food court lo, chicken rice 2.5-3, dai chow 3 can get. when I am very tight I try limited $10 a day. Go air con kopitiam sure have to pay 3.x to 5 a plate/bowl

tax here is much lower ba even without deduction for foreigner. if you convert you save even more.

All the aunties and uncles here so kesian, so old still need to work as a cleaner,
I don't think this is for pass time, I believe this is because they have not enough $$ to survive

Yea, intend to get citizenship to enjoy BTO, housing Grant, baby bonus, childcare leave, 4 months maternity leave (for my love), cheaper education...and etc.

Just because Husband is the citizen, wife Maternity leave become 4 months?

Consider it as forced savings. Plus, being PR, you still have the choice to leave the country and take this money with you. Not saying you should, but the option is there.

I would be more worried about having childre  as PR. Since you still have to pay a higher rate and your male child will have to go through NS. If he doesnt, he will never be able to step foot inside sg again.

Lets say u already have existing male child before pr. U think gomen will grant you pr without the golden ticket aka your son?

Doubt it.

Serious? Is that reasonable? 
From what I gather, most people in this forum hardly able to get 1:1 let alone an increment.

Im hoping for a 1 :2 move leh when i go back....

anyone here with hsbc visa infinite or citi prestige?

pros & cons for each? i'm mainly looking for the travel benefits.

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

do you guys think that it is worth to accept in order to gain entry first?

Oh is it? even after letting go off my PR? i still have to wait until 50yo?

I do know that Sabah and Sarawakians can withdraw in full but I tot they dun have to let go PR and still able to withdraw lumpsum

Hey I came across your post in the v19 thread on how finance is overrated in SG. It would be helpful if I can get some advice from you. I've gained entry into a Top 10 uni in the world and am weighing my options to finance my education. If I agree to receive a scholarship from one of the many institutions in Malaysia, I would be subjected to serving my bond in Malaysia for 6 years whilst receiving only pitiful remunerations as compared to the global standards. My question is how accessible is the financial sector (IB/HF) to Malaysian fresh graduates from overseas? Also, how do BB in SG view people from the Malaysian financial sector? Are the doors open to those from Malaysia at the VP level or are they essentially closed to those outside the BB circle in SG? Thank you in advance for answering my questions.

That's the thing though, as iceypain mentioned above, it is not easy to move from KL to SG since the experience is so different. Counterintuitively, it might be easier to break in as a fresh grad, since a lack of experience (other than internships) isn't a disadvantage for an analyst role in IB. Trying to break into PE/HF as a fresh grad is a whole other beast though.

That's what I heard as well. Networking and connections play a much larger role in hiring here in Asia compared to other parts of the world. I am of course aware of the rigor of IB, but I think the learning opportunities are unparalleled and the skills are easily transferable when leaving the industry. I think the pros outweigh the cons, at least for me.

So true

From what I observe the trend is changing. In the past young bankers will brag to the ladies about which bank they work(When I started work there). Now they are silent because they are perceived to be as bad as politicians. It seems to be a taboo to be associated with them now. All thanks to GS connections with the politicians, they gave the industry a bad name

http://www.uncoverdiscover.com/humour/most...ssions/bankers/

You have good tastes in cars bro, BMW 330e. I like BMWs too but I've heard too many complaints about frequent faults with the car. Not that there's a faultless car but recently the Audis with their new virtual cockpit really caught my fancy.

Another thing is... SG car max life = 10 or 20. Not like M'sia car can go 40 50 60 as long as it don't breakdown and the maintenance cost is reasonable

I think if one's motivation to head into the industry is money and glamor, disappointment is inevitable. It's good that you figured out what you really wanted and were able to make your own choice. When you say management, do you mean asset management or a corporate finance type of role?