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 SGD 3000 vs RM 5000 SALARY, who win?

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mushigen
post Nov 27 2019, 01:18 PM

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QUOTE(PrincZe @ Nov 27 2019, 01:00 PM)
hi bonchi, can  i ask, if u get married in sg, can u register the same in malaysia as well?
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You need to visit Msia High Commissioner to register that marriage with Msia authorities. You will be given 2 copies of Msia marriage cert, and you still get to keep the Singapore marriage cert.

QUOTE(Bonchi @ Nov 27 2019, 01:07 PM)
you only need/can have one marriage cert and it is recognized from most countries. just need to declare and submit a copy of that cert in malaysia.
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+3kk!
post Nov 27 2019, 01:19 PM

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honestly i find folks who put these up don't really understand what moving to another nation means

often not you don't earn more, its just you spend different

one such example is in singapore, transportation by MRT is relatively possible ; BUT you don't have a car

as a single adult without any partners or what not, this is not a problem.

But once you add ahmoi, and if ahmoi hates the trains you are in trouble

and if you have kids and you need to walk 15 mins from your house to the nearest mall, its a problem

And in that sense Malaysia does indeed become much cheaper.

What singapore allows is you can scrape the barrel and go on an invest/spending spree. Like if you save tons of money and are a malaysian can spend on a house.

Or you can spend on a nice holiday due tot heir better exchange rate.

But there are costs to this, 3 years missing in your country tends to also mean that you wont have as many connections and cables in malaysia.

Which is one of the reasons why expats get "caught" thinking they can come back for a high ranking/pay job in malaysia. Most times hte company wont give it to you, cause they would prefer to hire someone they know personally.
mushigen
post Nov 27 2019, 01:20 PM

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QUOTE(melt @ Nov 27 2019, 01:16 PM)
you cant convert when you work in SG.

can you get RM4.30 with fried chicken and 2 vege in MY? Even RM5 in city area is almost impossible
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Do read the original post which I quoted. Nobody said we can get 1 chicken and 2 vege for RM4.30.
cloudwan0
post Nov 27 2019, 01:20 PM

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QUOTE(mushigen @ Nov 27 2019, 01:00 PM)
Which bank is offering such low rates? Please share.
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Only for the first one or two years, average is 3%
+3kk!
post Nov 27 2019, 01:22 PM

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QUOTE(cloudwan0 @ Nov 27 2019, 01:18 PM)
Not sure how you all getting that 20k myr better than 10k sgd...
As per my observation, sgd10k living better than 20k myr...

SG housing loan rate between 2~3%, MY between 4~4.5%
SG got HDB, monthly pay using CPF, SG employer contribute 17% vs MY 13%
SG income tax lower 15% vs MY 24%

Car and petrol both about the same (no conversion), civic turbo 120k, petrol around 500, but this in SG is optional
Personally I drive Audi A4, I spend about 400 petrol and 300 for toll and parking

Food price, for example ding tai feng, dinner for 4 cost sgd80~100 vs myr 160~250, order about the same thing, my personal experience.

Bills SG better, cheaper telco, internet, electricity but water is expensive, every month about sgd250, in MY I spend about myr600

Talk about education, SG childcare is expensive, primary/secondary schoo is free, tuition fees in SG is sgd20-40 per class, I think Malaysia also about the same or cheaper
but SG will save you a lot when come to university

Due to the currency rate, buying luxury things and travel, sgd always better compare to myr, Rolex 10k sgd vs 30k myr...
So I’m no sure why you all think myr20k is better living compare with sgd10k
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you don't own the house in SG, so theres that

in some sense its cheaper but its not exactly the same
mushigen
post Nov 27 2019, 01:23 PM

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QUOTE(cloudwan0 @ Nov 27 2019, 01:20 PM)
Only for the first one or two years, average is 3%
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Exactly. Hence, for him to proclaim home interest is 1.6-2% there is misleading.
dadurtyz
post Nov 27 2019, 01:23 PM

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Singapore still worth it even if u stay there and rent a room, most of the meal, u can get around 5-10dollar/meal at hawker centre

Bonchi
post Nov 27 2019, 01:26 PM

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QUOTE(mushigen @ Nov 27 2019, 01:18 PM)
You need to visit Msia High Commissioner to register that marriage with Msia authorities. You will be given 2 copies of Msia marriage cert, and you still get to keep the Singapore marriage cert.
*
yeah and it will cost about RM20.. and must be done within 6 months or will be charge a fine of RM150? im not too sure.. currently im also deciding between to ROM in SG or Malaysia before going down under laugh.gif ... i think it's much easier to just do it in malaysia as a msian.
JoGaki
post Nov 27 2019, 01:27 PM

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TS

Work in Brunei la.. tax free same currency
Phoenix_KL
post Nov 27 2019, 01:28 PM

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sinkie
irise.ufall
post Nov 27 2019, 01:30 PM

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QUOTE(aeonbig @ Nov 27 2019, 01:18 PM)
Is it in business area or food court?
Because last year I go there travel there only cost SGD3 for a kuey tiaw soup.
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I was giving an example only. Price varies. U can get cheaper or more expensive depends on the area.
mushigen
post Nov 27 2019, 01:31 PM

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QUOTE(Bonchi @ Nov 27 2019, 01:26 PM)
yeah and it will cost about RM20.. and must be done within 6 months or will be charge a fine of RM150? im not too sure.. currently im also deciding between to ROM in SG or Malaysia before going down under laugh.gif ... i think it's much easier to just do it in malaysia as a msian.
*
B4 that, do check the rules regarding marrying a work permit holder if you're a PR.
Lada Putih
post Nov 27 2019, 01:32 PM

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QUOTE(testinglabha @ Nov 27 2019, 09:39 AM)
Let discuss this Scenarios:

Malaysian stay at KL, earn RM5000 salary

VS

Malaysian stay at Singapore, earn SGD3000 salary

Who actually earn more if both of them continue Live Same Lifestyle (No "Kuli" life, but not luxury life either, just comfortable middle class life)?

p.s. do consider stuff like EPF thingy, etc
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Work in sg rather
Amount of stress is the same anyway
PrincZe
post Nov 27 2019, 01:32 PM

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QUOTE(mushigen @ Nov 27 2019, 01:18 PM)
You need to visit Msia High Commissioner to register that marriage with Msia authorities. You will be given 2 copies of Msia marriage cert, and you still get to keep the Singapore marriage cert.
*
QUOTE(Bonchi @ Nov 27 2019, 01:26 PM)
yeah and it will cost about RM20.. and must be done within 6 months or will be charge a fine of RM150? im not too sure.. currently im also deciding between to ROM in SG or Malaysia before going down under laugh.gif ... i think it's much easier to just do it in malaysia as a msian.
*
thank u both. i am thinking either to register in malaysia or sg also. i am malaysian, gf is singaporean.

once marry, can get PR in sg. i am thinking what can she get at malaysian? dependant visa that can work? she cant get PR right?
mushigen
post Nov 27 2019, 01:33 PM

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QUOTE(+3kk! @ Nov 27 2019, 01:19 PM)
honestly i find folks who put these up don't really understand what moving to another nation means

often not you don't earn more, its just you spend different

one such example is in singapore, transportation by MRT is relatively possible ; BUT you don't have a car

as a single adult without any partners or what not, this is not a problem.

But once you add ahmoi, and if ahmoi hates the trains you are in trouble

and if you have kids and you need to walk 15 mins from your house to the nearest mall, its a problem

And in that sense Malaysia does indeed become much cheaper.

What singapore allows is you can scrape the barrel and go on an invest/spending spree. Like if you save tons of money and are a malaysian can spend on a house.

Or you can spend on a nice holiday due tot heir better exchange rate.

But there are costs to this, 3 years missing in your country tends to also mean that you wont have as many connections and cables in malaysia.

Which is one of the reasons why expats get "caught" thinking they can come back for a high ranking/pay job in malaysia. Most times hte company wont give it to you, cause they would prefer to hire someone they know personally.
*
This. I dare say you are either working in Sg or have been there before.

mushigen
post Nov 27 2019, 01:36 PM

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QUOTE(PrincZe @ Nov 27 2019, 01:32 PM)
thank u both. i am thinking either to register in malaysia or sg also. i am malaysian, gf is singaporean.

once marry, can get PR in sg. i am thinking what can she get at malaysian? dependant visa that can work? she cant get PR right?
*
Please do not assume you can get SPR once you marry a Sgp girl. It doesn't work that way.
For her to get My PR, IMO is even more difficult that you getting SPR.

If you're a work permit holder, do clarify with the authorities whether you're allowed to marry a Sg girl. Love itself may not be enough.

hjffgjng
post Nov 27 2019, 01:36 PM

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QUOTE(afoka @ Nov 27 2019, 11:23 AM)
Come to Oman la dey... OMR 1 = MYR 11.00

Tuka duit kat exchange in london also feel richest.
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How
PrincZe
post Nov 27 2019, 01:38 PM

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QUOTE(mushigen @ Nov 27 2019, 01:36 PM)
Please do not assume you can get SPR once you marry a Sgp girl. It doesn't work that way.
For her to get My PR, IMO is even more difficult that you getting SPR.

If you're a work permit holder, do clarify with the authorities whether you're allowed to marry a Sg girl. Love itself may not be enough.
*
thanks again. i am holding EP, for now.

will clarify with authorities as well. cause in long term, i wanna move back to MY. but only question i have is, will she be able to work? confused.gif
Bonchi
post Nov 27 2019, 01:39 PM

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QUOTE(PrincZe @ Nov 27 2019, 01:32 PM)
thank u both. i am thinking either to register in malaysia or sg also. i am malaysian, gf is singaporean.

once marry, can get PR in sg. i am thinking what can she get at malaysian? dependant visa that can work? she cant get PR right?
*
it'll be better if you get your PR first before the ROM. depending on what you do, getting a PR now is much faster than years before.. and more streamlined as it has gone fully electronic. No need to book appointment 6 months in advance etc anymore.

good news is youre the husband and you're malaysian. it's just a lengthy process to get a malaysian PR but it has a way higher approval rate as compared to the opposite if the husband is a sgrean and the wife is malaysian.
Bonchi
post Nov 27 2019, 01:40 PM

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QUOTE(mushigen @ Nov 27 2019, 01:31 PM)
B4 that, do check the rules regarding marrying a work permit holder if you're a PR.
*
Thanks. thankfully we're both PR so our options are less complicated biggrin.gif

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