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 SGD 3000 vs RM 5000 SALARY, who win?

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Bonchi
post Nov 27 2019, 10:29 AM

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QUOTE(xtylish @ Nov 27 2019, 09:58 AM)
it is illegal for the employer to charge employee levy.
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it's illegal to deduct but most will offer and justify the low pay by using the levy as an excuse. Deswai many malaysians think can get 3K but offered 2K+ here laugh.gif
Bonchi
post Nov 27 2019, 10:35 AM

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QUOTE(jojolicia @ Nov 27 2019, 09:54 AM)
Income wise, u shd be comparing (assuming rm5k is gross & $3k is net for non-pr)

1) rm5000+16%(employer epf contribution)
2) $3000>rm9000(inclusive of your 11%+16% employer as self contribution of epf)

U do the math here(less cost of living BTW bothside) Do consider career advancement, children education etc etc. No right or wrong here, depending what is your planning
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This...
and not to mention 3K SGD have almost negligible income tax less than 200SGD .... but RM5K tax bracket you get back 4.2K a month.
Bonchi
post Nov 27 2019, 10:39 AM

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QUOTE(kenji1903 @ Nov 27 2019, 10:21 AM)
1. that range no where near middles class
2. you are slightly better off with SGD5k compared to RM5k, thinking that you can have RM15k lifestyle with SGD5k salary is just plain doh.gif
3. RM5k and SGD3k won't get the same lifestyle... don't cheat yourself
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agreed. RM15K already driving BMW and traveling 3-4 times a year, while SGD5K only stuck in pigeon hole with 6 digits in the bank account because it's stupid to buy a car and company dont approve leave to travel laugh.gif (not enough public holiday as well)


and SG kiasu culture is challenging each other who got it cheaper, while malaysian kiasu culture is challenging who paid more. So if assimilated into SG kiasu culture, one will end up saving even more laugh.gif

This post has been edited by Bonchi: Nov 27 2019, 10:43 AM
Bonchi
post Nov 27 2019, 10:46 AM

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QUOTE(MeToo @ Nov 27 2019, 10:44 AM)
Which alternate malaysia dimension you can drive BMW and travel 3~4 times a year with just a RM15k salary? Travel to Melaka issit?
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millennials berlambak yo. we call them the "moonlight tribe" which translate from chinese to everymonth savings 0 gang. laugh.gif
Bonchi
post Nov 27 2019, 10:47 AM

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QUOTE(mushigen @ Nov 27 2019, 10:14 AM)
Sgd1.50... again, please share the location. This kind of pricing could not be had even 25 years ago.
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NUS canteen laugh.gif almost everything there less than 3SGD laugh.gif
Bonchi
post Nov 27 2019, 10:56 AM

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QUOTE(mushigen @ Nov 27 2019, 10:54 AM)
Been there before. Cheap but not to Sgd1.50 level lah.
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economy bihun and one sosej.. i think can get 1.50. but definitely not satisfying haha....
Bonchi
post Nov 27 2019, 11:02 AM

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QUOTE(kenji1903 @ Nov 27 2019, 10:55 AM)
Malaysian girls in general are well sought after in Singapore... don't even stand a "maybe" chance as a Malaysian guy laugh.gif
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i tend to feel singkie girls are less materialistic and more conservative than msian girls.
So I guess the sought after are by your definition is for the fun by sg guys.
You'd be surprised that theres a demand for msian guys because to the eyes of SG girls. SG guys are all useless hamsap mommy boys.
while SG girls may sound nice. you gotta get used to their accent which sounds like they're permanently whining.
Bonchi
post Nov 27 2019, 11:04 AM

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QUOTE(kenji1903 @ Nov 27 2019, 11:01 AM)
Singaporeans I know spend quite a bit... they keep upgrading their properties from HDB to private and cars from Jap to Contis... cainis will always be cainis laugh.gif

RM15k not that much also... 3-4 times travel a year will be like 2 times Melaka, 1 time singapore, and 1 time thailand... then then next year can't go anywhere already laugh.gif
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yeah.. SG spending tends to be mostly on properties. cars maybe for the 10K SGD class. but the majority will save their money to their graves laugh.gif

got la... airasia promo all book a year in advance. then go backpack and live in airbnb/hostel.. eat 1 time luxury for the photo and the rest of the trip from convenience shop.. or cook instant noodles... janji end of day get the instagram shot...

This post has been edited by Bonchi: Nov 27 2019, 11:10 AM
Bonchi
post Nov 27 2019, 11:07 AM

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QUOTE(kimjiwon @ Nov 27 2019, 11:02 AM)
If RM20k in Malaysia, will you consider SGD10k in Singapore?
Let say you have wife and kids.......for sure single probably will choose SG cause kids education, tuition, lifestyle is quite expensive in SG
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if got kids definitely SG ironically because of the superior education system. heck many pr msian convert to citizen in SG just so that they can get slots for their kids and hopefully place them into NUS/NTU.
Bonchi
post Nov 27 2019, 11:18 AM

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QUOTE(fuzzy @ Nov 27 2019, 11:13 AM)
Sinkie girls are way more materialistic. They are just not that bothered about M'sian or SG boys given the international options they can choose from.
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their materialistic is from their own spending instead of receiving as gifts... that's what i observed. Just like why some guys buy rolex as a token of achievement... maybe this is due to the spending power.

However their criteria is for a guy might be tougher than materialistic gifts: is to have a fat enough CPF to BTO a HDB the moment they ROM laugh.gif
Bonchi
post Nov 27 2019, 11:22 AM

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QUOTE(kimjiwon @ Nov 27 2019, 11:11 AM)
SGD10k/month with the kids spending in SG would not have the lifestyle for RM20k/month in Malaysia. So means you would like sacrifice the lifestyle and less saving (compare to stay in Malaysia) for your kids better education in SG. Remember that tuition fee and expenses in SG are much higher, and to save more you need to trade off by taking public transport rather than have your own car
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Many parents are willing to sacrifice lifestyle to secure the kid's future. Not having a car is probably just a small sacrifice... considering the transport options they have in SG... And tuition fee is heavily discounted for pr and citizen... consider dollar to dollar, it's actually cheaper than msia for higher education... not to mention scholarships for their citizens too.
Bonchi
post Nov 27 2019, 11:32 AM

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QUOTE(kenji1903 @ Nov 27 2019, 11:17 AM)
are we talking about the same Singapore? sweat.gif
in my circle... Singaporeans i know won't bat an eye on a Malaysian unless you are from a higher financial status... there are good neutral ones as well but mostly are the not laugh.gif

i know a lot of Singaporean who have Malaysian wives

where are you located bro?
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maybe because i mixed with mostly average working class and not the atas business executive kind so maybe that'e why our perspective is different.
there are plenty with msian wives and even those dudes who became husbands to sgrean ladies (infact getting a msian husband more win.... no need worry of reservist and can use husband to invest in malaysian assets and get dependent visa to stay in msia long term) perks that sg men dont get with msian wives.

ayam currently in SG but not for long. in the progress of going down under mate laugh.gif

This post has been edited by Bonchi: Nov 27 2019, 11:42 AM
Bonchi
post Nov 27 2019, 11:41 AM

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QUOTE(fuzzy @ Nov 27 2019, 11:25 AM)
Nope, they are even more materialistic. They compare really really hard with their peers about everything from the education to what their partners do/earn, etc...

They have spending power so they expect their partners to have even more.

Once you get out of the major cities in Malaysia, you will find partners that are way less materialistic simply because the environment isn't there.
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kampung then cannot say la. but in terms of KL the demands are actually way much higher i feel.. and dont forget the whole island of SG can fit inside klang valley.... in terms of environment.

The gap in SG amongst the working class is actually not that big as compared to malaysia where one spot up the ladder can be 1 digit extra... deswai you dont see them throwing around materialistic comparison like branded bags but rather on their partner's career and their kid's achievements.. (i dont think that's considered as material but rather being vain)

for example between a wealthier businessman vs an accomplished doctor ... in SG the doctor would have a higher winning chance in the battle of the tai-tais, while in malaysia, the tai-tais would be comparing their branded bags, cars and diamonds without involving the husband.

This post has been edited by Bonchi: Nov 27 2019, 11:59 AM
Bonchi
post Nov 27 2019, 11:51 AM

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QUOTE(PrincZe @ Nov 27 2019, 11:47 AM)
If Sg wife marry to Malaysian male, then what option for wife to get visa? Is it just dependant visa? Can work?
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yes. can work hnghhhhh and can apply for PR too. from what i heard, it's easier to get approval if the husband is malaysian as compared to the wife.. deswai most singaporean PR couples with sacrifice the wife's malaysian citizenship to keep the "best of both worlds"
Bonchi
post Nov 27 2019, 12:26 PM

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QUOTE(kenji1903 @ Nov 27 2019, 12:17 PM)
why in the world do you want to do that :confused:
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9 months of better weather laugh.gif
Bonchi
post Nov 27 2019, 12:50 PM

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QUOTE(kenji1903 @ Nov 27 2019, 12:31 PM)
lol... that 3 summer months will make you wish you were never there laugh.gif
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welp.. just nice it's in the end of the year.... so plan long leave during that time especially during the peak laugh.gif
Bonchi
post Nov 27 2019, 12:57 PM

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QUOTE(Lester1987 @ Nov 27 2019, 12:54 PM)
Sifu please teach me how?

Myvi 56k, 10% d/p for 5 years loan. my monthly now is RM903.
House, 10% D/P, every 100k loan on average monthly you need to pay RM550. assume 10% D/P. your housing installment is RM2250.

house + car = RM3.2k. Your RM5k after EPF and Tax is around RM4.2k. Your house no need maintenance fees? Internet tak payah? kereta pakai air? makan angin?  sweat.gif
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to own a car.. doesnt mean he has to drive it laugh.gif take lrt jugak in the end trolololol.
Bonchi
post Nov 27 2019, 01:07 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 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.
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.
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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.
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?
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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.

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