Singapore Expats

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by malcontent
Fri, 24 Jul 2026 1:07 am
Forum: Financial Investment
Topic: Bankers only like to push in-house products?
Replies: 1
Views: 332

Re: Bankers only like to push in-house products?

I find it rather amusing that bankers seem to push on what company tells them to sell or pushing hard on their in-house funds..Quite a conflict of interest in that sense and not recommending a product that's really worth. What platforms do you use to locate suitable funds to invest? O:) It should c...
by malcontent
Wed, 22 Jul 2026 10:49 am
Forum: International Schools
Topic: Affordable International School
Replies: 9
Views: 19580

Re: Affordable International School

Businesses in Singapore have been known to collect money from customers and then go bust, leaving the customers without refunds or recourse. I would be cautious about any new schools that have deals that seem too good to be true. Just saying.
by malcontent
Wed, 22 Jul 2026 10:31 am
Forum: Careers & Jobs in Singapore
Topic: today is the last day for topping up CPF/SRS and Jan 1 is the first day to top up again
Replies: 166
Views: 260067

Re: today is the last day for topping up CPF/SRS and Jan 1 is the first day to top up again

For those of you following this thread - a very useful subreddit has started. It is interesting to see how few Singapore high earners maximise their tax deductions with either SRS or CPF VC. https://www.reddit.com/r/singaporepayslips/ In my view, a tax deductible CPF VC to a CPF account earning 4%+...
by malcontent
Sun, 19 Jul 2026 9:51 am
Forum: PR, Citizenship, Passes & Visas for Foreigners
Topic: 5th time PR Applicant 2024 - Need your advice!
Replies: 12
Views: 12078

Re: 5th time PR Applicant 2024 - Need your advice!

Hi ask, I do not remember the exact term ICA used but I submitted the salary-credit account bank statement. That and latest 6 months payslips. I think the request could be specific depending on your profile. It is possible they want to check on my financial situation, how much of my net worth is ro...
by malcontent
Sun, 19 Jul 2026 9:10 am
Forum: Domestic Helper & Babysitter Issues
Topic: What should I know before hiring a maid?
Replies: 8
Views: 21993

Re: What should I know before hiring a maid?

I was quite blessed (spoiled?) with a helper day one upon arriving in Singapore. For the first 5 years I was always given the option of paying a little extra ($50-80 per month) for maid service with my room rentals, and then after marriage and our firstborn we had our own maid throughout. Most maids...
by malcontent
Sat, 18 Jul 2026 9:39 am
Forum: PR, Citizenship, Passes & Visas for Foreigners
Topic: Guidance of SC application with newborn
Replies: 1
Views: 178

Re: Guidance of SC application with newborn

Your username fits. You seem to be in a big hurry. What’s your rush? It seems like you are trying to shortcut the system, which usually never works (unless you are a rare talent/highly desired). Normal path to citizenship: EP -> PR -> SC . Your wife has been fortunate enough to get PR… the logical t...
by malcontent
Sat, 18 Jul 2026 9:25 am
Forum: Car Leasing & Rental
Topic: sharing rental mistake i experience in japan (osaka)
Replies: 3
Views: 1003

Re: sharing rental mistake i experience in japan (osaka)

I can imagine Japan being sticklers about this, plus they probably don’t get a lot of tourists renting cars there. Like SE, I’ve rented cars in several countries, off the top of my head: Australia, New Zealand, Malaysia, France, Switzerland, Norway. I’ve also driven in the U.S. and Canada with my Si...
by malcontent
Sat, 18 Jul 2026 3:37 am
Forum: PR, Citizenship, Passes & Visas for Foreigners
Topic: Applying SC alone first or as a family?
Replies: 4
Views: 425

Re: Applying SC alone first or as a family?

Anytime an SC application excludes a family member — it is often viewed as “I am not committed to Singapore and want to keep my options open” — and this usually reduces the odds of success drastically. The husband’s business in HK and the recent move to make your child a HK citizen only reinforces t...
by malcontent
Tue, 07 Jul 2026 12:44 pm
Forum: PR, Citizenship, Passes & Visas for Foreigners
Topic: Information on Employment Pass (EP), Dependant Pass
Replies: 112
Views: 522892

Re: Information on Employment Pass (EP), Dependant Pass

Hello all, This is regarding the Dependent pass application response from MOM. My employer had submitted the application for my wife's DP. My employer said we received below request from MOM and after talking with them, now they said will get back in 3-5 days. Marriage Certificate of Applicant and ...
by malcontent
Sat, 27 Jun 2026 12:21 am
Forum: PR, Citizenship, Passes & Visas for Foreigners
Topic: SC chances
Replies: 53
Views: 19613

Re: SC chances

When i applied in 2023 it was rejected after 15 months of wait (2nd time) rejection, the first time rejection was after 27 months. However, this time got the approval almost at the middle of 12th month. Congrats! We may be seeing a trend of higher approvals in general due to population needs, combi...
by malcontent
Sat, 20 Jun 2026 4:51 pm
Forum: Relocating, Moving to Singapore
Topic: Pet relocation
Replies: 23
Views: 89867

Re: Pet relocation is home quarantine possible ?

Hello everyone, I plan to move to Singapore from Indonesia on student Visa of Master degree at NAFA in August and bringing my two senior dogs. Is home quarantine possible because Indonesia in class 3 (not rabies free) ? has anyone here had an experience with home quarantine ? I am writing to AVS an...
by malcontent
Sat, 20 Jun 2026 4:44 pm
Forum: Relocating, Moving to Singapore
Topic: Singapore Police certificate
Replies: 1
Views: 2464

Re: Singapore Police certificate

Unless you are a Singapore citizen, you won’t be able to get the COC without proof from that government that it is required and a sworn statement is not acceptable. This letter will normally be provided by the embassy of that country. If you have an active immigration case, request this letter from ...
by malcontent
Sun, 14 Jun 2026 3:02 pm
Forum: Credit Card & Banking in Singapore
Topic: Investment manifesto
Replies: 15
Views: 37586

Re: Investment manifesto

Wd40 I think we have some similar spending philosophies, but I have to strike a balance with my other half. My wife had a Lexus RX300 in Singapore (she bought it during 2020 when the COE was $35k), so I bought a 2 year old Lexus RX350 here for US$38k, which was about 25% less than new. Part of the ...
by malcontent
Sat, 13 Jun 2026 1:17 pm
Forum: Credit Card & Banking in Singapore
Topic: Investment manifesto
Replies: 15
Views: 37586

Re: Investment manifesto

Wd40 yes, it’s good to write out your investment manifesto. Staying the course is probably the most important rule, provided you are adequately diversified. I assume your India exposure is indexed, like Nifty 50 or similar? You have a significant overweight position in India (home country bias). I ...
by malcontent
Fri, 12 Jun 2026 4:16 am
Forum: General Discussions
Topic: Looks Like the Gahmen is Promoting Singapore
Replies: 1
Views: 6132

Re: Looks Like the Gahmen is Promoting Singapore

I am rooting for Singapore to succeed, and have my eye carefully trained on our 2031 off-ramp to re-ex-patriate.

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