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Living in JB 2 (Johore)

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crystal_tiong

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Bro, You sure that is not Sis Crystal........:smile:. Maybe she was trying to confirm it is you but she not sure......:biggrin:

not me la , although yesterday i was at bk indah ....
But i am a driver so i know how to handle this type of situation , when e driver stop and signal me to go , i will show hi five sign and move on ....
 

Grago

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OMG , u broadcast my age so openly ! hahahhaa

Well Sis Crystal, Bro DOA definitely will "redouble" his pursuit of you NOW. No getting away with your "Self descriptions and preferences......":biggrin::biggrin:

So Bro DoA, what are you waiting for.........
 
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crystal_tiong

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Well Sis Crystal, Bro DOA definitely will "redouble" his pursuit of you NOW. No getting away with your "Self descriptions and preferences......":biggrin::biggrin:

So Bro DoA, what are you waiting for.........

hahahaa , mostly man prefer younger woman la ..... anyway DOA a bit flickle minded so not really my type ..... pai seh DOA .....
 

crystal_tiong

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No wonder no other girls would ever look at me except my wife. I am the guy that women would least likely cast a second look at, except if i accidentally coughed or sneezed then probably they may.

u are a hidden gem which your wife is so smart and found u !
 

vincentck

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For your e.g. The Mthly installments for the 500k RM msia house is RM 2445, the HDB one is SGD 1478, after exchange, it's RM3547 which is 45% more.
The weird thing is what are you comparing Msia Condo to HDB? You mentioned your appt is at 175k, isn't that a fairer comparison to HDBs?

The problem is, some u you tried to downgrade Msian's property types, compare landed to our HDB, compare condos to our HDB.. is that even a correct comparison?

Another issue, using CPF vs EPF comparison is also not correct. Even though they can't use much of the EPF for housing, their interest rates on EPF is very high, which can be plough for retirement. When you use CPF for housing, you DON't earn the interest, just mitigate the housing interest. To compare both, you're to take retirement as the "end state".
Bro, cannot convert-lah... my reference base is KL. So you earn in SGD, spend in SGD... same in KL, earn in RM, spend in RM. The conversion only applies for Johor only.

And yes, we're comparing the types of property which is widely available and affordable to most people, landed houses and condos in the outskirts of KL. Apmt like mine is no longer a valid comparison now because property developers are now pricing their new projects at future prices. The reason why the comparison is not done based on the same property type, landed houses in KL and SG, condos in KL & SG, public housing in KL and SG; is because we're looking at similar jobs & earning capacity and what type of property these ppl can afford; hence the comparison between houses/condos with HDBs. If wanna compare based on the same property type, only Penang can provide a fair comparison.

CPF and EPF both serve the same function, which is to provide for citizens in their retirement. If Singaporeans use CPF to pay for monthly HDB instalments, they have to find another way to save for their retirement. Just because some Singaporeans don't save for retirement resulting in them having to work till old age doesn't take away the main objective of CPF. High interest rates affects the borrowing and saving costs; home loan rates at 4.2-4.5% vs less than 1.8% in SG.

I've worked in both KL and SG, and I've come to realize that for the same or lesser salary (without converting), I can stretch my SGD salary further than RM salary. By not driving in SG, i save quite a lot. But driving is a necessity in KL where the public transport is non-existent in a lot of areas. Again without converting, a lot of things are cheaper in SG than MY. And I also find it incredible for NATAS to hit $65 million sales in 3 days for year 2011; WOW! A lot of foreigners and Singaporeans are really willing to spend.

But bro, I wanna understand why you think it's weird to compare condo to HDB, or why CPF should not be compared to EPF. Maybe you could clarify your thoughts further... thanks and cheers!
 

arsenal

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Good... Finally some kind soul.. But her table tennis team are all china natinals, depriving local for any hopes to learn and grow.. Guess she is preparing to live in malaysia and back to her home town.


Standing Ovation for my MP.

Copied from Asiaone:

MP for Nee Soon GRC, Lee Bee Wah, said in Parliament on Thursday that while the government's move to increase productivity of the workforce is the right move, she criticised government agencies for their drive to cut costs, which in turn has upped SMEs' dependency on foreign labour to keep their overheads down, reported The Straits Times.

Ms Lee pointed out how the Land Transport Authority (LTA) and the Housing Development Board (HDB) have relied too much on foreign labour to build rail networks and for consultancy expertise.

She said: 'LTA has been too occupied to build the rail networks at the cheapest possible cost, and in the process, they brought in a lot of foreign contractors and consultants. Our local guys felt sidelined in their own country.'

This led to local contractors and consultants not being able to build up their capability and experience, which in turn did not allow them to compete for overseas jobs with ease.

She also said that such a scenario will have an adverse long-term effect on the construction industry.

Ms Lee also wanted better working conditions for bus drivers, but called on the government to ask public transport operators to keep bus fares from being raised for the next decade at least.

She said: 'We have been building MRT projects for the last 20 to 30 years. Besides spending money on building the infrastructure, did we put in deliberate efforts to build up the local expertise? How many local constructors have gained experience and is there anyone who can go out to compete for jobs overseas? I would say there's none.'
 

vincentck

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Few actually knows that there are poor people in Singapore and there are also many rich people in Malaysia who despite all the challenges and many claims of biased treatments did well enough. I even had wild claims from some forummers recently and yes i never moderated.

If one can succeed in Indonesia despite all the even more staggering challenges and real riots then what more excuses does one have? I have many many relatives, many friends and peers who are not doing as well as some of my local friends in Malaysia.

Even the top earning cousin who is the proudest/rudest, government scholarship/president scholarship recipient and doesn't have the courtesy to address my aunties or my mum earns a maximum of S$12k which of course she and her mum broadcasts to all of us.

Its all in the mind at the end of the day.

I did not get any scholarship, any official tuition or much help from any relatives since young. (The only 3 persons who really did helped is one of my aunts (bless her) who helped me for a period with maths and a cousin (my mom side) with science. The last one has passed on, a stranger who helped me out of the blue, Auntie Hong, bless your soul. Especially these 3 i will never forget them. Wuqi repays his debts.)

My family and the government basically left me to fend for myself as i am already a "man" even at a young age. I was left out of the education "system" as i was deemed not good enough. Holding 2 jobs supporting the family, sometimes sleeping at staircases as i did 2 shifts at once to support the family.

Still, i never gave up despite so many asking me to. NS also made sure that i cannot support my family for 2.5 years and during that time it was really bad. Still i never gave up and took up many different courses, upgrading, studying, etc. For everything that someone said i cannot do, i went all out to learn it and become stronger everytime.

To summarize, again every country has its faults, no one country is 100% good and lets not forget the global "ranking" of our papers. If you can succeed, you will succeed wherever you go. If you can't succeed, you will turn back at the first dead leaf that blows across your path while leaving your own main gate. Its all in your mind.

I believe its all up to you, no matter how badly you were treated. If i can succeed, there is really no excuse you can't. Even a paralysed person, through his determination can overcome the odds and publish papers and be successful. Are you any worse than a paralyzed person? Look beyond your disadvantages for the world is bigger than that.

To those who thinks they can never make it(Singaporeans or Malaysians heck, anyone), i am not better than any of you, i just tried harder and never gave up.

A learned man once said of the 3 changes:

1. Change what you can when you are unhappy
2. Change yourself and live with what you thought you cannot
3. Change the location, leave when you cannot do 1-2

Bro wuqi, you are a true role model. I try to emulate you by offering help if I can in this forum, but I'm still learning and haven't move into my own place, so it's kinda limited on what I can offer. Take care and glad both you and wife are ok; thanks for sharing about your accident.
 
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cathylmg

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Of course they have a choice to buy resale at half million or private at one million or more, just that they don't have the BIG advantage of profit from sale of HDB and stay in JB like a king that you said Singaporeans have lor.

Actually without profit from sale of HDB to start off, an income of $10k earned by two persons is stretched to buy private. Downpayment already need $200k? and installment would be how many thousand?

Some see only the advantages of being a Singaporean without the disadvantages.

Just like an ex local staff, lets call him Andrew, he said if he was born in Singapore, he would be the one who has a company now rather than me. Yet he has been to many countries and educated but continues to have a chip on his shoulder. He didn't know that i have an esteemed uncle in law who was one of those left behind when the government changed its method of teaching from Mandarin to English. He became one of those Chinese educated who were left behind? Did he bemoan his fate or gave up?

Today he is semi-retired, has his own firm and travels extensively to all countries. Before that he was even director and GM of several large firms.

Sometimes their statements are kind of self defeating, oh because i am Malaysian, i will always lag behind. Because i am a Malaysian, i go into Singapore and get spot checked. I will never succeed as i am a Malaysian.

Being Singaporean is not a guarantee of anything except perharps a sound education, even that is debatable these days as many foreigners are blissfully unaware of the many changes that took place in the education system as they tweaked and tweaked everytime somebody takes the seat.

Thats about it, i am not even going to go into the many obligations that one has to fulfil and the many stringent rules that made it impossible for many to downgrade. Many keep harping on the fact that you can sell your place but where do they stay? Not everyone wants to leave their own country if they have a choice. Why would they need to leave their own country in the first place? Only Singaporeans have it good? I certainly beg to differ here. Majority of Malaysians who leave Malaysia, leave for work, Singaporeans who leaves Singapore, leave to to live.

Many forget that the guys who are the owners of Shangrila hotel are Malaysians and yes they have moved parts of their businesses out but they still have vested interests in the country.

Few actually knows that there are poor people in Singapore and there are also many rich people in Malaysia who despite all the challenges and many claims of biased treatments did well enough. I even had wild claims from some forummers recently and yes i never moderated.

If one can succeed in Indonesia despite all the even more staggering challenges and real riots then what more excuses does one have? I have many many relatives, many friends and peers who are not doing as well as some of my local friends in Malaysia.

Even the top earning cousin who is the proudest/rudest, government scholarship/president scholarship recipient and doesn't have the courtesy to address my aunties or my mum earns a maximum of S$12k which of course she and her mum broadcasts to all of us.

Its all in the mind at the end of the day.

I did not get any scholarship, any official tuition or much help from any relatives since young. (The only 3 persons who really did helped is one of my aunts (bless her) who helped me for a period with maths and a cousin (my mom side) with science. The last one has passed on, a stranger who helped me out of the blue, Auntie Hong, bless your soul. Especially these 3 i will never forget them. Wuqi repays his debts.)

My family and the government basically left me to fend for myself as i am already a "man" even at a young age. I was left out of the education "system" as i was deemed not good enough. Holding 2 jobs supporting the family, sometimes sleeping at staircases as i did 2 shifts at once to support the family.

Still, i never gave up despite so many asking me to. NS also made sure that i cannot support my family for 2.5 years and during that time it was really bad. Still i never gave up and took up many different courses, upgrading, studying, etc. For everything that someone said i cannot do, i went all out to learn it and become stronger everytime.

To summarize, again every country has its faults, no one country is 100% good and lets not forget the global "ranking" of our papers. If you can succeed, you will succeed wherever you go. If you can't succeed, you will turn back at the first dead leaf that blows across your path while leaving your own main gate. Its all in your mind.

I believe its all up to you, no matter how badly you were treated. If i can succeed, there is really no excuse you can't. Even a paralysed person, through his determination can overcome the odds and publish papers and be successful. Are you any worse than a paralyzed person? Look beyond your disadvantages for the world is bigger than that.

To those who thinks they can never make it(Singaporeans or Malaysians heck, anyone), i am not better than any of you, i just tried harder and never gave up.

A learned man once said of the 3 changes:

1. Change what you can when you are unhappy
2. Change yourself and live with what you thought you cannot
3. Change the location, leave when you cannot do 1-2[/QUOTE]

After reading your story, I'm glad that you have made it. So happy for you....:smile:
 
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arsenal

Alfrescian
Loyal
Bro,
I know your relatives are very proud of you..
You are the man!


Of course they have a choice to buy resale at half million or private at one million or more, just that they don't have the BIG advantage of profit from sale of HDB and stay in JB like a king that you said Singaporeans have lor.

Actually without profit from sale of HDB to start off, an income of $10k earned by two persons is stretched to buy private. Downpayment already need $200k? and installment would be how many thousand?

Some see only the advantages of being a Singaporean without the disadvantages.

Just like an ex local staff, lets call him Andrew, he said if he was born in Singapore, he would be the one who has a company now rather than me. Yet he has been to many countries and educated but continues to have a chip on his shoulder. He didn't know that i have an esteemed uncle in law who was one of those left behind when the government changed its method of teaching from Mandarin to English. He became one of those Chinese educated who were left behind? Did he bemoan his fate or gave up?

Today he is semi-retired, has his own firm and travels extensively to all countries. Before that he was even director and GM of several large firms.

Sometimes their statements are kind of self defeating, oh because i am Malaysian, i will always lag behind. Because i am a Malaysian, i go into Singapore and get spot checked. I will never succeed as i am a Malaysian.

Being Singaporean is not a guarantee of anything except perharps a sound education, even that is debatable these days as many foreigners are blissfully unaware of the many changes that took place in the education system as they tweaked and tweaked everytime somebody takes the seat.

Thats about it, i am not even going to go into the many obligations that one has to fulfil and the many stringent rules that made it impossible for many to downgrade. Many keep harping on the fact that you can sell your place but where do they stay? Not everyone wants to leave their own country if they have a choice. Why would they need to leave their own country in the first place? Only Singaporeans have it good? I certainly beg to differ here. Majority of Malaysians who leave Malaysia, leave for work, Singaporeans who leaves Singapore, leave to to live.

Many forget that the guys who are the owners of Shangrila hotel are Malaysians and yes they have moved parts of their businesses out but they still have vested interests in the country.

Few actually knows that there are poor people in Singapore and there are also many rich people in Malaysia who despite all the challenges and many claims of biased treatments did well enough. I even had wild claims from some forummers recently and yes i never moderated.

If one can succeed in Indonesia despite all the even more staggering challenges and real riots then what more excuses does one have? I have many many relatives, many friends and peers who are not doing as well as some of my local friends in Malaysia.

Even the top earning cousin who is the proudest/rudest, government scholarship/president scholarship recipient and doesn't have the courtesy to address my aunties or my mum earns a maximum of S$12k which of course she and her mum broadcasts to all of us.

Its all in the mind at the end of the day.

I did not get any scholarship, any official tuition or much help from any relatives since young. (The only 3 persons who really did helped is one of my aunts (bless her) who helped me for a period with maths and a cousin (my mom side) with science. The last one has passed on, a stranger who helped me out of the blue when all my tuition fees were gambled away, Auntie Hong, bless your soul. Especially these 3 i will never forget them. Wuqi repays his debts.)

My family and the government basically left me to fend for myself as i am already a "man" even at a young age. I was left out of the education "system" as i was deemed not good enough. Holding 2 jobs supporting the family, sometimes sleeping at staircases as i did 2 shifts at once to support the family and repay the huge debts.

Still, i never gave up despite so many asking me to. NS also made sure that i cannot support my family for 2.5 years and during that time it was really bad. Still i never gave up and took up many different courses, upgrading, studying, etc. For everything that someone said i cannot do, i went all out to learn it and become stronger everytime.

To summarize, again every country has its faults, no one country is 100% good and lets not forget the global "ranking" of our papers. If you can succeed, you will succeed wherever you go. If you can't succeed, you will turn back at the first dead leaf that blows across your path while leaving your own main gate. Its all in your mind.

I believe its all up to you, no matter how badly you were treated, limbs broken/abused or even almost died at age 2. If i can succeed, there is really no excuse you can't. Even a paralysed person, through his determination can overcome the odds and publish papers and be successful. Are you any worse than a paralyzed person? Look beyond your disadvantages for the world is bigger than that.

To those who thinks they can never make it(Singaporeans or Malaysians heck, anyone), i am not better than any of you, i just tried harder and never gave up.

A learned man once said of the 3 changes:

1. Change what you can when you are unhappy
2. Change yourself and live with what you thought you cannot
3. Change the location, leave when you cannot do 1-2[/QUOTE]
 

CameraMan

Alfrescian
Loyal
I think you hate the government not the country.

I would like to retire in JB and rent out my HDB.

I was thinking the other day. What if, like the folks living in Rochor RD, I got evicted from my HDB, can I still buy HDB flat to rent out since I own another property in JB?

Hopefully, the government will just leave me alone and not offer me to relocate.

For me its still HATRED !!!! if not for the last election , i think they still wont wake up !!!!
I cant rem whats yr reason to move to JB , wan to share with us ??
 

CameraMan

Alfrescian
Loyal
Let's have soccer match: NI vs Taman Laguna.

That's why mixing with local is important. Can try to join some social activities and make more friends. If one confines within their own taman/precinct only, then it will be like no difference than staying in pigeon hole. We constantly walk past our neighbors door and we don't even say hi (worst still, we might not even know their name!). In JB, we drive past their door, and u have less chance to know them, especially of your immediate neighbors are weekenders / speculators. Take initiative, organize a simple BBQ, invite them. And they will reciprocate. And if there is wedding event, local will always erect tents and have a Pre-celebration (one day before actual wedding dinner) whereby they will normally invite neighbors too, to join the fun and for u to send your well wishes. If we maintain close-door policy, then one will feel left out etc. I was exceptionally heartened To hear when there were so many excitements and happiness during the CNY (especially the fire works) and pulled the residents together and have some joyful moments, of which many shared here earlier. Hope this kind of environment to last long throughout the year ..
 

CameraMan

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Loyal
Hi Bro,

You brought up a good point. I fail to understand why the government gives up this great opportunity to tax.

Dear , it is the men in white that design the flawed system , to suit their own needs . Especially the FTs good vs Local bad policy . Got nothing bad about Singapore , maybe their days are numbered. Recently they got exemption for GST for purchase of Gold. Dont know why dont have GST exemption for rice ? Maybe the rich buy/sell a lot of Gold is it ?
 

CameraMan

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Loyal
I feel you, brother.

We are singaporean and of course we love our country. In our brought up since young, we have many malaysians friends. We know each other culture and we are very similar in most aspects. In the army we have many indian and malay friends.. So we live happily, joke and respect other. For sake of hard decision and their gdp bonus, govt invites anyone from anywhere to compete.. Govt implement pro employer policies, but contradict themselves by never lower the rental or utility cost. Even if one make 20 k per month in singapore, you think he can survive here? The day he is sick, his saving will be reaped(remember how dr lim slaughter brunei royalty customer? This is real mean testing)... It is true govt has divided singaporeans to pro employer and normal, create conflict between local and new citizens.. Malaysians are absolutely ok.. The new indians, pinos, new chinese have absolutely no respects for us.. Some called us dogs, some called us bad genes.. They bought up hdb prices.. I am fined if they drive up private properties, public housing should be for the publics and is govt job to control.

In singapore you can't fall sick. The pap will just treat us as walking atms... hope malaysian will
accept us as we bring investment and jobs to malaysia but we didn't compete with locals for jobs. all in all we still love singapore as we are singaporeans.. Just govt should stop to be so stuck up thinking they are different breed and we are not their match as their millions dollars package confirm will make them think they should be of better quality...
 

CameraMan

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Loyal
This is not easy to do. The moment we open our mouth we gave identity away. If you try to mimic local accent, you are asking for trouble.:*:

When u other country, always tell yr self u r from there also, anyone ask u just tell them some bull shit, never tell them the truth, u won't know what is in their mind!
 

CameraMan

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Loyal
Can you teach me how to pole dance? I need to make extra money.

bro, your SGD 20K per month cannot survive in SG thingy makes me very depressed.

i suddenly feel like i am living below the poverty line.

time to bring out my 3 piece swimsuit....haha.

cheers.
 

DREAMorACTION

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Good and rich? I dare to claim the former but I dare not say a word about the latter. Whatever it is, ah tiong REPEATEDLY reject me in front of everyone, now I can only hide. IT's your huge huge gigantic loss, ah tiong! Muahahaha

Bro wuqi, they have limited international lots, that's why the confusion that only Malaysian can buy. Mine is the other phase, which still have international lot. Nonetheless, understand that for the upcoming launch, more international lots will be available :smile: sounding u all out first

Same thing a learned local Dr and his learned wife said to me:

So many crooks and the Chinese here are almost always in some kind of crooked business.

I turned to this learned Dr and asked him so both of us are either bad people
or we are damned poor.

There are still other ways to suceed without succumbing to the "dark" side, even pointed
other bros to other money making ventures without going into dark or even grey
areas.

Bro Dreamoraction(manofaction)
I am sure you are both good and rich. :P
Btw, the learned Dr told me that those who could buy from the developer the past couple of weeks are all locals only.
Did you get Laguna subsale?
 
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arsenal

Alfrescian
Loyal
If you are foreigner, maybe.. Because they can't trace you. If you are Singaporean, fat hope... Maybe they give you first and confiscate from you after you complete your Reno..

I think you hate the government not the country.

I would like to retire in JB and rent out my HDB.

I was thinking the other day. What if, like the folks living in Rochor RD, I got evicted from my HDB, can I still buy HDB flat to rent out since I own another property in JB?

Hopefully, the government will just leave me alone and not offer me to relocate.
 
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DREAMorACTION

Alfrescian
Loyal
Still dare to act meh? Totally wilted and heart broken ... From self declaring a butch, to open rejection in public, to pointing out my flaws (fickle minded etc), I think it is god's will. Ah tiong, court u next life okay? Hahahhahaha

Well Sis Crystal, Bro DOA definitely will "redouble" his pursuit of you NOW. No getting away with your "Self descriptions and preferences......":biggrin::biggrin:

So Bro DoA, what are you waiting for.........
 
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