To all who are posting for their company Products or Services. Please consolidate it only in 1 Post. I will start deleting multiple discussion thread.
Important notice to those who are posting Job Advertisements on the site. Please check the proper guidelines from Tafep.sg here before posting. Read on the Words And Phrases To Avoid In Job Advertisements .
Hi to all Pinoys out there in Singapore! We are bringing up a new online community where our aim is to help each other and to integrate / blend well with other people around us here in our 2nd Home. Hope you can join us and make us your new tambayan place! An attempt to bring back pinoysg.com . For issues on the site please send your concern to [email protected] . Please don't forget to check your spam folder when checking for the confirmation email.

Feeling Left Out

2

Comments

  • edited November 2017
    @apple you're on the right track! Glad you made that earnings and your awareness. It's not actually how high you earned, it's how you enjoyed them! Cheers! God bless you
  • ako 5 years+ in sg less 10k savings. 0 savings sa pinas. nag rent ng own room. age 30-35. mas worst pa po ako lol
  • Hahahah. Actually naalala ko lang yung thread nya. Hahahhaha. Naalala ko lang sya kasi 3 months resignation notice nya. Reader lang ako noon dito hahaha. If mabilis sya nakaipon, good for her. :D @apple
  • in less than 7 months, nakaipon siya ng 40k, eh baka naman nanalo sa toto or sweepstakes, kayo naman oh, hahaha.

    ipon lang ng ipon hanggat kaya, aral lang din ng aral hanggang may time. and don't forget to reward yourself din from time to time especially when you feel that you deserved it for working hard.





  • @carpejem thank you sir

    @Samantha1 thank you for the honest comment, I feel better now. Haha! Joke. Pero if may investment ka naman po, ok pa din.

    @goblinsbride haha! Congrats sa kanya.

    @tambay7 baka nga po, instant money. :smiley:
    Thank you po sa advise.
  • @goblinsbride @apple Ganun talaga pag na withdraw mo na yung stocks and bitcoin mo hahaha. im not the typical person na hind well-versed sa stocks. planning to buy a condo soon
  • @mariaklara okaaayyy. So 10 years ka na sa SG or 7? At mahilig ka magsave pala, kala ko kasi di mo hilig yun, like what you said sa previous thread? #ConvincePaMore haha, joke lang! :wink:
    jrdnprs
  • ang mahala po ay marunong tayong magmanage ng ipon natin. Kahit pa konti or marami yan, nasa pagpaplano yan. Madami ng nangyari dito na mga kabayan natin na nagwithdraw ng cpf tapos umuwi at pagkatapos ng ilang buwan, ubos na. Gusto na ulit bumalik. Hindi sila napagiwanan, nang iwan pa nga sila dahil bumalik na agad satin. hehehe ...
    applejrdnprs
  • normal. kasi may binabayaran ka sa pinas. :) d ka napag iwanan. if you want to earn more u need to level up ung salary. :) ganyan ginagawa ng mga local dito ba? hehehe lipat barko parati para tumaas ang sahod. :) pero depende sa goal mo parin.
    tambay7apple
  • hindi na sa salary yan. hindi talaga...
  • haha patay, na-audit na :D

    Maganda din yung may guide ka sa expenses and savings mo. Ako I follow my own 30-10-60 rule:
    30% for recurring expenses here in SG and sa PH
    10% for luho and other gastos
    60% for savings

    So far nasusunod ko siya, single and no lovelife siguro kaya madali HAHAHA

    For those who have extra monies laying around na gusto niyo paglaruan, you can try investing for equity shares. Sa PH market, you can try Citisec Online. Convenient kasi pwede mo ma-access portfolio mo dito sa SG. If SG and international markets, try DBS Vickers. Or if you're a complete risk taker, why not invest in cryptocurrencies like Bitcoin and Etherium? :smiley:
    goblinsbride
  • @apple

    whole life insurance - eto ung binabalik ung premiums pag dka namatay . kaya pwede savings pero mas mahal ang premium. pag kinancel mo, pwede may makuha konti

    term life - hindi binabalik ung premium kaya mas mura pero mas makakuha ka ng mas malaking coverage . pwede mo icancel dahil term lang sya. pero wala ka makukuha

    insurance should not be used as savings..should be for protection just in case

    emergency fund should be able to cover what you need from unemployment. if you estimate 6 months max to find a job, that should be your emergency fund. kung wala ka medical insurance,then you include this also

    REMEMBER: its not how much you earn, its how much you SAVE.

    applegoblinsbridetambay7
  • Same kami ni @arvs0z ng way of living. LOL.

    30% for recurring expenses here in SG and sa PH
    10% for luho and other gastos
    60% for savings (minsan less, never naging more)

    Iwas iwas sa mga malls kasi nakakatukso. :)

    tambay7arvs0z
  • wow naman dami nyo na ipon...kayo na....the best thing na maipapapyo ko sa inyo if given a chance mag apply kayo PR....for sure malaki laki maiipon nyo........max 20% bawas sa sweldo nyo then meron pa share din ang inyong kumpanya...iba pa sa ipon nyo na gusto nyo itabi sa natitirang sweldo nyo....ako awa ni Lord...sa ika 9 years ko na sa Company ko 9 years na rin akong PR....galing no....kasi bago bago palang ako dto sa SG sumugod agad ako agad ng pag aapply so awa ni Lord..na approve so kasabay ng tagal ko dto halos sabay na rin pagiging PR ko...

    so yun ang mas sure win na talagang makaka ipon ka at i heard nag iinterest din ng malaki......nasa sa iyo nlang kung paano mo budgetin ang pera mong natitira at dapat matututo kang mag tabi kahit paano sa natitira mong salary
    carpejemjrdnprsgoblinsbrideappleKebsarvs0z
  • edited November 2017
    @Bert_Logan buti ka pa naabutan mo yung maluwag na application ng pagiging PR. :(
  • @jrdnprs actually hindi na maluwag nun...start na ng recession yun...natyambahan ko lang kasi may kasabay din akong ibang NOYPI sa pila di daw sila pinalad......

    Siguro nakuha lang sa dasal......pag nag pray kasi ako sa Novena Church lagi ko sambit kay LODI LORD na pamaskong handog nalang sakin ung approval.........ayun siguro I am not Naughty that time kaya kasama ako sa list ng Nice ni LODI LORD at ng matangap ko yung letter from MaMa ayaw ko pa nga buksan...kagagaling ko lang ng simbahan yun....pray muna me hirit ko pa rin kay LODI LORD na "please....please....please" yun lang.....all things happen so fast...ng mabuksan ko ayun...boom bastik......pasado....

    Bait talga ni LODI LORD.......
    jrdnprsgoblinsbride
  • at ngayon meron na 100 SGD application fee. Dati libre lang.
  • edited November 2017
    kung disciplined ka with money/savings/investment, CPF has rubbish returns, sobrang liit. ties up a lot of your capital instead of doubling/tripling it sa pinas. mas ok lang sya sa mga tao that needs "forced' savings. Pero kung marunong ka maghawak ng pera at mag negosyo, hassle sya. Opinion ko lang na man.
    arvs0z
  • @JuanDeLaCruz Ganito po yun. Halimbawa SGD3000 ang sahod ko:

    Employee Contribution = $3,000 x 20% = $600
    Employer Contribution = $3,000 x 17% = $510 (eto considered na gain)

    Sa computation po sa taas, Yung $600 na hinulog ko, may tubo na akong $510 or 85%. Guranteed po yan. Kahit sabihin pa natin na yung iba mapupunta sa medisave, malaki pa rin siya. May corresponding interest pa din yan annually depending sa OA (up to 3.5%) , SA at MA (up to 5%) .

    Kung wala po akong CPF, $600 lang ang ipon ko, Yung $510 inde naman ibibigay ng kompanya ko kasi wala naman akong CPF account. Bihira lang ang nagbibigay. Sasabihin pa sayo mag pr ka muna at saka ko ibibigay share ko. Worst, sabihin sayo kasama na yun doon sa sahod mo.

    Eto rin po ang aking opinyon at inde po "rubbish returns" ang cpf. Bihira lang ang may ganitong returns. Makukuha mo din lahat yun pati interest kung kailangan mo ng bumalik at mamalagi sa pinas.

    Cheers!!!
  • edited November 2017
    Thanks @AhKuan PR na rin ako recently, and I will have to start paying full contribution in a couple of years time.

    I already had employer contribution (kahit foreigners they pay in leiu of CPF) = so not always necessarily a gain. This got paid to me in cold hard cash, now outright witheld na sya.

    It's still rubbish, coz both my employee contribution and employER contribution was given into my hands in cold hard cash, free to invest directly into businesses which is able to be tripled in one year. CPF cannot do that for me.

    Hence, what I wrote (opinion ko lang din) still stands:
    "kung disciplined ka with money/savings/investment, CPF has rubbish returns, sobrang liit. ties up a lot of your capital instead of doubling/tripling it sa pinas. mas ok lang sya sa mga tao that needs "forced' savings. Pero kung marunong ka maghawak ng pera at mag negosyo, hassle sya. Opinion ko lang na man."

    lol 3.5% / 5% returns are laughable for me (annual pa to ha) sorry. Di ka yayaman dyan.


  • @AhKuan Ganito po yun. Halimbawa SGD10,000 ang sahod ko:

    15% is given to me (1,500) every month. So 11500 clears my bank account in cash as a foreigner.

    Then you become PR.

    All of a Sudden:
    Good bye SGD 2,000 Emloyee Contribution
    Good bye SGD 1,500 Employer Contribution (yeah meron gain na 2% kase 17% vs 15%)
    ----------
    3,500 mawawala sakin bwan bwan. 42K a year in liquid cash na pwede ko palaguin ng todo sa pinas, and we're not talking rubbish 3%/5% annual returns, we're talking triple gains or 300% annually.
  • @JuanDeLaCruz Kagaya din ng sinabi ko inde po lahat ng kumpanya kagaya ng kumpanya mo. Hindi dinagdag sa sahod ko yung employer contribution nung inde pa ako PR. Magkaiba tayo ng kalagayan. Outright gain sakin yung employer contribution nung naging PR ako. Hampas lupa lang ang sahod ko kaya kahit sa konting halagang tinaas, masaya na ako. Kanya kanya po tayo ng opinyon.
  • @JuanDeLaCruz Bakit pa po kayo nag PR kung alam nyo naman pala na makakaltasan kayo ng 37% (EE + ER) kada buwan na pwede nyong palaguin sa pinas ng 300%? Di po ba parang nasa loosing end kayo nyan? Hehehe... Peace Bro !!!!!
    ekme
  • @AhKuan as I recall the term used was "hassle". I don't lose anything, but opportunity cost is high. PR was needed to secure longevity in a downturn economy/industry where foreigners are being fired left right and centre or not being given same opportunity merely because of not holding local status. I'd rather have tied up capital than lose a gravy train completely altogether. Happy to renounce the moment economy picks up again.

    Again to reiterate. The subject in question /statement was the CPF returns are rubbish - let's just stick to that - and still holds true. Peace din bro.
  • Pareho lang kayong blessed. At ako din, I am super blessed! Claiming sa financial goals ko. :smile:
  • you can do it girl! ako din, claiming all the goals!
Sign In or Register to comment.