He's right... you are screwed for breakfast. The runny eggs do start to grow on you after a while. You especially have to love the fact that they give you the egg straight away and then you wait 5 minutes for the toast.zzm9980 wrote:Oh, and you're screwed for breakfast. I go to McDonalds for pancakes, and Starbucks for oatmeal. I cook eggs and frozen hash browns at home.
I've learned to tolerate (and almost enjoy!) runny soft boiled eggs with soy sauce.
When you first become a PR the CPF can be a reduced version and may only go up to the full 20% after three years if I am not wrong.I understand that as a PR 20% of my gross would go into a CPF, with a 15% match from the employer. If not paying into a CPF is it typical to negotiate 15% higher?
Based on my understanding for you this is not an option if your spouse is a Singapore citizen. DP is for dependants of foreign EP holders Q1 and above.Would it be better to start off with something like a dependent pass? Or isn't that an option
it was discussed in another thread, about the merits and not, of leveraging on CPF !!!Tigerslayer wrote:When you first become a PR the CPF can be a reduced version and may only go up to the full 20% after three years if I am not wrong.I understand that as a PR 20% of my gross would go into a CPF, with a 15% match from the employer. If not paying into a CPF is it typical to negotiate 15% higher?
As for negotiating CPF into salary when not obligated to pay it... I have never seen this be successful but you can try.
You can check here for graduated rates of CPF:-
http://mycpf.cpf.gov.sg/Employers/Gen-I ... es-SPR.htm
Based on my understanding for you this is not an option if your spouse is a Singapore citizen. DP is for dependants of foreign EP holders Q1 and above.Would it be better to start off with something like a dependent pass? Or isn't that an option
You lose 20% pre-tax, but wind up with 35% pre-tax in a savings account. You can the use "most" of that directly towards a mortgage payment. It's a pretty good deal overall if you plan to stay here long term. (If you don't then why would you apply for PR?In effect, when you get PR, you sort of forego the 20% of your pay, plus the 15% you used to get, and that takes out a total of 35%
Mi Amigo wrote:I still miss this place:
http://marieletseat.blogspot.com/2010/0 ... ta-ga.html
sorry to drag the conversation further off-topic. Now I have a craving for a decent burger...
From a burger joint in the Philippines:sweetgazebo wrote:Aren't American burgers supposed to massive?
I love them massive burgers. Ain't been to the US yet but am sure there's a mama burger somewhere out there.
Mi Amigo wrote:I still miss this place:
http://marieletseat.blogspot.com/2010/0 ... ta-ga.html
sorry to drag the conversation further off-topic. Now I have a craving for a decent burger...
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