Thanks Beppi for swift reply.
Well, actually, my wife working experience in SG is coming to third year; i just rounded up the number
She did not need to pay in first year bcos she only work last day 189 days in first year.
For 2nd year she paid, and coming third year, she will as well.
So, you reckon, seeking Agent is not necessary uh? Thanks.
Best,
the dj