Cost of Living in Klang Valley, Malaysia.

How much to live comfortably in the Klang Valley? Let’s do a break down.

Ultimately everyone wants to own a place of their own. So a property value of RM 250000 – RM 300000 (although I do believe a decent property in Klang Valley is double/triple of what I’ve stated), you’ll have to service a loan between Rm 1000 to RM 1500. If not, a rental around Klang Valley area would costs about the same. Utility bills about a RM 100. An average car value of RM 100000 , brands from Toyota, Honda, Mazda, etc. Estimated loan of RM 1000 to RM 1500. Of course if you’re a Proton fan, by all means. You can lower that value by half to about RM 500. Let’s take RM 1000 as of now. And when you have a car, you need to pay for petrol as well. Let’s put this at RM 250. Internet bills. Let’s take UniFi’s cheapest 5MB package which costs RM 150. Phone bills. RM 100 for calls and 3G. If you’re gonna be a cheapskate like me who uses prepaid, that’s fine too. Food wise, average of RM 5 per meal. Let’s assume you eat 3 times/day. So, RM 15 a day. In 30 days, RM 450. Eating the same food everyday would be kinda tedious, to add in some spice to life, probably additional RM 50 for each weekend, be it food or other entertainment purposes like movies, hang outs and stuff. So 4 weekends, that would tally up to RM 200. If you do take up an insurance scheme, maybe about RM 100 a month. Although it varies depending on which kinda scheme you’re getting.

Now let’s add them up. House loan/Rental (RM 1500) + Utilities (Rm 100) + Car loan (RM 1000) + Petrol (RM 250) + Broadband (RM 150) + Phone (RM 100) + Food (RM 450) + Entertainment (RM 200)  + Insurance (RM 100) = RM 3850. As you can see, an estimated monthly expenses incurred would be RM 3850. How about savings? Say you plan on saving RM 500 each month. That would be RM 4350. As this is the take home income, we’ve got to include the EPF (forced savings) and tax in too. So give and take, RM 5000 would be the figure.

Do take note though, this is calculated based on one person. If you have a family and other commitments, the figure itself would definitely be higher. Of course the amount can be pushed lower, by taking out the car loan and petrol expenses but I would not consider that as living comfortably. Unless you do not intend to move out from your parent’s place and stay in forever, probably you could remove the burden of a housing loan then.

Then again, is RM 5000 really enough? I wonder.

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Why Singapore?

Every now and then, friends and colleagues ask me, “Why are you here in Singapore?”. I’m not actually surprised since not many go through the same route that I’m taking.

And the next statement which follows would be, “You’re from UM or UKM?”. Since it’s the 2 only universities that are recognized in Singapore. Understandable. And when I say no to both, they’ll be stunned for a few seconds, just like how you stun them in DOTA.

Anyway, the very reason why I’m in a Singapore polyclinic is to be eligible to take the final paper of  Diploma in Family Medicine in Malaysia, which is a 2-years course and I’m already close to the end. I travel back each time there’s lectures. Hopefully it pans out well to proceed on to the next path. RACGP, anyone? Then why not just practice in Malaysia instead since I’ve already attained full registration?

Well, you see. Our Klinik Kesihatans (KK) aren’t really a conducive place for on-going learning. Workload is crazy and there’s a huge number of patients to be seen, that is if you’re posted to a densely populated area in the city. In districts, it may not be as busy but most likely you”ll have to turn your “self-survival” mode on. Not to say that Singapore’s polyclinics workload is not crazy. We see approximately 50-70 patients per day per doctor depending on which cluster we’re in. However, the situation is more ideal for learning, with bosses monitoring your management and give you a big spanking if something is not done right. KK do have Family Physicians too but correct me if I’m wrong that most of them  don’t actually bother with your “progress” as long the work gets done by the end of the day. Can’t blame them either, with the current glut of doctors in Malaysia, so many medical officers get thrown to the KKs with so few family physicians, how possibly can they monitor each and everyone’s progress?

Besides, with the same amount of work you’re doing in KK, why not Singapore with a better pay too? At least there will be a standardized care. And with that extra income, you can expand your portfolio by investing in properties, trust funds and insurance to secure a better future. I don’t believe in focusing solely on medicine for your basic necessities. In this new age, you need back ups.

I was in the private practice world for a year, but then I realized it’s heading no where. Working with a company was fine and all, good life, good pay, fixed working hours but there’s not much of a prospect and it kinda went against my principle to put sales at the top of my priorities. And when patients were referred as customers, I knew something was way wrong. As I was planning to leave, Singapore opened its door for me so I just took the opportunity.

Then why not be a general practitioner (GP)? To be honest, GP these days are struggling too. Ain’t gonna join in the fun. Working hours ain’t fantastic either. You’ll have to dedicate more than half a day at work to earn a decent living. With other headaches such as monthly rentals, staff payments, stock checks, licensing and management stuff, absolutely not worth the trouble. At least for now, for where I am. Just gotta set some standards for myself too before I venture out. Skills and knowledge are a must to being a good GP. Once I’m able stand on my both feet planted firmly on the ground then only I’ll think about it.

What’s your plan for the future? Thought about it yet?

Elcerdo, Changkat Bukit Bintang, KL.

We were given a groupon voucher to dine at Elcerdo along Changkat Bukit Bintang. This stretch of road is famous for its fancy restaurants and night life. However, we had our lunch there instead as the place were booked to the brim in the evening.

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One of the rare places that sells pork only. Thing is, their menu is accompanied with pictures of cute little pigs, that you get this kinda awful feeling when you’re placing your food orders.

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Awesome ambiance. Loh-man-tic giler.

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Mushroom at its best.

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And of course, do not forget to order the ribs. Fantastic. However, it does a significant amount of damage to your pocket. RM 80 plus for just the ribs. That’s the reason we went with a voucher! Yea, I know, I’m cheap. Soooory.

Here’s the address and phone number if you’re keen on trying them out.

  • 43&45, Changkat Bukit Bintang,  50200 Kuala Lumpur.
  • Land: +603-2145 0511 / Mobile: +6013 309 4197

 

Nothing Beats Home

Came across this video while I was getting my dailies from Lowyat.NET (my favorite site when it comes to the latest IT and gadget updates locally) and I couldn’t resist the urge to post this here.

Being from KL myself,  watching the video brings back a lot of memories. For those whose not been to KL, it stands for Kuala Lumpur, which is the capital city of Malaysia.

Of course, being in KL has its consequences. Safety is a concern. Me being robbed twice is a good enough testimony. Cleanliness in certain areas are of concerns too. Occasionally you’ll see giant rats running across the streets. Dust from various constructions going on simultaneously and traffic jams contribute to your daily oxygen needs.

However, being born and bred here, nothing beats home. And this video itself shows exactly the many different faces of KL which I’ve grew up in.

Chinatown, Singapore.

Grace had a sudden craving for clay-pot rice. Dragged me all the way down to Chinatown only to know that the shop was closed. Adoi. When we got out from the MRT station, the scene looked awfully familiar. Take a guess. Temple Street in Hong Kong, sounds familiar huh?

There’s a street called Temple Street too. How genuine is that? As we strolled along the street, some parts do remind me of Jonker Street back home. At times, I wonder who’s copying who or who’s being copied.

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Of course being here in Singapore, everything is clean and all. That’s a plus point. Then again, although the older buildings are still preserved and kept new, there are a lot of man-made add-on stuff along the way that destroys the authenticity of it.

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The fried oysters from this particular stall is pretty good. It has the longest line among all the other stalls. The oysters were yummiliciously good, but the tremendous amount of oil that the oysters were coated with, not good.

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This picture was taken in Hong Kong. Compare with the stalls above. And if you look close enough, you’ll notice that the area gives off a different “feel”.