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contra

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To the best of my knowledge, there should be no fee for debit cards.

Debit Cards are just like Savings account with a facility credit card to be used at Visa/Mastercard merchant terminals.

So there should not be any charge at all.

But i am not sure if Malaysia is a different market.

HI A Prof, Malaysia is indeed a diff market. Malaysia had a bad rep in the late 1990s for credit cards frauds because people were stealing personal data from the magstripes of the cards when handling it physically, and using it to make unauthorised purchases at the card holder's expense. Thus EMV Chips were mandated by the Gov in early 2000s. But as long as the magstripe still exists pls exercise caution. Limit credit on the card and also not to allow it out of your sight especially in places which are new to you in Malaysia (can go counter to pay).

I do not like Debit Cards because its inherent risk is direct access (hence 'debit') to your personal bank account. I stick with credit cards (CC) or cash only. CC is a like a protective condom (sorry I could not find better analogy) from your transaction to your personal bank account. Plus you get reward points as well with the CC.
 

contra

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Im with SCB KLIBOR based. Still very much confused. :confused::confused::confused:

I got the MRTA from them too.

MAybe i was rushing for time and hence could not research sufficiently at that point in time.

Was not aware of this forum too else would have requested Wuqi to help out with information.

Hi A Prof,
I believe SCB is not out to con customers. They are always pioneering new methods. My understanding of their rationale for offering Klibor is to give customers flexibility to choose from. KLIBOR is just the direct way of saying BLR-minus (well not exactly but you get the general picture. Of course with a gap for the "speculative premium to those choosing KLIBOR).

There are some people who may be more intimate with the interest rates market and have their own preference to control their loan destiny better. So they knowingly choose the Klibor option as it is more volatile and they might end up paying lesser interest over the term of the loan - downside is it might be higher instead. The diff bw Klibor & BLR-minus should not be too much over the term of the loan.

BLR is following the Bank Negara's directions in the macro view while Klibor takes the same cue but more intense in a micro way ("ibor"= interbank overnight rates). Klibor will not be too far off, and should be ahead of the curve. If your Klibor is up, I am afraid my BLR is heading the same direction.

All loan takers in same boat of interest rate directions, no matter what they call it.

But to ease your mind, do find out more from your banker and share their clarification. There may be a cost at this stage to make a change if there is a change penalty...it might not be worth it and you could still gain over the loan term by sticking with it. I cant help there as I am committed with HSBC BLR-minus (Homesmart).

Any experts who can help clarify better? I am not a banker.
 

contra

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Damsell, Glad to see that. I would happily enrol my kid in the Uni's in Nusajaya as well, when the time comes. The Uni's do their own QC.s to protect their reputation after having invested so much skin in EduCity. As for property investment, Euphony raised a point on much land in JB. Got me thinking of location location location. It makes JB an interesting one because unlike Singapore, downtown JB is not the location. For those in more easterly (Adda Heights) and northerly (Taman Sutera, Setia Tropika) parts, their personal circumstance may dictate those to be ideal for them. For my personal circumstance, Nusajaya is also the ideal one. Nusajaya is boosted by Najib but is not dependent on his premiership. The momentum is not stoppable by politics anymore. The tipping point is here and now. Even DAP literature asking for more funds for Nusajaya.
 

Polymin

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Do you know where to get the modular stacking garden and how much? It looks interesting and I would like to check it out.

Thanks for the info.

Thanks to all for dropping by my site. The modular stacking is available at Far East Flora. Can't remember how much it cost....not cheap though. It's made of good plastic.

Will be updating my site soon- especially about my move from SG to Nusajaya.
Always glad to share my experience and glad to make it more fun.

Also do feel free to drop a comment or two. I don't have green thumbs - still learning by experience
 

cockcansing

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This I found strange as well. We assumed it would be a similar system like Singapore where they scan the passport through the reader, but we saw the officer flip to the MACs pages, read a bit then hand the passports back to us. Done. Looks like this mean that they don't officially have a record of us entering Malaysia?

If you go Tuas side, some of the officers do key in your passport, but when going through causeway side they usually never did.
 

aangsc

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Thanks for your help horizonhills, there are actually lots of them, one of them, opposite the Eurorich hotel, with a blue signboard called with the name York on it isn't too bad. I have tried to get numbers of more services here including maid, cleaning, etc. I will do a search and paste it here.

Yes, I used that vendor BH air-con. When one unit has leak gas, they came to service w/o hassle and then arrange manufacturer to do a detail follow-up when it did not resolve problem first round .:smile:
 

aangsc

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There might be some discussion about JB in the Sunday times today. :smile:

Hi Wuqi , look like you will be flooded with more requests for assistance, since they published some of your points on ST today.
Now you need to wear the hat of 'residing JB consulant' cum your fulltime job as tech consultant
 

xdecepticon

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There might be some discussion about JB in the Sunday times today. :smile:

Yup! Tech Consult in the press! :biggrin:

Btw TC, if I were to purchase a unit fm a developer and the latter recommend me their bank. Is it prudent to accept their recommendation? Wld they shortchange me i.e. on the loan interest issue? Tks.
 

Batok Seri

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Hi Contra,

... If possible, don't install any outdoor antenna, use instead those Giant or Tesco brand ones that cost less than 10 RM and works just fine (albeit you need to get one for each tv)...

If you running HD flat panel set, better to get HD digital antenna from Sim Lim Square.
Cost around $50. No need roof mounting. Mine is just indoor simply clamped to top of ground floor window grille.
Can receive clear 1080i HD for channel 5, 8 and CNA here in Johor.
(Malaysian channels no HD yet but I think trials are ongoing in Klang Valley)

Many thought HD only available thru SCV cable.
Actually its broadcast free to air also.
 
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Velma

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Wuqi, congrats on getting your points published. (If that is really you..)
34 year-old young man taking the risk, worthy of respect.
But ST seems to slightly harp on the security issues.
 

middaydog

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Wuqi, congrats on getting your points published. (If that is really you..)
34 year-old young man taking the risk, worthy of respect.
But ST seems to slightly harp on the security issues.

that stoopid st :mad: didn't even mention the name of this website :oIo:
 

wuqi256

Moderator - JB Section
Loyal
Yup! Tech Consult in the press! :biggrin:

Btw TC, if I were to purchase a unit fm a developer and the latter recommend me their bank. Is it prudent to accept their recommendation? Wld they shortchange me i.e. on the loan interest issue? Tks.

I am just a nobody, they left out some bits though as they kept harping on the security issue. Yes for the bank its ok, its highly likely to be ok, the only likely thing is that the developer may get some money from the banks.
 

LeMans2011

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Nevertheless it isn't an issue as long as one knows the rates. Most of them are offering BR-2.3% thereabout, for 5 year lock-in might be able to get slightly better. 3 year lock in is quite optimal. Citibank has no lock in for 80% financing. Just be aware some banks offer Islamic packages which is slightly different in legal form... i will avoid as i am not familiar with Islamic Banking laws.
 

wuqi256

Moderator - JB Section
Loyal
Wuqi, congrats on getting your points published. (If that is really you..)
34 year-old young man taking the risk, worthy of respect.
But ST seems to slightly harp on the security issues.

Thanks, On page 11 in the Sunday times, there is the highlighted area there which talks about helping others with advice online on moving out to JB. Not all the points were mentioned though, only about 50% but well at least with this online, it will be helpful to others although they left out the forum information.
 

wuqi256

Moderator - JB Section
Loyal
Hi Wuqi , look like you will be flooded with more requests for assistance, since they published some of your points on ST today.
Now you need to wear the hat of 'residing JB consulant' cum your fulltime job as tech consultant

Thanks aangsc, BH is good, there is also a place near Perling that is good for aircon as well but its better to buy the aircon from there and get others to install for you. I just share what i can, there are loads of others who knows much more than me, this forum is for everyone to learn from each other about JB.
 

wuqi256

Moderator - JB Section
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Quote: LeMans2011
Re: Living in JB

Alamak... is the article available online? Would anyone be so kind to provide the link here..
Eng Quote

---------------------------------------------------------

Hi LeMans2011, its here:

Source - http://www.streetsine.com/.
Original Source: The Straits Times © Singapore Press Holdings Ltd. Reprinted with permission.


Singapore Property & Related News» Homes away from home Straits Times: Sun, Mar 27

Home to educator Denyse Tessensohn had always been Singapore. But two years ago, after agonising over it, her family uprooted from their five-room Zion Road flat to settle in Johor, Malaysia, instead. Her younger son, Mikhil, 25, an aspiring mu...
Home to educator Denyse Tessensohn had always been Singapore. But two years ago, after agonising over it, her family uprooted from their five-room Zion Road flat to settle in Johor, Malaysia, instead.

Her younger son, Mikhil, 25, an aspiring music therapist, had a place to study at the Berklee College of Music in Boston.

But when they worked out the sums, the family found that they could not afford Mikhil's overseas education if they continued to live in Singapore.

Two years on, they have since found the move not as painful as they had expected.

Ms Tessensohn, 60, and her husband Steve Hogan, 62, refer to their 9,000 sq ft home as a 'modest bungalow'.

Spacious as it is compared to their former HDB flat, it is the second smallest home in the Ledang Heights estate in Nusajaya, west of Johor Baru city.

For the $400,000 price tag, they have four bedrooms, a garden, parking space and membership in the estate's clubhouse which has a pool, gym and restaurant.

'Our living cost is much lower; utilities are a quarter of what we used to pay,' Ms Tessensohn said. 'It's quiet, there's space, good air. It's affordable and there's very good food.'

The couple commute to work in Singapore five days a week. Mr Hogan is an artist and teacher.

Moving to Johor

More Singaporean families have gone to live in and commute from Johor. They are attracted to its up-and-coming residential cities such as Nusajaya, where big houses and a quality lifestyle can be had on middle-class incomes.

Take the figures at East Ledang and Horizon Hills, two estates in Nusajaya where expatriates make up half of the residents. Of the foreigners, 80 per cent are Singaporean.

Not all is rosy though. Most of the foreigners - including the Singaporeans - interviewed by The Sunday Times, admitted that their homes had been broken into at least once.

Most of the Singaporeans declined to be photographed, concerned that they might be discriminated against by their fellow countrymen for - in the words of one - 'semi-quitting' their homeland.

Nusajaya

From the sky, Nusajaya resembles a city in progress. Patches of construction areas and swathes of virgin greenery make up the bulk of the 9,308ha landscape.

There is access to the highways bound for Johor Baru city or the Tuas checkpoint, both 20 minutes' ride away. Nusajaya is said to be on the way to becoming one of the most sought-after residential cities in Johor.

It is part of the Iskandar Malaysia project to develop Johor into an economic powerhouse. The area, including regions such as Johor Baru city, Senai and Pontian, is three times the size of Singapore.

In Nusajaya itself, various hubs are in the pipeline. There is EduCity, a 242ha collection of brand-name colleges and research centres, including Britain's Newcastle University and Singapore's MDIS. Newcastle's medical college will be ready there by this year.

Its integrated theme park, Legoland Malaysia, is due to be completed by next year. A transport hub has also been planned for the area, with a coastal highway due to be ready by next year.

Residential enclaves - like Ms Tessensohn's estate - have already sprung up. Each estate touts itself grander than the next. Nusajaya's Horizon Hills, for example, features an 18-hole award-winning golf course at residents' doorsteps.

Despite the premium pricing for houses in Nusajaya - starting from RM700,000 (S$292,000) for terrace units with about 5,000 sq ft in built-up space - they are popular with Singaporeans, who make up half the clientele.

Technology consultant Wu Qi (not his real name), is one of them. His semi-detached house cost him less than RM800,000 when he bought it two years ago. It takes him about an hour to travel to his office in Singapore's Central Business District each workday.

But the 34-year-old said: 'It is worth it. I enjoy the fresh air, the space and the freedom. It's not really about the travelling cost but whether it makes long-term sense.'

The lower cost of living was also a draw for Mr Steven Wong, 40, who has a weekend home in Setia Indah. The manufacturing firm manager estimates that food items in Malaysia are two to three times cheaper, thanks to the currency conversion.

'Living here is so much cheaper,' he said. 'The money saved can go towards my retirement. If I still live in Singapore, I won't be able to retire in comfort.'

Security issues

The expanses of land in both developed residential projects and uncompleted ones can lead to security issues, though.

At East Ledang, tall 'anti-climb' fences enclose entire residential developments, while guards patrol 24/7 within and closed-circuit television cameras scan the perimeters for intruders.

Meanwhile, the Johor police has been combating the perception that crime is a serious issue in the area.

Last year, the authorities arrested 3,286 suspects for break-ins that include property and vehicle thefts.

Local media said the crime rate dipped by 22 per cent after the authorities stepped up patrols and crime prevention campaigns. The Malaysian government has also allocated RM140 million to build a district police headquarters for Nusajaya.

Still, many residents take no chances when it comes to personal safety.

Ms Tessensohn said her house was broken into three times in two years after she moved in.

'We now have razor wire, grilles and dogs. Alarms are about to be installed,' she said. 'The guards had been slack. Now a RM5 million safety fence has been installed. We feel a lot safer.'

Mr Wu, too, said residents look for ways to cope.

'Crime is everywhere, be it in Johor Baru or Singapore. The key is to have some common sense and not be flashy. Keep a low profile. Never display your wealth,' he said.

Fitting in

Australian writer Kaz Augustin, 45, spent two years in Singapore before she moved to Johor Baru with her husband and two children in 2008.

Recreation for the family includes visiting the Ledang Heights estate's clubhouse and restaurants. They also take walks in the park in the estate, or enjoy the nearby lake in their motorised speedboat.

Bukit Indah, which is about 10 minutes away by car for the Augustins, has supermarket chains such as Jusco and Tesco, and shops. But there are some things in Singapore that are hard to beat.

'I miss the libraries there. There is no library close to us to take the children to,' said Mrs Augustin.

Residents there are awaiting the completion of Legoland and Puteri Harbour, a waterfront development. Till then, they spend their free time around the usual places in their gated communities, and however far their cars can take them out of Nusajaya.

Life in Johor can be slower in other ways, too. Ms Tessensohn said the Internet connection at her home is 'laggy', as are many services there.

'It can take a huge amount of time to get something done,' she said.

Mr Wong spends more time waiting for the waiters in restaurants to serve him than he does in Singapore, but he has learnt to take things easy. 'You must remember you're not in Singapore,' he said.

But he does see some pluses in the faster pace in Singapore.

'Rushing for time may not be such a bad thing, at least when it comes to work. It means we get our work done faster so we have more time for other things,' he said.

[email protected]

[email protected]



--------------------------------------------------------------------------------


Peace of mind - at a price

'We now have razor wire, grilles and dogs. Alarms are about to be installed...The guards had been slack. Now they are on the ball and a RM5 million safety fence has been installed. We feel a lot safer.'

SINGAPOREAN DENYSE TESSENSOHN, whose Ledang Heights home in Nusajaya has been burgled three times in the two years since she moved in

Keeping a low profile

'Crime is everywhere, be it in Johor Baru or Singapore...The key is to have some common sense and not be flashy. Keep a low profile. Never display your wealth.'

SINGAPOREAN TECHNOLOGY CONSULTANT WU QI, who owns a semi-detached house in Nusajaya


Source: The Straits Times © Singapore Press Holdings Ltd. Reprinted with permission.
 

Batok Seri

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Thanks so much Batok Seri for your guidance on getting the right type of digital antenna.

To be specific you need only a "Soundtech TVA-600".
VFM, small, discreet, designed for indoor use.

Should be available at many Sing hardware stores but I got mine from UL 3rd floor Sim Lim Sq.

Don't forget to get coax of suitable length, connector/adapters as needed.

HH rez can pm me if got problem.
 
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