Living in JB

[arsenal]

Singapore govt treat CPF as if their pocket Money... They are quite hard up on it...
Sad... Don't blame Singaporeans.. Blame the govt..

EPF.
The MY gov quite cool about it.
Say you Sporean work in MY and pay epf.
When you want to go back and work in Spore, they'll ask if you want to withdraw your EPF entirely.
No need to jump through hoops and monies are returned speedily.

 

[Investor]

Hi guys, heard some story regarding the different electrical power rating of electrical appliances especially tvs brought from Singapore not being able to use in Jb, is that true??

Reposting our new forummer Crept's post (see above) so that other forummers can help him out.

 

[2bFree]

Hmm...first I hear of it. The power supply for SG and MY is the same, 220-240V and 50/60Hz. If you can use it in SG, you can use it in MY. Even the wall socket plug types are the same (UK standard).



Originally Posted by Crept
Hi guys, heard some story regarding the different electrical power rating of electrical appliances especially tvs brought from Singapore not being able to use in Jb, is that true??

 

[2bFree]

List of forummers who have purchased or intend to purchase property in Johor.
Hope those guests who are following this thread actively will also create their own account and join 'The List'.
Please add your nick to the list. (Copy the whole list including this heading. Click 'Reply to Thread'. Paste this post in your reply and add your nick to the list.)

1. Wuqi256 - Nusajaya. Wuqi256 sisters, sister bf, relatives, friends and colleagues - Total 27 units so far in Nusajaya
2. Investor - Nusajaya
3. Analytical Professor - Kempas
4. Sanur - Leisure farm, Polo view
5. Sanur's mum - Leisure Farm, Bayou Water Village
6. Sanur's SIL - Leisure Farm, Polo view
7. Jasonjst - Sutera Utama
8. Tansi - Leisure Farm
9. relaxmannn - Nusajaya
10. nusajayaphile - The Hills Precinct, Horizon Hills
11. Mahesh - Leisure Farm, Pinggiran bayou
12. East539 - Nusajaya
13. East539's Sis - East Ledang/ Leisure Farm
14. Lynn - East Ledang
15. Vincentck - Nusa Idaman
16. Vincentck's wife - Nusa Idaman
17. Grago - Horizon Hills
18. Arsenal - Horizon Hills
19. ShawnLow - Bestari Heights
20. LastResort Family - Horizon Hills The Gateway, The Hills & Fairway Suites
21. Skippy - Horizon Hill, The Golf
22. Kaeel - Nusa Idaman Hill side Semi D
23. Lord Aragorn - The Straits View Residences, Permas Jaya
24. JazJoz - Horizon Hills
25. TheGolf - Horizon Hills, The Golf
26. cathylmg - Kempas
27. mallow - Nusajaya
28. captw - Bukit Indah, Amelia 129.
29. AbuGumGum - Sungai Chat, Johor Bahru
30. euphony - LF & mt. austin
31. Narmi - Nusa Idaman
32. Yonglip - Bestari Heights
33. maxpark - Fairway Suites, Indahwalk3
34. Avalon74 - Setia Eco Garden
35. 2bFree - HH
36.

 

[Batok Seri]

Reposting our new forummer Crept's post (see above) so that other forummers can help him out.

Johor Bahru continued with the Japan 100V 60Hzmains supply system even after they have crossed into Singapore during world war 2.
So dont plug your S'pore tv hdmi cable direct to the wall socket.

 

[Nasi Lemak]

Johor Bahru.... 15 OCT 2011

the authorities will conduct more road blocks to collect more than 417.500 summons or an average of 104 outstanding traffic summons is not paid per day since 2000 involving Singapore-registered vehicles.

Summons to be worth tens of millions of dollars is 624.716 traffic summonses issued against the driver of the republic since 2000. Many of the suit involving speeding offense, especially in the North-South, in places where parking and crossing the double line.

Johor police chief Datuk Mohd. Mokhtar Mohd. Shariff said, most of the summons or 420.561 summons issued by the state police."The number of outstanding summonses in Johor was at 272.271, while the remainder involve the summons issued in other states,''he told reporters after a security briefing with the Singapore media yesterday.

 

[Investor]

Re: The List

List of forummers who have purchased or intend to purchase property in Johor.
Hope those guests who are following this thread actively will also create their own account and join 'The List'.
Please add your nick to the list. (Copy the whole list including this heading. Click 'Reply to Thread'. Paste this post in your reply and add your nick to the list.)
# IMPORTANT - For new members, please try to post your first 10 replies anywhere else in the forum before adding your nick to this list.

1. Wuqi256 - Nusajaya. Wuqi256 sisters, sister bf, relatives, friends and colleagues - Total 27 units so far in Nusajaya
2. Investor - Nusajaya
3. Analytical Professor - Kempas
4. Sanur - Leisure farm, Polo view
5. Sanur's mum - Leisure Farm, Bayou Water Village
6. Sanur's SIL - Leisure Farm, Polo view
7. Jasonjst - Sutera Utama
8. Tansi - Leisure Farm
9. relaxmannn - Nusajaya
10. nusajayaphile - The Hills Precinct, Horizon Hills
11. Mahesh - Leisure Farm, Pinggiran bayou
12. East539 - Nusajaya
13. East539's Sis - East Ledang/ Leisure Farm
14. Lynn - East Ledang
15. Vincentck - Nusa Idaman
16. Vincentck's wife - Nusa Idaman
17. Grago - Horizon Hills
18. Arsenal - Horizon Hills
19. ShawnLow - Bestari Heights
20. LastResort Family - Horizon Hills The Gateway, The Hills & Fairway Suites
21. Skippy - Horizon Hill, The Golf
22. Kaeel - Nusa Idaman Hill side Semi D
23. Lord Aragorn - The Straits View Residences, Permas Jaya
24. JazJoz - Horizon Hills
25. TheGolf - Horizon Hills, The Golf
26. cathylmg - Kempas
27. mallow - Nusajaya
28. captw - Bukit Indah, Amelia 129.
29. AbuGumGum - Sungai Chat, Johor Bahru
30. euphony - Leisure Farm & Mt. Austin
31. Narmi - Nusa Idaman
32. Yonglip - Bestari Heights
33. maxpark - Fairway Suites, Indahwalk3
34. Avalon74 - Setia Eco Garden
35. 2bFree - Horizon Hills
36.

Updated with extra note in heading.

 

[Investor]

Johor Bahru continued with the Japan 100V 60Hzmains supply system even after they have crossed into Singapore during world war 2.
So dont plug your S'pore tv hdmi cable direct to the wall socket.

Are you Wikipedia?

 

[thegolf]

Manage to take some picture on site. The Golf 'South' HH.

Picture taken Aug 2011.

 

[tansi]

Hmm...first I hear of it. The power supply for SG and MY is the same, 220-240V and 50/60Hz. If you can use it in SG, you can use it in MY. Even the wall socket plug types are the same (UK standard).



Originally Posted by Crept
Hi guys, heard some story regarding the different electrical power rating of electrical appliances especially tvs brought from Singapore not being able to use in Jb, is that true??

.I hv 3 tvs, microwave oven, radio, pc, dvd player, and sewing machine brought from sg to my and over 2 years not a single problem. only thing to watch out is lightning, perhaps due to open area as compared to densely packed sg. use lightning arrester plugs, or pull plugs off sockets if the hse is to be left empty.

 

[mathstub]

Re: The List

List of forummers who have purchased or intend to purchase property in Johor.
Hope those guests who are following this thread actively will also create their own account and join 'The List'.
Please add your nick to the list. (Copy the whole list including this heading. Click 'Reply to Thread'. Paste this post in your reply and add your nick to the list.)
# IMPORTANT - For new members, please try to post your first 10 replies anywhere else in the forum before adding your nick to this list.

1. Wuqi256 - Nusajaya. Wuqi256 sisters, sister bf, relatives, friends and colleagues - Total 27 units so far in Nusajaya
2. Investor - Nusajaya
3. Analytical Professor - Kempas
4. Sanur - Leisure farm, Polo view
5. Sanur's mum - Leisure Farm, Bayou Water Village
6. Sanur's SIL - Leisure Farm, Polo view
7. Jasonjst - Sutera Utama
8. Tansi - Leisure Farm
9. relaxmannn - Nusajaya
10. nusajayaphile - The Hills Precinct, Horizon Hills
11. Mahesh - Leisure Farm, Pinggiran bayou
12. East539 - Nusajaya
13. East539's Sis - East Ledang/ Leisure Farm
14. Lynn - East Ledang
15. Vincentck - Nusa Idaman
16. Vincentck's wife - Nusa Idaman
17. Grago - Horizon Hills
18. Arsenal - Horizon Hills
19. ShawnLow - Bestari Heights
20. LastResort Family - Horizon Hills The Gateway, The Hills & Fairway Suites
21. Skippy - Horizon Hill, The Golf
22. Kaeel - Nusa Idaman Hill side Semi D
23. Lord Aragorn - The Straits View Residences, Permas Jaya
24. JazJoz - Horizon Hills
25. TheGolf - Horizon Hills, The Golf
26. cathylmg - Kempas
27. mallow - Nusajaya
28. captw - Bukit Indah, Amelia 129.
29. AbuGumGum - Sungai Chat, Johor Bahru
30. euphony - Leisure Farm & Mt. Austin
31. Narmi - Nusa Idaman
32. Yonglip - Bestari Heights
33. maxpark - Fairway Suites, Indahwalk3
34. Avalon74 - Setia Eco Garden
35. 2bFree - Horizon Hills
36. mathstub- Horizon Hills

 

[mathstub]

Re: The List

Dear all Bros,

I am glad to be able to post again since I have been busy travelling here and there for the past weeks.

I just want to check with all of you whether the Sales and Purchase Agreement all that is necessary to prove a buyer's ownership of landed property.

So glad to see all of Bros (including Sis as well) here again. By the way, Kudos to Bro Investor for creating Johor's band of brothers and sisters list.

Thank you very much.

 

[mathstub]

Re: The List

Any bros who is familiar with HH can shed some light on how the Hills precinct (the part under construction) will look like after the construction is complete?

Would you mind summarizing the major features of the Gateway, Golfs, Hills precinct and giving your rating from 1 to 3 (1 being the best) to different aspects (e.g., views, landscape, house quality, market value appreciation) of those landed properties in these 3 different precincts?

Thanks!

 

[mathstub]

Dear Bros,

For those Bros who have got more than 1 landed property in Johor, do you mind sharing the amount of time between when you bought your first property and when you bought the second one? Is it easy to get the housing loan (what the loan margin is and whether it is from the same bank or different bank you got the first housing loan there, local bank or foreign bank) for your second property?

Thank you very much.

 

[mathstub]

Dear Bros,

Something for discussion.

If you are approved 90% loan margin but you later realize you can afford to pay 20% of purchase price as downpayment, will you choose to still get the loan for the 90% (i.e. paying only 10% of the purchase price) at the expense of paying more interest and put the remaining 10% cash/savings to other uses (for example, for renovation, further investment etc.)? Another question is if you are approved 90% loan margin, can you choose to reduce the loan amount to 80% of purchase price? Thanks.

 

[LeMans2011]

Dear Bros,

Something for discussion.

If you are approved 90% loan margin but you later realize you can afford to pay 20% of purchase price as downpayment, will you choose to still get the loan for the 90% (i.e. paying only 10% of the purchase price) at the expense of paying more interest and put the remaining 10% cash/savings to other uses (for example, for renovation, further investment etc.)? Another question is if you are approved 90% loan margin, can you choose to reduce the loan amount to 80% of purchase price? Thanks.

For my bank i can park excess money into the account, the interest calculation will deduct off the spare cash you park in the account.

 

[LeMans2011]

Dear Bros,

For those Bros who have got more than 1 landed property in Johor, do you mind sharing the amount of time between when you bought your first property and when you bought the second one? Is it easy to get the housing loan (what the loan margin is and whether it is from the same bank or different bank you got the first housing loan there, local bank or foreign bank) for your second property?
Thank you very much.

The first loan will take a little more time to process if you have no record of finances in Malaysia. The second loan can be done within a week, a lot faster because having taken the first loan, you are no longer classified as a "virgin" borrower. It does not matter how much time in between as long as your income permits. It also does not matter whether you are borrowing from the same bank or different. Take note however, every loan application you make is recorded in the Malaysian Credit Bureau. If you apply for 1m from 3 banks, a search will show that you have 3m loan application in process. Hence the officer helping you gotta be experience and smart and know how to submit your loan. From my experience the Maybank officers are not very bright.

 

[LeMans2011]

Johor Bahru.... 15 OCT 2011

the authorities will conduct more road blocks to collect more than 417.500 summons or an average of 104 outstanding traffic summons is not paid per day since 2000 involving Singapore-registered vehicles.

Summons to be worth tens of millions of dollars is 624.716 traffic summonses issued against the driver of the republic since 2000. Many of the suit involving speeding offense, especially in the North-South, in places where parking and crossing the double line.

Johor police chief Datuk Mohd. Mokhtar Mohd. Shariff said, most of the summons or 420.561 summons issued by the state police."The number of outstanding summonses in Johor was at 272.271, while the remainder involve the summons issued in other states,''he told reporters after a security briefing with the Singapore media yesterday.

Arrghhh... just check rilek.com.my i have one... anyone knows when is the discount season?

 

[vincentck]

I no longer have much long term goals, the key is to get financially independant for my family as much as possible. Education is key, i try to be the opposite of some people in my life. Where they thrive on depriving others of education and skills so as to be the "better" man/half, i do the opposite. I empower those around me financially. I made sure my siblings got invested in every investment opportunity that i deemed near 100% and covered their losses when necessary. Same
goes for my wife's business, more than happy to bleed money for her to study and to learn. I want to pass on knowing that i have done the best for my family, my wife and my dad + mum. Many claim they love their families but too few take steps for them. To me, love is beyond this fragile life, i hope to at least close my eyes with the knowledge that i have done all i could have in this life time. The least i could do for those i love? Is to try.

Thanks Shawn, i am just sharing some thoughts, there are lots of folks here who shared a lot and some even more than me.

Every man/woman would face temptation in life and i have faced it before which is why i go very low key these days, driving cars no one would
take another look at and sold away other things that are too high profile. Even my tenants scoffed at my choice of cars which made me even
happier when i know my dad/wife is driving them.

When an employee boasts about her 300k house, i just smiled and asked how does it look etc. Even when she said now some houses are a
million a piece and asked about what i am staying in, i just smile.

Most importantly, i know how my family and wife view me now and they love me for what i am, warts and all.
Most importantly, i am contented and happy with myself though i still have lots to learn.

Most automobile comes with a manual, but life came suddenly without any manuals.
Everyone is finding his own way to survive and make the most of it as best as they can.
Our parents are here with us only for a while and we should really cherish them.
They too had no manuals when raising you hence mistakes & heartache are inevitable.
Learning to forgive others is a great virtue, learning to forgive oneself is a lost art.
Be gentle with yourself. Forgive yourself.

Bro wuqi, your words are really inspirational. You sound so humble that it makes me wonder can there be such a person in the world, and there is in you! What you said about our parents not having any manual makes me think twice about my parents and where I am today because of them. Good or bad, they raised me as best as they could and I cannot repay them back, altho I won't stop trying. Thanks for your advice. I will definitely do my bet to emulate you.

 

[vincentck]

Bro avalon74, as a payer of EPF, i must say, their execution of this is really good. There are still some who asks if we can give them one lump sum (with some discounts)
but we would rather follow the law and for their own good by insisting on EPF even though it would cost us more.

For a country that is often berated, there are still some things they do well.
EPF after the initial teething problems is one of them.

EPF is one of the best-run government agencies. They are efficient and constantly upgrading themselves. Only thing is, because they are related to the government, they often make "investment" that has bad returns. Case in point would be the funding for the tertiary student loans; out of which there are thousands of students who never repaid the loan and it was written off as bad debt by EPF and reduced our annual dividend payouts.