Dewi Sri Hotel, Kuta, Bali, Indonesia

Cafe

Garden

Hotel area

Swimming pool

In Bali, I stay at Dewi Sri Hotel. Considered as a budget hotel, it suite all my needs. Basically the hotel is strategically located in Kuta town. The hotel is surrounded by shops and disco. But don't worry as you will not hear any noise from the town. Just 15 minute walk from the hotel is Kuta beach.

During my 4 days and 3 night vacation, at night after some rest, I walk along shop in Kuta Town. Early morning before I go to any tourist spot in Bali, I dip myself into the swimming pool. As any other hotel in Bali, the hotel is equipped with an outdoor massage bad beside the swimming pool. But if you prefer more privacy, it's better to visit to spa.

The hotel is safe, clean, have a nice cafe and I love the 24 hour swimming pool. For more info visit http://www.dewisrihotel.com/

Bon Appetit at Bandung, Indonesia

Restaurant at Bandung beside paddy field

Forget about Sirap Bandung. There is no Sirap Bandung in Bandung

Sunda food eat with fresh vegatable and Ikan Gurame.

Normally quite sweet best eat with unsweeten tea (teh tawar)

Padang food. Once you touch the food, you need to pay it.

Finding food is Bandung is easier compared with Bali due to high muslim population. In term of price, a cozy restaurant (sometime with traditional music) could cost you only RM10-RM15 which is quite affordable.

Along the way to Tangkuban Perahu or Ciwidey, you could find many cozy restaurant. One one the restaurant I vist is Balibu (acronym for Bawah Lindungan Bulan or under the moon). Most restaurant situated beside paddy field and cold breasy air of Bandung (as cold as Genting Highland) could increase your appetite.

Popular menu including Ikan Gurame, fresh vegetable, sup sapi (ox tail soup) and a varity of drinks which is nice (quite sweet) which nowhere could be find in Malaysia.

Bon appetit (French for enjoy your meal)

Zen Garden, Puchong, Selangor, Malaysia

Buying Auction House

One of the cheapest but quite tedious way to buy house is by buying auction house. You can see auction house being advertise by agent using billboard of fliyers.

1) Check Market Value (MV) of the house
2) Check condition of the house to estimate cost of repairing the house or to determine any problem. Ask neighbour to check any anomaly to the house. Contact maintenance office to print any oustanding payment.
3) Call the agent and you may need to submit your details to get details of the house (house drawing, term and condition of sales etc)
4) Make bank cheque (5%-10% from reserve value) to the bank
5) Set in mind the maximum price you want to bid. Go to auction house and hand over the cheque.
6) At the auction house, beware of any parties that offer you to pay some money in order for them to withdraw the bid. Most of them just want to make easy money just by entering the bid.
7) If you are lucky, you are the only one who bid the house and you will get reserve value.
8) If many people want to bid the house, you are also lucky because it's mean the property you want to bid have high demand thus more valuable
9) At the auction room be calm. (honestly I am quite nervous because need to make very quick decision to raise the bid).
10) Bid until the price is equivalent to the maximum price you already set. Do not bid anymore if it's exceed market value or maximum price you set.
11) If you win the bid, you need to pay additional money to match the downpayment . In my case the reserve value is RM85k (I make bank cheque RM8500). Since I win the bid at RM99k, I need to pay additional RM 1400 (RM 9900-RM8500 = RM 1400)
12) You will get 90-120 days to get bank loans...
13) If you loose, try next time. Collect back the bankers cheque. You will not loose any money.

Good luck.........

Additional cost to consider

1) Cost to repair the house
2) Cost oustanding assesment tax and maintenance (check if bank could pay it)
3) Cost of oustanding water and electricity (normally bank not cover)
4) Cost to lawyer (if possible get Zero Entry Cost - ZEE package. Lawyer will cost thousand of ringgit)
5) Cost of evaluator (Between RM200-500)

Do

1) Maximum bid should lower than market value

Don't

1) Pay any money to someone you did not know to withdraw bid