4 Safe Travel Tips in Indonesia

Indonesia has certainly suffered recently in the swings and roundabouts of the tourist industry. The terrorist attacks in Bali in 2009 have had a devastating effect on tourism, but things are slowly getting back to normal.

There is still plenty to attract tourists to Indonesia and there is probably no better time to get a bargain price. You can also secure your travel insurance direct from the Internet, and this is strongly recommended so you can travel with greater certainty and peace of mind.

Here are some tips to follow to maximise your safety when travelling in Indonesia.

Government warnings will places like nightclubs, hotels and bars where Westerners are likely to gather as the most dangerous places in Indonesia. Although many tourists find these places attractive and in some cases are the real reason for visiting Indonesia in the first place, it is wise to eliminate them from your itinerary and stay in alternative accommodation. You will also be better served by visiting restaurants but the locals use. The side benefits from this will mean that you will be getting closer to the local population which will enhance your tourist experience anyway.
Stay off the streets whenever demonstrations or political gatherings occur. This is just a simple commonsense but you should be alert to any local media warnings about these events so you can steer clear.
When you are out and about, make sure you only take the bare minimum with you. Banks matching and petty crime on the streets can be quite common in many major cities in Indonesia and it is just not worth the risk. Avoid wearing expensive jewellery or clothing so as not to draw attention to yourself. Take the minimum amount of cash you need and store it in a money belt under your clothing making sure that it is not discernible through your clothes.
If you decide to drive, be aware that local traffic rules will bear no resemblance to those at home. It is quite common to see dangerous driving manoeuvres even in the heaviest traffic. Many drivers do not use headlights until it is completely dark for example and many cyclists do not wear helmets. There have been several reports where foreigners are blamed for accidents despite their innocence and subsequently find themselves in precarious legal positions.
Once again, it is timely to remind yourself that holiday insurance is absolutely imperative when you are travelling in Indonesia.

You may also recall the natural devastation which occurred in Sulawesi following an earthquake in September 2009. If you are travelling anywhere near this area, check with local authorities or tourist operators to make sure that roads are open and that there are sufficient facilities to cater for your needs.

Finally, here is a general health tip. The recent flu pandemic has spread throughout the world and Indonesia is no exception. Check with your doctor before you leave home and where possible make sure you are vaccinated before you leave.

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Do You Know About The Most Popular Real Estate Scams?

Real estate scams are more and more popular, even though we can’t see them yet. Compared to robbing a bank, stealing $200,000-worth property via a false deed or an identity theft is trivial - and remarkably safe for the thieves. Their imagination is remarkable and oftentimes we can’t do much more than minimizing the damage they inflict. By becoming aware of the most common real estate scams, you may be able to protect yourself or someone you know.

False Deeds, Part 1

Most real estate frauds revolve around forged deeds. The most popular scam is using a false deed in order to get a loan secured against a property. The thief then vanishes with all the money, leaving the real owner in danger of foreclosure by the bank - oftentimes the danger is real if the owner doesn’t react on the first warnings received from the bank.

False Deeds, Part 2

Another common real estate fraud is selling a property without the owners consent. The uninhabited, recently inherited and otherwise unguarded property is the most probable target for such scams. The most inventive thieves are able to even sell the same property to several buyers at the same time. However, if they have sold it only to a single buyer, the fraud can go unnoticed for months or even a year. By that time, the “owner” is long gone, usually in another state, selling another home to someone else.

Real Deeds

The false deeds are bad enough, as such scams usually hit at random and they often can be reversed after the deed is thoroughly checked. However, the problem begins when the fraud is performed using a real deed, one that was either stolen or simply taken from the owner. The sad thing is that such thieves often recruit from our family and closest friends, people we would never suspect of anything.

The most popular way is to get some kind of authorization (or truly, just a signature) from the owner in addition to a deed. This way the thief can do whatever they like without any real risk for being caught. This is an especially popular scam used against elderly people - a nurse or a family member either take a loan in the name of the elder or just force them into taking it.

Another, even more outrageous, real estate fraud is performed by unethical door-to-door loan sellers. Under the pretext of making home repairs, they force the seniors into signing some documents which are truly high-rate loan contracts secured against the property. As most seniors are unable to repay such debt, their homes are taken by the creditor (which was its goal from the beginning) and the elder is left homeless.

Defense

Defending against such frauds is difficult. If the thieves use false deeds, it is possible to prove that you had nothing to do with the loan or purchase. However, if they use a real deed and/or have your authorization, this gets dicey. And taking effective legal actions is next to impossible if you sign the loan papers.

Here are some tips to help protect yourself from such scams: 1) never sign anything you haven’t thoroughly read and if you are in doubt have your attorney review the documents before signing; 2) throw out any peddling loan lenders; 3) keep important documents, such as your deed, in a safe deposit box.

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