Clash of culture

http://www.wilsonquarterly.com/essays/japan-shrinks
Clash of cultures:

I am in Amed a village on the Eastern shore of Bali, Indonesia. I have a lap top with a modem that is the size of a memory stick and gives a good connection via the mobile phone network.

I have had a bank problem created by my native guide, driver, good man Friday who abused a debit card I gave him to get cash as there is no ATM closer that a hour away. The bank canceled the card when I reported the unauthorized use. The bank in California sent a new card to my ex-wife in Florida who sent it to me FedEx. I can track it from USA to China, to Singapore to Jakarta, to Bali.  The remaining issue is getting it from the FedEx office near the airport or in Ubud to Amed.

I used Skype to call the offices to use a courier to bring it here and failed to communicate, our housekeeper no better luck with a cell phone. We could not exchange e-mails. Thus the clash of cultures with technology having different power depending on the local conditions. The local management does not understand FedEx, PayPal, banking credits and debits, but are very deft with cell phones and the internet.

The bank debit card is my only way to cash as I can not get a local bank because of immigration rules. You have to become a resident to open a bank account and it is almost impossible to become a resident.
My parents were tourist in Spain for over 30 years and no problems and I had a bank account as a visitor.

So bureaucracy is different in less developed and less democratic places.

This is the real clash of cultures – not religion but organizational capacity. Low efficiency  and poor educational systems goes with low pay (here $100 a month going wage) low productivity ecology.

I have been looking on the web for a year to find the best place to retire - live reasonable (with a $2000 month pension) safe, civilized, etc.. There are places that are wonderful but expensive, places that are very cheap but rough and unpleasant, I don't think you can do better than here in Bali - Hindu - good karma - but I am going to look in Thailand and Vietnam to see for myself.
Do you have any ideas and suggestion?
https://sites.google.com/site/bobbysvillasbali/
A social six months visa:
https://sites.google.com/site/wiredbrain/
I have a loft if you want to visit

MUCH of the blogs and reviews of SE Asia are prejudiced by cultural bias. No it is not Cleveland but further west, so far west that it is the far east. After six months it will all seem normal. The disorder becomes a new kind of order, difference becomes the new normal. What is misunderstood becomes understandable. A little cultural anthropology in the field.

You have a bunch of tourist who don't know much – unlike the British foreign service which has long time residents, the Americans have tourist who just begin to understand when they are transferred, as are generals in command of the wars.

Don't believe much of what you read from tourist.

The St. Thomas USVI joke. There was a West Indian who suddenly died. When she met St. Peter she was told that her record was incomplete so she would be given a chance to visit heaven and hell so she could decide for herself where to spend eternity. She when to heaven and it was a boring! Just a bunch of angles sitting around praising god and singing hymns, not up beat at all.
Then she visited hell and it was just like the West Indies, beach party with steel band, rum, sex, dirty dancing and rag gay. So she choose hell. BUT when she returned it was hell, fire and brimstone (what ever that is)
She complained to St. Peter who told her that last time she was a tourist.

Americans and Australians are more provincial than Europeans because they are all over the blasted continent. Not much difference between regions and cultures in the great melting pot – a pot that contains too many ingredients becomes a mush as too many colors become muddy brown; lacking high points and sophistication. Sidney becomes American, holiday inns, Hummy foods (KFC, subway,) Big Mac, whopper, fast food mass produced...and not really cheap.
You have a bunch of tourist who don't know much –unlike the British foreign service which has long time residents, the Americans have tourist diplomats who just begin to understand what is going on, when they are transferred, as are generals in command of the wars. Even ATT did not want their people going native so moving left them with only the company as their society and their total commitment.
No wonder we don't know our way around Cuba, Syria, Iran, Mesopotamia, Vietnam, USS-was, etc.. Don't believe much of what you read from tourist. Journalist can be better but there a few real foreign corespondents left. Just helicoptered in faces on green screens. It's Friday so this must be Istanbul -

https://sites.google.com/site/bobbysvillasbali/
Dr. Peter E. Pflaum, [email protected]
Yum! Brands, Inc. or Yum! is a United States-based Fortune 500 corporation. Yum! operates or licenses Taco Bell, KFC, Pizza Hut, and WingStreet restaurants worldwide. Prior to 2011, Yum! also owned Long John Silver's and A&W Restaurants.
Based in Louisville, Kentucky, it is the world's largest fast food restaurant company in terms of system units—more than 39,000 restaurants around the world in over 125 countries.[2] In 2011, Yum!'s global sales totaled more than US$12 billion
google.com/site/bobbysvillasbali/
A social six months visa:
https://sites.google.com/site/wiredbrain/

I have a small pension and want to find a nice place I can afford to live.
I left the country (USA) Jan 15 2013 for Bali,  I am 77,   recently divorced, a retired professor. I have been 30 years   in New Smyrna Beach FL with my now X-wife in a $500,000 house I paid for thus have a settlement. I have good character: a professor at leading universities with degrees from the University of Chicago (BA), Harvard (Ed M), FSU (PhD). I have been a high level federal employee   with security clearances.

Dr. Peter E. Pflaum, GlobalVillages
[email protected]
https://sites.google.com/site/wiredbrain/
Villas Amed (Bobby's Villas) [email protected]
Bali Jl. Raya Amed, Karangasem, 80361 Indonesia
in Amed Beach Jemeluk
Dr. Peter E. Pflaum, GlobalVillages
[email protected]
https://sites.google.com/site/wiredbrain/
Villas Amed (Bobby's Villas) [email protected]
Bali Jl. Raya Amed, Karangasem, 80361 Indonesia
in Amed Beach Jemeluk

If you have a Kitas and a passport then you can open a bank account in Indonesia. I have 2 accounts and everyone of my teachers who comes to Indonesia opens a bank account once they have the correct legal documents. Perhaps you should try a bit harder with the banks, assuming you have the correct paperwork to be in Indonesia.

Peter, get a retirement visa which is good for 5 years and you can stop messing around with renewals every month and visa runs to Singapore or wherever.  At your age and if your plan is to live in Bali, that is the only logical way to go.  After the five years are up you can convert to a KITAP visa which is a permanent residency status visa.

Living here using a sosbud visa makes no sense at all. 

Use a good and reliable visa agent and don't mess around with amateurs. 

http://www.bali-expat-business.com/

They will act as your sponsor for the retirement visa as well as for your KITAP when the time comes for that.

As Luke writes, once having a KITAS visa in hand (such as a retirement visa) you can open an account in any bank in Indonesia. 

As for FED EX, I've been doing import/export business on Bali for about 16 years and they are the hands down WORSE company on Bali to deal with, especially for anything incoming.  We will only use DHL for express matters, but in reality the postal system here is quite good and EMS works perfectly well.