But my question is this, should the worst occurs and we experience what the Americans experience during the '08, even thou you have holding power but your props are 30-40 percent underwater, how long must you wait for the prices to even return to the level you bought, much less increase, if it ever does.

For example, some houses in the us never went back to the level it was first sold during the bubble.

bcoz they are looking at the wrong things.

my 'preferred' indicators are very simple. 1) debts level and 2) broad money growth. When 1) reach saturation and 2) slow for few quarters straight, the end game is near.

What is now?
1) Congrat, household debts level breached 80% in Dec 2012! (Bafia & Dafia but ex. private loan/unlicensed/ah along)
2) money growth continue to slow for over 2Q now.

We are near. But there will be a time lag before the price really response. 

No body will know the date to be fair. Even Soro can't predict the date when Bath could go down, but he knew the maturity of short term obligation and the size of it. When it happened, he just ride on it.

Really silly when see ppl tirelessly ask something like when the market (they also love to probe people by giving a date) will go down or up and worst off, quantify the intensity of the up/fall like 10% or -20%. Normally they feel himself 'good' when the other don't answer him. But he never know he was the one asking naive question.

Household debt vs GDP reached 80% This is totally insane.
BNM would be in dilemma.

Correct me if I'm wrong on the following calculation....
140% Debts/Disposable Household Income
If Mr Z debt amt 300,000
Disposable Income = 300,000/1.4 = 214,285 (Annual income after Tax)
Mr Z monthly income = 214,285/12 = 17,857 (after tax)
300,000 monthly payment est 1,500, I'll round off to 2,000
Mr Z income for other expenses after debt payment monthly = 17,857 - 2,000 = 15,857

I'm not into economic study or whatsoever, jus wonder anything wrong on my calculation?     

And this does not included or concern on assets value too right? If the asset value 1,000,000 now?   

   
Does it make a difference in the calculation answer on different number of ppl???
Nice try.....   

In some ways true.

Judging by the crisis hitting Europe and the US, we middle class Asians actually have it better than than them.

Haha. How could a self proclaimed oil&gas expert survive with this stupidity in the energy industry?

of course education is very important, otherwise we won't send our children to school.

intellectual helps to increaase the level of civilization for the country. yes it may help for financial freedom too, but it doesn't help if someone without field knowledge, no action and keep telling the theory, also keep telling the fundemental.

a successful businessman may not have Bsc, MBA or PHD, and proven that most of them doesn't have, because they understand the business, knowing well the market.

i'm not a top student before but still holding a bachelor degree, i have friends in both side; educated, uneducated and uneducated but smart, i also friend with developers, car dealer, 1 of the top 10 young entrepreneur winner 2012 also my friend, high pay O&G employee too. i have also friend with working level 9am-5pm but earning peanut, crying for homeless everyday.

i can sense that many forumer are wish to earn big buck, especially in property, otherwise won't lepak here, it's sad that many good talker were miss the chance whereas their young cousin who know nothing much can made 100k or 200k for the past.

my friend, earning big buck is not how well you can talk, is combination of your experience, your courage, the timing, your patient, your luck, your connection etc..

李嘉诚:-

文憑不過是一張車票，
碩士是高鐵，
大學是自強號，
專科是普通車，
高中是站票。
到站後，都下車找工作，
才發現老闆並不太關心你是怎麼來的，
只關心你會做什麼。

True, winning is not just the knowledge. You need experience, courage to take some risk, knowing the timing, controlling emotions, patient and lucky and lotsa lotsa luck (religious people called this "Blessings").

In Malaysia, and since we are mostly ordinary Malaysians, you need CONNECTIONS to get something "more" than the other. Everywhere is like that too, but different ways of getting connections. 

I feel Malaysians have been complaining too much these days. They complain yet they don't find a remedy for themselves - other than gosipping it all over their social networks.

Generally, Malaysians are also pampered. They want everything CHEAP and FREE without knowing the cost to subsidy. They want information to come to them like rain dropping from sky - without knowing how rain is formed. Example: "please PM me. Please PM me. Please PM me." If you PM them, they will ask: "please advice me. Please tell me can buy or not. Please tell me to buy."

Then, Malaysians are actually the most KIASU people now.

Listen to what people complaint is good, but simply because of too many people complaint then u are sure something is wrong not really make sense as 1 of the important rule in invesment is "never blindly listen to the crowd".

What's your present plan? Waiting for opportunity drop from the sky?

That's a good plan baby