wow again!

wow....

this is the best comment for me in 2013 in property lowyat.net

I agree we really need to invest in education.

A lawyer DDD group lawyer bought the investment by doing lots of homework below:

1) he can afford it
2) he like it
3) he have calculate the risk
4) he is familiar with it
5) he know what to do with the investment
6) he is looking long term

Got so many silly Up up up group attacked.

Any people should learn how he has done his homework and we got free education from this lawyer.

One regular forummer even naively saying "Abang, Developing country have more spending power".

For sure is Canada la..........

How many people can afford to buy Iphone 4 in Canada Vs Malaysia?

More other reasons why those type of buz not working la........

Another simple example, Canada Vs Bangladesh. where have more spending power?

Can we moved on on? Not talking about all this none property? So many of us think u are talking cheap... ...u don't freel bore and un mature meah?

dont be angry pig ya

This post has been edited by tikaram: Mar 27 2013, 08:40 AM

shooting meah? You worry too much people never shooting you la. Just educate you a bit.

last time u called me angry bird. So this time I call you pig lo.

This post has been edited by tikaram: Mar 27 2013, 09:42 AM

u relax la. property drop no so much. don't be too sensitive and be positive la.

pig also cute and pretty ma. Also taste wonderful.

Already sold lio lo.....tell you so many time d.

U still can get it from others la. but maybe need to pay more. u can afford ma. Multi milionhair sup sup water only.

Don't be angry pig ok?

keep the good comment like " Canada spending power less than bangladesh"

This post has been edited by tikaram: Mar 27 2013, 09:54 AM

why felt people atatcking when someone called you by animal name?

but, you have right to call someone animal oh? why so double standard one?

if it is truely attacking. you do it first mah. correct?

don't be too emotion la. afterall this is just website. already v10... we know who is bullshxx and who is not.

This post has been edited by tikaram: Mar 27 2013, 01:20 PM

strongly agree... don't bullshxx first. be tycoon 1st la.

i also don't believe u are tycoon. not just him.

and more also think u are not.

don't so serious la.

This post has been edited by tikaram: Mar 27 2013, 01:28 PM

that's why i said don't be too serious la.

The world is soooooooooo big and you are soooooooooo small.

Being an accountant I don't believe leverage. Leverage take high risk. Accountant usually dislike risk.

My investment i try to take lesser loan with higher down payment with some tax planning in mind.

High leverage not just risky. but it also more costly. I believe, if you take high loan. Your gain is partially fund "banker".

Why getting 3.2% interest but payment 4.3 % interest?

Worst when the interest shooting up after PRU.

try doing some excel sheet. build a "what if " senario and you will see the different.

best if you have include some tax on your model.

you can said. high leverage. you put 10% downpayment (30K) and you get ( 120k). That is 4 times. You can earn 4 times if this if that...

but if you do it slowly. you for sure can make 2 times. Money can be make any time / moment . if today i can't make this. Maybe tomorrow i will. Why take such a high risk?

This post has been edited by tikaram: Mar 28 2013, 09:13 AM

is die die must answer.

maybe those country bank that have high expose to japanese market?

This post has been edited by tikaram: Mar 28 2013, 09:16 AM

why malaysia?

Zeti not going to increase rate b/4 PRU. Up upu up People keep hopping lower rate. LOL

She also not going to impose more measure on the loan things before PRU la even she knew how bad debts situation now.

It is very normal the center govt act like this. Political pressure la. Why so many people don't understand this?

This post has been edited by tikaram: Mar 28 2013, 04:34 PM

correct.... i am pointing it to up up people la.

propability interest rate up is greater than down.

This post has been edited by tikaram: Mar 28 2013, 04:36 PM

i dislike this title.

people just join us don't understand. wtf this mean " V10 - Property Prices (Up, Down or .....), and the debate goes on and on and on ... "

I want to share that 2 people was wrong @ bumi luck post. That 2 up camp start with Manut & Amint....

Please don't fool people in forumn la.

Bumi cap in ASB is 200k, Bumis aslo have many others fund tabung haji, asn, angkatan etc... if combine wife, children and etc... tak habis makan la.

See how the 200k cap turn into 2 mil. How can we, chinese got this type of luck?

I am taking 9% return. You know i know some year asb got higher return.

Amount
Age - 200,000.00 Initial Investment
21 -218,000.00
22 - 237,620.00
23 - 259,005.80
24 - 282,316.32
25 - 307,724.79
26 - 335,420.02
27 - 365,607.82
28 - 398,512.53
29 - 434,378.66
30 - 473,472.73
31 - 516,085.28
32 - 562,532.96
33 - 613,160.92
34 - 668,345.41
35 - 728,496.49
36 - 794,061.18
37 - 865,526.68
38 - 943,424.08
39 - 1,028,332.25
40 - 1,120,882.15
41 - 1,221,761.55
42 - 1,331,720.09
43 - 1,451,574.89
44 - 1,582,216.63
45 - 1,724,616.13
46 - 1,879,831.58
47 - 2,049,016.43
48 - 2,233,427.90
49 - 2,434,436.42
50 - 2,653,535.69

This post has been edited by tikaram: Apr 1 2013, 08:16 AM

brother i have used this chart before "teach" that Cherry.
Glad to know someone read the economist. i agree this is a very good info. look like not many people appreciate the economist/ read economist but talking BS here. ( like this Mod. Cherry)

if you read the economist. Year 2000 to Year 2005. It always cover malaysia as part of the statistic. But since 2006 onward. Malaysia slowly being replace by Brazil, Indonesia.

But Singapore is always part of it. Malaysia is always around 50% worst. You do the calculation la.

bolehsia. In my opinion is 75% near Singapore level on this property things.

This post has been edited by tikaram: Apr 1 2013, 08:29 AM

I am not complaint. I am just sharing ... please refer to waht i wrote " I want to share that 2 people was wrong @ bumi luck post. That 2 up camp start with Manut & Amint...."

I also wanted to share. Those poeple saying how one day our epf will bailout the asb.

see below self explain comparison. this is a fact again I am not complait here.

If I complaint. This is also my right mah. As my epf will fund the govt link things anyway.

This compuatation. Initial @200K at age 21 EPF return 6% VS the ASB 9%. At age 50. asb earn 2.653 mil vs epf 1.148 million. ( further the epf money maybe will bailout asb)

EPF 6%Amount vs ASB 9%Amount
Age - 200,000.00 vs 200,000.00
30 - 358,169.54 vs 473,472.73
35 - 479,311.64 vs 728,496.49
40 - 641,427.09 vs 1,120,882.15
45 - 858,374.14 vs 1,724,616.13
50 -1,148,698.23 vs 2,653,535.69

In malaysia. Sucessful person can be no need to work around.

Syed Mokhtar Al-Bukhary : 6th richest Malaysian.


This post has been edited by tikaram: Apr 1 2013, 09:10 AM

I am sharing the 200k notes that you put.

200k husban, 200k wife, 200k son, 200k daughter,

wow . 800k become : 10.61 million.

this is just asb. some more got other tabung haji, angkatan , asn, this and that.

see the fact? 800k become 10.6 million. Guarantee ( if bailout many people saying bailout by my money in epf)

i am bring this on the tat post on rent yield. we need to work so hard to get that 6% rent yield and self contribute into epf. one day have to do the bailout some more from our epf.

This post has been edited by tikaram: Apr 1 2013, 09:26 AM