This is not the only instance where his trueself is revealed. Plenty of other instances.

The way our friend carry himself and yet die die wanting to associate himself with Dalai, that is the biggest insult to Dalai.

I mentioned in other posts, our friend placed a convex mirror in front of himself, and he constantly gets the inflating feeling back to his ownself.

I re- asked my retired friends this morning. Add up ages is 314 year old ( excluded me).

They all agree that the crony bought my semi D is water fish. My friends said... they more salt than you eat rice wo.

Oh yes... your mate in "why you buy Cyberjaya?" thread also called the buyer as "water fish". Please do the same to them. told them "  vr immoral"

on that 10 ppl attack me things .  you know i know la, they are all from UUU group and they are from the same person will duplicates accounts?

Please help me to request your friend there how he/she insulted Dalai Lama. You are going to be shock how "more vr immoral" he/she is.

no offence again. Just sharing la.

Please have trouble to called crony property buyer as water fish next time. 

When I sold my house to my buyer, I wished him good lucks.
Recently when I went back to collect my letters, i found out that the wish came true.
He is rich now, changed bigger car and is planning to buy semi-D.
Win-win!!!

Hope tikaram learned a lesson here. Regardless of whatever reason, never call your buyer a water fish. Cheers tikaram boss.

Pls allow me to giv an example.

Dengar dengar dengar

I think whether you say it out load (i.e. calling someone water-fish) or not is irrelevant. Its more about whether you think it and feel it inside that's important if you wanna talk about karma... Those of you who accept this perspective have a lot of self-reflection to do especially those dishonest agents, flippers who wanna make a quick buck, staff of developers, etc, etc ... no?

My opinion only...

Why wasting time perform reasoning with morons ?

You use your adult logic, morons use moron logic. They won't converge.

Thanks... btw, I'm not born in 1985... But its interesting from a karma point of view... which is worse 1) a person who says it out loud (i.e. water-fish) or 2) a person who thinks it to himself/ herself but doesn't say it out and pretends to be one with good karma and criticise those that say it out loud ??? Interesting question to think about while we see how the market it headed... 

Apologies for dwelling on the Karma subject.. I think its very related to what we do everyday... not everything is about money and lifestyle.

Anyway, wow whats up with the stock markets these few days... all red!!! Hmmmm... impact on property market?

I am confused with ddd camp. Not sure what are they doing here? Some ddd camp like TIKARAM even more confusing themself. Every thing about property is bad bad bad in this forum. Really damn bad. But whn come to buying spree, even the uuu camp also have to 2 hands up if try to beat him.

His total buying = 14 bijis. Breakdown for most pessimistic ddd camp TIKARAM as following:

1. Empire Damansara = 2 bijis
2. C180 = 2 bijis
3. Jadehill = 2 bijis
4. Kepong sentral = 2 bijis
5. 7 tree Seven Residen cheras = 2 bijis
6. Alam Sanjung = 2 bijis
7. You city = 2 bijis

TOtal = 14 bijis fr 7 development (both new and subsales)

Tell me, whom fr uuu camp can beat this fela?

Wow, the difference is so much 

Your case is not new. Have been hearing it since late last year that the banks are giving lower valuation than market.

It shows the BNM is wary of the hot market and trying to reduce speculation. Cooling measure is good. Controlling the size of the bubble is better than letting it continue to inflate until bubble burst. But it will affect the genuine buyers' ability to buy property.

I left out 1 biji? Oh mang, my bad. Its total 15bijis now.

I don't buy many now wo. I bought few before 2011 and sold slowly ma.

1) I have  small jv business..still have income..and some other passive income too like rental, dividen.
2) All loan apply with a bank that understands & accepts mature age borrowers like me. I often go back to the bank that i know.
3) Need to tell your bank the " exit strategy "... the bank offer will buy your story.
4) You need to show ability to repay the loan...with some ....FD....amanah....share....fully paid off propety....something like common sence lending la. If you have that much of money. But will be very comfortable with it.
5) shorten the lenght of your loan. - it show u are prudent. most bank like this.
6) My wife still working ma. She still have employment income.
7) Can also bought "rental play" property using company ma. using company have many "tax"advantages...
8) U can recorded "one loan" but  buy buying 2 same developer properties.

my age is below 45 yo ( but i lazy to work.so retiring lo)...some bank still categories me as "not old"

next time when you saw some uncle / auntie buying...can also asked them how they get their loan.

Bro, 8K monthly income to buy 800K property still said affordable?     

How about maintenance fee?
How about car installment?
How about insurance?
How about food?

and etc....

If the 800K property is for investment and staying with parents then is ok because of rental. But if 800K property is for own stay i think is not affordable lo....

I commented in version 10 that everything is looking too rosy with bond yield all time low, equity all time high and property prices all time high, all dirven by liquidty. With the unwinding of liquidty now, MGS yield has steppened, USD to RM today 3.197......next should be equity, which we will see a huge reversal of foreign fund...... Property? if market panic......i think we will see people locking in profits, more selling than buying and price will drop.....coincide witht the oversupply of high rise coming 2014. If i am thinking of buying, i will hold on first.....i think we should see some correction (>10% drop in MV) in 2Q14. Just my thought.....

i think that is the case now - for 1st prop. possibly banks are running out of "great" borrowers, so tis category wil get loan approved.

the trouble is after 3k, the balance... will need very disciplined and thrifty ways to live. everything much costlier now.

add in kids and parent's support, kind of a "living hell". i will not like to live that way.

8k income, 500k home will be max for me.

boss, just because your 'fren' failed doesn't mean everybody fail to manage their financials.
but honestly, i salute those rm3.5k salary earners driving >rm100k vehicles.

affordability is vr subjective one...some manager earn 8k but they think they only afford to buy a Vios, some youngster 3K only still stretch themself to get a VIOS...if youngster can stretch themself to get expensive car...they can stretch themself to buy a house too...car & prop is diff products but what i mean here is the mentality of youngster.

what im trying to say is for youngster that choose property over car, they can go for 800k prop if they wish too...and many of them havent bought any house yet, so the demand is still there...

Hmmm I hope someone remembers the above statements... If 3K can buy vios proton better close down... lmfao!!!