Fat Boy steamboat

Fat Boy is the one usualyl stop at outside pubs

Always see pub amoi eat

I believe things are slightly different this time. Because by giving in Obamacare, it will affect his political votes.

Obama is on 2nd term already, that is the max for US president. He will no longer need anymore votes in the future. Obamacare is his legacy is USA, sort of putting his name in history... if this fails, he will have no 2nd chance.

Wonder if the good folks here can give me some pointers.

I'm about to purchase my first home. Do you guys think it's wise to take a loan for the biggest amount possible and invest my leftover income and savings in mutual funds? Or would it be wiser to take as small a loan as possible and pay it off sooner by forgoing investing?

for house? go for the lowest amount of loan u have to pay every month, the longest duration, the biggest house u can get. becos house appreciate, so u dont have to worry much.

must note biggest amount loan you taking, then how much loan interest and how long you need to suffer.
Current low interest...then you can be happy..but once the interest rate up, you prepare use what ever have juz to pay loan.

Alwasy remember investment or loan..try to made sure it dont took big chunk $$ CASH FLOW.

IF gone wrong..juz a small portion fo your monthly cash flow.

Yeah this is what I've been thinking. I'm also worried that I may be doubling down on my risk because if my investments tank I might lose the house as well.

Advice noted. It's true that our current home loan rates are pretty cheap. Under what conditions would the interest rate go up?

I can afford to service an 80% 20 year loan. I'm wondering if it makes more sense to take a 90% 30 year loan and throw the balance into mutual funds.

US reduce QE3 - printing more money..therefore..the interest of US treasure bill will up.
Our Bank Negara want to avoid Hot money flow back to US$ leaving..no choice our BankNegara will increase MGS,

therefore OPR will follow rate increase.

Stay tune to US news update...

90% 30 year or 80% 20year ...how much will eat your CASH flow monthly...

remember minus your Salary - Saving = left over is your expenses.
Saving that you put aside monthly and wont jeopardize your expenses which are your LOAN installment + daily expenses + etc

This post has been edited by felixmask: Oct 4 2013, 04:35 PM

Ajinomoto?

FooGray,

i think 1 MAJOR item to worry about (other than interest rate/this/that may go up/down):
When U buy into a mutual fund - U LOSE x% to x.x% straight away
Thus, if U use LEVERAGE (ie. borrowings) to execute mutual fund purchases... wouldn't the initial loss be amplified?

Then in addition, how ar if it's stagnant OR go down OR go up a bit only per annum?
Your probability of winning is higher only in the long run (ie. more than 5 years).

Thus, in the short run - if U can cover and are ok, no probs (ie. can hold and service the payments WITHOUT selling or getting any dividends for 10 years or more)
Keep in mind - if/when kaka hits the fan, are U sure U can hold?

Problem / Q solved?
Just a thought

This post has been edited by wongmunkeong: Oct 4 2013, 04:34 PM

SORRY..EAT TOO MUCH...MSG.

DIE DIE liao
Changes To Star Ratings 3Q 13: Lowering Ratings On Australia And Malaysia October 3, 2013
Following our end-quarter review, we have adjusted down our ratings on the equity markets of Australia and Malaysia
Author : iFAST Research Team
https://secure.fundsupermart.com/main/resea...?articleNo=8770

same 2.5 star rating as Thailand & Indonesia

This post has been edited by yklooi: Oct 4 2013, 04:44 PM

GOOD POINT..

What SEAFOOD Wong..want to hightlight do homework when Invest...noting is guarantee can profit easily with the risk Market cant turn bad therefore you investment will be paperloss.

2ndly - Fund usually charge us with service/sales charges, which you wont easy gain profit within 1 year investment.

That one also good dividend stock... got buy?

Revenue dropping
Profit dropping

U TROLL ME AR

No arr.. i value it ok ah.. the revenue and profit drop IMHO is temporary..
Net cash, healthy balance sheet... and consumer stock.

Will stay tuned to the news. Both options would account for 35-40% of my salary.

Thank you. Got to give this a lot more thought.

I'm planning to stick with it for the long haul. My plan is to to invest the 10% downpayment I would be paying, along with the difference in monthly repayments over 20 years. Then draw from the profits to pay off the remaining 10 years of the loan. I'm 30 this year and don't want to be working to service the loan until I'm 60, so I've set a goal of 50 for myself.

Have any suggestions of funds I should be investing in?

So, lu ada simpan tak?

Hi gark,

Have you visit ajinomoto factory at Kuchai Lama ?

can smell sufur behind the factory..scare Environment Agency complain - ?? any news they will locate their factory ?
becoz the location factory kuchai lama can develop to housing

very good cost effective..hire Foreign worker only. cheap and good.

I dunnow Ajinomoto business..my wife dont like that brand MSG so didnt see the consumer market ..except big restaurant..