auntie uncle no matter how uneducated also know to buy, rent out and keep.. or buy in cash and keep..
my uneducated grandpa who never been to school also know about buying land with cash and keep, buying shoplot with loan and rent out..

i dunno y the current gen y mentality is poorer than uneducated auntie uncle.. they tot uncle auntie buy with loan, keep without renting and sell with negative profit.. 

These pipu has mental block and self deceived because can't afford buy house, i have seen many in real life.

when i chat with them they say hope house price will drop. well they can't afford now they can't afford even 20% drop. prolly hope for 50% drop like bearbear.

really pity them have to live in dream

I did factor in this aspect but to my surprise that some people dun agree it.
IMO, if buy for own stay, rental shd be calculated in also, it is part of the savings

Other than sentimental reason, there is no reason to own property when price/annual rental is more than 20.

I hv a 70% loan with a bank, my property has gone up 67% now, I try to refinance my property with new valuation but it was rejected, bank says my income cannot support a higher loan. I try 2 banks
It is not easy to refinance as claimed by you
My LTV stands at 43% now

Biasalah...
A few hardcore DDD always say "UUU camp says market always up, forever up and no corrections"
p/s : I damn miss the GOLD fella lah, he knows m goin to screw him for th PIGS (Euro crisis)

shop leh.. generating income.. 16 k though bit high unless really mature areas... ur shop berapa tingkat? 20 x70? or only ground flooritself di 16k? 16 k return.. this shop maybe around 3.5 million to 4.5 million... lowyat ah?

Look like u oso think property is good investment. Only thing is below 500k property. Which project u refer to ? And Y u think tis project got potential ?

Actly I try to say. Property vs stock. The risk on stock is higher but can make money faster. Borrow or cash buy is diff story.

U dun play margin of coz will be low risk. Coz u can hold share. Pls be reminded listed comp can be disappear, 5 share become 1 share. Right ?
U buy land. Can land disappear ?. Or 5 acres become 1 acres?. If really die u still got the land. Right? If share really die.. Share become toilet paper. Right? 

foreclosure different ball game liao... asking price cannot quote liao.. evrytime bo bidder.. drop 10 percent.. if got ppl bid then ok.. some place no one want to bid..

U agree dat outskirt project gone.. if loc is imp

Our 2 big brothers.. echo hillzz and south vxxlii.. consider ah?

Oh ur loc is that term.. yup I agree.. even kajang.. taiping.. semenyih.. seri kembangan.. ipoh.. kampar.. can be good loc.. but certain spot in the prine area.. but some area /loc are not even in ur list.. likewise stated above.. even it is it shall not interest you.. coz u need to wait..

rental yields in shop are for high end/long term investment

Wah dailou.. these are big players..  bangi hub there many semi d factory..sg chua oso has semi d factory..
I m zero in industries.. but srmenyih many factory one..

Pros & Cons .... hmmmm ?
It really depends on your CURRENT economic situation and the central banks objectives. The noble objective is to have economic stability so business can run as usual.

Using foreign reserves:
The main purpose of foreign reserve is to support own currency. Msia and other emerging countries learnt their lesson during the Asian Eco Crisis. Thus, BNM using it now for that purpose is correct... imo.

As for the other countries.... maybe their foreign reserves are not strong OR there is no perceived bubble in their economy.... I'm just guessing. This deeply depends on their export capability. If your export is good, your foreign currencies holding is more. So weaker currency improves export which translate to improve foreign reserves. BNM may let RM be low for awhile in order to replenish the foreign reserves required to purchase their bonds.

Using Interest Rate:
Increase interest rates helps to bring back hot money into their economy hence raise their currencies. It's like Bank A give 5% in FD while Bank B give 3%.... ppl will deposit their money in Bank A. So in this sense, we are looking at countries. However, this have side effects.

Raising interest rate will also slows down economy. Businesses may hire less or opt for VSS if the financial obligation is too high. Since 2008 subprime crisis, interest rate has become impotent tool to balance the economy. Quantitative Easing (QE) by USA also make it really difficult. Printing money (QE) flood the world with cheap money (low interest rate), inflating bubbles in every sector of investment vehicle. Top 3 economies in the world are doing that .... USA, CHIna & Japan. China is different that they peg Reminbi lower to USD.

Central banks need to play a balance game with a correct interest rate. But with boom and bust in economy, this is getting harder to dampen the swings. However, I believe BNM is prudent. They kept BLR at 6.x% for sometime. However, banks were lending out BLR - 2.x% giving an effective rate of 4.x%. This is due to QE earlier mentioned. Competition with cheap money. BNM is coming out with new framework for housing loans. Base Lending RAte (BLR) means BASE or the lowest rate. Banks broke that rule..... 

That's why economist with Austrian and Minsky background cry foul when Fed Reserve (USA) started QE. They expected FED to increase interest rate instead.