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Financial BLR Increase 2014?, Base Lending Rate.

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bearbearwong
post Jul 17 2014, 03:58 PM

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QUOTE(Jliew168 @ Jul 17 2014, 03:53 PM)
First u must learn no to be greedy unless u very loaded.

For me when time to sell is when your bank instalment left with 15 months of your reserve .always make sure up have more than 1 years reserve for instalment..start to rent out cheaper price so that your reserve can last longer..

Sell at minimal profit if reserve less than 10 months... Do t greedy coz selling proses can took very long.

Don't forget to pay your instalment...relation with bank very important..when borrow u pawn your credibility.
You can't go anywhere without credibility.

Be fierce when u confident and most important when u think u can , be safe than sorry when luck not on your side.
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too late for the rest... developers now turn greedy than you all.. you buy from them, confirm no room to up price.. should have gamble gradually.. profit little bit by bit, now investors kill the game so early.. after developer become greedy
bearbearwong
post Jul 17 2014, 04:00 PM

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QUOTE(Tigerr @ Jul 17 2014, 03:48 PM)
Then, why many DDD keep on upload articles published in the paper here??? tongue.gif
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oh.. property market down is negative news.. no papers will want to post the same.. neither any sponsors want to do the same.. if property advertisement to sell of course big cover

you need read and pick carefully the papers.. actually wasting my time only.. jokers you trying to be funny... you know this all the while..
SUSgogo2
post Jul 17 2014, 04:02 PM

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QUOTE(bearbearwong @ Jul 17 2014, 04:00 PM)
oh.. property market down is negative news.. no papers will want to post the same.. neither any sponsors want to do the same.. if property advertisement to sell of course big cover

you need read and pick carefully the papers.. actually wasting my time only.. jokers you trying to be funny... you know this all the while..
*
Everyone know la. Not stupid la. nod.gif
Mathew86
post Jul 17 2014, 04:05 PM

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QUOTE(bearbearwong @ Jul 17 2014, 03:00 PM)
that means holding.. credit locked.. new launches no credit to stretch..

capital gains is always the first prime choice than renting game... only failed investments will mostly revert to rental games..
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Don't say like that , I purchased my property last year November 2013 ... I rented it out on January 2014 not because I fail my investment , just wash hand only.
bearbearwong
post Jul 17 2014, 04:10 PM

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QUOTE(Mathew86 @ Jul 17 2014, 04:05 PM)
Don't say like that , I purchased my property last year November 2013 ... I rented it out on January 2014 not because I fail my investment , just wash hand only.
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only most investors.. but not all

just i kepo ci.. rentals cannot cover installments right? or your type IS GRR?

This post has been edited by bearbearwong: Jul 17 2014, 04:14 PM
cherroy
post Jul 17 2014, 04:15 PM

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QUOTE(bearbearwong @ Jul 17 2014, 02:55 PM)
Nokia do not contribute to US economy? Economy good = any job retrenchment? holding a lot of property market.. biggrin.gif

PC-maker Hewlett-Packard Co is in the midst of a radical three-to-five-year plan that will lop up to 50,000 of its 250,000 staff. 

Chip maker Intel Corp and network equipment maker Cisco Systems Inc both said in the past year they are cutting around 5% of their staff

International Business Machines is undergoing a "workforce rebalancing," which analysts say could mean 13,000, or about 3% of its staff, being laid off or transferred to new owners as units are sold.
*
Nokia is losing market share and not as dominant as last time.
PC maker market has been "eroded" by tablet.

The trend is changing.
Those early and adopt well in smartphone and tablet flourish, while conventional PC market that fail to take advantage of the smartphone/tablet/cloud services are left behind.

Even overall economy situation is good, there are job cut as well, due to
individual company/sector is not doing well
restructuring of the company
etc reason.

Now you hear the job cut a few thousand staff, ten of thousand staff, but when the corporate hiring back time, they do not announce big.
So we can't always conclude just there is news of job cut by MNC, then economy must be in doom and gloom.

Hiring, retrenching are part of cycle of employment situation.
We can't always read the bad news, while ignore the good data.
Situation may not as good but not as bad as well.

The analogy is like we have plane crash, car crash every year, every day, the label it is dangerous to ride a place and car because it can crash. smile.gif
Out of 1 plane crash there are 10 million plane landed safe.
Out of 1 company retrenching, there may be 100 other company hiring.

So in order to judge the overall, macro situation of economy, you take the total.

The overall job created >200k per month speaks all the economy situation.
The all time high stock market speaks how well the overall corporate profit is.


bearbearwong
post Jul 17 2014, 06:20 PM

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QUOTE(cherroy @ Jul 17 2014, 04:15 PM)
Nokia is losing market share and not as dominant as last time.
PC maker market has been "eroded" by tablet.
this source is from MBA cherroy?

The trend is changing.
Those early and adopt well in smartphone and tablet flourish, while conventional PC market that fail to take advantage of the smartphone/tablet/cloud services are left behind.

Even overall economy situation is good, there are job cut as well, due to
individual company/sector is not doing well
restructuring of the company
etc reason.
like this no economic is bad.. better read up on "Overdose in US"
Now you hear the job cut a few thousand staff, ten of thousand staff, but when the corporate hiring back time, they do not announce big. why dont they announced? very shameful to take more man power?
So we can't always conclude just there is news of job cut by MNC, then economy must be in doom and gloom. are we going to conclude that economy is good then?

Hiring, retrenching are part of cycle of employment situation.
We can't always read the bad news, while ignore the good data.
Situation may not as good but not as bad as well.
like say nothing at all.. like property getting alot in Malaysia, but birth rates also catching up.. so to say oversupply , we are not coz we have not reach 30 million property yet..  so based on overall result property are still under supply.. that is why we need to built more and buy more.. but why government still impose restrictions on property? like RPGT, DIBS, foreigner consent.. I know the government and the public failed to see what cherroy sees.. or maybe government is itchy hand simply impose rules

The analogy is like we have plane crash, car crash every year, every day, the label it is dangerous to ride a place and car because it can crash.  smile.gif
Out of 1 plane crash there are 10 million plane landed safe.
Out of 1 company retrenching, there may be 100 other company hiring.

So in order to judge the overall, macro situation of economy, you take the total. yup GST is being implemented in all over world, we also heard news from gov GST is very beneficial.. based on most country implemented GST and government says it will lesser the burden, means overall GST effect is good in minimizing economy

The overall job created  >200k per month speaks all the economy situation.
The all time high stock market speaks how well the overall corporate profit is.
*
wah very long speech... i bet the same situation/speech also been used before Lehman Brother collapse hor?

Tigerr
post Jul 17 2014, 06:28 PM

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QUOTE(bearbearwong @ Jul 17 2014, 04:00 PM)
oh.. property market down is negative news.. no papers will want to post the same.. neither any sponsors want to do the same.. if property advertisement to sell of course big cover

you need read and pick carefully the papers.. actually wasting my time only.. jokers you trying to be funny... you know this all the while..
*
I not expert, I cant differentiate which paper wrote is correct or wrong.....today may be right but tomorrow could be wrong...tongue.gif
Mathew86
post Jul 17 2014, 09:12 PM

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QUOTE(bearbearwong @ Jul 17 2014, 04:10 PM)
only most investors.. but not all

just i kepo ci.. rentals cannot cover installments right? or your type IS GRR?
*
Not all GRR type can cover 100%. I survey , I book , I buy , I rent. DIY , sometimes u can't just look paper only.

Well , now I send u 2 paper. Take a look , got my name on it to PREVENTING people say I steal photo. Hahaha


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bearbearwong
post Jul 17 2014, 09:15 PM

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QUOTE(Mathew86 @ Jul 17 2014, 09:12 PM)
Not all GRR type can cover 100%. I survey , I book , I buy , I rent.  DIY , sometimes u can't just look paper only.

Well , now I send u 2 paper. Take a look , got my name on it to PREVENTING people say I steal photo. Hahaha
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meaning what? loan amount is 1,600 and the 1800 should be rentals lor? correct ah? like this untung leh.. project mana oh..
Showtime747
post Jul 17 2014, 09:42 PM

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QUOTE(bearbearwong @ Jul 17 2014, 09:15 PM)
meaning what? loan amount is 1,600 and the 1800 should be rentals lor? correct ah? like this untung leh.. project mana oh..
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Buy 3-4 year ago, any project cashflow positive now. You ask too late liao.
cherroy
post Jul 17 2014, 10:15 PM

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QUOTE(cherroy @ Jul 17 2014, 04:15 PM)
Nokia is losing market share and not as dominant as last time.
PC maker market has been "eroded" by tablet.
this source is from MBA cherroy?

Even overall economy situation is good, there are job cut as well, due to
individual company/sector is not doing well
restructuring of the company
etc reason.
like this no economic is bad.. better read up on "Overdose in US"
Now you hear the job cut a few thousand staff, ten of thousand staff, but when the corporate hiring back time, they do not announce big. why dont they announced? very shameful to take more man power?
So we can't always conclude just there is news of job cut by MNC, then economy must be in doom and gloom. are we going to conclude that economy is good then?

So in order to judge the overall, macro situation of economy, you take the total. yup GST is being implemented in all over world, we also heard news from gov GST is very beneficial.. based on most country implemented GST and government says it will lesser the burden, means overall GST effect is good in minimizing economy

The overall job created  >200k per month speaks all the economy situation.
The all time high stock market speaks how well the overall corporate profit is.
*
I have nothing to say, if one still needs source to know Nokia is losing market share and PC market is eroded by smartphone and tablet.

The job number >200k job created, already speaks all.
The stock market, DJ, S&P at all time high, as well as Dax, already tell us the story how the economy situation.
So don't need long winded typing.

The end for this chapter.
zuiko407
post Jul 17 2014, 10:25 PM

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QUOTE(bearbearwong @ Jul 17 2014, 06:20 PM)
wah very long speech... i bet the same situation/speech also been used before Lehman Brother collapse hor?
*
Bear bear! With this kind of mind set, this one will die, that one will not survive! That's why u missed to get the ascotte boulevard as u mentioned yesterday.
You're totally not ready to buy n intentionally keep waiting.
bearbearwong
post Jul 17 2014, 10:30 PM

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QUOTE(zuiko407 @ Jul 17 2014, 10:25 PM)
Bear bear! With this kind of mind set, this one will die, that one will not survive! That's why u missed to get the ascotte boulevard as u mentioned yesterday.
You're totally not ready to buy n intentionally keep waiting.
*
adui peac peace calm down calm down...
Jliew168
post Jul 17 2014, 11:13 PM

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Bear bear why not apply prima 1 home? I think some location not bad le
Facility wise also ok I think better than semenyih condo la
bearbearwong
post Jul 17 2014, 11:17 PM

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QUOTE(Jliew168 @ Jul 17 2014, 11:13 PM)
Bear bear why not apply prima 1 home? I think some location not bad le
Facility wise also ok I think better than semenyih condo la
*
bro mana layak... prima 1.. middle class.. oh

honestly, now at this injury time, what is the best investment plans? besides FD's?
Jliew168
post Jul 17 2014, 11:23 PM

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Prima not for middle class meh?

I see the future project location damm ok what..not low cost leh

Both u and ur gf apply,chances higher. For own stay is think ok what..

http://www.pr1ma.my/pr1ma_homes.php?lang=bm



If your salary above rm7500 ask ur boss adjust a bit so that u eligible la

The brickfield 1 very nice


kh8668
post Jul 17 2014, 11:24 PM

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QUOTE(bearbearwong @ Jul 17 2014, 11:17 PM)
bro mana layak... prima 1.. middle class.. oh

honestly, now at this injury time, what is the best investment plans? besides FD's?
*
Still property tongue.gif
kh8668
post Jul 17 2014, 11:25 PM

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QUOTE(Jliew168 @ Jul 17 2014, 11:23 PM)
Prima not for middle class meh?

I see the future project location damm ok what..not low cost leh

Both u and ur gf apply,chances higher. For own stay is think ok what..

http://www.pr1ma.my/pr1ma_homes.php?lang=bm
If your salary above rm7500 ask ur boss adjust a bit so that u eligible la

The brickfield 1 very nice
*
Prima has different levels. tongue.gif
den
post Jul 17 2014, 11:26 PM

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These PR1MA houses don't know "Akan Datang" until when ler..

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