You have the experience and you have a point there. No matter what, we have to be prepared for the worst. But right now we are talking about prices which is way beyong affordability. It is different as maybe when you bough properties, prices we were talking would be around Rm100k to 300k. Now we are looking at around Rm600 to >RM1 Mill in prices. Could you imagine if one were to be so highly in debt for example, servicing a Rm1Mil Loan and that someone were to loose his source of income? Its not that the Rm1 Mil loan would be so easily servicable. Nowadays, our salaries are of the same amount 10 years back. But properties prices has increased ten folds. So would it be advisable to just buy what you need and definately buy within your means so that even if the economy goes down, you could still afford to service your loan and not become a bankrupt.

The main question again is, is it the right time or not to buy now. Times now are properties prices at at the peak (at the moment), Economy hsas slowed down tremendously, Government and leaders has no apparent idea what they could be doing to improve our countries' economy and the worse part is banks are getting very stringent on their loans with the high NPLs.

if someone not being promoted for 3-4 levels up from day 1 he/she joint the company for 10 yrs, then somthing wrong alrdy. Better move out to find  greener grass... ideally one shld chg job every 4-5 yrr for career dev.

If the Bomoh cannot even find MH370, U think he can predict when market crash ?

If he is so powerful, why didn't he find MH370 and collect the multi-million ringgit reward ?

Bro, with ur 4k+ posts, 12 posts a day, but stil undecided after so much analysis???

At least narrow down to few options n start to focus on the pros n cons of those options ma. If u can spend less time condemning the market, u might oledi find a way with ur targets.

No worries, there is stil 14 mths b4 Q4 2015. I can go hav Kopi susu with u n gai gai. Just buzz me on tat.