christmas funny post

lol

December 24 2013

Titan club

and the investment that i had made into this club which is located in Kuchai lama just had its opening last week. i certainly hope it wont flop because the amount is surely not small.

everyone including my friends had been praising how good the club is... and since its opening the cub is almost full pack everyday

i hope it continues and grow to a greater height

i won't label myself as a person who know how to judge a person but when it comes to investment, i seems to have an eye on it..

may it prosperous through 2014

^^

December 23 2013

KUALA LUMPUR - The ban on Developer Interest Bearing Scheme (DIBS) and the hike in real property gains tax (RPGT) rates next year is likely to result in more property auctions in 2014, said National House Buyers Association (HBA) secretary-general Chang Kim Loong.

"I will not be surprised if there will be a lot of properties for auction next year. I won't be surprised because a lot of people who bought into properties for investment, they are now caught out with RPGT and DIBS," he told SunBiz in an interview.

"So it now depends on your holding power. How long can you hold on to the property with the bank interest when the developer won't be paying installments for you anymore? By next year there should be a lot of foreclosure cases," he added.

Chang said if there is a slow down in the property market, if buyers who bought properties with DIBS are not able to service their loans and end up in foreclosure, they would not even be able to repay their debts after the property is auctioned off and banks would not be able to recover the full loan amount.

"Assuming there is a slow down in the market, do you think the bank will finance 100% of DIBS at RM600,000 for a unit that is actually priced at RM500,000 without DIBS? The banks will also not be able to recover the RM600,000 (after the property is auctioned off) because they hiked it up in such a way for interest purpose," he said.

"If the property's real price is at RM500,000 but was purchased at RM600,000, even after it is auctioned off, the buyer would not be able to clear his debt. He won't have enough to pay off the debt because the actual price is RM500,000. The valuations are off already," he added

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as predicted some time ago... 2014 is a better time to buy property than few years back and with inflation shooting up, those people that has been saving their money, 2014 prove to be the time to grab some good deals

of course we will also see many people getting into trouble as well

that's for not thinking properly and for getting into the BBB mode.. 

i have mention this to my peers, if you do not have insight or knowing what you are doing.. you are definitely heading the wrong direction.. i mean following the crowd is not a good thing, taking time and do your research is much better

Another direction that i see many people doing wrong is the forex / share investment.. the time investing into studying forex / share does not justify the return. without adequate knowledge you are just going all out crashing to the wall.. which many people include myself have tried before..

^^

december 19 2013

year in review

literally few more week before 2014 come... count by year, i'm 30 then

so lets do some reflection... the me in my 20's

of course many ups and downs... who don't

many significant thing that happen in my 20's

but as i sat in front of the laptop... i dont even feel like uttering a single word on the ups and downs

i have matured as a person throughout the decade.. who don't??

i apologize to the many people that i have hurt

how about the lesson i have learn

"be a man... grow up and be a man"

that's the lesson that i have learned

enough said

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may the coming years be better.....

december 14 2014

there is a difference between a cold and a flu

luckily i'm only be struck by a cold...

however it's the second cold in two months time... i got to slow down on work

but to think about it for a second.. i had my fair share of rest..

deep down inside i have this theory embedded in me.. we shall all strive to be as independent as possible and as hardworking as possible

we don't give up in regards of circumstances

we find a way when there's no way, we find limitation when there's no limit

it is then success await us at the end of the road

but to think about it... how many of us stop half way when find the goal is too hard to reach

some doesn't even have a clear goal

some give up when the amount of work put in gets too heavy or simply too much to handle

if we cant make a difference, we shall become a role model in someone else's life

if both cant be achieve.. u have live a moderate life

not that its any bad or worse... its just not significant

caucasian male

not that i have any problem with caucasian male but whats up with some girls getting all hype up in dating a white male?

does dating a white male makes u look any more superior?

not judging here because everybody has a different taste in guys...

however hear me out on this

fool me once, shame on you... fool me twice, shame on me

whats up with some girls keep dating the same type of guys, and when they get ditch they just whine and bitch over it... over the facebook

really?? over the facebook?? u need attention that much?? u must be some sort of very insecure lady over there

i think personality and character is more important that colour of the skin... thats a definite

but u don't have to specifically look for caucasian male because they are guaranteed of awesome personality and character

really?? that's stupid

some people are just born stupid.. i guess thats how evolution works..

stupid people got play and got dump.. they cant produce their own off spring.. the stupidity line cuts off... right over there

wake up already??

show off

there is this thing that i dont really like about young people...

they like to act like movies stars or "hot shot"

like... really?? what is your achievement to enable you to show cast your success??

even so.. does it really matter in showing off??

dec 7 2013

Had a morning breakfast with a very good friend of mine that i came to know lately

i enjoy mind stimulating talks in the morning and not myself to get lazy...

as we talked i showed him an article

http://www.malaysia-chronicle.com/index.php?option=com_k2&view=item&id=197432:umno-now-demanding-679-malay-bumi-quota&Itemid=2#axzz2mknEdRNG

it's an article stating that GLC companies should create millionaire bumi's or in short, Malaysia is in need of millionaire.. malay millionaire

many people that i have meet told me, inflation is going up by 4-7% every year

http://www.indexmundi.com/malaysia/inflation_rate_(consumer_prices).html

http://www.tradingeconomics.com/malaysia/inflation-cpi

it's actually hover around 2-3%

so literally fixed deposit which give a rate of 3.88% actually help to prevent our money from depreciate..

many however give an otherwise statement.. frankly probably they are influence by "outsider" statement without checking themselves whatever it's real or not...

however with recent hike... fix deposit might not be a good option as of lately

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we shouldn't go for the BBB mode that is being refer by many... mind you, that's buy-buy-buy

be it gold, silver, property, shares, funds or bonds

http://www.globalpropertyguide.com/Asia/malaysia

high rises yield the highest percentage with 9.0+ of staggering increase in price almost every year.. this mean there will come to a point where it stop growing..

high rises could be even at their peak or past their peak price.. thus creating some sort of bubble.. which is happening now.. look at the empty units or refer by agents worldwide as units unsold

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many approach me to invest /  do business / earn side income....etc

this shows one thing

when economy is down, MLM always grow because everyone wants to earn that additional income

when economy is good, MLM is quiet.. property boom

this literally happen every 10 years..

with this, i can conclude that society is getting desperate

with this, property or business is slowing down....

this is a good time to go in.. many promotions and goodies at a good price

*******************************

no silly, don't go for leasehold..

2013-2018 is being hail by many as the last chance to really make it as Malaysia is heading towards a build nation..

if we don't make it in this 5 years, it's going to be very very hard to make it later

********************************

few years back i came to know a couple.. both age around 33-35

i was around 25 back then...

i envy them much that being a tender age they able to afford a 800k+ house and drive a mitsubishi lancer..

that come up to a monthly debt payment of around 6,000

and i always wonder how they make it.. and i asked myself this question almost every day.. am i not hardworking enough or am i not working smart enough

fast forward 4 years to now.. and i realize.. at that age.. they could have done better

********************************

i seriously think, people are just not working hard enough...

don't judge people from appearances because a chicken hawker could have millions in his bank while a person who works in the bank don't

working smart is basically easing work burden however working smart doesn't ensure rich or success..

working hard does

which again.. i think many people is lacking now

********************************

investment

i have been saving my bullets and i think it's time to do some investment

property would be one of them

scary it looks.. but i'm ready

either you go big or you go many

why buy silly leasehold properties or condo that don't yield much

money dont come easy and should invest properly...