How Tze 浩知

一般人都認為我國物價飆升得太厲害。短短這一兩年來，巴生谷區域的新建排屋，摸下手都說要半個百萬以上。一般人認為，以一般大馬人不起反降的入息相比（還記得1995年本地大學畢業生入工起薪3500令吉還嫌三嫌四，現在本地大學畢業生入工起薪2500令吉嫌低，人人都說你太挑剔。）簡直是太不靠譜了。 另一個事實是，現在的屋價，有人覺得貴，有人覺得便宜。 畢竟我們是一個馬來西亞，很多個現實。對一個現實裡的人，屋價很靠譜，對另一些現實裡的人，屋價很離譜。其他現實的人就不好說了。 對大馬裸民來說，現在的屋價貴嗎？如果他們留在大馬發展，正正當當地幹，要在巴生谷這地區買間像樣的屋子，難啊難。 不過，現在是地球村年代。大馬人只要有料肯干，可尋找能夠發揮本身才幹的地方，新港台日中國、歐澳美甚至倫敦。等你在這些地方找到錢，就會和發展商一樣覺得，大馬的房屋太便宜了。便宜到，你不想要！ 大馬裸民，到世界去拼吧！大馬的屋價，便宜！ http://www.chinapress.com.my/content_new.asp?dt=2011-03-17&sec=forum&art=0317fc06.txt

Jan 4, 2011 - KUALA LUMPUR: Main-board listed Hua Yang Bhd is selling 73 retail units in its flagship commercial property, One South, Sungai Besi, to South Crest Synergy for RM105mil. http://biz.thestar.com.my/news/story.asp?sec=business&file=/2011/1/4/business/7730183 Jan 8, 2011 - Sinchew ads

Synopsis The Magic of Property Investment A shocking truth about property investment in Asia is that more than 60% still stay in rented properties! Put bluntly, the majority are simply not aware of the huge potential of investing in properties, be it as simple as having a roof over our heads; or a comfortable home to improve the quality of our lives, to using real estate as our ticket to a prosperous retirement or as ambitious as using it as an investment vehicle to rake in the millions! This book shows you why investing in property is not only wise and satisfying but reassuring. Life is sometimes like viewing a kaleidoscope, at different angles, it reorganizes and presents different patterns. At different stages of your life, you could suddenly discover what not possible then, to be possible now. 关于房地产

通货膨胀将产生两大重要后果，一是货币购买力下降，二是财富重新分配。 而通货膨胀造成的财富重新分配不是那么直观的。 形象地说，银行在部分储备金之下“无中生有”地创造支票货币就相当于在印假钞票。 离假钞票越近的人就越占便宜，越远越晚的就越倒霉。 在现代银行制度下 ，房地产业离银行比较近，因此它就占了不小的便宜。而靠养老金生活和老老实实储蓄的人就是最大的输家。 因此，通货膨胀的过程就是社会财富发生转移的过程。在这个过程中，那些远离银行系统的家庭的财富遭到了损失。 怎么说呢？ 当买房人在银行签订借款合同时，银行将这个“债务借条”作为资产放在了它的资产负债表的资产项下，同时创造出同等数量的负债（注意：银行的这个负债在经济意义上等同于货币）。 换句话说， 银行在发放债务的同时，创造了货币 ，由于部分储备金制度允许银行系统创造出原本部存在的钱，所以这笔几十万的刚刚被银行“无中生有地创造出来”的新钱，立刻被划到了房地产公司的帐上。 房地产公司就是第一个拿到“假钱”的人，这就是为什么房地产公司财富累积速度惊人的原因。 当房地产公司开始花这笔“假钱”时，全社会的整体物价上涨压力会在“假钱”换手过程中呈波浪式扩散。 由于这种传导机制极为复杂，社会商品的供求变化又增加了多维变量空间，社会的货币心理反应还存在着相当程度的滞后效应，这些因素叠加在一起，就难怪凯恩斯会认为通货膨胀的真正源头“ 一百万人之中也不见得能有一人发现 ”。 从本质上看，银行系统由于部分储备金的放大作用，能以数倍的能力放大债务货币发行量。 这种货币增发从根本上说必然大大超越实际经济增长的速度，这就是流动性过剩的真正根源。 这种银行货币的本质是银行出具的“收据”。在金本位时，这个“收据”对应着银行的黄金资产，而 在纯粹的债务货币体系中，它只是对应着另外某人欠银行的等值债务 。 MBS (Mortgage Backed Securities) 从根本上说大大提高了银行系统发行支票货币的效率，同时也就必然造就严重的货币供应过剩问题， 这些过剩的货币如果不是涌进拥挤不堪的股市，就会继续吹大房地产的价格泡沫，更糟的是“泄漏”到物质生产和商品消费的领域中，造成怨声载道的物价上涨。 相关 Related: 货币：经济世界的度量衡 http://howtze.blogspot.com/2009/09/blog-post_06.html

IOI Properties - Puchong New Shophouses, Bandar Puteri, not facing main road.

钱只有在流通中才会产生价值；失去了流通，不仅不能增值，反而还失去了其存在的价值。 你了解货币的价值，知道通货膨胀是什么吗？ 银行存款何错之有呢？ 其错在于投资报酬率太低了，不适宜作为长期投资工具。 假设一个人每年存 1.4 万元，而他将这些钱全部存入银行，享受平均 5% 的利率，40 年后他可以累积 1.4 万元 X （1+5%） X 40 = 169 万元。 与投资报酬率为 20% 的项目如股票、房地产等相比，40 年后他可以累积 1.4 万元 X （1+20%） X 40 = 1。0281 亿元。两者收益相差 70 倍之多！ 所以，银行不是你靠存款生财的地方，把钱存进银行是一种浪费。 通货膨胀的意思是 ：物品和生产要素的价格普遍上升，货币被贬值了。它有利于债务人和获取利润的人，而不利于债权人和领取固定收入的人。 随着社会的发展，通货膨胀是不可能消除的，政府只能想办法把它控制在一定的范围内。 在通货膨胀为 5% 的年份里，名义利率为 5% 的定期存款，实质报酬率等于 0 。 你要想的是银行为什么愿意替你保存钱，而且还愿意付你利息？ 它是傻瓜、慈善机构吗？ 它给你的利息从哪里来？弄清楚这一点后，你就知道你跟银行之间的交易是赔了还是赚了。 银行从穷人那里广泛吸纳赚钱的种子 银行本质上是一个中介机构。它靠什么来赚钱？靠把钱贷出去收取利息来赚钱。 那么银行的钱又从哪里来呢？ 当然不可能是从天上掉下来，而是从无数的穷人那里吸纳过来的。 一个穷人可能只存 1000 块，但抵不过存款人数目多呀! 1000 个穷人就是 100 万块， 1 万个穷人就是 1000 万块！ 穷人何止 1 万个？千千万万有的是。 于是银行不愁没有钱贷出去。 当然，它贷出去收的利息会比付给穷人的利息（作为使用穷人“钱种”的代价）高一些，这中间的差价就落到了自己的腰包里。 穷人干嘛要把自己的钱往银行里送？ 因为穷人图保险，有点钱存在银行心里更踏实，攒够了可以买个“大件”（比如一套房子、子女的留学费用等等）或者提防意外的大灾祸（失业、大病等）。因此，即使银行利率再低，低到只要不是负数，穷人还是乐意把钱往银行里送。 银行吸纳“钱种”，就可以把它贷出去，坐吃利息。 富人借到“钱种”，栽种自己的摇钱树

In this wealth creation process, not a square foot of land is created, but it makes a big difference in transferring latent state land to a large number of “squatters”. This is the model advocated by Peruvian economist Hernando de Soto who has advised many governments. His line of reasoning was that the poor who “squat” on state land in Third World countries had houses to live in or farms to work on, but did not own them – land titles would enable them to sell the property or use them as collateral for bank loans. Such a programme would unlock the values of squatters' land, which to de Soto's estimate, total more than US$9 trillion worldwide. This creation of capital for “squatters” is of crucial consequence in a capitalist system. It would also narrow the disparity in income and assets between poor “squatters” and those in the towns and suburbs, an important endeavour in any economic policy. De Soto's model is applicable, of course, only where state land, and not privately...

Judged by a panel of real estate professionals and experts of the FIABCI International fellowship, Prix d'Exellence goes beyond aesthetics,functionality and size, it is awarded to those that embody excellence in its creation of the finest in real estate. 1Utama Shopping Centre (expansion) Retail Category Your achievement shows that Malaysian property is a world-beater. Does this serve as a testament to the overall quality of Property Malaysia or are you just a rare gem in the country? In a globalised and ICT (Information and Communication Technology) world, we need to be nimble and adapt and adopt world-class standards to be able to capitalise on the opportunity globalisation may offer and we are proud that Malaysia has been constantly achieving and developing iconic and world-class properties which are in lin with global expectations of international businesses and investors.~ Dato Teo Chiang Kok 1Utama - Over 400 retail, F&B, entertainment outlets located in Bandar Utama, Da...

DEMOGRAPHICS (Population Growth as indication of Economic Activity) : The Rise Of Mega Cities… Urbanization and rural to urban migration are strong global trends that cannot be stopped. Economies of scale are obtained when people group closely to each other for specialization and division of labour. According to a study by Munich RE, 10 of the largest and successful Megacities generate 20% of the world’s GDP. (see download in FREE CD) Tokyo accounts for 28% of the Japanese population, but 40% of the country’s GDP. Paris is home to 16% of the French population, but is responsible for 30% of its GDP. Source: Ho Chin Soon

Do you want to work & wake up anytime you want ? Do you want to create "passive" income streams ? Do you want to create surplus money to invest ? Do you want to quit your job ? 3. Do you want to create surplus money to invest ? Many people know that the recession is going to come very soon.People are going to sell off their 3rd properties, 2nd properties etc.Do you want to create surplus money to invest when that time comes ? (Above material is for reference purpose only) A surfer don't go into the water when the wave comes. He was there in the water before the wave comes.

Formula in property investment: Buy BELOW market value REVALUE your asset Finance at market value Pocket the different Collect monthly rental which is higher than loan repayment Deadly Anti-Wealth Mindset - Buy ONLY when I have the money Try to look for alternative sources ! EPF/liquify shares Home VS Investment – HOME IS A LIABILITY - I want to DEBT-FREE DEBT-FREE is GOOD, but it should be FINAL GOALS. Current focus should be on ACCUMULATING WEALTH With 1:10 Ratio investing in properties, when properties appreciate, debt coming down GOOD DEBT – Buy Appreciating Asset - I have been BURNT - I have enough problems - I have no time IF YOU ARE VERY BUSY, THEN YOU ARE EITHER VERY RICH OR FOCUS ON THE WRONG THING - Should be spouse’s responsibility 5 major pitfalls Impulse buying Don’t buy with heart 30 minutes rule Driving distance to easily monitor asset Herd mentality Follow blindly, B/U danger at 500k++ for 2sty terrace Wrong gearing Hard to sleep at night Not buying below market value S...

Imagine owning a hotel room where you could stay during holidays, and collect rent the rest of the time. A condominium hotel is a strata-titled hotel unit that is sold to individual investors. This concept has already taken off in places such as the United States, Europe, Dubai and the Philippines. At Waikiki in Honolulu, 464 units at Trump International Hotel and Tower were snapped up in one day late last year. Sales topped US$700 million (SGD1.06billion), with buyers said to pay an average of US$1.5 million for each unit. This concept could work in strong tourist spots. If condominium hotels are built here, it would help speed up the provision of hotel accomodation, and be a catalyst for urban regeneration. This approach would provide developers with upfront capital, as hotels have very long gestation and payback periods. Investors would get a low price entry point into the hospitality sector. It can provide another form of property investment for retail investors. Returns would be ...