3 perkara penting dalam pelaburan hartanah

Copy from DSR :

Dalam pelaburan hartanah, penting untuk kita kuasai 3 perkara penting ini :-

1) Kewangan Peribadi
Bukan setakat bagaimana untuk mencari duit, tetapi bagaimana kita menguruskan duit.

2) Banking Strategy
Bagaimana untuk menggunakan fasiliti bank untuk kebaikan kita.

3) Property Strategy
Bagaimana untuk memilih strategi yang tepat, lokasi yang tepat dan pada masa yang tepat.

Selepas menguasai ketiga-tiga perkara ini, barulah anda boleh terus terbang dalam pelaburan hartanah.

10 things to look out for when buying property in Malaysia

BY MELISSA CHI

KUALA LUMPUR, May 3 — Everyone keeps saying the time to buy is now but with so many options and different factors in play, how do you make sure that you get the most bang for your buck when shopping for a piece of property?Chris Tan, property lawyer with Chur Associates.

Chris Tan, property lawyer with Chur Associates.

Malay Mail Online spoke to Knight Frank Malaysia managing director Sarkunan Subramaniam, real estate lawyer Chris Tan and senior real estate negotiator at Property Hub, Roy Teo and found out the top 10 factors to look out for when hunting for the right piece of property.

10. Landscaping

A township with well-maintained landscape in Shah Alam.

A township with well-maintained landscape in Shah Alam.

We are not just talking about the landscaping of the landed property or the compound the condominium sits on. It goes without saying that your property must be at least pleasant to look at and well kept.Knight Frank Malaysia managing director Sarkunan Subramaniam.

Knight Frank Malaysia managing director Sarkunan Subramaniam.

Sarkunan said the area or neighbourhood where the property is located has to be taken into account as well.

He said if the landscaping of the area is done right, it is a sign the local council is proactive. They will probably be on the ball when it comes to other issues as well.

9. No unplanned vacant land around

He also warned that buyers should be wary of all vacant land in the vicinity of the property, and find out if future construction will affect either road access or the view from your property. If there are no plans for the vacant land yet, he said it is best to stay away.

“Investigate, don’t be caught by surprise after you have moved in,” he said.

8. Gated or guarded community

The guardhouse of a gated community is pictured at Desa Park City, Kepong.

The guardhouse of a gated community is pictured at Desa Park City, Kepong.

Both Teo and Tan said gated communities are in demand. Very.

“It ties back to the fact that people have a fortress mentality. These days, people want to keep the riff raff out… Desa Park City is a good example,” Teo said, referring to the much sought-after enclave in Kepong.

According to Iproperty.com, some of its units (Safa) which were previously priced at RM450,000 are now going for RM1.2 million.

He said previous generations used to aspire to owning bungalows, a house in the middle of a big piece of land.

Today though, he said, those properties are much lesser in demand while he sees a rise in either condominiums or gated communities, which mostly have smaller plots of land, but with bigger build-ups.

Kuantiti vs Kualiti

Kebiasaanya orang akan bertanya “Berapa banyak hartanah dah kau ada?”

Dalam dunia kekayaan pelaburan hartanah, bukannya terletak pada kuantiti, tapi kualiti hartanah tersebut.

Jangan hanya Fikirkan Kuantiti, tetapi Titikberatkan Kualiti.​

Sebagai contoh, mempunyai satu hartanah yang bernilai RM1,000,000 lebih baik daripada memiliki 10 buah hartanah yang hanya keseluruhannya bernilai RM300,000 sahaja.

Nak manage pun senang !

So, fikir-fikirkanlah ya. 

Cara-cara membuka cover radio dashboard kereta MYVI oleh DIDIKTV.COM

KISAH BENAR - TELUR EMAS SETIAP BULAN

Beli apartment A.

Tahun 1

Monthly installment Apartment A - RM1,200. 

Sewakan pada RM1,700. 

Duit gaji direct bayar installment. Duit sewa buat saving. 

Cukup setahun dah boleh kumpul RM20,400.

Tahun 2

Modal terkumpul RM20,400. 

Target beli apartment B. Target harga RM160k. 

Alhamdulillah dapat below market. Boleh markup loan. Dapat balik modal RM20,400.

Sewa apartment B cukup-cukup boleh bayar installment. Tapi possibility untuk appreciation lebih tinggi. 

Apartment A - Naikkan sewa RM1,800. 

Cukup setahun dapat kumpul RM21,600.

Total saving selepas setahun = RM42,000.

I dreaming of building a new PC

After a while entering into my new house, I have done my setup for LCD in the living hall. We already subscribe Astro and Screamyx. Thus, we have a satellite TV and broadband 24, 7. I glad that I can just simply plug in my HDD and play directly full HD movies at my TV. However, I don't have yet any Blue Ray player.

That is where the idea of building a new PC came across my mind. Rather than spending RM1200 for a blue ray player, I suggest you guys out there make a new PC where you could have more than just a blue ray function for a cost of below RM1000! Is it sounds interesting? I tell you how.

These are the components that you need in order to build a new PC. From now onwards, I will use the term HTPC. Why? Because this PC will serve you mainly for viewing movies, surfing and check emails. Other than that, let say for playing high end games, you need a high performance graphic cards which is totally not in my objective. It comes with a high cost too!

The HTPC which I have plan will have components such as:-

• Processor  - Intel Core i3 LG1155                  -RM353
• Mobo        - Asus P8H61-M EVO                 -RM300
• RAM         - Kingston DDR3 1333MHz  4G  - RM65
• HD            - Western Digital 500G                  - RM250
• BDROM   - LiteOn Blue Ray 4x ROM           - RM199
• Casing       - Silverstone LC19                         -RM600/+

My Wife: Midnight Leg cramps

My wife now has entered her 4th month prenancy. Her 2nd trimester. I can see that her morning sickness is reduced. However another problem persist: leg cramping. Every morning 2-3 am she will woke me up complaining that her leg is cramp. I, without any prior notice or knowledge will immediately scratch her leg just like we saw people did when they cramp at football field. This quite worries me however many saying its normal for a pregnant women to experience this during their second trimester of pregnancy.

The next morning I googled 'Pregnant Leg Cramp' and found information which could be nice to share with you all out there. Here's what I've found:-

Why am I having leg cramps during pregnancy?

No one really knows why pregnant women get more leg cramps. It's possible that your leg muscles are tired from carrying around all of your extra weight. Or they may be aggravated by the pressure your expanding uterus puts on the blood vessels that return blood from your legs to your heart and the nerves that lead from your trunk to your legs. Leg cramps may start to plague you during your second trimester and may get worse as your pregnancy progresses and your belly gets bigger. While these cramps can occur during the day, you'll probably notice them most at night, when they can interfere with your ability to get a good night's sleep.

Pregnancy & Sex - For Mom

Mula mendidik sejak dari mengandung

Ada satu soalan menarik, “Bilakah sepatutnya kita mula mendidik anak? adakah selepas 5-6 tahun? atau 2 tahun? atau ketika mengandung lagi?”

huhu… teringat kata-kata suami saya waktu mula-mula mengandung dulu, “mendidik anak ni langkah paling penting adalah ketika memilih ibu kepada anak kita, dan abang dah pilih ibu yang sangat baik…”, (masuk bakul angkat sendiri… huhu…)

Sebenarnya, anak di dalam kandungan sudah mula mendengar, berfikir, merasa dan sebagainya. Di antara perkara yang sangat mempengaruhi anak adalah emosi. Anak di dalam kandungan sangat peka terhadap emosi ibunya, jadi ketika mengandung kita perlu menjaga emosi. Kajian mendapati seorang ibu yang selalu murung ketika mengandung akan melahirkan anak yang juga tidak stabil emosinya, berbanding bayi yang dilahirkan oleh ibu yang selalu ceria ketika mengandung.

Katy perry - Last Friday Night(T.G.I.F) with lyrics in HD

Selamat Hari Raya Aidilfitri

10 Ways To Trim Cost @ The Home Front

First came the infamous 40% petrol hike. Then came the hike in our utility bills & staple food stuffs. In view of challenging times ahead, let’s look at 10 creative ways to reduce our household bills:

	Clue #1: Save on Electric Bills – Use electrical appliances wisely. Turn off the power of your appliances if you're not using it & unplug whatever that is not in use as this helps to save money.
	Clue #2: Buy in Bulk – Survey prices of goods before you buy them. List them down neatly in a table format; compare prices of goods to sniff out those who offer the best price in town & purchase specific items from the chosen location. Plan your grocery shopping well so that you don't have to waste precious fuel to run back to the same store twice just because you'd forgotten an item or two.

Understand The Importance of Savings

Life has evolved into a constant battle of survival. So, how do we strike a balance between work and life but yet have the means to face tomorrow?

Saving up way ahead for that survival will help to determine how well we cope with the surge of challenges that may come our way. We’d never know what will happen tomorrow, so it’s really important that we plan ahead and get ourselves prepared the best we can to weather the “unexpected” in life.

Here are some tips on what you can do to help you gear up for what lies ahead:

	Back to Basics – Plan how much you need to save each month, Calculate how much you’ll need to retire, Action: execute your plans & Reassess progress of your plan along with your financial goals every year.
	Employer Provident Fund (EPF) – It would be good if you can get your hands on your latest EPF statement. This can be a very useful tool when assisting you in your financial planning; especially in setting your financial goals and form a great platform for your annual evaluation.

Budgeting Basics

The good news is: budgeting is no rocket science. Here are 6 quickie tips to help you budget and plan your way to financial freedom: 

	Track Your Expenses – Keep a detailed recording of everything you spent on. By the end of the month, total up the various categories of spending. You’ll be amazed how much you actually spent on the unnecessary items.
	Overestimate Expenses – Always overestimate rather than underestimate so that you don’t get caught off guard. This is especially true when budgeting for planned expenses.

Back To Basics - Platform For A Sound Financial Planning

Most of us find financial planning daunting and often too complicated to do. But the truth is, it’s logically simple to construct. All you need is some simple tips and not forgetting: start young and start it right!

To help you get started on building the foundation, here are some simple questions for you to ponder:

Sabah Trip

Few of our pictures during Honeymoon Trip in Sabah :-)

Hello World

It has been such a long time i haven't blog.