Masakan Tradisional Indonesia

Have you ever been approached by investment opportunity on a piece of land oversea ? It usually goes like this ... Land is limited, population is growing.  So investing on land is a low risk high return opportunity;  Especially on an island . . . but why oversea and how its a better investment ? more structure and well organized land & property legislation  With better laws in foreign country, one can be more assured in his land investment is being protected in terms of benefits and interest safe guards compare to your own country which may otherwise affected by cronism or corruption. steady and growing population - usually a developed nation Here the demand is being taken care of.  If the people in your country is leaving the country, then there may not be any more demand to your land in future. tax free or exemption Normally a country would love some money coming in from oversea, hence they may offer attractive tax incentive.  So investing on land ove...

The Economy-Political Quadrant may seems like telling where to keep or invest your money despite good or bad time. It indeed works very well during 20th century. Unfortunately comes to 21st century, not only has the year changed, personal finance arena has changed drastically as well. Gold has been speculated so much that it MAY no longer be the standard of money. There used to be only ' property ' in the city. Now there are satellite towns, suburbs ... agriculture lands and even dust bins ( recycle ) have become valuable estates too. While property remains the right category to invest into whenever economy is booming, but predict the right future seems like tougher than buying lottery. Government bonds used to be de-Facto action when a country is stable. But in today's world, a country is as smart as a taicon's finance. One day they are the LARGEST, the next day they are GONE. Stock market used to be the back bone of a country's economy. However, the marke...

There are 2 BIG main external factors affecting our investment decisions Economy Politic When the time is really bad (economy downturn and politically unstable), its best to park your money under something that is really stable, ie Gold . Which is by definition usable anywhere you go in anytime. When its good time, invest direct to the stock market would yield very good return. When the economy is not so good in a strong country, the government bonds or related money market would be able to yield higher return than just gold. However, the most dispute solution in good economy unstable country is investment in property . This is mainly due to easier rental and higher chance of capital gain. By simply moving money around depends on the political and economy situation, one was able to achieve more than 12% compound return for the past 20 years. That is equivalent to a 10X return. But by no mean this is easily done. Some of the concerns include; how would one know exactly when econo...

Sometimes I feel very depress when my prediction comes TRUE. For those who don't know yet, Malaysia is going through a transition where political power could potentially shared between 2 parties; instead of just one-side-say-it-all like the past 50 years. Unfortunately, the initial phase of this transition has ended in a way when our new Prime Minister has strategically resolved it. At the moment New Economy Model was presented, I immediately sensed the game err they plan to play. Because exactly the same game plan has been played in USA before. While it is true that Malaysia CAN become a developed nation by adopting those moves but it has also been proven that such finance structure is NOT sustainable. Just see what has happened in USA and what is happening in Europe. Although as if recession is over now, actual effective inflation experience the SHARPEST rise in last 2 months, as high as 25% to 50% if you visit hypermarket often. That is not the worst. What is happening n...

There are certain fundamental stuffs that you should do even before you fully understand what they are . That will at least keep you afloat at a certain stage, also often used as resting stage or jumping stone to higher level. Usually this stage is also adequate for young adult to retire early . What goes beyond however will require clear target and solid methods . Some of the easier methods shared before are ; Stock Investment : When to Buy at What Price ... Why Use EPS and PE ... Where to get these data ? ... Management, the Qualitative side Guaranteed Property Investment method One common element to do great thing is the use of Leverage . Unfortunately, a lot of people learn about leveraging before they learn the right method. As a result they simply leverage everything they had. Leverage is basically maximizing result, no matter what direction it goes . If you have a good investment system, leveraging it would result a bigger profit. Likewise, if you have a bad or no system...

Monopoly is one of the most popular board games. When Charles lost his job, he played The Landlord's Game and then created his own version of the game which later became Monopoly. Originally he was trying to include all the dynamics of property investment into the game but as time goes people find those are too complicated. Hence today's Monopoly is simplified until its a 8 years old game. Now new board games are developed everyday by adding back those left out rules - including Robert's Rich Dad. Some who followed this blog long enough may already know that Property Investment is NOT a suitable personal finance tool. Although there are ways to obtain guarantee income through property investment at personal finance level , but those who have never done it would think such method is ridiculous, impossible and paper talk only. Then when they use other approaches, they miss interpret active income as passive income . As a result they would do great at times but when t...

Very often the terms mortgage and home loan are used interchangeably . Although it might not cause big harms but understanding the difference may bring positive impact to your personal finance ie. in Property Investment. In fact, mortgage is the opposite of loan. When you need extra money, someone can lend you some and in return they gain profit when you repay them. The lender may ask for collateral like your house so that if you don't repay them, they can take possession of your house, sell it and still earn a profit by doing so. They give you a loan . If you have something valuable and you want to exchange it temporary for some money, you can prove to people how valuable your possession is and why should they give you money for it. You get your money if the lenders are satisfied their interests will be taken care of . You have just mortgaged your belongings. Loan is a lender's contract, mortgage is a borrower's contract. At one instance, it may seems the same. It...

First of all, Malaysia property is one of the cheapest in the region ... so smaller foreign property investors ( less than 10 millions) who are interested in this region may be interested in us. Our rent is also low ... so its rather easy to rent a place and start business here. So this means its rather easy to rent out your property ... especially if you explore with foreign business men. The interesting part is our rental yield is quite high at 8.86%. This is actually common in developing countries. This ... however ... will go down in years to come. This one is similar to rental yield but just shown in a reverse manner. This means you will get back your total investment rather fast in Malaysia. The cost of both buying and selling is low too. But this usually subject to other terms and conditions like different fee imposed on different sale period. In the past 5 years, Malaysia property has risen more than 14% But the whole of last year is almost stagnant. source

Famous Feng Shui sifu said that new sabah property is going to continue to be HOT for the next 20 years. As a matter of fact, he refers to both Sabah and Sarawak. Some may have already seen that properties development have been on the rise in East Malaysia for some time now especially in Kota Kinabalu, capital of Sabah. Although there have been critics that such a trend has no sustainable growth and therefore they considered it a bubble rather than a living standard up scale. However it doesn't really matter how right they may be or how noble you are, the market doesn't really care. If it continues to have more buyers than sellers then the price will continue to trend up, despite anything else i.e. no one actually utilize those properties. It shouldn't be too hard to understand the rise. First of all, Borneo is an island. Island has limited land. So 'eventually' the price of land will rise. Its been proven in Japan, Hong Kong Island, Singapore and even Aust...

Joseph Tan is one of the most truthful guys who shared his property investment experience. Most property investors would properly brag about how superb property investment is, a smaller group who are willing to admit their failures would curse on it. But believe it or not, Joseph Tan's story actually covers the majority of how a property investor in this region would experience after some time i.e. from the 2nd to 5th property. Basically he wasn't fully equipped with proper tools to start with but yet making great returns in his first 3 properties. However, the 4th one turned out to be a big lesson and he is sharing it with all. (details in Alan Tan's blog ) If disaster like this happened on the 4th or 5th property, it usually break even with previous earned profit or at worst became an expensive lesson. But for some who faced it on the 2nd or 3rd property, it usually crash their whole personal finance portfolio. Those who managed to stay alive had to start all over. ...

In an earlier article , a myth was broken where it says " getting loan will Decrease your liquidating options " so if you have the cash to buy the whole thing, you should go ahead and buy it and NOT getting a loan. Because once you get a loan, you will end up disposing your item Slower and get back Less worth - which is the opposite of liquidation. That message has disturbed a lot of old friends who have been using loan successfully in their property investment. They have been borrowing loan in their investment for more than 10-20 years and almost always successful getting back a bigger return as a result of the loans. If loan is not a good thing or not liquidating, what has happened in the past 10-20 years, they just got lucky ? Loan or any form of effective borrowing, is a leverage tool. Lets take a look at the same example used in last article; You have the option to buy an property for $100,000 and you could also get a loan where the interest is 5% for the next 10 y...