low profile always

Price and Prestige

2012-01-10T08:17:00.000-08:00

When it comes to the best places to live in the Klang Valley, the high cost of the property may not be the defining factor nor the relative prestige of the neighbourhood.

It is a combination of factors that elite property buyers such as the super-rich, will consider when deciding on the best home that money can buy.

Thus, prestigious residential enclaves like Bukit Tunku - formerly Kenny Hills - may still appeal to the “New Money” class who want to be associated with upscale properties linked to the elite of yesteryear or, at least, real estate favoured by the top income-earners of the professional class or business tycoons.

But these days, the celebrated status of Bukit Tunku has been superseded by more exciting and hip residential enclaves like the Kuala Lumpur City Centre (KLCC) in Ampang and Mont’ Kiara in what is geographically, Segambut.

According to Henry Butcher Marketing Sdn Bhd chief operating officer Tang Chee Meng - whose company deals in local residential properties (condominiums, serviced apartments and landed properties) as well as overseas properties - the preferred residential locations still relate to high-priced and elite neighbourhoods, namely:

- Damansara Heights

- Bukit Tunku

- KLCC

- Ampang Hilir / U Thant

- Bangsar

- Mont’ Kiara

However, the transacted and comparative property values today, reveal a different order of ranking, as opposed to the popular notion of what are considered the top places.

Snob appeal
“Besides pricing, I would consider other factors such as quality of the residential environment, security of the neighbourhood and availability of amenities such as schools, shops, eateries and entertainment outlets as well as accessibility,” pointed out Tang, who has been in the real estate business since 1979 and specialises in marketing projects for developers.

“The areas mentioned are prestigious locations which have snob appeal,” he said.

“They are close to office locations in the Kuala Lumpur city centre and Petaling Jaya, as well as amenities such as shopping, dining and entertainment outlets and international schools. Certain places even have facilities such as golf and recreational clubs. They are popular with expatriates and can command good rental yields.”

Is it too expensive now to buy properties in areas like Bukit Tunku, Damansara Heights or even, Bangsar?

“Properties in Bukit Tunku, Damansara Heights and Bangsar are probably beyond the budget of the average Malaysian buyer but well-heeled locals are still keen on properties in these areas. They are prestigious addresses which command good rentals and enjoy strong potential for capital appreciation due to the scarcity of land for the development of new homes.

“Foreigners too, tend to buy in established locations and as such, will still consider these areas.”

However, living in an elitist neighbourhood is not without its share of negative factors. For one thing, the residents here are mainly well-connected and powerful personalities. Some would not hesitate to be litigatious should their property rights be infringed by neighbours, whether knowingly or unknowingly.

Besides the wrath of aggrieved residents to safeguard the prestige of a residential locality, the more established neighbourhoods have certain height restrictions in terms of property re-development to limit population density such as in Bukit Tunku and U Thant in Ampang. But such regulations don’t seem to exist in relatively newer areas.

Mont’ Kiara paradox
For instance, the newer residential enclaves such as Mont’ Kiara are viewed by certain property investors and agents as being over-developed in terms of building and population density. Despite that, the price level here keeps going up.

“People have been talking about an oversupply situation in Mont’ Kiara for years but new projects have continued to enjoy a good take-up rate in terms of sales. This is due to the perception that Mont’ Kiara properties enjoy good capital appreciation. And units can easily be rented out due to its popularity with the expatriate community.

“However, with recent project launches - which have large units and are priced at around the RM1,000 per square foot threshold - sales have been sluggish.

“As most Mont’ Kiara developments are high-rise condominium projects, population density is much higher than other residential areas such as Ampang, Bangsar and Bandar Utama.

“Vehicle ownership in Mont’ Kiara is also high and the area can be congested during peak hours. Occupancy and rental rates have come under some pressure due to the large number of units completed over the last few years.”

Apparently, it may take some time for the market to “digest” such units available, provided economic factors remain stable and government regulations do not affect demand adversely.

High potential areas
And for those with not-so-deep pockets, Tang the industry veteran - who has witnessed his fair share of property ups and downs in the market - picked certain upcoming and promising residential areas as having high potential for property investment.

The “good” areas include: - Setia Ecopark which offers a great residential environment. It is easily accessible from KL or PJ via a direct link to the New Klang Valley Expressway (NKVE)

- The residential belt of Bandar Utama-Mutiara Damansara-Desa Parkcity. It is close to shopping outlets and other urban amenities and enjoy fast capital appreciation

Kemensah Heights which is also easily accessibile via the Kuala Lumpur Middle Ring Road II (MRR2), Ampang Kuala Lumpur Elevated Highway (AKLEH) and the Duta-Ulu Kelang Expressway (DUKE). The development site is surrounded by a forest reserve and is close to shopping centres and other amenities.

Similar positive factors also apply to other established residential developments in Tropicana in Petaling Jaya, Sierramas in Sungai Buloh and Country Heights in Kajang.

Investment strategy

“For wealthy buyers seeking a property for their own occupation, the most important consideration will be to choose a property which best meets their requirements and budget,’ advised Tang.

“Since they have the money, they will have plenty of choices and they should carefully consider their own special needs and criteria when selecting a property.

“Buying into an established and prestigious location cannot go wrong as prices will hold better during a downturn and recover faster.

“For those who are investors, property is a long term investment and for someone who takes that view and is prepared to hold, he does not need to worry too much about the ups and downs of the property cycle as the property market will certainly pick up after every downturn.

“Property value in good locations will usually recover faster when the market picks up again. One can never predict when the property market will hit the very bottom or touch the peak.

“So, the strategy is to go in when the market has started to move up and sell when the price has gone up to a level which will give the investor an attractive gain. Never regret having made less if the prices go up higher as the market could have turned the other way.”

Love this pic

2012-01-09T09:37:00.000-08:00

109 really a big day for him !

2011-12-08T09:44:00.000-08:00

Bring it on !

2011-12-08T09:30:00.000-08:00

Go ahead with one shot or maintain current steps?

Yes !

I will one Shot !

Bring it on !

MF !

Wow !!!

2011-12-07T06:21:00.000-08:00

摄影师 Sergey Larenkov作品：《二战老照片的回忆》，同一个地点，不同的时间，通过新旧照片的合成，更能引起对那段历史的回忆和感触。

30歲前你應完成的事

2011-12-03T08:48:00.000-08:00

1，事業永遠第一

雖然金錢不是萬能的，但沒有錢是萬萬不能的，雖然這句話很俗，但絕對有道理，所以30歲之前，請把你大部份精力放在你的事業上。

2，別把錢看得太重

不要抱怨自己現在工資低，銀行存款4位數以下，看不到前途，現在要做的就是努力學習，即使你文憑再高，怎麼把理論運用到實踐還是需要一個很長的鍛煉過程，社會永遠是一所最博大的大學，它讓你學到的知識遠比你在學校學到的重要得多，所以同樣，你也別太介意學歷低。30歲之前靠自己能力買車買房的人還是極少。

3，學會體諒父母

別嫌他們嘮叨，等你為人父了你就知道可憐天下父母心，在他們眼裡你還是個孩子，但他們真的老了，現在得你哄他們開心了，也許只要你的一個電話，一點小禮物，就可以讓他們安心，很容易做到。

4，交上好朋友

朋友對你一生都影響重大，不要去結識太多酒肉朋友，至少得有一個能在關鍵時刻幫助你的朋友，如果遇到這麼一個人，就好好把握，日後必定有用，不管他現在是富還是窮。

5，別太相信愛情

心中要有愛，但請別說也別相信那些瓊瑤阿姨小說裡面的山盟海誓，世上本無永恆，重要的是責任，但你要做的就是該出手時就出手，該放手時別猶豫。30歲之前的愛情不是假的，但只是大多數人都沒有能真正把握好的能力，所以學會量力而行。

6，別擔心至今還保留初吻

愛情不在多而在精，別以為自己20多歲還沒碰過女孩子就害怕自己永遠找不到另一半。以後你會有很多機會認識朋友，不要急就章，學會品味寂寞。

7，不要沉迷於任何東西

所謂玩物而喪志，網絡遊戲是你在出校門之前玩的，你現在沒有多餘的時間和精力花費到這上面，否則你透支的東西以後都得償還。一個人要有興趣，愛好，但請分清楚輕重。

8，年輕沒有失敗

不要遇到挫折就灰心，年輕人要時刻保持積極向上的態度。失敗了，重來過；失去了，再爭取別的。錯過了，要分析，下次來，要把握;幼稚了，下次，成熟點。不要緊，會好的，哪怕到了極點，也不要放棄，相信一定可以挺過去。不要消極，會好的。

9，不要輕易崇拜或者鄙視一個人

人都有偶像，但請擁有你自己的個性.不要刻意去模仿一個人，因為你就是你，是唯一的，獨一無二的，要有自信。也不要全盤否定一個人，每個人是有價值的，如果你不能理解他，也請學會接受。

10，要有責任心

不管你曾經怎樣，但請從現在開始做一個正直的人.要有責任心，無論是工作還是生活上，一個有責任心的人才能讓別人有安全感，才能讓別人覺得你是一個值得信賴的人。

11，外貌並不重要

不要為自己的長相身高而過分擔心，一個心地善良，為人正直遠比那些空有英俊相貌，挺拔身材但內心齷齪的男人要帥得多.如果有人以貌取人，請不要太在意，因為你不用去為一個低級趣味的人而難過。

12，學會保護身體

不要以為現在抽煙喝酒，熬夜通宵也沒甚麼事.那是因為你的身體正處於你一生的黃金時段.30歲以後你就能明白力不從心這個詞的意義了，身體是革命的本錢，沒有好的身體甚麼也做不了，所以要儘量讓自己過有規律的健康生活。

13，別覺得一事無成

你現在還沒有資格談成功，當然如果你有千萬資產的除外。一開始太固定的職業並不一定是好事，或許在不斷的改行當中，你會學到更豐富的知識，而且可以挖掘出自己的潛能，找到最適合你的工作。

14，請認真工作

即使你現在的工作再怎麼無聊再怎麼低級，也請你認真去對待，要知道任何成功人士都是從最小的事做起，或許你現在學不到多麼了不起的知識，但起碼你要學會良好的工作態度和工作方法，這對以後很重要。

15，請認真對待感情

不要羨慕那些換女人像換鞋一樣的花花公子，逢場作戲的愛情只是讓你浪費時間浪費精力，一個人最痛苦的不是找不到愛人，而是心中沒有了愛，當你把我愛你3個字變成你最容易說的一句話時，那麼你在愛情的世界裡已經很難找到真正的幸福了。

16.請留一點童心
在內心深處，哪怕只是一個很小的角落裡，請保持一份童心，不是幼稚，但有的時候單純一點會讓你很快樂。所以不要太計較得失，生活本無完美。

大馬房產路在何方

2011-12-01T09:15:00.000-08:00

與區域市場相比，大馬的產業價格相對廉宜，但外資卻缺乏購興，問題症結究竟出在哪兒？是己不如人，還是宣傳不力？

而隨最近產業市場走跌，再加上受外圍動盪格局影響，接下來產業走勢又會如何發展呢？是起抑或是跌？吸引力猶在嗎？應該選擇何時買進？

大馬產業機構（MPI）首席執行員古瑪塔馬林甘分享看法，細看國內產業市場的下一道分水岭，解開我們心中的疑團。

缺少宣傳
外資參與度不高

“我們處於東南亞的策略性位置，為何無法獲得外資的青睞呢？”

古瑪塔馬林甘指出，全球經濟充滿波動，特別是歐美面對債務及經濟衰退危機，令市場焦點轉向亞洲市場，而自2008年全球金融風暴發生後，亞洲市場如香港、中國及新加坡更成為投資者的目光。

“不過，如今投資者卻擔心這些市場爆發產業泡沫，加上中國潛在經濟放緩，因而轉向其他亞洲市場，包括大馬。”

他強調，大馬產業市場擁有龐大潛能，歸功於擁有足夠的透明度及基建設施，且發展商信譽品牌及營運記錄良好，但目前外資的參與度僅佔住宅市場的2%。

“在外資的眼中，大馬仍是滲透率較低的市場，落後於區域的香港、新加坡及印尼等，但我們期望未來可提高至5%。”

當務之急
樹立大馬特徵

古瑪塔馬林甘點出，外資參與度不高，主要在於沒有獲得良好的宣傳，外資對大馬的認知一知半解，為此當務之急是為大馬樹立一定的“特徵”，讓外界重新認識大馬。

“問題不在於外界的評價是正面或負面，而是完全沒有概念。如果你說你的蘋果品牌是來自澳洲，那你首選須促銷澳洲，之後才是蘋果品牌本身，因為國家品牌可以給人一種安全感。”

他補充，對於產業市場，情況也是一樣的，當外界對大馬有深入瞭解後，就對大馬產業感到眼前一亮。

“為此，大馬產業機構扮演著重要角色，到海外推廣大馬及國內的產業，不過必須沿用對的策略，不能說隨便放一些布城或依斯干達特區的照片，因為這根本無法表現大馬的身份所在。”

他透露，該機構計劃今年帶領國內著名發展商及一些機構到香港參與產業展，在那兒建立‘大馬館’，並將國內的發展商帶到當地，推廣大馬產業的魅力。

“我們花了不少錢在海外宣傳大馬的產業，但我們認為是值得的，我們需要與區域市場較勁，包括台灣、新加坡、日本及香港等。”

金融服務表現遜色

同時，古瑪塔馬林甘提到，大馬金融服務領域表現遜色，落後於新加坡及香港，失去本身的競爭優勢，也導致無法吸引金融業者前來大馬建立大本營。

“雖然資訊科技企業大量流進大馬，但僅屬次等水平，因為一流的企業選擇流進新加坡等市場，導致租金停留在現有水平，產業增值不大，這也是為何市中心的產業無法突破重圍的原因。”

“市場的一些產業本可跳升至每平方呎1千500令吉，不過卻一直無法顯著增值，仍停留在1千100至1千200令吉。”

捷運計劃開跑料吸資

他認為大馬政治局勢穩定，加上沒有受到天災如地震及海嘯影響，國內產業理應取得更高增值。若政府真的可以在明年執行經濟轉型方案中的各項工程，且捷運計劃準時開跑，相信可為大馬引進更多投資活動。

“吸引外國專才前來，營造更蓬勃的投資市場，且外國專才流入也將提昇國內辦公產業的出租率。”

他說，與其鼓勵外資置業，其實倒不如吸引外資流進，讓他們參與國內的建築活動，避免與國人爭相購買中檔產業。

“我們不會銷售100萬令吉以下產業，也不會鼓勵發展商在海外宣傳便宜的產業，而影響國內產業市場。”

周期縮減
明年房價料放緩

古瑪塔馬林甘表示，與過去相比，如今產業周期越來越短暫，過去是5年好，兩年壞；如今卻是兩年好，兩年壞。而經過過去兩年的蓬勃期後，加上受到經濟轉弱影響預，計明年產業市場將放緩，暫時“喘一口氣”。

“除了大馬，區域國家的產業市場也同樣趨軟，以中國的二線城市而言，以往新產業推介可迅速達到超過90%認購率，不過如今卻僅將近50%，可見產業市場已顯著回軟。”

不過，他深信本地發展商可應對各種低潮期，譬如在經濟造好的兩年內，發展商建造後銷售出去，並在市道轉差的另兩年則積極轉交房子給買家，準備下一輪的推介計劃。

古瑪塔馬林甘認為，無論任何時候，產業市場必定呈供過於求的現象，但必須強調的是，大城市的產業供應肯定會低於需求，如巴生河流域、檳城及新山，歸功於來自全國各地的年輕人口不斷遷入大城市，以追求更好的工作機會及生活素質。

“基本上，一個國家的首府及週邊地區應該要佔全國人口的30%，若依此計，巴生河流域的人口應達近900萬人，但目前僅有560萬人。”

他說，聰明的發展商會持續收購策略性地庫，以應付大都會的龐大需求，而發展商並不一定要在市區尋求地庫，其實任何一個據點都有其價值。以巴生河流域而言，人口分佈相當多元化，只要有一定的人口，就會在該地區建造商場。

“所以往往可以看到，城外的商場的生意甚至比市中心的商場更為出色。”

他指出，人口年輕化也對產業市場帶來激勵作用，惟發展商最重要的是為市場帶來正確的“產品”，因為現代人的居住形態已有所不同。

“剛出社會的新鮮人會先挑選較小的單位，當擁有更好的經濟條件後，以‘小屋換大屋’的方式購買另一項產業，從公寓再到有地產業。”

人生有3次換屋機會

古瑪塔馬林甘說：“我時常對年輕人說，先買你可以承擔的產業，當你擁有更大的資本後，再考慮換房子。我也認為一生人當中，應該擁有3次換房的機會，當中每隔15年。而在年邁時，兒女已長大了，則可考慮由大房換成為小房。”

他不諱言，在下滑週期購買產業或可省下5至10%資本，但卻未必能買到“稱心如意”的房子。

“房價肯定會在你購買後的5年下跌，不會在你購買的時候顯得便宜，但置業應該以長遠目標為出發點。”

他提醒，產業升值主要是因為地庫價值，而建築物本身的價值其實是會隨著時間流逝而走跌。在大馬，地段僅佔產業價值的15%，最多也不超過20%，不過在新加坡，卻高達70%，所以當地政府力阻地庫價值滑落。

“除了新加坡，香港政府也非常關注土地價值，確保每年增值5%至10%。”

成本高企
屋價難大落

古瑪塔馬林甘不認為產業價格會大幅下滑，主要是因為建築成本“有起無落”，原料價格持續處於上漲趨勢，唯一“有起有落”的是地庫價值，取決於一個國家的局勢及經濟是否穩定。

“現代人的品味已有所改變，因此建築成本也相應提高。”

針對高檔產業的走勢，他說：“很難說高檔產業的前景如何，不過可以看到的是產業計劃仍進行中，同時包括城鎮計劃及休閒領域走勢蓬勃。”

不過，他指出，之前發展商爭相湧往高檔市場，如今卻重返中檔市場，歸功於政府提供這方面的獎掖。

商業產業方面，古瑪塔馬林甘相信未來市場會更著重在擁有多媒體（MSC）及綠色指數建築（GBI）指標的產業，否則很難一較高下。

“若兩項產業的價格相同，一項擁有綠色建築地位，一項卻沒有，那當然是前者比較吃香。”

在現有政策下，一旦獲鑑定享有“綠色”地位，建築業者可豁免20%稅務，而且目前在進行承建工程的50多項大廈，也獲鑑定擁有“綠色”地位。

產業投機不嚴重

“本地產業市場的投機活動並不顯著，為何大家老是指投機活動破壞市場呢？”

古瑪塔馬林甘表示，在國內產業市場，投資者必須秉持長期性投資策略，即要經過一個週期才能取得產業增值，大約是5至7年，“我時常告訴外資，如果你要投機，請到香港或新加坡，大馬並不那麼容易投機。”

他認為政府將首兩年脫售產業的產業盈利稅（RPGT）從5%倍增至10%，是因為擔心產業市場過熱，甚至產業泡沫，不過他相信此措施對市場的影響不大，投資者為了逃過較高的RPGT，而選擇在兩年後才脫售產業。

“對於富裕人士而言，若產業轉手可捎來更高的回酬，他們也不介意支付這筆稅務。”

他補充，發展商也未必能在兩年內將所有單位在兩年內脫售出去，這裡並不像印度或中國，通常僅銷售50%，甚至高達70%，而另30%則是屬於土著保留單位。

“所以，大馬的發展商擁有更長的週期，一般上發展商的銷售只有40%，一旦達到60%，他們已可以開始展開承建計劃。”

“我知道最近一些發展商進行產業推介活動時，只賣出10%至20%單位，發展商寧願退錢給買主，擱置推介計劃及調整產業設計，直到市況轉佳。”

發展商適應力強

古瑪塔馬林甘強調，現今的發展商擁有超強適應力，改變策略，購買較小塊地庫，少過100英畝，但很少發展商會購買3至5千公頃，避免展開城鎮計劃，因為當中涉及龐大成本，且耗費很長時間才能攫取回酬。

“不要忘記，大馬的人口不多，只有2千800萬人，當中的1千700萬人已居住在屬於本身的家，另600至700萬人是在鄉村地區，僅剩下400萬至500萬年輕人口，可見市場不大。”

他說，大馬人口少，基建設備龐大，以技術面而言，其實是可以容納5千萬人口，而南部的依斯干達經濟特區佔地2萬7千英畝，但只有2萬7千人，所以面對的挑戰是如何把人口帶進該特區。

“可喜的是，目前UEM集團正積極承建及發展大型商場及樂高城（Lego Land）等，吸引人口遷入當地，雖然最終人口會提昇，但將耗上一段時間，因為現有人口不大，加上人民的生育率不高。

預算案助推動高檔產業

古瑪塔馬林甘對政府在2012年財政預算案中的多項宣佈表示讚揚，包括吉隆坡金融特區計劃有望吸引更多外資流入國內，協助推動高檔產業的發展。政府建議讓在金融特區的建築商享有70%稅務豁免。

“這是非常重要的一步，而且這也是10年前迪拜所採取得策略及營運模式，不過後來因過度發展，連沙漠地帶也開發，而陷入危機。”

他補充，這是開啟金融特區重要的步伐，為進駐大馬的企業提供稅務優惠。

同時，他也對政府為一個大馬發展機構（1MDB）提供稅務獎掖，吸引外資流入，而表示欣慰。

對於政府在預算案中宣佈將“我的第一間房屋計劃”的房價頂限從22萬令吉提高至40萬令吉的措施，古瑪塔馬林甘相信這可惠及更多低收入市民，特別是在城市地區。

“不過，為了防止不必要的投機行為，政府應該列明屋主不能在10年內轉售房子，否則須支付當中的100%賺利。”

總結：儘管大馬產業市場已稍微“退燒”，不過近期歐債危機略見曙光，整體局勢開始回穩，將有助於支撐產業價格。

國內房價雖較區域市場來得低，但未能與國人的收入成正比，因此政府也須祭出更多有效措施，以達到居者有其屋的目標。

执着追求我的理想

2011-12-01T08:48:00.000-08:00

有了理想，

才有前进的动力，

才能冲破生活中的艰难和险阻，

在暴风雨中搏击；

有了理想，

才有希望与信心去面对未知的世界，

才能在人生的旅途中，

用勤奋与智慧勾画人生绚丽多彩的风景。

理想不等于空想，

更不是一度的幻想。

所谓理想，

就是要对人生立下一个终生奋斗的目标。

要有理想并不难，

难的是始终不动摇，

用实际行动，

坚定不移得朝理想前进。

大多数人都有自己的理想，

但真正将理想付诸行动的人却不多。

许多人不是知难而退，

就是半途而废；

也有人不能持之以恒，

失败了就从此倒下去，

无法重新站起来

因此，单有理想是不行的，

还必须不怕艰辛，

不怕挫折，

不怕失败，

锲而不舍地付出实际行动才能实现理想。

追求理想，

是一个漫长而又艰辛的过程。

必须要勤奋，

执着；

须要坚强，

拼搏；

须要不断学习，

力求上进；

须要战胜自己，

超越自己！

在奋斗的过程中，

有喜，有忧、有苦、有乐。

喜乐时不可得意忘形，

忧苦时不可灰心丧志。

理想的道路曲折坎坷多于平坦，

只要站得直，走得稳，

曲折的道路也会变得畅通，

坎坷的路也会变得平坦。

因此我们必须学习坚韧，勇敢，说到做到；

学习勤奋，努力，不屈不挠；

学习历经沧桑，

乐观豁达；

学习执着追求，

无怨无悔；

学习面对逆境，

迎给而上；

学习热爱生活，

辛勤耕耘……

有理想，就要追求，最终实现理想。

有理想的人生才是丰富的人生；

有理想的人生才是充实的人生；

一生为理想执着追求，

奋斗不息的人生，

才是有意义，

有价值的人生。

而你的理想又是什么呢？！

NECROPHILIA

2011-11-28T18:20:00.001-08:00

LEARN A WORD A DAY: NECROPHILIA
A man was brought before the judge and charged with NECROPHILIA (making love to a dead person).

The judge told him, "In 20 years on the bench, I've never heard such a disgusting, immoral thing. Just give me one good reason why I shouldn't lock you up and throw away the jail keys in the toilet?"
The man replied, "I'll give you THREE good reasons:
1. It's none of your damn business;
2. She was my wife; and.....
3. I didn't KNOW she was dead, she ALWAYS acted that way!"

SO LADIES TRY TO MOVE A LITTLE DURING THE GAME.....

GUYS, IF THERE IS NOT MUCH MOVEMENT, STOP IMMEDIATELY AND CHECK IF SHE IS ALIVE.

East Coast of Malaysia

2011-11-01T09:20:00.000-07:00

This is my 1st time drive n visit to east coast of Malaysia ~

Cherating beach ~

Overall this trip is not bad la ~

312KM from KL drive all the way to reach there~

A lot of unknown or unfamiliar signed board appear in front of my view ~

Very difficult to see Chinese around ~

Even the road signed board also got Jawi translated !

But Lucikly my HTC Garmin still perform well ~

Bring me here and there ~

Everytime I went to a Hotel ~

I only want to sleep only ~

Especially the pillows and mattress is so comfort ~

走自己的路

2011-10-31T09:20:00.000-07:00

别人想什么，我们控制不了；

别人做什么，我们也强求不了。

唯一可以做的，

就是尽心尽力做好自己的事，

走自己的路，

按自己的原则，好好生活。

即使有人亏待了你，

时间也不会亏待你，

人生更加不会亏待你！

有7種人永遠也買不到房子

2011-10-25T07:42:00.001-07:00

有7種人永遠也買不到房子

沒錢就別買房，買房了就別後悔！房子不一定要買最好的，合適你的就可以！

1、永遠覺得房價還會跌的人。

這些人天天就在盼望崩盤，最好是開發商把房子都造好了再倒貼給他，在等待奇跡會發生的夢中人！

2、永遠總是慢人一拍的人。

看房的時候，這好那也好，一到關鍵時候就磨磨唧唧，當斷不斷，猶猶豫豫，總是等機會過去了再懊悔的人。

3、永遠都不相信開發商和中介的人。

這些人永遠都以自己為中心，寧可自己負天下人不能天下人負我！世界上沒有純為人民服務的開發商也沒有永遠坦誠的中介，畢竟大家都是做生意要吃飯的，關鍵是你怎麼去看怎麼去對待！

4、永遠總是看而不買的人。

這些人不是不想買，而是總想多看幾套結果一看就不可收拾，房子總是越建越好，價格卻也越升越高，好不容易看好了一套一問價格傻了，怎麼和我當初看的價格差這麼多呢？

5、永遠相信專家的話的人。

孰不知那些天天喊房價要跌的專家其實一邊在喊跌一邊卻在到處抄底，試問下中國那位專家不都是有好幾套房子？如果房價靠那些整天就知道吹牛皮的專家能跌下來，那……那你相信嗎？

6、永遠都在等待房價跌到谷底的人。

這些人就跟炒股票一樣，天天在等抄底，可是又有幾個能知道谷底在哪呢？

7、總想買套十全十美的房子。

這些人往往口袋裡都沒幾個錢，所以總想把錢用在刀刃上！實際上有見過十全十美的房子嗎？想要新街口的位置，紫金山別墅區的環境，江北的價格，想想可能嗎？結果在看了N套房子後終於覺得累了困了，明白了房子原來是不能沒有缺點的，在遇到一個黑中介或者是黑心開發商拼命地忽悠下一頭就栽進去了，最後就整天在家裡怨天怨地怨人！

18sx

2011-10-23T07:38:00.000-07:00

Doggie Style ~

2011-10-21T20:42:00.000-07:00

My LUCKY Day

2011-10-18T08:34:00.000-07:00

Guess who ?

Click here >>>

有时候

2011-10-17T09:53:00.000-07:00

有时候，希望时间为自己停下，就这样和喜欢的人地老天荒；有时候，发现身边的人都不了解自己，面对着身边的人，突然觉得说不出话；有时候，在自己脆弱的时候，想一个人躲起来，不愿别人看到自己的伤口；有时候，突然很想逃离现在的生活，想不顾一切收拾自己简单的行李去流浪。

Alone ~

2011-10-11T08:28:00.000-07:00

Relax

2011-10-02T09:29:00.000-07:00

More pics coming up ~

Shit

2011-09-29T09:58:00.000-07:00

Desktop pc keep got problem ~

Plan to buy a brand new one already !

Now is laptop turn ~

Virus attacked !

" Virus is Anti Virus itself ~ "

WTF !

Need to buy his anti virus only can remove those virus !

Dont Worry ... Be Happy !

Lol !!!

Haha

2011-09-20T09:47:00.001-07:00

结婚？

2011-09-19T09:50:00.000-07:00

人为了在一起而结婚？

还是为了结婚而结婚？

还是为了下代而结婚？

难道不结不可以的吗？

结婚季节才有此看法！

我会在什么情况而结呢?

Luck

2011-09-14T09:41:00.001-07:00

Thanks to Casino Sentosa ~

Zero Cost ~

Totally free trip to Singapore 2011 ~

【舍得】

2011-09-13T10:03:00.000-07:00

【舍得】舍得既是一种处世的哲学，也是一种做人做事的艺术。凡是大善之人都能舍，凡是大智之人都敢舍；有舍有得，不舍不得；乞丐一生过着“得”的日子，善人一世过着“舍”的生活。生活中苛求得太多，你就会背负得太重。“大舍”是有大远见的一种境界，而大舍的必然结果是“大得”

Direction

2011-09-06T10:39:00.000-07:00

Do you choose your right direction?

If you see a shadow in front of you,don't be afraid.

It's because there is sunshine upon your back.

错了并不可怕，怕的是一错再错！

Errr...Everybody's Busy

2011-09-05T11:10:00.000-07:00

How your recent life ?

Busy?

Just like the pic ...

Everybody act like 100% natural + BUSY~

omg !

2011-08-24T18:48:00.001-07:00

五亿探长雷洛传

2011-08-24T11:35:00.000-07:00

It's a quite nice movie !

Based on true story and very ganjiong to watch ~

For more info click here >>>

This is the actual person ! >>>

IOI

2011-08-16T11:32:00.000-07:00

IOI group is one of the Top 5 developer at Malaysia.

Last week went there for a visitation.

It's somewhere around Putrajaya.

The whole area is like an Empire for IOI Group.

Consist of Hotel, golf field, Condo n etc ~

Common toy

2011-08-16T11:27:00.000-07:00

Everyone can afford to buy a DSLR already ~

Due to too compete in the market ~

Camera price is just like a digital cam price ~

Plan to sell off my Nikon D 90 ~

Wanna try another brand - Canon !

陀飛輪

2011-08-16T11:26:00.000-07:00

My favor song !

Keep repeat and listen to it !

Love the lyrics !

Smile vs Laugh

2011-08-09T06:27:00.000-07:00

无论你的月收入多少，请记得分成6份。第1份，用来做生活费；第2份，用来交朋友，坚持一年，你的朋友圈就会为你产生价值了；第3份，用来感恩，每月给父母、爱人送一份礼物；第4份，用来学习，每个月买一本好书读；第5份，用来投资，培养自己的财富意识；第6份，用来储蓄，稳存保底.

年轻人奋斗牢记＂四行＂：1、自已要行。2、要有人说你行。3、说你行的人要行。4、身体要行。

3.40 a.m.

2011-07-29T12:38:00.000-07:00

"Early in the morning"

I still awake !

Damn for the drink i drink this afternoon !

Make me so awake !

Later schedules will be peak i think !

Going to Cameron with Ex CPC ~

Long time din go out to overnight with them already !

Somemore is Cameron Highlands !

Actually we had plan the trip before our grad !

Now We all GRADUATED already and we only only fulfill our so called " Planing"

Here is our schedules

3.48 a.m off to bed !

18 sx

2011-07-20T08:37:00.001-07:00

Posts

2011-07-19T18:25:00.001-07:00

Let me teach you how to post perfectly ! lol !

Decision

2011-07-18T09:39:00.001-07:00

2011-07-15T23:56:00.000-07:00

Agree !

2011-07-14T09:57:00.000-07:00

台湾卤肉饭

2011-07-12T08:32:00.000-07:00

Must EAT when you visit Taiwan !

Suddenly got a strong feeling wanna eat it !

As a result, post it up !

「华印裔不满被边缘化」敦马：选票流失原因

2011-07-07T09:21:00.000-07:00

「华印裔不满被边缘化」敦马：选票流失原因　

2011-07-01T09:26:00.001-07:00

Spot the funny part !

2011-06-17T18:06:00.000-07:00

看板上的马来文，中文原意是「温家宝阁下访马正式欢迎仪式」，但是大马官员却用 Google 翻成了「正式欢迎仪式，与他一起温家宝阁下的正式访问马来西亚」，让人一头雾水。

I'm Lovin It

2011-06-15T09:45:00.000-07:00

雪隆房產首季趨淡

2011-06-09T10:34:00.000-07:00

Obviously ~

今年首季巴生河流域的房產業市場，走勢稍微偏淡，各領域產業的交易活動減緩，特別是在1月和2月有比較多的公共假期，例如元旦、大寶森節及農曆新年，總結起來，工作日相對少了許多。

2010年第4季，各領域產業的發展已出現放緩步伐，主要是油價上揚，不過，市場仍有推出一些新的發展計劃，當中包括住宅、零售與商用產業。

在吉隆坡市場，辦公樓市場有新增供應，其週邊地區八打靈再也不例外，主要的例子包括Hampshire Place及匯豐控股的新總部，在2010年杪加入市場，為現有的5千900萬平方尺辦公空間，增添供應。

越來越多住宅區建零售廣場

此外，越來越多的住宅社區建立起零售廣場，最近幾年已成為一個日益普遍的趨勢，不少住宅城鎮，包括市郊的住宅社區，業者為提高產業的吸引力，也會設立零售商場。

市郊中心的中型購物廣場，普遍受歡迎，主要是購物者優先考慮在住家附近的商場購物，以避開交通的擁擠，即可省油又可節省時間。

2011年的首季，在巴生河流域的沙亞南、蒲種、白沙羅及加影等地，有推出不少新的產業發展計劃，售價介於26萬令吉至540萬令吉，視產業類型、格局與建築面積而定。

有地產業：低密度單位易出售

與高密度的發展計劃比較，低密度的住宅單位比較容易出售，在市中心週邊地區如加影、蒲種、巴生、蕉賴及雙溪毛糯，新推出的排屋及半獨立式房屋，普遍是市民的選擇。

分層產業：公寓普遍受歡迎

在轉手市場，一些地區的共管公寓及公寓普遍受歡迎，這可從2010年杪的交易量看出一斑。

至於住宅產業，排屋是最常交易的產業類型，接下來是共管公寓，除了接近市中心、出入方便，購屋者也追求獨一的特色，一些擁有銜接高速公路的住宅社區，普遍取得不錯的漲幅。

另外，在2011年首季，吉隆坡市區的高檔共管公寓，租金維持在原有水平，Ampang Hilir、孟沙、肯尼山莊、滿家樂及白沙羅高原的情況都是如此。

商業/辦公樓市場：租出率70%

在去年完工、位於黃金三角的A級辦公大廈，主要有Hampshire Place、環球大廈、回教銀行大廈，其中有幾層出租給主要租戶。

這些辦公樓的租金要價每平方尺介於5令吉50仙至7令吉50仙，租出率在55%至70%之間。

一些主要的城鎮如八打靈再也、安邦及蒲種，新發展計劃的推出，包括興建新的店屋，預計在2011年4月完工的新辦公大廈，以及在2012第2季與2013年。

在八打靈再也完工的商業大廈，顯示較新、設備較完善的產業大廈將加入市場。

一般來說，2011年首季沒有大宗的辦公樓交易，不過，在3月杪，Putra Place以5億1千390萬令吉出售，這是個包括零售產業大廈、辦公樓及服務公寓/酒店的計劃。

另外，在2011年首季，並沒有大型的購物商場開張，不過，有一些中型的購物大廈進行裝修，預定在今年開張。

结婚？

2011-06-04T10:32:00.000-07:00

结婚？

什么是结婚？

为什么要结婚？

到底为什么要结婚？

结婚到底是为了什么？

结婚难道是一场投注和赌注？

还是结婚是为了投资将来的回酬率？

还是是为了完成使命而勉强的把它结了就算?

我不懂我会在什么情况下而结婚？

Talk to myself

2011-06-03T10:03:00.000-07:00

When I only can get a BIG BIG FISH !?

Above market price how to make it quick ?

I'm wondering....

.......................................................................................................

When planning to achieve your goal, answer these 4 questions:

1. What is your goal?

10k per month

2. What needs to be done to achieve your goal?

Work Smart and act Fast

3. How do you plan to accomplish what needs to be done?

Focus, focus and focus

4. Having considered all this, is your goal realistic?

Yes ! Very Realistic ! It's a basic target need to be achieve !

.......................................................................................................

Half year already ~

So fast ~

I'm getting Old...

By this age, I have to fight for what I don't have !

I have to look for the correct direction as well !

I have to acheive the target that I had Set !

.......................................................................................................

It's beginning of June !

So far still left 7.6k to go !

Go Go Go !!!

go go go !!!

gooooooooooooooooooooooooooooo!!!

.......................................................................................................

Panaroma KLCC

2011-05-30T11:05:00.000-07:00

Nice Condo around KLCC area !

Luxury swimming pool ~

KC city just beside your home !

Selling price around RM 1200 - RM1500 per square foot !

The advantage of FAT

2011-05-30T09:32:00.000-07:00

Silent means Gold

2011-05-30T09:30:00.002-07:00

Agree ?!

Yes ! I agree ! Do u ? !

Miscellaneous

2011-05-22T10:49:00.000-07:00

This weekend went to watch Pirates of the Caribbean 4 ~

Overall is pretty good n funny ~

Just lack of some special visual effects ~

The scenery is beautiful inside the movies ~especially the seas n beaches ~

Watched Fast 5 again inside cinema ~

Han and Eva Mendes

Still got the "wow" feel ~
............................................................................................................

Went to Korean village where near the Ampang area ~

(无厘头 ~ Does not make sense pic ~)

Eat some Korean mees ~

Drink some Korean teas ~

Lick some Korean ice cream ~

Relaxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

............................................................................................................

Remember to filter probably ~

If not just waste each other time ~

DAMN !

I need 1 more in this month ~

Come on !

Bring it on babe !!!

交易完成時間難拿捏

2011-05-18T09:54:00.000-07:00

在轉手市場購買房屋，除了屋齡、要確保賣主沒有破產等問題，其實還有不少要注意的細節，例如，房屋所在土地是屬於永久或租賃（99年）地契，最主要的不同點是：交易的進程會受影響。

為何說交易的進程會受影響？首先，坐落在租賃契約土地的房產單位，當交易敲定後，必須先尋求有關當局的批准，儘管買賣合約已經簽署，當買方支付屋價的10%後，賣主可能只領取數千令吉或2%的訂金，視屋價的多少而定，其餘的8%交由賣方律師保管。

唯有在取得地方政府或州政府的批准後，律師才將其餘的8%釋放給賣主，3個月的有效交易期限，是從取得批准日算起；換句話說，整個交易可能需要至少6個月的時間才能完成。

當買主買了這樣的單位，一定要有心理準備，就是交易的完成不可能在3個月內辦妥。

如果房屋已經空置，加上買方可能需要住宿，雙方可以協商先租下該單位，這樣買主不需要在短短的半年內，搬了又搬。

假如買方是租著別人的房屋，他應該預算多一些時間，不應太早退屋或退房，以免銜接不上。

另外一種情況是：賣主若有領取貸款，其貸款是否已還清，這也有些影響，假如貸款尚未還清，在買方貸款獲批後，其中一部份款項先用來還清賣方的剩餘貸款，解決這部份剩餘貸款後，才能進行轉換名字手續。

業主離世
別急買

在轉手市場買屋，有些時候也會遇到另一種情況，就是房屋所屬的主人過世不久，如今其受益人準備轉賣這間房屋，當中涉及另一個手續，就是房屋的擁有權需先轉移至受益人名下才能出售。

遺產執行令
辦理時間6至18個月

如果遇到有經驗的產業經紀，他會告訴有意購買者，需要比較長的時間才能落實交易，賣方若有立遺囑，遺產執行人至少需6個月時間領取遺產執行令；假如賣方沒有立遺囑，那麼，所需的時間更長，有可能長達18個月。

假如賣主生前沒有立遺囑，最好暫時不要對這樣的產業有購買興緻，18個月的時間太長了，可能出現很多變數，最好是等賣主或其受益人，辦妥轉名手續才考慮。

價格會漲
賣主隨時喊不賣

為何說變數大？產業的價格有起有落，落差太大，最後賣主可能改變主意不賣了，選擇賠償買方；可是，如此一來，買方在這期間，可能失去許多不錯的置產機會。

當然，沒有立遺囑的賣主，多數不會這樣做，不過，在市場上，的確存在少數個案，也許經紀誤解、或是沒有弄清楚情況，以為賣主生前有立遺囑、或者以為有無遺囑沒有太大分別，一樣可以在6個月內辦妥交易手續。

許多時候，已付的訂金很難取回，在支付購屋訂金之前，一定要很謹慎，儘管說我們可以基以對方隱瞞，堅持錯在對方，但為了已付的數千令吉訂金，又要耗精神和時間，確實有些化不來。

話說回來，如果遇到賣主是一名已逝世的業主，間中需要辦理轉移產業擁有權到受益人名下的手續，除非產業價格比市場價優惠；否則，投資者應該三思，因為我們不曉得轉移的過程是否順利、會否產生枝節，例如受益人可能不只一人，突然跳出多幾名受益人，為遺產的分配無法達致協議，這些都將影響產業交易的落實。

Fast 5

2011-05-17T10:23:00.000-07:00

Wow ~ Great Movie ~

Han still the cooler 1 in the movie ~

Overall: 9/10

Plan to watch the local movie - Kongsi

Don't know nice or not ? ! haha !

年轻的我们必须懂

2011-05-16T11:19:00.000-07:00

年轻的我们必须懂得：
1、你不勇敢，没人替你坚强。
2、没有伞的孩子必须努力奔跑！
3、自己选择的路、跪着也要把它走完。
4、不要生气要争气，不要看破要突破，不要嫉妒要欣赏，不要拖延要积极，不要心动要行动
5、宁愿跑起来被拌倒无数次，也不愿规规矩矩走一辈子。就算跌倒也要豪迈的笑

關雲長 The Lost Bladesman

2011-05-12T10:50:00.000-07:00

Honestly, I quite disappointed with this movie ~

What a nonsense movie ~ Pointless ~

Just like a you watching Chinese Version Broke Back Mountain ~

Where got so so so dark face than red face hero ?!

He just lack the moon sign at his forehead then can become 包青天！

Beside this 2 are brother i think. LoL ~ ~ ~

Luckily I download it and watch !

If not really waste my money !

3/10

Watch this better

Mcd @ Taiwan

2011-05-11T10:31:00.000-07:00

Spicy Chicken Mcdelux ~

MAS Set Lunch

2011-05-11T10:20:00.000-07:00

What a delicious lunch I had in the airplane b4 ~

Don't judge a book by a cover ~

" Jeng jeng jeng " Nice right ?!

Free Ice cream as a dessert for you !

Rental Yield Formula

2011-04-25T09:13:00.000-07:00

Based on the property analysis, at least 8 % on rental yield only can consider as profitable yield.

Recall back

2011-04-21T10:33:00.000-07:00

Bring it go here n there everyday ~

During Sibu Trip~

Full House

Somewhere around KLCC

The last gathering with them b4 convo ~

BBQ plaza

My Boss

This is delicious ~

My dad's writing ~

During the GCB time ~

Q&A: Is it better to go for fixed rate or BLR-based loan?

2011-04-17T10:23:00.000-07:00

Dear Azizi Ali,

The current market seems to be positive as prices of houses are soaring high especially in the Klang Valley area. Banks too had started to readjust the loan rates. BLR began to increase. This means that the sum that we are paying now may not be the sum that we will continue to pay in the next few years. I heard that in year 1997, the loan rate is as high as 11%. I am not sure how true that is, as I was still in secondary school at that time.

My question here is, as I’m buying a house for investment purposes (for renting), my payback period will definitely be 30 years and will not shorter than that. Do you think that it is better to go for fixed rate loan or BLR-based loan?

If the monthly rental I collect, let’s say RM900 and monthly loan instalment is RM600, I will still get RM300 monthly from the house. I worry that if BLR changes, my monthly loan instalment will be higher than my rental, which means that I need to dig from my own pocket to pay the difference.

Please advice based on your experience as millionaire property investor.

Thank you.

Regards,
Kevin

Dear Kevin,

I’m not sure about the exact height the interest rate climbed to in 1997 as I was also in school at that time! (Actually, I was visiting my daughter at her school.) But yes, you are right, the interest rate climbed to double digits during that time. This increase meant that the monthly repayments of all the variable interest rate mortgages climbed up as well, which torpedoed the budget of many a borrower. A lot of them saw their monthly payments rising by 10 or 20 percent. Not surprisingly, this hefty increase led to much problems, heartaches and even arguments between couples.

Fortunately though, the situation did not last for too long as the then Prime Minister, Tun Mahathir, decided to take matters into his own hands. He fired the Finance Minister, took over the post himself and promptly reduced the interest rate back to single digits.

After that very brief history lesson, let me now get back to your question. I must say that you are a very smart young man as you are already concerned about the long-term interest rate, Kevin. (When I was your age, I was more concerned about my sports car!) No one knows what the interest rate will be in 5 years’ time, let alone thirty years. A lot of things can and will happen in that time. Some will be good; some will not be so good. The one sure thing is that things will be different in the coming decade. In fact, there will be some major upheavals that will turn everything upside down, and then some. As to what these upheavals may be, it could be hyper inflation, explosion of derivatives, collapse of paper currency or God forbid, another World War.

One of the negative effects of all the upheavals is that the interest rate could rise to double digits again. And when that happens, the same monster will reappear – the monthly repayments of all the variable interest rate mortgages will shoot up, hammering the innocent, the unwary and the greedy borrowers like a freight train. And unlike in 1997, there may not be a saviour to save the day this time. You may be on your own.

So the answer to your question is this – take a fixed interest rate mortgage. While the interest rate charged for a fixed interest rate mortgage may be slightly higher than the interest charged for a variable interest rate mortgage today, you should be paying a lower total repayment in the long run. Next, the fixed repayments mean that you can plan your cashflow better, reduce your workload and also your problems. Most important of all, you will be protected from interest rate rises throughout the period. And oh ya, it will help you sleep better at night.

Q&A: Will the property boom be a continuous trend?

2011-04-17T09:48:00.000-07:00

Read from the Star 2011, March 03

Dear Peter Yee,

1) What is your opinion on the ballooning prices of property over the last few years? Will this be a continuous trend or will the bubble ever burst in the near future?

2) I am currently looking for properties to invest in the KL / PJ region. My wife and I currently have one property which is our family home and would like to invest for our children's future due to the spiralling cost of education which is expected in the future. Would you suggest buying an existing property or a newly launched one for this investment and please also suggest areas which we could see some capital appreciation in future. Thanks for you time to answer these queries.

Kind regards,
Dinesh

Dear Dinesh,

Cyclically, Property boom and bust is certain, only the quantum and duration will differ. The momentum for the ballooning prices is still strong in the property market. This trend may carry over for the next several quarters. If there is any bubble, it will affect selected over priced and non income generating property first. Income generating property with high yield or more than twice the fixed deposit rate will be resistant from bubble as people still need a place to stay and conduct their business.

Generally, property investment not only provides rental yield but also potential capital gain if you know how to invest correctly. If you intent to invest for your children’s education, you may consider investing in ready build property as it will provide immediate rental income with more certainty. You may invest in an area near to your home or office as you have the local knowledge. Besides this it will provide ease of tenant management and maintenance. Also look at investing into yourself to advance your property investing knowledge and skills, such as reading property investment books and also the right property investment seminars before investing. This may help you prevent costly mistake in property investment and able to invest correctly each time and every time.

The one thing that people need to do is invest in areas that they are familiar with. Always start with an area closest to you, so that you know the area’s past, present and potential future developments, as well as target market, maturity and growth. You can start expanding on the area once you become a more confident investor.

Padi Field

2011-04-13T03:22:00.000-07:00

Don't worry be happy !

Sweet！

2011-04-01T06:32:00.000-07:00

Sweet Couple ~

Secret

2011-03-21T10:44:00.000-07:00

Somewhere near Dan Jiang ~ 淡江~

Jay and the crew came here for shooting b4 ~

椰林大道

2011-03-21T10:34:00.000-07:00

Listen this song since kids time !

Finally got chance walk at 椰林大道 ~

Count Down

2011-03-08T09:31:00.000-08:00

2 more days will heading to Taiwan !

This time take MAS flight going to Taiwan~

First of all, Have to understand Taiwan Parliament Culture

and the Map of Taiwan too ~

and of course must know who is the person in charge for Taiwan~

This time will go Visit this exhibition.

and Importantly I must touch Lavender with my own hand !

Because of this drama ~ I start feel curious about Lavender !

Finally ~ I hope i got chance to meet this funny + humor guy - Jacky Wu

d.n.e e.h.t

Yes ! Got 1

2011-03-01T10:03:00.000-08:00

Finally ~ Got 1 already ~

Hope got 2 coming within this month !

買房子該怎麼殺價？

2011-02-25T06:42:00.002-08:00

買房子該怎麼殺價？

購物時還價或殺價幾乎是許多人購物的定律，無論價格的高低，多數人總是習慣與商家來回議價，即使是微小數字，也能從中獲得一些殺價的樂趣。

買房子的金額高達數十萬至上百萬令吉，似乎更要用力殺價，畢竟一個回合下來少則可省1萬，多則5萬，何樂而不為，到菜市場購買青菜都希望多要一根洋蔥，購買房子怎麼可能不殺價呢？

基本上多數人都會這樣想，但是這樣的想法，是不是一個所謂的不變“定律”？

回歸到殺價的源頭，主要是因為你想購買，然後是想用比較少一點的錢買到手，達到“物超所值”的目的；所以應該要把你是不是真的很想要買下這個單位，當做前提來看待，再決定是否要殺價。

也就是說，如果是真的很想買，即便殺價不成，可能還是會買；如果沒有那麼想買，那就會殺多一點價，產生價格誘因，引發實際購買行動。

由此可見，殺價並非購買的重點，想不想買，甚至買不買得起，才是真正的關鍵。

動心起念想要到買下有關房產，又可分為兩種情況，一種是只有自己很想買，另一種是大家都很想買。如果僅是自己很想買，欲購的單位不是很熱門，那殺價的空間就會大一些。

這樣的邏輯，用買股票的行為來說明，就會更清楚。當大家搶購某一組別、行情看好的股票時，通常都要用加價才能買到手！

同樣的邏輯，套用在房地產也是如此，即使房地產的價格是百萬或更高。回歸到真正的主題，重點還是在於你想不想買，以及想買的人多或少？

如果你想購買的房地產，位於大家普遍看好的熱門地區，或是房產規劃獲得多數購屋者的認同，那麼，殺價的策略勢必無法派上用場。

凡熱門商品，大家都很想買，在這種情況下，別說是殺價，恐怕還得要加價，才能買得到。

如果是熱門房產，產業發展商商或經紀商一般不會珍惜任何購屋者，因為後面可能還有條件優厚的買主在排隊，一旦按照慣例去殺價或是猶豫，便有可能錯失購買良機。

另外，一些供應較少的地段理想的店面，一般也相當搶手，不少投資者都是帶著支票簿前往訂購，深怕一旦在價格上猶豫，很快就會被其他買家買走。

因此，在購屋或投資房地產前，要先進行市場調查和做好功課，了解該房地產的熱門指數，再來決定價格策略，才是上策；好房子是不等人的，只是一味殺價恐怕無法買到真正的好房子。

2011-02-24T09:03:00.001-08:00

山穷水尽疑无路，柳暗花明又一村。

Have a Smile !

2011-02-24T06:30:00.000-08:00

小白兔是怎麼死的？

2011-02-21T08:57:00.000-08:00

有一天

有一隻母的小白兔

走著走著

遇見一隻公的大象

很高興的對他打招呼......

小白兔說: 近來好嗎??

後來小白兔就爆掉了！

如何從投資產業起步？

2011-02-16T08:03:00.001-08:00

如何從投資產業起步？

* 專題

2011-02-06 19:28

今天我們來談投資產業的地點，從巴生河流域轉向其他外圍地區，巴生河流域產業單位密集，而且價錢也不便宜，如果價格太昂貴，投資用來賺取租金收入，嚴格來說，並不符合經濟效益。

公寓負擔較輕
然後一屋養一屋

行家說，投資分層產業如公寓，是持有更多單位的第一步，許多投資者可能沒有意識到這一點，這是因為他們可能不瞭解分層產業的概念。

一個兩房一廳的公寓單位，價格在6萬至8萬令吉之間，租金介於500至600令吉，勉強可以應付每個月的供期，本身需要補貼的可能是每月數十令吉的管理費，以及每年兩次的門牌稅支出。

投資分層產業是一個不錯的儲蓄方式，可以作為累積更多單位的工具，假設你每月只有500至600令吉的儲蓄，可以從投資分層產業起步，如果單位的價格在6萬至8萬令吉之間，每月租金在500至600令吉之間，嚴格來說，是不錯的選擇，至少租金可以補貼大部份的貸款分期。

假設你在10年內可以償還貸款分期，而房產單位的價格每年上漲5%，10年後屋價將在11萬至13萬令吉之間，從中可以看出增值的幅度。

這個時候，你可以利用這個單位，作為購買另一個較大面積單位的抵押資產，銀行可能會以這個做為考量，批准你申請較大筆的貸款。

在外圍地區一些加入產業投資領域的新秀，其實就是這樣走過來，他們發現這是個不錯的起步，除了讓他們累積投資房地產的基礎，也讓本身有限的資金免受通膨的衝擊，從投資中價公寓晉身較高檔的投資者。

如果你有能力購買有地房產作為投資工具，當然也很不錯，有地房產如單層排屋或雙層排屋，雖然租金回酬可能不會比公寓理想，但資產的增值其實相當可觀，尤其是永久地契的房產。

捷運計劃擴散效應強, 週邊房產或漲26%

2011-02-16T07:48:00.000-08:00

捷運計劃擴散效應強,週邊房產或漲26%
報導：邱佩勛

（吉隆坡16日訊）建材成本與地價一再走高，加上捷運工程帶動，我國房地產價格漲勢洶湧，尤其捷運週遭的房產價格潛在漲幅或介于16%至26%。

往返雙溪毛糯和加影的捷運路線圖日前出爐，整體捷運計劃料每年提高房產總發展值約3億令吉。

分析界看好，在捷運站附近擁有大批地庫的地主，或有金主作后盾的發展商將是大贏家！

馬銀行投銀分析員黃薇芯告訴《中國報》，為迎合捷運目標市場，捷運站附近的房產一般以高密度計劃如中價公寓為主。

“這是我國首項捷運計劃，相信將推高週遭地區的房產和土地價格。”

另一名分析員指出，根據一份學術研究報告，香港距離捷運500公尺的房產價格，比其他地區房價高出16%至26%。

“這項漲幅和我們預測的一致。因為捷運附近的房產更容易售出，行情更好。”

財力雄厚者得勢

黃氏星展維克斯證券研究分析員余美慧也說，那些在捷運站附近擁有大批地庫，且地庫可供高密度發展計劃的地主，將是最大受惠方。

“擁有強穩資產負債表，或有大財主股東作后盾的發展商，也是潛在受惠方，因為可在必要時，有能力提高發展規模。”

雙溪毛糯往返加影路線是我國第一條捷運路線，共有35個站和4個交接站，將于今年7月動工，預計2016年竣工。

除了上述藍色捷運線，第二條路線從雙溪毛糯延伸至甲洞、吉隆坡及沙登；第三條路線是中環線，從吉隆坡市中心途經商業地帶，並銜接現有輕快鐵及單軌火車站。

其他兩條路線圖的細節，料在今年3月出爐。

雙溪毛糯往返加影路線全程長達51公里，其中9.5公里（19%）為地鐵，即白沙羅市中心（士曼丹站）到蕉賴的馬魯里。

沿高速大道而行政府購地少

捷運系統附近地段與房產料將水漲船高，但由于捷運將沿著主要高速大道而建，即大部分為政府保留地，因此政府涉及的土地收購並不多。

余美慧指出，減少土地收購，意即當局在執行方面可更迅速。

再者，商業樞紐如吉隆坡城中城至武吉免登，白沙羅市中心至白沙羅高原，將各有兩個捷運站，也是一大正面發展。

我國將參考香港的地鐵模式，由政府悉數融資和擁有，再綜合房產發展籌措資本開銷和營運開銷。

她預計，當局或拉攏發展商加入聯合融資捷運站的建設成本，這可能透過固定費用或開放投標的方式進行。

Opportunities aren't seized sleeping

2011-02-13T09:01:00.000-08:00

Opportunities aren't seized sleeping

Opinions

A rise! The nap you've taken from property is over and it's time to wake up and smell the coffee.

Oh sure, you've probably got a million-and-one excuses for not wanting to and most certainly, you can hit the snooze button and roll over, hoping to find a cool spot to continue your slumber. But for how long can you lull yourself with notions that continually rising prices and the absence of fresh incentives means you can afford ignoring its call? At best, you've only got until Chinese New Year; after that, there'll be so much busyness going on you'd look a bit silly in your pyjamas while others are in their suits.

What I like to do on days I can afford to laze in bed - which isn't often - is to pick up the book I dropped the night before and continue reading. If you're like me, you might have read that the rest of the world has already woken up - not only to the prospect of property investment, but more precisely, property investment in Malaysia.

Without any compulsion, Hong Kong based property investment company IP Global recently ranked Kuala Lumpur as among the top destinations to buy property this year.

"After almost a decade of preferring London, Singapore and New York, Hong Kongers are now turning their sights on KL," it said.

Putting our capital ahead of even New York City and London - finally, KL is mentioned in the same breath as these two illustrious cities - its founder Tim Murphy pointed out that our property market is "driven by owner occupiers and domestic consumption, not pure rampant speculation like many parts of Asia".

With our stable, well-regulated market and relative affordability, he recommended that investors looking for long-term, secure opportunities should explore what's available on our shores.

Hong Kong's prices are typically five times more expensive than KL's, Murphy said, adding that over the past 12 months, prices here increased by only three per cent compared with 25 per cent in Hong Kong and 38 per cent in Singapore.

"The lack of supply of mid to luxury condominiums, however, means prices will increase over time," he said.

For IP Global's second and third picks, Murphy said NYC was chosen for its low property prices but strong growth story and robust economy wich has enabled it to rebound faster than any US city, while for London, "low interest rates and high rental yields will offer strong value over the next 12 to 18 months".

Back in KL, I think the place that is poised for a rebound is the arena centred around the KLCC, which includes Ampang.

Over the past two years, the luxe condos in this locality have taken a price hammering with the absence of foreign investors and tenants causing a 30 per cent drop in values.

However, valuer Eric Ooi of Knight Frank Ooi Zaharin and Partners said last year while announcing the Fourth Malaysian Property Summit that he expects a "return of buyer interest from Singapore, Hong Kong, Indonesia and Middle East" due partly to the higher yields attainable from highrise units in the locale compared to landed properties.

The Summit organised by the Association of Valuers, Property Managers, Estate Agents & Property Consultants in the Private Sector or PEPS will be held on Tues, Jan 18th.

Reinforcing Ooi's view of KLCC was PEPS past president James Wong, who said the implementation of the government's Economic Transformation Programme should create an influx of expatriates to KL similar to what happened when the Petronas Twin Towers was under construction.

"Come 2011, we will see whether foreign interest will be better than ... the peak in 2007/2008," Wong was quoted as saying by the media.

With the current low prices in KLCC - I know for a fact a newly completed five-star condo along leafy Kia Peng can be bought for less than RM1,000psf - but the expected return to form, this might be the first place awakening investors should examine.

Keeping eyes closed for just that bit longer could lead to missed opportunities.

By : Andrew Wong

Source : New Straits Times Property

Date Published : 17 January 2011

25

2011-02-13T08:36:00.000-08:00

I'm officially

years old.

Things I have yet to accomplish that I know most of the people my age have already:

Fiancee, or wife
House

Movie.Watched

2011-02-11T03:42:00.000-08:00

坚持

2011-02-08T02:30:00.000-08:00

Break it !!!

2011-01-21T12:52:00.000-08:00

Break my very 1st ZERO !

2011-01-17T10:03:00.001-08:00

大馬置產須知

2011-01-17T09:49:00.000-08:00

對大多數的我們而言，購買房屋是長久以來的夢想，對於還未購買房屋的人來說，那是一次讓人期待、雀躍的經驗，當然，我們需要做好多方面的準備。

購買第一間房屋的時候，的確會感到欣喜，不過，也是一件深具挑戰性的工作，你如何確定自己已做好準備？準備在日後漫長的歲月，肩負起重大的財務義務。

如果你是第一次購屋，準備舊屋換新屋、或是小屋換大屋，是一名投資者或是在大馬的海外專業人士，準備將大馬做為第二個家園，你需要探討一個適合你的房屋融資配套，選對融資配套尤其重要，這才能確保你的投資獲得可觀回酬。

以下是一些可供參考的一般性意見：

物色房屋：

開始到處逛逛，出席一些房屋展銷會，或委托房屋經紀代為物色，或參考他們提供的建議。

最重要的是，要物色一間有家感覺的房屋，你可能需要去看同一間房屋數次，如此一來，你可能察覺到之前沒有注意到的細節，或是看到房屋存在的一些瑕疵。

隱藏成本：

你的抵押貸款分期付款，不只是你將支付的惟一開銷，其他一些開銷，譬如保險、維修與定期粉飾，都是一些必要的開銷，這其實也是許多人忽略的成本隱藏。

利率：

假如利率上漲，你受影響的程度有多大？不只是考慮支付較高分期的能力，也包括你如何應付未來日子其他方面的需求，如果擔心利率大幅度波動，或者是未來有可能大幅上調，可以選擇固定利率配套。

選擇充裕現金或豐盛資產：

假如你準備使用所有或大多數的現金，以削減房貸融資，你是否準備面對“資產豐盛、現金緊縮”的窘境？問一問你自己，你是否準備接受一個讓你可以再提取額外付款、或是可再使用你已償還融資的貸款配套？

分期付款：

是否只支付利息？何時償還本金、償還的數額、攤還的期限，這些都要有一個底稿，這樣在規劃買房的過程中才比較順手。

Boosting demand for properties

2011-01-11T09:54:00.000-08:00

Boosting demand for properties

News

It was a mixed year for the Malaysian property sector in 2010.

A few things to note include the implementation of the LRT and MRT systems, the Greater KL Transformation Plans, the New Economic Model, the 10th Malaysia Plan and the Economic Transformation Plan (ETP).

The plans are to pave the way for the country to become a high-income nation, boosting demand for properties in Greater KL, Penang and Johor.

The government also announced plans to open up some of its prized landbank around Kuala Lumpur and the Klang Valley for redevelopment.

Among the government-owned prime land are the 20ha at Jalan Cochrane, some 12ha in Ampang Hilir, and smaller parcels at Jalan Stonor, in Brickfields and Bukit Ledang, off Jalan Duta.

But the crown in the jewel is the redevelopment of the Rubber Research Institute land in Sungai Buloh and the Sungai Besi land, and building of Matrade Centre and the Kuala Lumpur International Financial District (KLIFD)

OSK Research Sdn Bhd head of research Chris Eng said the LRT and MRT projects have added excitement to the market as some homebuyers have begun to speculate which housing areas would benefit from the locations of these stations.

"These projects in the short term will create excitement and attract more capital into the region, thereby potentially boosting or sustaining the values of certain properties," Eng told Business Times.

Malaysia's residential property sector is expected to register the highest sales transactions on record in 2010 of around RM50 billion (2009: RM42 billion).

MIDF senior analyst Syed Muhammed Kifni Syed Kamaruddin said this can be attributed to accommodative home-financing schemes and greater housing demand, especially from upgraders.

"Residential sales transactions are estimated to rise by some 20 per cent annually to breach the RM50 billion mark for the first time in 2010," he said.

Another notable good news is the guaranteed downpayment of 10 per cent for houses below RM220,000 for first-time buyers earning below RM3,000 a month, implying full financing of the value of a property.

Muhammed Kifni said the move will spur demand for affordable housing.

A new scheme where the Employees Provident Fund contributors can withdraw more from their Account 2 savings for their first home will help the market.

The bad news would be the cap on the loans-to-value ratio for third housing mortgages and onwards by Bank Negara Malaysia (BNM) to curb speculation.

Effective November 3 last year, house buyers who have two mortgages and apply for their third loan can only get 70 per cent financing of their house value.

Real Estate and Housing Developers' Association president Datuk Michael Yam had said this will affect the upmarket segment by 20 per cent.

BNM's Overnight Policy Rate (OPR) hike to 2.25 per cent from a record low of 2 per cent in 2010 has softened the market a little.

But Previn Singhe, founder of Zerin Properties, said broad-based landed properties and condominiums in good location will continue to move.

By : Sharen Kaur

Source : Business Times

Date Published : 06 January 2011

Property and other loans growth poised to slow down

2011-01-07T09:11:00.000-08:00

OSK Research said that loans applications dipped as applications for the business and household sectors trended lower. It added that weaker demand for construction and purchases of fixed assets other than land and buildings led to slower business applications.

“Loans applications for the household sector declined, mainly due to slowing growth in the purchase of residential property,” said OSK Research.

Loans approval growth slowed due to weaker growth in the business sector with loans approvals for the purchase of fixed assets other than land and buildings being the major drag while loans approvals for the household sector moderated, it added.

Meanwhile, ECM Libra said competition in the mortgage market had resulted in widening negative spread over the base lending rate (BLR).

“This is likely the cause for the fall in average lending rate (ALR) to 4.99% despite average BLR remaining unchanged at 6.27%. Interest margin is under pressure as the ALR-3 month fixed deposit spread has fallen to 2.25%, the lowest level in 12 years,” it added.

However, momentum in merger and acquisition activities is expected to be sustained, which would underpin non-interest income growth. CIMB Group Holdings Bhd would be the main beneficiary, said ECM Libra.

Property to remain buoyant in 2011

2011-01-06T10:38:00.000-08:00

Property to remain buoyant in 2011

News

The property market in Malaysia is expected to remain buoyant next year, seeing a moderate uptrend in prices, in line with economic growth and growing interest among foreigners.

Speakers at a press conference on the Fourth Malaysian Property Summit 2011 here today said, no property bubble is expected in the foreseeable future, due to pent up demand for certain upmarket condo launches.

The Malaysian Property Summit is scheduled to be held on Jan 18, 2011 at the Sime Darby Convention Centre in Kuala Lumpur.

More than 200 participants, including developers, property owners, investors, bankers, financial analysts, economists, and property consultants are expected to attend.

Property consultant and valuer, James Wong said, the sharp increase in prices, is only to be seen in certain landed properties in choice locations with a huge demand for it in Kuala Lumpur and Penang.

James Wong is also the managing director of VPC Alliance (Malaysia) Sdn Bhd and regional chairman of VPC Asia Pacific Limited, a regional grouping of property consultants operating in eight countries.

"With escalating prices of property, one of the challenges for the government is to boost income, and move the country towards a high income economy," he said.

"This can be achieved by providing clear guidelines under the Economic Transformation Programme (ETP), especially on Private Finance Initiatives (PFI), as a majority of the funding under it comes from private initiatives," he told a press conference.

The president of the Association of Valuers, Property Managers, Estate Agents and Property Consultants in the Private Sector, Malaysia (PEPS), Choy Yue Kwong said in 2011, property prices would improve but the office market will remain soft.

"The property market currently is still very buoyant. Market prices are at record new highs. Interest rate is still relatively low," Choy said during the same press conference.

Choy emphasised that the high Asian savings will also cushion against a property bubble.

"It is challenging to own a house with a salary of just only RM4,000 a month. In 1975, a house in the Klang Valley was around RM30,000 and graduates earned about RM700 a month.

"Today, a graduate earns about RM2,000 but a house in the Klang Valley could easily cost RM400,000," he elaborated. Thus, Choy said, owning a house is only possible if the government made an effort to uplift income.

Eric Ooi, managing director of Knight Frank Malaysia, a global residential and commercial property consultancy, said this problem is prevalent in Asian countries.

"Funds and investment money is moving into Asia as the United States and the European economies are still struggling to come out of the doldrums.

"There is a lot of interest from buyers from China who are agressively buying into properties in Australia and Singapore. If these buyers start buying into Malaysian properties, then prices will further escalate," he said.

According to Ooi, there is a lot of interest at present from Singaporean and Hong Kong buyers, for Malaysian properties.

He highlighted that foreigners are looking at the yield in making decisions on property purchases.

"Currently, the Kuala Lumpur property market has a positive yield. Investors also like stability in the country and election results will have an impact on their investment mood," he explained.

He also said another factor to affect the property market is any increase in interest rates as it will impact the repayment of loans.

"However, there are expectations that the interest rate will not increase susbstantially," Choy added.

Source : Bernama

Date Published : 17 December 2010

There is no bubble!

2011-01-05T07:57:00.000-08:00

PEPS: There is no bubble!

Focus

MEMBERS of the Association of Valuers, Property Managers, Estate Agents and Property Consultants in the Private Sector, Malaysia (PEPS) have rejected the idea that the local property market is experiencing a bubble.

During a press briefing on the 4th Malaysian Property Summit 2011 - to be held on Jan 18 - they said properties are still being purchased at a healthy rate and the outlook for 2011 is positive, with prices continually increasing. This is backed by record increases in the number and value of property transactions since 2009.

"People, both local and foreign, are still buying, especially in the Klang Valley. Malaysia isn't experiencing a property bubble crisis," said PEPS executive committee and organising chairman Eric Ooi.

He said unlike the western market, Asian countries still show strong signs of property buying amidst increasing prices. China, Singapore and other Southeast Asian countries reflect this.

"It is different when it comes to the Asian market. China still show an increase in buying despite soaring interest rates and land prices. This can be attributed to our cultural practice of cash savings and carefully planned investments," added PEPS president Choy Yue Kwong.

"There is also a healthy interest in foreign investments into our country. While our yields aren't the best in the Asian region, Malaysia is still possibly one of the more stable countries to invest in. Along with positive capital gains, we are still much more affordable compared to Hong Kong and Singapore," Choy said.

In addition, the association believes the role of foreign buyers has little to do with the escalating value of local property values and that increased prices are only seen in selected areas in Selangor and Kuala Lumpur.

"The buying ratio of local to foreign buyers in the market was at 50:50 during the 2007-2008 market peak. Since 2009, the ratio has reverted to 70:30 in favour of local buyers," said Ooi.

"Foreigners only target specific locations especially those around the KL city centre or in upmarket suburban areas of the Klang Valley."

They stressed, however, that many of these places are located near financial centres or established land- marks making them prime and strategic locations for the younger generation. But Gen-Yers - especially those who have not owned a property but have intentions to live within KL and Selangor urban centres - would continue to find it difficult to own a property given the imminent increase in land prices.

"Without financial aid or assistance of parents, it just doesn't seem feasible for most of the Gen-Y to afford a home on their own," said PEPS executive committee member Datuk Mani Usilappan.

"The government should seriously look into providing more affordable homes and also improve public transportation, to and from the city centre, in areas outside prime locations."

Mani also suggested that the government implement a new national housing policy to assist the public who represent the bulk of Malaysians who are finding it difficult to own a property.

"Perhaps, the national housing policy could include the different categories of the property market, including the affluent segment. It is difficult for private developers to resolve the issue of affordable homes for the masses by themselves."

Asked to comment on the Building Management Association Malaysia's (BMAM) strong opposition to the amendments to the Valuers, Appraisers and Estate Agents Act, 1981 (VAEA Act), he said PEPS members felt that certain issues raised by BMAM were misinterpreted. As such, they will be seeking to clarify these soon.

Long way to go for BMAM

The Building Management Association of Malaysia's (BMAM) first roadshow and forum on building management in Penang last month was fruitful although it lacked the numbers to back its cause. It plans to hold the second one in January.

"The roadshow in Penang created awareness and the majority who attended signed up with BMAM. The feedback was positive but we still lack the numbers to back our cause.

"We'll continue to heighten awareness about what we're fighting for, which we believe benefits all property managers in the country," said Malaysian Association for Shopping and Highrise Complex Management (PPK) past president and BMAM member, Richard Chan.

BMAM made Penang the first stop of its roadshow because the state alone has an estimated 900 joint management bodies and management corporations.

Chan said the high number makes Penang vital to BMAM's cause in its opposition to the proposed amendments to the Valuers, Appraisers and Estate Agents Act, 1981 (VAEA Act) which BMAM believes will empower valuers and grant them monopoly not only as property managers but also facilities managers, building managers, maintenance managers and managing agents.

"We are not going against the valuers but the VAEA Act itself which we believe contradicts the government's economic liberalisation efforts, the Competition Act 2010 (Act 712) and the Consumer Protection Act 1999 (Act 599)," added BMAM president Datuk Teo Chiang Kok.

According to BMAM, with almost two million strata title residential units in Malaysia, the monopoly could result in valuers earn at least an additional RM1.62 billion annually.

"A low-cost unit with a potential market rent of merely RM500 a month will have people paying RM67.50 per unit per month, which is already above the current maintenance fee of RM20 to RM30 monthly," said Teo.

BMAM is currently represented by members of the Real Estate and Housing Developers' Association, the Associated Chinese Chamber of Commerce and Industry Malaysia, the Institution of Engineers Malaysia, Malaysian Institute of Architects, PPK, Bunga Raya Management Corp, Grandeur Tower Management Corp, Stratified Property Management Sdn Bhd, and Wisma Rampai Owners Association.

It is supported by the Malaysian REIT Managers Association and the Malaysian Retailer-Chains Association.

By : Nicholas Leong

Source : New Straits Times Property

Date Published : 27 December 2010

http://properties.emedia.com.my/review.php?id=2512

Property ? !

2010-12-29T11:28:00.000-08:00

Tron ! ! !

2010-12-29T11:11:00.000-08:00

Damn Nice !

Another Must watch movie ~ Sound effect n View effect are so so so nice ! Awesome !

Only 1 big question mark !

Why got 烧猪inside the movie? !

鱼票。哥鲁

2010-11-17T07:04:00.000-08:00

One of the best Foo Zhou's food !

Best intro to your friends and family !

I.K.E.A

2010-11-17T06:49:00.001-08:00

Today is holiday ~

Went to Ikea and the curve...

Crowded !

1 more cup please !

2010-10-31T08:08:00.000-07:00

18sx

2010-10-16T09:09:00.001-07:00

Super star also will do like this ...

小学生的造句

2010-10-10T08:58:00.000-07:00

1、" 难过"造句：我家门前有条水沟很难过。

2、"天真"造句：夏天就来了，今天真热.

3、"欣欣向荣"造句：欣欣向荣荣借了一支铅笔。

4、"智障"造句：甲班的小智障碍赛跑第一名。

5、"陆陆续续"造句：下班了，爸爸陆陆续续的回家了。

6、"如果"造句：汽水不如果汁好喝。

7、"其中"造句：我的其中一只左脚受伤了。

8、"原来"小朋友写:原来他是我爸爸。

9、"和平"造句：焦仁和平白无故的被老师打，真是倒霉。

10、题目:皮开肉绽
小朋友写:停电的夜晚，到处很黑，我吓得皮开肉绽!
评语:看到这句...老师佩服你。。

11、题目:一…便…
小朋友写:我一走出门，对面就是便利商店。

12、题目:边...边...
小朋友写:我的左边有人,我的右边也有。

lol

2010-10-07T06:21:00.000-07:00

Ooooo...

2010-10-01T08:02:00.000-07:00

Ooooo...

This is how we come to this world...

打工皇帝

2010-09-20T07:38:00.000-07:00

New Way 2010

2010-09-16T09:00:00.001-07:00

9.11 Bukit Tinggi

2010-09-12T09:02:00.000-07:00

Bukit Tinggi 2010

"aiya... Sudden a bee bite me"

"Omg... It's hurt me ! "

" Most romantic wall on Bukit Tinggi "

Stay tuned for more pics...

Italian foods fever

2010-09-02T09:16:00.000-07:00

Last week having company dinner at The Garden's Italian shop ~

Feel like drunk d ~

But actually we r no drunk at all ~

I just like this series of photos ~

My Childhood

2010-08-29T06:57:00.001-07:00

I like it so much during my primary school time ~

Today went to Mahkota Cheras JJ shopping saw this ~

So i decided to buy it without any regretful and just want to fulfill the wants n needs of this collection !

Teluk Batik

2010-08-28T08:53:00.000-07:00

Long time didn't visit here already ~

Still remember last time when still kids time during CNY will come here for picnic ~

Friday 13

2010-08-13T10:07:00.000-07:00

After work went movie with collegues ~

Quite funny ~ "no reason head 无厘头" movie ~

After that went "deng tai fong" for dinner ~

Weekend ~ woohooo ~

Port Dickson 2010

2010-08-11T08:21:00.000-07:00

Relax ~

The view from apartment ~

This Pasar Malam very special ~ 1 month 1 time only ~

Purse more bigger than her face ~ lol ~

This is very attractive booth ~

Look like very nice n delicious ~

Another special food !

Japanese Burger ? !

This beach look like very crowded !

Got golden sand feel ! lol !

2010-08-10T08:30:00.000-07:00

Best of the best of translator !

low profile always

Price and Prestige

Love this pic

Bring it on !

Wow !!!

30歲前你應完成的事

大馬房產路在何方

执着追求我的理想

NECROPHILIA

East Coast of Malaysia

走自己的路

有7種人永遠也買不到房子

18sx

Doggie Style ~

My LUCKY Day

有时候

Alone ~

Relax

Shit

Haha

结婚？

Luck

【舍得】

Direction

Errr...Everybody's Busy

omg !

五亿探长雷洛传

IOI

Common toy

陀飛輪

Smile vs Laugh

3.40 a.m.

18 sx

Posts

Decision

Agree !

台湾卤肉饭

「华印裔不满被边缘化」 敦马：选票流失原因

Spot the funny part !

I'm Lovin It

雪隆房產首季趨淡

结婚？

Talk to myself

Panaroma KLCC

The advantage of FAT

Silent means Gold

Miscellaneous

交易完成時間難拿捏

Fast 5

年轻的我们必须懂

關雲長 The Lost Bladesman

Mcd @ Taiwan

MAS Set Lunch

Rental Yield Formula

Recall back

Q&A: Is it better to go for fixed rate or BLR-based loan?

Q&A: Will the property boom be a continuous trend?

Padi Field

Sweet！

Secret

椰林大道

Count Down

Yes ! Got 1

買房子該怎麼殺價？

買房子該怎麼殺價？

山穷水尽疑无路，柳暗花明又一村。

Have a Smile !

小白兔是怎麼死的？

如何從投資產業起步？

捷運計劃擴散效應強, 週邊房產或漲26%

Opportunities aren't seized sleeping

Opportunities aren't seized sleeping

By : Andrew Wong

Source : New Straits Times Property

Date Published : 17 January 2011

25

Movie.Watched

坚持

Break it !!!

大馬置產須知

「华印裔不满被边缘化」敦马：选票流失原因