Bagaimana Pelaburan Hartanah Menjadi PERNIAGAAN Yang Sangat Lumayan Kepada Anda!?

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

Perhatikan laluan NAGA yang sedang pesat berkembang

Pelaburan Hartanah boleh dijadikan "PERNIAGAAN" yang sangat menguntungkan. Apabila anda mempunyai UNIT HARTANAH yang semakin bertambah anda akan semakin merasainya "adrenalinnya". Di dalam PELABURAN HARTANAH anda memperoleh keuntungan berikut :

i) Posive Cashflow - Hasil sewaan di tolak bayaran intallment bulanan, maintenance, insurance etc

ii) Market Appreciation - Adalah nilai semasa pasaran keatas unit anda. Biasanya "NILAInya" akan sentiasa meningkat berikutan faktor inflasi, permintaan, kadar pertumbuhan penduduk, lokasi dan sebagainya

Dalam Pelaburan Hartanah anda cuma perlu bekerja keras diperingkat awal untuk membeli Unit idaman anda dan terpaksa korbankan sementara keinginan anda. Terutama dalam penyediakan jumlah DEPOSIT 10% @ 20% yang dikenakan dan pinjaman dengan pihak Bank. Selepas pada itu serahkan kepada "Penyewa anda yang Budiman" yang  membayar bayaran installment anda. (Kisah Bagaimana mendapatkan Penyewa dari Syurga dan mengendalikan Penyewa yang "Ketegaq" akan diceritakan di dalam BAB seterusnya"

Selepas itu biarkan INFLASI dan faktor PERMINTAAN pasaran yang bekerja dan menaikkan "Nilai" Hartanah anda sambil menikmati "Positive Cash Flow" yang ada

Lokasi Rumah teres 2 tingkat di Bandar Sri Damansara

CONTOH :-

Lokasi : BANDAR SRI DAMANSARA

Jenis   : TERES 2 TINGKAT

i) Harga Unit Baru                        = RM145,000.00

ii) Tarikh Beli = 1996

iii) Tempoh                                  = 18 Tahun

iii) Nilai semasa tahun 2014        = RM1.1M - RM1.2M

v) Keuntungan Bersih                     = +- RM1,000,000.00

Andaikan anda sangat rajin di peringkat awal sehingga mampu membeli 10 Unit rumah!  Atau pun 20 Unit Rumah!? Berapakah pulangan yang bakal anda peroleh selepas tempoh 20 Tahun?. Jika begitu mengapa anda tidak berusaha lebih sedikit dan dapatkan lebih banyak Unit di Lokasi Strategik hingga 200 Unit.. atau semaksimum mungkin yang mampu.

Sudah pasti ramai yang tidak mampu mengumpulkan jumlah Jutaan Ringgit tersebut. Bagaimanapun di dalam Pelaburan Hartanah anda boleh melakukannya. Justeru pastikan anda terus BERDISIPLIN  mencapai matlamat Pelaburan Hartanah anda. Semoga terus sukses

10 Habits of The Richest People in the World

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

There is one secret that almost every rich person knows. This secret is very important because it’s the reason they are rich in the first place. This big secret can be summed up in the words of the mighty Aristotle: “We are what we repeatedly do. Excellence, then, is not an act, but a habit.”

Rich people have gone through the painful process of forming rich people’s habits, and you can become financially prosperous as well if you make up your mind to do the same. Together, let’s examine 10 habits of the richest people in the world to help you make up your mind to make these habits yours, too.

1. They are goal setters

Rich people set goals that make them rich. People don’t become rich by accident. Rich people are very deliberate: they set goals to become rich and they eventually achieve those goals. The act of goal setting itself is a very rewarding exercise because it helps you to see and feel the money you want to have even before you get it.

2. They focus on one thing at a time

A laser beam can cut through very hard objects—it can cut through almost anything, in fact—and this is because of its unusual ability to concentrate all its power on a particular spot on the object until it begins to melt. Rich people are usually like laser beams. They set outrageous goals, but they stay focused on that one goal, directing all their activities and efforts towards achieving that goal until they accomplish it. Average Joes, on the other hand, often have no focus; they just tend to do whatever comes their way and take whatever life hands them. If you want to be rich, be goal oriented and stay focused.

3. They have great respect for time

Brian Tracy said that rich people think in terms of what they earn hourly rather than monthly or annually. Because they think hourly, whenever they are spending time on unproductive activities, they think about how much they are losing with every passing moment. Rich people don’t spend too much time on social media or watching TV. They work around the clock and cannot afford to waste any minute of their day.

4. They spend less than they earn

As simple as this may seem, it is the secret to getting wealthy: always spend less than you earn. The problem with poor-thinking people is they increase their expenses as their income increases. They buy better cars, bigger houses and they remain poor or average. Think about this in terms of percentage; if you want to be rich then follow the motto, “Save 10% of whatever you earn.” But be smart about it. As Warren Buffet said: “Do not save what is left after spending, but spend what is left after saving.” I also advise that you work with a budget and that you keep an income and expenditure statement.

5. They work very hard

Except for people who inherited great riches, I have not seen any lazy rich person. Rich people work very hard and they also work constantly. People that work hard can’t be behind, they are always on top of their profession whether they are business people, self-employed, or even employees. They always do things that ordinary people cannot do.

6. They continually learn and grow

The more you know is the more you earn. Your learning power determines your earning power. As much as it is important to work hard, hard work alone will not make you rich. Before money can be earned, value must be given in return, and the only way to add more value to your clients is by first adding more value to yourself. This can only be done through continuous learning. Make up your mind to develop new skills and gain more experience every day.

7. They keep rich company

Rich people don’t have poor friends. As the old saying goes, “Show me your friends and I will tell you who you are.” Let me tell you something: you may not have so much money right now, but as long as you keep walking with rich people or those with the potential to become rich, you will someday become very rich yourself.

8. They are persistent

Rich people don’t give up. About 90% of rich people today did not become rich the way they originally thought or intended. They tried, they failed, and they rose up again many times before they eventually succeeded. You may lose a lot of money in the process, but you’ll keep getting better by learning from your mistakes and experiences until you get the financial independence you desire.

9. They take calculated risks

Rich people are fond of taking risks. Once they decide they want to get something, they will give whatever it takes to get it, even if it means risking their lives sometimes. If you want to become rich, don’t be afraid of taking risks. Be bold and courageous, but also be calculative. Know what each decision will cost you and never put all your eggs in one basket.

10. They are generous

Rich people are very generous. If you look at the lives of the richest people in modern history, you will discover that a lot of them are great philanthropists: people like Rockefeller, Andrew Carnegie, Bill Gates, Carlos Slim, to name a few. Make giving one of your habits today and you will become very rich someday, too

10 Morning Habits of Highly Successful People That Make Them Extraordinary

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

You know what makes highly successful people less stressed, happier and more productive? They know that their personal priorities are worth more than other people’s priorities. Upon waking up, these significantly successful professionals don’t immediately check their email – they make it a point to claim the early hours of the day as their “me” time.

After all, these extraordinary people believe that if their priority needs to be done, then it has to be done first. 

What do highly successful entrepreneurs and executives do upon waking up in the morning? Here are ten of them:

1. Wake up really early

Surely you know that time is an invaluable asset. Highly successful people take it up a notch by waking up at 5:30 am, 4:30 am and even 4:00 am. Not only will they have more control in their early hours, they’ll also have more opportunities to do things that matter to them. 

Start with waking up 15 minutes earlier than your usual time. Then, gradually adjust.

2. Burn your calories

We don’t mean just the intense exercise regimen – you can simply do yoga, like Christies CEO Steve Murphy does. Exercise will not just make you think clearer, be healthier and scientifically happier, it allows you to combat stress as well.

Make time for exercise. An hour-long routine seems too daunting, so try running, dancing or even walking around the neighborhood for at least ten minutes.

3. Do an “Hour of Power”

Motivation doesn’t last forever, so you need to replenish yours regularly. Highly successful people know this, so they dedicate ample time to increase their supply. You’re more likely to continue accomplishing a task once you’re emotionally invested in it, right?

Spend thirty minutes listening to inspirational anecdotes and empowering quotes.

4. Jot down on your gratitude journal

Happiness is about wanting the things that you already have. By enumerating the blessings they’re grateful for, highly successful people become more open to optimism and inspiration and improve their outlook in life.

Everyday, write down at least one thing that you’re thankful for. Learn to count the small wins.

5. Ask yourself one important question

“If today was the last day of your life, would you still want to do what you’re about to do today?”

This hard-hitting question gets you right where it wants you. If you find yourself saying “no” several times in a week, then go out there and change something. You never know when you’ll have the opportunity to do it the next time.

6. Eat that frog first

In the morning, the willpower of highly successful people is fresh and ready to go. So, this is the best time to take advantage of it – do your hardest task, your “frog” first. This way, you’re more likely to get it done and you’re more likely to finish it without other people barging in on you.

Choose your “frog” of the day – only one – and stick to completing it before you even get to eat breakfast.

7. Connect with your partner

Use your morning hours to reconnect with your partner. Talk about your plans, your finances and even your beloved hobbies as a way to always be present in their lives. In the morning, highly successful people know that you’ll have more energy and more focus so making this a ritual is paramount. You can even set up one day of the week as your “breakfast date”. Go to the nearest cafe for breakfast or run around the neighborhood with your partner. It may do wonders for your relationship.

8. Plan and strategize

If you don’t take a few minutes of your time to map out the direction of your day, how will you know if you’re headed towards the right direction? Take at least 10 minutes of your day to visualize your life goals, review your tasks for the day and allot schedules for breaks. It’ll help your day be more manageable and less stressful.

9. Meditate and clear your mind

Keep calm and let your inner peace guide you: spend a few minutes to say a prayer or to meditate to keep you relaxed. Remember, 90% of illnesses are stress-related, so forget the rush, don’t dash and enjoy a few “hush” moments with yourself. Focus on your breathing. You may even recite an empowering mantra during your routine.

10. Cuddle and bond with your kids

If you have children, this is for you. Don’t be that parent who says,  “Oh, my son/daughter grew so fast! I barely had time to enjoy with her/him.”

In the morning, when there is less clutter in your mind and less stress in your system, make it a point to help them get dressed, cook a hearty breakfast (or bake a batch of cookies) and even talk to them about their dreams. After all, you’re working so that your family will have a better time. Don’t let work get in the way of family – make time for your priorities

Home prices in Johor slide in second quarter

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

Ada perbezaan ketara di antara Pelabur Hartanah tegar dan pelabur biasa. Pelabur Hartanah tegar akan perhatikan ROI yang paling cepat. Mereka akan melabur di pasaran yang akan mula "matang". Pembangunan jangka panjang bukan menjadi pilihan utama memandangkan "Time is Money". Lebih pulangan dalam jangka masa singkat menjadi keutamaan

-Time value of Money

PUBLISHED ON NOV 4, 2014 6:33 AM

 325 1 0 0PRINTEMAIL

 

Despite the gloom in the high-rise residential sector, the industrial and commercial property sector in the Iskandar development zone is still doing well, said Mr Wee Soon Chit, executive director of Landserve in Johor. -- PHOTO: BLOOMBERG

BY RENNIE WHANG

Home prices in Johor state, which takes in the huge Iskandar development zone, dipped in the second quarter for the first time in more than two years.

Prices of high-rise units - which have sprung up in large numbers recently in Iskandar - tumbled 13.5 per cent from the first quarter.

The figures are from Johor's House Price Index (HPI) in a recent Maybank IB Research report.It showed that the overall index fell 1.6 per cent quarter on quarter - though it was still up 4.6 per cent from the second quarter last year.

The slide has been caused by the Malaysian government's cooling measures from January, said analyst Wong Wei Sum of Maybank IB Research.The raising of the minimum price of property that can be bought by foreigners - from RM500,000 (S$195,000) to RM1 million - since May has hit demand as well, Mr Wong told The Straits Times.

Still, property consultants noted that while prices of newer projects are falling, secondary market prices remain robust. Prices in newer developed estates have run up to an unsustainable level, leading to a large price difference between older and newer areas, they said. "Prices of properties launched up till 10 years ago have been gradually rising over the past 10 years," said Mr V. Sivadas, executive director of PA International Property Consultants.

"But in Iskandar in the last five to 10 years, developers' pricing has shot through the roof."

Developers have been hiking prices "indiscriminately" in response to changes in the minimum value for property purchases by foreigners, Mr Sivadas added."The developers' market will eventually find its own level. If developers can't sell, they will have to be more innovative in marketing strategies or adjust pricing."

Demand for recent property launches has been softer than from the second half of 2012 to the first half of 2013, Mr Wong noted.

For example, by the end of September, the first phase of Guangzhou R&F's Princess Cove received about 46 per cent bookings for its 1,488 apartment units which were launched at the end of July. Half of its 79 retail lots were booked. The take-up rate for UEM Sunrise's Almas condominium in Puteri Harbour was 25 to 30 per cent as at the end of September, while Tropicana has yet to launch its high-rise units in Danga Bay.

Property prices are expected to stay weak or flat, especially for mixed-use and high-rise residential projects over the medium term, given the "more than ample" incoming supply by the end of next year, said Mr Wong.

A study by property consultancy Landserve says 18,718 high-rise residential units are set to be added by the end of next year, with 40,374 units more by the end of 2017.

Iskandar Waterfront Holdings is also said to be in talks with several foreign developers to sell some of its land in Danga Bay or Permas Jaya, which could raise fears of a housing glut in Iskandar, said Mr Wong.

Still, despite the gloom in the high-rise residential sector, the industrial and commercial property sector is still doing well in Iskandar, said Mr Wee Soon Chit, executive director of Landserve in Johor.

About two weeks ago, all 52 semi-detached and detached factory units in Phase 1 of the iBP@Nusajaya in the Southern Industrial and Logistics Clusters (SiLC) were sold on launch day - from RM3 million per unit on average. A week earlier, developer AME had sold all 52 three- and four-storey shop offices in Nusajaya Square 2, also in SiLC, from RM1.4 million per unit.

Said Mr Wee: "The perception that the property market has softened in Iskandar is mainly influenced by the performance of the high-rise residential sector, which is rather misleading as other sectors are still doing well."

- See more at: http://www.straitstimes.com/news/business/property/story/home-prices-johor-slide-second-quarter-20141104#sthash.i5k3tpFi.dpuf

Fresh graduate & sila ambil perhatian. FIKIRKAN SITUASI INI

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

Masa tamat  graduasi bertahun lepas tiada pesanan atau titipan nasihat yang diperolehi apa yang perlu dibuat melainkan pergi cari kerja dengan Izajah ehh eh Ijazah yang ada ditangan. Berbanding dengan sahabat saya dikalangan berbangsa Cina. Mereka lebih fokus dah sudah tahu apa yang perlu mereka lakukan. Mereka memaksimakan setiap ruang yang ada dengan efisyen. Banyak rangkaian peluang yang mereka ada dek kerana ramai dikalangan keluarga berdagang dan berniaga. Hari ini keadaan sedemikian telah sedikit demi sedikit berubah.

Disebabkan cabaran hidup di Kota yang semakin sengit. Justeru para graduan perlu lebih bijak dalam penilaian dan waspada dalam mengatur langkah. Agar akhirnya mencapai lebih kejayaan. Daya saing perlu ditingkatkan menghasilkan produktiviti yang lebih tinggi

Berikut titipan pesanan dari sahabat saya yang juga merupakan seorang Banker, Property Investor dan Speaker. Moga dapat dijadikan panduan anda pada masa hadapan

Khairul Ezuwan 

Fresh graduate sila ambil perhatian. FIKIRKAN SITUASI INI

================================================

Gaji Kasar mula bekerja = RM2500

Situasi 1

------------

Gaji bersih = RM2200

Beli kereta Myvi = installment RM600

Jika nk Beli Rumah waktu ini, anda hanya layak utk Beli Rumah yg berharga RM50K shj.

Selepas 3 thn = dianggarkan kenaikan gaji 10% setahun.

Gaji kasar slps 3 thn= RM3250

Gaji bersih RM2850

Waktu ini hanya layak Beli Rumah yg berharga 100K shj.

Gunakan Formula: (RM2850 x 40%) - RM600 Myvi = RM540

Kesimpulan= RM540 anda hanya layak membeli Rumah yg berharga RM100K shj selepas bekerja sbg executive selama 3 tahun????

Situasi 2

-----------

Gaji bersih RM2200.

Buat ASB Financing-i RM100K = installment RM600

Target Beli Rumah selepas 3 tahun.

Selepas 3 thn= dianggarkan kenaikan gaji 10% setahun

Gaji kasar slps 3 thn= RM3250

Gaji bersih = RM2850

Dividend terkumpul dlm ASB slps 3 thn = RM26K

Kiraan dividend sbg income =(100K + 26k) x 7.5%/12 bln = RM780

Total income bersih= RM2850 + RM780 = RM3630

Waktu ini anda layak utk Beli 2 biji Rumah yg berharga RM200K setiap satu.

Guna formula : (RM3630 x 70%) - 600 pinjaman ASB = RM1941

Kesimpulan: dgn RM1941 anda layak utk membeli 2 biji Rumah yg berharga RM200K setiap Satu. Anda juga ada cash in hand RM26K + RM14K EPF A/C 2 = RM40K utk deposit Beli Rumah sekiranya perlu.

Jika pasangan anda juga buat cara yg sama. Anda berdua sudah mempunyai 4 biji Rumah dlm tempoh 3 thn bekerjaya & Baru berkahwin.

Ps: jgn ckp sy perlekeh pd org yg nk Beli kereta dulu, kalau nk beli, Beli jer. 

Pilihan kat tangan Kita sendiri.

-KEY-

"Never spend more than 10 percent of your time on the problem, and always spend at least 90 percent of your time on the solution."

TITAH TMJ- UCAPAN YANG DITULIS DENGAN BAIK

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

TITAH TMJ- UCAPAN YANG DITULIS DENGAN BAIK

"Peristiwa yang lalu tidak dapat diubah, tetapi kita mampu mempengaruhi masa depan. Kejayaan bukan diukur dengan kedudukan seseorang itu, tetapi dengan segala rintangan yang diatasi untuk mencapainya"

Musim ini merupakan satu musim yang baik untuk JDT. Tentunya ia lebih hebat sekiranya kita menang pada malam ini, tetapi kita perlu terima keputusan ini dan terus maju kehadapan, kerana hidup mesti diteruskan. Kita telah berusaha terlalu gigih dan terlalu lama untuk membiarkan sesuatu menjadi penghalang bagi mencapai matlamat yang kita idamkan. Kita mestilah sentiasa kekal bermotivasi dengan dorongan untuk mencapai sesuatu, dan bukannya keinginan untuk menjatuhkan orang lain.

Janganlah bersedih, dan janganlah hampa, kerana kita masih bernafas. Dunia belum berakhir, ianya cuma sedikit halangan dalam perjalanan kita. Jangan berputus asa, pandang ke hadapan, dan seperti yang saya selalu katakan, apabila beluncas menyangkakan dunianya telah berakhir, ianya bertukar menjadi rama-rama. Marilah kita terus bersyukur dan kekal positif. Jangan dinilai hari kita dengan apa yang dituai, tetapi dengan benih yang disemai"

Sayangilah orang yang tersayang, hargai apa yang kita miliki, dan teruskan hidup.

Hidup Johor Demi Johor

Jumpa lagi di musim hadapan.

-DYAM Brigadier Jeneral Tunku Ismail Ibni Sultan Ibrahim, Tunku Mahkota Johor

~Menginspirasikan. Ramai yang lupa kejayaan yang dicapai mereka yang telah berada dipuncak mempunyai cerita perjalanan yang panjang. 

TIPS PENTING MEMILIH PENYEWA DENGAN BIJAK

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

Ramai yang mengalami kisah duka apabila mendapat "Penyewa yang agak kurang asam". Justeru terbantutlah hasrat melabur di dalam Pelaburan Hartanah gara-gara tidak tahan menghadapi masalah penyewa. Pandangan saya untuk mendapat penyewa yang terbaik bermula daripada "lokasi" yang anda labur. Seterusnya semasa proses pemilihan berjalan sangat penting. Jangan tangkap muat @ asal boleh. ASK LEADING QUESTION. Jika ada terdapat ciri-ciri bakal penyewa yang kurang berkenan di hati. Tolak dengan elok bagi menjaga airmuka pihak yang berkenaan. Contohnya : "Aiseh dah ada penyewa yang confirmkan bayaran deposit" atau senang cerita "maaf..rumah dah ada orang yang sewa" 

Jika unit yang ingin disewa mendapat sambutan boleh improvised dengan menyediakan Borang Maklumat kepada penyewa yang berminat sebelum hadiri temuduga dan dipilih. Boleh dapatkan TIPS berikut daripada Tuan Zaidi Ismail Bagaimana Mengendalikan Penyewa Anda

Zaidi Ismail

13 hrs · Edited · 

Salam Jumaat , penghulu hari.

Sedikit perkongsian untuk Tuan Tanah dan bakal Tuan Tanah Kedaung. Ada soalan di FB salah seorang ahli urusinsan kemarin yang bertanyakan tentang bagaimana nak dapatkan penyewa dari syurga.

Saya berikan komen bahawa janganlah dipilih penyewa yang mempunyai ciri-ciri penyewa dari neraka kerana agak sukar untuk mengesan penyewa dari syurga berbanding penyewa yang mempunyai ciri-ciri dari neraka. Ini kerana mereka boleh bermuka-muka tunjuk baik depan tuan rumah hanya kerana ingin menyewa rumah kita. Perangai sebenar akan terserlah apabila dia masuk rumah kelak.

Semalam saya mengalami pengalaman di hampiri bakal penyewa yang mempunyai ciri-ciri dari neraka. Antara ciri-ciri yang terserlah ialah :-

1. Adab (tiada atau kureng) 

2. Tidak menepati waktu

3. Tiada pertimbangan ( orang negeri sembilan sebut "senonong dia jer" , orang jawa sebut "inconsiderate")

4. Tiada budi bicara dan tiada budi bahasa

5. Tidak mengikut aturan

6. Belum jadi penyewa dah banyak cedakak

7. Demand melampau ( semua mau , bayar jer tak mau)

8. Bodoh Alang (saya biasa terima soalan "saya nak sewa bilik jer bang bukan nak sewa satu rumah , habis tu bukan kena masuk rumah dulu ke baru boleh masuk bilik?)

9. Mintak deposit bayar ansur

10. Mintak sewa rumah bayar ansur

11. Tidak membuat persiapan untuk menyewa

12. Rumah yang hendak disewakan pun tak tahu kat mana

13. Oleh kerana saya menyewakan pada muslimah , saya tidak akan pilih penyewa yang suaranya lebih tinggi dari suara saya.

14. Oleh kerana asrama saya fully furnish , saya memang pantang kalau bakal penyewa yang jenis kureng bersyukur.

15. Suka melibatkan pihak ke tiga dalam membuat keputusan.

16. Kurang sabar

17. Tiada reference (tiada rujukan , terutama dari tuan rumah lama)

18. Kantoi semasa ditemuduga MEM COO (maklumat palsu , menyembunyikan sesuatu etc) , mem COO mempunyai firasat yang kuat , dia boleh kesan kalau lain macam jer.

Itu adalah anatara ciri-ciri penyewa yang saya akan reject.

Nota : Penyewa dari neraka merujuk kepada penyewa yang bakal menimbulkan pelbagai masalah kepada Tuan tanah kedaung pada masa hadapan