Hi odyssey , are u catholic??
If so, please let me know which Is the nearest to go from leisure farm. Right now, I could only go LF either after Saturday mass or rush out for Sunday mass. Really appreciate. Thsnks
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Living in JB
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Hi odyssey , are u catholic??
If so, please let me know which Is the nearest to go from leisure farm. Right now, I could only go LF either after Saturday mass or rush out for Sunday mass. Really appreciate. Thsnks
At least you're not using a personal wheel clamp
aiyoh, you just gave me an idea... :p
House with mortgage may not be a liability. Property in many countries has grow many time faster than income and inflation rate. With leverage and HOLDING POWER. House with mortgage can be the biggest asset.
With regards to real estate investment, the biggest asset is not cash. Many people does not realize that the biggest asset is the ability to borrow and young age to borrow longer.
A 30 year old investor can borrow up to 40year in Singapore. At 2% the monthly installment is 3028. Work out to 36336 annually. This investor need to keep 8years reserve of this amount to be able to hold through a property cycle usually abt 8 years. This mat to 291,000 reserve.
Conversely for a 50 years old investors, he need to have a reserve of 485000 to last him 8 years.
Debt is good as long as you keep 5-8years of installment reserves. The more you borrow the more reserves you should keep.
Where to find the reserves? For the lucky one, you can take an equity loan on your property if your property increase in value over the years. For the lucky ones, they have to working harder to earn their reserves.
The more successful investors do not use their own money to invest, they use others money.
This way the ROE is very huge or infinite as they use none or little of their own capital.
Hope this will shed some lights with regards to property investment using good debts.
Cheers,
PH
With regards to real estate investment, the biggest asset is not cash. Many people does not realize that the biggest asset is the ability to borrow and young age to borrow longer.
A 30 year old investor can borrow up to 40year in Singapore. At 2% the monthly installment is 3028. Work out to 36336 annually. This investor need to keep 8years reserve of this amount to be able to hold through a property cycle usually abt 8 years. This mat to 291,000 reserve.
Conversely for a 50 years old investors, he need to have a reserve of 485000 to last him 8 years.
Debt is good as long as you keep 5-8years of installment reserves. The more you borrow the more reserves you should keep.
Where to find the reserves? For the lucky one, you can take an equity loan on your property if your property increase in value over the years. For the lucky ones, they have to working harder to earn their reserves.
The more successful investors do not use their own money to invest, they use others money.
This way the ROE is very huge or infinite as they use none or little of their own capital.
Hope this will shed some lights with regards to property investment using good debts.
Cheers,
PH
Hi Sanur, by any chance do you know the Mass times there? Thks
Sorry odyssey
Have not been, as I saw the church while on the way back from pontain. It's further down the said nursery but on the opposite road. Will let u know if I have the chance to check it out.
Yes I am catholic. I think the nearest one would be Church of the Immaculate Conception as mentioned by Jasonjst. Mass times are Weekdays 5.45pm (Mon-Fri); Sunset 6pm (Novena 5.30pm); Sun 7am, 9am, 10.30am, 5.30pm. Hope these help.
Landmark Tower? Landmark Medical Centre? Close to Tropical Inn? Jalan Wong Ah Fook and Jalan Tun Abdul Razak? Travelling along Jalan Tun Abdul Razak towards Singapore, you may be able to see the steeple on your right as you approach the Tebrau Highway junction....... Haha lost? maybe you can try to goggle for these places.
Wow ... this is something which I tried to convince my sis-in-law last yr to buy JB houses , but she is not convince .
Going to paste this on her facebook to wake her up .
Thks for the write up .
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Got mah , Just behind Station 1 cafe /Bukit Indah , there are 2 to 3 bigger one there . Go there see which one more people must be correct . Tried a few time already , reasonable price / reasonable quality . You going on Sunday with family right ? haha ..
There is a restaurant at the end of Danga Bay if you drive from JB city, just before you enter the busy Jln Skudai... not bad !
How is your hunt for houses ? Managed to find anything on the resale ?
Some of the abv timing might be chinese mass . Only being there once with my immediate neighbor in JB . Haha , now I know quite a few catholic in JB , great !
Best to Key IN into GPS before set out , JB city is no joke to move around, miss a turn very difficult to U turn liao .
I never like going JB city unless bo pian . Still prefer the little Nusajaya / Bukit Indah town.
Haha you've noticed my earlier post. Yes going there on Sunday with my family. Thanks for your info again Jason.
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When I reach the end of Danga Bay, is it on the left(Danga Bay side) or right side(opposite of Danga Bay)?
It is on the left side, drive in a bit... right side going to main road liao... it is a big Chinese restaurant like the scale of longbeach.. It is called Grand Straits Garden Seafood Restaurant... the locals frequent it for celebrations... you can find it on google map
4 of us ate there... i remember we ordered a simple kampong chicken (stupid choice!), some vege, a lobster, a meat... RM300+ total bill
So this is not exactly cheap but probably slightly cheaper than SG
Exit Jalan Persiaran Danga, Danga Bay, 81200 Johor Bahru, Johor, Malaysia
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Yes chiku, soursop and rambutan do attract bats at night . In old chinese beliefs bats bring wealth but you also need to offer your fruits in return !
In my old kampong we had many fruits trees and when you find half eaten or empty rambutan husks, you know bats have visited. If you do not like to attract bats try mangosteen , guava , durian , lemon. Personally I do not mind bats coming at night, till now I do not have chance to show my kids bats in the wild in SG. Flying fox ...the bigger bats seem to be totally disappear in SG wild. The last that I saw in the wild must be way back as a boy in kampong. I missed seeing those creatures but not the snake that also come at night for food.
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Yes chiku, soursop and rambutan do attract bats at night . In old chinese beliefs bats bring wealth but you also need to offer your fruits in return !
wild must be way back as a boy in kampong. I missed seeing those creatures but not the snake that also come at night for food.
Bats r cute but their poo staines the floor badly.
Still hunting. Going in tomorrow to view somemore houses in HH. Hopefully can find one that we like. Eyeing one recommended by someone from our forum but waiting to see the inside. If we can feel some affinity with the house, my wife and I are aready to sign on the dotted line.
You are right. the 10.30am is in Mandarin; 5.30pm is in Tamil. Nice to know you are one too.
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