Membeli Hartanah Semasa Usia Muda

 I have to post this since I saw many inquiries in my facebook links.

My response:

Kalau bodoh, kena bertanya dengan sopan supaya boleh menjadi lebih pandai. Kalau sudah awal mengkeji, menghina kepada orang lebih tahu, sampai ke tua le kau tak beli rumah. Ada pun sebijik. Lebih sedih kerja jadi hamba duit. Kita mahu duit jadi hamba kita. Pengiraan ditunjukkan ada kebenarannya tapi kena guna akal. Bukan gunakan hati busuk. 

Pertama, kena kerja kuat semasa muda supaya boleh bersenang lenang selepas umur 50 tahun. Ada cara untuk dapat pendapatan rm3,000 sebulan semasa berumur 22 tahun kalau berusaha, bukan berangan sahaja. Lagi kuat kita berusaha, lagi tinggi pendapatan yang sepatutnya diperolehi. Jika kita kuat berusaha tapi pendapatan tetap sama, anda memilik perlaksanaan yang kurang elok. Sila lihat jawapan saya kepada satu pertanyaan di bawah.

Kedua, kena belajar teknik buat loan bukan berharap kepada ejen atau salesman pemaju. Penjimatan kos sangat penting. Di dalam keadaan ekonomi semakin mencabar terutama recession, permohonan pinjaman semakin sukar diperolehi. Tetapi jika kita tahu apa yang pihak bank lihat ketika menilai permohonan pinjaman, kita lebih bersedia untuk memperbaiki pengurusan kewangan sebelum membuat pinjaman.

Ketiga, kena belajar memahami pasaran sewa, bukan hentam ikut suka. Pasaran sewa penuh cabaran. Setiap masalah mesti ada peluang. Pelbagai persediaan perlu dilakukan sebelum boleh menerima penyewa terutama perjanjian sewa. Ini perkara utama yang diabaikan oleh pemilik rumah dan akan mengundang masalah pada masa hadapan.

Ke 4, kena belajar mengenal-pasti lokasi rumah yang strategik, bukan percaya semua yang salesman cakap. Ramai orang apabila membeli rumah, mereka memikirkan apa yang mereka suka bukan memikirkan apa yang bakal penyewa suka. Di antara dua cara pemikiran ini, memang sukar untuk mempunyai ciri-ciri yang bertindih. Hanya mereka berpengalaman akan nampak dengan jelas. Jika tiada pengalaman, masuk kursus la.

Ke 5, perlu belajar kawal nafsu, bukan sesuka hati berbelanja. Pastikan hidup di bawah paras kemampuan anda untuk mengawal perbelanjaan. Tentukan sasaran jangka pendek dan jangka panjang untuk menabung pelaburan dan hiburan. Rancang perbelanjaan untuk membeli barang keperluan dan bukannya membeli apabila perlu. Pembelian tanpa perancangan menyebabkan kita membeli sedikit-sedikit seperti di 7-11 menyebabkan perbelanjaan lebih tinggi.

I saw a good question from one reader:

Asyiqin Abdullah bagus soalan macam ni. Baru boleh belajar. Ada banyak kerja gaji tinggi kalau rajin berusaha contoh oil and gas. Lepas spm dan kursus kemahiran 2 tahun boleh dapat gaji rm3,500 sebulan. Kerja di Singapura gaji diploma Berumur 22 tahun boleh dapat sing$2,000x3.4 = RM6,800. Buat dua kerja berlainan, satu full time, satu part time contoh programming pun boleh dapat rm3,500. Kerja full time, part time jual burger pun boleh. Macam2 lagi boleh buat sementara masih muda. Gunakan akal, dan bukan tenaga semata2.

Boleh hubungi saya untuk personal coaching. Bukan percuma. Kalau nak free, sila cari sendiri ilmu.

Teach your children the value of money

Children easily wasted inheritance. You can find a lot of sad stories all over the world especially in rich countries or even in Malaysia . It is like winning a lottery which is also can easily be wasted. Search over internet the examples such as in here and here. Don't believe it? Come to my short course and I will show the sad reality.

Parents work hard for wealth, yet children easily scoundrel all the wealth in a few years. Some wealth does not even survive to reach the 3rd generation. Children easily damage or lost the belonging bought by parents since the belonging does not paid by their own money: hp, smartphone, computer, car, watch, etc.

Children should be taught to work for what they want to own or use.

Never give anything for free unless it is necessary for life and education. These are parents obligation. Parents can force the children to work for the luxury they want or parents can teach the children by sponsoring part of the total cost.

To give anything without the children come out the money is spoon feed. It is a bad habit being reinforce with good rewards which is very bad. The bad habits will be accumulated until their adults. I have seen people who are depending on their parents wealth to build or buy their own house, buy a car and much more.

This is one of the reasons wealthy family inheritance easily gone by the 3rd generation.

To get this beautiful house while my salary was still low, I had to pay loans to three different parties: bank loan, my father and my older sister. Due to their insistence to loan the money, I finally bought the house in the year 2000. For two years, I have to pay monthly to three different parties.

It took another five years before I can afford to install the extended roof.

Originally, the house has four rooms. However, the master bedroom at the ground floor was demolished to expand the guest or guest room. The house still have a master bedroom at the top floor.

It is a 22' X 70', one and a half storey house. For RM144,300 in the year 2000, my friends said it was expensive. After 3 years, people who work in surrounding area were the ones who foolish not buying a house in the area.

 

First priority for parents is to teach children to understand the value of money.

How much time, energy or efforts should be equivalent to the object to be desired. 

They should learn about raw material, level of different parties involvement, and appreciate the things they got.

Second, children should understand the meaning of hardworking rather than hoping for subsidy. Time and effort being spent to get something are sometimes more valuable than the things being obtained.

Thinking and creativity to achieve specific objective or target rather than immediate to get something.

Third, by understanding the values above children should appreciate other people's effort, energy and time to get something. This will make them understand the value of tenants, property agents or introducers. Without this understanding, it is hard to persuade other people to contribute to your goals.

Fourth, there is always alternative to money. Barter with what you have with what you want. In any economy collapse, bartering technique is very important such as happened in many countries such as USSR, Greece or even currently in USA. You should learn the Ferengi way in the Star Trek. Rules of acquisition!

HAPPY INVESTING!