actually I had written a free ebook entitled “ HDB Millionaire” 2 years ago just for junior investors. This is still available for TOTALLY FREE NO STRING ATTACHED download on my website.
but sadly, due to my time constrain as a director of many angmo companies, it was only partially completed. Writing a book is totally different from ranting in a forum leh
ranting like a mad man is easier as you can tell from my many posts in this forum.
anyway, time passed and of course my "advice" had already evolved. And now I am so happy you seek this answer for the young punks out there again:
1: THE HUMAN DESIGN
Brothers and sisters here are all human beings, I believe. Although I must admit there are beings from other realms in this forum.
To invest well, you have to first KNOW YOURSELVES.
That is, WHAT ARE YOU, WHO ARE YOU, WHAT ARE YOU MADE UP OF. But sadly, I can tell you, young punks nowadays more interested in k-pops or k-dramas than knowing WHAT they are.
You see,
The HUMAN IS DESIGNED TO WORK AS A COUPLE.
Wait a sec, you say. What ? As a couple? I mean, we are taught all genders are equal and everyone is a FREE independent individual in schools, aren't we ?
Let your handsome brother here tell you,
THEY BLUFF YOU ONE LA ! WOAHAHAHHEHEHEHHE
A MAN IS WIRED TOTALLY DIFFERENT FROM A WOMAN. The man is lacking in certain aspects which the woman are good at. If you like a metaphor from me,
A MAN IS A BULL and A WOMAN IS A COWBOY.
What ? Brothers like chestnut would certainly say I should go back to IMH again, no?
Let me ask you a very simple question:
YOU SEE ANY SUCCESSFUL INVESTOR or BILLIONAIRE NOT HAPPILY MARRIED? A few can even marry a few times ! Of course, the latter is not encouraged.
The question is, Why Billionaires are desperate to find a partner once they lose their partner? WHY? Let me tell you, herein lies the FIRST SECRET to successful investment:
1)
FIND A MARRIAGE PARTNER AS SOON AS POSSIBLE.
Because both the male and female species are wired to complement or make up for each other's strengths and weaknesses in any investment decision making.
2: The Couple is the Double Headed Serpent !
If you get married, you will have a higher combined income. Now, a married couple's income is a hedged income much like a double headed serpent.
How so? You asked your handsome brother here.
Very simple, a married couple's income is an income from 2 sources. Meaning it is lower risk than one income from one person. Ask yourself this question, in the event of a recession, touch wood BUT can you be so unlucky as both get retrenched at the same time??? See the magic message here I am trying to convey? It is a lower risk income.
Now, it will not work if say a guy and a gal cohabit together but not married. How so? Very simple, both would be on different stakes when making an investment decision. Well, human nature as it is selfish, one party can choose to run road before the investment fails. But if you are both married, die die have to try to meet any challenges put to you by life.
So, now you understand why a couple is a double headed serpent, and why combined income sources is actually a diversified risk instrument, I shall continue further my advice to young aspiring property investors with low capital of say SGD400,000. There is a trick around this.
3. Singapore HDB policy is Santa Claus Policy.
"What? Am I hearing this correctly," many young bothers and sisters now wondering if I am now typing from the IMH ( Institute of Mental Health).
Let me explain before you jump to any conclusion.
A NEW HDB gave the buyer an UNFAIR ADVANTAGE over the rest of the market segments. How so?
Because it is a
very Heavily Subsidised Investment. So UNFAIR that your humble brother sometimes imagine the HDB to be headed by Santa Claus giving away free monies !
The construction costs itself for a single unit already well surpassed the price each citizen pay for a new HDB. Let alone if we were to take into consideration infrastructural costs or intangible benefits like lift lobby, carparks, gardens, public facillities like libraries and shopping malls.
To add to this ridiculous charitable act, the Singapore Government actually built MRT stations ( or MTR as known in Hong Kong, or Subways as known in angmo cities ) and light rails system within walking distance of the new projects.
Not surprisingly, the new HDB or new EC are always closer to MRT stations than the private condos. There is only one exception in the Lion City and that is ION Orchard.
What were they thinking? Unlike the Minister who spent countless sleepless nights thinking about how to curb the sizzling hot Singapore property market; your humble brother here spent countless sleepless nights wondering if HDB is really headed by Santa Claus.
Where on this Planet's developed cities can you find a new 900sqft 3 bedder apartment selling for less than S$500,000? If you convert that into British Pound or Swiss Franc, it looked even more ridiculous!
Indeed, HDB is giving you free monies- albeit not in the form of hard cold cash, but in a form of market asset value which eventually you can choose to convert into cash if you want to.
A quick mental work by your humble brother, for each new HDB unit, the buyer stands to gain at least S$20,000 from the construction costs, and at least an additional S$80,000 if you compare a similar sized HDB resale unit.
A new BTO investment of about S$300,000 would be worth around S$400,000 if put into the resale market after complying the minimum occupation period. And that is just conservatively calculating.
Then, for those uncles and aunties who bought their Marine Parade New HDB for less than S$100,000 20 years ago, it became even more ridiculous when a recent unit there was sold for a COLD HARD S$1,000,000.
Now, if we even take a high inflation modal rate of 5% annually for 20 years, the uncles and aunties still stand to gain more than S$700,000 in present value terms !
NOW YOU GET IT?
Well, if you are a young investor with little capital, you should try to get married and then ballot for Executive Condo, BTO or HDB. Then, get a loan from HDB or bank to service your asset.
Getting a HDB immediately after your marriage will have gotten you started a few hundred meters ahead from the rest of your peers in the long property investment marathon.
PAP government is on the right track, dun be brainwashed by the Internet forums.
see what my mentor said:
http://www.youtube.com/watch?v=e7D3_eGaO5k
4. HDB Policy is also my Grandmother's Policy.
"You can't be serious," I heard young punks saying this infront of their iPhones to me again.
Read My Lips: HDB POLICY IS MY GRANDMOTHER'S POLICY !
wow...that was just scary man......before you tell on me and get me to lim kopi, let me quickly tell you a story:
Only a few brothers and sisters here are aware, I got to where I am today because I was born with a silver spoon. Or... I was born into a disgustingly rich family la. But anyway, that's another story.
You see, I got a head start in property investment using a S$500,000 seed money given by my 100 years old grandmother on my 19th birthday la. ( Very paiseh...I play cheat la.....WOAHAHAHEHHEHEHEHEH )
However, all is not lost! The roads to Rome are all different, but the destination is the same, my good young brothers and sisters.
"I feel like smashing his face," indeed, my third eye heard you !
Anyway, before you got all angry...listen to me for a sec.
When you buy a HDB, the subsidised rate they gave you, is.......
JUST LIKE THE SEED MONEY MY GRANDMOTHER GAVE ME !
BINGO! Now you believe that I am an enlightened being with a THIRD EYE liao bo?
I shall share with you how to capitalise on this grandmother's seed money from HDB la.
WOAHAHEHHEHEHEHEHEH
Reply With Quote
Originally Posted by blackjack21trader
Those who had played the game earlier have accumulated more chips and still can play the game. Some new comers play with PM $. 
