Because of you

The following is written by a Hong Kong home buyers have dozens of misunderstanding on the present rebuttal. I think it is quite in place, especially in front of a few of us living in big cities, can provide reference. 1. I can buy a flat
falling market has repeatedly stressed that although the price level when the city fell, but the funds required to buy flats Well the first shot will be substantially reduced proportionately. Why are there market crash? Because of the low price must sell a large number of owners. Why sell low price and let you have? Because the water. Ask water Why not borrow? Because the bank latch hose. We must remember that the crash occurred the city must meet the bank latch hose. If you like the house, playing two calls to borrow up to 10 million, why should let you fire sale floor? Therefore, in the city for their homes drop, you must be prepared full price valuation Well, all child cannot even do 7 in Chengdu. For example, left 200 million or 100 million, but the banks only willing estimated 80 million, and only willing to do 6 percent, then you have to throw up 32 million. If you recite the 10 million domestic by the MC on it a 1 million, you can come back home and sleep training.
Also, when you want to buy a flat floor, City crash, you need to have a lot of cash. I stress the cash, Do not need to sell either stocks or other assets, because you only when the stock market crash like the city will fall.
valuation 8 6 into the fold to do, very optimistic about the conservative estimates, in fact, in the 08 financial Sea, the majority of banks in the mortgage deed executed before the abrupt termination of the application 1 into both the cases will be true on both Wubi happened. In addition, the civil service unless you otherwise, there is no guarantee a good time during a slump City revenue will not fall.
Conclusion: You need to hold more than 50% of target price in cash.

2.
property prices will fall on and off in the short term there is a fact, but another important fact not only to 30-year observation period, then prices will not rise fall! 03 SARS in Hong Kong price is the lowest in recent years, Mobil's 03 price is about 1600, but 1600 is still the low price of 10 times the price of Mobil occupation! In fact, a period of low prices, usually over a period of high prices on the even higher. Other prices blasting friends, be prepared for property prices and the bursting of today's prices are actually similar.
So, if you use at home, recite the long-lived live 20 to 30 years, as long as the contribution within its capabilities, even 97 years as home buyers, because prices rise and fall will not affect you one already planned both contributions, property prices in 20 years will exceed the purchase price (please compare the prices of 1983 and 2003).
Conclusion: The long-term 20 to 30 years to see, property prices will rise. Short-term fluctuation designed only for speculators.

added:
Some have questioned why a rise in the past 30 years to infer the next 30 years, and that Hong Kong's economic development has been the ceiling, do not repeat the past 30 years may increase.
first to find out the same field to the rising prices and economic development do not necessarily have a direct relationship, in fact, the economy of Hong Kong today than in 1980, although the large, but not 20 times that much (I refers to the fact, not figures.) $ 10 each) $ 100 currency manufacturing, distribution, labor force to pay the 10 individuals. Community because of the new value (10 new T-shirt) before going to manufacture money, so
But the reality is cruel. Since the 70s of last century the United States unilaterally from the gold standard, the global monetary one by one to follow, all the world's currencies today are not in-kind support behind the pure reliance on the government to issue the credit. Constraints from the gold currency, the currency can be manufactured entirely delinking economic development, economic good times of course, be printed money, the poor economy to be more to India. At present the world Privileged class to make currency become the big winner, manufacturing, real social workers been severely distorted the world's values. Measure of a person's value, one can not look at this little contribution to society, but one can look at this from a number of social resources to win.
money from the gold standard 30 years, so property price movements over the past 30 years, absolute reference value. Frankly, the future depreciation of the currency rate can fall for 30 years, only 95%, has been very lucky.

3. sooner or later it will raise interest rates
spoke words, that if the family income level. People are known to raise interest rates sooner or later, but only when the key interest rate Zhongping How much capital you have left? Mortgage a good fair few left principal and interest will be proportionately reduced, a good low interest rate environment you can also easily to hundreds of thousands of principal. Even if the interest rate, your actual impact is minimal.
Conclusion: While the number of principal interest rate level, the point will be afraid to raise interest rates!

4. for 30 years, I wrote the House floor, slave
single package, both say people come to it saying no more than primary school grade 6. All the world's bank notes are now down 95% every 30 years the rate of depreciation, in simple terms, the purchasing power of Hong Kong dollars 30 years later, and now the yen is almost to say, today I take HKD 100 million, also to 30 100 million years to change the left yen. Of course, the way you have been contributory, but you will devalue the purchasing power of each contribution, you can disguise the devaluation of the currency to buy assets without depreciation. Imagine what you can use both the net worth of today, take a time machine back to 1980 when you buy both buildings. Therefore, the 30-year contribution period, the contribution of low pressure will be more because of the continuous depreciation of your debts. The first 10 years is the most difficult problems, and money to the middle of the next 10 years can travel for 10 years after the contribution is even lower than the tea money.
Conclusion: The mortgage will be more light

5. Do not buy property can rent for the building pressure
weaken over time, because you devaluation of future money, to also today not to devalue money. But the rent on the contrary, you must use the money to go further at that time was money, that is, when the contribution amount is fixed, rents are rising over time, such as the currency fell 95% every 30 years, the rent will be Similarly to 20 times every 30 years, rising at a rate rise. Of course, this is assuming no interest rate increase. But even with interest rates, also may not rent will have a number of cost increases because the owners will rent the wrong person died. Another problem
rent, you and the owners widening wealth gap, assuming that today you and the owners have a net worth of 100 million, rented a 2-year floor washing left 20 million, 80 million of your net worth into , owners 120 million, 40 million gap, which is half of your current net worth. Of course, you invest in a proper way, can make it 80 million principal amount of more than 40 million, is a separate issue. But if you invest Well, pure to do the tenant, you will enter the market after the car in vain to get funds to serve both the owners. Do not know 5 per cent rental yield knowledge that is Why? If you rent for 20 years or so, send your story building to serve the owners left. Thank you kindly folder.
Conclusion: Young people should live with the grandmother, to save rent costs. 2 people can rent to the world clock.

6. Do not compromise on quality of life for many people not acceptable
old, single floors, Northwest, Well if the car will decrease the quality of life. Let me tell you a cruel fact, if you only buy the capacity of the old buildings, single floors, Northwest, and you talk about the quality of qualifications. If you have employees, they were awake time per day to family survive Do not exceed 6 hours, Younie quality Well quality? Training to the DPRK as early as 11 points, and then first consider the RBI today look back Do not return to the company, then d is called quality.
Conclusion: The talk about the qualifications, the quality of after about

7. speculators pushed up prices
wrong! Actual Well speculators to sell on behalf of peace with the family will let you, some speculators are willing to take the goods, on behalf of speculators vision, estimated level of future property prices, after the first, the purchasing power of speculators. Bought the building will actually have to know to buy better goods bought by speculators and home goods, bargaining disk space than the big users, because speculators do business, namely, a good ROI Wupa little flat and let you sell, but users on the most desirable Do not worry about marriage, but big deal to live more than 2 years before selling. Furthermore, after buying some speculators to sell, stable supply of users into and out of there, speculators will have to reduce prices but sometimes the balance function.
Conclusion: the price on the market voluntarily

8.
urban building strong defensive resilience is dropped when the owners of City's ability to continue to contribute, therefore, the following types of property resilience Will Be Strong:
A large part of the estate owners have for the off (no mortgage stress)
II ; most of the owners of the purchase price is very low (very low pressure for the House)
Third, the owners good money (no income pressure) < br> So, old estates (Class 1), New Territories, down 100 million of property, Mid certain high resilience of luxury, of which the strongest luxury Mid-Levels. The old housing estates such as Tai Koo Shing, Mei Foo Sun Chuen are located in urban areas, it produces the illusion of strong defensive.
weakest resilience following property:
one, is the developer of the first-hand food to make premium
II ; owners are mostly high-income wage earners (in a short time when unemployment is difficult to find the same manual work)
Third, the date of occupation of the property near the blasting < br> These three conditions can occur simultaneously.

9. to hedge foreign currency instead of real estate as a savings tool
QE with the part of the reserve system, a substantial increase in the liquidity of the dollar and other currencies against the U.S. dollar resulting in a significant appreciation. Surrounded by many friends to consider Hong Kong dollar into RMB or appreciation of Australian stroke.
First of all, I am not opposed to the small amount of cash on hand held by Hong Kong dollars into foreign currency hedging depreciation. However, if the hand holding hundreds of thousands to several million dollars, and foreign currency 2, choose one floor, the bricks must be selected in kind.
QE is in the books on the Fed tens of trillions of dollars out of nothing, and its advantages are four:
1. stimulate the U.S. consumer market, unemployment, this is the official explanation
2. with the devaluation repayment of U.S. Treasury bonds after the dollar, by 10, also 7, mosquito mosquito, mosquito net profit of 3
3. weaken the dollar as a reserve of strength of countries, especially the large trade surplus with the United States in countries such as China
4. enhance the competitiveness of their exports, especially agricultural products
evident outside the United States in order to protect the export and the country's overall trade and economic, must be printed on silver paper in order to weaken the currency play. Australian dollars, as the RMB and U.S. dollar banknotes are printed continuously, as far as possible to maintain the current dollar exchange rate, the Australian dollar, the RMB currency in circulation increased, so that domestic price increases, printing of which accused the U.S. of Australian dollar, the RMB and other currencies are constantly printed silver paper, the continuous depreciation is a hard fact that people will have reason Aussie, the feeling of appreciation is due to faster depreciation of U.S. dollar. Any Chinese, Australian people, will feel at this moment in the domestic currency lower and lower purchasing power, inflation put the idea!
Australian dollar, the RMB and other currencies relative to HK in the near future despite a significant increase in large, but relatively in-kind such as property or commodities, the Australian dollar and the RMB also been devalued. The net worth invested in the Australian dollar and the renminbi, but jumped by a pirate ship to another, in the end even if the foreign currency spoils, the purchasing power of the kind will inevitably fall as the rate of increase far exceeds the supply of money in kind production rate. Therefore, I am very opposed to selling properties to buy foreign currency investment approach. But I must stress that people living in the community must have a little cash to buy a lower depreciation rate for hedge the foreign currency I agree. I am opposed to is the foreign currency as a major investment / savings vehicles.
savings instruments used in Hong Kong Renminbi as well as a serious problem, is at 2 million ATM limit restrictions. Even if you are rich, the Hang Seng, Standard Chartered, Bank of East Asia ... ... the other 10 banks to open a RMB account withdrawal or transfer of 100 million still takes five working days. Obviously, on the Hong Kong people, as a large reserve currency RMB is still not feasible.

10. China's richest funds will be analyzed thoroughly from Hong Kong tycoons
Why buy property in Hong Kong to buy shares, to be sure to understand China's national conditions. In China to make a fortune, must be some clock off, the so-called Although these acts is basic business, but the name is illegal. In China who want to make a fortune out of mud without dye, is basically not possible, all people have violated the law, or even that everyone should be illegal. Well aware of China's rich are not the rule of law in China is the rule of man will be afraid that one day they will become a second or Huang Zhou Zhengyi, a sudden raid one day be home, family wealth lost, prison. As long as China is still property, there will likely be fully confiscated, as Paul has been family property, the rich must be outside of the business operation of the money smuggled to the outside (away information is illegal), that is, unfortunately, the future in China, had their homes searched, still bribe money can buy freedom. Otherwise, if a prisoner with nothing, you will never be able to bounce back.
Therefore, China's richest thousands of miles to tens of millions of cash smuggled to Hong Kong to buy shares buy property, you have to put the money back to China he is to his life. Hong Kong is China's richest safe, as long as Hong Kong's legal system remains sound, the Chief Justice is still independent of mainland China, the rich will not leave the funds in Hong Kong. (For reproduction of our compatriots at your own harmony)

added: buy property in Hong Kong's mainland, are not limited to billionaires. According to friends I know first-hand experience of the domestic (100% real Chit, I even have accompanying flat inspection), some net worth of millions of well-off family, for the sake of the child to have Hong Kong ID card, or wants to pursue to avoid Aberdeen On abortion urban management, will in the Northwest, the North to buy cheap property for These students after completion of the mission house, Aberdeen, will remain in Hong Kong, leasing, not selling thorough information, as our compatriots rich and poor, believe that the rule of law in Hong Kong to protect their property ownership. Many complaints to the black people day in fact born in fortunate.

Postscript: City market will punish both the Air wrong people, if you think my point wrong, let the market to punish me, and similarly, if the Air you the wrong city, must be severely punished by the market's psychological preparation. Add that there is no tenant-occupied building, you now being punished by the market, anti-reflection is not your freedom.

Ms. Mao Zedong Jiang Qing's tomb was found
documentary:

looked back, people are born honest, and mania. Xishan, Beijing Futian there was a strange cemetery tombstone, surrounded by flowers with the inscription: . -
2008 reporters to Fukuda for Ching Ming grave cemetery, listening to friends that there is a strange gravestone. Sure enough, a group of ordinary tombstone, the reporter saw a piece of white flowers surrounded by stones, with the inscription: Tomb of Xian Mu Li Yunhe, 1914-1991, daughter, son, outside the Sun Jingli. -

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At first glance, the tombstone with the surrounding no different, ordinary, but why not write erected a monument inscribed name of the person it? This can not help but have doubts. Once again reflect on, is not that Jiang Qing it? Year of birth and death is not nothing bad. -
reporter interviewed immediately and Yangyin Lu Jiang Yan Changgui secretary, confirmed that Jiang is indeed buried in the cemetery Fukuda. -
funeral after the death of Jiang Qing back to Shandong to visit his wills. -
1991 年 5 月 14 日 3 when 30 minutes, nurse found Jiang Qing hanged herself. The set of actors, the wife of Mao Zedong, the Party and state leaders on a woman, life is his 77-year-old on a fixed grid. -
the afternoon, the only daughter of Mao Zedong and Jiang Qing Line to the hospital to sign the notice of death, and agree not to hold any form of funeral. May 18, Jiang Qing, cremation, Lina did not show up, Jiang's relatives are also not present. Jiang's casket kept by the Line, has been kept at home. -
Secretary of Yangyin Lu Jiang recalled : Jiang a will in prison, to death funeral home back to the cities of Shandong Province. 1996 Jiang Yan Changgui to the Secretary of the cities of the time, listening party secretary said this, and let him tell Line: We have the Phoenix cemetery, you can accept Jiang's ashes, could be buried in graves, but also erected a monument. And that man was dead, such as Line consent, without going through the office, we went back to car. Yan Changgui back to the cities of Beijing Municipal Committee, after the meaning of the relay Line. Line that is not the time, and now also a lot of people who hate my mother put there, I can not go to the grave keeper, if smashed, I not even filial it? Yan Changgui told again the views of the cities of Line Party, said: it would respect the Line of disagreements. -
After the Chinese Communists Shiliu Da , jiang zemin said on the Line, not buried back home, right? Not appropriate, if there is anything, and no one take care of. Lina took the opportunity to put forward, it is not buried in Beijing? Obtained consent, Lina Jiang Qing began to organize search cemetery for burial. Line the identity of the bureau-level cadres to retire management of the Central Office of Secretary of the Board. Wang Jingqing his wife, deputy division-level cadres, the army, are not very rich. But as the only daughter of Jiang Qing, to her mother buried, Line out of their pocket to spend five or six million in funeral expenses. -

- Jiang different periods of some of the photographs

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see the tomb of the beam of Jiang Qing's withering rose, felt ......。 -
Jiang, non-comparable normal women, ambition te big trouble themselves and others, what a pity, pathetic.
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Because of you

Tuesday, May 24, 2011

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Thursday, May 19, 2011

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Wednesday, May 11, 2011

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Purchasers of the top ten misconceptions ( Reprinted )

Thursday, May 5, 2011

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Tuesday, May 3, 2011

Monday, May 2, 2011

Jiang Qing