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Thread: 5-10% borrowers over-leveraged on property purchases: MAS

  1. #261
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    Quote Originally Posted by Amber Woods
    ......
    Leeds' article in this forum in Nov 2012; "Is low interest rate the key to asset bubble?" confirmed the situation Singapore is now facing. Spot on!

    http://forums.condosingapore.com/sho...ighlight=Leeds
    .....

    Very good post. sister Leeds should come back here and contribute at this critical juncture.

    I agree with her that it is always the 20% that will bring down the 80%. But many stubborn guniangs in this forum simply refused to see the danger of the overlevergers and keep encouraging them to enter the market.

    The more of these new joker entrants to the market, the riskier my property investment portfolio will get. Hence also my warning to the new entrants. But alas, see what I get in return ? I AM NO LONGER HANDSOME to all but only to a small group in this forum

    I am not creating fear here. I am also not doubting the ability of the new entrant's ability to handle high interest rates. But I suspect the percentage is higher by seeing the recent rush to Jurong area.

    People are biting even with such high psf that is equal or higher than some CCR properties. Yet, did this group rush to buy CCR ? No, they did not. You know the reason why?

    I know...because I am The Illuminated . But I will let you figure.
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  2. #262
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    Dear Highly Respected PM, this year NDP rally:


    I hope you would talk about the danger of over borrowing from the banks. That would be a very very interesting topic. And he can bring up examples of such consequences- That would captivate the audience indeed.

    Or he can keep the speech shorter and invite Mr Khaw or Tharman to speak during the rally. In that manner, PM can rest during the second part and enjoy the rally together with us.

    A FULL 15 mins or more of this portion of the speech ( by PM, Ah Khaw or Tharman) will DRILL THE MESSAGE EFFECTIVELY ACROSS.

    5 mins : PM Introduction and do a bit of explanation on the problem of over borrowing from the banks. Especially the 5% over borrowers. ( remember to show real life examples of asset bubble like Japan,USA or Spain ).

    5 mins: Tharman explains how MAS is tackling the problem of overheating property markets and the Cooling Measures and the logic behind.

    5 mins: Ah Khaw will present the progress of the supply of HDB into the market and how that will keep the asset value of the middle income group safe and keep supply stable.
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  3. #263
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    I am so proud of all the new gen... Very daring, very smart, very courageous... Willing to fail and get up quickly...

    Not like the older gen, so Kia see.... This cannot, that cannot....

    The kid climb up ladder. Straight away shout, be careful, don't fall.... we lau, befor the kid can climb, u already scaring the kid and telling the kid, please don't climb

    imagine mother bird telling baby bird, you cannot fly one lar

    The new generation will bring Singapore to new heights....

    Look at the new Lee, look at Tharman... Can compare with The old guards??? YES... Must thank the old guards for trusting the new guards and not talking the down. Must thank the old guard for not keep saying "don't take risk"... Look at MBS... If they didn't take risk, what would have happened???

    Some old gen here still cannot see the future

    The world just moving too fast for them..... Cannot compete liao....

  4. #264
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    Dear Highly Respected PM, this year NDP rally:


    I hope you would talk about the danger of over borrowing from the banks. That would be a very very interesting topic. And you can bring up examples of such consequences- That would captivate the audience indeed.

    Or you can keep the speech shorter and invite Mr Khaw or Tharman to speak during the rally. In that manner, PM can rest during the second part and enjoy the rally together with us.

    A FULL 15 mins or more of this portion of the speech ( by PM, Ah Khaw or Tharman) will DRILL THE MESSAGE EFFECTIVELY ACROSS .

    5 mins : PM Introduction and do a bit of explanation on the problem of over borrowing from the banks. Especially the 5% over borrowers. ( remember to show real life examples of asset bubble like Japan,USA or Spain ).

    5 mins: Tharman explains how MAS is tackling the problem of overheating property markets and the Cooling Measures and the logic behind.

    5 mins: Ah Khaw will present the progress of the supply of HDB into the market and how that will keep the asset value of the middle income group safe and keep supply stable.
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  5. #265
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    Quote Originally Posted by Sandiwara
    I totally agree with posting above. I already visit and learn a lot of thing from this forums, since 2008. But I never post any thing I just keep reading and learning from all the posting. From the useful knowledge that I get from this forum I decided to buy 4rm HDB 2009. Because of the reading a lot comments from this forum I also manage to upgrade to buy Condo on 2012. I am not bluffing that I only need 3k cash in order for me to be able to upgrade to condo by selling my 4rm HDB. There will always be good Posting and bad posting. I will just to learn from good posting and ignore bad posting.
    Can imagine if u did not take a bold move...
    Well done


  6. #266
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    Dear Highly Respected PM, this year NDP rally:


    I hope you would talk about the danger of over borrowing from the banks. That would be a very very interesting topic. And you can bring up examples of such consequences- That would captivate the audience indeed.

    Or you can keep the speech shorter and invite Mr Khaw or Tharman to speak during the rally. In that manner, PM can rest during the second part and enjoy the rally together with us.

    A FULL 15 mins or more of this portion of the speech ( by PM, Ah Khaw or Tharman) will DRILL THE MESSAGE EFFECTIVELY ACROSS .

    5 mins : PM Introduction and do a bit of explanation on the problem of over borrowing from the banks. Especially the 5% over borrowers. ( remember to show real life examples of asset bubble like Japan,USA or Spain ).

    5 mins: Tharman explains how MAS is tackling the problem of overheating property markets and the Cooling Measures and the logic behind.

    5 mins: Ah Khaw will present the progress of the supply of HDB into the market and how that will keep the asset value of the middle income group safe and keep supply stable.
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  7. #267
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    Wa... The new gen more powerful hor....

    Well done the new gen... Remember, when u earn more, please take care of the older gen hor...

    Quote Originally Posted by chestnut
    My dear bros and sis... Look at the stats and tell me the salary over the past few years.

    http://www.mom.gov.sg/statistics-pub...ngs-wages.aspx

    What do u see???? Increase or decrease???? Got back another 10 years... U will find similar...

    Make your own conclusion...

    Do you see you money to inflate or deflate???

    Remember, as long as you happy, can Liao....

    Some people happy keeping money in pillow cases... Some love to keep im FD. Some like to use it to invest... Some like to use it to buy properties. Some like to use it to buy Ferrari....

    Up to you. As long as u happy can Liao.


  8. #268
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    Dear Highly Respected PM, this year NDP rally:


    I hope you would talk about the danger of over borrowing from the banks. That would be a very very interesting topic. And you can bring up examples of such consequences- That would captivate the audience indeed.

    Or you can keep the speech shorter and invite Mr Khaw or Tharman to speak during the rally. In that manner, PM can rest during the second part and enjoy the rally together with us.


    A FULL 15 mins or more of this portion of the speech ( by PM, Ah Khaw or Tharman) will DRILL THE MESSAGE EFFECTIVELY ACROSS .


    5 mins : PM Introduction and do a bit of explanation on the problem of over borrowing from the banks. Especially the 5% over borrowers. ( remember to show real life examples of asset bubble like Japan,USA or Spain ).

    5 mins: Tharman explains how MAS is tackling the problem of overheating property markets and the Cooling Measures and the logic behind.

    5 mins: Ah Khaw will present the progress of the supply of HDB into the market and how that will keep the asset value of the middle income group safe and keep supply stable.
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  9. #269
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    The new gen - believe in yourself and bring Singapore to the new HEIGHTS. Do not let anyone talk you down!!!!!!!

    BELIEVE IN YOURSELF. SINGAPORE DEPENDS ON YOU

  10. #270
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  11. #271
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    Dear Highly Respected PM, this year NDP rally:


    I hope you would talk about the danger of over borrowing from the banks. That would be a very very interesting topic. And you can bring up examples of such consequences- That would captivate the audience indeed.

    Or you can keep the speech shorter and invite Mr Khaw or Tharman to speak during the rally. In that manner, PM can rest during the second part and enjoy the rally together with us.



    A FULL 15 mins or more of this portion of the speech ( by PM, Ah Khaw or Tharman) will DRILL THE MESSAGE EFFECTIVELY ACROSS .

    5 mins : PM Introduction and do a bit of explanation on the problem of over borrowing from the banks. Especially the 5% over borrowers. ( remember to show real life examples of asset bubble like Japan,USA or Spain ).

    5 mins: Tharman explains how MAS is tackling the problem of overheating property markets and the Cooling Measures and the logic behind.

    5 mins: Ah Khaw will present the progress of the supply of HDB into the market and how that will keep the asset value of the middle income group safe and keep supply stable.
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  12. #272
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    Read the message
    Quote Originally Posted by chestnut

  13. #273
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    BELIEVE IN YOURSELF

    Quote Originally Posted by chestnut
    I am so proud of all the new gen... Very daring, very smart, very courageous... Willing to fail and get up quickly...

    Not like the older gen, so Kia see.... This cannot, that cannot....

    The kid climb up ladder. Straight away shout, be careful, don't fall.... we lau, befor the kid can climb, u already scaring the kid and telling the kid, please don't climb

    imagine mother bird telling baby bird, you cannot fly one lar

    The new generation will bring Singapore to new heights....

    Look at the new Lee, look at Tharman... Can compare with The old guards??? YES... Must thank the old guards for trusting the new guards and not talking the down. Must thank the old guard for not keep saying "don't take risk"... Look at MBS... If they didn't take risk, what would have happened???

    Some old gen here still cannot see the future

    The world just moving too fast for them..... Cannot compete liao....

  14. #274
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    Don't let anyone talk you down.... Remember, you are the next leaders

    Quote Originally Posted by chestnut
    The new gen - believe in yourself and bring Singapore to the new HEIGHTS. Do not let anyone talk you down!!!!!!!

    BELIEVE IN YOURSELF. SINGAPORE DEPENDS ON YOU

  15. #275
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    Dear Highly Respected PM, this year NDP rally:


    I hope you would talk about the danger of over borrowing from the banks. That would be a very very interesting topic. And you can bring up examples of such consequences- That would captivate the audience indeed.

    Or you can keep the speech shorter and invite Mr Khaw or Tharman to speak during the rally. In that manner, PM can rest during the second part and enjoy the rally together with us.

    A FULL 15 mins or more of this portion of the speech ( by PM, Ah Khaw or Tharman) will DRILL THE MESSAGE EFFECTIVELY ACROSS .

    5 mins : PM Introduction and do a bit of explanation on the problem of over borrowing from the banks. Especially the 5% over borrowers. ( remember to show real life examples of asset bubble like Japan,USA or Spain ).

    5 mins: Tharman explains how MAS is tackling the problem of overheating property markets and the Cooling Measures and the logic behind.

    5 mins: Ah Khaw will present the progress of the supply of HDB into the market and how that will keep the asset value of the middle income group safe and keep supply stable.,
    Blackjack21trader's 2014 Celestial Prediction: Year of The Crazy Horses. ( Coming This Fall ) www.sglion.com

    "Not just one horse, but the whole bloody herd of crazy horses ! "- The Illuminati

  16. #276
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    Quote Originally Posted by chestnut
    Don't let anyone talk you down.... Remember, you are the next leaders
    To aim for mediocre or to aim for greatness, the effort is the same, the pain is the same, the time spend is the same. Only the risk is a little different. Welcome to the brave new world, where everybody is as smart as you are. So you have to be faster than the rest.

  17. #277
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    THEY WILL NOT ANNOUNCE ON TV LAR.... THEY WILL JUST IMPLEMENT COOLING MEASURES LAR....
    WE ARE NON A NANNY STATE. HAHAHAHAHAHA


  18. #278
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    THE NEW GEN HAS SPOKEN!!!!!!!
    MOVE ASIDE, THE OLD GEN...... MAKE WAY FOR THE NEW GEN.
    Quote Originally Posted by indomie
    To aim for mediocre or to aim for greatness, the effort is the same, the pain is the same, the time spend is the same. Only the risk is a little different. Welcome to the brave new world, where everybody is as smart as you are. So you have to be faster than the rest.

  19. #279
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    To be successful inline, you need to have a positive thinking brain....

    http://www.drewiaconis.com/2013/04/0...e-in-business/


    1. Get and Stay Out of Your Comfort Zone…

    Not much happens of any significance when we’re in our comfort zone. “Opportunities are given as they are taken.”

    *

    2. Never Give Up…

    Almost nothing works the first time it’s attempted. Just because what you’re doing does not seem to be working, doesn’t mean it will never work. It just means that it might not work the way you’re doing it. If success was easy, everyone would be doing it, and you wouldn’t have an opportunity.

    *

    3. When You’re Ready to Quit, You’re Closer Than You Think…

    There is an old Chinese saying along the lines of, “The temptation to quit will be greatest just before you are about to succeed.”

    *

    4.*With Regard to Whatever Worries You, Not only Accept the Worst Thing That Could Happen, but Make it a Point to Quantify What the Worst Thing Could Be…

    Very seldom will the worst consequence be anywhere near as bad as a cloud of “undefined consequences.”

    *

    5.*Focus and Have a Clear Intention On What You Want to Have Happen…

    Remember that old saying that is spoken*though out*history, “As you think, so shall you be.”

    *

    6.*Take Things a Day at a Time…

    No matter how difficult your situation is, you can get through it if you don’t look too far into the future. Always focus on the present moment. The here and now. You can get through anything one day at a time.

    *

    7. *Always be Moving Forward…

    Never stop investing. Never stop improving. Never stop doing something new. The moment you stop improving your organization, it starts to die. Make it your goal to be better each and every day, in some small way. Small daily improvements eventually result in huge advantages.

    *

    8.*Measure Everything of Significance…

    Anything that is measured and watched, improves.

    *

    9.*Anything that is not managed will deteriorate…

    If you want to uncover problems you don’t know about, take a few moments and look closely at the areas you haven’t examined for a while. I guarantee you problems will be there.

    *

    10.*Never expect life to be fair…

    Life isn’t fair. You make your own breaks. You’ll be doing good if the only meaning fair has to you, is something that you pay when you get on a bus.

    *

    11.*Solve your own problems…

    You’ll find that by coming up with your own solutions, you’ll develop a competitive edge.

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