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In this episode, we will address a question from a concerned sister about her sibling being in a crossroad between business and property.   

Well honestly this is not really a property related question but I guess I'll just try my best to share my thought process. Ultimately the metric to measure life should not only be money, but also happiness. That would be the main reasoning to her decision making process.   

However, it's always better to take risk when we are younger=)

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In this episode, we will address a question from a young audience who has intention in purchasing a home.   

I like the effort in finding out the amount of loan he can apply for, and what type of properties he can get within his budget. That's admirable.  

However, I would recommend to switch the intent of buying. Instead of looking for a home, I would suggest to change the consideration of buying. Flexibility should be the main focus for the first property at such a young age.

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Link to investment company : Link to register: https://far.academy/cisfar  

Use the code: IHERNG as referral to join my team.   

In this episode, we will address a question about how to allocate a RM 7mil net worth investment portfolio. But to me, instead of discussion investment with a millionaire, I've decided to talk about pursuing passion and turning it into a 2nd career.   

After striving the first half of his life with a result of RM 7mil in investment, maybe it's now to develop further in finding his calling.

In this episode, we will discuss about this audience who plans to shift his career from an ID contractor to a real estate agent.  

First of all, the stigma of professions are just not cool. It's so convenient to just carry certain perspective and lay onto them. But I always believe there will be good doctor, and bad doctor. Same goes to good agent, bad agent.  

Then many do not see the true jobscope of being an agent. It's definitely more than just opening the door and show the unit. Works such as marketing, sales, personal finance and etc are also important elements.  

But the most important question would be to figure out what's your intention. Is it for money? Or freedom? If it's just to change the industry, there are many other ways to achieve that.

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In this episode, we will visit the topic of refinancing again. I think it's all good to maximize the loan facilities you have provided you create more wealth with it.  Also with the low interest rate right now, it's becomes a great opportunity for it to be used as capital within a business context.  However, it's a still a form of loan. In other words, it's future money and we will still need to pay for interest on it. So be mindful on how to use the money after applying for refinancing.

In this episode, it's not that usual real estate related question again. But I'll do my best.  

Speaking from a content creator to another, I was sharing my experience in trying to figure out adulthood. When you move out and live by yourself, there'll be this reality check on how expensive things are. Rent, living expenses, food, insurance, tools and etc. Then how do you manage energy and time between chores, work, and your side hustle.  

As a creator as well, this is one of the best time to build your presence and business. Technology is also on our side, so please invest lots of time in understanding them.  Anyway, it's very unfortunate that none of these are taught in school. Not many parents share this with their children as well.

In this episode, we will discuss about the scenario that this audience is in. They are gearing up themselves for more property purchases and it's just inspiring. As much as we are being influenced by the media, we need to really be mindful what are we consuming as those will form our believe.   

Anyway, one of the easier way to build portfolio would be to leverage on our existing financial infrastructure. After you buy your first property, you can use that SPA to withdraw either 10% of your SPA value or everything in your account 2 in EPF. Then you use that capital in getting the next one. In no time, you'll have 2 properties already.   

However, only withdraw out the money if you're gonna invest with it because by not withdrawing, you're gonna enjoy a 6% interest on it. So be mindful!!

Link to website : www.petakpetak.com.my  

After discussing about this last month, finally the website is ready. This is a platform where it connects buyers together so we get to negotiate for a better price from the developers.   

This was inspired by the fact individual buyers are having the worst experience when they shop alone. It's very unfortunate that they will be paying the highest price at the sales gallery, unless you're a VVIP, family and friends, or a member of a bulk purchasing group.   

By doing so, every buyers will get to save a little more and we foresee that amount to be around 2-3% extra from whatever price they got. Of course the more buyers, the more negotiation power we will have.   

Anyway, this is again one of my crazy attempt in trying to change the industry. Do check out the website guys!!

Link to getting your own solar system: https://www.plusxnergy.com 

After our virtual discussion during the lockdown, Fax and his team finally came out with the model where ordinary household gets to harvest our own solar energy. As this technology has not always been accessibility due to it's technology scarcity, which leads to the high acquisition cost.   

Now with the new rent-to-own model, we get to slowly pay off a technology for the first 5 years then enjoy the savings for the remaining 20 years. As an enthusiast in clean energy, I'm already in the process of getting one set for the house I'm living in right now.    

Well energy cost is only gonna go up, so do consider if you're living in a landed house =)

In this episode, an audience shared about his investment which is dropping in value and what should he do?  

Before buying a property, I always advocate that we should always check 2 data, one is the rental rates. The other would be the past transacted price. These will allow us to determine whatever we are buying is within market price or not.  

However, now there's 2 ways. One is to stay yourself. Another would be to cut losses if you want to stop bleeding for that property. To wait for economy to bounce back so you'll get back your value is too uncertain in my opinion.