快樂牛郎

So it's not 易上車 or 難上車. To me, it's just 唔低買. In such light, the topic of the thread already seemed to be skewed towards the side that "one must buy a place, it's either u can afford it or not afford it". Which IMO is just very narrow visioned, biased and simply incorrect.

Yep.  Buying a place (maybe a smaller one) is easy, but I wouldn't want to do it.

And whoever said that houses will ALWAYS appreciate in 30 years, I bet you were looking at the past 30 years as a reference.  But how much have things changed in the last 30 years? In fact, do we even know there will be enough resources to last for another 30 years?

fibbi

我同事都係咁，前幾年樓價低嗰時買Shaw tower樓花，住咗一陣就賣，跟住喺surrey買house，過兩年又換，而家仲買地起屋添。好似仲有個downtown樓收緊租。個男嘅都係40K income，太太係護士。
閒閒哋宜家幾十萬身家啦。

fibbi

回復 181# 快樂牛郎


    咁咩analysis都係睇past trend架啦。你又難保next 30 年啲樓一定會跌？不過，我明嘅，你對投資有研究嘅，梗係覺得自己投資嘅回報可以大過層樓嘅回報啦。

大C姐

Yep.  Buying a place (maybe a smaller one) is easy, but I wouldn't want to do it.

And whoever sai ...
快樂牛郎 發表於 2010-7-16 22:08

   你唔係第一次發表類似言論﹐我身邊都好多"小朋友"好鍾意make呢類argument﹐大部份人都係想今朝有酒今朝醉。

若然講到"30年後係咩世界都唔知啦"﹐就係因為唔知先要買保險。當然無人話升緊﹐但係30年後都怕且供完啦卦? 就算無收入﹐都有間屋住唔洗訓街呀? 呢個係做人基本需要﹐唔係luxury。

OK﹐你可以話你去投資﹐將D錢放去其他地方。咁我想問﹐有咩investment保證你30年後一定升? 匯豐上年都保唔住啦﹐如果你咁岩係上年退休又點算呀?

唔好講30年﹐10年後如果租金係而家3倍﹐你點租呀? 如果你今日買樓﹐你都可以forecast到你大概資出﹐租樓真係無10年contract你簽啵。

你成日話30年後世界末日咁﹐如果咩事都無你又死唔去咁點? 唔通你因為後生無好好儲錢而走去自殺?


-- 好命C

fibbi

回復 184# 大C姐


    agree. If I were in a position that i need to move out and on my own, I would definitely save up for a house, I wouldn't mind 勒緊褲頭 in order to purchase a  property at all.

快樂牛郎

回復  快樂牛郎

    咁咩analysis都係睇past trend架啦。你又難保next 30 年啲樓一定會跌？不過，我明嘅，你對投資有研究嘅，梗係覺得自己投資嘅回報可以大過層樓嘅回報啦。

Actually, I also don't believe that you can achieve better returns on other risky assets.  But in fact, maybe a lot of you don't realize, yourself is the biggest investment you can ever make.  If you keep yourself valuable to employers, or if you are smart enough to succeed in a business, why do you need to worry about not having enough money to retire?

快樂牛郎

若然講到"30年後係咩世界都唔知啦"﹐就係因為唔知先要買保險。當然無人話升緊﹐但係30年後都怕且供完啦卦? 就算無收入﹐都有間屋住唔洗訓街呀? 呢個係做人基本需要﹐唔係luxury。

If you really treat your home as an "insurance", then it's totally fine.  But a lot of people, especially those in HK it seems, treat their home as an "investment".  Then for all investments, of course you would demand a reasonable return.  I don't think properties in Vancouver can give you that return at the current moment.

快樂牛郎

The only thing I am really concerned with is how to make sure that I can make money consistently, either by having a job or through other means.  I just see other kinds of investments like stocks as a past-time and learning experience.

fibbi

回復 186# 快樂牛郎


    Because there are always "意外" in life. 一場金融風暴，執咗幾多公司？The whole company folded wor... even though you are good employee...can't avoid la...
Job hunting...luck is a factor too..

大C姐

回復  大C姐


    agree. If I were in a position that i need to move out and on my own, I would def ...
fibbi 發表於 2010-7-16 22:25

我明金融世界係好誘惑...你估我唔知咩? 我...都....識少少架........

就係因為我識﹐先知買股票只係數字﹐唔係實物。有咩冬瓜豆腐股票可以變廢紙﹐有實物點都係實在D。有多餘錢去投資係extra﹐唔應該將生活基本所需犧牲去投資賺錢。