Membeli hartanah subsale

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Sekiranya anda ingin membeli kediaman secara subsale, terdapat beberapa perkara yang harus diambil perhatian. Artikel kali ini akan memfocuskan kepada kediaman pangsapuri kos sederhana. Kenapa? Kerana target adalah golongan berpendapatan sederhana yang biasanya berpendapatan bulanan ~RM3000 dan memiliki kereta. Berikut adalah beberapa perkara yang berbaloi diberikan perhatian:

1)  Tujuan anda membeli hartanah tersebut samada untuk persendirian atau tujuan pelaburan atau kedua-duanya. Untuk setiap tujuan tersebut, terdapat strategi yang tersendiri.

2)   Lokasi kediaman tersebut. Sebenarnya, lokasi adalah perkara subjektiv bergantung terhadap individu.Ada yang membeli kerana dekat dengan tempat kerja, ada yang sukakan kawasan yang tenang dan jauh dari kesesakan, ada juga yang sukakan tempat yang happening. Jika pembelian untuk diri sendiri, ikutlah citarasa sendiri.Akan tetapi jika tujuan pelaburan, adalah penting diambil kira jaringan perhubungan jalan, kemudahan awam, pusat commersial, pengangkutan awam, peluang pekerjaan dan banyak lagi. Akan tetapi jika anda dapat memilikinya all in one, adalah lebih baik dan anda tidak perlu risau dan anda bole gunakan untuk setiap tujuan.

3)   Nilai semasa hartanah tersebut.Hendalah terlebih dahulu membuat survey terhadap harga pasaran dan juga harga kadar sewa semasa .Sebaiknya cuba dapatkan belian yang di bawah harga pasaran atau semurah yang boleh. Bandingkan harga belian tersebut dengan kadar bayaran bulanan dengan kadar sewa semasa. Selalunya unit basic adalah lebih murah berbanding dengan unit yang telah diubahsuai . Jadi, ambilah unit basic tersebut dengan syarat anda tidak perlu melalukan kerja2 baik pulih yang major. Pengubahsuian rumah bole di lakukan kemudian dengan kadar yang murah atau DIY. Dan bole meningkatkan harga hartanah anda.

4)   Umur kediaman tersebut. Pilihlah yang ‘muda’ (biasanya bawah 5 tahun) kerana dalam tempoh masa tersebut, pengurusan masih menjaga rapi, kebersihannya pada tahap yang memuaskan. Lif2 masih beroperasi dengan baik. 

5)    Keadaan sosial. Adakah kawasan tersebut didiami kebanyakkannya oleh keluarga? Atau di sewakan kepada student? Atau di sewakan kepada warga asing? Sangat penting untuk anda mengetahuinya. Seandainya anda ingat tinggal bersama keluarga anda sudah pasti anda tidak mahu berada dalam kelompok warga asing atau student yang banyak. Akan tetapi jika untuk di sewakan, sudah pasti unit anda tidak akan terbiar kosong. Juga perlu tahu tentang aktiviti rukun tetangga atau aktiviti yang mengeratkan hubungan penduduk setempat.

6)   Isu keselamatan. Adakah kawasan itu dikawal pengawal keselamatan? jika Ya, itu adalah factor tambah untuk anda. Isu keselamatan juga ada kaitan dengan penduduk dan keadaan social seperti yang disebutkan di atas.

7)   Kemudahan asas. Adakan kawasan tersebut menyediakan dewan, kedai, taman permainan, pusat sukan, surau dan sebagainya.

Discovering your unique intelligence

I found this article in The Star Online and decided to stick it here in my blog so that i can re-read it while sharing it with others.

In this article, we will be focusing on how to identify your unique skills and talents, or in other words, your unique intelligence. All of us are born with different intelligences. Some of these are inborn, while others are learnt and discovered along life’s journey. There are many different types of intelligence that we possess. You have to find your unique combination and from there, you would be able to know what your unique talents and skills are as well as your strengths and weaknesses.

1. Linguistic Intelligence involves sensitivity to spoken and written language, the ability to learn and use languages to accomplish certain goals. People who have this intelligence are good with words, and it can be either verbal or non-verbal. Writers, poets, lawyers and speakers are among those that have high linguistic intelligence.

2. Interpersonal Intelligence is the ability to understand, negotiate, influence, persuade and communicate effectively with other people. If you have the capacity to understand the intentions, motivations and desires of other people, you probably have this intelligence. Today, it is one of the more sought-after intelligence as people need to work and co-operate with one another. Educators, salespeople, religious and political leaders all have a well-developed interpersonal intelligence.

3. Intrapersonal Intelligence involves the ability to think and analyse. You spend a lot of time reflecting on how you are thinking and feeling. You know your inner self well and are able to appreciate their feelings, fears and motivations. People born with this intelligence tend to dream a lot, self-criticise, breakdown and are able to simplify complicated ideas. This intelligence can be found in psychologists, spiritual leaders and philosophers.

4. Logical-Mathematical Intelligence is the ability to calculate, quantify and carry out mathematical operations. People with this intelligence also have sequence reasoning skills and are able to clearly explain the events that follow the sequence. Are you good at mathematics, able to approach complicated problems by reasoning deductively and thinking logically? Then, you might have found your type of intelligence. This intelligence is most often associated with scientific and mathematical thinking.

5. Physical or Bodily-Kinesthetic Intelligence entails the potential of using one's whole body or parts of the body for physical movement and action. This intelligence involves a sense of timing and the ability to use mental abilities to coordinate bodily movements. Athletes are great examples of people who possess great physical intelligence.

6. Musical Intelligence involves skills in the performance, composition, and appreciation of musical patterns. People with this intelligence have the ability to recognise and compose musical pitches, tones and rhythms.
 

7. Visual or Spatial Intelligence is the ability to see and think in three dimensions, in shapes, forms and patterns. Sailors, pilots, sculptors, painters and architects all exhibit this intelligence. They are fascinated with mazes and jigsaw puzzles, able to draw a map after viewing a place or location once, and able to find their way to the desired location after looking at the map.

8. Entrepreneurial or Street-Smart Intelligence is the ability to spot business opportunities, the courage to take calculated risks and the ability to put the resources together to transform into viable businesses. It is also one of the highest forms of paid intelligences.

9. Financial Intelligence is the ability to make money work for you. People with this intelligence type are able to make informed decisions on what, where and when to invest. They are able to understand the big picture created by changes in the economy and they would know how to take advantage of it.

To be success, you must know your unique combination of intelligence. You should always leverage on your strengths and at the same time, continuously work on improving your weak areas. How far you ultimately go in life does not depend on your strong areas, but how much improvements you can make to your weak areas.

Let’s say, you are great in all areas except that you lack Interpersonal Intelligence as you are a shy and timid person by nature, and you are not comfortable dealing with people. You may be able to analyse and spot great property deals but you will have immense trouble negotiating with agents or sellers to get a better price and getting the various parties such as lawyers and banks to come together to put the deal together.

Later, you will even have trouble finding and dealing with tenants since properties is a people-intensive business. Hence, to succeed in this area, you must work hard on overcoming your weaknesses. The good news is that any skills that you lack or were not born with can be easily learnt through reading books, attending seminars and networking with like-minded people. Another alternative would be to look for a partner who can complement your strengths and weaknesses.

-article by Milan Doshi-