大C姐

The only thing I am really concerned with is how to make sure that I can make money consistently, ei ...
快樂牛郎 發表於 2010-7-16 22:29

    我估你好細個囉。你都未眼巴巴經歷過咩係生老病死...

我當然明你要invest in yourself﹐但係同買唔買樓無衝突。但係有D嘢你計唔到﹐你無左隻手﹐或者病一年做唔到嘢咁點? 講近D﹐你做果行有朝一日被徒汰﹐你又可以點? 人係會老﹐人係會病﹐人最多只可以為將來籌謀。若然你今日賺10萬洗10萬﹐你將來一定好痛苦......

大C姐

回復 191# Catpiano


    但係又咁講﹐如果無賺最多自己住﹐因為D樓好平。老實講佢哋兩份人工少極加埋都有$70K﹐要供一個$200K樓下mortgage有幾難? 都係千幾一個月。

大C姐

我又好同意
股票真係等同廢紙
but land/property is not without risk either.
只可以講nothing is witho ...
快樂牛郎 發表於 2010-7-16 22:34

    我唔係講炒樓﹐但係一般買樓點會唔賺呢? 你唔賣都一定賺住啦。人點都要住﹐住點都要錢﹐你唔買要租﹐你唔租要同屋企人住﹐屋企人都要預多間房﹐唔可以換細D屋套現退休啦.....

大C姐

Note, if you really want to invest in yourself, you shouldn't think of yourself as an employee of ...
快樂牛郎 發表於 2010-7-16 22:36

    都好岩﹐多張刀係多個機會﹐但係都係人一個﹐唔係超人﹐都會有意外。

有層樓﹐你可以relatively低息refinance套現醫病。呢D case真係每日發生﹐如果靠股票都唔係唔得﹐但係風險又高D又可能蝕囉。

大C姐

"我唔係講炒樓﹐但係一般買樓點會唔賺呢? 你唔賣都一定賺住啦。人點都要住﹐住點都要錢﹐你唔買要租﹐你唔 ...
fibbi 發表於 2010-7-16 22:48

    嘩﹐你咁樣斜角影射我老? 好陰毒姐。

大C姐

No opportunity cost? No depreciation (especially if you own a condo)?
快樂牛郎 發表於 2010-7-16 22:50

    所以住幾年都可能要換樓架﹐但係長遠都係平過租。你個業主如果裝修貴過你份租都賣左層樓啦﹗

大C姐

I wouldn't say that we "don't like to" listen, it's just that this DOESN'T work
快樂牛郎 發表於 2010-7-16 22:52

我又唔見得你講果D好work啵......

老實講﹐邊個唔勞力做嘢唧? 個個都想就身刀﹐但係一日24小時﹐你做到兩份工三份工咩?

你自學﹐你話你識﹐但係你無工作經驗又有人信你咩?
   

大C姐

回復  快樂牛郎


    點講呢？如果學咗整車，都難保一日可能整車大部份由robot做喎。間屋供滿咗就係自己 ...
fibbi 發表於 2010-7-16 22:44

    學海無崖的故事(硬tag)都講過﹐有時真係防不勝防﹐讀極都追唔上。到你讀到原來其他人都讀到﹐個competition又係一樣。

用返之前牛朗個example﹐你估整車無competition咩? 人哋唔會理你之前渣車經驗﹐如果你無整車工作經驗﹐都可以好難揾食。

大C姐

自住就絕對ok
不過我4年住3個地方
買屋絕對唔適合我
快樂牛郎 發表於 2010-7-16 23:01

   
呢個籍口我buy﹐如果你真係每年都走﹐你可以為方便唔買樓。但係呢個係個別例子囉。

大C姐

Let me be more specific.  In order for house prices to continue to appreciate quickly, some or all o ...
快樂牛郎 發表於 2010-7-16 22:59

    呢個係以經濟角度去諗唧﹐都OK﹐我又用呢個角度去諗。

若然我而家afford到一層樓但係唔買﹐因為正如你所講﹐長遠樓價會跌﹐所以等到再平先買。但係都係去返同一個問題﹐你租都要錢架啦。你每個都要俾一舊錢﹐你要租幾耐先買? 你所講嘅因素都絕對有文有路﹐但係你估唔到邊一朝一日會突然跌呀嘛。

當樓價開始跌﹐低處未算低﹐你點知幾時hit rock bottom?

所以經濟角度唔可行係因為現實無perfect competition﹐所有係based on theory囉。



我又唔反對人買金既... 好保守囉。