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ilsb | Joined since 2012-09-08

Investing Experience Not Disclosed
Risk Profile Moderate

As a South African living in Japan, www.instagram.com/ilsb/, I am married to a Malaysian husband. I am a practicing cooking in my free time.

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News & Blogs

2018-11-18 11:26 | Report Abuse

AA India not profitable lah.

Even Maxis taukeh bankrupt in India with his Aircel company.

Stock

2018-11-18 06:51 | Report Abuse

kyy out of Lion...went to toyoink, that is why Lion no up anymore...

Stock

2018-11-17 16:46 | Report Abuse

Wah, Kyy went out of Lion, goreng Toyo ink...wah Canteklah.

News & Blogs

2018-11-17 16:25 | Report Abuse

I believe in this universal principal: Nothing in this world is free of charge, accept given by your parents to you.

Do u think, the developer first thinking is how to help 1st time housebuyer? No,... Devoloper first priority is to sell all his unsold houses to rakyat lah.

News & Blogs

2018-11-17 10:17 | Report Abuse

Goldman thought nobody will know, so they dare to eat MDB money kawkaw.

Stock

2018-11-16 18:50 | Report Abuse

this wind of change for Lion up up up, have to wait.

BCos of China & US are in downtrend.

sad, no luck to Lion.

If up to 80¢ I will sell all to the buyer & say byebye to Lion.

Lion is not strong, it is a small meow cat.

Khatu can make Lion strong again?

Stock

2018-11-14 20:45 | Report Abuse

KUALA LUMPUR: The government did not introduce capital gains tax on shares and other taxes on the wealthy in order to prevent capital flight from Malaysia, said Lim Guan Eng.

The Finance Minister said that such a move would be a “shock to the system”, which would hinder Malaysia’s fiscal and financial recovery.

He noted that the Tax Reform Committee had advised against the move over concerns expressed by Bank Negara Malaysia (BNM) and the Securities Commission (SC) on its negative repercussions on the country’s capital and financial markets.

“If that move was done in the present challenging fiscal environment, it would be a shock on the capital and financial markets.

“Bank Negara and the Securities Commission opposed the move such as introducing capital gains tax on shares and inheritance tax, as the revenue (to government) would not commiserate with the loss from the massive capital flight that may occur,” he said.

Lim was answering a supplementary question from Hassan Abdul Karim (PH-PKR-Pasir Gudang) on why the current and past governments seemed afraid to tax the rich via capital gains tax on shares and inheritance tax, among others.

During the Questions for Oral Answers session, Lim pointed out that the move was not implemented in order to safeguard Malaysia’s competitiveness in the capital and financial markets.

He noted that neighbouring countries has no such forms of taxes such as capital gains tax on shares.

“We must not get too carried away to the extent that it shocks the system. That is why the government foresees three years to tackle overall deficit and not immediately.

“If it (taxation) is done too suddenly, the system would be in a state of shock. That would jeopardise fiscal and financial recovery (of Malaysia).

“We need to get back on track, ensure Malaysia is free from kleptocracy and it (Malaysia) recovers to become a normal democracy,” he said.

Stock

2018-11-14 20:10 | Report Abuse

///Posted by SuperPanda > Nov 14, 2018 07:01 PM | Report Abuse
i will buy bck 65c


Posted by SuperPanda > Nov 14, 2018 07:02 PM | Report Abuse
then re-post hbi article by futureeyes///



SuperPanda is the new promoter... After he bought, then only he promotes Lion so that he gets fat profits for other bilis.

Beware of SuperPanda

Stock

2018-11-14 20:07 | Report Abuse

SuperPanda is the new promoter... After he bought, then only he promotes Lion so that he gets fat profits for other bilis.

Beware of SuperPanda

News & Blogs

2018-11-12 19:26 | Report Abuse

Chinese Communists are hard working but Americans are more creative...who will win.

In the end, creativity will make a nation who embrace it wins hands down.

News & Blogs

2018-11-12 18:56 | Report Abuse

So, between the samseng US & Ah Long China, whic one do we prefer???
I think, I prefer Ah Long China...at least we hv money to spend... kikiki

News & Blogs

2018-11-12 18:45 | Report Abuse

If everything failed, US will launch war against China, since US still has military upper hand. Bad for the world, if this scenario played out...

Stock

2018-11-12 18:06 | Report Abuse

///Posted by apple168 > Nov 12, 2018 05:55 PM | Report Abuse

Gamuda from 5 to 3.5 and then 2.3...
TM 5 to 3.5 and then 2.3...
GenM 5 to 3.6 and then 2.3...
Let’s see...///



Apple168, why all three tp= 2.3???

News & Blogs

2018-11-12 17:30 | Report Abuse

Icons888 Sifu,
This is a poker game (US vs China).
See who blink their eyes first...
see whic country can endure pain the longest.

Stock

2018-11-12 16:52 | Report Abuse

Come on, up up up for us to sell...

Stock

2018-11-11 12:48 | Report Abuse

Durian king: so what Tp will u buy kesm?


hstha said Rm 5, he is God kah, can predict will go to Rm 5?

kikikikiki

Stock

2018-11-11 12:32 | Report Abuse

Rm9 kambing soon

News & Blogs

2018-11-11 09:58 | Report Abuse

Paradigm shift: It is better to buy & own cheap or cheaper assets (like car, house, handfon & etc), than renting.

If you sell them later, at least they are depreciating not a lot like when you are buying expensive assets.

Renting is more expensive in the long run. And you can be chased out anytime the landlord want to take back assets.

News & Blogs

2018-11-11 09:32 | Report Abuse

///Hush77:- Mobile home + 24 hour gym membership to take shower..
11/11/2018 00:03 ///



And let the theives steal your mobile home becos it is movable. Hahahahaha

Stock

2018-11-11 09:13 | Report Abuse

money stuck here...help... if up, must sell all out of Lion.

kyy sold all Lions.
No hope alredi...

The only way, if up, I must sell all Lions.
Sad

Stock

2018-11-09 19:56 | Report Abuse

K why why out of Lion alredi, that's why Lion no up up now.

Sad, vry sad

Khatulistiwa, ask your Rossa to up up this Lion???

News & Blogs

2018-11-09 12:38 | Report Abuse

the National House Buyers Association (HBA) has said that Malaysia needs to address its house prices that are unaffordable for many Malaysians instead of focusing on alternative financing methods.

Stock

2018-11-09 11:31 | Report Abuse

no power up...

so sad

Stock

2018-11-08 17:59 | Report Abuse

Airasia no use Boeing 737 MAX... AA uses Airbus lah.

safe to buy AA lah

Tomoro buy AA banyak banyak...

News & Blogs

2018-11-08 14:00 | Report Abuse

FundMyHome could lead to subprime crisis without care, property advisory firm warns
Author: savemalaysia | Publish date: Thu, 8 Nov 2018, 12:23 PM

KUALA LUMPUR, Nov 8 ― The government’s introduction of crowdfunding platforms like FundMyHome as an alternative home financing solution to banks is laudable, property consultancy Knight Frank Malaysia said today.

However, it advised the authorities to be vigilant in checking the profiles of first time home buyers and fund managers to ensure the mortgage crisis that hit the US over too-easy lending does not happen in Malaysia.

"The availability of Property Crowdfunding platforms will make property more accessible for first-time homebuyers who may not easily qualify for bank loans.

“However, there is concern that this may fuel overly lenient lending policies, potentially leading to future subprime situation, a lesson drawn from the United States where homebuyers with inadequate financial capacities were able to secure mortgages,” Knight Frank Malaysia managing director Sarkunan Subramaniam said in a statement.

He urged the Securities Commission especially to be watchful of such crowdfunding platform managers who may be tempted to build up their portfolios too quickly by lending to first-time home buyers with compromised financial credibility as they may not be able to repay their loans later.

Such a scenario could disrupt the property crowdfunding platforms, he added.

“Subsequently, the funds’ portfolios shall be reviewed regularly to ensure that the investors’ investments are secured,” Sarkunan advised.

The crowdfunding platform initiative was announced by Finance Minister Lim Guan Eng during Budget 2019 last Friday and aims to help Malaysians who have been struggling to buy their first property through peer-to-peer money lending.

Prime Minister Tun Dr Mahathir Mohamad launched the first such platform called FundMyHome last Sunday.

News & Blogs

2018-11-08 08:56 | Report Abuse

one Zimbabwe money note of 1 billion, Alex enough to pay for your sapEnergy

News & Blogs

2018-11-08 08:55 | Report Abuse

Alex, I pay for you using Zimbabwe money... Kikiki

News & Blogs

2018-11-07 16:10 | Report Abuse

P2P fundmyhome lends money to those house buyer who can't get bank loan...

But in the first place, Bank doesn't dare to give loan to those not qualified but u, investor dare to give loan in P2P housing scheme...

U are sure, going to be richer than bank very soon. Hahahahaha

News & Blogs

2018-11-06 17:40 | Report Abuse

Ahyaaa, those support P2P scheme to own house, don't talk only...

go to apply & buy a house using p2p scheme. Full stop. After 5 years, come to i3 to report Your p2p house story...

Like that bolehkah for P2P house supporter???

News & Blogs

2018-11-06 17:37 | Report Abuse

Ahyaaa, those support P2P scheme to own house, don't talk only...

go to apply & buy a house using p2p scheme. Full stop. After 5 years, come to i3 to report Your p2p house story...

Like that bolehkah for P2P house supporter???

Stock

2018-11-06 09:24 | Report Abuse

///Posted by Wow123 > Nov 6, 2018 09:01 AM | Report Abuse

Right issues again so fast fund finished conman business. ///


memang Con business sanichi...
too late to know... Sad

News & Blogs

2018-11-06 09:15 | Report Abuse

If this p2p financing for Fund My Home is viable, USA & other developed countries long ago alredi implement it. Do you think Msia is more genius than USA?

News & Blogs

2018-11-06 09:14 | Report Abuse

If this p2p financing for Fund My Home is viable, USA & other developed countries long ago alredi implement it. Do you think Msia is more genius than USA?

News & Blogs

2018-11-06 00:44 | Report Abuse

///Posted by qqq3 > Nov 6, 2018 12:26 AM | Report Abuse

ted by pussycats > Nov 6, 2018 12:20 AM | Report Abuse

This is like Department store increases the price of items to 20% before giving discount of 20% during promotion or cheap sales time.
=============

not true...buyers are supposed to have a brain....buyers buy only if they are happy with the price. ///


qqq3, no true buyers know everything.

One of my friend who is a developer told me he can initially increased the price of house by 20% and put that price in the house launching price. He told me, if he were to participate in fund my house scheme, he is willing to risk 20% in this scheme. Why? because he told me he already added in 20% price increase in the launching house price initially.

qqq3, don't be so naive. Developers are smart people la.

News & Blogs

2018-11-06 00:34 | Report Abuse

///Posted by qqq3 > Nov 6, 2018 12:23 AM | Report Abuse

for home owners...20% down, no need to worry about installments for 5 years, and chance to gain from property appreciation
for investors....u get 5% yield and chance to gain from property appreciation
for developers...greatly expand the market., immediate sales

presently, a lot of potential buyers cannot get bank loans....this problem solved as buyers no need to get bank loans....///


qqq3, you are only looking at the bright side.

what if the house never went up after 5 years???

News & Blogs

2018-11-06 00:25 | Report Abuse

///Jay >>>I have updated the scheme after studying more. Now I figure out the developers' game plan which is to give effective 20% discount (by using buyers' money) to get investors to fund the 80% for returns. Best still, they even get to participate in the first 20% capital appreciation.

So developers get to sell inventory, get cash and potential capital appreciation to recoup rebate/discount and zero downside, while investors get returns plus potential capital appreciation with limited downside (most borne by buyers). It's the buyers that get the raw deal as depreciation will hit their capital while appreciation will mean higher refinancing cost. And ultimately it depends on their eligibility of a mortgage loan in 5 years' time ///

News & Blogs

2018-11-06 00:20 | Report Abuse

///Sslee>>> Dear all,
This is not a house ownership schemes but a 5 year term investment. The Buyer and Investor put in 20% and 80% to FundMyHome.com. FundMyHomes will paid developer 80% and retain ownership of the house and the 20% sum for management and paying the yearly 5% to Investor for 5 year. Meanwhile Buyer can rent out the house and collect rental or stay in the house. After 5 years the house is up for resale.
1. Must appreciate by 20% for the developer to recoup his 20% and Buyer and Investor to recoup their initial investment sum.
2. Zero appreciation developer lost the 20% and Buyer and Investor to recoup their initial investment sum.
3. Minus 20%. Developer and Buyer lost the 20% but investor recoup the initial investment sum
4. Minus > 20%. Developer and Buyer lost the 20% and investor got paid only what is the house resale value.
5. Appreciate above 20%. Developer to recoup his 20% and Buyer and Investor to recoup their initial investment sum plus the surplus (the % above the 20%) in 20: 80 split.

At the end the Fundmyhome is sure to make money from the 20% sum received at the beginning of 5 years and can use this money for investment with their only liability of paying 5% interest on 80% sum to investor for 5 year.

The problems are at the end of 5 years can that house be resold? What will happen if the house cannot be resold for many years? If the first priority of the resold is to the buyer then who will determine the valuation of the house?

Thank you
05/11/2018 21:11 ///


Just look at conditions no. 1 to 5 above, do you want to invest?

Developer only lost 20% in conditions no.2, no. 3 & no. 4 & make money in condition no. 5 above.

Developer lost 20% money meh in conditions no.2, no. 3 & no. 4 ??? The answer is No. Developer never lost 20% of his shares in fundmyhouse program.
Why?
Bcos developer can initially increased the price by 20% before selling the house to the investor or buyer in fundmyhouse program. Developer sure win in this fund my house program. Don't be fooled by clever developer in fundmyhouse scheme.

This is like Department store increases the price of items to 20% before giving discount of 20% during promotion or cheap sales time.

News & Blogs

2018-11-06 00:17 | Report Abuse

///Sslee>>> Dear all,
This is not a house ownership schemes but a 5 year term investment. The Buyer and Investor put in 20% and 80% to FundMyHome.com. FundMyHomes will paid developer 80% and retain ownership of the house and the 20% sum for management and paying the yearly 5% to Investor for 5 year. Meanwhile Buyer can rent out the house and collect rental or stay in the house. After 5 years the house is up for resale.
1. Must appreciate by 20% for the developer to recoup his 20% and Buyer and Investor to recoup their initial investment sum.
2. Zero appreciation developer lost the 20% and Buyer and Investor to recoup their initial investment sum.
3. Minus 20%. Developer and Buyer lost the 20% but investor recoup the initial investment sum
4. Minus > 20%. Developer and Buyer lost the 20% and investor got paid only what is the house resale value.
5. Appreciate above 20%. Developer to recoup his 20% and Buyer and Investor to recoup their initial investment sum plus the surplus (the % above the 20%) in 20: 80 split.

At the end the Fundmyhome is sure to make money from the 20% sum received at the beginning of 5 years and can use this money for investment with their only liability of paying 5% interest on 80% sum to investor for 5 year.

The problems are at the end of 5 years can that house be resold? What will happen if the house cannot be resold for many years? If the first priority of the resold is to the buyer then who will determine the valuation of the house?

Thank you
05/11/2018 21:11 ///


Just look at conditions no. 1 to 5 above, do you want to invest?

Developer only lost 20% in conditions no.2, no. 3 & no. 4 & make money in condition no. 5 above.

Developer lost 20% money meh in conditions no.2, no. 3 & no. 4 ??? The answer is No. Developer never lost 20% of his shares in fundmyhouse program.
Why?
Bcos developer can initially increased the price by 20% before selling the house to the investor or buyer in fundmyhouse program. Developer sure win in this fund my house program. Don't be fooled by clever developer in fundmyhouse scheme.

This is like Department store increases the price of items to 20% before giving discount of 20% during promotion or cheap sales time.

News & Blogs

2018-11-05 20:13 | Report Abuse

To make it as simple as possible, I just ask you all the simple questions below.


Can anyone crowdfunding education of my kids?
Assuming the percentage are the same as above.

If my kids get job, they will pay all the rest of loans.

Investors only risk burning all their money if my kids failed in their exams.



Do you get what I mean?
If you will never going to crowdfunding for my kids education, what more to say, you want to crowdfunding buyers in house purchasing? The concept are exactly the same.

News & Blogs

2018-11-05 20:10 | Report Abuse

Can anyone crowdfunding education of my kids?
Assuming the percentage are the same as above.

If my kids get job, they will pay all the rest of loans.

Investors only risk burning all their money if my kids failed in their exams.



Do you get what I mean?
If you will never going to crowdfunding for my kids education, what more to say, you want to crowdfunding buyers in house purchasing? The concept is exactly the same.

News & Blogs

2018-11-05 20:05 | Report Abuse

Can anyone crowdfunding education of my kids?
Assuming the percentage are the same as above.

If my kids get job, they will pay all the rest of loans.

Investors only risk burning all their money if my kids failed in their exams.

Stock

2018-11-05 16:56 | Report Abuse

Susah naik lo...

How?

Stock

2018-11-05 13:02 | Report Abuse

Bcos budget 2019 no many goodies lah

Stock
News & Blogs

2018-11-04 21:38 | Report Abuse

Dr M to discuss Samurai bond issuance with Abe during visit to Japan, envoy says - Nov 04, 2018

News & Blogs

2018-11-04 18:31 | Report Abuse

Now, we know the true color of k why why...

in i3 his advice is a question mark with full of ulterior motives for self gains.

You all don't believe me...now u see how he hentam Sultan Perak bcos he accused he was dismissed by Sultan as an advisor of Perak Gov.

I long time alredi saw he will be demoted from being an advisor of Perak Gov bcos of his arrogance in i3...
Now not only in i3 he has bad name... his name is also bad in whole of Msia now.