Tuesday, February 21, 2012

Masalah rumah lelong

Suasana di lelongan awam CIMB yang diadakan baru2 ini

Selalunya kita dengar ramai orang yang buat duit dengan pelaburan hartanah lelong. Bila dah banyak cerita sebegini, maka makin ramai orang yang berpusu2 untuk turut serta dalam pelaburan rumah lelong dengan harapan mereka juga dapat membuat keuntungan.

Kesannya maka terjadilah banyak kes di mana rumah lelong dibida sehingga hampir dengan harga pasaran. Malah ada juga yang naik melepasi harga pasaran.

Bila jadi macam ni, saya hanya mampu menggeleng kepala. Jika kita beli rumah lebih dari harga pasaran menerusi proses lelongan, apa tujuan kita beli rumah lelong? kan lebih baik beli rumah subsale sahaja?

Kemudian, jika terjadi kisah seperti yang di bawah ni, agak2 apa yang anda akan lakukan?

(sumber : forum bicarajutawan)


Nak cerita panjang aku tak reti..

Aku ada beli rumah lelong double story kat Bandar Tasik Puteri Rawang...
Developper maklum rumah belum ada title, dan minta proceed under assignment... Bila lawyer bank check title dah keluar... dan minta proceed under title and Loan dah approve...

Sekarang aku dah bayar duit deposit 10% RM6k, duit lawyer+others dekat2 RM6k... rumah aku dah masuk api dan air and touch up sikit...

Perkara nie dah setahun... sekarang baru dapat tahu Developer nie kena blacklist oleh pejabat tanah dan tak boleh buat transfer title dalam masa terdekat...

Bank Pelelong dah start minta aku bayar late disbursement/payment interest dalam RM4k..

Jika aku nak cancel, dia org takkan pulangkkan full coz mereka akan tolak duit late disbursement charges dan others related charges (aku xtahu lagie)Lawyer punya charges pun macam tue juga takkan dapat full...

Aku minta dia extend another 3 years until developer dapat pelepasan dari pejabat tanah... but Bank pelelong minta aku bayar dulu late disbursement charges.. baru dia org decide nak beri extension...

Sekarang apa right aku ya... coz sekarang late disbursement nie bukan salah aku... salah developer.. nak minta developper nie bayar... harem...

Rumah nie kosong, kalau aku sewakan pun mungkin boleh dapat 300 -400..

Apa right aku sekarang yg boleh dilakukan...

Tq atas khidmat nasihat...

Tuesday, February 14, 2012

Agak2 kerajaan nak dengar ke rintihan sebegini?

Fix the economy, say struggling new-generation voters

February 14, 2012

KUALA LUMPUR, Feb 14 — The government’s talk of economic transformation and reform has little resonance with the nation’s newest batch of voters who are suffering from the erosion of spending power in the country which they feel has made it a struggle to survive and clouds their future.

Unlike the older generation of voters who were able to easily pay off a house and a car within a few years of starting work, today’s generation of young adult workers find themselves in debt before they even start working and are looking at 20-30 years to pay off a house, if they can even afford one, and as long as nine years to pay off a car.

The country is also grappling with poor purchasing power as reflected by KL’s ranking in the 2011 Prices and Wages report by Swiss bank UBS AG, placing a lowly 49 among major global cities, down from 47 in 2010.

Melissa Low: Food and branded goods cheaper in Singapore.
While wages have largely remained unchanged for the past two to three decades, inflation has been steadily rising, hitting 3.2 per cent last year with prices of food and beverages increasing even faster at 4.8 per cent.

A poll of young working adults by The Malaysian Insidershowed that that they were concerned that the difference between wages and the cost of living had reached a critical stage, with many looking at the prospect of either meagre savings or high debt and feeling hard pressed to survive without family assistance.

Among some of the suggested actions the government take were to set minimum wage levels while capping inflation.

Rashaad Ali, 23, who works as a writer for Groupon Malaysia, said that cost of living was of paramount importance since he became a taxpayer.

Phillip Tay: I’d vote for a government that looks into stagnant wages.
As a young adult, it is at the forefront of my mind especially since I started paying tax,” he said. “The immediate future is a big question mark of survival, while questionable usage of EPF funds makes me wonder for my ‘retirement’ as well. While I should put equal stock in my own ability to take care of myself, there are things that are simply out of my control which I expect my government to handle.”

Biotech graduate Phillip Tay, 27, who works as a marketing executive with a publishing house, feels that many graduates are underpaid, and that ultimately it is government who should decided on basic wage levels.

“Wages have been stagnant for way too long. There should be government enforcement, the government should raise it up,” he said.

“I graduated with a degree in biotechnology. I look at my peers... many of them barely make more money than a SPM leaver... I might as well be selling insurance,” he said. “What the government can do is come up with policies that can help address the issue of stagnant wages, prices are going up but wages aren’t. I’d vote for a government which can look into that.”

Melissa Low, 26, who works as an accountant with an European multinational in Singapore but is a registered voter, said she left Malaysia partly due to the better purchasing power across the Causeway.

“The money is better and the inflation in Malaysia is very high,” she said. “Food, clothing, branded items are all more affordable in Singapore if you earn a Singapore salary.”

Mohd Abdul Wahid Rosmat, 26, a warehouse worker in Sekinchan, Selangor, said he was feeling the effects of the country’s inflation rate keenly.

“Prices will just rise suddenly and sometimes, the price increase doesn’t make sense,” he said. “With our wages not keeping up with prices, the value of our money is shrinking.”

Rachel Tan, 23, who works as an accounts executive at an online advertising company, said young working adults are “stuck”.

“There’s poverty of a different kind,” she said. “There’s a lot more debts at this age... someone my age already has so many loans to repay even before they can own a home, once they get out of university.”

Malacca-born Mohd Fareez Azman, 25, who now lives in Shah Alam, said prices have gone completely out of kilter with salaries.

“Wages are very different from the cost of living,” he said. “Salaries should be in balance with prices, even if it’s not high, it should at least be higher than the cost of living.”

While the government has promised to cut back on subsidies under its reform programmes, some such as Yanti, a 24-year-old cook from Parit 5, Sekinchan, believed that the government needed to keep forking out subsidies and helping the poor, because many cannot cope with ever-increasing prices of daily goods.

Rachel Tan: Young adults are stuck in debt even before starting work.
“I’ve been working as a cook for three years, but my pay is stagnant, but the prices are increasing. Both me and my husband’s combined pay does not even add up to RM3,000. How do we live?”

Ibrahim Suffian, head of the opinion research firm Merdeka Center, said the government’s rhetoric on economic transformation has little traction with the younger voters.

“Whoever can do better to address the practical needs of the younger voters and communicate this via a wider set of channels will benefit at the polls,” he said.

James Chin, head of the School of Social Sciences at Monash University, Sunway in Petaling Jaya, said the cost of living would be the number one issue in the coming general election which was likely why the government has been giving out assistance such as vouchers and cash grants to low-income households.

He noted however that the public was largely cynical over the efforts and it was not sustainable over the long run.

“The government needs to address the structure of the economy,” he said. “Wages are stagnant and the cost of living has gone up. They need to reform the entire economy.”

Economists have said that inefficiency, lack of competition and an undervalued ringgit are the reasons behind higher prices and the country’s distorted purchasing power for imported goods.

The cost of the two big ticket items — houses and cars — are often prohibitive for even the majority of older workers.

Yanti: Pay is stagnant but prices are increasing.
While the government has taken limited steps to address housing affordability, such as imposing a cap on the value of third housing loans and above, it has not tackled the exorbitant excise duties which make cars by foreign brands so unaffordable.

Taken together with the country’s relatively low salary base, the purchasing power of the average worker in KL as calculated by UBS is 60 per cent or more lower than that in Los Angeles or Sydney and only about half that of a worker in Tokyo.

With more than 30 per cent of Malaysians reportedly earning less than RM700 a month, the Najib administration has been mulling the introduction of a minimum wage but no decision has yet been reached as government officials fear it could cause higher unemployment and loss of competitiveness.

Pakatan Rakyat has also said that it is in favour of a minimum wage.

Young voters meanwhile will be scrutinising the efforts of both the ruling party and the federal opposition to restructure the economy.

“For me, I will vote a government that will continue to provide aid, to help us. It’s difficult living when everything has a price,” said Yanti.

(Sumber : http://www.themalaysianinsider.com/malaysia/article/fix-the-economy-say-struggling-new-generation-voters)

Pendapat Saya :

Generasi muda ( Gen y? ) Malaysia memang amat terkesan dengan kadar inflasi pada masa kini.

Jika dibandingkan, kadar pendapatan untuk graduan muda tidak banyak berbeza dengan kadar 10 tahun yang lepas. Akan tetapi, harga barang keperluan naik sungguh mendadak dan tidak berpadanan dengan pendapatan yang diterima.

Kerajaan Malaysia begitu gah bercerita tentang pembangunan ekonomi yang sungguh boombastik. Projek mega sana, projek mega sini. Rakyat dijanjikan dengan kemewahan hasil limpahan kejayaan projek mega. Namun apa yang terjadi tidak seperti yang diharapkan. Rakyat biasa tidak begitu terasa dengan hasil kejayaan projek mega tersebut malah kuasa membeli yang ada semakin merosot.

Seperti biasa, apa yang mampu saya sarankan kepada golongan muda kita, jaga kewangan anda dengan baik. Jangan harapkan orang lain untuk bantu kita. Jangan salahkan orang lain jika anda dalam keadaan yang sesak sekarang. Ianya tidak akan mengubah apa-apa. Sekurang-kurangnya jika anda mengambil tanggungjawab untuk mengubah keadaan diri sendiri, sesuatu yang positif boleh dihasilkan.

Kalau anda masih kelabu, tidak tahu bagaimana hendak mula, boleh beli buku RWDS hasil karangan Pakdi. Sangat sesuai untuk golongan muda yang baru hendak memulakan hidup dan mengawal situasi kewangan sendiri.

Oh ya! Jangan terlalu taksub dengan kehebatan gulungan ijazah yang anda ada. Reality sucks! Lagi cepat anda sedar, lagi cepat anda akan bertindak. Jika anda rasa anda tidak dibayar sepadan dengan apa yang anda ada, buat perubahan. Di dunia sebenar, ijazah anda hanyalah segulung kertas. Apa yang anda mampu beri kepada orang lain yang akan menjadi penanda aras nilai sebenar anda di dunia pekerjaan.

Wednesday, February 8, 2012

Hari Mengecat Rumah

Masih ingat rumah sewa saya yang terletak di Pantai Dalam? Rumah tu masih lagi kosong. Belum ada penyewa. Ada beberapa orang yang berminat dan dah tengok rumah, tapi belum ada yang sesuai.

Memandangkan rumah pantai dalam tu sudah agak usang (sejak dari beli, memang belum pernah dicat baru), saya mengambil keputusan untuk mengecat rumah tersebut. Pada mulanya, rancang nak upah orang sahaja untuk mengecat rumah tersebut tapi bila difikirkan balik, buat sendiri pun seronok juga. Boleh buat macam aktiviti keluarga.

Keadaan rumah sebelum di cat

Buruh kasar

Sungguh tidak disangka, penat juga kerja mengecat ni. Ingatkan mudah. Ianya tidak sukar tapi renyah dan agak membosankan. Saya merupakan seorang yang mudah bosan apabila buat kerja yang sama berulang kali. Nasib baik ada keluarga yang membantu. Ringan juga kerja mengecat ni.

Kerja mengecat mengambil masa dua hari ( lebih kurang sehari setengah). Saya gunakan cat yang murah sahaja. Saya beli tong cat yang 7 liter tu sebanyak 4 unit. Masih lagi berbaki satu tong penuh. Kos semua habis dalam RM 170 sahaja termasuk peralatan mengecat. Kalau upah orang, kos boleh mencecah hampir rm1k. Cuma penat la sedikit tapi puas bila nampak hasil kerja yang dah siap.

Hampir siap

Lagi satu perkara yang saya belajar pasal cat rumah, jangan campurkan air dengan cat yang ada. Terus guna cat tersebut dalam keadaan asalnya. Lebih cepat kerja. Kalau campur air, cat tersebut jadi terlalu cair dan perlu diulang2 cat untuk mendapat hasil yang diinginkan. Sekurang-kurangnya saya belajar sesuatu yang baru dari pengalaman ini.

Oh ya, satu tips untuk anda. Jika anda ingin naik kan kadar sewa atau harga rumah anda, sila cat rumah. Walaupun nampak mudah, ianya akan memberi kesan psikologi yang amat positif kepada bakal penyewa atau pembeli.

Rumah selepas siap di cat dan di kemaskan

Si kenit yang menyibuk