Understanding Residential Property Price Index

Understanding Property Price Indices Every quarter, URA (Urban Redevelopment Authority) releases the real estate statistics for private residential properties, office space and retail space. These data includes important numbers for sales as well as for rental. Therefore, by paying attention to the index and its trends, we can draw meaningful conclusion on generally where the … Read More

Lessons Learnt from my Trailwalker Experience

What is Trailwalker Trailwalker or Oxfam Trailwalker is a fundraising endurance events conducted across the world by Oxfam, an international confederation of 20 NGOs working with partners in over 90 countries to end the injustices that cause poverty. In Hong Kong Trailwalker, teams of four competitors must complete a course of 10 sections, 100 kilometres long country parks trails … Read More

The Millionaire Next Door book review

Last month, I wrote my reviews and lesson learned from the book The Richest Man in Babylon here. This time, I want to talk about another book that has helped me gain a lot of understanding in wealth accumulation. This book called The Millionaire Next Door, written by Thomas J Stanley. I found the principles … Read More

The 2 important Debt Ratio for Leveraged Investment

In my previous article, I shared that Leverage is generally a very good tool in property investment. It will work out well if you use it carefully and prudently. So how much leverage you should take on before it becomes too excessive? Let us explore some important debt ratio here. Total Debt Servicing Ratio (TDSR) … Read More

Making running fun in 6 ways

Running can be quite a monotonous activity, especially if you are heading out for a very long run. Just repeated steps after steps for hours. Trying to have a little fun sometimes can help me enjoy running even more and go even further. Here are some things that I do to make my runs more … Read More

The Concept of Leveraged Returns

What is Leveraged Returns? Leverage in simple term is the use of debt to finance the purchase of asset. It is an investment strategy of using borrowed money to increase the potential return from an investment. Property investment is one of the popular instruments that uses leverage for better returns.   How Leveraging Works If you were … Read More

Starting early and million dollar dream

Many a time, I have heard people saying that when it comes to savings or investing, it is always good to start early. Does it really make sense? How big is the effect of saving or investing early?   If I have 20 years to save or invest Say if I have 20 years ahead … Read More

Possible effects of the recent cooling measures (Part 2 – LTV)

Recently the Government has introduced the latest round of property cooling measures. In this round of property cooling measures, adjustments to the Additional Buyer’s Stamp Duty (ABSD) rates and Loan-to-Value (LTV) limits on residential property purchases are made. In my previous article, we have discussed the effects of ABSD. Here we will discuss the changes … Read More