以下有一些观点:

 

1。

http://www.realestatelibrary.com/invest6.html    -"Reasons to Invest in San Diego Real Estate"

 

资本增值,现金收入,资金杠杆和税务优惠

 

2。

http://www.canada.com/business/Real+estate+investments+rewarding+risky/7615233/story.html-"Real-estate investments can be rewarding - and risky"

 

资金杠杆是两刃剑,投资开销大,时间和努力大,不易变现风险大。

第一种观点提出了投资房地产的部分好处,第二种观点是提醒要投资的人在投资中可能的风险。

 为啥要投资房地产?

因为有太多的人,不管是专业的还是业余的, 主动的还是被动的,加入了投资房产的行业。到底是什么动机驱使人们

化这样的努力呢?这可能不是仅仅能从单纯的经济利益角度来简单的解释了。

首先从人的心理角度来分析:

 

人来自于土地,土地和人的关系可以使人为了土地不惜以死相博,造成国家间为土地而争牺牲大量生命,

 

我们买房地产,不管到底买了什么-是永久土地使权还是暂时土地使用权,我们都能得到排它性的对这房产-特别是

土地的使用,完全满足了我们人作为动物在维护自己的生存空间和地盘必需的诫心。租赁,尤其是短期租赁,在某

种意义上就是承认别人的永久权力,并臣服之。这样,永久使用比租赁对人内心的满足程度就有很大的优越性了。

 

 无怪中国的future Mother-in-law在选Son-in-law 时要选有房的。

投资房地产带来安全感

和其它投资项目来比,投资房产让投资者有更大的安全感。尤其对于自身缺乏安全感的投资者来讲,同样的回报,

投资房产显得更有吸引力。这里要注意一点:新移民会更倾向于投资房产,因为这个群体会在安全感上比当地人

缺乏。

 

有人说:中国人摆脱不了土地情结,自己有住的还要再买投资的,有了两个还想三,不知道拿钱出去度假去好吗?

可就是手里攥俩房子心里舒坦啊,这是不是病态?

 

 

这没错! 即使坚持现在租房的中国人也是想买房的,不过想等首付够了再买,或等房价跌下来,并跌到恰好还有勇

气时再买。中国人在加拿大,大多数是第一代移民。移民来加拿大的本意是看中了加拿大稳定的体制和社会环

境,多元文化的强调,良好的社会福利和保障制度,其实质是来加拿大寻找安全感的。

 投资房地产对有些人来讲,已是一种信念,持久的,有耐心的,有系统的投资,随着时间的推移,这就是大地主是这样

产生的。真所谓有恒心,才有恒产。这种境界就不是普通人能达到的了。这已是题外话了。

 然后,

投资房地产有其实用性;

很多中国富人在中国用几百万可以买一套象样的房子的钱买车,因为车可以代步,出行方便了,距离变近了。我们用

几十万买的房子的使用价值就更高了。自有的房屋可以让你和你的家人,有了真正的家,它为你避风挡雨,让你的家

人冬暖夏凉,同时不会象车一样被其它车驱赶,居无定所。在自己的家,可以发挥自己的想象和特长来装饰和经营,

使家的意义得到更充实,有些人还喜欢收藏,自己的私物放在自己的屋内最觉得安全。一天24小时,起码有8个小时

在家休息。在人生4大日常需要-衣食住行中,住在自己的房屋内对于一个家庭来讲,太实用了。

 黄金,钻石对一般家庭来讲,也就只是装饰作用。

又有人说:作为投资就要研究买入时机和房子的具体情况,不能盲目,象抢盘这种事少做为妙,毕竟不冷静作出的

决定失误概率较大  。

 

 

太对了,这里要强调的是:对于尤其利用借来的钱,并且超出自己的偿还能力(有些是在低利率时可以,但利率上升

就不兴了)的投资者来讲,要千万小心。假如太利用银行杠杆,就有赌博的味道了。因为投资房产是打持久战的,

有一个阶段不能通过,没了现金流,就可能爬不起来。量力而行,才能持之以恒。

 反过来讲,对于长线投资,大方向正确,投资就没有必要一味地寻找所谓的谷底。寻找适合自己的能力,并且既有

增值空间,又有生产能力的房产才是关键。

 另外,那些希望今天买了,然后整天观察升值了多少了马上想套现的FLIP,在房价在上升的好时光才有运气,否则还

是在其它领域投资为好。

投资房地产还希望房地产能生产。这实际上应该是从投资角度来讲最吸引人的地方。

 

 从商业物业,工业用房,农地,MultipleFamily 到居民住宅都能出租得到租金收益。资金量少到只能买一间自住的

2室公寓,也可以分一间给租客用。

投资房地产能够帮助一般家庭累积财富,这一点对于某些家庭特别重要。

 

 大家都知道,房产不容易变现,这既是缺点,也是其很大的优点。有一部分人,在对自己的财务没有自控能力。

所以,银行有一种零存整取的办法是异曲同功的作用,并且房地产比零存整取的控制更严格。

 

 付了房贷,口袋可用的钱就少了,平常就节约了。在还房贷的同时,也在还本金。

在理财方面,一般的人也大多数不会有这个能力和经验在象股市,以及更复杂的投资领域surfing。现在,除了存钱

在银行,RRSP,RESP,这些简单的投资外,真正能使普通人得实惠的就论房地产了。假如你是像巴菲德这样有投

资专长的人,也就不需要走房地产这一条道了。但,这些人是少数。

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最近《万维读者网》的消息有:

1.总统查韦斯孤注一掷 委内瑞拉币值狂贬32% 2013-02-10 16:47:14 明报全球货币贬值战蔓延,为控制国内

赤字及美元短缺问题,「反美强人」委内瑞拉总统查韦斯(Hugo Chavez)孤注一掷,颁令本周三起把本国货币

大幅贬值32%,并废除外汇证券交易制度,希望藉此增加美元供应,改善物资短缺问题。委国目前通胀逾20%,

贬值势令通胀急升,分析指此举恐动摇查韦斯管治基础,成为一场政治豪赌。
2.意味什么:中国央行创纪录4500亿流动性注入http://www.creaders.net 2013-02-12 16:43:23 华尔街日报

中国央行周二向货币市场注入创纪录的4500亿人民币(合720亿美元),旨在满足春节期间巨大的资金需求。
3.全球“印钞大赛”难倒中国 通胀压力加大2013-01-25 19:44:05 中国网  进入2013年,世界发达经济体印钞

机马达轰鸣。1月22日,日本央行推出超量化宽松政策,包括无限制资产购买以及上调通胀目标至2%。放眼全

球,美国马不停蹄连推QE(量化宽松政策),欧洲央行有无限制购债计划。有学者比喻,世界很可能已进入一个中

央银行印钞时代。
《东方财经》报道
危机“传染”全世界 日元贬值有“猫腻”
1997年东亚金融危机以来,日本经济持续动荡,其中最耐人寻味的就是日元的持续下跌,大幅贬值。经济学家认为,

日元贬值将使亚洲经济面临空前困难。

《腾讯财经》报道:
1.新兴市场的汇率悬崖 货币贬值远超欧元
欧债危机重挫欧元汇率之时,新兴市场国家的货币贬值却远比欧元的跌幅来得剧烈。

55,56,57——此轮欧债危机恶化以来,印度货币卢比遭遇了历史最大幅度的贬值,美元/卢比达到有记录以来的最

高点57.32;南非兰特、俄罗斯卢布、巴西雷亚尔从去年以来也是大幅贬值。外汇市场上这一系列数字变化的背

后是,货币贬值延伸到经济层面——货币贬值使得国家消费者购买力下降,进口贸易商们减少订单面临洗牌——

关门出局或者力撑待晴天。

2。全球三大央行“放水” 货币贬值之争加大
欧央行、美联储及日本央行纷纷表示将大规模买入各国和地区国债,相当于印钞注入刺激措施增加市场流动性。

这些重大措施的效果将在下周起陆续显示出来,其他国家可能跟进“放水”,受汇率战影响各国贸易战将持续升温。

为了减缓货币大量贬值的危机,国际社会的努力

《华尔街见闻》报道:

欧美财政高官欲让G20共同维稳汇率 避免货币贬值
同在2月11日,欧洲与美国的财政高官都表露了在G20国家范围内处理汇率问题的看法,货币竞相贬值引发的汇率

政策问题将成为2月15-16日本周末的G20集团财长及央行行长会议议题。

效果如何?有待事实来说话。
货币贬值对房价的影响?
《凤凰网》报导:
牛刀放言:房价上涨都是骗局 其实就是货币贬值 

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In March, the Fraser Valley Real Estate Board processed 1,128 sales on its Multiple Listing Service® (MLS®), a 20 per cent decrease compared to the 1,412 sales during the same month last year, and a 24 per cent increase compared to February’s 913 sales.

The Board also received 11 per cent fewer new listings in March compared to last year – 2,736 compared to 3,066 – keeping inventory in check. March finished with 9,503 active listings, 1.5 per cent fewer than March of last year and 3.5 per cent fewer than the 9,832 available during March of 2009; the highest volume of active listings for that month in the last decade.  

Ron Todson, President of the Board, explains, “Although we saw a typical spring uptick in activity from February to March, our sales remained at about 70 per cent of the norm for March and our new listings came in at 90 per cent of what the Board would typically receive.

 

“Because inventory levels are in check, prices are staying in check.”   

In March, the benchmark price of single family detached homes in the Fraser Valley was $544,300, an increase of 0.6 per cent compared to $541,300 during the same month last year. For townhouses, the benchmark price was $298,200, a decrease of 1.7 per cent compared to $303,400 in March 2012 and the benchmark price of apartments was $204,200, an increase of 0.8 per cent compared to $202,500 in March 2012.

Todson adds, “Inventory levels are not as high as they need to be to put significant downward pressure on prices of the benchmark, or ‘typical’ home. These are homes that have characteristics most common to houses in a given community.  

“In fact, we’re seeing the reverse happen. Benchmark prices for all three main property types in the Fraser Valley increased in value during the first quarter of 2013. Since January, detached homes are up by 1 per cent, townhomes by 0.6 per cent; and apartments by 2 per cent.”

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Sources: http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/home-buying/to-get-a-mortgage-youll-need-to-have-a-stellar-credit-score/article10947039/?cmpid=rss1&utm_source=dlvr.it&_gi_utm_medium=twitter

 

 

Lesley Slobodian: Special to The Globe and Mail Published Tuesday, Apr. 16 2013, 5:00 AM EDT

 

 

TOP TIPS ON KEEPING A GOOD CREDIT SCORE

1.) Make your payments in the correct amount on or before the due date! This will have a positive effect on your credit score. Missing or late payments and judgements, bankruptcies, collections or other public records will have an unfavourable impact on a credit score.

2.) Keep your balance considerably lower than the available credit limit provided. If you have several accounts with high balances relative to your available credit, this may indicate that you are relying greatly on credit to meet your daily needs.

3.) Multiple credit inquiries can lower your credit score, so reduce the number of credit applications you make.

4.) Always maintain a credit history. You can use a credit card to build a good history.

5.) The best mix of credit is a combination of a store credit card and a major credit card such as a VISA or MasterCard. It is important not to have too many credit cards or store cards as that may negatively impact a credit score.

 

Displine and pay on time, try to avoid too many credit card application attraction because of little sweet.

 

 

 

  

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Open House:  October 21st


 SUNDAY  2:00-4:00pm



#53    16318  82 AV     Surrey

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#53    16318   82nd Avenue   Fleetwood


Open House:  

            Sunday     7th of October                2:00-4:00p.m

           Sunday     14th of October               2:00-4:00p.m

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Quote from: http://ca.yahoo.com/news,  

              Warren Buffett said" The third best investment I ever made was the purchase of my home"


That's true!

   Buying the home,  holding it patiently, you will eventually get the reward from the investment.


For the buyer! Congratulations. You make the right decision which could easily make you succeed. If you have the patience to hold the home, you have the patience to achieve any goal.

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The real estate, being related to our land, is my passion. We maintain it, care about it. Because all people need  home, the home is  our sweet nest, our hope and our future.

Never regreting for  owning  properties, we treat them well, then they will look after us.

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Land gives us life, feeds us , makes us prosperous, and eventually we will be all back to land.

We live for land, fight for land. Land is priceless .

The price of the land is never too high!

When we own the land, we own the privillege to serve the land, also owe the duties to protect the land.

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