我也覺得 8萬 嬴 500萬，機會是微乎其微

祗是一個故事罷了，看不看也罷

江澤民講話：-「悶聲發大財！」

博士唔系未看过就否定两脚牛屎嘅奇迹.

而系歌仔唱嘅---用心良苦

唔想第二个SSD出台也

大家唔好吹得咁疯啦

楼上，新加波人虽然好像住的比较大，但是在其他方面却牺牲了更多。第一，他们的收入一半要交税。所以可以支配的收入其实好底。第二，因为组屋供应量大，结果是接近8成人口永远被压制在所谓的中产，永远难以上游，永远帮李氏家族。

你喜欢吗？我就不喜欢了。

6楼，还有新加波因为有8成人住组屋，结果他们的私人楼都是豪宅。

证明了香港的私人楼价贵，其实就是因为有一半人是公屋户。

Marshall Hon,

Long time no see. Why don't pick up my phone calls? Too busy in earning $$$ or with Girls??? I guess yr situation is like the main character in 2 and 1 half Man, right? Tata is organizing a BBQ for us......well, u know her well.......so pls call me back soon. Let me organize, really miss u and Chiu and Tim, George.

I like such kinds of front settings, feel much more better than yahoo's news page.

my dear old friend, u still know me well ma.............

Thanks yr every effort again, but Marshall Hon, u r a little bit pk bor, put me on the table without giving me any prior notice. (擺我上神台)

Feel a little bit unfair for me................

Waiting to hear yr apologize soon!!!!!!!

Aggie

2楼，如果无按揭，没有杠杆作用，要8万变500万真系有点困难。

不过如果03年系港岛区，买了一些唐楼，现在发展商要重建，可能真系可以做到8万变500万。不过最少要转3次，我家里附近的唐楼，当时应该是40万左右，现在大概500万。

Greeting Dr. Tong,

This is a real case because this is what I did since 1999.

I was graduated from overseas in 1999, during that time; it was so hard to look for a job.  Finally, I got a job.  It took me 3 months to find one.

In 2001, I bought a very small apartment (630,000 HKD).  I don't have any saving; therefore, I went to a bank to get a personal loan to pay for the deposit.  I spent another 50,000 HKD to do decoration.  6 months later, I sold it at 830,000 HKD.  I sold it because it was a big money to me; I cannot save such saving after 6 months.  Also It helped me to save about 6 months rental cost.

Afterwards in year 2002, I bought another one (1.73 mill HKD) and lived in there.  In year 2005, I sold it (1.93 mill HKD).  This time, I used 170,000 HKD as deposit (the money from previous profit + my little saving).  This time, the apartment was a brand new, so I did not spend much on decoration.  About this buy and sell, I did not earn much but I save some money because I did not have to pay for any rental.

In 2005, right after I sold the apartment, I bought another one (3.16 mill) and sold it in 2008 (4.03 mill).  As usual, I used the previous profit as deposit (10%).  However, I found that the stamp duty was so expensive.  I changed my tactic, I took the money to buy a cheaper one.

In 2008, I bought an apartment (1.88 mill).  This was the first time I could pay 30% deposit.  In 2010, I sold it at 2.33 mill.

In 2010, I used that money to reinvest on 2 apartments, first one was 1.94 mill (in Kowloon) and the second one was 1.98 mill (in NT).  In 2011, before the SSD, I sold the Kowloon one at 2.6 mill.  And I kept my current one because I don't want to pay for rent. 

Now I am selling my current one.  It is because I am not able to find out the market direction.  I wanted to cash out.  From 2001 to 2012, almost 11 years, I am not able to save 2 million if I need to pay for rent.  I am also a typical man to love to spend money, cars, LV, etc. and I am not a professional investor.  However, the market helps me to save the money.  This time I really want to cash out.  May be I am wrong; however, this is the real case from zero to 2 mill.  If I pay more attention on property, I am sure I can get extra 1 mill.  But I did not.  If someone like me to buy a property in 2001 and keep it until now, he also can have 2 mill net.  The different is, his apartment is very old but I am living a brand new one.

Some of my friends, same as my age, start to work in 1999.  But they choose to pay for the rent, now the different between me and them, I don’t feel stress about my life but they do.

They always complain local government is not able to help them? However, who help me?  Actually, the government policy has already done something.  They are unable to turn that policy into money.  They work for money, but I choose money to work for me.  That is my conclusion. 

Finally, Dr. Tong, please advise how to manage 2 million cash on hand?  This time, I really no idea, I am just a young man, cannot retire now.  Also I have started my own business 2 years ago.  A normal business cannot make me wealthy but no cash stress.

HK govt policies and ass media always mislead the public attention. See the recent allegation against Donald Tsang's lavish trips and presidential suites of just $50,000 per night at Brazil. What big deal is $50,000 after all presidential suites are supposed to cater for Donald Tsang or persons at that level. What's wrong with that? It should not be news at all. Last week's biggest news should be why the Chairman of HKEX and HKJC has to be seated by the same person and why he is suddenly appointed by the outgoing governemnt without reference to the upcoming government. HKEX and HKJC actually rules half HKSAR.

唔係唔俾人地玩地產叻過你呀...嗰陣時50万以下的單位大把大把..用5万做首期已夠...一路玩落去變500万係你這種以為有錢先代表有能力的人唔信啫..

TO: 寄生蟲

你認為97果鑊真係居屋隊瓜樓市呀?80年代已經有居屋啦, 又吳見樓市瓜. 係樓出現超大泡沫呀, 傻仔. 個市再吳調整, 超大泡沫將會重現, 吳單止業主死, 係全港一齊死呀. 你睇下博碩士寫D野, 擺明幫緊大地產商盡快出貨, 咁你就知來緊係咩環境啦. 我俾傳媒利用? 我宜家話俾你知, 係我利用緊傳媒呀, 咁都睇吳出, 真係一條蟲.

語無倫次九一九

問非所答正呆九

人地說東佢說西

千古罪人九一九

全霉當佢係儍仔

人人見佢作嘔狀

本人睇完編狗烚狗的發財行徑！　　如果真有其事，簡直慨嘆港人落得如此道德淪亡！！稍有良知都明白此兄台所謂賺錢方式，就是專攻真基層户，或是問題家庭人士之最後悽身處！！需知道此類殘破唐樓，之所以能作價幾萬至十幾萬有交易，就正正反映其住戶購買力水平之低！！現實生活逼人之慘況！！

可恨就是竟然還有人從中取利，以轉手獲利，更自稱發達之路，賺幅近倍！！當然此君必以樓房皆炒心態去比較其他物業投資，嘗試簡單視為投資技巧與大眾分享。。。。。。！　　但。。彷彿重回蠻荒時代，人吃人的景象，有人圍觀吶喊！！還有人以謂發達之路！！！

八萬賺五百萬很誇張?.. 我認識好幾個香港人早就賺到不只這個數目了  你賺錢就算了.. 還要寫文章來證明這件事情沒發生過 這就很怪

說實話, 要對比1997 - 2012樓市並不能單看樓價, 要加上 :

1, 借貸比率

2, 租金回報

3, 人均收入

4, 個人存款比率

 以上四點全部都比97時高, 所以樓價偏向輕微調整的機會為大

PS. 小弟並不完全相信博士的道理, 但絕對相信2011人口普查的報告

咩嘢都假,揾多D錢最實際;正研究兩個揾大錢項目有興趣Add我詳談,skype: joc0206 , QQ: 1736615307