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Asset versus Cash

Dear All, Assalamualaikum.

Asset or Cash which one you prefered as your investment, say it and why....Thank you

A step at a time to be financially independent at http://lpgnxtreme.com/referid=greenghaz
 

The six key benefits in real estate investment ( Enam faedah utama pelaburan hartanah )

In the next 6 siries we will run through the six main benefits  investing in real estate. 

Improving Your Investment Property (More Value at Sale) - The improvement of your invested property can be achieved in few ways, among others; 
i.   Conversion of it's statutory status.... (newly added below)...Tiada nilai mana mana hartanah mengalami susut nilai (depresiasi)...(baru ditambah dibawah).

We buy  company shares for appreciation in the stock value, and perhaps dividend.Purchasing bonds, for income yield on the interest. In real estate investment, more ways in we can earn a superior return on our investment. We will run through ways in which your real estate investment can appreciate in value, while providing good cash flow.

Below are the key benefits or ways your real estate investment can provide;

1. Cash Flow from Rental Income - The significant of rental income in a real estate investment can be considered as the 'unfair' advantage to other form of investment. Simply because it is not achievable in most other investment portfolio. Although some may say it is also happening in transport related investment it is subtracted by the depreciation effect of the transportation asset. It does not matter your investment is in land, houses or REIT's somehow rather you are directly benefiting from rental income.

The beauty of this rental income is, it is not confined by a rigid structure but it is open to your ability to add value into the rental package that you can offer. For example houses can be rented with nominal price if it not furnished, jump up to 30% if it semi furnished and can go to sky limit if it is furnished rightly to the target market.

Thus the recurring rental income can really be a passive positive cash flow contribution as part return to your investment in real estate. Don't wait any longer apportioned atleast 30% of your saving to real estate investment now. Visit us at http://hartanahislah.blogspot.com or email to r.ghazali@ymail.com

2. Increases in Value Due to Appreciation - Any real estate in general does not depreciate and instead it's appreciated against time. In some very specific cases like war or major economical downturn it does decrease in value but it will rebound sooner than other form of investment.

Below are few scenarios that a real estate value appreciated overtime;
i.   Land definitely appreciate in value overtime, it happens naturally as surrounding areas  get developed.
ii.  It also happens due to change in the land status, for example from agriculture to residential or commercial, this way the value appreciation is higher reaching hundreds of percent.
iii. Building, structurally can go to depreciation but it is normally compensated by the land value appreciation or the surrounding market value appreciation. In every case normally the overall value of the real estate ( land , building and market valuation) goes up overtime
iv. Choosing the right area, purchasing a properties and uplifting it outlook and condition will give tremendous value appreciation on secondary middle and high end market.
v. Purchasing distress property is another way to gain value appreciation where you buy the property below market price and even you don't resell you still gain value appreciation for the property.

All the above scenarios promised up to hundreds of percent value appreciation in your investment over short, medium or long term investment. This kind of capital value appreciation is hard to get in other form of investment.

So don not think any longer allocate atleast 30% of your saving to property investment, doing it alone maybe not possible, lets do it together here at hartanah islah  or email r.ghazali@ymail.com or vcita

3. Improving Your Investment Property (More Value at Sale) - The improvement of your invested property can be achieved in few ways, among others;
i.   Conversion of it's statutory status, for example you can convert your purchased land from agriculture status to commercial or residential status and register the changes in the land title's. This process will require sometime as it need to be endorsed by the Local Authority or sometime the the State Councillor. Once the conversion has been endorsed and registered the value of the land jumps hundreds of percent depending on locality.
ii.  Improving the condition of a building that you have purchased will also gave value appreciation to the asset. You may purchased for example an old house in the upcoming locality, putting air-condition, face-lift and repainting with latest trendy color will attract good prospect buyer with high valuation.

It can happens in other ways up to your creativity, the fact is an investment in real estate opens up to 'more value at sale' after you have done some improvement to the invested asset. This rarely happens in other form of investment.

So, why wait, apportioned atleast 30% of your saving to real estate investment now, can't do it alone, lets join forces here at http://hartanahislah.blogspot.com or email to r.ghazali@ymail.com or tweet #hartanahislah or contact me at Vcita

4. Inflation is Your Friend When it Comes to Rent
5. Paying Off Your Mortgage
6. You Could Just Find that "Steal of a Deal"

Stay with us and keep coming back for the details.

Malay synopsis

Dalam 6 siri akan datang kita akan menelusuri enam faedah atau kelebihan utama pelaburan hartanah.

Biasanya kita membeli saham sesuatu syarikat disebabkan kita mengharapka nilai saham itu meningkat atau mendapat pulangan dari dividen. Pembelian bond pula banyak disandarkan kepada pulangan dari faedah atau keuntungan berkala yang dijanjikan. Namun didlam pelaburan hartanah, kita boleh mendapat pulangan dengan pelbagai cara. Kita akan menelusuri bagaimana pelaburan hartanah boleh meningkat dari segi nilai modal dalam masa yang sama memberikan kita aliran tunai yang baik.

Dibawah ini adalah enam kelebihan utama pelaburan hartanah;

1. Aliran tunai dari pendapatan sewa - Pendapatan dari sewaan boleh dikatakan sebagai kelebihan ekslusif kepada pelaburan hartanah berbanding dengan lain lain pelaburan. Walaupun mungkin pelaburan didalam sektor tertentu termasuk pengangkutan juga boleh mendapat faedah yang sama, namun ia nya di imbangi semula oleh penurunan nilai aset disebabkan deprisiasi.

Menariknya pendapatan sewaan ini tidak terlalu bergantung kepada suatu bentuk struktur yang rigid. Ia nya boleh berkembang dengan cukup baik dengan sedikit nilai tambah kreatif anda. Contohnya sebuah rumah boleh disewakan dengan nilai minima, boleh ditingkatkan sehingga 30 % dengan separa 'furnished' dan melonjak tinggi nilai sewaan nya dengan 'furnished' dengan sasaran pasaran yang betul

Oleh itu pendapatan sewaan mampu memberi pendapatan pasif berterusan kepada pelaburan hartanah anda, usah bertangguh lagi, agihkan sekurang kurang 30% simpanan tua anda kepelaburan hartanah, ia boleh dilakukan di http://hartanahislah.blogspot.com atau emel ke r.ghazali@ymail.com .

2. Peningkatan nilai modal hasil dari peningkatan harga pasaran - Tiada nilai mana mana hartanah mengalami susut nilai (depresiasi), sebaliknya ia 'naik nilai' mengikut masa. Dalam kes kes amat sukar seperti peperangan atau kemelesetan ekonomi yang teruk, nilai nya mungkin turun , namun ia meningkat semula lebih cepat berbanding lain lain jenis pelaburan.

Di bawah ini disenaraikan senario dimana anda boleh mendapat 'naik nilai' pelaburan dalam skim hartanah;
i.  Pembelian tanah sememangnya akan meningkat mengikut masa, dipengaruhi oleh pembangunan dan perubahan persekitaran nya.
ii.  Naik nilai juga berlaku kerana pertukaran status tanah, contohnya dari pertanian ke perumahan, perdaganagn dan industri. Senario ini biasanya memberi peningkatan nilai berganda ratusan peratus.
iii. Pembelian bangunan , secara strukturnya akanmengalami depriasi atau susut nilai, namun peningkatan nilai tanah dan pasaran disesuatu lokasi mengimbanginya, secara keseluruhan nya nilai hartanah tersebut masih naik nilainya.
iv. Pemilihan lokasi yang betul dan membuat 'facelift' atau menambah baik keadaan hartanah dan dengan sasaran pasaran yang betul akan memberi gandaan naik nilai sesuatu hartanah dengan baik.
v.  Pembelian hartanah lelong juga amat berkesan untuk mendapatkan naik nilai yang tinggi kerana anda membeli hartanah tersebut dibawah harga pasaran.

Secara keseluruhan nya pelaburan dalam hartanah dengan strategi yang betul dapat meningkatkan nilai modal anda berkali ganda dalam amsa yang tidak terlalu lama berbanding dengan pelaburan lain yang jarang sekali memebri nilai peningkatann modal berganda.

Ayuh jangan tunggu lai, agihkan sekurang kurangnya 30% dari simpanan anda ke pelaburan simpanan hartanah, melakukan nya berseorangan mungkin sukar, mari lakukan bersam di hartanah islah , emal ke r;ghazali@ymail.com atau Vcita

3. Tingkat kan keadaan hartanah anda (ubah syarat dsb) - lebih nilai semasa dijual
4. Inflasi tidak lagi jadi musuh sebaliknya kawan dalam kontak nilai sewaan semasa
5. Membayar habis pembiyaan perumahan anda
6. Boleh membeli atau menjual dalam keadaan yang memberi keuntungan besar

Teruskan bersama kami untuk penjelasan lanjut.

Pemilikan hartanah dan syiar Islam (Assets ownership and Syiar Islam)

Assalamualaikum semua, 

Semoga hari ini barakah untuk kita semua. Amalan dunia dan akhirat marilah sesama kita usahakan. Bekalan dunia dan akhirat kita kena cari buat bekalan. Harta dunia dan akhirat juga kita tidak boleh abaikan. Syiar dan maruah Islam juga kita wajib tegakkan. 

Harta dunia memang bukan keutamaan, namun pemilikan harta adalah fardu kifayah bagi yang berkeupayaan. Bolehkah kita biarkan pemilikan hatanah Islam diseluruh muka bumi ini hanya kurang dari 2%. Tidakkah keadaan ini terlalu daif dan usaha perlu dibuat bagi meningkatkan nya.

Marilah kita cuba usahakan diperingkat golongan pertengahan Muslim untuk mengumpul modal dan menggunakanya bagi memiliki hartanah sebagai sumbangan bagi meningkatkan pegangan hartanah Islam didunia ini.

Ia nya juga sebagai usaha diperingkat peribadi untuk menyimpan dalam bentuk yang tidak terkesan oleh faktor inflasi. Dibuat dalam keadaan terancang ia boleh memerdekakan kewangan peribadi (financial freedom) kepada ramai umat islam. 

Layarilahhttp://hartanahislah.blogspot.com/ atau tweet #hartanahislah atau emel ke r.ghazali@ymail.com .

May this day be barakah to all of us. Let us do the necessary for the worldly and the akhirat. We need both saving for the world and the akhirat. So as the asset for both. Equally strengthening the Islamic Syiar and integrity is our responsibility.

The worldly assets is off-course isn't our ultimate goals, nevertheless owning an asset is Fardhu kifayah for those who can effort. Can we let the world assets ownership by Muslim is less than 2%, isn't that too dhaif and some effort is necessary to increase it.

Let us work together within the average Muslim to accumulate our capital for the purpose of acquiring and increasing Muslim assets ownership worldwide. It is also a personal effort by everyone of us to aim for financial freedom, Insya'Allah.

Visit us at http://hartanahislah.blogspot.com/ or tweet #hartanahislah or emel ke r.ghazali@ymail.com

The important of amal jama'ei

A lonely  sheep is most vulnerable to the wolf.

Lets sit-back for a while and think through some finer point of working in an organised group, Jamaah. Why we need to work in Jamaah, simply as individual we have many shortcomings and weaknesses that we will be able to make up each other in a Jamaah.

In our contact why we need to initiate hartanah islah http://hartanahislah.blogspot.com is simply for the same reasons. Individually (as an average Muslim), capital wise we will not be able to do anything, nevertheless in a Jamaah we can pull our capital together we can do wonders, Insya'Allah.

Earlier today one of our Muslim brother just posted in the facebook his anger to a ruling party for letting a Muslim own land goes to auction without being helps or salvage. This is just one of many thousand cases that we were highlighted.. Should we remain calm and don't bother while the asset's owned by Muslim recently are less than 2% of the total world asset's.

It is really high time for us to consider seriously to pull our resources together to increase Muslim assets ownership and more critically to salvage some of the assets that already owned by Muslim from being sold or auctioned.

We at hartanah islah would like to provide the platform for us to work together, we welcome suggestion, comments and most importantly support from all the Muslim, be it individual, NGO or companies. Wallahualam.

Kepentingan amal jama'ei

Bebiri yang bersendirian amat terancam kepada serigala.

Ayuh kita renungi sebentar peri penting nya kita bergerak dalam Jamaah yang teratur. Selaku individu kia mempunyai terlalu banyak kelemahan dan kekangan dan semua ini boleh kita atasi bila kita menampung kelemahan dan kekangan satu sama lain dalam Jamaah.

Begitulah halnya mengapa hartanah islah http://hartanahislah.blogspot.com perlu diwujudkan adalah diatas justifikasi yang sama. Selaku individu (golongan pertengahan Muslim) kita tidak mampu melakukan apa apa, namun secara Jamaah kita mampu menggembeling modal dan kemungkinan nya tidak terbatas, Insya'Allah.

Awal hari ini, seorang hamba Allah menyatakan ketidakpusan hati nya terhadap parti pemerintah kerana membiarkan sebidang tanah hak milik Muslim dilelong tanpa usaha menyelamatkan nya. Ini hanya satu dari beribu kes yang kita mungkin tidak ketahui. Pokoknya masihkah kita boleh merasa selesa dan berdiam diri dikala pemilikan hartanah Muslim didunia kurang dari 2%.

Sudah sampai masanya kita memikirkan secara serius usaha untuk menggembeling modal golongan pertengahan Muslim untuk menambah kadar pemilikan hartanah Muslim dan lebih kritikal untuk menyelamatkan aset yang telah dimilki dari terlepas.

Kami di hartanah islah berhasrat menyediakan platform untuk tujuan penggembelingan modal ini. Segala bentuk sokongan, dorongan dan teguran amat dihargai.