在新西兰
阿海在Propoerty Talk建议别人说谎骗贷款也被揪出来了。。。哈哈
注意：这个要看原文比较好，里面有很多链接。
Behind those Herald home-buying stories
https://publicaddress.net/hardnews/behind-those-herald-home-buying-stories/
The latest in an apparently endless series of you-too-could-buy-a-house-if-you-weren't-so-lazy-and-worthless stories appears on the New Zealand Herald website today. It is titled: From $30k deposit to $1m planned portfolio in a year: one couple's story:
Two 24-year-old Aucklanders, who collectively saved about $30,000 for their first place in their first year of work, could have a $1 million-plus portfolio by the end of this year.
It seems too good to be true – and, naturally, it is.
So how did a couple only in their first year of working life afford all this?
"We borrowed 60 per cent of the purchase price. The rest of it came from parents as an equity gift," he said.
So, yes, the couple didn't buy a $640,000 unit off the back of $30,000 in savings. Their deposit wasn't $30,000 as the headline and intro claim – it was $256,000. I think most twentysomethings with jobs could get a bank to lend on that basis. But of course, most twentysomethings don't have parents in a position to pitch in a quarter of a million dollars.
Herald property writer Anne Gibson's story also embodies another trend in these stories: that the way to buy a house in Auckland is to become a property investor. Yes, cities need landlords. But the idea that we should all turn home ownership into a speculative business is completely mad. Auckland has quite enough of that.
But one more thing: it's yet another Gibson story mentioning property investor Ron Hoy Fong and/or his "coaching family" Ronovationz, which runs property investment seminars. I count 14 of them since the beginning of last year. Last week, there was this interview with Ronovationz "Property Wealth Coach" Gary Lin, whose idiotic advice includes such gems as:
"If I were 16 years old today, I would join the army and toughen the f*** up ...
"Then, when I'm in my early 20s I would get an education or trade and read hundreds of books on wealth creation, personal development, habits of successful people. Then I'd do an OE and build a successful profession overseas, chase the money, see the world, build up a saving at the same time or learn about business and start up businesses.
"Success will come when one has developed the rich mindset, rich habits, and has taken action. Complaining on Facebook during work hours will do f***-all to their lives."
This is not, of course, how Lin himself got on the ladder. As another Gibson story, from January last year, explains, Lin got into the housing market courtesy of a $200,000 wedding gift from his father. But perhaps Lin does have a few tricks: here, in this forum he encourages people to get around restrictions on lending to investors by lying to their banks.
In another story in November, Hoy Fong declares that the "secret" to buying a house in Auckand is to use your parents' equity in their house, which will "probably" be mortgage-free. In a Herald Focus video on the same date Hoy Fong explained more about how "easy" it was to buy a house this way and scorned New Zealanders who "stay just over broke" by working at conventional jobs. The same video is also on the site as Why you should buy property now.
Two days before, another Gibson story reads like an advertisement for Hoy Fong's coaching business:
What is stopping New Zealanders from getting rich?
That's the question a $23 million 31-property owning Auckland landlord, Ron Hoy Fong is asking at a seminar in Auckland on Saturday.
In February last year, Gibson had Hoy Fong urging Aucklanders to buy as many properties as possible "and get in before the Chinese". (To be clear, Hoy Fong is a third-generation Kiwi and his grandparents were market gardeners. He was a civil servant who made his initial wealth by building then franchising the Tofu Store chain.) A month later he was in another story, predicting that the Auckland market was going to" go bananas". In September he was back crowing about the $500,000 capital gain he scored on a property he bought that March.
This kind of bullish sentiment is integral to both of Hoy Fong's businesses – his "coaching" and his actual property investment. But whether the Herald should be making itself available as a megaphone is another matter.
Its not only the Herald of course. Stuff has run a series of how-I-bought-a-house stories too. And presumably, these stories run so often because people read them, even if only to look for the inevitable gotcha.
But maybe, just maybe, repeatedly running stories sourced from one company urging people to get into property on the expectation of easy wealth gains isn't a very healthy thing to do.
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言多必失。这个不得了。事情可大可小，严重的话银行可以把他们学员的贷款统统拿出来捋一遍看看有多少是假的。只要银行想。
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还真的有说过
https://www.propertytalk.com/for ... p=364478#post364478
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有的时候我觉得他不完全是要广告效果或者炒作什么的。他就是本人性格大嘴，原则性又差。想到那里了就够可以了，还说出来。这么坑爹坑师傅的言论他也能说。而且造假是什么本事么。
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这个，确实不应该这么公开的讨论吧？好比是当众啪啪的在打政府的脸啊，人家出政策，然后有人就这么公开的建议怎么去钻漏洞
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做property coaching生意有好几家，为什么没人找Property Apprentice事情呢？阿海有些话不知道说之前跟他师傅沟通过没。
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这个师傅也够可以的，大嘴也有点一脉相承。
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最近经常看到阿海晒他帮学员买投资房装修改建的成就，炫耀一下子房产价值就增长了十几二十几万。我对他这些言论持保留看法的，因为他所宣扬的增值目前只是纸面上的价值，而且还是高估的。另外他在现在这个房产时钟 （大概下午一点）还鼓励人买跟他买投资房，有点贪图人家学费的嫌疑，这个时候买，很可能有深度套牢的风险，按照新西兰8年左右一个房产周期算，他最近买投资房的学员，要持有6，7年才能出手获利，这期间还有承担利率增长的风险。
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教主这些东西在商言商的去看也说得过去，他的学生花钱就是想知道这些trick么。我觉得是之前阿海的高调招惹到人了，教主这一刀迟早要挨。阿海之前的有些言语从生意人的角度看是不妥当的。
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阿海现在的day job就是做coach，立场不同了态度也会受影响。
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成败论英雄 谁会在意你怎么成功的？
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嗯，没人在意，很多成功的人都是踩着别人的尸体才爬上去的。。。哈哈
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绝对不认同。君子之财取之有道。毒贩怎么能不在意。
我觉的豆腐教没过份，我也绝不会相信那老头的话。他们只是一门consulting的生意，投资者take their own risk. 只要他们没骗人，那就OK。Nzherald这次的propaganda只是針对他们罷了。本人也觉得他这样些言论不配做太平绅士了。太平绅士必须德高望着。
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离题一下，那划别人车子的JP怎么看？哈哈
亲眼目睹 华人太平绅士JP 划车搞破坏 坐标：Avondale
http://China2au/forum.php?mod=viewthread&tid=3405500
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报纸线人告诉我的背后内幕是，这些一系列针对房地产投资者报道的都是工党在背后花钱写的。
基本有Phil Twiford的报道都是工党通过公关公司写的。
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哇，拿你们当炮灰，你们不反击吗？
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你那个招人骂的视频也是工党找人跟你拍的吗？
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9月大选自然揭晓
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看样子贵教对阻止工党上台有招了
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身体有病可以治，脑子有病不好治。
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说清楚点，谁脑子有病？
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肯定不是老鼠你脑子有病啦。是阿海说的背后的那个势力脑子有病啦。
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呸，为了私利坑害整个华社声誉的垃圾
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看热闹的不怕事大，骂完把人弄死又怎样？人家几千万又不会分你一毛钱。
那个老头估计也是小看人心吧
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这么有“经验”的人是不可能小看人心的，应该是计划好的，利用人心才对。。。哈哈
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那他这样说话，最终谁是beneficiaries
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据说现在是工党在花钱给他们免费的“宣传”，你觉得谁会是beneficiaries？
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国家党
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