房奴甲 发表于 2017-5-6 19:30
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 ...
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.
房奴甲 发表于 2017-5-6 19:30
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 ...
NewLynnHse 发表于 2017-5-6 19:32
还真的有说过
https://www.propertytalk.com/forum/showthread.php?37755-NZ-herald-article&p=364478#p ...
房奴甲 发表于 2017-5-6 19:36
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 ...
keepower 发表于 2017-5-6 20:10
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 ...
房奴甲 发表于 2017-5-6 20:26
这个师傅也够可以的，大嘴也有点一脉相承。
快乐123 发表于 2017-5-6 20:31
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 ...
yellowtail 发表于 2017-5-7 10:17
成败论英雄 谁会在意你怎么成功的？
yellowtail 发表于 2017-5-7 10:17
成败论英雄 谁会在意你怎么成功的？
nasi_chilli 发表于 2017-5-7 13:18
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 ...
阿海 发表于 2017-5-7 14:04
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 Twi ...
阿海 发表于 2017-5-7 14:04
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 Twi ...
NewLynnHse 发表于 2017-5-7 14:09
哇，拿你们当炮灰，你们不反击吗？
阿海 发表于 2017-5-7 14:51
9月大选自然揭晓
auckland.clark 发表于 2017-5-7 19:26
身体有病可以治，脑子有病不好治。
NewLynnHse 发表于 2017-5-7 19:29
说清楚点，谁脑子有病？
阿海 发表于 2017-5-7 14:51
9月大选自然揭晓
kingscat 发表于 2017-5-7 21:15
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 ...
NewLynnHse 发表于 2017-5-7 21:17
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 ...
kingscat 发表于 2017-5-7 21:20
那他这样说话，最终谁是beneficiaries
NewLynnHse 发表于 2017-5-7 21:21
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？ ...
kingscat 发表于 2017-5-7 21:23
国家党
NewLynnHse 发表于 2017-5-7 21:24
kingscat 发表于 2017-5-7 21:26
互相栽赃嫁祸。
jsmith2 发表于 2017-5-7 22:42
已經勸過他們要謹記 “悶聲發大財” 的聖言古訓大道理，他們不聽，現在已經有太多子彈在飛，擋不住了。 ...
快乐123 发表于 2017-5-6 20:31
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 ...
NewLynnHse 发表于 2017-5-7 14:09
哇，拿你们当炮灰，你们不反击吗？
jsmith2 发表于 2017-5-7 22:42
已經勸過他們要謹記 “悶聲發大財” 的聖言古訓大道理，他們不聽，現在已經有太多子彈在飛，擋不住了。 ...
take-away 发表于 2017-5-7 17:48
看样子贵教对阻止工党上台有招了
neverlose2008 发表于 2017-5-8 10:53
我怎么觉得，豆腐教主是工党的卧底？
NewLynnHse 发表于 2017-5-6 19:32
还真的有说过
https://www.propertytalk.com/forum/showthread.php?37755-NZ-herald-article&p=364478#p ...
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