In the past, I’ve been thinking about how to achieve financial freedom and be a millionaire by 35 through property investment. But I have long passed this stage. I begin to think about my relationship with this society and how I can contribute and give it back – Property Soul, Founder of Property Club Singapore
The above are words of wisdom extracted from one of the email exchanges I had with Property Soul a few months ago when she approached me to do a book review on her new book “Dirty Truths and Profitable Secrets to Building Wealth Through Properties”. For the uninitiated, Property Soul is one of the local finance bloggers who specialize in real estate investments. She is quite well-known in the local finance blogging community and she shared a lot of useful tips on property investments in her blog. Many Singapore readers benefit from her sharing and obviously she has a lot of fans.
I believe there is no award for the best investment blogger in Singapore, but if there is, I would definitely nominate her. Why? Simply because of her passion and contributions to our society. Unlike other bloggers who are actually property agents trying to sell projects online, Property Soul is a thought leader who strive to drive the right principles among real estate investors, especially the novice ones. She has a day job in a different industry but yet she is able to start a successful property investment blog, launched a book, found a club and even hold seminars. So when she wrote that her aim is really to give back to society, I believe her. In that poignant moment when I read the above paragraph written by her, I was very touched by her lofty goal.
Far too many Singaporeans, including me, are consumed by the color of money. We are often too absorbed in climbing up the corporate ladders that we fail to think about our evolving identities in this society, much less about giving back to our society. Do we actually work to live or we live to work? Like me, many Singaporeans’ single desire in life is to become rich and retire early in life. There are even finance bloggers who espouse the merits of tracking daily expenses and how to win the investing game by taking short cuts. But how many of us would devote our time and effort on more meaningful endeavors, like doing full time volunteering work during the peak of our careers?
For a while, Property Soul’s golden words forced me to re-examine my values in life. Sure, money is important and we should always respect money. But life can be strange. Once you start to chase after money, you become its slave. In this respect, I am still learning how to give and take. Very often, Singaporeans like to take but hates to give. I remember there was a comment from one of my readers who wrote that Property Soul’s fee is a deterrence to him attending the seminar. What a joke! I told him off and wrote that there is no free lunch in this world. For this small amount of money, he was able to gain valuable knowledge which would potentially make him a better investor. If he don’t even believe in investing in himself, he don’t deserve to become rich. Why waste time on stingy and selfish people who would not succeed in life? I would rather mix with positive people who are open minded and keen to improve their knowledge. Singaporeans don’t realize that you don’t become a smart investor overnight, as it takes time to build up your competency.
To this end, Property Club Singapore is organizing a seminar on property financing and TDSR Framework Education. Home-owners and property investors should grab this opportunity to educate themselves on the process of financing their property. You can register for the seminar through here.
Learning how to invest is a life long journey. Don’t be stingy to yourself. Start to invest in yourself.
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What are the common misunderstandings of the TDSR framework?
Which is the best tool for step-by-step calculation of affordability and debt ratio?
How to negotiate with banks for the best deal for your property mortgage?
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How do banks deal with late payments, loan defaults and negative equities?
Date : September 21, 2014 (Sunday)
Time : 2.30 p.m. – 5.00 p.m.
Venue : National Library Building
1. Registration fee includes a goodie bag from sponsors.
2. Seats are limited. Registration will be closed once function room reaches full capacity.
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