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ention when the liverpool captain shouts the battle rally there is something different with the squad this season the players are showing that special kind of affection to the club the desire to succeed as a team and the will to drag your comrades across the finishing line when the red hot strikers sturridge and suarez fail to lit the match coutinho and sterling will stand up to be counted when sakho and skrtel fail to stop the opposition mignolet will go full stretch to tip the ball away when the team goes under pressure to defend a lead lucas and toure will step in and take responsibility when a bomb dropped in front of your battalion henderson jumps into it with no hesitation and takes one for the team when you need nerves of steel to stab in that injury time winning penalty gerrard puts it away to spark wild celebrations there is no me in the current squad it is always we for every pre and post match interview every single player will say the same thing we want to win it we will take it one game at a time we will try to stop them from scoring i ll trade my goals if we can go and win it we we we we we this season is some sort of breakthrough season for liverpool not only the team gave the supporters something to cheer about they gave them something to dream for majority of the neutral fans and even some rivals are now willing the team in red to hang on at the top come end of the season because it has just been some kind of special thing brewing in the red half of merseyside it s a wonder to see some manchester united fans want this liverpool team succeed because if there is one person that really deserves to lift the premier league trophy at least once in their career it is steven gerrard brendan rodgers took the helm for a little less than 2 years and my words how he has galvanized the sleeping giants 52 wins out of 93 games 200 goals scored entertaining passing football with dazzling results reinvented a goalscoring midfield captain to anchor the defensive line plucked the little brazilian from italy and gave him the magic wand saved the career of a forgotten striker gave confidence to a make weight midfielder to reclaim a national team spot pushed a young fullback to become one of league s best prospect enhanced a burnt out miniature winger to become world beater tamed a wolverine to lead the goal and assist charts anything more and people will worship rodgers like god and you can be rest assured robbie fowler wouldn t mind that anthing can happen between now and end of the season liverpool can probably go on and win it for the first time in 24 years but we can also probably lose steam and falter before the finishing line whatever the league position come mid of may it has been a fun roller coaster ride led by our manager and captain how long has it been for a liverpool supporter to be able to feel such elation in the last couple of few decades even if we end the season with nothing the least liverpool has given us like how the majestic flying banner hovered over anfield yesterday said the dare to dream this splendid display of swashbuckling football was a fitting tribute just days before we pay respect to the 96 fellow supporters from the hillsborough tragedy we can now really see the golden sky shining at the end of the storm and you can be darn sure that you ll never walk alone in this posted by livingmonolith at 1 01 pm no comments labels football monday march 03 2014 5 years ago today i know i said 2013 may be the year i stop blogging but this topic has been lingering for a while and i have nowhere else to share the story with the kind of attention facebook will attract coupled with twitter s limitation i guess i will just have to jot it down here and keep the blog alive for another year these days many friends still think that i got lucky that i accumulated some some not a lot properties in past five or six years before the market hit sky high these couple of years accumulate is a strong word though i prefer to think that the bank owns still but i dislike the notion that people like to think that i got lucky approximately five years ago my wife then girl friend decided to venture into our first joint name property investment she just started work for about a year or so and i was struggling to balance my bank book with the car loan and after completing a separate purchase a year before that things didn t look as rosy as people tend to paint them these days but five years ago we were pretty much like any ordinary couples out there who were dreaming about having a small slice of the property pie in the market we had a small budget around rm15 000 to rm20 000 in our savings we spent very little back then to pamper ourselves we seldom travel overseas we drive simple cars we ate simple meals we almost never shop we saved every penny to accumulate a decent sum which we thought was enough to make a bold move but even then rm20 000 was still a small figure back then so we hunted for studio units because studios are the only ones we can afford we spent nights after work weekends and public holidays viewing houses or sometimes just drive around and sit in the car to study the demographic and community in the area we decided to purchase we probably looked at about 50 over units before getting the right one we sat down two years ago and counted we have been to almost 100 new properties launches excluding unit viewings when we finally decided to sign on the dotted lines the owner decided to raise the selling price we were pretty distraught then and were contemplating whether to go ahead and figure out our financial plans later or look for a different one and start all over and throw six months worth of research down the drain then we gather some information from the agents and found out there was a unit which the owner may have interest in letting go but was never put up for sale we pushed the agents to obtain the owner s contact and tried to convince him in letting go which he finally did after considering for a month or so we were elated but the fairytale endings don t end this early with our budget having to pay off the 10 downpayment coupled with the legal and loan fees we were pretty much broke so we had to think of something and so we did we asked the owner if we can jack up the selling price in the s p in order for us to obtain a higher loan which will cover a big portion of what we initially had to put in the downpayment it took him another few weeks to decide but in the end he said yes back then there were no rpgt yet and so the deal went on and lasted for about half a year before the transaction was closed when we finally got the vacant unit we knew we had to do something to it if we want to rent it out at a higher price compared to those listed at that moment so we decided to rent a fully furnished unit but we were down to like rm10 000 after saving some from the downpayment and to change an empty unit into a fully furnished unit with rm10 000 is a pretty tall order so we did what cheapskates would do d i y we bought the paints and painted the walls ourselves we bought furniture on cheap deals and transport them in our tiny little kelisa we spent the nights after work cleaning up the place and decorating it and with a few hundred ringgits left from our budget we spent them on a wallpaper to cover one side of the wall and make the entire place looking chic and then we marketed it ourselves in hoping to save on the commission that part didn t work though we spent several weeks during night time and weekends bringing in prospects to view and in the end it just didn t happen one lady viewer wanted to reserve the unit for a week for her to move from kuantan but ended up a dud when she refused to pick up calls after we blocked off several viewing appointments in the coming week so we finally brought in an agent and told him to market it 20 higher than anything that s in the market then just to make up the commission over the course of the tenancy i am not sure how things worked out differently but he found a japanese expatriate to move in after just two weeks and surprising did not even negotiate for a lower rental five years down the road we have changed tenants twice this third tenant being japanese as well and we are still getting the same rental over this period of time our cash on cash return broke even some time in the third year 2012 and since then the unit has been generating positive cash flow for us which in turn ended up in other investments and so that s the story i wanted to let out from my chest all these while maybe i am being too confident but if i had to use a word that best describe the ordeals we went through five years ago a few came into mind determined diligent hardwork preseverance could be any of those but lucky after all those that we ve gone through i don t know you tell me posted by livingmonolith at 1 26 pm no comments labels investment personal monday february 04 2013 the end i was browsing through a few blogs that i used to follow when i started blogging back in the mid 2000 and no surprises when i say most of them have left their blogs unattended or perhaps updating only once a month mind you these were few of the celebrity bloggers back then when project petaling street was still a useful link to find wonderful writings news and jokes these days almost everyone owns a blog and may i add everyone claims themselves as a blogger just because they own one maybe internet was much more of a luxury back then i can remember almost every single blogger who has graced the blogsphere because almost every post i read in pps were properly thought written and expressed i enjoyed spending time online reading blogs until 3 4 years back when everyone began to have something to say or they think they do and blogs become the best tool for them to express their inner thoughts and feelings i have no issues with that really but when everyone are sharing it on a public blog ping of sorts that s when pps became a junk generator webpage i grew tired of it stopped blogging regularly stopped reading the great articles and posts because it s too hard to filter which posts are genuine with misleading titles and adverts a common sight and subsequently had no interest whatsoever anymore some great bloggers survived some improvised few turned to twitter and maintained a good fan crowd some decided that they ve grown out of it there is after all life outside the room i certainly am no celebrity blogger nor was i an avid blogger to begin with but 2013 could yet be the year that sees my last post i don t know i don t have much to tell nowadays life s great the end once or twice in a year i ve thought of shutting down this blog for good but wiping out my written memories for the past 7 years does seem a little wasteful i don t know but perhaps 2013 will see my last ever post one year before my 10 years anniversary in blogging and this being my 333rd post since my first one in 2004 if that holds any meaning at all how time has changed and how blogging has changed posted by livingmonolith at 2 51 pm no comments labels personal tuesday november 27 2012 demotivated sometimes i wonder if i should just take it all in or is that a wrong decision i m sick and tired of the traveling working all day long all night long every single day my aching foot has been a thorn for over two months stupid traffic jams lack of sleep sometimes going a full day with not a dot of rice going into my mouth all because i give a fuck the doctor said i am too stressed and need to take the pressure off my chest i wish it s as easy as she says perhaps i should just don t give a flying fuck or is that what she s hinting me posted by livingmonolith at 8 46 pm no comments labels personal friday may 25 2012 where students go real estate follows how true is the statement above from today s news straits times well no doubt wherever the student population clusters we tend to see a demand in amount of rental properties and with that certain types of real estate investors will venture into these markets and try to make some profit out of it but are students good tenant prospects for long term on the positive side one will almost need not worry about their property being left vacant for long even for a semester break chances are you will hardly have the unit unoccupied for 3 months but reading the paper s statistic i somehow believe the figures are poorly compiled and it s somewhat misleading to generate a feel good factor to justify the articles published well yes it s not hard to find students who are willing to fork out rm1 100 00 monthly on rental alone but does the author honestly think there are tons of these wealthy students across the country apparently a unit of 1500sf to 1600sf is worth between rm700 000 00 to rm800 000 00 and rentals can averagely fetch a cool rm4 000 00 to rm5 000 00 which makes the rental yielding a 7 8 return either i m detached from reality or the author is i was a student not too long ago but surely inflation has not gone that bad back in 2006 a corner unit of a double storey terrace with over 2000sf was worth rm550 000 00 can only fetch rm1 500 00 in rental i was one of those students renting at such price and i paid rm130 00 monthly in a household of 10 we can barely find expats willing to pay rental over rm3 000 00 for fully furnished units these days and the author would like to make us believe there are groups of few students who re willing to pay much more and even if these students exist 7 8 rental yield is very much in most savvy investors eyes a very laughable return none of my rented units yield as low as the figure given and if anyone thinks that s a great deal then i m secretly rejoicing for the lack of astute competitors perhaps one will think i m overreacting but i will most definitely not though i ll never say never venture into students market in this country sadly because returns is not as good as the author projected it to be and the ever changing pool of tenants students do graduate don t they will prove to be a hassle and waste of resources to those who seek agent assistance in letting out and finally i can almost never find a property returned in good condition after a tenancy expires this i speak from experience i pity my landlord when we returned the keys he actually sold it off to someone who demolished the whole unit to rebuild something else i wonder with the current trend of journalism how further backward will we continue to go i don t mean to criticize all journalists but i would rather read lame bieber related news than real estate articles with outrageously optimistic datas written by journalists who i suspect have not even bought one property just because they have to write up an article to submit on a deadline posted by livingmonolith at 5 45 pm no comments labels investment friday may 18 2012 ynwa my king the sacking of of kenny dalglish didn t seem much like a surprise but still the mann...