2015年2月13日 星期五

THE CLASSIC RAGS-TO-RICHES STORY OF THE HINDUJAS

THE RAGS T0 £11.9BILLION RICHES STORY OF THE HINDUJAS

It is your classic rags-to-riches story for a family now said to be worth £11.9 billion. 
The Hinduja brothers built their empire from humble beginnings in the Indian subcontinent and came top of Britain’s rich list in 2015.

The family business was started by father Parmanand, in 1914 when he arrived in Mumbai, or Bombay as it was then, to learn the art of commerce and founded the Hinduja Company. 

Just five years later, he had expanded abroad, moving operations to Iran where the company remained until the overthrow of the Shah in 1979. 

Known in their native India as the Fab Four, all of the brothers are teetotal and vegetarian. Sri and Gopi moved to London, third brother, Prakash, lives in Geneva and the fourth, Ashok, remains in Mumbai. Sri – who is also known as SP – took over control of the global company following the death of his father in 1971. 

Over the years, the family have not been without their share of controversy. 

Following a £1million donation towards the ‘Faith Zone’ in the Millenium Dome, it transpired that Peter Madelson had speeded up Sri’s application for a British passport, forcing him to resign. 

In another incident, the brothers were accused of accepting kickbacks from now defunct Swedish Bofors Company as part of a deal to buy guns – an allegation flatly denied by the family and thrown out by Delhi High Court. 

The family’s Ashok Leyland company caused controversy when it announced it was selling army vehicles to the Sudan army, claiming they were not for military use. 

Comedian and campaigner Mark Thomas claimed it contravened UK arms export legislation but a report he filmed for Newsnight was pulled after the claims were disputed by lawyers for the family.

The family remain one of the most powerful in world business with former President Bill Clinton and many British politicians, counted as friends. 

They have shared their extraordinary wealth by funding scholarships, hospitals and charitable foundations.

Sanjay is the eldest son of the Hinduja family, who are known for their love of an expensive wedding. 

The 1996 joint wedding of the three Hinduja sons, Ajay, Ramkrishnan and Dheeraj, was attended by almost 10,000 people. 

In 2009, the family decided to 'trim down' one cousin's wedding. That time, they only invited 6,000 people.


Happy couple: Sanjay Hinduja married Anu Mahtani - pictured here in Mayfair - after a long-term romance
Sanjay Hinduja married Anu Mahtani - pictured here in Mayfair - after a long-term romance

Emma Roberts bundles up in fur coat and knee-high boots

Emma Roberts unveiled her refined sense of style when she arrived to her SoHo hotel on Thursday.

The actress flashed a flirty grin while clad in a chic fluffy black coat and knee-high boots before heading out to explore all that New York Fashion Week had to offer. 

City style! Emma Roberts unveiled her refined sense of style when she arrived to her SoHo hotel on Thursday
City style! Emma Roberts unveiled her refined sense of style when she arrived to her SoHo hotel on Thursday

Emma's cropped blonde hair sat upon her shoulders in silky waves and framed her flawlessly made-up face.

Her fresh make-up consisted of coral blush, lip balm, and a natural finish of foundation to coat her blemish-free complexion.

Finishing off her winter ready look was a monochrome print turtleneck sweater, tight jeans, and a pair of printed shades.

Flawless: The star's make-up consisted of coral blush, lip balm, and a natural finish of foundationFlawless: The star's make-up consisted of coral blush, lip balm, and a natural finish of foundation
Flawless: The star's make-up consisted of coral blush, lip balm, and a natural finish of foundation

Girl time: The American Horror Story actress was joined by a gal pal for her trip to New York

2015年2月11日 星期三

按摩這五個穴位可以抗衰老

按黃金分割點來找,有5大黃金穴。中醫專家指出,常按摩這五個穴位可以抗衰老。

1.百會穴
在頭頂正中心。百會穴由於處於人之頭頂,在人的最高處,因此人體各經上傳的陽氣都交會於此。


按摩法:端坐在椅子上,用手掌按摩百會穴,每次按順時針方向和逆時針方向各按摩50圈,

每日2-3次,可以疏通經絡,提升督脈的陽氣。

叩擊法:用右空心掌輕輕叩擊百會穴,每次10下,可以保持心情舒暢,解除煩惱。
2.湧泉穴


在腳心。《黃帝內經》中說:“腎出於湧泉,湧泉者足心也。” 意思是說:腎經之氣猶如源泉之水,


來源於足下,湧出灌溉周身四肢各處。所以,湧泉穴在人體養生方面有重要作用。

每日堅持推搓湧泉穴,可使老人精力旺盛,體質增強,防病能力也會增強。
方法:取自然體位、仰臥位或俯臥位,用自己雙腳作相互交替的對搓動作,可也用腳心蹬搓床頭或其他器械。


3.關元穴​​——在肚臍下四橫指處。關元穴是小腸的募穴,小腸之氣結聚此穴並經此穴輸轉至皮部,

是養生吐納吸氣凝神的地方。中醫認為,關元穴具有培元固本、補益下焦之功。

按揉關元穴,可以調節內分泌。改善長斑、長痘痘的狀況。

(注意不可以過度用力,按揉時只要局部有酸脹感即可。受寒引發的痛經,熱敷此穴也有很好的效果。)


4.印堂穴——在兩眉連線的中點。印堂穴是經外奇穴之一,中醫認可的主要功用是清頭明目,

通鼻開竅。揪印堂穴可以有效緩解鼻部乾燥,使鼻腔內的黏液分泌增加,保持鼻腔的濕潤,還可預防鼻出血、鼻炎以及感冒等疾病。

方法:用屈曲的拇指和食指輕輕地揪印堂穴,並作輕柔和緩的揉動,以局部感覺發麻、發脹為宜。一般揪揉2分鐘。


5.膻中穴——在人體的中間部分,在兩乳頭連線中間。


膻中穴是心包經經氣聚集之處,又是任脈、足太陰、足少陰、手太陽、手少陽經的交會穴,能理氣活血通絡,寬胸理氣,止咳平喘。現代醫學研究也證實,刺激該穴可通過調節神經功能,有效治療哮喘、胸悶、心悸、心煩、心絞痛等。特別是有乳腺問題的人,可以經常按揉此穴。

每天按揉100下,時間約2~3分鐘。想不開的事、悶氣就這樣揉散了,人會特別安寧、舒心。

(揉的時候請注意:四指併攏,然後用指頭肚兒輕輕地做順時針的環形揉動或者從上到下按摩,千萬別從下向上推!)
睡眠黃金分割點:7.5小時


一天即一個晝夜24小時,如果將白晝和夜晚視為各12小時,按照黃金分割點定律,那麼人最理想的睡眠時間剛好是夜晚12小時的0.618,約7.5小時。

一般來講,睡眠宜早,入睡時間不超過晚10點,老年人不超過晚9點,是最好的作息規律。
護齒黃金點50歲


牙齒到了59-80歲基本會脫落,因此護牙齒的黃金分割點在35-50歲。

對於50歲以上的人來說,有個簡單實用的方法來護齒:少喝濃茶,改成嚼茶葉,茶葉以綠茶最好,既可以護齒,也可以去除口腔異味。

防老年斑:護好內臟黃金點

面容的抗衰老除了按摩黃金穴外,重點還在在護好內臟。
而內臟的黃金點在肝腎,肝腎不好的人黃褐斑、老年斑長得特別厲害。
護肝腎的黃金點在後背,經常用空心掌拍後背能加速肝腎排毒,皮膚顏色會變好。

2015年2月9日 星期一

Chinese Women Western Men Celebrity Couples


Wendi Deng Rupert Murdoch wedding picture
Wedding picture of Wendi Deng (29) and Rupert Murdoch (66)

Statistics claim that the most common pattern among interracial couples is the one where White men are married to Asian women.
In such case it shouldn’t be difficult to find also celebrity couples following this pattern. So, I decided to do some search and it resulted in the list of 10 couples in which Chinese woman is dating or married to a non-Chinese man, and at least one of them is a well-known personality.
These couples are presented in the reverse order (from 10th to 1st) according to my subjective perception of their celebrity status.


Zhu Chen and Mohammed Al-Modiakhi

Zhu Chen and Mohammed Al-Modiahki
Zhu Chen is the former World Chess Champion among women. She held this title from 2001 to 2004. In 2001 she married a Qatari grandmaster Mohammed Al-Modiakhi. They met during one of the chess tournaments in Malaysia and it was love from the first sight. Today Zhu Chen lives in Qatar and represents this country in chess tournaments.

Michelle Yeoh and Jean Todt

Michelle Yeoh and Jean Todt

Michelle Yeoh is the Malaysian actress of Chinese origin best known to Western audience as a “Bond girl” in the movie “Tomorrow never Dies”. People Magazine few times included her in the list of most beautiful women and that’s why her relationship with the former CEO of Ferrari racing team Jean Todt is sometimes called “Beauty and the Beast”.


 Laura Ling and Iain Clayton
Laura Ling and Iain Clayton
Iain Clayton meets his wife Laura ling after her release from North Korea

The journalist Laura Ling is famous for being detained for few months in North Korean prison. Sentenced to 11 years of labor camps she has been released only after the personal intervention of the former U.S. president Bill Clinton. Upon her arrival home she was met by her husband Iain Clayton – pictures of this meeting becoming popular all over the world. And less than a year later the couple welcomed their first baby.

7. Jennifer Chun and George Soros

George Soros and Jennifer Chun

George Soros is not only a famous businessman and philanthropist. He is also a well-known “womanizer” constantly changing his romantic interests. One of his latest interests was the Chinese American violinist Jennifer Chun.

6. Lucy Liu and Zach Helm

Lucy Liu and Zach Helm

No – they didn’t make it to altar. But one of the “Charlie’s Angels” has been dating and even engaged to Zach Helm – American writer and film director. He possibly regrets the missed chance. After all, in 2007 Lucy Liu was featured in the list of 100 sexiest movie stars.

Amy Chua and Jed Rubenfeld

Amy Chua family
"Tiger Mom" and her family

Yes, the famous “Tiger Mom” who presents herself as a symbol of strict Chinese parenting is not married to Chinese but to a Jewish American – Jed Rubenfeld – who is also teaching Law in Yale University. Curious fact: as Amy Chua says herself her two daughters “can speak Chinese, and they have been raised Jewish”.


 Zhang Ziyi and Aviv Nevo
Zhang Ziyi and Vivi Nevo

Zhang Ziyi is one of the best known to Western audience mainland Chinese actresses. She is also considered by many as one of the most beautiful women in China. Maybe this is one of the reasons why some Chinese felt “betrayed” when she started dating an Israeli venture capitalist Aviv Nevo. Last year, however, the couple split – Zhang Ziyi quoting cultural differences as the main reason for their break-up.

Wendi Deng and Rupert Murdoch

Rupert Murdoch and Wendi Deng

If you look for the epitome of gold-digger, look no further. Wendi Deng is a perfect example. First she got acquainted with American couple (Jake and Joyce Cherry) who were doing business in China and used them to get a student visa to America. Later she broke this couple and married Jake Cherry earning the green card. But soon they divorced because Wendi started seeing another man. And her searches for Mr. Right have finished only when at the age of 29, she met the multimillionaire Rupert Murdoch – then 66 years old – and married him 2 years later.

Tinglan Hong and Hugh Grant

Hugh Grant girlfriend
There are rumors that Hugh Grant's Chinese girlfriend is pregnant!

When Hugh Grant came to Hainan to participate in the golf tournament for celebrities, he possibly was infected with “Yellow fever”. How else can you explain his words at one press-conference:
“I am very happy to contemplate (getting) a Chinese girlfriend. I must say I’m very charmed by Chinese women, so far. I’ve been here only 24 hours, but I’ve fallen in love four times.”
And it seems that he indeed has found a Chinese girlfriend – 19 years his junior Tinglan Hong.

Priscilla Chan and Mark Zu

ckerberg

Mark Zuckerberg and Priscilla Chan
Not all millionaires are old and bald. Take, for example, Mark Zuckerberg – the founder of social network Facebook. At the age of 27 his personal wealth is estimated to be $13.5 billion. And there was always a high probability that the girl who could share this money with him would be of Asian origin. On his Friendster page (from pre-Facebook period?) in the section “What I enjoy doing” Mark wrote… “asian girls”. And it seems to be true. Since recently his longtime girlfriend Priscilla Chan became official

source: http://www.lovelovechina.com/celebrities/chinese-women-western-men-celebrity-couples/

Turning 60 no longer means that you're getting old

Why turning 60 no longer means that you're getting old: Number being affected by age-related illnesses almost halves in a decade 

  • Proportion of men and women with serious illnesses halves in a decade 
  • Improvements in diet, exercise and the use of statins credited with upturn
  • 7.7 per cent of those aged 60 to 64 have dementia, cancer or Parkinson's 
  • That is almost half the figure for those in 2002 who were seriously ill
Don’t be scared of retirement – sixtysomethings are no longer old.
The proportion of men and women in their sixties blighted by heart disease, cancer and other serious illnesses has almost halved in a decade, research shows.

Improvements in diet, reductions in smoking and the use of statins and other drugs designed to stave off ill health, are credited with bringing about the ‘dramatic’ upturn.

The proportion of men and women in their sixties blighted by serious illnesses has almost halved in a decade (pictured posed by models)
The proportion of men and women in their sixties blighted by serious illnesses has almost halved in a decade (pictured posed by models)

The first study of its kind found that just 7.7 per cent of the 60 to 64 age group in England had dementia, cancer or Parkinson’s disease in 2012 or had survived a heart attack or stroke.

This is almost half the 2002 figure of 13.8 per cent. Among the 65 to 69-year-olds, 11.7 per cent have one or more of the five serious illnesses studied – down from 17.3 per cent.

When all age groups are taken into account, the proportion of those aged 50-plus who are seriously ill has fallen from 15.8 per cent to 13.6 per cent.

Serious Illness in the Over 50s, attributes much of the drop to a fall in the number of heart attacks and strokes.

It says this could be down to people taking more care of their diet, realising the importance of exercise and quitting smoking.

The prescription of blood pressure pills and cholesterol-busting statins may also have played a role.

The fall in heart attacks and strokes may be linked to people taking more exercise and having a better diet (picture posed by model)
The fall in heart attacks and strokes may be linked to people taking more exercise and having a better diet (picture posed by model)

However, the golden years don’t last forever. The study, by the International Longevity Centre-UK think-tank, shows that ill-health is simply delayed.

Today, a bigger proportion of those aged 80-plus in bad health than in the past.
There are also more people aged 50-plus living with cancer, although this could be due to improvements in diagnosis and better treatments that increase survival. Alzheimer’s disease and other forms of dementia also on the rise.

The report states that this is ‘also likely due to better diagnosis but also general improvements in life expectancy and longevity, which mean more people reach older age and develop the condition’.

Experts said statins may also have helped prolong elderly people's health (file picture)
Experts said statins may also have helped prolong elderly people's health 

The analysis, commissioned by insurance company Engage Mutual, is based on a decade of data on the health of over-50s in England.

In all, an estimated 2.6million men and women are living with serious illness. This could increase to 3.4million by 2025, as the population ages.

Across the UK as a whole, the current figure of 3.1million people could rise by almost a million.

Ros Altmann, the government tsar for older workers, said: ‘It’s fantastic news. Most older people in their 60s will not be old in the conventional sense.’

David Sinclair, director of International Longevity Centre-UK, said told the Sunday Times that the NHS has got a ‘temporary reprieve’.

He added: ‘The research shows that even over a short period of time we have successfully reduced serious illness among older people.

‘But we must not be complacent. Our ageing society is going to put increasing pressure on the NHS over the next ten years.

‘On the one hand, the research paints a picture of a potentially healthier older population aged under 70. A success story perhaps part'y attributed to effective preventative treatments such as statins. But it also paints a bleak picture of more people in their 90s suffering from serious illness.

‘This research suggests that health interventions have helped us live healthier for longer. And it strengthens the case for continued investment in the prevention of ill health in old age

Source: the mail

2015年2月6日 星期五

中國人全球忙着買房拿身份


【加拿大都市網】境内房産限購、樓市調控令中國人海外置業持續升溫,葡萄牙、西班牙等一批非傳統移民國家因經濟原因推出優惠移民政策,加之手續簡捷,成爲中國購房者新熱點目标。調查顯示,逾四成購房者是爲了移民,其次是子女教育及投資。

事實上,在過去的幾年裏,歐洲多個國家都先後出台了類似的投資移民政策。無論是最早的塞浦路斯“購置30萬歐元房産獲歐盟綠卡”政策,隻需25萬歐元獲綠卡的希臘,還是後來西班牙50萬歐元置業移民新政、匈牙利債券移民,歐洲房産移民以其手續簡單快捷、獲批成功率高、無須出示資金來源、沒有移民監、沒有學曆語言要求等特點引起了中國人極大的興趣。 

“沒有什麽居住的要求,不像其他國家要住很久。”林耀的妻子覺得這點很重要。按照規定,黃金居留許可的持有者第一年隻需在葡萄牙累計住滿七天,此後每兩年累計住滿十四天,就能夠續簽。由于家裏的生意都在中國,林耀想保留着中國國籍,未來幾年也沒有過去長住的打算。

“我經手的客戶裏,90%以上都是不打算過去住的。”據Jack介紹,選擇歐洲房産移民項目的客戶大多都是像林耀這樣,以經商爲主的中年成功人士,也是所謂的高淨值人群。他們希望通過拿身份獲得簽證便利、爲孩子提供更多選擇,但自己絕大多數時間仍在中國。
在地段的選擇上,中國買家往往會選擇首都及其周邊地區,然後根據各人的喜好,選擇适合自己情況的房産。 

福建房地産商林耀一家,從正式決定在葡萄牙置業,到成功獲批“黃金居留許可”,隻花了三個多月的時間。

2013年10月,因爲一次和朋友的閑談中聽說了葡萄牙房産移民的政策,他和妻子平生第一次走進了那個位于歐洲伊比利亞半島西南部的陌生國度。在不到一周的行程中,他們在仲介顧問的陪同下,花了兩天時間考察了位于首都裏斯本的七八處房産,就迅速地與當地的開發商簽訂了購房合同。

《中國新聞周刊》消息,在裏斯本的銀行開設了賬戶,支付了房屋定金,又走馬觀花地遊覽了一圈之後,林耀與妻子便回到了中國,由仲介和律師接着爲他們辦理與那套價值55萬歐元的房産相關的一系列後續手續。2014年1月,林耀一家四口如願拿到了由葡萄牙政府簽發的爲期一年的居留許可。


如此直接、高效的過程正是葡萄牙“黃金居留許可計劃”吸引人的一部分。根據法案規定,非歐盟國家公民的外籍人士,凡在葡萄牙境内購置價值不少于50萬歐元的房産,全家均可獲得臨時居留許可。此後隻要繼續持有房産并按照要求定期續簽,五年後即可獲得葡萄牙的永久居留簽證,六年後可申請入籍。

雖然葡萄牙至今深陷歐債危機,政府财政更一度瀕臨破産,而裏斯本和中國之間也沒有直航航班,交通、氣候等皆陌生,但對林耀一家來說,他們的目的簡單而明确,就是拿到身份。林太太曾遭遇兩次赴美簽證申請被拒,“心理陰影”久居不去。拿到居留許可雖然不等同于移民,但他們已經能自由出入包括法國、意大利在内的26個申根國家,免去辦簽證的所有手續和擔心,五年後還可獲永久居留。作爲非傳統移民國家,葡萄牙的這一政策無疑是爲了緩解歐債危機給本國經濟造成的重創,用“身份”換取外資“自救”。顯然,這個看上去不得已而爲之的政策卻絲毫沒有妨礙像林耀這樣中國購房者的投資熱情。


在前往葡萄牙之前,林耀夫婦剛把大女兒送到加拿大讀高中,但該國投資移民的門檻提高,手續也越來越麻煩。而林耀之所以選擇葡萄牙,而不是其他歐洲小國,還因爲朋友透露,持葡萄牙護照可享受172個國家免簽或落地簽,這也是葡萄牙在過去一年成爲中國買家首選的主要原因之一。據北京一家歐洲移民仲介工作人員Jack介紹,和其他國家相比,葡萄牙是老牌的發達國家,對房産移民的要求更寬松,政策也更明确,因而是目前歐洲移民市場上最受歡迎的國家。自2012年10月至2014年10月,葡萄牙移民局共批準了1681個購房投資者的申請,其中中國投資者占總人數的85%。

“從2013年下半年開始,人數有了一個井噴式的增長。”Jack介紹,在此之前,最早推出房産移民政策的塞浦路斯,盡管不是申根成員國,拿到居留許可也不能免簽入境其他申根國家,而且在正式入籍之前不能在當地工作,但由于當時整個歐洲隻有這一個房産移民項目,仍曾吸引了大批的中國投資者,其中甚至包括許多上市公司的老總。

伴随而來的,是快速積累的資金。兩年來,“黃金居留許可計劃”爲葡萄牙帶來了超過10億歐元的收益,其中9.72億爲房産投資。2014年5月,葡萄牙政府宣布退出歐盟貸款援助——這個曾經是歐洲負債最嚴重的國家,經濟開始呈現出了逐漸複蘇的勢頭。


意大利轉售平台專尋中國買家
在意大利有一家名爲“把它賣給中國人”的網站,網羅了意大利的方方面面,從香水到豪車,從店鋪到農莊,從廠房到企業,專門尋找華人或中國買家。意大利米蘭商會的統計數據顯示,在意大利居住的華人中,每五個就有一個是商人;當地華人企業位居移民企業之首,也沒有受到經濟危機影響,服務行業更是逆勢增長。

在“把它賣給中國人”網站的中文版上,挂着他們的口号:“意大利人登廣告找中國人做生意”。
這家網站目前收錄了近兩萬條産品、産業轉讓信息,信息内容全部是中意雙語。意大利人花42到90歐元就可以刊登轉讓廣告,由網站的專業翻譯人員将意大利文廣告翻譯成中文,發布消息的個人和企業隻需一次性支付翻譯費用即可。


《渤海早報》消息,該網站創建于2013年2月,創辦人嗅到了華人創業投資的商機,也抓住了華人礙于語言不通而有錢無處花的難題,在意大利深受歡迎,更将業務範圍拓展到了另一個深受經濟危機重創的歐洲國家西班牙。目前,該網站的法國版、德國版也已經上線。

在“把它賣給中國人”網站上,意大利人盧卡正在爲他的酒吧尋找新的買家,他在上面發布的轉讓信息已經有412人次的浏覽量。盧卡的酒吧位于意大利中部阿布魯索區的特拉莫市,現因收購其他生意需要出售,隻要66萬元人民币。高達12.7%的失業率和巨額的财政負擔讓意大利人很難得到貸款,32.1萬生活在意大利的中國人成了他們的目标買家。 


經濟複蘇教育好投資者青睐倫敦
作爲世界金融中心,英國倫敦一直是來自全球各地的高淨值人群選擇投資置業的熱門城市;由于中國樓市比之前有所滑落,而英國整體經濟的複蘇則帶動了倫敦房地産市場的發展,加上移民英國人數逐漸增多,英國基礎教育也越來越受歡迎等原因,中國投資者近兩年開始在英國活躍起來。

某房地産咨詢公司負責人張宏表示,根據他們的監測數據,三年前,中國大陸買家在倫敦購房的比例僅爲2%,截至2014年中已接近10%。而另一家投資置業公司的銷售總監文子嘉則認爲,在實際交易中,這個數字可能還會更高一些。《中國新聞周刊》消息,就該公司的銷售額來看,“2013年比2012年翻了兩番,到了2014年9月,就已經超過了2013年的份額”。文子嘉認爲這兩年還隻是一個開始:“現在還處于一個上升的階段,還是一個起點,沒有真正達到高峰期。”

據文子嘉介紹,倫敦的房産租金回報率比北京上海要高出兩三倍,如果市場穩定,房價的漲幅每年可達8%至13%。從市中心一區到六區,房産價值平均每六到十年就可以翻一番。而且,英國的貸款利率一般是2%至4%,相比大陸而言較低;首付隻需支付房産總價的一到兩成,對資金的占用也不大。不少留學生的家長會在孩子入學時就買下一套期房,付完首付就能拎包入住,爲将來做準備。

目前中國買家在倫敦購房仍以走量爲主,“一次性購買十套、二十套的客戶也大有人在”,但相比來自俄羅斯和中東地區熱衷于豪宅的買家,總體而言,中國人的投資金額并不高。 


杜廣平:我如何成功投資加拿大公寓

【加拿大都市網】最近加拿大央行公布了降息0.25%的消息,使華人矚目的房地産市場均有望再度火熱。投資房地産并不都是大老板才能做的事,一些技術移民及留學生轉成的移民,也可以用智慧和勇氣進入這個領域,還可以越做越大。記者在本專題采訪的幾位華裔移民,或是名校畢業生,或是留學北美的MBA、建築碩士,他們這些知識型人才,也做起了房地産投資。

中國大陸來的華人中有一個特有的現象,學曆高的人沒錢,有錢的人沒學曆。這與國内改革開放的時代環境有關,當時有學曆的通常會找到好工作,按部就班地在職場打拼;沒學曆的爲了尋找出路更願意下海當老板,做得好的就進入了富人階層。

也有人認爲,投資靠的是對機會的敏銳,敢作敢爲、願意嘗試新事物的精神。知識分子想得太多,容易患得患失,更喜歡搞技術、做專業人士,掙一份不錯的工資。

時代在悄然變化,新時代的老板越來越趨于高學曆,投資者也需要靠知識靠思維賺錢。本專題采訪的房地産投資者都是高學曆人士,起步時并沒有太多的資金。他們在大溫、加拿大及美國投資房地産,積累了豐富的經驗,也總結了一些教訓。且聽他們的精彩故事。

異地投資吃批零差價

杜廣平1990年到美國讀MBA,1993年來到加拿大,後來又回到美國,1997年再來到溫哥華。在美國和加拿大之間來來回回,使得他對美國和加拿大都比較熟悉。2002年開始投資房地産,之後成爲專業投資人。

2002年,杜廣平買了一個duplex作爲第一套投資房,從此一發不可收,經曆了房地産市場的高峰低谷,到現在已經12年了。他定下一個目标,每年都買至少一套,不管價格高低。他真的這樣做了,最多的一年一次買了24個公寓,一起買下再分拆賣出去。他投資房子的種類多,有獨立屋、城市屋、公寓、也有土地。地點分散,分布在加拿大兩個省,卑詩省和亞省;美國兩個州,德州和佛羅裏達。


異地投資要請物業經理
第一個投資房買在素裏,離他居住的溫哥華不太遠,自己管理,那個房子每邊上下兩套,總共住四家。當時他自己管理,嘗到了辛苦,也獲得了經驗,房子賣出去賺的錢,還讓他女兒上了私校。

其他的投資房都是異地投資,請物業經理管理。他的物業經理通常是地産經紀推薦的,從推薦的人選中,杜廣平打電話去面試,問他過去的工作經曆和管理物業的相關問題。他說,北美本地人通常不會撒謊,跟他們電話中談話,就可以對他有個基本的了解。

杜廣平通常喜歡選擇已經在管理很多房子的專職物業管理人,他們有經驗,管理房子認真。如果是兼職做的,容易被其他事務纏身,忽略房子的管理。爲了有後備,他通常在同一個城市選兩個物業管理人。一個不行,可以換另一個。他發現,物業經理對房子多的業主态度更認真,他不斷地增加房子,物業經理就很重視他這個客戶了。他說,給物業經理的管理費是按房租比例,通常是8%,

但房子多了,就有了談判能力。房子越多,管理費可以越便宜。

按他的經驗,屋主要留意出租房子的價格。物業經理爲了房子容易租出去,租客不愛搬家,通常希望低價出租。屋主要做功課了解市場行情。因爲是異地管理,杜廣平請物業經理代收租金。記者問,不擔心房租被物業經理卷走嗎?他說,與房客簽的合同講明,不收現金,隻收支票或本票,或者銀行轉賬付款給杜光平的公司。因爲房租不經過物業經理的手,就不會發生租金被拿走的情況。

“物業經理管理房子,比房東自己管更好。”他說,有些愛占便宜,又懂租屋法規的當地人租客,會跟房東玩遊戲。剛剛租下房子時,往往前兩個月是交租金的,到了第三個月開始不交租,房東起碼要多少一個半月的時間,才能走完程序把他趕走。到下一家,他再如法炮制。這樣他每三個月可以少交一個半月的房租。如果房東上告管理機構的時候赢了,房客也不會交錢,而是跑了。如果是房東自己管,房客找點理由,房東往往不會馬上去走趕他走的程序,耽誤的時間更長。物業經理則是按程序操作,每月都給不按時交租的房客發警告信(Notice),交了就繼續住,不交的馬上走法律程序,趕走壞租客的效率比較高。杜廣平在奇裏華克請的物業經理,同時管理的房子有300套,每月都發出幾十個警告信。

修理費是一個問題。零散的物業,通常是讓物業經理找人維修,費用較高。但如果規模經營,就可以自己雇人,大大節省維修費用。杜廣平與朋友在亞省投資的一個公寓樓,就請了專職的管理人員,讓他免費住一個房間,請他打掃和維修,大大節約了開支。

嘗到批零差價的甜頭
奇裏華克附近的一個小鎮Agassiz有一座45套房子的公寓,原屋主最初是整棟樓買的,用的是一個名字。後來屋主申請到每套房子可以有不同的屋主,再把房子一個個零售。在剩下24套時,2006年杜廣平和一位合夥人把房子全部買下來,拿到很好的價錢,相當于批發價。然後他就再把把房子一套一套賣出去,用18個月時間賣出去17套,還剩下7套可以視爲利潤。在賣出去前,他們把房子出租,也賺租金收入,再慢慢地等待好的價格将房子賣出。這樣操作利潤十分可觀,賺到150%的利潤。

2007年他與合夥人馬上把回籠的資金拿去亞省投資了一座公寓樓宇,準備一套一套賣出去,再操作一次賺批零差價。但不巧遇到經濟危機,房子不好賣,就出租了。曾有一段時間空置率較高,兩年後市場就正常了。他說,遇到市場不好,隻能等待時機。所以在做批零差價操作時,也要考慮風險,資金鏈不能太緊。

杜廣平說,批發轉零售可以賺批零差價及房租,也可以期望房價升值的差價。如果從買整棟房子開始操作,将整棟樓一個業主名字轉爲每一套房子不同名字再零售,賺每一個環節的錢,需要的知識多,周期也長。他通常喜歡選擇批發購買再零售,隻賺一個環節的錢。


這種操作方法也适合在開發商預售房子,要達到一定預售比例才能拿到開發的許可的時候。杜廣平說,這時候如果大量購買,可以與開發商談一個批發價。購買時通常需要與發展商達成協議,在發展商的房子賣掉一定比例後,批發購買的房子才可以出手,這樣才不會影響開發商賣房。杜廣平說,這種批發購買房子的方式,如果在大溫操作,風險比較大,因爲如果市場不好,開發商的房子賣不出去,你批發來的房子就不能出手。大溫的房租通常少于月供,還需要往裏面填錢。

從靠頭腦邁向靠資金賺錢
他認爲到美國做這種賺批零差價投資的風險比較小,月租通常可以做供房費用,還有盈餘。他在美國投資物業輕車熟路,但如果整棟購買或大量批發買進房子,還是遇到了資金瓶頸,他希望與有此想法的朋友一起投資,他負責管理。他打算做3到5年出手的項目,在美國不同城市投資。

說到美國房地産市場、加拿大房地産市場,他認爲這是個僞概念,每個城市的市場都有很大不同,全國的市場完全不一樣。他認爲應該投資在不同的城市,根據市場的高低起伏,在有的地方播種,在另外的地方收割。這樣可以抓住機會,抵銷風險。

他曾在美國讀書和工作過,對美國本來就比較熟悉。做房地産投資後,每年都到美國不同的城市考察,了解不同城市的房地産市場。他密切關注市場,尋找好的投資機會。他選房子通常找比較好的區,不會貪便宜到治安不好的區買有問題的房子。他說,白菜房是因爲市場危機,正常區的房子,跌到了很低的價格。治安不好地區便宜的房子,被他稱作垃圾房,他是不會碰的。

作爲專業人士出身的投資者,他最初用來投資的資金是從自家房子升值中再貸款(Refinance)出來的,後來買的房子多了,又趕上了市場上漲的好時候,每個房子都可以再貸款出來錢,就用于再投資。在漲得快的時候,他曾經每6個月到銀行再貸款。

談到成功投資房地産的經驗,他認爲靠的是思維。杜廣平說,人賺錢分爲三個階段,第一階段是靠手賺錢,這種方式規模受到限制;第二階段是靠腦子賺錢,規模受資金限制;第三階段靠錢賺錢,這個階段沒有規模限制了,不論是管理100萬的資金,還是1個億的資金,可以是同樣的操作。他目前處于第二個階段,正希望邁向第三個階段。他說:“有了資金,才可以操作更大的項目。”有規模的項目,在價格談判上更有優勢,還可以在管理和維修等方面降低成本,利潤将比零散的小項目更可觀。


 2015-02-03  |  來源 : 加拿大都市報加西版