Showing posts with label affordability. Show all posts
Showing posts with label affordability. Show all posts

Saturday, June 6, 2026

Real estate has now become very expensive; how do you find shelter for the future generation

Nation building via learning and being the best in business

Early on this post tried very hard and entered into housing development in order to provide affordable housing for the working class.   The housing loans were P180K at most but land was cheap:   2 numbers and construction cost was still 4 digits.

But now raw land is in high 4 to 5  (in some areas this is 7 numbers) numbers and construction cost is in mid 5 numbers.     You cant reach their affordability  level.  And the wages, productivity are not keeping up.  

Are we in the same status as other countries where affordability, even rent is beyond the rich of the middle class (even In Japan, US, Europe) that is why citizens sleep in cars or tent (homelessness is up)

What happens to our childrens housing?  What can be the solution?   Capsule shelters, tents?








Friday, March 26, 2021

Class A and B Markets, cash or installment

Looking forward to the future of business

Rizal Philippines 
3.26.2021







In the discussion for a marketing plan in 2021.  debate raged between :  cash only but with huge discount, or extended payment no dp, o interest.   This post gave in to later.  In the midst of unemployment or failed business, we can not pretend that the market is normal, we expect lower revenues due to lower affordability of unemployed masses.  

Hence  this post is amazed of continuing efforts to sell high ticket items like cars and real estate.  Surprisingly, home sales in US is booming, car sales in 1st qtr of 2021 went up.  The rest of the world exhibited negative growth.  

This post is bearish on new investments and more careful.    Yes we can under a JV arrangement where cash outlay is minimized.

It depends on how much you can bear risk of low or zero cash flow