17 KEMEWAHAN GILA KEDIAMAN RASMI PERDANA MENTERI SELURUH DUNIA,LAST SEKALI BUAT KORG PITAM

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17 GAMBAR2 TER AMAT MEWAH Kediaman Rasmi Perdana Menteri Seluruh Dunia,YG PALING tersohor..mcam istana tu yg last sekali..2 biji je tapi-Kos Selenggara Sahaja RM12,094,707.06 ,korg bygkan ajela rumah nya mcm mn hebat. klik sini

Ada yang besar ada yang kecil. Ada yang baru dan ada yang dah digunakan ratusan tahun. Mari lihat kediaman rasmi perdana menteri dari beberapa negara di dunia.

Memetik sumber dari sebuah blog, kami paparkan 16 kediaman rasmi perdana menteri dari seluruh dunia.

PM MALAYSIA Apa yang boleh kami katakan berpinau juga kami melihat angka-angka yang diberikan oleh Datuk Seri Nazri Aziz di Parlimen. Apakah yang diselenggarakan sehingga mencecah jutaan ringgit setiap tahun? Mana tidaknya, kos penyelenggaraan rumah rasmi Perdana Menteri & Timbalan Perdana Menteri iaitu hanya 2 biji sahaja telah pun mencecah sejumlah RM12 juta selama tempoh 3 tahun.

Jawapan di Dewan Rakyat : Berapakah Kos Selenggara Rumah Perdana Menteri & Timbalan Perdana Menteri?

Menteri di Jabatan Perdana Menteri, Datuk Seri Mohamed Nazri Abdul Aziz menjawab melalui jawapan bertulis bagi soalan yang dikemukakan oleh Ahli Parlimen Padang Terap, Mohd Nasir Zakaria di Dewan Rakyat. Jawapannya, umlah kos selenggara rumah Perdana Menteri & Timbalan Perdana Menteri bagi tempoh empat tahun iaitu daripada tahun 2008 sehinggalah 2011 adalah berjumlah RM12,094,707.06. Di man :

1. Kos selenggara kediaman rasmi Perdana Menteri (Datuk Seri Najib Razak) di Sri Perdana : RM6,977,401.80
2. Kos selenggara kediaman rasmi Timbalan Perdana Menteri (Tan Sri Muhyiddin Yaasin) di Sri Perdana : RM5,117,305.26.

Perincian kos penyelenggaraan kediaman rasmi Perdana Menteri dan Timbalan Perdana Menteri bagi tahun 2008 hingga 2011.

Kos penyelenggaran Kediaman Sri Perdana :

• tahun 2008 – RM1,896,616.80
• tahun 2009 – RM1,686,616.80
• tahun 2010 – RM1,520,514.00
• tahun 2011 – RM1,873,654.20

Kos Penyelenggaran Kediaman Sri Satria :

Rumah Sri Satria

• tahun 2008 – RM1,129,992.00
• tahun 2009 – RM1,130,007.26
• tahun 2010 – RM1,401,502.00
• tahun 2011 – RM1,455,804.00

Tidak kami sangka Istana yang sedemikian indah menjadi mangsa perbuatan vandalisme sehingga kos penyelenggaraannya mencecah jutaan ringgit. Teruk sangatkah “workmanship” sehingga terpaksa berbelanja dan berhabis sedmeikian rupa?

Mungkin di zaman TV hitam putih, kami mungkin tidak dapat maklumat & melakukan sedikit kajian terdapat sesuatu laporan berita yang dikeluarkan…Tetapi tidak untuk sekarang ini. Semakan kami menunjukkan terdapat satu laporan berita yang menarik perhatian kami yang dikeluarkan portal Hufing Post & New York Magazine di mana ada kaitannya untuk dijadikan renungan…

Obamas Paying for White House Renovations Personally

At a time when people are having trouble holding on to their houses, Barack and Michelle Obama have sensibly decided not to use taxpayers’ money to renovate theirs. New presidents are allotted $100,000 to overhaul the White House residence and the Oval Office, and the Obamas hired Hollywood decorator Michael S. Smith (known, per his site, for mixing “Old World classicism with very contemporary settings”). But the First Couple isn’t spending that money. They “are not using public funds or accepting donations of goods for redecorating their private quarters,” says Camille Johnston, director of communications for the First Lady. Nor is the couple, who reported $4.2 million in household income in 2007 tax returns, using money from the White House Historical Association, a privately funded foundation that paid for a $74,000 set of china shortly before Laura Bush left town.

But does this mean they’re going to spend more than $100,000 or less? Though Michelle Obama has talked up Pottery Barn, Smith’s client list includes cost-is-no-object types like Rupert Murdoch, Steven Spielberg, and former Merrill Lynch CEO John Thain—for whom he procured that $87,783 rug. “There’s no question that he’ll get it done in the way that it’s supposed to be done,” says Smith client and Democratic donor Katherine Chez. “But how, I don’t know.” The White House declined to disclose the budget, saying that all expenses would remain private as a result of the Obamas’ decision to absorb the cost.

Apa yang diharapkan tidaklah sampai kami mahu melihat seorang pemimpin kami bergelandangan ataupun tinggal di kediaman yang serba tidak cukup tetapi harapan kami, kalau boleh kurangkanlah siri-siri pembaziran. Seperti laporan berita yang pernah kami keluarkan sebelum ini, kita sudah tahu yang mana 

Jika pemimpin negara maju seperti negara Amerika Syarikat mampu membezakan yang mana satu keperluan penting untuk negara dengan kehendak diri sendiri apatah lagi melibatkan duit pembayar cukai di Malaysia, mengapa tidak seorang pemimpin negara membangun seperti Malaysia mencontohinya. Mencontohi apa yang baik, mengapa tidak?sumber

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How to Get the Best Rate on Your Commercial Mortgage

Commercial mortgage borrowers often ask us how lenders determine the rates that they offer on commercial mortgage loans. There are many criteria that lenders use when determining rates, but lenders will assess the relative risk of a loan when reviewing a loan application. The lower the risk, the lower the rate. The higher the risk, the higher the rate. It is important to understand what factors are important to lenders and underwriters.

- Borrower Qualifications. Lenders will analyze a borrower or guarantor's net worth, liquidity, cash flow, credit history and real estate experience in determining overall risk. Lenders like to see borrowers with a good history owning and managing similar properties. They want to see sufficient cash reserves to cover unexpected issues that might arise and they expect to see that borrowers have a good history of paying their bills in a timely matter.

- Property location and market. Good quality properties in large metropolitan and suburban areas are considered lower risk than inferior properties and properties in small rural locations. Good properties in good locations are easier to rent in the case where tenants move out or situations where the remaining lease terms are short. For example, if a property in a poor location becomes vacant, it will require a significant amount of renovation to attract new tenants.

- Tenant mix. Multi-tenanted properties with good quality tenants and long-term leases are very desirable when financing office and retail properties. Lenders do not like vacancy, high turnover rates and properties in a constant state of flux. Lenders like to see well run properties that attract and maintain long term tenants

- Stabilized occupancy. Lenders look for properties that have enjoyed high occupancy levels with minimal disruption for the last 2 to 3 years. Properties with vacancies and fluctuating rental histories are considered higher risk. Lenders will ask for operating statements for the past 2-3 years. They expect to see steady occupancy and increasing net income. Properties that fluctuate wildly with income and expenses will generate lots of questions.

- Property Condition. Properties in good condition with little deferred maintenance are considered lower risk than properties in need of major capital improvements. Properties in poor condition will usually require that the lender set aside or escrow funds for repairs and maintenance. Properties in poor condition tend to perform worse than well maintained properties.

- Leverage. Loan-to-Value is very important in determining risk. A 50% LTV(loan to value) loan will price better than a loan at 80% LTV. If a property experiences difficulty, there is much more room for error on low leverage loans.

-Debt Coverage. This refers to the excess in net operating income over annual mortgage payments. The more excess cash flow a property produces, the lower the risk. Excess cash flow can be used to mitigate against turnover, repairs or other cash drain.

At the end of the day, lenders do not want to expose their lending institutions to undue risk. A borrower should be prepared to address all of these issues to the satisfaction of the lender at application in order to increase the chances of getting approved for a loan at the lowest rate possible.

Once you are qualified for a commercial mortgage loan, it is helpful to get an idea of your proposed monthly payment in advance. A commercial mortgage calculator is a very helpful and useful tool. Whether you are purchasing a new commercial building, or refinancing an existing commercial loan, it is helpful to know how much of a loan you can afford at today's rates. A commercial mortgage calculator will calculate your monthly payment for you. You will be asked to enter the loan amount, number of years, and interest rate. The mortgage calculator will calculate your monthly payment.

Stephen A. Sobin is an industry veteran with over 30 years of mortgage lending experience. Mr. Sobin is a proud member InterCapital Group, a nationwide alliance of commercial mortgage professionals. Stephen A. Sobin is President of Select Commercial Funding LLC. Visit http://www.selectcommercial.com for more information.

Article Source: http://EzineArticles.com/9251209

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