Interesting quote :

Contrary to what American political commentators say, I do not believe that democracy necessarily leads to development. I believe lieve that what a country needs to develop is discipline more than democracy. The exuberance of democracy leads to undisciplined and disorderly conditions which are inimical to development. The ultimate test of the value of a political system is whether it helps that society to establish conditions which improve the standard of living for the majority of its people, plus enabling the maximum of personal sonal freedoms compatible with the freedoms of others in society.

If you follow the ideological direction of Europe, you are done for. There will always be a tussle within societies, as underachievers want more support, but addressing their needs must be done in a way that does not kill incentive.44 American and European governments believed that they could always afford to support the poor and the needy: widows, orphans, the old and homeless, disadvantaged minorities, unwed mothers. Their sociologists expounded the theory that hardship and failure were due not to the individual person's character, but to flaws in the economic system. So charity became "entitlement," and the stigma of living on charity disappeared. Unfortunately, welfare costs grew faster than the government's ability to raise taxes to pay for it. The political cost of tax increases is high. Governments took the easy way out by borrowing to give higher benefits to the current generation tion of voters and passing the costs on to the future generation who were not yet voters. This resulted in persistent government budget deficits and high public debt.

You like it or not, that is a reflection of us: "HK people", or certain % of HK people. Don't forget somebody (else) voted them in. They may get more votes in the next election because of that. They are actors (hopefully self-directed) after all. 

Same as废青, we as their parents (or the generation that ) that bought them up has to bear certain blames. 

今天，香港楼市处於高储蓄低负债、负存款/按揭利率、高通胀、欧美日QE而导致的低息环境、政府冇地未来冇供应、本地外地房屋需求大、现有低空率、高就业率、中高收入人士收入及数量强劲、一般程度的供楼负担比率（1/3）。我认为，未来几年楼市应可看大升（辣椒根本冇cope with 过上述每点，我看3年CCL可看140以上）

但长远看，民粹当道、无赖政客（饭民加盲目护主的建制）、无能特首加正苦弱施政能力、年轻一辈不涯得、不思进取、所谓争取假民主的人士，可能使到明明可以能成为伟大国际成市的香港衰落及落后其他竞争对手，起码长远看

但是，香港始终现在还有很强的优势及财力，要佢衰落可能还有一段长时间。我只是一个小市民小中产，我无力去扭转这个香港发展的困局。

所以，我认为，在可以揾钱的时候，必须要赚尽，有钱起码还有权去选择去与留，况且我认为今日香港楼市处于好似94-95年般的境况，起码还有一大浸可以揾。老实说，明明大好前景，本应无必要咁消极。但点都好，揾埋厘转先讲，边行边走，简单D讲就系执生

我未能靠投资食过世，所以我好努力工作。工作上，我会让自己学识香港以外的东西，尤其大陆的 exposure 及work knowledge。

虽然大家净系听我讲楼市分析，其实我在大陆工作已有10年，而我十分熟悉大陆的商业法规（国地税、海关、劳动合同法等、免抵退）及某些香港法规，如何把一些所谓唔掂的一套国内东西变至香港监管标凖，以及 执国内烂摊子更是我的强项。只要肯用脑，问题总能解决。

学多D野你手，始终冇坏，亦可使到自己工作上多D选择，不论在地区上或者工种上

睇到厘度，大家可能觉得我悲观。其实我并不悲观，只不过系想凡事凖备好D，多D退路俾自己走啫。我好讨厌“被硬食”的感觉，所以可以的话，都想留多条路走啫。有很拣，总好过冇得拣

预测楼市首先要摒除心魔???