tag:blogger.com,1999:blog-59542819410188875412024-03-06T16:54:45.800+08:00FARID PUNYA BLOGBlog perkongsian pengalaman aku dengan harapan korang mendapat manfaat..!faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.comBlogger45125tag:blogger.com,1999:blog-5954281941018887541.post-51434521260589076102015-10-16T01:31:00.002+08:002015-10-16T01:31:06.313+08:00Laporan CCRIS jadikan Aku Jutawan Hutang !! Salam hormat wahai reader2. Salam Maal Hijrah. Apa khabar?<br />
Aku missing in action selama 4 bulan, sebab takde idea nak menulis.<br />
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Bulan lepas aku saja-saja singgah kat Bank Negara (BNM) lepas baca orang punya post pasal CCRIS.</div>
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<b>So, aku pon nak jugak tengok rupa laporan CCRIS aku, samada keadaan kewangan masih sihat atau sebaliknya.</b></div>
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Untuk ke BNM ni, orang boleh pakai Waze kalau nak drive pergi BNM @ KL ni atau kalau malas nak drive, boleh ambil KTM Komuter, stop kat stesen Bank Negara.</div>
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Pastikan korang ada bawak MyKad. Sampai kat pintu masuk lobi, pergi ke belah kanan. Korang dah boleh jumpa Kiosk CCRIS ni.</div>
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Pergi kat kiosk, ikut arahan mesin, masuk MyKad, letak ibu jari tangan (bukan ibu jari kaki ye!!) dan taadaa..report keluar. Macam kiosk EPF jugak.</div>
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<tr><td class="tr-caption" style="text-align: center;">Pintu masuk BNM</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Begini rupanya mesin kiosk CCRIS.</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Masuk MyKad, letak jari, report mari!!</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Report CCRIS page 1. <br />Angka 0 yang banyak2 belah kanan tu menunjukkan aku ni pembayar hutang yang baik, takde tunggakan. </td></tr>
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<tr><td class="tr-caption" style="text-align: center;">CCRIS report page 2, page yang tak best. <br />Kotak hijau tunjukkan jumlah "Approved Limit" (RM 1,947,128).<br />Kotak merah pula jumlah baki hutang (RM 1,749,611)</td></tr>
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Gulp...aku pon tak perasan, hutang aku sudah berbaki RM 1.7 juta.<br />
Kalau kira umur pencen pada 55 tahun dan aku berumur 34 tahun, hanya tinggal 21 tahun je nak bayar hutang.<br />
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<b>RM 1,749,611 / 21 tahun / 12 bulan = RM 6942!. </b><br />
<b>Tiap-tiap bulan aku kena bayar RM 6942 dari umur sekarang hingga aku pencen. Not good.!!</b><br />
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Apa hutang yang aku bela sekarang ni?<br />
Secara kesimpulannya, pecahan hutang aku yang di atas adalah seperti berikut:<br />
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<li>Loan rumah - 66%</li>
<li>Loan ASB - 18%</li>
<li>Loan kereta - 6.5%</li>
<li>Loan Peribadi - 5.7%</li>
<li>Overdraft - 2.85%</li>
<li>Credit card - 0.7% </li>
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Nasib baik 66% tu loan rumah. Kalau 66% tu loan kereta, mau aku dah pengsan dah!</div>
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<b>Akhir kata, apa yang nak aku share kat sini adalah semak la CCRIS korang dan ambil tahu la jumlah hutang korang. </b>So, kita boleh buat persediaan awal macam mana nak setelkan hutang.<br />
Sebab ajal maut tak tahu bila sampai.<br />
Kang tak pasal waris-waris kita bergaduh, sebab masing-masing elak nak bayar hutang kita.<br />
Kita pulak yang terseksa di alam sana..Nauzubillah..<br />
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<i>"Ya Allah, murahkan rezeki kami dan jauhkan kami dari bebanan hutang. Amin"</i></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com1tag:blogger.com,1999:blog-5954281941018887541.post-79367063095301561312015-05-26T14:10:00.000+08:002015-05-26T14:10:02.837+08:00DVD KOMPAS HARTANAH !!<div style="background-color: white; font-family: helvetica, arial, 'lucida grande', sans-serif; font-size: 14px; line-height: 17.5636348724365px; margin-bottom: 6px;">
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com0tag:blogger.com,1999:blog-5954281941018887541.post-42302264670130262152015-04-08T13:48:00.004+08:002015-05-26T14:25:55.498+08:00Cerita Sedih: Kakitangan Kerajaan Kecundang Gara-Gara Scammer!<br />
Aku dapat pm dari seorang peminat, tanya pendapat pasal masalah kewangan beliau.<br />
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Biasanya aku hanya layan pm dari anak dara yang single dan masih bergetah.<br />
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Tapi setelah baca kisah sedih beliau yang berstatus bini orang dan beranak satu, aku rasa aku perlu share cerita ni agar aku dan kamu semua dapat ambil iktibar dan pengajaran.<br />
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<b><span style="color: red;">Nasihat aku kepada si puan ini:</span></b><br />
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<li><span style="color: blue;"><b>Tambah income</b></span>. Laki bini kena buat kerja part time yang memerlukan modal yang sangat sikit seperti berniaga nasi lemak, buat part time jadi cikgu tuisyen dsbnya.</li>
<li><b><span style="color: blue;">Tingkatkan cash flow positif.</span></b> Sekarang cash flow puan zero. Kalau duit bulan-bulan setakat ngam2, Nak buat apa pon tak boleh. Bincang dengan bank untuk buat debt consolidation. Kurangkan interest, panjangkan tenure dan kurangkan bayaran bulanan. Sekarang bayar hutang "bodoh" ni pon dah RM 2000 sebulan. Boleh tak bank adjust jadi RM 1000. At least boleh ada RM 1000 extra tiap2 bulan. </li>
<li><b><span style="color: blue;">Langsaikan hutang "tak guna</span></b>", hutang yang menipiskan poket ini. </li>
<li><span style="color: blue;"><b>Tukar liabiliti jadi aset.</b></span> Rumah kalau disewakan lebih untung, sewakan la. Puan sekeluarga sewa lah rumah yang lebih murah atau balik kampung duduk dengan parent. Kereta kalau mahal sangat, downgrade je kereta murah. Pastu cuba buat kereta sewa, ramai geng2 kereta sewa dalam FB yang boleh tolong. Ataupon jadi UBER driver. So jadi driver freelance. </li>
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PM beliau adalah seperti di bawah. Sila baca dengan hati yang terbuka.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSKTBdOa7uiLSz6fKG6l9GNfMMYBUfW-pxle6DPWQM3I3ZW_EiNKPDrh0E6YIamlqEValrwOk_uqgQQJeYLWwu-D4JLOGpHBfEmVtjmBtGgPFAcqvhSmppCUjsPpajQ6TG3F5AeKsNWeQ/s1600/pm+from+niena+penang+1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSKTBdOa7uiLSz6fKG6l9GNfMMYBUfW-pxle6DPWQM3I3ZW_EiNKPDrh0E6YIamlqEValrwOk_uqgQQJeYLWwu-D4JLOGpHBfEmVtjmBtGgPFAcqvhSmppCUjsPpajQ6TG3F5AeKsNWeQ/s1600/pm+from+niena+penang+1.jpg" width="504" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Page 1: Intro & Problem Statement</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXTIiZ8thzUI22rrscUVGm_U58i3X-ctRRWEamPtRjLVhHSosQfGiOJVbHExNwVzXcN5p6Vc38VUOAH373eqTHozENILevETYdpAkv5C5Tbrt3LgVlPuBcq1cAahH7eV9GY0EZuJ11z9M/s1600/pm+from+niena+penang++2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="271" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXTIiZ8thzUI22rrscUVGm_U58i3X-ctRRWEamPtRjLVhHSosQfGiOJVbHExNwVzXcN5p6Vc38VUOAH373eqTHozENILevETYdpAkv5C5Tbrt3LgVlPuBcq1cAahH7eV9GY0EZuJ11z9M/s1600/pm+from+niena+penang++2.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Page 2: Pendapatan suami yang bayar hutang AKPK???</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0ieCvSEfmtfLNGSyjyr0K1c46RUXf8nBzxl9phKaK9Co_k85GsLjuHGUruVCSzfaIupXlGL-VX9FooQwGESimwQ_bkk-Xkw5T8to8AE5DlsdppnnLau30XTSFt4tBotHpVpq3pt5Zmh8/s1600/pm+from+niena+penang++3.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="277" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0ieCvSEfmtfLNGSyjyr0K1c46RUXf8nBzxl9phKaK9Co_k85GsLjuHGUruVCSzfaIupXlGL-VX9FooQwGESimwQ_bkk-Xkw5T8to8AE5DlsdppnnLau30XTSFt4tBotHpVpq3pt5Zmh8/s1600/pm+from+niena+penang++3.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Page 3: Kisah tersontot oleh SCAMMER!</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhGaCpOJVNxywgz0BehfYA6E_GC2ULGs09-rTPmBU3CZ_pS6oHtIcFjOPT_ZzjvYZKbasFETlU_ccS-nmzD9Zx8-1fKTo0f_Cc-NFBozc8FqKZ3d87CPQOEHC0ikNPG_AfJmheMqxZSio/s1600/pm+from+niena+penang+4.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhGaCpOJVNxywgz0BehfYA6E_GC2ULGs09-rTPmBU3CZ_pS6oHtIcFjOPT_ZzjvYZKbasFETlU_ccS-nmzD9Zx8-1fKTo0f_Cc-NFBozc8FqKZ3d87CPQOEHC0ikNPG_AfJmheMqxZSio/s1600/pm+from+niena+penang+4.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Page 4: Nasihat & motivasi aku.</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgslGzihoMKR2oImHfF7I7knJV_PNsd8qiIYRuS1nSYuy67n5PwUXACe_O3RteznAXa9r4MgWmjyAhdxCeWq7GopuqpRN7X9Wd25mE3dCfjriak6N3zAtwCHxmQ3pUOUtP0T9wBM1vwnMY/s1600/pm+from+niena+penang+5.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgslGzihoMKR2oImHfF7I7knJV_PNsd8qiIYRuS1nSYuy67n5PwUXACe_O3RteznAXa9r4MgWmjyAhdxCeWq7GopuqpRN7X9Wd25mE3dCfjriak6N3zAtwCHxmQ3pUOUtP0T9wBM1vwnMY/s1600/pm+from+niena+penang+5.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Page 5: Cadangan pengadu untuk refinance rumah!</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH-FLZMxqq2zn6Nx6wl2jCN7Wk5lHEzM4guzxHFqYt4Mt_Gs5zjMB5jftYFmc34DfiZxBIqx1QsUxn0fqc2YwbLn2ZDOTWDGf1Hsnv7A8YHVlm13y78E8WoJ1MHDm2l-mRhPF2Jq7sVl4/s1600/pm+from+niena+penang+6.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhH-FLZMxqq2zn6Nx6wl2jCN7Wk5lHEzM4guzxHFqYt4Mt_Gs5zjMB5jftYFmc34DfiZxBIqx1QsUxn0fqc2YwbLn2ZDOTWDGf1Hsnv7A8YHVlm13y78E8WoJ1MHDm2l-mRhPF2Jq7sVl4/s1600/pm+from+niena+penang+6.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Page 6: Cadangan beliau dipatahkan oleh aku!</td></tr>
</tbody></table>
<b><span style="color: red;">Pengajaran hari ini:</span></b><br />
<br />
<ol>
<li><span style="color: blue;"><b>Sebelum nak invest dalam apa-apa skim, fikir dulu semasak-masaknya.</b></span> Jangan terpengaruh dengan gaya hidup mewah tukang promosi tersebut.</li>
<li>Kalau dah gatal tangan sangat, <b><span style="color: blue;">pastikan korang leburkan hanya 20% (bukan 100%) dari simpanan korang.</span></b> Anda masih boleh hidup dengan 80% baki saving dengan hati yang tenang kalau modal 20% tu hangus.</li>
<li><b><span style="color: blue;">Nak meminjam untuk pelaburan tu boleh, setakat 3-4 kali gaji sudah la</span></b>. Ini sampai 50 kali gaji. Maknanya beliau perlukan 50 bulan gaji untuk recover loss. (Itu pon kalau korang tak berbelanja langsung!)</li>
</ol>
<div>
<br /></div>
<div>
p/s: <i>Farid, ko punya advise tu macam susah, membebankan dan lambat nampak hasil. Takde cara cepat ke? </i></div>
<div>
<b><i>Ada. Pergi jumpa "scammer" yang menghabiskan modal ko dulu. Aku sure dia ada banyak teknik yang bagus !!</i></b></div>
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<b><i><br /></i></b></div>
<div>
p/s/s:<i> </i>Siapa-siapa ada cadangan lain, sila kemukakan.</div>
<div>
<br /></div>
<div>
p/s/s/s: <span style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.8500003814697px; line-height: 20.7900009155273px;">KORANG NAK BUAT SAVING UNTUK ANAK-ANAK KORANG?</span></div>
<div class="MsoNormal" style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.8500003814697px; line-height: 20.7900009155273px; margin-bottom: 0cm;">
<b style="font-size: 14.8500003814697px; line-height: 20.7900009155273px;">Boleh whatsapps / sms / call aku di 012-9196006 (FARID - UNIT TRUST CONSULTANT)!</b></div>
<div class="MsoNormal" style="background-color: white; margin-bottom: 0cm;">
<div style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.8500003814697px; line-height: 20.7900009155273px;">
<b style="font-size: 14.8500003814697px; line-height: 20.7900009155273px;"><span style="color: red;"><br /></span></b></div>
<span style="color: red; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 14.8500003814697px; line-height: 20.7900009155273px;">Panduan peta untuk pelaburan hartanah? Klik --><b> <a href="http://www.kompashartanah.com/hop.php?ref=7308f" target="_blank">KOMPAS HARTANAH!</a></b></span></span><b style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.8500003814697px; line-height: 20.7900009155273px;"><span style="color: red;"> </span></b></div>
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<b><i><br /></i></b></div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com9tag:blogger.com,1999:blog-5954281941018887541.post-9665001445652103762015-04-01T23:56:00.001+08:002015-04-01T23:56:13.135+08:00Ansuran Bulanan Rumah yang Tinggi? Gunakan Flexi Loan !! <div>
I'm back my dear!</div>
<div>
<br /></div>
<div>
<b><span style="color: blue;">Hari ini aku nak kongsikan macam mana korang boleh kasi kurang bayaran bulanan anda.</span></b></div>
<div>
Skil ini sebenarnya ramai yang telah aplikasikannya tapi lagi ramai yang tak tahu.</div>
<div>
<br /></div>
<div>
Sebab apa ramai yang tak tahu? Sebab bank takkan ajar, kecuali banker yang baik hati dan budiman. <i>(Aku bukan banker, apatah lagi seorang busker. Aku hanya seorang lelaki yang mana hatinya sudah dimiliki orang..!!)</i></div>
<div>
<br /></div>
<div>
<b>Cara-caranya:</b></div>
<div>
<ol>
<li><b>Masukkan semua gaji, duit sewa, duit kutu, duit KWSP dan apa jua sumber yang korang dapat dalam bulan tersebut dalam akaun housing loan flexi korang.</b></li>
<li><b>Bank akan sedut bayaran ansuran bulanan (prinsipal + interest/hibah/profit) korang pada satu tarikh yang ditetapkan. Dalam kes aku, bank akan sedut pada 22hb setiap bulan. </b></li>
<li><b>Bank akan kira interest / profit berdasarkan baki semasa dalam akaun flexi tersebut. (Kalau baki dalam akaun adalah tinggi, maka interest akan kurang.) </b></li>
<li><b>Lepas bank dah sedut, korang pakai la balik duit tu.</b></li>
</ol>
<div>
Faham tak? Kalau kurang jelas, lihat contoh real akaun aku seperti berikut:</div>
<div>
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRFlEmU94TpytxfE-WcUEhRHpUKHLokQOvtEcILJ1L3Ah6_gDIaL4SL9TwANsJDGKfgReW5E4wKAOciJK0gSdaHAAIHRN5IlPUx73gXaUyiBnNDIThBBpDFiH83yqQMuoUeI0-6eBpNeg/s1600/hsbc+LO+for+blog.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRFlEmU94TpytxfE-WcUEhRHpUKHLokQOvtEcILJ1L3Ah6_gDIaL4SL9TwANsJDGKfgReW5E4wKAOciJK0gSdaHAAIHRN5IlPUx73gXaUyiBnNDIThBBpDFiH83yqQMuoUeI0-6eBpNeg/s1600/hsbc+LO+for+blog.jpg" height="323" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><br />Gambar 1: Ini contoh LO yang aku dapat suatu masa dulu. Jumlah loan adalah RM 490,000.</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div>
</div>
</div>
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<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoGrfeMNLerLDFXxrbUkih93_BU2Bg_nkc5Gsf2XIWNaXAtrH54QgO0NiZegHpvWgdkSZ6X1VnoD1jy7g13zMyDxt2mIO_9xZJmPSgrbNZjMBfZBEORAg_2tcdDN7LCe5wa4uXKJ4teUI/s1600/installment+HSBC.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoGrfeMNLerLDFXxrbUkih93_BU2Bg_nkc5Gsf2XIWNaXAtrH54QgO0NiZegHpvWgdkSZ6X1VnoD1jy7g13zMyDxt2mIO_9xZJmPSgrbNZjMBfZBEORAg_2tcdDN7LCe5wa4uXKJ4teUI/s1600/installment+HSBC.jpg" height="355" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Gambar 2: Ini isi perut LO tadi. Diringkaskan, untuk loan RM 490K, <br />aku kena bayar RM 2,229 dari bulan pertama selama 35 tahun!</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXm8xkZtzAJxE-cH1N01o8T3M1BNLtMrP_BnjH9NOobK1QJp0xqU30h-06qD6Rsd89p_kAn3T_R_hXraEzZxKnGE1B30s4Ik8WqpI0ZhffMEyM-J_Dkcy4GgwybkgxgoQWlAu41AAKJt0/s1600/hsbc+mar+15.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXm8xkZtzAJxE-cH1N01o8T3M1BNLtMrP_BnjH9NOobK1QJp0xqU30h-06qD6Rsd89p_kAn3T_R_hXraEzZxKnGE1B30s4Ik8WqpI0ZhffMEyM-J_Dkcy4GgwybkgxgoQWlAu41AAKJt0/s1600/hsbc+mar+15.jpg" height="640" width="412" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Gambar 3: Realitinya, setiap 22hb bank akan sedut installment (Lihat bahagian "Debit"). <br />Tapi kenapa tidak RM 2,229? Kenapa RM 1700 - 1800 sahaja?</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfYjlXUsuaXmBV2JEyNrywrq3H7XuZHm6W3rIoZNb3U8WFkwjOQtqp6-EahUF_QOBi-ddDkYA_n-x1dpzvc9-6bwEi1Ev3aHvJsAlBGXno56AzywCVCwvhuq-pb75XRCWLLjk29YZs-8c/s1600/hsbc+jan+15.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfYjlXUsuaXmBV2JEyNrywrq3H7XuZHm6W3rIoZNb3U8WFkwjOQtqp6-EahUF_QOBi-ddDkYA_n-x1dpzvc9-6bwEi1Ev3aHvJsAlBGXno56AzywCVCwvhuq-pb75XRCWLLjk29YZs-8c/s1600/hsbc+jan+15.jpg" height="640" width="410" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><br />Gambar 4: Bayaran bulanan kurang kerana aku parking sekejap duit aku setiap bulan (Lihat bahagian "Credit")</td></tr>
</tbody></table>
<div>
So, korang sudah jelas? </div>
<div>
<b><span style="color: red;"><br /></span></b></div>
<div>
<b><span style="color: red;">Kesimpulannya disini, kalau pinjam RM 490K, korang tetap wajib bayar RM 490K (prinsipalnya).</span></b></div>
<div>
<b><span style="color: red;"><br /></span></b></div>
<div>
<b><span style="color: red;">Kita hanya boleh jimat interest bank dengan teknik ini, sekaligus mengurangkan bayaran keseluruhan dan memendekkan tempoh bayaran!</span></b></div>
<div>
<br /></div>
<div>
<b><span style="color: blue;">Teknik ini hanya boleh digunakan untuk </span></b></div>
<div>
<ol>
<li><b><span style="color: blue;">Housing loan yang Flexi & overdraf, bukan term loan.</span></b></li>
<li><b><span style="color: blue;">Flexi loan yang menggunakan Daily Rest Interest.</span></b></li>
</ol>
<div>
p/s: Flexi loan ini maksudnya loan yang akaunnya flexible, boleh masuk dan boleh keluar balik via ATM atau buku cek. Kalau korang punya loan takde ATM card or cheque book, tak flexi la namanya tu.</div>
<div>
<br /></div>
<div>
p/s/s: Nak tau lebih pasal daily rest? Baca <a href="http://faridpunya.blogspot.com/2013/06/aku-suka-daily-rest.html" target="_blank">entri</a> ini!</div>
</div>
<div>
<br /></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com11tag:blogger.com,1999:blog-5954281941018887541.post-84296210443904847512015-03-30T13:23:00.002+08:002015-03-30T13:23:30.260+08:00KISAH BENAR - TELUR EMAS SETIAP BULAN<div style="background-color: white; font-family: Arial, sans-serif; margin-bottom: 1.35em;">
<span style="line-height: 22.7199993133545px;">Aku rasa idea penulisan ini bermanfaat.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; margin-bottom: 1.35em;">
<span style="line-height: 22.7199993133545px;">Copy paste dari email marketing DSR Group! </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px; margin-bottom: 1.35em;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">=================================================================</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px; margin-bottom: 1.35em;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">[KISAH BENAR - TELUR EMAS SETIAP BULAN]</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Beli apartment A.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><u style="line-height: 22.7199993133545px;"><strong style="line-height: 22.7199993133545px;">Tahun 1</strong></u></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Monthly installment Apartment A - RM1,200. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Sewakan pada RM1,700. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Duit gaji direct bayar installment. Duit sewa buat saving. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Cukup setahun dah boleh kumpul<strong style="line-height: 22.7199993133545px;"> RM20,400.</strong></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"></span><br style="line-height: 17.0400009155273px;" /></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><u style="line-height: 22.7199993133545px;"><strong style="line-height: 22.7199993133545px;">Tahun 2</strong></u></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Modal terkumpul </span><strong style="font-size: 16px; line-height: 22.7199993133545px;">RM20,400</strong><span style="font-size: 16px; line-height: 22.7199993133545px;">. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Target beli apartment B. Target harga RM160k. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Alhamdulillah dapat below market. Boleh markup loan. Dapat balik modal RM20,400.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Sewa apartment B cukup-cukup boleh bayar installment. Tapi possibility untuk appreciation lebih tinggi. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Apartment A - Naikkan sewa RM1,800. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Cukup setahun dapat kumpul RM21,600.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Total saving selepas setahun = <strong style="line-height: 22.7199993133545px;">RM42,000</strong>.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><u style="line-height: 22.7199993133545px;"><strong style="line-height: 22.7199993133545px;">Tahun 3 </strong></u></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Modal terkumpul RM42,000. Repeat step di atas. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Target Apartment bernilai RM300,000.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><u style="line-height: 22.7199993133545px;"><strong style="line-height: 22.7199993133545px;">Tahun 4 </strong></u></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Repeat step di atas. Refinance Apartment A. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Target Condo bernilai RM500,000 pula.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Dan begitulah seterusnya.. sampailah boleh dapat <strong style="line-height: 22.7199993133545px;">rumah idaman bernilai jutaan ringgit.</strong></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Dalam tak sedar, aset bertambah, saving pun bertambah.</span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Yang penting bermula dahulu. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Dan paling penting, bermula dengan hartanah yang tepat. </span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;"><br style="line-height: 22.7199993133545px;" /></span></div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 12px; line-height: 17.0400009155273px;">
<span style="font-size: 16px; line-height: 22.7199993133545px;">Hartanah yang boleh berikan anda telur emas setiap bulan.</span></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com1tag:blogger.com,1999:blog-5954281941018887541.post-87257135252171846632015-02-21T00:34:00.000+08:002015-02-21T00:34:54.688+08:00Cerita Unit Trust : RM 100? Sikit-sikit lama-lama jadi bukit!<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
Seratus
ringgit? RM 100? Berapa cepat duit RM 100 boleh hilang dari wallet kita?<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
Aku tak tau
la korang, tapi kalau korang bagi RM 100 kat aku, aku boleh setelkan dalam masa
30 minit. Pergi petrol pam, isi minyak penuh RON 95 (60 liter x RM 1.70) = RM
102. SELESAI!<o:p></o:p></div>
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Kalau korang
ada note RM 100 lagi, bak sini bagi aku. Nak beli rokok pulak, Malboro Light RM
13.50 x 10 kotak = RM 135.00. SELESAI untuk stok aku naik laut. <o:p></o:p></div>
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<br /></div>
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Memandangkan
aku boros dan kurang disiplin bab menguruskan perbelanjaan duit cash ni (sebab
aku pakai CC), dari segi lahiriahnya memang boleh jatuh muflis. <o:p></o:p></div>
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<br /></div>
<br />
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Cukup la
bebelan, balik ke perkara pokok. Aku tak mahu RM 100 keluar dari poket aku
tanpa kembali semula. Jadi aku mula buat simpanan untuk anak kecik aku, Acha!
Buat satu akaun unit trust Public Islamic Opportunity Fund untuk dia, isi
borang Direct Debit RM 100, pastu jangan tengok-tengok dah.<o:p></o:p></div>
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<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsEQDdjCcUn9e9jc_PRpPNjRt3lFtMI3a2aBmjJfNFCFRj4Vr5awDHJuJn-CtVn0SyJPTFt9vseuRYdRbsMAHViajnGxoMd-s9-x7en_-7ew9EUa45_3SfNgK1DbuCQ6q5h1ulqTsTAEk/s1600/Unit+trust+Acha.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsEQDdjCcUn9e9jc_PRpPNjRt3lFtMI3a2aBmjJfNFCFRj4Vr5awDHJuJn-CtVn0SyJPTFt9vseuRYdRbsMAHViajnGxoMd-s9-x7en_-7ew9EUa45_3SfNgK1DbuCQ6q5h1ulqTsTAEk/s1600/Unit+trust+Acha.jpg" height="480" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Akaun PIOF Acha yang aku bukak dan simpan RM 100 sebulan sejak Acha umur 11 bulan.</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTMkFxOd4TmKBQ_k63gPsp7XSWsjixzAuBufZ53qclVEjTdqA2yX9xly57AadunRd3a-7jPSfUtT6HBDWTExYBMxLNFnVcZm9jx_iwZ0idEYjIn3NGrUFPvNgLN_5RZx3tbu7DuC0j7A4/s1600/Unit+trust+Acha+page2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTMkFxOd4TmKBQ_k63gPsp7XSWsjixzAuBufZ53qclVEjTdqA2yX9xly57AadunRd3a-7jPSfUtT6HBDWTExYBMxLNFnVcZm9jx_iwZ0idEYjIn3NGrUFPvNgLN_5RZx3tbu7DuC0j7A4/s1600/Unit+trust+Acha+page2.jpg" height="491" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Konsisten tanpa miss (sebab aku buat direct debit. Tak sempat nak pakai, dia dah sedut dulu masuk akaun Acha.)<br /> </td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUVWeBdAFDGbU3NT1oe5pkzxGZ1qKOW3x0r1T6nQB55AOpg4YMGtXW1CtEYwJWiTEQtXQsjOTgOECf3H4x8n8SRmVpwjZZ1Sw6I5YS1_neOlQtc7uiR4uWitpolea-K0AV6cW4wuFhJ-g/s1600/Unit+trust+Acha+page3.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUVWeBdAFDGbU3NT1oe5pkzxGZ1qKOW3x0r1T6nQB55AOpg4YMGtXW1CtEYwJWiTEQtXQsjOTgOECf3H4x8n8SRmVpwjZZ1Sw6I5YS1_neOlQtc7uiR4uWitpolea-K0AV6cW4wuFhJ-g/s1600/Unit+trust+Acha+page3.jpg" height="457" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Jumlah pelaburan yang dibuat dari Day 1 sampai 20/2/15 = RM 8700</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUbALxXQvgQCoUDPeo1A699WAQoPtG2jprMF5S3LV13SFfgww4-nCsROhKbSnQA3kQKgdCOZtxtBJslHJv47VMgHEEKSQUqqJyzLd4z4F9eTR5Hd-ErhKf62FIIm63bcRhNrDh3eo9vFM/s1600/Unit+trust+Acha+page4.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUbALxXQvgQCoUDPeo1A699WAQoPtG2jprMF5S3LV13SFfgww4-nCsROhKbSnQA3kQKgdCOZtxtBJslHJv47VMgHEEKSQUqqJyzLd4z4F9eTR5Hd-ErhKf62FIIm63bcRhNrDh3eo9vFM/s1600/Unit+trust+Acha+page4.jpg" height="297" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Kalau withdraw sekarang, value sudah RM 13232 (benar pada tarikh tertera)!! </td></tr>
</tbody></table>
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<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
Hmm..not bad la. Dari duit RM 100 sebulan tu hilang entah ke mana, at least ada la hasil sikit. </div>
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Kesimpulannya, inilah power of Forced Saving secara Direct Debit. Lebih disiplin, lebih konsisten!</div>
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<br /></div>
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KORANG NAK BUAT SAVING UNTUK ANAK-ANAK KORANG?</div>
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<br /></div>
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<b><span style="color: red;">Boleh whatsapps / sms / call aku di 012-9196006 (FARID - UNIT TRUST CONSULTANT)! </span></b></div>
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<b><span style="color: red;"><br /></span></b></div>
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<b><span style="color: red;"><br /></span></b></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com0tag:blogger.com,1999:blog-5954281941018887541.post-64922296088001384092015-01-08T12:49:00.002+08:002015-01-08T12:49:47.613+08:00PRAY FOR PANTAI TIMUR<b>Disember 2014</b>, pantai timur sekali lagi diuji dengan bencana banjir yang tidak kurang dasyatnya.<br />
<br />
Seluruh Malaysia, jumlah mangsa banjir dipindahkan hampir mencecah 150,000 orang dan 85% daripadanya adalah mangsa dari Kelantan, Terengganu dan Pahang. Tak payah ceritalah pasal kos kerosakan, sedia maklum dah. Memang terlalu banyak harta benda, rumah, kenderaan, keperluan asas dan lain-lain yang si mangsa sahaja yang tahu. Rumah yang dibina dari duit hasil kerja seumur hidup juga habis musnah.<br />
<br />
Aku doakan kepada mangsa-mangsa banjir agar bersabar dengan ujian yang dihadapi. InsyaAllah ada hikmah di sebalik ujian yang melanda.<br />
Kepada pada sukarelawan yang seikhlas hati membantu di sana, aku tunduk hormat pada tuan puan. RESPECT!<br />
<br />
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Sumber gambar: Internet<br />
<br />faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com0tag:blogger.com,1999:blog-5954281941018887541.post-82993369846265219702014-11-06T09:08:00.002+08:002014-11-06T09:08:35.717+08:00Menyelami masalah kewangan IKAN!Aku ada dapat email dari seorang pembaca blog yang sudi berkongsi status kewangan beliau dan minta aku fikirkan.<br />
Beliau seorang perempuan dan merupakan kakitangan kerajaan (but sudah jadi bini orang....hmmm).<br />
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Emailnya berbunyi begini.<br />
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Panjang kan cerita dia ni, so aku kelaskan soalan dia kepada beberapa perenggan untuk mudah aku<br />
jawab.<br />
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Ni jawapan aku untuk cik puan ikan ni.<br />
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<b>Perenggan no 1: Bayar lebih untuk setel hutang honda City. </b><br />
Bayar lebih hanya mencepatkan bayar hutang, tapi TIDAK menjimatkan interest. Untuk makluman, hutang kereta adalah ditetapkan masa kita sign loan, sebab loan kereta adalah FLAT rate!<br />
Kalau jumlah loan + interest adalah RM 50K, u kena bayar RM 50k jugak.<br />
<i><span style="color: red;">Cara cepat nak setel hutang kereta, jual je kereta tu!</span></i><br />
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<b>Perenggan no 2: Tiada dana kecemasan tapi ada emas RM 30k.</b><br />
Aku rasa untuk tujuan dana kecemasan, puan masih perlukan cash. Sebab kalau perlu duit tengah2 malam, bila masa nak pegi pajak emas. Gunakan duit extra RM 500 bayar kereta tadi, masuk dalam dana kecemasan. <br />
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<b>Perenggan no 3: Nak beli rumah ke nak beli ladang?</b><br />
Bergantung. Keperluan asas manusia mesti ada rumah, jadi cari la rumah dulu untuk keluarga puan. Takkan nak duduk dalam ladang kelapa sawit pulak. Kalau dah ada rumah, terpulang la pada puan nak beli rumah seterusnya atau ladang, janji boleh mendatangkan hasil bergantung pada masa, lokasi dan harga. <br />
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<b>Perenggan no 4 / 5 / 6: </b><br />
Jumlah gaji bersih puan adalah RM 1692.11, selepas campur nafkah sang suami tolak perbelanjaan bulanan. Simpan semua duit ni dalam ASB, TH atau unit trust (bab unit trust boleh contact saya terus, hehe). Cukup 12 bulan, jumlah simpanan sudah ada RM 20,305 (tidak termasuk dividen). Kalau berjaya sampai peringkat ni, saya yakin puan akan seronok tengok baki dalam akaun.<br />
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Biasanya, pada peringkat ini, puan akan mula jadi TAMAK. Puan akan terus menyimpan RM 2500 sebulan supaya hujung tahun nanti baki akaun puan ada RM 50,000 pulak!<br />
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Kesimpulannya, back to basic. Strengthen your foundation first before taking more loads. <br />
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Sekian saja perkongsian untuk hari ini. Semoga bermanfaat.<br />
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p/s: Besar jugak gaji orang gomen ni, not bad.faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com5tag:blogger.com,1999:blog-5954281941018887541.post-70371574903948654012014-08-31T23:11:00.002+08:002014-08-31T23:11:07.068+08:00Di Sini Lahirnya Sebuah Cinta!Hari ini 31 Ogos, aku ingin ucapkan "SELAMAT HARI MERDEKA".<div>
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Mari kita rakyat Malaysia rapatkan barisan dan bersatu mempertahankan kemerdekaan negara kita.</div>
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Hargailah pengorbanan perajurit negara mendaulatkan tanah air tercinta. </div>
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<b>MERDEKA ! MERDEKA ! MERDEKA !</b></div>
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p/s: Negara sudah 57 tahun merdeka, aku masih bertatih untuk keluar dari jajahan "hutang". Semoga aku dapat berlari dan terus "merdeka" satu hari nanti! Amin. </div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com2tag:blogger.com,1999:blog-5954281941018887541.post-1690124823747834062014-08-29T23:55:00.002+08:002014-08-29T23:55:46.954+08:00Balance Transfer Again!Musim Raya dah berlalu, duit pon banyak dah habis. Hutang kad kredit sudah menggunung. Hakikatnya, aku kurang disiplin kalau bab berbelanja ni. Bajet bulanan sudah dibentangkan dan di"review" setiap bulan, tapi biasa la kita hanya merancang.<div>
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Hasil perbelanjaan sepanjang bulan Julai, sampai sudah statement credit card (CC) aku bulan ni. </div>
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<b>Statement balance bagi Maybankard untuk bulan ini, kena dalam RM 6000 ++. </b></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggrkwpHx1T4rJ2FlPzoRBW29pSN_F_PlW7QBRYhG8isE1YTPbzSBveD9YNheqyie59V02sfYc8lDHhf49ThGPVNTRfsMOPUdPdRFJoa5C8uNZS_lyuBkb90ZkjnalSLN45hBJbsynRioM/s1600/CC+statement+july.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggrkwpHx1T4rJ2FlPzoRBW29pSN_F_PlW7QBRYhG8isE1YTPbzSBveD9YNheqyie59V02sfYc8lDHhf49ThGPVNTRfsMOPUdPdRFJoa5C8uNZS_lyuBkb90ZkjnalSLN45hBJbsynRioM/s1600/CC+statement+july.jpg" height="400" width="318" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Statement kebocoran duit!</td></tr>
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<b>Untuk tidak kena interest, aku kena bayar PENUH sebelum due date iaitu 3 Sept 2014.</b> Aku dah check bawah bantal, dalam tabung Rimau, bawah kerusi kereta, tak cukup nak bayar full bulan ni.</div>
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So, jalan penyelesaian untuk ini adalah balance transfer.</div>
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Download form balance transfer dekat website bank, isi hutang kredit kad bulan ni (campur dengan hutang-hutang kredit kad lain, kalau malas nak bayar) dan email balik ke email "customer service".</div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCxaTSulbmMvOWsFtSDyrGI4ub5wfwNN69pgPGvevu6EDkbzN78GcVQEJVunE5KgB0gHc-idEwTnWtH6tI4EFUoNrl8YdHM4lf5jf0AydDY_qZ7dz3URJQ8nEiVgkSQMRzhv2JSEIybUI/s1600/BT+transfer+form.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCxaTSulbmMvOWsFtSDyrGI4ub5wfwNN69pgPGvevu6EDkbzN78GcVQEJVunE5KgB0gHc-idEwTnWtH6tI4EFUoNrl8YdHM4lf5jf0AydDY_qZ7dz3URJQ8nEiVgkSQMRzhv2JSEIybUI/s1600/BT+transfer+form.jpg" height="400" width="357" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ni form yang aku isi dan submit pada 26/8/14. Total hutang transfer, RM 8800.</td></tr>
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Hari ni 29/8/14, aku check balik Maybank2u online, check bahagian hutang CC, "tadaa!"...hutang sudah settle!<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgojLwcfxGiFtdx-afT4_YzCS8UWO61cILrw9AXZri_4TmamU_Y1rtJ2M-8NJSiy4LebH4l0kYDRlRLOoqjIv2EsNyO-bDOyog4fihWzBL_XaCMmjkBc13igADXxUXNUdRC8W8Ttc7V2vw/s1600/mbb+statemeent.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgojLwcfxGiFtdx-afT4_YzCS8UWO61cILrw9AXZri_4TmamU_Y1rtJ2M-8NJSiy4LebH4l0kYDRlRLOoqjIv2EsNyO-bDOyog4fihWzBL_XaCMmjkBc13igADXxUXNUdRC8W8Ttc7V2vw/s1600/mbb+statemeent.jpg" height="321" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Lepas 3 hari submit form, hutang sudah selesai.</td></tr>
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<b>Misi berjaya! </b><br />
<b>Full settlement hutang CC bulan ni, settle sebelum due date dan balance transfer 0% interest.</b><br />
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Cuma starting next month, aku kena bayar bulan-bulan dalam RM 1466 ke kad PBB selama 6 bulan. huhu.<br />
At least duit RM 8000 tu boleh rolling ke tempat lain dulu, daripada aku bayar lumpsum ke bank MBB.<br />
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Sekian. <br />
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p/s: <b>Balance transfer ini adalah teknik pindah hutang dengan kadar yang lebih rendah. Hutang masih hutang.</b><br />
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<span style="color: red;"><b>Disclaimer: Jangan ingat hutang korang dah langsai terus dan penulis tidak bertanggungjawab sekiranya pembaca terus miskin lepas menggunakan teknik ini.</b></span><br />
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com5tag:blogger.com,1999:blog-5954281941018887541.post-92015185746460277772014-08-10T22:58:00.001+08:002014-08-10T22:58:07.574+08:00OPR naik 25 mata? Apakah kita terkesan?<ol style="background-color: white; border: 0px; color: #222222; font-family: arial, sans-serif; line-height: 15.600000381469727px; margin: 0px; padding: 0px;">
<li class="mod" style="border: 0px; clear: none; line-height: 1.2; list-style: none; margin: 0px; padding: 20px 20px 0px;"><div class="_Xj" data-tts-text="OPR" data-tts="answers" style="margin-bottom: 5px; margin-top: -3px;">
<span style="line-height: 1.2;">Salam hormat kalian,</span></div>
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<li class="mod" style="border: 0px; clear: none; line-height: 1.2; list-style: none; margin: 0px; padding: 20px 20px 0px;"><div class="_Xj" data-tts-text="OPR" data-tts="answers" style="margin-bottom: 5px; margin-top: -3px;">
<span style="line-height: 1.2;">Tanggal 10 Julai 2014, Bank Negara Malaysia telah mengumumkan kenaikan Overnight Policy Rate sebanyak 2.5 mata asas kepada 3.25 point. </span></div>
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<tr><td class="tr-caption" style="text-align: center;">Laporan berita berkenaan kenaikan BLR</td></tr>
</tbody></table>
<div>
<span style="color: #222222; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="color: #222222; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="font-family: arial, sans-serif; line-height: 19.200000762939453px;"><span style="color: blue;"><b>Abang Farid, OPR ni apa? </b></span></span></div>
<div>
<span style="color: #222222; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;">Sayang, sebenarnya bank-bank ni bukannya ada duit. Bila bank A nak buat bisnes bagi pinjaman kepada customer, bank A pun akan pinjam dari bank B. </span></span></div>
<div>
<span style="color: #222222; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="color: #222222; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;">Jadi, bank negara akan tetapkan kadar interest atas pinjaman antara bank ini. Kadar interest ini dipanggil Kadar Dasar Semalaman atau dalam bahasa jawanya "Overnight Policy Rate" or OPR. </span></span></div>
<div>
<span style="color: #222222; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="color: blue; font-family: arial, sans-serif;"><span style="line-height: 19.200000762939453px;"><b>So Abang Farid, bila OPR tinggi, apa kesan pada bank meminjam?</b></span></span></div>
<div>
<span style="background-color: white; color: #222222; font-family: arial, sans-serif; line-height: 1.2;"><br /></span></div>
<div>
<span style="background-color: white; color: #222222; font-family: arial, sans-serif; line-height: 1.2;">Sayang, bila OPR naik, maknanya bank yang meminjam kena bayar interest tinggi kepada bank yang dipinjam. Jadi bank yang meminjam punya untung sudah kurang.</span></div>
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<span style="background-color: white; color: #222222; font-family: arial, sans-serif; line-height: 1.2;"><br /></span></div>
<div>
<span style="background-color: white; color: #222222; font-family: arial, sans-serif; line-height: 1.2;">Untuk cover loss ni, bank yang meminjam akan berpakat sesama mereka, dengan restu BNM untuk menaikkan BLR, naik sebanyak 0.25% </span></div>
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<span style="background-color: white; color: #222222; font-family: arial, sans-serif; line-height: 1.2;"><br /></span></div>
<div>
<ul>
<li><span style="font-family: arial, sans-serif; line-height: 1.2;"><span style="color: blue;">Untuk local bank seperti MxB, CxMB dan sewaktu dengannya,</span><u style="color: red;"> kadar BLR naik dari 6.6% ke 6.85%.</u></span></li>
<li><span style="font-family: arial, sans-serif; line-height: 1.2;"><span style="color: blue;">Untuk internasional bank seperti Al-Raji dan sebagainya,</span><span style="color: red;"> kadar BLR naik dari 6.9% ke 7.15%.</span></span></li>
</ul>
</div>
<div>
<span style="color: blue; font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;"><b>Abang terkesankan dengan kenaikan OPR & BLR ni?</b></span></span></div>
<div>
<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;">Sayang, abang orang jawa. Orang jawa jiwanya kental. Laut dalam akan kurenang, inikan pula naik turun BLR.</span></span></div>
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<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;">Realitinya, efektif 1/8/14, abang kena bayar lebih untuk bayaran installment bulan abang.</span></span></div>
<div>
<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;">Contohnya seperti housing loan Al-Rajhi ni, BLR sudah naik dari 6.9% ke 7.15%. Kesannya seperti dibawah.</span></span></div>
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<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;"><br /></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZvv-AF0eyo-nXPweHGB4zX-VJJs0UMrk5zwxvCrNm9cxXr4J3IcZQ7WwZR_B745UMdE4Mt2QEQEE0vBtdAKiIniaZoi296gXx0ouckAX7vC8ShZWwgTNMKb1Z2OcUaVGV4ysUrRgbxxI/s1600/kesan+blr+naik.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZvv-AF0eyo-nXPweHGB4zX-VJJs0UMrk5zwxvCrNm9cxXr4J3IcZQ7WwZR_B745UMdE4Mt2QEQEE0vBtdAKiIniaZoi296gXx0ouckAX7vC8ShZWwgTNMKb1Z2OcUaVGV4ysUrRgbxxI/s1600/kesan+blr+naik.jpg" height="333" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Penyata terkini potongan bulanan housing loan abang.</td></tr>
</tbody></table>
<div>
<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;"><br /></span></span></div>
<div>
<span style="color: blue; font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;"><b>Eh, sian abang Farid kena bayar extra tiap-tiap bulan, nak saya tolong?</b></span></span></div>
<div>
<span style="font-family: arial, sans-serif;"><span style="background-color: white; line-height: 19.200000762939453px;">Takpe lah terima kasih. Cik Zura ada kat sebelah ni...hehe..</span></span></div>
<div>
<br /></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com4tag:blogger.com,1999:blog-5954281941018887541.post-3919611599769335412014-07-16T00:07:00.000+08:002014-07-16T00:07:31.799+08:00Kadar Zakat Fitrah 2014 Bagi Seluruh Negeri Di Malaysia !<b>Salam Ramadhan. </b><br />
<br />
Sudah lama aku tak update blog atau menulis entri-entri baru. Banyak faktor-faktor yang menghalang aku untuk menulis tapi faktor yang paling utama adalah MALAS (aku tak jumpa alasan lain yang lebih layak).!! Hehehe...<br />
<br />
Diam-diam dah masuk tengah bulan Ramadan dah tahun 2014 bersamaan 1435 Hijrah. Hari ini dah 15 Ramadan. Tengok kat langit malam ni bulan penuh sudah keluar, maknanya hari yang ke-15 la tu kalau ikut kalendar bulan Islam.<br />
<br />
Jadi maknanya kita ada 14-15 hari lagi nak berpuasa di bulan Ramadan yang mulia ini, dan tempoh ini juga memberitahu kita bahawa anda ada 14-15 hari juga untuk mengeluarkan zakat fitrah.<br />
<br />
<b>Berikut adalah kadar zakat fitrah bagi tahun 2014 untuk negeri-negeri di Malaysia.</b><br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3WJsAheppqqQb4BHSy4z0O7u3PE1PUricYPwgMiEbnLSmuH770ztvBn2WWgDtZxn3JZxKG45nChkL7vPVkgNcox6-rJY0OtqMpB155gPJCVgKd0LeTG1zbxIpKxE-cvh88gLKuwEc8Mk/s1600/kadar-zakat-fitrah-2014-1345h.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3WJsAheppqqQb4BHSy4z0O7u3PE1PUricYPwgMiEbnLSmuH770ztvBn2WWgDtZxn3JZxKG45nChkL7vPVkgNcox6-rJY0OtqMpB155gPJCVgKd0LeTG1zbxIpKxE-cvh88gLKuwEc8Mk/s1600/kadar-zakat-fitrah-2014-1345h.jpg" height="400" width="396" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Kadar Zakat Fitrah yang ditetapkan!</td></tr>
</tbody></table>
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Bagi mereka yang terlupa bab-bab zakat ini, berikut adalah soalan-soalan lazim berkaitan zakat fitrah sebagai panduan kita bersama<br />
(Sumber: <a href="http://www.e-zakat.com.my/zakat-fitrah/" target="_blank">Laman Web Lembaga Zakat Selangor</a>)<br />
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<ol style="background-color: #ededf4; border: 0px; font-family: 'helvetica neue', Helvetica, Arial, Verdana, sans-serif; font-size: 13px; line-height: 19.5px; margin: 0px 0px 0px 20px; padding: 0px;">
<li style="border: 0px; font-family: inherit; font-style: inherit; line-height: 2em; margin: 0px; padding: 0px;"><h5 style="border: 0px; font-family: inherit; font-size: 16px; font-style: inherit; margin: 0px; padding: 0px;">
<span style="color: blue;">Apakah pengertian Zakat Fitrah?</span></h5>
<div style="color: #666666; font-weight: inherit;">
Zakat fitrah ialah zakat diri yang diwajibkan ke atas setiap individu muslim lelaki dan perempuan yang berkemampuan dengan syarat-syarat yang telah ditetapkan oleh syarak.</div>
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<li style="border: 0px; font-family: inherit; font-style: inherit; line-height: 2em; margin: 0px; padding: 0px;"><h5 style="border: 0px; font-family: inherit; font-size: 16px; font-style: inherit; margin: 0px; padding: 0px;">
<span style="color: blue;">Apakah dalil zakat fitrah?</span></h5>
<div style="color: #666666; font-weight: inherit;">
Zakat fitrah dalilnya bersandarkan kepada Hadis Nabi S.A.W. riwayat daripada yang bermaksud:</div>
<div style="color: #666666; font-weight: inherit;">
“Rasulullah S.A.W. telah memfardukan zakat fitrah pada bulan Ramadan ke atas manusia dengan mengeluarkan satu gantang kurma atau satu gantang gandum (syair) ke atas setiap orang merdeka atau hamba lelaki atau perempuan orang tua atau kanak-kanak yang terdiri daripada orang Islam.”<br />(Riwayat Al-Bukhari)</div>
</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; line-height: 2em; margin: 0px; padding: 0px;"><h5 style="border: 0px; font-family: inherit; font-size: 16px; font-style: inherit; margin: 0px; padding: 0px;">
<span style="color: blue;">Adakah wajib berniat untuk membayar zakat fitrah untuk diri sendiri atau sebagai wakil?</span></h5>
<div style="color: #666666; font-weight: inherit;">
Setiap pembayar zakat atau wakilnya wajib berniat mengeluarkan zakat fitrah untuk diri dan tanggungannya atau sebagai wakil.</div>
</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; line-height: 2em; margin: 0px; padding: 0px;"><h5 style="border: 0px; font-family: inherit; font-size: 16px; font-style: inherit; margin: 0px; padding: 0px;">
<span style="color: blue;">Apakah syarat-syarat wajib mengeluarkan zakat fitrah?</span></h5>
<div style="color: #666666; font-weight: inherit;">
Syarat-syaratnya ialah:</div>
<ol style="border: 0px; color: #666666; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px 0px 0px 20px; padding: 0px;" type="i">
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Individu yang mempunyai lebihan makanan atau hartanya dari keperluan diri dan tanggungannya pada satu Syawal.</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Anak yang lahir sebelum (uruf) matahari akhir bulan Ramadan dan hidup selepas terbenam matahari Ramadan.</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Seseorang yang meninggal dunia selepas terbenamnya matahari akhir Ramadan.</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Menganut Islam sebelum terbenam matahari pada akhir bulan Ramadan dan berkekalan Islamnya sehingga awal Syawal.</li>
</ol>
</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; line-height: 2em; margin: 0px; padding: 0px;"><h5 style="border: 0px; font-family: inherit; font-size: 16px; font-style: inherit; margin: 0px; padding: 0px;">
<span style="color: blue;">Berapakah kadar pembayaran zakat fitrah?</span></h5>
<div style="color: #666666; font-weight: inherit;">
Kadar zakat fitrah ialah satu gantang Baghdad bersamaan 2.70 kg beras atau senilai dengannya. Kadar ini berdasarkan ketentuan oleh Pihak Berkuasa Agama Negeri.</div>
</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; line-height: 2em; margin: 0px; padding: 0px;"><h5 style="border: 0px; font-family: inherit; font-size: 16px; font-style: inherit; margin: 0px; padding: 0px;">
<span style="color: blue;">Bilakah waktu pembayaran zakat fitrah?</span></h5>
<ol style="border: 0px; color: #666666; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px 0px 0px 20px; padding: 0px;" type="i">
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Waktu Wajib : Akhir Ramadan sehingga terbit matahari.</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Waktu Sunat : Sepanjang bulan Ramadan</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Waktu Makruh : Selepas solat hari raya sehingga terbenam matahari pada satu Syawal.</li>
<li style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 2em; margin: 0px; padding: 0px;">Waktu Haram : Selepas terbenam matahari pada satu Syawal; hukumnya berdosa tetapi wajib ditunaikan segera zakat fitrah dan pada waktu itu ia dikira qada. Sekiranya masih dilengahkan, maka akan bertambahlah dosanya</li>
</ol>
</li>
</ol>
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Kesimpulannya, bagi mereka yang berkemampuan dan tergolong dalam golongan mereka yang WAJIB mengeluarkan zakat fitrah, silalah berzakat sebelum masuk "waktu haram".<br />
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Selamat berpuasa teman-teman, semoga ibadat kita diterima Allah. Amin!faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com0tag:blogger.com,1999:blog-5954281941018887541.post-77456298342568377732014-05-11T23:51:00.000+08:002014-06-23T12:39:58.244+08:00Misi Membeli Rumah Idaman bernilai RM 1 juta!<div>
Sorry korang, aku lama tak menulis. Idea tak mari la.</div>
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<br /></div>
<div>
Malam tadi aku lepak bersembang dengan seorang kawan yang sudah beli rumah 1 juta.</div>
<div>
So, aku pon sudah berangan untuk beli rumah berharga RM 1 juta jugak.</div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQdrYYBMTTJAHOZdbAx2VcrZXewRrR8-FYSZO3CGvM3OcKZ1PW05G28gchQdLpJ6xGbB2EhYbC1FEuPN08Mrc9NffVfsUFp3aLf7SCEjS1kJTWkE0d_S76OU-WzC6U1BbqfS9C2-Z8XY/s1600/iklan+mudah+1+mil.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQdrYYBMTTJAHOZdbAx2VcrZXewRrR8-FYSZO3CGvM3OcKZ1PW05G28gchQdLpJ6xGbB2EhYbC1FEuPN08Mrc9NffVfsUFp3aLf7SCEjS1kJTWkE0d_S76OU-WzC6U1BbqfS9C2-Z8XY/s1600/iklan+mudah+1+mil.jpg" height="492" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Rumah-rumah untuk dijual bernilai RM 1 juta ke atas.</td></tr>
</tbody></table>
<div>
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<div>
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<b>Cara-cara untuk memiliki rumah berharga RM 1 juta adalah sangat simple:</b><br />
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<b><span style="color: red;">1. Bayar downpayment 30%, dalam 300K.</span></b></div>
<div>
<b><span style="color: red;">2. Apply housing loan RM 750K iaitu RM 700K (untuk pinjaman rumah) dan RM50K (untuk legal dan valuation).</span></b></div>
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<div>
Korang nampak tak, tak susah kan nak beli rumah sejuta?</div>
<div>
Tak susah ko cakap. Nak bayar bulan-bulan satu hal, nak bayar downpayment pakai apa? </div>
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<br /></div>
<div>
<b>Penyelesaian secara matematik:</b></div>
<div>
<b><br /></b></div>
<div>
<b><span style="color: blue;">1. Downpayment RM 300K.</span></b></div>
<div>
<ul>
<li><b>Beli rumah pelaburan RM 100 ribu, jual balik harga RM 130 ribu. </b></li>
<li><b>Dapatkan untung bersih RM 30 ribu bagi setiap rumah.</b></li>
<li><b>Ulang langkah di atas sebanyak 10 kali (lagi banyak untung bersih hasil jualan, lagi sikit korang kena ulang langkah di atas) </b></li>
</ul>
</div>
<div>
<span style="color: blue;"><b>2. Loan RM 750 ribu.</b></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-Ay29wb9EkizXsWEyfE2S-ZSiQb_smHdMS9bA10becpUzx71PyDl9rkcdsgBwtgwQekqNBLn7YP0moD0KREcY_1vznaX0fb4SScRk-iPRdCc7ohJIzFgTQrEgQiDr_cV7Ia3eeespZuU/s1600/home+loan+calcu+750K.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-Ay29wb9EkizXsWEyfE2S-ZSiQb_smHdMS9bA10becpUzx71PyDl9rkcdsgBwtgwQekqNBLn7YP0moD0KREcY_1vznaX0fb4SScRk-iPRdCc7ohJIzFgTQrEgQiDr_cV7Ia3eeespZuU/s1600/home+loan+calcu+750K.jpg" height="298" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Pakej loan yang ditawarkan untuk loan RM 750, 000. Sila rujuk monthly repayment!</td></tr>
</tbody></table>
<div>
<br /></div>
<div>
Secara matematiknya, kau dan aku memerlukan duit sebanyak kurang lebih RM 3350 - 3400 untuk maintain bayar rumah kita yang satu juta tu tiap-tiap bulan, (atau hartanah anda akan dirampas!).</div>
<div>
<br /></div>
<div>
Jadi kalau bank kata "Maksimum 60% komitmen sahaja daripada gaji korang untuk bayar ansuran bulanan housing loan ni", <b>maka gaji korang kena ada minimum RM 5600!</b></div>
<div>
<br /></div>
<div>
Nak bayar bulan-bulan macam mana? Hutang lain banyak lagi saya kena bayar tiap-tiap bulan.</div>
<div>
<ul>
<li><b><span style="color: red;">Terminate hutang-hutang yang tak perlu tersebut! Kalau ada rumah banyak sangat, jual !!!</span></b></li>
<li>Kalau sangkut payment macam mana? Bayar pakai credit card !! Payment rumah kena cun, credit card boleh bayar minimum.</li>
</ul>
</div>
<div>
Kesimpulannya, </div>
<div>
<b>Kata kunci entri ini adalah "Rumah Idaman".</b></div>
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Semua orang mesti memiliki "Rumah Idaman" untuk <b>"diduduki"</b>.</div>
<div>
<b>"Rumah Idaman" mestilah SATU biji sahaja!</b> Bukan 10 rumah!</div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com2tag:blogger.com,1999:blog-5954281941018887541.post-12857287959348245412014-04-04T21:53:00.003+08:002014-04-04T21:53:48.368+08:00ASB 2. OK ke tak OK?Tanggal 2 April 2014, dana baru telah dilancarkan oleh ASNB, <b>Amanah Saham Bumiputra 2 (ASB 2).</b><br />
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Seperti abang kandungnya jugak iaitu dana ASB, <b>ASB2 hanya dibuka kepada bumiputra Malaysia dan saiz tabung yang diperuntukan untuk dana ini adalah 10 billion unit. Harga pun tetap, seringgit seunit jugak.</b><br />
Banyak ke 10 billion unit (atau 10,000,000,000) ini?<br />
Kalau dibandingkan dengan adik-beradiknya yang lain, saiz tabung ASB2 adalah bersaiz sederhana.<br />
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<b>Saiz tabung dana-dana ASNB (harga tetap).</b><br />
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<ul>
<li>ASB - Tiada had. </li>
<li>ASB2 - 10 billion unit.</li>
<li><span style="background-color: red;">ASW 2020 - 17.94 billion unit.</span></li>
<li><span style="background-color: red;">ASM - 14 billion unit.</span></li>
<li><span style="background-color: orange;">AS1M - 14 billion unit.</span> </li>
<li><span style="background-color: red;">ASD - 5 billion unit.</span></li>
</ul>
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<b>Saiz tabung dana-dana ASNB (harga berubah)</b></div>
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<ul>
<li>ASN - 2.5 billion unit.</li>
<li>ASN 2 - 2.5 billion unit.</li>
<li>ASN 3 - 1 billion unit.</li>
<li>ASG - 1 billion unit.</li>
</ul>
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Sedia maklum, dana-dana ASW 2020, ASM dan ASD telah habis dijual, baik untuk bumi atau non bumi.</div>
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Manakala dana AS1M, kuota untuk non-bumi telah habis disapu.</div>
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Jadi, aku rasa saiz tabung 10 billion unit untuk ASB2, kejap je korang boleh kasi langsai.</div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYteGyBJOMGucdSBVS8yXfnfBg5Q-3VbrvTNuQt8DrR0sLjhJzU1YpswoF9qKttqrVro1cRfuw_E3Ef54HRR9qZVI2uXOsDI8-2VUywps3hkk6gn99o5mhb3yopsnYC_CJWLKl8GKs2us/s1600/asb+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYteGyBJOMGucdSBVS8yXfnfBg5Q-3VbrvTNuQt8DrR0sLjhJzU1YpswoF9qKttqrVro1cRfuw_E3Ef54HRR9qZVI2uXOsDI8-2VUywps3hkk6gn99o5mhb3yopsnYC_CJWLKl8GKs2us/s1600/asb+2.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Butiran mengenai ASB 2. Limit sama juga macam ASB, RM 200K untuk akaun dewasa dan RM 50K untuk akaun anak kecik. </td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgs4RFJ0Jcp3S4PYgJ0JsxqcRnfLVEFl836G65FstmtyQnvRaUJcXWbQRw7s6sESECt3NEqpafU4Y1PB078MM9-g_KKK5Imqb5mo9CXgPTwziL36NPrPyPnK1GeMMqdJg94b1G0KXzCLvg/s1600/asb+2b.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgs4RFJ0Jcp3S4PYgJ0JsxqcRnfLVEFl836G65FstmtyQnvRaUJcXWbQRw7s6sESECt3NEqpafU4Y1PB078MM9-g_KKK5Imqb5mo9CXgPTwziL36NPrPyPnK1GeMMqdJg94b1G0KXzCLvg/s1600/asb+2b.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Lanjutan butiran mengenai ASB 2.</td></tr>
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<b>Perbezaan yang aku nampak antara ASB dan ASB2 adalah dari segi portfolio pelaburan yang mana ASB memilih "Ekuiti" sebagai sasaran pelaburan manakala ASB2 pula memilih "Aset Campuran".</b> </div>
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Pada pendapatan aku, ASB2 lebih "play safe" kerana "aset campuran" biasanya adalah gabungan saham ekuiti dan fixed income security & money market instrument pada nisbah yang agak seimbang 60:40.</div>
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(Kalau kategori ekuiti, nisbah ekuiti biasanya lebih tinggi i.e. 70:30-80:20). </div>
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Kebiasaannya, lebih banyak bahagian ekuiti dalam portfolio, returnnya adalah lebih tinggi terutamanya ketika market naik (dan begitu jugalah sebaliknya).</div>
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Tetapi memandangkan ASB dan ASB 2 ini harga unitnya tetap, tambahan pula ia merupakan dana "istimewa" kerajaan untuk bumiputra, pulangan tahunannya kita boleh jangka sekitar 5%-7% sahaja. Sesuai untuk pelabur yang malas berfikir dan mahu tidur tenang sepanjang tahun.</div>
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Korang paham ke aku citer ni? Kalau tak paham, korang google la sendiri, atau tunggu entri aku akan datang.</div>
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p/s: Ketika entri ini ditulis, pelabur hanya boleh membuka akaun ASB 2 di pejabat ASNB sahaja. Ejen-ejen seperti POS, MBB, CIMB masih tidak bisa menguruskan urusan pembukaan buku ASB 2.</div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com18tag:blogger.com,1999:blog-5954281941018887541.post-45107236117509733802014-03-07T17:58:00.002+08:002014-03-07T18:00:55.856+08:00Menjawab Soalan Peminat (Analisa Kewangan Versi Kampung) ! <div class="separator" style="clear: both;">
Sejak aku famous sebab tulis merapu-rapu dalam blog, aku sering dihujani dengan soalan-soalan dari para peminat. Rata-rata soalan bertanya pasal kewangan (tak tanya aku dah makan nasi ke belum..huhu).</div>
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Baru-baru aku dapat soalan yang agak detail untuk aku jawab. Soalan berbunyi berikut:</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxV0yVny5oepKb9WSsxx39P2TeUxgf2o6vknOSQWzDekyH6-91FTXubD2nnmhg3jcuxsF8pKHkPu1fxHtSXLVmH7vM98Owr3ErTg6M0yyih1D1EFgySPOkQPvef7dXS87nGVOuW6KyhQQ/s1600/soalan+hadi.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxV0yVny5oepKb9WSsxx39P2TeUxgf2o6vknOSQWzDekyH6-91FTXubD2nnmhg3jcuxsF8pKHkPu1fxHtSXLVmH7vM98Owr3ErTg6M0yyih1D1EFgySPOkQPvef7dXS87nGVOuW6KyhQQ/s1600/soalan+hadi.jpg" height="640" width="592" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBS8_IXzpmR3iNOCRd-g7OiH9BNUpSbh_plV2OMivc_9qPT45vmh-CKvWxCW1DsYfphrPrWk13OzkGa6Glw5bptGJlHNMW0fdDdjVG0jNo5ITwO2EzDs1tcjIV_Fofut7xIkMPCMdLINE/s1600/soalan+hadi+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBS8_IXzpmR3iNOCRd-g7OiH9BNUpSbh_plV2OMivc_9qPT45vmh-CKvWxCW1DsYfphrPrWk13OzkGa6Glw5bptGJlHNMW0fdDdjVG0jNo5ITwO2EzDs1tcjIV_Fofut7xIkMPCMdLINE/s1600/soalan+hadi+2.jpg" height="640" width="592" /></a></div>
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<b>Soalan dia adalah, dia ada RM 300 ribu cash. Apa nak buat? </b></div>
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Entah, aku pon takde duit banyak tu.</div>
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Cara mudah nak buat analisa kewangan ialah buat (1) Income Statement dan (2) Balance Sheet.</div>
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<b>Income Statement </b></div>
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<ul>
<li>Tujuan: Untuk periksa samada cash flow kita positif atau negatif. </li>
<li>Kalau income melebihi expense, maka cash flow adalah positif.</li>
</ul>
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<b>Balance Sheet</b></div>
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<ul>
<li>Tujuan: Untuk periksa nilai bersih kewangan kita.</li>
<li>Aset - Liability = Net worth</li>
</ul>
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So apa lagi, buat la kotak seperti di bawah dan campakkan segala nilai (value) yang diberi oleh pen"tanya" soalan tadi. </div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhggLQC_Nw3DN-0d7mc8SAUM5dhHp-7JqI4IG5jTp7RgCsWGrCdLNJ99logwIR9jQ72djse0HAYJKQ8CVP2f3sTNOfMfAwfgA5PjIUhoIwciV5z1w2ZCYpOv_3FRjD7E1XwXls6XMDLPmo/s1600/analisa+kewangan+hadi.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhggLQC_Nw3DN-0d7mc8SAUM5dhHp-7JqI4IG5jTp7RgCsWGrCdLNJ99logwIR9jQ72djse0HAYJKQ8CVP2f3sTNOfMfAwfgA5PjIUhoIwciV5z1w2ZCYpOv_3FRjD7E1XwXls6XMDLPmo/s1600/analisa+kewangan+hadi.jpg" height="640" width="478" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Sebab data tak lengkap, market value untuk rumah dan tanah adalah anggaran (naik 20% dari value asal). <br />
Serta perbelanjaan (lain-lain) jugak aku tibai je.</td></tr>
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Akhirnya, dalam masa kurang 5 minit, dah siap kad laporan kewangan. </div>
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Apa yang korang dapat buat kesimpulan dari rajah di atas tidak melebihi 80 patah perkataan (Soalan SPM 98 BM Kertas 1):</div>
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<li><b>Cash flow dia positif</b>, income MINUS expense ada extra RM 4769 tiap-tiap bulan.</li>
<li><b>Passive income dari sewa rumah dan sawit</b> dalam RM 2200 sebulan. Not bad.</li>
<li><b>Net worth dia adalah RM 279 ribu</b>. Maknanya, kalau dia jual semua aset dia, dan bayar semua hutang, dia akan ada cash RM 279 ribu.</li>
</ul>
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Balik kepada soalan asal, RM 300 ribu nak buat apa?</div>
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<b>Opsyen 1:</b> Duit RM 300 ribu simpan dengan dividen 8-10%. </div>
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--> Anda akan dapat RM 30 ribu setahun or RM 2500 sebulan extra dari dividen.</div>
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--> RM 2500 + RM 4769 = RM 7269 extra tiap-tiap bulan.</div>
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<b>Opsyen 2:</b> Duit RM 300K buat bayar hutang</div>
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--> Katakan si dia bayar Loan rumah (1), PL (1) dan (2), si dia akan dapat jimat installment bulanan sebanyak RM 2637.</div>
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--> Cash flow dia = RM11200 (Income) - RM 3794 (expense) = RM 7406</div>
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Kesimpulan, tepuk dada tanya selera. Selamat maju jaya.</div>
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Iklan </div>
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====</div>
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Untuk belajar lebih lanjut pasal Investment Holding Company (IHC), klik<b> <a href="http://rahsiaempayarhartanah.com/hop.php?ref=faridMF" target="_blank">SINI.</a></b></div>
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Untuk belajar lebih lanjut pasal Kewangan dan Hartanah, klik <a href="http://www.shahgroup.com.my/doa/hop.php?ref=faridMF" target="_blank"><b>HERE</b>.</a></div>
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Nak semak harga emas & beli emas, klik <b><a href="https://publicgold.com.my/referral/PG008347/126731" target="_blank">SINI JUGAK.</a></b></div>
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Ingin membuat pelaburan unit trust, EPF and PRS, saya boleh bantu anda juga. </div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com6tag:blogger.com,1999:blog-5954281941018887541.post-11110490920431694752014-03-03T18:32:00.001+08:002014-03-03T19:45:39.289+08:00Selesai sudah Kolokium Pelabur Underground 2014Weekend baru-baru ni, selama 2 hari (1-2 Mac 2014), bertempat di Dewan Mutiara Jalan Ipoh, selesai sudah Kolokium Pelabur Underground 2014 (PU 2014).<br />
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Macam tahun lepas, aku masih lagi join event tersebut sebagai peserta biasa (siapa la aku nak jadi speaker atau tetamu VVIP) bersama kurang lebih 600 orang yang lain. Semua berkumpul dengan satu matlamat yang sama, nak cari idea baru macam mana nak buat duit poket extra (plus nak luaskan networking dan berkongsi pengalaman suka duka masing-masing.)<br />
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Ada 7 otai yang jadi speaker di atas pentas untuk PU 2014 kali ini iaitu:<br />
1. Zaidi Ismail - Pakar manipulasi duit<br />
2. Aqif Azizan - Write to Wealth<br />
3. Anuar GSR - Pelaburan Emas Perak<br />
4. Raja Kamil - Internet Marketing<br />
5. Dr Ann Wan Seng - Rahsia Bisnes Orang Cina<br />
6. Tuanbri - Pelaburan hartanah<br />
7. Faisal Abdullah - Internet marketing jugak.<br />
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Selain speaker di atas, banyak lagi speaker-speaker jalanan (yang tak naik pentas) yang turut tak lokek berkongsi ilmu masing-masing. Janji rajin bukak mulut dan tanya "bro, lu invest apa? ok ke?"<br />
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Ini adalah antara "takeaway" sepajnag PU2014.<br />
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1. Misi bank adalah untuk menjual produk berbentung "hutang" dan untungkan shareholder.<br />
2. Harga kereta baru = harga kereta + CUKAI. So, kenapa beli kereta baru ?<br />
3. Orang kaya tak berhutang, syarikat dia yang buat hutang.<br />
4. Simpan duit dalam bank maksimum RM 250 ribu sahaja, sebab itu je yang dilindungi PIDM kalau bank bankrup. Lebihnya simpan jadi emas.<br />
5. Pemilihan pelaburan hartanah - kalau pelaburan ROI lebih 8%, sila proceed.<br />
6. Dalam menjual benda / servis, yang penting customer, bukan produk.<br />
7. Bisnes orang cina - Kerjasama yang kuat wujud sebab 1. Trust (Amanah) 2. Ambil berat.<br />
8. Bamboo networking - flexibility dan adaptability.<br />
9. Kerja konsultan adalah untuk tolong bisnes orang lain buat duit.<br />
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So, ini saja yang dapat aku kongsi, yang lain tak sempat tulis. Samada aku memang tak tulis, tertidur atau pergi sessi "coaching" 1-to-1 di smoking room.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibIJSR5LKYcwh7BFjUie1pjcdx2P-SQEkL1QRtDrclYAMtZtAA7AnJ5tHp9XQaP90OnBmDe5QT27J8I1brCYSqerV1sBmlyds89vaGd12Ml1EyWbfU33jcIb6bsU_DbSrQ2dfMS9fbT9U/s1600/1507992_10152262192114169_509050580_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibIJSR5LKYcwh7BFjUie1pjcdx2P-SQEkL1QRtDrclYAMtZtAA7AnJ5tHp9XQaP90OnBmDe5QT27J8I1brCYSqerV1sBmlyds89vaGd12Ml1EyWbfU33jcIb6bsU_DbSrQ2dfMS9fbT9U/s1600/1507992_10152262192114169_509050580_n.jpg" height="296" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Kebetulan jumpa budak KUSESS pulak.</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDC8FOC3yOiq7ggXDm-arfWSksXOXrTroFKUD8yahD02Gb2C0isOV01ybreOwUN3jOLMF81hB1TbYlOEect0DFy9Dlv6PpnAgBYzSwqvamdm94X3j7XkJP7O7K0BCbPpafkdv2wmDWbBE/s1600/1622705_10152262192349169_437653644_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDC8FOC3yOiq7ggXDm-arfWSksXOXrTroFKUD8yahD02Gb2C0isOV01ybreOwUN3jOLMF81hB1TbYlOEect0DFy9Dlv6PpnAgBYzSwqvamdm94X3j7XkJP7O7K0BCbPpafkdv2wmDWbBE/s1600/1622705_10152262192349169_437653644_n.jpg" height="400" width="298" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Mereka suka membaca. Membaca jambatan ilmu.</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJCcxLLGSbukLaR0bfhmX1RPhfaxFfcPvdqWzMnzrUKjBLE1yz06CQFdCb9PPyfyZmzo3hrpIdZ3H4Y1OrUUkIDWSSTKvV-gJNd-ziE7hNpSZP4enzTwAYaW09ziarZWVJLAFk19gGvy0/s1600/1962641_10152262192574169_1483003380_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJCcxLLGSbukLaR0bfhmX1RPhfaxFfcPvdqWzMnzrUKjBLE1yz06CQFdCb9PPyfyZmzo3hrpIdZ3H4Y1OrUUkIDWSSTKvV-gJNd-ziE7hNpSZP4enzTwAYaW09ziarZWVJLAFk19gGvy0/s1600/1962641_10152262192574169_1483003380_n.jpg" height="400" width="298" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Aku suka duduk belakang, senang nak pergi toilet. Seat depan tu untuk VVIP. </td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj82y7jp-5uetoDFJ_h0lCJc94cttKXTptzBOyRxKaFBMPXa8ctr1Q0lRqDqKmS5gJdvvZg22qYH4-Vx3g2Xg_PSwZDGFZg-58HUyKRytqRB_I3gYSKx5VhEjJSIKSssjLNdrdU45wGUxs/s1600/1962667_10152262192699169_1936370815_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj82y7jp-5uetoDFJ_h0lCJc94cttKXTptzBOyRxKaFBMPXa8ctr1Q0lRqDqKmS5gJdvvZg22qYH4-Vx3g2Xg_PSwZDGFZg-58HUyKRytqRB_I3gYSKx5VhEjJSIKSssjLNdrdU45wGUxs/s1600/1962667_10152262192699169_1936370815_n.jpg" height="298" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Luahan hati blogger amatur. Macam hensem je, cam comel je...</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLA4vKv2zdv467bbP7m25hMRYgvAnGKBV1kP9ylVjvzRnZNE6T5w9jWptwPXhle3PiwgVVPd-BSUC609ix4acRSS9nk2yiq4aEfVh9yuvMh6iD-7CvnsD64By-hVAw6J2W2fBip3dvAyU/s1600/10002927_10152262194339169_368598327_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLA4vKv2zdv467bbP7m25hMRYgvAnGKBV1kP9ylVjvzRnZNE6T5w9jWptwPXhle3PiwgVVPd-BSUC609ix4acRSS9nk2yiq4aEfVh9yuvMh6iD-7CvnsD64By-hVAw6J2W2fBip3dvAyU/s1600/10002927_10152262194339169_368598327_n.jpg" height="298" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Lagi bersama rakan-rakan sekolah.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht6lqfzN982qS9yjNdM4lw8X46AJaylAa33ESrHKkKQcbhQ5HGNf76ojmryFMSCiICyjk4J0ljD1TaFv16KEwPgVN6YxhWsTKxx6QhPLCLTOqsakaibSVqvHGtokrfII8tcUxJC9C5sPs/s1600/pic+1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht6lqfzN982qS9yjNdM4lw8X46AJaylAa33ESrHKkKQcbhQ5HGNf76ojmryFMSCiICyjk4J0ljD1TaFv16KEwPgVN6YxhWsTKxx6QhPLCLTOqsakaibSVqvHGtokrfII8tcUxJC9C5sPs/s1600/pic+1.jpg" height="298" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Rakan sekolah juga.</td></tr>
</tbody></table>
Akhir kata, kalau ilmu sudah penuh di dada tapi enggak bisa menukar jadi harta..itu adalah sia-sia. So, jumpa lagi tahun depan.<br />
<br />
p/s: ada jugak silent reader blog aku yang tegur aku kat sana. Not bad jugak blog aku ni..hehe...faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com4tag:blogger.com,1999:blog-5954281941018887541.post-14982288852142762722014-01-07T17:26:00.002+08:002014-01-07T17:26:41.013+08:00Nak Belajar Pasal Kewangan Tapi Malu Bersemuka? Sertai DOA !<div>
<span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">Nak belajar tapi malu? </span></div>
<div>
<span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">Anda tiada alasan lagi, belajarlah secara online.</span></div>
<span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"></span><br />
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<span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"><span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"><br /></span></span></div>
<span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">
Kepada newbie or sesiapa saja yg ingin tau pasal pengurusan wang & hartanah, aku sarankan join dengan klik <a href="http://www.shahgroup.com.my/doa/hop.php?ref=faridMF" style="font-weight: bold;" target="_blank">DSR Online Academy (DOA)</a><b> </b>ini. </span><br />
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<span style="color: #37404e; font-family: lucida grande, tahoma, verdana, arial, sans-serif; font-size: x-small;"><span style="line-height: 17.984375px;"><br /></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0npX0gUbm4PfbQMAGFMQ1b2OdoP2a1O1UTenSxQjLsLIEWFrZvih4wrkxdfo7X14_zs9EvViZUvKJH8PvTgqLKt0sCuxirCsnT6nVSIlBUQtFcsSa4aV3oOTsfIAZE2U23tGKtVrEiHM/s1600/Badge+DSR.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0npX0gUbm4PfbQMAGFMQ1b2OdoP2a1O1UTenSxQjLsLIEWFrZvih4wrkxdfo7X14_zs9EvViZUvKJH8PvTgqLKt0sCuxirCsnT6nVSIlBUQtFcsSa4aV3oOTsfIAZE2U23tGKtVrEiHM/s1600/Badge+DSR.png" height="200" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Uncle ni la, Dr Shah Razali a.k.a. DSR yang akan ajar korang di alam maya.</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEih6plWi-plmoVvrlopatb1owyNqSDoPyy-mEzS8IcF9h0J9dQcER_qKLkjPBCHc0yo-slH750cOiftbetNo5_wymE01ebeqkck0p9wvpUdNQxkynJRtMt3f7566JIMc-qnkrDLlLwvbJA/s1600/doa+team.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEih6plWi-plmoVvrlopatb1owyNqSDoPyy-mEzS8IcF9h0J9dQcER_qKLkjPBCHc0yo-slH750cOiftbetNo5_wymE01ebeqkck0p9wvpUdNQxkynJRtMt3f7566JIMc-qnkrDLlLwvbJA/s1600/doa+team.jpg" height="320" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Dalam DOA. DSR dibantu oleh sifu2 yang lain, so the live support sentiasa ada. </td></tr>
</tbody></table>
<div>
<br /></div>
<div>
<span style="background-color: white; color: #37404e; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">Ada lebih 60 video tutorial DSR & Team mengenai hartanah / bisn</span><span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">es / kewangan / mastercoach menjawab dll. Ilmu yang lain dari yang lain, dibantu dengan sokongan para coach.</span></div>
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<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrjA1RCK9NfxOm6_g8nh1pFcIOex8lv8obcA2gHNJdXleo7FEsuYt8ZqHg6FKb1zJXJGMs20CPReVPP8ywiWflWPRGK1rZwLaF2p26zTkcEr4l-cTooN0ChPwGEdAf34DxVIoW0vQHV2E/s1600/tajuk2+DOA.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrjA1RCK9NfxOm6_g8nh1pFcIOex8lv8obcA2gHNJdXleo7FEsuYt8ZqHg6FKb1zJXJGMs20CPReVPP8ywiWflWPRGK1rZwLaF2p26zTkcEr4l-cTooN0ChPwGEdAf34DxVIoW0vQHV2E/s1600/tajuk2+DOA.jpg" height="230" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Antara silibus DOA dalam bentuk video (tajuk-tajuk ini dishare dengan kebenaran coach DOA). </td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT9WoUQ7p7xL6RsLbry_Y6nUp75f2sVmJRLFs4A3YxIzVSxTfyq7DPVwdidS6utfu-ffUg045dUuCuPc2O_8fc2cTvzQkCKCObZuZOjjSajvP9Oldv5SGd2M4afJFS-aFpGyKwkAvQCFI/s1600/tajuk2+DOA+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT9WoUQ7p7xL6RsLbry_Y6nUp75f2sVmJRLFs4A3YxIzVSxTfyq7DPVwdidS6utfu-ffUg045dUuCuPc2O_8fc2cTvzQkCKCObZuZOjjSajvP9Oldv5SGd2M4afJFS-aFpGyKwkAvQCFI/s1600/tajuk2+DOA+2.jpg" height="348" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Antara lagi silibus DOA dalam bentuk video (pada masa ini sudah ada lebih 60 video tutorial dan sentiasa bertambah).</td></tr>
</tbody></table>
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<div class="separator" style="clear: both; text-align: center;">
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<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">Aku adalah salah seorang student DOA.<br />Personally, for me this is one the best online academy yang pernah aku sertai. (Sebab itu aku berani share dan promote <a href="http://www.shahgroup.com.my/doa/hop.php?ref=faridMF" target="_blank"><b>DOA</b></a> ni).</span></div>
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<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"><br /></span></div>
<div>
<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">Yang paling penting, support from DSR dan coach2 lain tidak mengecewakan. Berapa banyak special group yang aku sertai yang dah tak aktif, tapi DOA masih fresh, active and up to date.<br /><br />Plus, this is online academy, so the knowledge is at your fingertips.</span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8jx1EdpFkh7yjSKpsp3S9brWOzE9HFmAvwKEPhjzuKSr3LBHiqR_5m29uSxlm-I5ENPTfnxvZY4S_n1SbUdK5gjvOdZrHED3LZlxw4hchz2iT9wZH_ZmkZ4LJ0Nbnn7CTPKAzi_O2pMM/s1600/safe_image.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8jx1EdpFkh7yjSKpsp3S9brWOzE9HFmAvwKEPhjzuKSr3LBHiqR_5m29uSxlm-I5ENPTfnxvZY4S_n1SbUdK5gjvOdZrHED3LZlxw4hchz2iT9wZH_ZmkZ4LJ0Nbnn7CTPKAzi_O2pMM/s1600/safe_image.png" height="167" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Boleh tonton di mana saja, bila-bila masa. (Asalkan ada internet.) </td></tr>
</tbody></table>
<div>
<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"><br /> So, apa lagi. Meh le belajar bersama-sama.</span></div>
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<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;"><br /></span></div>
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<span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 12.727272033691406px; line-height: 17.99715805053711px;">Layari link ini, sila klik <a href="http://www.shahgroup.com.my/doa/hop.php?ref=faridMF" target="_blank"><b>DOA bersama DSR</b></a> untuk pendaftaran.</span></div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com2tag:blogger.com,1999:blog-5954281941018887541.post-79166383314719672002013-12-31T01:33:00.001+08:002013-12-31T01:45:54.288+08:00Cash Refinance Dah Dapat, What Next ??Selepas aku menulis <a href="http://faridpunya.blogspot.com/2013/12/berapa-lamakah-tempoh-masa-kecederaan.html" target="_blank">entri</a> berperang pasal bila refinance aku nak setel.<br />
Alhamdullillah, misi refinance rumah pertamaku akhirnya selesai sehari sebelum cuti Krismas.<br />
<br />
Ada member yang tau, ada yang tak tau.<br />
Atas member-member yang tau, mereka terutamanya En. Saiful tanpa segan silu mengeluarkan majalah Motor Trader dan mencadangkan aku tukar "kereta sukan" Wira aku yang berusia 13 tahun tu. Dah reput katanya (kurang ajar btol! hehe). Tapi memang boleh tergugat jugak la, sambil membayangkan betapa aku hensem kalau pakai kereta BMW atau Subaru.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRTcMrQ-cOb92ruxR_gQI85D4h2bHpmLXPF34VvXr_T7qPFIX0a9JnqKMclU940RY4z5nE0LTczz_r0X_uT8CLUKZMkpAyfCioTzTutkzVWph1Ge_HPa1j8XuVjp0p82gZQvQFDl1Lj1o/s1600/motor+trader.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRTcMrQ-cOb92ruxR_gQI85D4h2bHpmLXPF34VvXr_T7qPFIX0a9JnqKMclU940RY4z5nE0LTczz_r0X_uT8CLUKZMkpAyfCioTzTutkzVWph1Ge_HPa1j8XuVjp0p82gZQvQFDl1Lj1o/s400/motor+trader.jpg" width="293" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Di mana ada lelaki, majalah ini mesti ada.</td></tr>
</tbody></table>
STOP, jangan berangan. Aku bukan refinance sebab nak beli kereta.<br />
I have to plan the cash properly.<br />
"Ingat, ini bukan duit aku, duit cash out pinjam hasil refinance rumah selama 35 tahun.!"<br />
<br />
Setelah aku campur gaul kan semua benda yang aku tau, ni lah hasilnya. "Belajawan Dec 2013 - Jan 2014."<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikQ0SUS1OvWSqW_SlKEtCxq35rBJYlsggeDj-6sOVjbMzNjBuUswBQzCdSfdHy_nv6StnbDTA3wUsK6VLoHkGlUhlIiijFk5OC14kcy41LeJTQi_LrJIG1pknCDIeUSwPKGfMGMUtLhCk/s1600/duit+refinance.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikQ0SUS1OvWSqW_SlKEtCxq35rBJYlsggeDj-6sOVjbMzNjBuUswBQzCdSfdHy_nv6StnbDTA3wUsK6VLoHkGlUhlIiijFk5OC14kcy41LeJTQi_LrJIG1pknCDIeUSwPKGfMGMUtLhCk/s640/duit+refinance.jpeg" width="507" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Summary cash flow dalam bajet kali ini! </td></tr>
</tbody></table>
Berikut adalah apa yang aku consider untuk develop Bajet "Mesra Rakyat" yang paling konservatif ni:<br />
<br />
<ol>
<li><b>First, bayar hutang</b>. Baik bank, kedai pajak mahupun bini, wajib kita utamakan hutang dulu.</li>
<li><b>Menurunkan komitmen bulanan.</b> Hutang CC dan PL melebihi 5k sebulan menyebabkan Debt Serving Ratio (DSR) tinggi. Susah aku nak buat pinjaman, sampai nak apply CC pon bank dah tak nak bagi.</li>
<li><b>Membeli emas</b> sebab satu, harga emas tengah rendah. Dalam 120-130/g. Yakinlah emas sebagai pelindung nilai sejati.</li>
<li><b>Terus / penuhkan instrument pelaburan yang memberi pulangan lebih 7% setahun.</b> Sebab dalam kes refinance ni, financing rate yang bank bagi dalam BLR - 2.45%. So, dalam 4.15% setahun kadar interest yang kena bayar. Anything above 7% per annum should suffice.</li>
<li><b>Memaksimakan potongan cukai 2013</b>. Private Retirement Scheme (PRS) dan SSPN adalah antara caranya, terutamanya bila tax bracket kita lebih 20%.</li>
<li><b>Standby bullet for next investment.</b> Untuk tujuan ini, cash tersebut kena berada ditempat yang senang dicairkan. </li>
<li><b>Jimat dari membayar interest yang merepek-repek</b>. Penuhkan balik OD untuk next investment rolling. </li>
</ol>
<br />
So, itulah kisah perbentangan bajet aku ni. Apa masa ini, 70% dari plan sudah dilaksanakan. Kecuali ASB je tak boleh top up, kena tunggu 2hb Jan 2014.<br />
<br />
Itu saja, happy reading. Selamat tinggal 2013.faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com12tag:blogger.com,1999:blog-5954281941018887541.post-8287693777726028762013-12-19T23:52:00.002+08:002013-12-19T23:52:28.375+08:00Berapa Lamakah Tempoh "Masa Kecederaan" untuk Proses Refinance Rumah Selesai ??<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span>
<span style="font-family: Times New Roman, serif;">Tatkala aku tulis <a href="http://faridpunya.blogspot.com/2013/05/petua-refinance-rumah-lain-penilai-lain.html" target="_blank">entri</a> tentang refinance rumah, banyak soalan dari para pembaca berbunyi "Lama ke proses nak refinance rumah ni?"</span><br />
<span style="font-family: Times New Roman, serif;"><br /></span>
<span style="font-family: Times New Roman, serif;">Aku tak tau la pengalaman orang lain, tapi bagi aku yng mengalami sendiri proses nak refinance rumah ni, aku boleh cakap "target la 6 bulan ke atas". Aku sign LO pada Mei 2013 dan hingga ke hari ini 19 Disember 2013, duit refinance tu tak masuk-masuk lagi.</span><br />
<span style="font-family: 'Times New Roman', serif;"><br /></span>
<span style="font-family: 'Times New Roman', serif;">Banyak kerenah-kerenah (atau orang jawa cakap "Hanki - Panki" or "Hiccup") sepanjang proses refinance ni. Antaranya:</span><br />
<br />
<ul>
<li><span style="font-family: Times New Roman, serif;">Banker / lawyer tak jawab call / email kita.</span></li>
<li><span style="font-family: Times New Roman, serif;">Banker / lawyer tak update problem yang melambatkan proses.</span></li>
<li><span style="font-family: Times New Roman, serif;">Lawyer resign.</span></li>
<li><span style="font-family: Times New Roman, serif;">Surat full settlement dari bank lama sudah expired selepas 3 bulan.</span></li>
</ul>
<div>
<span style="font-family: Times New Roman, serif;">dan banyak lagi yang korang boleh baca dari rantaian email di bawah.</span></div>
<br />
<span style="font-family: Times New Roman, serif;"> </span><br />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pesan aku kepada yang ingin membuat refinance rumah:</span><br />
<br />
<ul>
<li><span style="font-family: Times New Roman, serif;">Jangan la seperti "Mendengar guruh di langit, air tempayan dicurahkan". Simpan duit sedia ada, jangan boros. Jangan jadi macam aku dalam kisah <a href="http://faridpunya.blogspot.com/2013/09/akibat-salah-plan-aku-sekarang.html" target="_blank">entri ini</a>.</span></li>
<li><span style="font-family: Times New Roman, serif;">Yang bercadang nak guna duit refinance untuk kahwin, disarankan at least setahun sebelum kahwin korang dah apply. Bukan lagi 2 bulan nak kahwin, baru sibuk nak buat refinance.</span></li>
<li><span style="font-family: Times New Roman, serif;">Pastikan korang simpan rekod perbualan korang dengan banker/lawyer, sebab apa yang diorang cakap kadang-kadang tak sama dengan apa yang diorang buat.</span></li>
</ul>
<div>
<span style="font-family: Times New Roman, serif;">Di bawah adalah email lengkap (dari bulan April 2013 hingga Disember 2013) kisah refinance aku melibatkan aku, bank baru, bank lama dan lawyer. </span></div>
<div>
<span style="font-family: Times New Roman, serif;"><br /></span></div>
<div style="text-align: center;">
<span style="color: blue; font-family: Times New Roman, serif;"><b>KEEP CALM & GET THEM READ!</b></span></div>
<div>
<span style="font-family: Times New Roman, serif;"><br /></span></div>
<div>
<span style="font-family: Times New Roman, serif;">p/s: Ada maklumat seperti nama bank, lawyer, email terlibat di"hidden"kan bagi keselamatan sejagat. </span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span>
<span style="font-family: Times New Roman, serif;">======================================================================</span><br />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span>
<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: <a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To:</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC:</span><a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">;</span><a href="mailto:faridfahmi81@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 3}</span></a><u><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><o:p></o:p></span></u></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date:
Wed, 10 Apr 2013 22:54:06 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Hi {“Staff Bank”},</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> Please refer my doc as requested:</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1. ASB loan offer letter - 3 loans total RM 180K</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2. PL offer letter bank islam RM114K</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">also please refer my investment statement as additional supporting doc.</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1. ASB dividen statement 2012</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2. Share cert</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3. Shares in CIMB iTrade</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">TQ</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> farid</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>----------------------------------------------------------------------------------------------------------</i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To:</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC:</span><a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">;</span><a href="mailto:faridfahmi81@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 3}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 11 Apr 2013 13:54:00 +0800<o:p></o:p></span></b></i></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Hi {“Staff Bank”},</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Have you received my doc?</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">-farid-</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<hr align="center" size="2" width="100%" />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 12pt;">From:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 12pt;"> {faridfahmi}<br />
</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 24.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Sent:</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> 18 April 2013 07:57</span><span style="font-family: Tahoma, sans-serif; font-size: 12pt;"><br />
<b>To:</b> {“Staff Bank”}<br />
<b>Cc:</b> </span><a href="mailto:faridfahmi81@gmail.com" target="_blank"><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 3}</span></a><span style="font-family: Tahoma, sans-serif; font-size: 12pt;">; Mohd Farid Mohd
Fahmi<br />
<b>Subject:</b> Re: Supporting doc for Refinance S/A House ( MOHD FARID
MOHD FAHMI)</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Dear Mr {“Staff Bank”},</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> Any update on my refinance application?</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> Tq</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> Farid </span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Sent from my iPad</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue;">{faridfahmi 2}</span></a><br />
To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
<br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Mon, 22 Apr 2013 04:44:40 +0000<o:p></o:p></span></b></i></div>
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<i><br /></i></div>
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<i><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Hi {“Staff Bank”},<br />
<br />
Good day to you. Any good news for me?<br />
<br />
TQ<br />
<br />
farid</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:</span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-size: 12.0pt;">{faridfahmi}</span></a><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD
FAHMI)<o:p></o:p></i></span></div>
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<i><b><span style="background: white; color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Wed, 8 May 2013 15:41:08 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day to you. I try to call you since 2/5/2013 but still
unreachable.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Anyway, may I know what is my application status?<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>farid <o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:faridfahmi81@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 3}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">; </span><a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 9 May 2013 16:28:04 +0800<o:p></o:p></span></b></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Hi {“Staff Bank”},<br />
<br />
Sorry for interupting you. Any update for me?<br />
<br />
tq<br />
<br />
-farid -<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">-------- Original message --------<br />
From: Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: 10/05/2013 4:43 PM
(GMT+08:00)<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">To: {“Staff Bank”} <</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff
Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
Cc: </span><a href="mailto:faridfahmi81@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 3}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">,</span><a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Hi {“Staff Bank”},<br />
<br />
Sorry for interupting you. Any update for me?<br />
<br />
tq<br />
<br />
-farid -<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>---------------------------------------------------------------------------------------------------------<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Mon, 13 May 2013 10:51:11 +0800<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD
FAHMI)<br />
From: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Hi Mr. Farid,<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Sorry for replying late. Good news..Your application had been approved.
I'll proceed to generate the offer letter. May I know when you will be
back from offshore?<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thanks<o:p></o:p></i></span><br />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i><br /></i></span></div>
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</div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Mon, 13 May 2013 11:13:58 +0800<o:p></o:p></span></b></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thank you for that good news.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Can you scan to me the LO for my review?<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>FYI, I will be back to KL on 22/5.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>farid<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">-------- Original message --------<br />
From: Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: 15/05/2013 3:42 PM
(GMT+08:00)<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">To: {“Staff Bank”} <</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff
Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day. Have the LO ready?<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Can you scan and email to me?<br />
I need to check the loan T & C before agree with the offer <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>(i.e. total loan amount, home loan flexi term daily rest, loan tenure,
interest rate, ZEC (legal fee & MRTA absorbed in loan??) etc..<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>-farid - <o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<hr align="center" size="2" width="100%" />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Wed, 15 May 2013 16:40:15 +0800<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD
FAHMI)<br />
From: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Ya..the offer letter is ready already..I'll email to you 1st thing
tomorrow morning.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thanks<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">-------- Original message --------<br />
From: Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: 17/05/2013 12:06 PM
(GMT+08:00)<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">To: {“Staff Bank”} <</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff
Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Hi {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Sorry to interrupt you but I still don't receive the LO copy.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Can you forward to me now?<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ <o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<hr align="center" size="2" width="100%" />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Fri, 17 May 2013 13:31:31 +0800<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD
FAHMI)<br />
From: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Sorry mr farid. I had already ask my colleague to help email you the
offer letter. Kindly check to see whether you have received it. If haven't I'll
get him to resend again<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thanks<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<hr align="center" size="2" width="100%" />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD FAHMI)!!<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date:
Sat, 8 Jun 2013 16:06:31 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr {“Staff Bank”},<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please arrange the valuer to visit my house on 20/6/2013 (Thursday).<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
-------- Original message --------<br />
From: Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: 11/06/2013 11:20 AM
(GMT+08:00)<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">To: {“Staff Bank”} <</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff
Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD
FAHMI)!!<o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>resend<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<hr align="center" size="2" width="100%" />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 13 Jun 2013 14:09:34 +0800<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD
FAHMI)!!<br />
From: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Sorry for replying late. The valuer can't make it on 20th as valuation
will at later stage of the loan process. I will keep you updated on the
progress. Will arrange for the valution when you are back to KL. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thanks<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">-------- Original message --------<br />
From: Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: 13/06/2013 2:44 PM
(GMT+08:00)<br />
</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">To: {“Staff Bank”} <</span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff
Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">><br />
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD
FAHMI)!!<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thank you for responding. For this trip, I will be in KL from 19 till 28
June 2013, if valuer want to come.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>farid <o:p></o:p></i></span></div>
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</i></span><br />
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</i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD
FAHMI)!!<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date:
Wed, 14 Aug 2013 18:44:28 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>When will {“THE BANK”} disburse money to my acc?<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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</i></span><br />
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From:<a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue;">{faridfahmi}</span></a><br />
To: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Tue, 27 Aug 2013 10:44:21 +0800<o:p></o:p></span></b></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Staff Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I am still waiting your respond on above matter.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>When will it happen? LO sign since May 2013 and you promised in 2 months
everything can settle.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>farid<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>--------------------------------------------------------------------------------------------------------<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Fri, Aug 30, 2013 at 7:57 AM,</span></b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Mohd Farid Mohd Fahmi
<</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>As per our conversation last Wed, I am still waiting email from you on
chronology of event (complete with date) of my refinance application.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I want to know in writing what you have done so far until I can get the
money.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please response ASAP. Last time I met you in May/Jun during doc signing,
you said everything can settle in 2 months but now what happen.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Staff Bank”},<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>FYI. Hope you can remind “Lawyer HxxC” on this.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>FARID<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Fri, 30 Aug 2013 08:12:47 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
From: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">;<a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue;">{“Staff
Bank”}</span></a><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr. Farid,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We are in order now to advise for redemption sum already after we lodge
a private caveat on the Property to secure the interest of {“THE BANK”}. <o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We will let you know next week when the advise for drawdown is handed to
{“THE BANK”}.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We note your urgency and will expedite as much as we can.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We regret for any inconvenience caused. Sincere apologies.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">{“Lawyer Bank”}</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">----------------------------------------------------------------------------------------------------------------------------------</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On
Thu, Sep 5, 2013 at 12:05 AM,</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> <o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i><br />
<br />
Any good news for me?<br />
<o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Anyway, I really appreciate if you can provide chronology date of the
process. I need to track the progress for my record.<br />
<br />
p/s: Sorry for troublesome you. Past experience with lawyer before this (other
cases), make me so particular about this.<br />
<br />
TQ</span><span style="color: #888888; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><br />
<br />
FARID</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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</i></span><br />
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On 5 Sep 2013, at 10:48,</span></b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">"" <</span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr. Farid,<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We are compiling the things for advise of the redemption sum. Estimated
by early or mid next week our advice will be in. We will try our best to
expedite for you as much as we can.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We appreciate your e-mail and close follow ups.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">{“Lawyer Bank”}</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
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</i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Tue, Sep 17, 2013 at 10:04 PM</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">, Mohd Farid Mohd
Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day to you. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Any good update for me? <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Your email dated 5/9/13 said, advise of redemption sum will be in within
a week. I assume it should be within 8-14/9/13.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Now already 17/9/13 and appreciate some update from you.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On 18 Sep 2013, at 21:05</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">, "" <</span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr. Farid,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We regret to inform that as we were prepared to advise the bank for
release of the redemption sum, we realise that the last date to pay the
redemption sum is expiring. To avoid further complication to the matter,
we are requesting for a fresh redemption statement. Other than that, everything
is in order. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>So, now we just need to wait for {“Existing Financing Bank”} to forward
us the fresh redemption statement and then around 5 days, the bank will release
the redemption sum.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>We will chase wherever and whenever we could to expedite the matter.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please be advised.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>--<br />
<b>{“Lawyer Bank”}</b><o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Thu, Sep 19, 2013 at 9:23 AM</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">, Mohd Farid Mohd
Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>From here, now how long it take for me to get money?<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>By 30 sept, can i see cash in my account? Urgently required.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Tq<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i><br />
Sent from my iPad<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 26 Sep 2013 14:34:58 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
From: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr.Farid,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Apologies for the late reply as I was very sick few days back, suspected
Denggi.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please be informed that we are still waiting for the fresh redemption
statement from {“Existing Financing Bank”}. You may assist to chase them to
issue us the fresh one soonest possible. We must advise for redemption sum
first and once it is paid to Am Islamic Bank, we will need them to release the
original documents i.e . title, duplicate charge, etc. At that stage, will need
your assistance to chase them to expedite.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please do not mistaken that we cannot do the chasing but since you are
the Borrower, it would just assist us further.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Looking at the circumstances, we fear that by 30th September is highly
unlikely. However, we may be hopeful that you will get your money by the second
week or third week of October.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>--<br />
<b>{“Lawyer Bank”}</b><o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">; </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 26 Sep 2013 18:35:54 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Sorry to hear about your health condition, hope everything is good.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>BTW, can you scan and email to me the letter when you request for fresh
statement? Who's the {“Existing Financing Bank”} focal person that you contact?<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I am not happy with the news. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Last time, you said I can get money before Hari Raya Aidilfitri, now it
seems after Hari Raya AidilADHA also, the process is still long way to go.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">; </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date:
Fri, 11 Oct 2013 08:38:18 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”} <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Now already second week of Oct 2013. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Your last email said I can get money by second week.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Any update?<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">; </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)<o:p></o:p></span></i></div>
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<b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>Date: Mon, 14 Oct 2013 12:37:15 +0800<o:p></o:p></i></span></b></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day. Any good news for me?<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Mon, Oct 21, 2013 at 10:32 PM</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">, Mohd Farid Mohd
Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day to you.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Any good news for me? Now already 3rd week of Oct 2013.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>-farid-<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Wed, 23 Oct 2013 00:07:17 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
From: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">; <a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue;">{“Staff
Bank”}</span></a><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr. Farid,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>The first disbursement has been released as of today. We will arrange
the payment to be sent to {“Existing Financing Bank”} by this week. Thereafter,
we wish that the bank can release the original security documents soonest
possible to enable us to proceed further with the second disbursement.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please be advised.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">{“Lawyer Bank”}</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">;<a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue;">{“Staff
Bank”}</span></a><br />
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 24 Oct 2013 07:50:52 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thank you very much. Good progress as per planned.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Hope this delay can be settled very soon.<br />
<br />
TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On
6 Nov, 2013, at 5:33 pm,</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> <o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Mohd Farid Mohd Fahmi <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Lawyer Bank”}<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>2 weeks already pass. When will the 2nd disbursement take place? <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">CC: </span><a href="mailto:kl@yht.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">“Company Lawyer email”</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">; </span><a href="mailto:cheeseng26@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
From: </span><a href="mailto:vincent02yee@gmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Thu, 7 Nov 2013 18:26:49 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr. Farid,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Awaiting for original documents to come back from {“Existing Financing
Bank”}. Once received will update you.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Nov 20, 2013, at 8:46,</span></b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">"Mohd Farid Mohd
Fahmi" <</span><a href="mailto:faridfahmi@hotmail.com" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Existing Financing Bank”},<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>Above
subject refer. <o:p></o:p></i></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>May I
know what is the status of the release of original security document to {“THE
BANK”} and discharge of charge/receipt & reassignment? have {“Existing
Financing Bank”} executed that?<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>Full
settlement of outstanding has been disbursed by {“THE BANK”} to {“Existing
Financing Bank”} on 23/10/2013.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>But {“THE
BANK”} hold the 2nd disbursement (i.e. my refinance cash out) until you release
all security document.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>Appreciate
you to expedite this matter.<o:p></o:p></i></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><i>I
desperately need cash money <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Farid<o:p></o:p></i></span></div>
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</i></span><br />
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">From:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> {faridfahmi} [</span><a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">mailto:{faridfahmi
2}</span></a><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">]<br />
</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 20.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Sent:</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> Wednesday, November 20, 2013 2:29
PM<br />
</span><b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">To:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> {“Existing Financing Bank”} Affiliate desk<br />
<b>Cc:</b> Mohd Farid Mohd Fahmi<br />
<b>Subject:</b> Re: Full settlement
house loan (ref no: 829-517-xxxxxx)</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Existing Financing Bank”}, <o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Any update?<br />
<br />
Sent from my iPhone<o:p></o:p></i></span></div>
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</i></span></div>
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">From:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> {“Existing Financing Bank</span><span style="font-family: Tahoma, sans-serif; font-size: 22pt;">”} <o:p></o:p></span></i></div>
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<i><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 22.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Sent:</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> 21 November 2013 17:27</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"><br />
<b>To:</b> {faridfahmi}<o:p></o:p></span></i></div>
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Cc:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Affiliate desk;
{faridfahmi}<br />
<b>Subject:</b> RE: Full settlement
house loan (ref no: 829-517-xxxxxx)</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Dear Tahar,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">We have inform {“LAWYER BANK”} the doc ready for collection.</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Regards,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">From:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> {faridfahmi}<br />
</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 20.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Sent:</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> 21 November 2013 18:37</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"><br />
<b>To:</b> {“Existing Financing Bank”}<br />
<b>Cc:</b> Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Affiliate
desk<br />
<b>Subject:</b> RE: Full settlement
house loan (ref no: 829-517-xxxxxx)</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Dear En Husni / En Tahar,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
<br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Thanks for responding. </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
<br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">1. When you said {“LAWYER BANK”} can collect the doc, does it mean {“Existing
Financing Bank”} has executed discharge of charge of the original document?</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">2. Since the full payment has been made, have payroll being informed to stop my salary
deduction for monthly loan installment?</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">3. If any excess in payment what is the process for me to get back the
refund.</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
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</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">TQ</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
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</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Rgds,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Farid</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">From:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> {faridfahmi}<br />
</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 22.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Sent:</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> 25 November 2013 16:18</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"><br />
<b>To:</b> {“Existing Financing Bank”}<br />
<b>Cc:</b> Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Affiliate
desk<br />
<b>Subject:</b> RE: Full settlement
house loan (ref no: 829-517-xxxxxx)</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Dear {“Existing
Financing Bank”}</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
<br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Any update on my enquiry? </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
<br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">p/s: Ignore Question #2. installment via salary deduction has been
stopped for payslip of nov 2013.</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
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</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">TQ</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
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</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Rgds,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
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</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Farid</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: Tahoma, sans-serif; font-size: 12pt;">From:</span></b><span style="font-family: Tahoma, sans-serif; font-size: 12pt;"> </span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">{“Existing Financing
Bank”}</span><span style="font-family: Tahoma, sans-serif; font-size: 12pt;"><br />
</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 22.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Sent:</span><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> 29 November 2013 10:14</span><span style="font-family: Tahoma, sans-serif; font-size: 12pt;"><br />
<b>To:</b> {faridfahmi}; <br />
<b>Cc:</b> Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} <b>Subject:</b> RE:
Full settlement house loan (ref no:
829-517-xxxxxx)</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Dear Mr Farid,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Your document already executed and collected by {“LAWYER BANK”} on
27/11/13</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Regards,</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On 3 Dec 2013, at
15:44,</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> "{faridfahmi}" <</span><a href="mailto:faridfahmi@petronas.com.my" target="_blank"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<i><span style="font-family: Tahoma, sans-serif; font-size: 10pt;">Dear {“Lawyer Bank”}<br />
<br />
Any update on 2nd/final disbursement?<br />
I was informed by {“EXISTING FINANCING BANK”} that you have collected the doc
on 27/11/13 (refer email below).<br />
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What is the progress at Land office? How fast I can get the money?<br />
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TQ</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: Tahoma, sans-serif; font-size: 10pt;"><i>Farid<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Dec 5, 2013, at 13:05,</span></b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">"" <</span><a href="mailto:vincent02yee@gmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Lawyer Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear Mr. Farid,<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please call office for Ms. {Secretary} for the latest update as I have
left the company already.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Thanks!<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Regards,<o:p></o:p></i></span></div>
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<i><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“LAWYER BANK”}</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"><br />
</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"> <o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">CC: </span><a href="mailto:faridfahmi@petronas.com.my"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
From: </span><a href="mailto:faridfahmi@hotmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Fri, 6 Dec 2013 12:49:16 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:cheeseng26@gmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Hi {“Staff Bank”}. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day. Yesterday u said, bank can release money by next week rite?
Pls reply my email n put it in writing. & pls follow up my cheque book. I
Still dont get it. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Tq - farid<br />
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<!--[if !supportLineBreakNewLine]--><br />
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Sent from my iPhone</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Dec 10, 2013, at 14:29</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">, "Mohd Farid
Mohd Fahmi" <</span><a href="mailto:faridfahmi@hotmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Dear {“Staff Bank”},<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I am still waiting your response on this matter.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>You said by Monday (yesterday), lawyer will settle with Land Office and
will advise bank to disburse.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Today already Tuesday but still I don't any news from you or lawyer.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please respond.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>If you cannot respond, pls get lawyer to respond. I try to call lawyer
but still unreachable.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>p/s: Don't forget my cheque book.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: </span><a href="mailto:faridfahmi@petronas.com.my"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi 2}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
To: </span><a href="mailto:faridfahmi@hotmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
CC: </span><a href="mailto:cheeseng26@gmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“Staff Bank”}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Wed, 11 Dec 2013 02:50:54 +0000</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Resend. Still no response from u.<br />
<br />
Sent from my iPhone<o:p></o:p></i></span></div>
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<i><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 22.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">On Dec 14, 2013, at 9:45</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">, "Mohd Farid
Mohd Fahmi" <</span><a href="mailto:faridfahmi@hotmail.com"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{faridfahmi}</span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">> wrote:<o:p></o:p></span></i></div>
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<i><b><span style="background-color: yellow; background-position: initial initial; background-repeat: initial initial; font-family: 'Times New Roman', serif; font-size: 12pt;">Dear Ms {Secretary} ({“LAWYER CO.”}),</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">I was informed that </span><span style="color: #1f497d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">{“LAWYER BANK”}</span><span style="font-family: Tahoma, sans-serif; font-size: 10pt;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">has handed over my case to you before
he resigned.<o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I called your office everyday since last Friday (6/12/13), but you are
not reachable.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Every day, I leave message to your office secretary, but you never return
my call.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>PLEASE RETURN MY CALL NOW. <o:p></o:p></i></span></div>
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<i><b><span style="background-color: yellow; background-position: initial initial; background-repeat: initial initial; font-family: 'Times New Roman', serif; font-size: 12pt;">Dear {“Staff Bank”} {“THE BANK”},</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Everytime I call you, you said "I call you back!". What the
hell?<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>On the phone, you said everything are OK. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Can settle very fast / land office can issue receipt in 2 days / cheque
book is ready, will send to my home bla..bla..bla. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>But when I ask you to reply my email and put your say on writing, you
don't dare.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I went to branch yesterday 330 pm, looking for you and I want to collect
cheque book. <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>You know what the staff at {“THE BANK”} kepong branch said, "
Luckily you come. {“Staff Bank”} never request me to do your cheque
book!!!" <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>What are you doing? <o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please respond.<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>farid<o:p></o:p></i></span></div>
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<i><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">From: {faridfahmi}<br />
To: “Company Lawyer email”; {“Staff Bank”}; {“Lawyer Bank”}<br />
CC: {faridfahmi 2}<br />
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)<br />
</span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Date: Tue, 17 Dec 2013 09:58:13 +0800</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="background-color: yellow; background-position: initial initial; background-repeat: initial initial; font-family: 'Times New Roman', serif; font-size: 12pt;">Dear {“Lawyer Secretary”},</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Good day. Thanks for pick up my call this morning.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>My name is MOHD FARID BIN MOHD FAHMI (IC: 810420-xx-xxxx).<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>As per our conversation this morning (17/12/13), you said:<o:p></o:p></i></span></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1. All matter related with Land Office has settled. Land Office already
issued the presentation receipt. When?</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2. Lawyer now can advise bank to release the money at any time, pending
on lawyer side.</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3. Cannot advise bank today as Lawyer in charge {“Lawyer Name”} are on
MC?</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><b><span style="background: white; color: #ac193d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Therefore, I seek your help to acknowledge (in
writing) the info above.</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="background: white; color: #ac193d; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">And also please get your lawyer to advise bank
ASAP.</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>I am sick with all promise given by {“Resigned Lawyer ”} last time.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Bank already charged me on legal fee of RM 8587.51 on 23 OCT 2013, but
until now my case are still not settled.</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">How come bank can pay for legal fee for unfinished business.??</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>Please read this lengthy email to not why I so disappointed about
this.<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>FARID<o:p></o:p></i></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 115%;"><i>
</i></span><br />
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</i></span></div>
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<i><span style="background: white; color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">From: {faridfahmi}</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><br />
<span style="background: white;">To: {“lawyer bank”}</span><br />
<span style="background: white;">CC: {“banker”}</span><br />
<span style="background: white;">Subject: Attn to: {“New Lawyer”}{“Secretary”} </span></span><span style="background: white; color: #444444; font-family: Wingdings; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri; mso-symbol-font-family: Wingdings;">à</span><span style="background: white; color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"> (Update for Farid's
case)</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><br />
</span><b><span style="background: white; color: red; font-size: 22.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Date: Wed, 18 Dec 2013
09:15:04 +0800</span></b><b><span style="color: red; font-size: 22.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--></span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><o:p></o:p></span></i></div>
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<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>Dear
<span style="background-position: initial initial; background-repeat: initial initial;">{“New Lawyer”}{“Secretary”}</span><o:p></o:p></i></span></div>
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<i><br /></i></div>
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<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>Referring
to my email yesterday, appreciate your update on this matter.<o:p></o:p></i></span></div>
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<i><span style="color: #444444; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Hope
you can advise bank to disburse the money today.</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
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<i><span style="color: #444444; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">TQ</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Farid</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
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</i></span></div>
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<i><br /></i></div>
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<i><span style="background: white; color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">From: {faridfahmi}</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><br />
<span style="background: white;">To: {“lawyer bank”}</span><br />
<span style="background: white;">CC: {“banker”}</span><br />
</span><b><span style="background: white; color: red; font-size: 22.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Date: Thu, 19 Dec 2013
16:39:25 +0800</span></b><span style="background: white; color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><br />
Subject: RE: Attn to: {“New Lawyer”}{“Secretary”} --> (Update for Farid's case)</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><o:p></o:p></span></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Dear
</span><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">{“New Lawyer”}</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>,<o:p></o:p></i></span></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>Good
afternoon. Since you said lawyer already advise the bank on 18/12/13 to release
the money, appreciate if you can put it in writing by replying this email.<o:p></o:p></i></span></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>I
need black and white from your side to push the bank, as all these time, bank
said all delay are from your side.<o:p></o:p></i></span></div>
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<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>Your
assistance is sought.<o:p></o:p></i></span></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>TQ<o:p></o:p></i></span></div>
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<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>Rgds,<o:p></o:p></i></span></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><i>Farid
<o:p></o:p></i></span></div>
<div align="center" class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span><br />
<hr align="center" size="2" width="100%" />
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><i>
</i></span></div>
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<i><b><span style="background-position: initial initial; background-repeat: initial initial; color: red; font-size: 22pt;">Date: Thu, 19 Dec 2013 17:05:18 +0800</span></b><b><span style="color: red; font-size: 22.0pt; mso-ascii-font-family: Calibri; mso-hansi-font-family: Calibri;"><br />
</span></b><span style="background-position: initial initial; background-repeat: initial initial;">From: {“New Lawyer”}</span></i><br />
<span style="background-position: initial initial; background-repeat: initial initial;"><i>To: <a href="mailto:faridfahmi@hotmail.com">faridfahmi@hotmail.com</a><o:p></o:p></i></span></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Dear
Mr Mohd Farid,</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Greetings!</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">As
informed this afternoon, please be informed that we had advised on 18/12/2013
for the balance loan sum be released by portal online to {“THE BANK”}.</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Please
find attached the advise letter for release for your reference. Thank you.</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
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<i><br /></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">Warm
regards,</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
<div class="MsoNormal" style="background: white; line-height: 15.75pt; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="color: #444444; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;">{“New
Lawyer”}</span><span style="color: #444444; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY; mso-hansi-font-family: Calibri;"><o:p></o:p></span></i></div>
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<i><br /></i>
<i>==========================================================</i></div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com33tag:blogger.com,1999:blog-5954281941018887541.post-33118582651988980242013-12-12T15:07:00.002+08:002013-12-12T15:18:00.525+08:00Balance Transfer Program for Dummies!<div class="separator" style="clear: both; text-align: center;">
</div>
Pakai Credit Card (CC) ni senang je. <i>Swipe now -> pay later -> swipe again -> pay later again.</i><br />
Camni la pusingan pakai CC sampai lebam.<br />
<br />
Tapi macam mana lak kalau pusingan dia sudah tak membentuk pusingan lagi, dah lari jadi bentuk lain camni<br />
<br />
<i><b>"Swipe now -> pay later (minimum) -> swipe again -> pay later again (minimum lagi) -> swipe lagi -> KEBABOM (tak mampu bayar)!! </b></i><br />
<br />
Welcome to the Club, bro. Don't worry, you are not alone.Menurut petikan rencana paper KOSMO,<br />
<blockquote class="tr_bq">
<i>"Seramai 9,471 orang telah diisytiharkan muflis sehingga suku ketiga tahun 2012 mengikut statistik MdI."</i> </blockquote>
<blockquote class="tr_bq">
<i>"Sejumlah 6,203 daripadanya diisytiharkan sebagai muflis akibat kegagalan menjelaskan hutang kad kredit. Ia menjadi kebimbangan kerana turut membelenggu sebilangan belia yang mempunyai tanggungan kad kredit dalam usia yang masih muda."</i> </blockquote>
<blockquote class="tr_bq">
<span style="font-family: arial, verdana, sans-serif; font-size: 15px; line-height: 20px; margin: 0px; padding: 0px;">Untuk Artikel Penuh, klik <a href="http://www.kosmo.com.my/kosmo/content.asp?y=2013&dt=0218&pub=Kosmo&sec=Rencana_Utama&pg=ru_01.htm#ixzz2nF1N9brP" target="_blank">link</a> ini </span></blockquote>
<b><span style="color: blue;">Balance Transfer Program</span></b><br />
<br />
Macam yang aku bagi tau dalam <a href="http://faridpunya.blogspot.com/2013/12/at-least-20-days-interest-free-using.html" target="_blank">entri</a> sebelum ni, Balance Transfer or BT adalah antara jalan keluar terakhir (mungkin bukan yang terbaik) bagi nak melunaskan hutang CC, meminimakan interest charge dan elakkan jadi muflis. Umum sedia maklum bahawa CC interest yang dikenakan oleh pihak bank adalah yang kedua tertinggi selepas Ah Long (ke salah? Ah Long no.2 and CC no.1??).<br />
<blockquote class="tr_bq">
<b>Kadar interest seperti berikut:</b><br />
13.5% p.a. - For those who pay promptly for 12-months consecutively.<br />
16% p.a. - For those who miss 1 or 2 month within 12-months.<br />
<span style="color: red;"><b>17.5% p.a. - Other than above.</b></span> </blockquote>
<div>
<div>
Kita ambik kes interest yang paling kambing la. </div>
<div>
<b>17.5% per annum on reducing outstanding balance. OR 1.46% monthly.</b></div>
<div>
Pendek kata, kalau ko pakai CC RM 1000, dapat statement buat tak tau je, next month hutang CC jadi RM 1064! (RM 1064 = 1000 (pokok) + 14.6 (interest) + 50 (late charges) !!!</div>
<div>
<br />
<b>Kisah Teladan (Based on true story!)</b><br />
<br /></div>
<div>
Rententan dari cerita <a href="http://faridpunya.blogspot.com/2013/09/akibat-salah-plan-aku-sekarang.html" target="_blank">entri</a> terdahulu, bulan ni hutang terkumpul CC aku agak banyak. Salah siapa? Entah la, macam ada bisikan je suruh swipe CC tu. Aku summary kan semua hutang CC dalam gambar dibawah. </div>
<div>
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwWA6IeWyptb1l9DdUr37IdL3Wf5EzSSiR_EZ-u32ZgDGhBxS3K-o_urLbK1eKWv3oSoZEtsECTFg55X_6A-z33c4FhHS45aZz08IqUD5LOcDukcVJ0M7Lw8Y9Ch51k5P5kXEka91VNq0/s1600/gambar+hutang+dec+2013.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="382" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwWA6IeWyptb1l9DdUr37IdL3Wf5EzSSiR_EZ-u32ZgDGhBxS3K-o_urLbK1eKWv3oSoZEtsECTFg55X_6A-z33c4FhHS45aZz08IqUD5LOcDukcVJ0M7Lw8Y9Ch51k5P5kXEka91VNq0/s400/gambar+hutang+dec+2013.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Senarai hutang-hutang CC ismet dalam dan luar negeri!</td></tr>
</tbody></table>
<div>
<div class="separator" style="clear: both; text-align: center;">
</div>
</div>
</div>
Lepas aku check semua hutang tu, ternyata aku tak mampu dan takde cash nak bayar. Almaklum la, bergaji kecik. So, sebagai quick solution, aku terpaksa buat BT untuk CC aku tu (seperti dalam gambar di atas).<br />
<div>
<br /></div>
<div>
<b><span style="color: blue;">CC MBB & HSBC ---> CC PBB (BT 6-Months 0%, no processing fee)</span></b></div>
<div>
<b><span style="color: blue;">CC PBB ---> CC MBB (BT 6-Months 0.5% p.m, no processing fee) </span></b></div>
<div>
<br /></div>
<div>
<blockquote class="tr_bq">
<i>"Langkah ini dapat mengurangkan interest bulanan dari 1.45% p.m (atau RM 490) kepada 0-0.5% p.m. (atau RM 169). Jimat dalam RM 320 sebulan."</i> - Menteri Kewangan Farid </blockquote>
<div>
So, kalau korang pon tersepit dalam golongan berhutang ni, boleh dicadangkan pakai cara ni.</div>
<div>
Sila lihat promosi bank-bank PBB dan MBB seperti di bawah.</div>
<div>
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihp2lnppVy0j0BZNge4k1ePkxVvbdSTt4XdkMZnjqydwQZYlsaIUvefcdtrSr_qCSAYnp7XbzRb9dc3tP704dwiT6tg-4pJtQV_hrocreiHp4AiGy6YPG-1Lm0k9R_YyfHwQsj4iBidhg/s1600/gambar+BT+MBB.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihp2lnppVy0j0BZNge4k1ePkxVvbdSTt4XdkMZnjqydwQZYlsaIUvefcdtrSr_qCSAYnp7XbzRb9dc3tP704dwiT6tg-4pJtQV_hrocreiHp4AiGy6YPG-1Lm0k9R_YyfHwQsj4iBidhg/s400/gambar+BT+MBB.jpg" width="371" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Balance Transfer by Maybank</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxZYoFCySnkV75XTlttRVyP77Uw-JQwljQyzDl1rP3YE67KF4L_oa1cH5TdDx-O1HNblDh5VzDFTfWyPdvzEZpeWb6mUvu6w9VK6p9e1orDuh8PnqM3yjkLpkdFwM0bfMkUdToHHPQd8E/s1600/gambar+BT+PBB.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxZYoFCySnkV75XTlttRVyP77Uw-JQwljQyzDl1rP3YE67KF4L_oa1cH5TdDx-O1HNblDh5VzDFTfWyPdvzEZpeWb6mUvu6w9VK6p9e1orDuh8PnqM3yjkLpkdFwM0bfMkUdToHHPQd8E/s400/gambar+BT+PBB.jpg" width="321" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Balance Transfer by Public</td></tr>
</tbody></table>
<div>
<br /></div>
<div>
p/s: aku pakai MBB dan PBB balance transfer sebab kad ni je yang aku ada. Kat luar, maybe ada offer yang lebih menarik.</div>
<div>
<br />
p/s/s: lepas dah buat BT , jangan korang boros balik kad lama yang dah kosong tu.<br />
<br />
Selamat Transfer, Transfer dengan Selamat. </div>
</div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com7tag:blogger.com,1999:blog-5954281941018887541.post-77032312581518452482013-12-11T00:32:00.003+08:002013-12-11T00:32:53.737+08:00At least 20-Days Interest Free Using Credit Card (CC) !!Wahai pengguna2 CC yang budiman,<br />
<br />
Korang pernah tak belek-belek "Maklumat Penting" belakang CC statement korang ??<br />
Perasan tak ada ayat seperti berikut.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjypH-eGupyQMhANkIEhHCSq7Ypxliyqa1177h2Wx2z100iaPK029jFND_ihYkRPnADkqdF1GUO6WWDn26TUQdk-RfWVSZ4qwx8dFgFa1xp77ipvbXT7LmhzOR-smIDUuiqSr5mjtMjpZM/s1600/cc+maklumat+penting.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="230" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjypH-eGupyQMhANkIEhHCSq7Ypxliyqa1177h2Wx2z100iaPK029jFND_ihYkRPnADkqdF1GUO6WWDn26TUQdk-RfWVSZ4qwx8dFgFa1xp77ipvbXT7LmhzOR-smIDUuiqSr5mjtMjpZM/s400/cc+maklumat+penting.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ada klausa tempoh bebas faedah"</td></tr>
</tbody></table>
<br />
Dari ayat tersebut dapat kita simpulkan yang bank "cakap" begini,<br />
<br />
"Tolong la jangan bayar penuh. Kalau korang bayar penuh hutang CC korang, bank tak dapat nak caj interest. So, bank tak bisa buat untung. Kalau bank tak untung, bank boleh collapse!!"<br />
<br />
<b>xx Days Interest Free ni apa?</b><br />
Interest free tak sama dengan duit free.<br />
Interest free ni maknanya korang bayar apa yang korang pakai, tanpa sebarang caj.<br />
Kalau korang pakai RM 1000, korang bayar balik RM 1000. Takde faedah.<br />
<br />
<b><span style="color: blue;">Jadi, apakah teknik nak elak bayar interest CC dengan kemudahan "20-Days Interest Free" ni?</span></b><br />
<b><br /></b>
<b><span style="color: red;">PERTAMA: KENALPASTI TARIKH-TARIKH PENTING</span></b><br />
<b><br /></b>
Selain dari tarikh lahir bini atau anniversary anda, tarikh-tarikh penting yang anda perlu tahu adalah<br />
<b>Statement date (SD), Due Date (DD) dan Transaction Date (TD)</b>. Kat mana nak cek ni? Semua tercatat dalam bil CC bulanan korang atau korang boleh cek secara online.<br />
<br />
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</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXGXnWWtIGuf6iMfP4Usx_9wq012fNWUpQiFN6p0jpir6j4zfxM70-EilG4zWbCZ-ro_Ya58ilyOT8zeGPrL26RiV4If7FSKmcZWRanA8pyXGWl8oB8ddR7E8NAzbWsWLtLZCGggst_dU/s1600/cc+statement+mbb+for+blog.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="346" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXGXnWWtIGuf6iMfP4Usx_9wq012fNWUpQiFN6p0jpir6j4zfxM70-EilG4zWbCZ-ro_Ya58ilyOT8zeGPrL26RiV4If7FSKmcZWRanA8pyXGWl8oB8ddR7E8NAzbWsWLtLZCGggst_dU/s400/cc+statement+mbb+for+blog.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">SD dan DD dinyatakan dengan jelas dalam penyata CC anda!</td></tr>
</tbody></table>
<br />
Aku bagi contoh sebenar la, bagi senang korang nampak.<br />
Dalam CC Maybank yang aku pakai seperti di atas, jelas menunjukkan SD aku adalah pada 14/8/13 dan DD pula pada 3/9/13.<br />
<br />
So, aku kena tulis dalam dairi aku, <b>setiap bulan pada 14hb, statement CC maybank akan keluar dan aku kena bayar semua hutang CC dalam statement aku pada 3hb bulan berikutnya.</b><br />
<br />
Kalau by 3hb aku tak bayar penuh hutang dalam CC statement tu, apa jadi?<br />
<b><span style="color: blue;">ENGKAU KENA BAYAR INTEREST!! (ni yang tak best sebab interest CC max 18% p.a.!)</span></b><br />
<b><span style="color: red;"><br /></span></b>
<b><span style="color: red;">KEDUA: BELANJA / BUAT TRANSAKSI (TD) ANTARA SD DAN DD</span></b><br />
<b><br /></b>
Aku buat carta ringkasan kenapa korang kena pakai kad kredit antara SD dan DD.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQCVMhslExgMq_zTqTCTeYYTC2Zx0HLoZqpVbx382Q8JYa16CG1-eGJ9ZwiZHY_r9JVH1TZ8W2BTcS7Z7xJqbSCergU7HrY7HeZwaCxWazrsdpz1p5AWagYFp1aM7xiXy4SvXL5A5_oP8/s1600/interest+free.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="277" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQCVMhslExgMq_zTqTCTeYYTC2Zx0HLoZqpVbx382Q8JYa16CG1-eGJ9ZwiZHY_r9JVH1TZ8W2BTcS7Z7xJqbSCergU7HrY7HeZwaCxWazrsdpz1p5AWagYFp1aM7xiXy4SvXL5A5_oP8/s400/interest+free.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Carta ringkasan pasal CC punya SD dan DD. Juga kesan TD kepada interest free day. </td></tr>
</tbody></table>
<br />
<b>Apa korang paham?</b><br />
Kalau korang pakai CC antara SD dan DD, bilangan hari interest free korang lebih panjang (40-50 hari) berbanding kalau korang pakai CC di luar tempoh SD dan DD (20-30 hari).<br />
<br />
<b>Penting sangat ke interest free day yang panjang? </b><br />
Penting sebab korang boleh bayar benda lain yang lebih penting dari CC dan pada masa yang sama, tak kena interest.<br />
<br />
<b>Kalau dalam online internet banking, dia ada tulis (1) statement balance (2) outstanding balance (3) minimum payment. Mana satu yang nak kena bayar before due date?</b><br />
(1) Statement balance. Make sure bayar full.<br />
<br />
<b>Kalau tak boleh bayar full camne?</b><br />
Itu kita bincang dalam topik lain bertajuk balance transfer. <br />
<br />
Sekian, itu saja.<br />
<br />
"Selamat berhutang, hutang dengan selamat."<br />
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com3tag:blogger.com,1999:blog-5954281941018887541.post-20417383398707973972013-11-22T23:26:00.000+08:002013-12-07T12:18:57.433+08:00IKLAN RUMAH UNTUK DISEWA #1 (MENARA U, SEK 13 SHAH ALAM)<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: Tahoma, sans-serif; line-height: 115%;"><span style="color: blue;"><b>Kemasukan: Dec 2013 / Jan 2014.</b></span></span><span style="font-family: Tahoma, sans-serif; line-height: 115%;"><span style="color: blue;"><b><br />
<span style="background-color: white;">Unit premis:<span class="apple-converted-space"> </span></span><br />
</b></span><span style="background-color: white;"><span style="color: blue;"><b>Menara U Seksyen 13 Shah Alam<span class="apple-converted-space">, Unit Studio 2 bilik.</span></b></span><br />
<br />
<span class="textexposedshow"><b>Keadaan rumah:</b></span><br />
<br />
<span class="textexposedshow" style="color: #333333;">1. Partly Furnished (grille, Lighting, Fan, Air
Cond, Water Heater, pantry, sofa, curtain - under installation).</span><br />
<span class="textexposedshow" style="color: #333333;">2. Unit studio tingkat 23A.</span><br />
<span class="textexposedshow" style="color: #333333;">3. Saiz unit 622sf, 2 rooms 1 bath.</span><br />
<span class="textexposedshow" style="color: #333333;">4. 1 covered car parks (basement parking +
guarded).</span><span class="apple-converted-space" style="color: #333333;"> </span><br />
<span class="textexposedshow" style="color: #333333;">5. Next to bus/taxi stand.</span><span class="apple-converted-space" style="color: #333333;"> </span><br />
<span class="textexposedshow" style="color: #333333;">6. Guarded community, 24 hrs security.</span><br />
<span class="textexposedshow" style="color: #333333;">7. Privacy: Access card to Main Entrance, Poolside
Level 7 and Car Park.</span><br />
<span class="textexposedshow" style="color: #333333;">8. Fasiliti: Kolam renang, Gymnasium, Playground,
badminton/volleyball/basketball/squash court.</span><br />
<br />
<span class="textexposedshow" style="color: #333333;"><b>Berdekatan dengan:</b></span><br />
<br />
<span class="textexposedshow" style="color: #333333;">100 m to MSU Shah Alam</span><br />
<span class="textexposedshow" style="color: #333333;">1.4 km to KTM Komuter Batu 3.</span><br />
<span class="textexposedshow" style="color: #333333;">2.0 - 3.5 km to PTPL Shah Alam / Subang Parade /
Empire Shopping Subang.</span><br />
<span class="textexposedshow" style="color: #333333;">1 km ke Tol Batu 3 Federal Highway/1 km to Tol NKVE
Shah Alam Exit.</span><span class="apple-converted-space" style="color: #333333;"> <o:p></o:p></span></span></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<b><span class="textexposedshow"><span style="background-color: white; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;">Kemudahan
berhampiran:</span></span><span class="apple-converted-space"><span style="background-color: white; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;"> </span></span></b><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;"><br />
<span class="textexposedshow">7-Eleven<o:p></o:p></span></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<span class="textexposedshow"><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;">0.5 KM to
TESCO, GIANT </span></span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;"><br />
<span class="textexposedshow">Berdepan Restorant GENG CORNER (UPIN IPIN), MAMAK,
CHINESE MUSLIM <o:p></o:p></span></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<span class="textexposedshow"><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;">Kedai Shop
lot yang menarik.</span></span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; font-family: Tahoma, sans-serif; line-height: 115%;"><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><span class="textexposedshow"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<span class="textexposedshow"><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: Tahoma, sans-serif; line-height: 115%;"><b>Sewaan:</b><span style="color: #333333;"><o:p></o:p></span></span></span></div>
<br />
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<span class="textexposedshow"><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: Tahoma, sans-serif; line-height: 115%;"><span style="color: blue;">Kadar Sewa:
RM 1800* sebulan</span></span></span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: Tahoma, sans-serif; line-height: 115%;"><span style="color: blue;"><br />
<span class="textexposedshow">Deposit: RM 6300* (Deposit 2 bulan + 1 bulan
advance, 1/2 bulan deposit bil air/elektrik)</span><span class="apple-converted-space"> </span><br />
<br />
<span class="textexposedshow">*Kadar mungkin berubah tertakluk pada terma sewaan
dan permintaan tambahan.</span></span><br />
<br />
<b><span class="textexposedshow">Terma Sewaan:</span><span class="apple-converted-space"> </span></b><br />
<span style="color: red;"><b><span class="textexposedshow">• KEDIAMAN UNTUK DIDUDUKI SENDIRI (BUKAN MENYEWA
UNTUK DISEWAKAN).</span><span class="apple-converted-space"> </span><br />
<span class="textexposedshow">• TEMPOH SEWAAN: MINIMUM SETAHUN.</span></b></span><br />
<span class="textexposedshow" style="color: #333333;">• BINATANG PELIHARAAN TIDAK DIBENARKAN SAMA SEKALI.</span><br />
<span class="textexposedshow" style="color: #333333;">• PELAJAR / BEKERJA / BUJANG / BERKELUARGA YANG
CERMAT JAGA RUMAH DAN BERDISIPLIN / MAMPU BAYAR SEWA ON-TIME.</span><br />
<br />
<b><span class="textexposedshow">Interested?</span><span class="apple-converted-space"> </span></b><br />
<b><span style="color: red;"><span class="textexposedshow">Please call / sms / wassup Farid (012-9196006) /</span><span class="apple-converted-space"> </span><span class="textexposedshow"><a href="https://www.facebook.com/azura.rasidi"><span style="text-decoration: none;">Azura Rasidi</span></a></span><span class="apple-converted-space"> </span><span class="textexposedshow">(012-3153720)
/</span><span class="apple-converted-space"> </span><span class="textexposedshow">atau our appointed Agent</span><span class="apple-converted-space"> </span><span class="textexposedshow"><a href="https://www.facebook.com/ieza.fahmi"><span style="text-decoration: none;">Ieza Mohd Fahmi</span></a></span><span class="apple-converted-space"> </span><span class="textexposedshow">(012-6439543)</span></span></b><span style="color: #333333; font-size: x-small;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: Tahoma, sans-serif; line-height: 115%;"><b><span style="color: red;"><span class="textexposedshow"><br /></span></span></b></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjc8_0_etnJjltBG0m2f-pZKjXad6sf3DACGEeWpxXM_Mn0wymp5v5NREkPI8u-FgFUkJs4Yp_FJBS0KlayCMiQpyc48Wq2ZgtwQUWKt3QZJL-LESFgIVgGT5EowhIh1CLY0lf4-fqSLRs/s1600/200x150_q75-19_t_Menara+U+CCC+very+soon.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjc8_0_etnJjltBG0m2f-pZKjXad6sf3DACGEeWpxXM_Mn0wymp5v5NREkPI8u-FgFUkJs4Yp_FJBS0KlayCMiQpyc48Wq2ZgtwQUWKt3QZJL-LESFgIVgGT5EowhIh1CLY0lf4-fqSLRs/s320/200x150_q75-19_t_Menara+U+CCC+very+soon.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Outside view </td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp7jLvwJhtomi5IfeH5KdMRDb90VuDF-mpamfWy3fQwO5Gjn_bz05oixSeARzZpSY62z0_OvsKWB1YewcI5zDohrG-OyBsxO6H5uAVmkpuqqc7UrWtqC-tDd0QBq1CdiUhPKwN7rYsEX0/s1600/200x150_q75-19_t_Pool+view+lvl+7.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhp7jLvwJhtomi5IfeH5KdMRDb90VuDF-mpamfWy3fQwO5Gjn_bz05oixSeARzZpSY62z0_OvsKWB1YewcI5zDohrG-OyBsxO6H5uAVmkpuqqc7UrWtqC-tDd0QBq1CdiUhPKwN7rYsEX0/s320/200x150_q75-19_t_Pool+view+lvl+7.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Infinity swimming pool at level 7.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjA5HDNGCIfwrI7cK2bCUshxem65gAPB3EcVrylF34BHDTQoQfXP1tchbiyxPEN_uoDGEghP4awLP5dSqcX2t6XPCU8QQR9uGNE5d0naVejxcgSBMwZKAWOU4BnNjpTwbkvxPX5f0b_ORc/s1600/995220_10152005410619169_1358665431_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjA5HDNGCIfwrI7cK2bCUshxem65gAPB3EcVrylF34BHDTQoQfXP1tchbiyxPEN_uoDGEghP4awLP5dSqcX2t6XPCU8QQR9uGNE5d0naVejxcgSBMwZKAWOU4BnNjpTwbkvxPX5f0b_ORc/s320/995220_10152005410619169_1358665431_n.jpg" width="212" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">View from toilet</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPyzrLiWZM4bvboi50xPQD3c3CK_c6mWTwEkeOlDlNkAkp7Hhskk172OF4kl3RS8yTz9M8PAhqBgU5p7Z-6NC2AIyPNXxfH3sJ_OXaawY3JaKckDrZwHWMwzLsAckcZcMO48Rpa4qzsgo/s1600/1451537_10152005410479169_2117192779_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPyzrLiWZM4bvboi50xPQD3c3CK_c6mWTwEkeOlDlNkAkp7Hhskk172OF4kl3RS8yTz9M8PAhqBgU5p7Z-6NC2AIyPNXxfH3sJ_OXaawY3JaKckDrZwHWMwzLsAckcZcMO48Rpa4qzsgo/s320/1451537_10152005410479169_2117192779_n.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Nice studio unit with partition ready.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZrmThdJFi9DHg3Qfivdvii299bGl1-o9mMqdWWiZFgaZ59-QybzTWkIRoBO4Jdu-aL-LMZ3_1itRjF_NVuOit2Ian8_VmE9NWWVIRldHdjLyIVa9FJf1B7bsG41hxemv0ufUbNgZd3BM/s1600/1459156_10152005411079169_284197487_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZrmThdJFi9DHg3Qfivdvii299bGl1-o9mMqdWWiZFgaZ59-QybzTWkIRoBO4Jdu-aL-LMZ3_1itRjF_NVuOit2Ian8_VmE9NWWVIRldHdjLyIVa9FJf1B7bsG41hxemv0ufUbNgZd3BM/s320/1459156_10152005411079169_284197487_n.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Air cond equipped for both bed room</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidiCYQuFmX-DYD4ro0ky7lT_D18-paITEc_MQoWf2DldHdnUX4uWYmaooX3pyzqxdqSJhAHtLlyXgCKi431-wgNUNggvQrwadf4qpHK3G8ipx1-EDBQv0zHZ9D3Qctc54Z2UPOP5LN9p8/s1600/Lvl+7+floor.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidiCYQuFmX-DYD4ro0ky7lT_D18-paITEc_MQoWf2DldHdnUX4uWYmaooX3pyzqxdqSJhAHtLlyXgCKi431-wgNUNggvQrwadf4qpHK3G8ipx1-EDBQv0zHZ9D3Qctc54Z2UPOP5LN9p8/s320/Lvl+7+floor.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Wakaf santai di level 7. </td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_fUUnU2_cfL93cPBc1AL1Xa0uUPe3KLt9CFXFdORnB66poxTgNSOnbfglDQOFhMgi8XkbQ_94nJCmaVYe79xA_ZQJWmmBTniMht7G06_Pjj2cXxW-TwIN3o_3HxM_3vOD8LOsKgoYgWI/s1600/Menara-U.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_fUUnU2_cfL93cPBc1AL1Xa0uUPe3KLt9CFXFdORnB66poxTgNSOnbfglDQOFhMgi8XkbQ_94nJCmaVYe79xA_ZQJWmmBTniMht7G06_Pjj2cXxW-TwIN3o_3HxM_3vOD8LOsKgoYgWI/s320/Menara-U.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Lakaran kedudukan lokasi Menara U.</td></tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;">
<b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">Again, </b><br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;" /><b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">Interested? </b><br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;" /><b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">Please call / sms / wassup Farid (012-9196006) / Azura (012-3153720)</b><br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;" /><b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">OR our appointed Agent Ieza Fahmi (012-6439543)</b></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com1tag:blogger.com,1999:blog-5954281941018887541.post-66484824325146105902013-11-22T22:54:00.003+08:002013-12-07T12:18:57.436+08:00IKLAN RUMAH UNTUK DISEWA #2 (INDAH ALAM CONDO)<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="background: white; mso-cellspacing: 0cm; mso-padding-alt: 0cm 0cm 0cm 0cm; mso-yfti-tbllook: 1184; width: 650px;">
<tbody>
<tr>
<td style="padding: 6.0pt 17.25pt 0cm 0cm;"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;"><span style="color: red;"><b>Kemasukan: Dec 2013 / Jan 2014.<o:p></o:p></b></span></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;"><span style="color: red;"><b>Unit rumah: <o:p></o:p></b></span></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;"><span style="color: red;"><b>Unit Condo 2-6-xx Indah Alam Condo <o:p></o:p></b></span></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;"><span style="color: red;"><b>(a.k.a Subang Andaman Condo) Seksyen 21 Shah Alam. </b></span><span style="color: #333333;"><o:p></o:p></span></span></div>
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<br /></div>
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<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><b>Keadaan rumah:</b></span><br />
<br />
<ul>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Partly Furnished </span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;"> (</span><span style="border: 1pt none windowtext; color: #333333; font-family: Arial, sans-serif; font-size: 12pt; padding: 0cm; text-indent: -18pt;">Ready with grille, Lighting, Fan, Water, </span><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Heater kitchen cabinet,
sofa, curtain). </span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Unit condo baru tingkat 6.</span><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Saiz unit 1383sf,
3+1 rooms 2 baths.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">2 covered car
parks (basement parking + guarded).</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Next to bus/taxi
stand/Komuter Batu 3.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Guarded
community, 24 hrs security.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Privacy: Access
card to Main Entrance, Poolside Level 3 and Car Park.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Fasiliti: Kolam
renang, Gymnasium. </span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Playground, badminton/volleyball/basketball court, BBQ pit
@ Level 3.</span></li>
</ul>
</div>
</td>
</tr>
<tr>
<td style="padding: 6.0pt 17.25pt 0cm 0cm;"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><b>Berdekatan dengan:</b></span></div>
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<ul>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">Bertentangan Kilang Gula CSR.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">0.4 km to KTM Komuter Batu 3.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">1.5 km to MSU Shah Alam.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">3.5 - 4.5 km to PTPL Shah Alam / Subang Parade / </span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">Empire Shopping
Subang.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">1 km ke Tol Batu 3 Federal Highway & Tol EBOR NKVE</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">3 km to Tol
NKVE Shah Alam Exit.</span></li>
<li><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">7-Eleven / </span><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt; text-indent: -18pt;">Kedai Makan & Shop lot.</span></li>
</ul>
</div>
</td>
</tr>
</tbody></table>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><b>Kadar
Sewa: </b></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><span style="color: blue;">RM 1850* sebulan<o:p></o:p></span></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><span style="color: blue;">Deposit:
RM 6475* (Deposit 2 bulan + 1 bulan advance, 1/2 bulan deposit bil
air/elektrik) <o:p></o:p></span></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><span style="color: blue;">*Kadar
mungkin berubah tertakluk pada terma sewaan dan permintaan tambahan.</span><o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><b>Terma
Sewaan:</b></span></div>
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</div>
<ul>
<li><span style="font-family: Symbol; font-size: 12pt; line-height: 115%; text-indent: -18pt;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%; text-indent: -18pt;"><span style="color: red;"><b>KEDIAMAN UNTUK DIDUDUKI SENDIRI (BUKAN
MENYEWA UNTUK DISEWAKAN).</b></span></span></li>
<li><b style="color: red; text-indent: -18pt;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">TEMPOH SEWAAN: MINIMUM SETAHUN</span></b></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%; text-indent: -18pt;">BINATANG PELIHARAAN TIDAK DIBENARKAN SAMA
SEKALI</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%; text-indent: -18pt;">PELAJAR / BEKERJA / BUJANG / BERKELUARGA YANG
CERMAT JAGA RUMAH DAN BERDISIPLIN / MAMPU BAYAR SEWA ON-TIME.</span></li>
</ul>
<b style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Interested? </b><br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="color: red;"><b>Please call / sms / wassup Farid (012-9196006) / Azura
(012-3153720) / <o:p></o:p></b></span></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="color: red;"><b>atau our appointed agent Iza (012-6439543) </b></span> <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9CjIhcI5pya3a4KcoZW_qxtT1pgA1ced6W_bHWYURgVgInOS98_tJHvnPErfE72fxMeFGAULyP5yoi8GjBobnMjgD2VMvv6n3bdnOTf3zpnw-aqjSOGwahdVFvVagprOXfuE1M5Oos-Y/s1600/534981_10152005360269169_1623488665_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9CjIhcI5pya3a4KcoZW_qxtT1pgA1ced6W_bHWYURgVgInOS98_tJHvnPErfE72fxMeFGAULyP5yoi8GjBobnMjgD2VMvv6n3bdnOTf3zpnw-aqjSOGwahdVFvVagprOXfuE1M5Oos-Y/s320/534981_10152005360269169_1623488665_n.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Fasiliti baru dan moden.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3tsq90sV98qowvj5IHTEtbHelqiLAoi5t1AfMW7W3x-HZin88b2Uz1DOdVrmDQFxTb1VUPDM3jW9VENJ7Y0YN51zXzUVYjOvdMXrJAljTObWDfN7gAI-FO39sq-9thyphenhyphen1ybPbqmjIEvLc/s1600/1451590_10152005358809169_223679736_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3tsq90sV98qowvj5IHTEtbHelqiLAoi5t1AfMW7W3x-HZin88b2Uz1DOdVrmDQFxTb1VUPDM3jW9VENJ7Y0YN51zXzUVYjOvdMXrJAljTObWDfN7gAI-FO39sq-9thyphenhyphen1ybPbqmjIEvLc/s320/1451590_10152005358809169_223679736_n.jpg" width="212" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Laluan ke bilik yang luas</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGNl8Pav6YeMDitoqODz6DYDRdQlClcFCjdf7muiP7um1jJfjy0NgQMzzWo3d4WLSFkaWkAuj_1KGq0Xrb31NpYJPhH5HV2blX3fotTn_oAqwa-1OztKxMHDJG0g6fy5aOW4OEEwIiw7I/s1600/1456015_10152005360129169_1672865053_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGNl8Pav6YeMDitoqODz6DYDRdQlClcFCjdf7muiP7um1jJfjy0NgQMzzWo3d4WLSFkaWkAuj_1KGq0Xrb31NpYJPhH5HV2blX3fotTn_oAqwa-1OztKxMHDJG0g6fy5aOW4OEEwIiw7I/s320/1456015_10152005360129169_1672865053_n.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Balkoni yang lapang.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTOZ_gP9PQij6PBSb7nZG3ES1yzrs5kQ4jD1oG2k-uqrmVteswxZEVXbLNt5J5a9Po_8jAII201v4tBOjH72Fm7HYz3WuGY7Zlz2pmyjkz5151b6Ip1UMNR8Jf8y0UGZYv-NFzpmLYHsQ/s1600/1461203_10152005360274169_790394809_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTOZ_gP9PQij6PBSb7nZG3ES1yzrs5kQ4jD1oG2k-uqrmVteswxZEVXbLNt5J5a9Po_8jAII201v4tBOjH72Fm7HYz3WuGY7Zlz2pmyjkz5151b6Ip1UMNR8Jf8y0UGZYv-NFzpmLYHsQ/s320/1461203_10152005360274169_790394809_n.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Secured playground for kids @ Level 3.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT_yUsNDVi2VZ2ejUwU5ESzu5IZDDiBppD20XOt79S0aWUf_0JoJbjZUwLmo0GpxS7PzhyuWaJ9ktNLxShbeGAZPYCSvGRkFkr25foZB0i8EK9Rp3pcis596DxSEB1xM6FtxPYH3H-a5Y/s1600/1466200_10152005359384169_477457244_n.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT_yUsNDVi2VZ2ejUwU5ESzu5IZDDiBppD20XOt79S0aWUf_0JoJbjZUwLmo0GpxS7PzhyuWaJ9ktNLxShbeGAZPYCSvGRkFkr25foZB0i8EK9Rp3pcis596DxSEB1xM6FtxPYH3H-a5Y/s320/1466200_10152005359384169_477457244_n.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Spacious dining and living hall.</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-pu11tRqTH80rjrtPN6RzM6EcNm_XFwLbs6vxy3M8-gUc6lMp8RBo7OtDdIwJb9go7i_ejjgyQPUqZJa4VV6CioT5fcBmjv3zgaIwl3xk3kIdQJbln0Uw9B3pLT5hUAaqghWDAp-d7ZA/s1600/outside.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-pu11tRqTH80rjrtPN6RzM6EcNm_XFwLbs6vxy3M8-gUc6lMp8RBo7OtDdIwJb9go7i_ejjgyQPUqZJa4VV6CioT5fcBmjv3zgaIwl3xk3kIdQJbln0Uw9B3pLT5hUAaqghWDAp-d7ZA/s320/outside.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Outside view.</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
<b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">Again, </b></div>
<b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">Interested? </b><br />
<b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">Please call / sms / wassup Farid (012-9196006) / Azura 012-3153720)</b><br />
<b style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">OR our appointed Agent Ieza Fahmi (012-6439543)</b><br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com1tag:blogger.com,1999:blog-5954281941018887541.post-56372067618318230192013-10-22T15:20:00.004+08:002013-10-22T15:20:50.473+08:00Dari Hutang CC 30K, Encik K telah Upgrade Civic FD ke Audi A4 ??Baru-baru ni ketika ada meeting di Hyatt Kuantan, aku telah bertemu dengan seorang rakan sekerja lama yang dah lama tak jumpa (agak-agak dalam 3 tahun la). Nama dia Encik K.<br />
<br />
Walaupon aku dilahirkan kacak, ternyata sekarang dia jauh lebih kacak dan berkarisma dari aku. Sebab sekarang dia sudah bawak Audi A4 yang berharga RM 178 ribu (mungkin bagi korang murah je, bagi aku mahal sebab beribu-ribu kali ganda dari gaji aku).<br />
<br />
Alkisah suatu petang ni pantai Hyatt yang renyai, dialognya berbunyi camni.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://3.bp.blogspot.com/-QNsuEdO6zvM/T4laMo2wvUI/AAAAAAAC_Fo/uWMYcotq8KM/s160-k-no/Hyatt+Regency+Kuantan+Resort" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="200" src="http://3.bp.blogspot.com/-QNsuEdO6zvM/T4laMo2wvUI/AAAAAAAC_Fo/uWMYcotq8KM/s160-k-no/Hyatt+Regency+Kuantan+Resort" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ni la tempat aku sedut ilmu Encik K sambil minum air kelapa.</td></tr>
</tbody></table>
<b><br /></b>
<b>Aku:</b> Bro, ajar aku camne ko beli kete Audi ni? Apa jadi dengan Civic FD ko?<br />
<b>Encik K:</b> Aku beli ni tak sengaja bro, panjang citernya.<br />
<b>Aku:</b> Pendek kan.<br />
<b>Encik K:</b> Last year aku ada hutang bulanan yang banyak. Aku kena bayar bulan2 dalam 3 ribu untuk kete Civic dan CC aku je. Hutang Civic sebulan dalam RM 1100 dan CC aku ada outstanding dalam 30 ribu.<br />
<b>Aku:</b> Then?<br />
<b>Encik K:</b> Aku buat personal loan dengan Bank Islam RM 100K. Tapi Bank Islam taknak bagi cash, dia nak setelkan hutang aku. So, habis hutang kete RM 70,000 dan hutang CC RM 30,000. Dan aku bayar bank Islam bulan2 dalam RM 1000.<br />
<b>Aku:</b> hmmm...Ok..apa kaitan dengan tukar kete tue?<br />
<b>Encik K:</b> Pasal kete tu, asalnya aku xde plan nak tukar. Tapi aku gatal tangan pi tukar absorber adjustable, terus tak sedap kete tu. Dengan rasa tak puas hati, aku pon post kat Mudah, nak jual kete Civic FD 2008. Harga dalam RM 98K.<br />
<b>Aku:</b> Hmmm...boleh ke? Market value bukan dalam RM 80K lebih ke?<br />
<b>Encik K:</b> Tu la pasal, ada orang nak kete aku, Farid. Dia mintak tawar, aku kurangkan RM 500 pon dia nak jugak. So, deal pon ON la. Dia amik kete aku, aku dapat RM 97,500 cash!<br />
<b>Aku:</b> So, balik ke citer Audi tadi?<br />
<b>Encik K:</b> Apa payah nya. Duit tadi aku dump la beli Audi A4 tu. Downpayment dalam RM 100K, aku amik loan dalam RM 78K. Bulan2 dalam RM 780 for 9 years.<br />
<b>Aku:</b> Hmmm...bijak2.<br />
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<tr><td style="text-align: center;"><a href="http://www.sonicstation.net/wp-content/gallery/fd_typer2/3.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="236" src="http://www.sonicstation.net/wp-content/gallery/fd_typer2/3.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Civic yang di"letgo" (Gambar Hiasan)</td></tr>
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<tr><td style="text-align: center;"><a href="http://img.automodels.org/photos/2014-Audi-A4-4.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="213" src="http://img.automodels.org/photos/2014-Audi-A4-4.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Audi A4 yang di"angkat" nya. (Juga gambar hiasan)</td></tr>
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So, itulah tips yang dikongsikan oleh Encik K.<br />
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<ul>
<li><b>Tahun 2012, dia ada Civic FD, hutang CC RM 30K dan komitmen bulanan dalam RM 3000.</b></li>
<li><b>Tahun 2013, dia jual Civic FD, angkat Audi A4, tiada hutang CC dan komitmen bulanan dalam RM 1800 aje.</b></li>
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<b><span style="color: blue;">Lesson learnt:</span></b><br />
1. Kalau absorber rosak, masuk yang standard balik. Kalau tak sedap jugak, tukar kereta terus.<br />
2. Ini antara cara debt consolidation, menyusun hutang agar kita tidak tenggelam dalam komitmen bulanan yang tinggi.<br />
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Semoga bermanfaat dari pembacaan ini.<br />
faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com10tag:blogger.com,1999:blog-5954281941018887541.post-35031077547056513622013-09-26T22:36:00.003+08:002013-09-26T22:36:27.994+08:00Akibat Salah Plan, Aku Sekarang Tenggelam dalam Lautan Hutang! Tatkala aku sibuk memberi tips-tips kewangan kepada kawan-kawan, aku terlupa yang kewangan aku sekarang sudah masuk zon MERAH! <div>
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<tr><td style="text-align: center;"><a href="http://upload.wikimedia.org/wikipedia/commons/d/d5/Trygg-hansa_life_buoy.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="http://upload.wikimedia.org/wikipedia/commons/d/d5/Trygg-hansa_life_buoy.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Life bouy ini enggak bisa menyelamatkan kamu di lautan HUTANG!</td></tr>
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Ku sangka panas hingga ke petang, rupanya hujan di tengah hari. Rancangan aku tak berjalan seperti yang dirancang. Masih korang ingat cerita cash out dalam <a href="http://faridpunya.blogspot.com/2013/05/petua-refinance-rumah-lain-penilai-lain.html" target="_blank">entri refinance rumah</a> aku yang lalu, sampai sekarang masih tak setel lagi. Sejak aku sign LO pada Mei 2013, hingga 'la ni' duit cash out masih tak masuk-masuk. Poning pokcik berperang email dengan lawyer & banker nak suruh cepat disburse duit, tapi jawapan standard aku terima, "money on the way"! </div>
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<b><span style="color: red;">Apa punca aku boleh hanyut ni?</span></b></div>
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1. <b>Rumah dah siap!</b> Aku lupa dalam bulan 8 aku dah kena start bayar penuh installment rumah. Rumah yang aku beli tahun tahun 2009 dan 2011 (rujuk <a href="http://faridpunya.blogspot.com/2013/06/inflasi-punya-pasal-ramai-orang-jadi.html" target="_blank">entri inflasi ini</a>) sudah 100% siap dan developer dah panggil suruh ambil kunci. </div>
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Installment aku pon sudah double up, dari sejumlah RM 600-1200 sebulan (progressive payment installment under construction untuk 3 tahun) untuk kedua-dua rumah ni menjadi dalam RM 3500 sebulan total. Tidak termasuk RM 230 dan RM 150 sebulan untuk maintenance fee kedua-dua ketul rumah ni.</div>
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2. <b>Harga emas jatuh.</b> Aku telah gunakan 70% duit gaji aku dengan galaknya menambah stok emas. </div>
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(Member aku cakap "Orang tamak selalu UNTUNG". Kepala hotak la!)</div>
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3. <b>Banyak IPO-IPO yang menarik</b> dilancarkan dalam bulan Jul - Sept ni. Disebabkan taknak tertinggal bas, aku pon terjebak beli jugak.</div>
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4. <b>Penggunaan CC balance transfer tanpa kawalan.</b> Balik cerita <a href="http://faridpunya.blogspot.com/2013/08/my-best-buddyz-encik-kad-kredit.html" target="_blank">entri CC</a> aku, aku suka berbelanja pakai kad Maybank 2 Card dan bayar penuh bila due date. Kalau aku tak boleh bayar penuh, aku buat balance transfer ke kad lain. So, CC Maybank aku kosong balik dan belanja balik. Begitu la rutin nya hingga sekarang aku kena bayar bulan-bulan dalam RM 5000 untuk balance transfer sahaja.</div>
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Akibat dari "kebijaksaan" aku ni, aku sekarang mengalami cash flow bulanan yang super negatif -50% (maksudnya gaji aku 100%, belanja aku 150%)!</div>
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Untuk meneruskan hidup, sekarang aku terpaksa mengorek saving aku tiap-tiap bulan dan meminjam duit Cik Zura untuk bayar hutang-piutang yang ada. Memang ber'nanah' jugak la telinga bila Cik Zura membebel, tapi tahan je la. hehehe!</div>
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Harap-harap before hujung tahun ini everything back on track kalo duit cash hasil refinance masuk. Kalau tak, kena jugak buat plan B! </div>
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"Ya Allah, permudahkanlah hidup hambaMu ini, dan ringankanlah kami dari bebanan hutang. Amin"</div>
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<b style="background-color: #fbfbfb; border: 0px; color: #444444; font-family: 'Open Sans', Helvetica, Arial, sans-serif; font-size: 12px; line-height: 20px; margin: 0px; padding: 0px; vertical-align: baseline;"><br /></b></div>
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<b style="background-color: #fbfbfb; border: 0px; color: #444444; font-family: 'Open Sans', Helvetica, Arial, sans-serif; font-size: 12px; line-height: 20px; margin: 0px; padding: 0px; vertical-align: baseline;">p/s: On Spending: </b><span style="background-color: #fbfbfb; color: #444444; font-family: 'Open Sans', Helvetica, Arial, sans-serif; font-size: 12px; line-height: 20px;">“If you buy things you do not need, soon you will have to sell things you need."- Warrent Buffet</span></div>
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faridfahmihttp://www.blogger.com/profile/14079288146206124444noreply@blogger.com11