Thursday, October 7, 2010

CF course, bank negotiation ...

Hari ni aku masuk opis setelah course financial cash flow dah selesai. Its very interesting course eventhough not related to my opis work but good apa yang aku buat sekarang. Kena analyse company report, asset, shares, stock, cash, creditors, debtors cam2 lagilah untuk tengok company cash flow samada bank consider bagi loan atau tidak. Baru aku tahu eventhough company declared loss tapi bank boleh kasi loan after CF analyse di lakukan dan of courselah mesti ada assumptions.. Very though to me yang takde accounting background but very good exposure... maklumlah free company sponsored .. tq boss2 sebab approved training aku .. ( kalau boss aku baca blog aku ni yang banyak mengutuk dia gerenti takde bonus tahun ni )..

Kawan asben aku mintak tolong aku negotiate dgn one of the foreign bank untuk buat installment on overdue repayment.. Bila aku tengok OS dia banyak betul iaitu RM31K. Last payment yg ayah dia bayor on 22/9/2010, lepas tu tak bayor. Rumah pun dah renovated bagus tapi monthly repayment tak di bayarnya. Rumah ni rumah lama yg di beli dengan harga 60k ajer and now after renovation MV around 300K to 350K. Besok aku cuba nego dengan bank ni. Dari statment yg aku tengok on 2/4/2010 ada legal fee amounting RM2000 aku rasa ni 1st reminder yang bank served pada ayah kawan asben. Kalau RHB dah gerenti masuk listing lelong..

Suddenly asben aku ke Kedah untuk attend emergency meeting di opis client. Sepatutnya malam ni dia kena bawak contractor untuk tengokkan bumbung bocor di apartment Cheras aku.. jd kena postponed esoklah itupun kalau dia sampai KL awal. Tennats nak masuk rumah hari ahad ni. Contractor ni cekap rasanya within a day dia boleh settled.. harap2lah ... Asben aku pun dah served resign notices to current employer on last Tuesday untuk rejoin company lama dia since ex-boss dia offer gud salary.. tiba2 company yg dia interview sebelum raya called dan hantar email offered employment.. walapun company bangi less pay but dia punya bagus ada car loan with zero interest, company trip, family trip dan very gud medical benefits extended to family ... so asben aku akan decide once back from Kedah ...

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