Forex Course and Toyota Wish

Toyota Wish

Last Saturday 12th May, I went to Klang, car dealer to see Toyota Wish. I have choose one recon Toyota Wish year 2003. Its silver colour. Price after negotiation is RM125K. I already bring along with me all necessary documents like 3 months pay slip, EA form and EPF statement. All documents gave to the salesman for loan application and also RM500 deposit. I try to apply full loan.

On Thursday 17th May, received call from salesman informed that loan already approved but only RM120K. I inform that I don't want, because I need full loan. I only can accept if he reduce price. He will negotiate with his boss. At the evening 7.00 pm, he called to inform that his boss agreed to reduce RM2K only. I ask to reduce one more RM1K, if can not I reject it. Yesterday 18th May, he called that his boss agree. So the price is RM122K. Loan RM120k and I need to pay RM2K. I also need to pay RM1664.35 for insurance (after deduct NCD - NCD current car transfer to new car), RM279.20 for road tax, RM350 registration, RM350 inspection at puspakom and RM200 for Niki (custom purpose). Total I need to pay is RM4323.55. All this total is I not take from OD because OD almost finish. I use this from saving money. This saving is from sell Public Mutual unit trust (RM3K) and cancell ASB loan (RM5K). En Aziz ask to sell unit trust and cancell ASB loan during 1st time meet him. Maybe he mis look this amount during 2nd meeting.

Today I go there to pay and sign loan agreement. I bring along with me my wife, my daughter and my step son. I need this car before go back to home town next week. Salesman inform maybe difficult to get so fast because it take more time to deal with custom, but he will try his best.

Forex course

On Thursday, at 8.00 pm, I have Forex course. I don't have plan before to attend it, because I don't know there are the course on that day. My friend ask me to join it. The course is start at 8.20 and finish about 11.oo pm. Fee for this course is RM500. I don't know either RM500 for 2.5 hour course is expensive or not because for one hour appointment with en Aziz is RM650.

This course is organized by USS group speech by ustaz Sobri. This course is different from other courses I had attend before. Courses before teach about indicator, trend, when to buy or sell etc. But this course do not teach those things. This course is asking us to follow their decision to buy or sell by following some techniques. 5 techniques were given. Other techniques will give online.

There are also some job opportunities open for those who folow the instruction. To qualify it, need to submit 14 days trade report with no floating, and only use technique no 1 for trading. Salary 1st month - RM500, 2nd month RM1000, 3rd mth RM2K, 4th mth RM3K, 5th month RM4K, 6th mth RM5K and 7th month RM6K. On 8th month no more job but they give RM1K for trade. This job opportunities will give chance to other person after 8th month. As informed, so far there are 70 person under waiting list for this job. This job opportunity is no need for us to leave current job. I will try to apply job opportunities if trade record is meet the requirement.

After course finish, I go back and try technique no 1. I have got USD29.40 by using 5%x12 of my capital USD555.00. This profit is for 5 minutes make trading. Its really work. If this continuosly, in month 9th forecast income by ustaz Sobri is RM 300,000.00 for capital of USD 100.oo. USS group want to create more "jutawan senyap" online.

Bank's Matter

Today is Friday 11th of May 2007. Almost the whole day today I am dealing with banks. I have no plan before to deal with many banks today. It happen with last night plan. Why I am making last minute plan? Yesterday, after go home from work around 6.00 pm, I receive a call from RHB bank to mention that my 2nd OD already approved and I need to go there to sign an agreement, to open another current acount and other documents. I make appointment with them after Friday prayer. I plan to take a short time during lunch time after Friday prayer to go there.

Last night, after dinner and my daughter already sleep, as usual I make trading Forex online. During midnight, there are no forex trend or forex trend not so nice. I off PC and check documents related to the financial planning project which is the documents not manage well. I am startled after saw the OCBC power credit account statement. The payment due date is on 11th May that means today. I already saw the statement before but I thought due date is on 11th June. After check other documents BSN personal loan already over due (due date on 7th), HLB home loan also due today. If OCBC power credit I cannot settle today, there are interest charge and also late charge. If do not make payment late charge is RM90 (1% of RM9,000).

After go through all the document, I must settle all OCBC, HLB and BSN payment. After consider all these and also RHB bank for OD, I decide take leave. May be no need for me to take leave if I plan well before. My plan to do today are as below,
1) go to HLB Shah Alam to make payment of housing loan (cheque deposit machine)
2) go to OCBC at puchong to make payment. Total need to pay is RM9008.28.
cash RM500 and cheque RM8508.28. Use cash because I am afraid cheque can not clear by
today to avoid late payment.
3) go to HSBC puchong to make refinance home loan
4) go to BSN Shah Alam to make payment of home loan
5) go to RHB bank at Giant Shah Alam to sign agreement of OD
6) go to Telekom to settle telephone and internet bill
7) go to EPF to ask status of withdrawal application which is made on 2nd April
8) go to MBSA to pay "cukai pintu" - help landlord

All are as per plan except item no (8). I arrive at MBSA around 4.30pm. Door already lock and their inform close already and ask to come next week.

At Puchong untill 12.45. At HSBC it take around 1 and half hour. Its take long time because of waiting officer incharge is still with other client. During discussion about refinance, I inform him that if loan approved, I need to wait EPF withdrawal 1st to give to HLB. I mention to him that I already apply for EPF withdrawal to reduce homeloan since 2nd April, and EPF officer inform it take about 2 months to settle. Bank officer told me that normally for EPF withdrawal it take ablut 21 days only and ask me why so long. I have plan to go to EPF today and will ask about it. HSBC bank officer inform that for processing of refinance it take about 4 to 5 days. He also will check the market value of my apartment.

I arrive at EPF department around 4.00 pm. I ask the EPF officer about the status of my application. After she check inside her PC, she inform me to go inside to take cheque. My application already approved on 19 April. Today 11th May. That means its already long time my application already approved but I don't know. What OCBC bank officer inform me is correct because its less than 3 weeks. I took my cheque. Its more than RM51K. I have no time today to go to HLB Klang branch to submit EPF cheque. If I know EPF already approved quite long time ago, I can settle this matter early.

OD - limit RM32,300. Yesterday I check more than RM9K already used. Today I make RM8508.28 for OCBC, RM635 for HLB and RM442 for BSN. That mean already more than RM18K already used. Today receive statement from Citibank. Bill is about RM11K. Need to pay before due date on 27th May. If this amount also I use 1st OD, my OD almost full utilized.

How to pay back OD already used???? Next week I will call Kak Lin to make appointment with Mr Aziz. Need to meet him as soon as possible.

Tomorrow I will go to Klang with my collegue, mr. Yusof Salleh to see Toyota Wish. Base on OD balance and how to pay it, actually I am worried to buy it, but I believe that Mr Aziz have the solution.