Having same problem here too

Ptptn
Car loan
Apartment loan

These 3

Both you and your manager do NOT have NAV of RM20mil or RM30mil. RM20mil in NAV and yet ure here on Lowyat forum? So who is lying here?

And no, fools don't call others fools. Are u creating your own facts?

Only a fool would claim to have a NAV of Rm20mil and say that when he sells everything he only has RM600K.

But do educate us why a person with a NAV of RM20mil can't even secure a loan for a double storey house? If u really had a NAV of RM20mil, all banks would be rushing to do business with you right?

This post has been edited by cybermaster98: Jul 25 2016, 12:43 AM

Insurance, parents expenses, fuel, food

Well I guess I got not much to waste after all of these expenses

I usually take Mixed Rice.
I am using Umobile RM70/mth due to its unlimited calls (My work requires to call ppl a lot)

Earlier, you claimed that RM30m is the NAV.
Now you change the phrase to....table/paper asset "worth" very high and true cash value worth very low. The word NAV was deliberately omitted as you're unsure of which is NAV and which is not.
It's very simple, if you say RM30M is the NAV then the "true cash value" ( I'm quoting your lingo) is RM30M.

This post has been edited by aeiou228: Jul 25 2016, 10:22 AM

Can claim but I chose not to..
I don't feel good revealing to whom I called

Exactly bro. This fellow is your typical 'pusing cerita' case. He fights with anybody who dares to stand up to him and his nonsense. Even forumers on other threads have fought with him because of his nonsense. Except for his comments on electrical drills, he doesn't know anything about financial management and he just boasts about stuff he doesnt have. Who in the right mind would claim having a NAV of RM20mil and yet not be able to secure a loan for a simple double storey house?? Even the banks know he doesnt have good finances and yet he talks as if he is somebody. Typical tin kosong la tis fellow.

Funny we had 2 renovators who came to challenge all the finance threads taikors claiming they know better than everyone else; supersound first and kengyan now....

They seem to be active in different renovation traits though, else I would think they are just alter-egos
Both likes to call names which makes them stand out from everyone else

Oh o....! The permaban LYN reject is back with a new dupe ?

I see..
Noted.

For now my solution is to work on self-improvement in my work field.
So that I can get promoted & increment...

So far I get increment yearly

Both ? "They" are the same person !

From the writing style and the content (the lack of), most probably they are the same person. Because everybody ignored supersound, he has to register a dupe

Wow, visited this forum after several years and discovered that there is an incarnation of Jayraptor from F&F here. Jay was a legend in F&F for his antics.

@kengyan
Keep it up bro, you are doing it right! Our motto is: "We never learn" modified from the Greyjoys: "We never sow"

Quite Funny reading this thread actually

1) Discussion About NAV and those millionaire NAV or so called "Insurance" promotion Million Dollar Table

2) Read Discussion about Personal commitment from Housing Loan, PTPTN, Credit Card, Personal Loan.
( Never like personal loan, it kill you. Try Reduce Credit Card Debt first. Never and Never opt for personal loan unless needed.
Make use of those Bank ( Balance Transfer Program)

kengyan

i think you have to be more brave and admit what you have said.pusing pusing will only get yourself entangled.
say what you mean and mean what you say.

your post clearly showed that u felt insulted, you can only cheat yourself but not others

as for your fren, if his stocks is worth only RM600k today, only a fool will accept your fren's NAV is still RM30million.
You cant say NAV is a cheat (just becos he paid 30M and got only RM600k now), your fren is if he insist his NAV is 30M

Similarly if u got cheated by one UT agent, u cant say all UT agents cheat.

Kengyan himself claimed he has got NAV of RM20mil.

But weirdly, such a high net worth individual could NOT secure a housing loan for a cheap double storey house.

Just check out his historical posts on LYN. He fights with many ppl on other threads too. Same old crap.

Damn what has this thread become..

Possibly mistaken between Portfolio and NAV?

I presume have confused/mixed up with historical cost, current market value, NAV n extremely complicated financial instruments (measure by MFRS 139)