The Friendly Ah Long

P.s. The problem of drafting a blog late at night – instead of clicking the “Save Draft”, I accidentally pressed the “Published” button. This explains why you may have seen half completed post in your RSS feeder. Sorry about that.

(2011 seems to be a very slow year for blogging. It is not that I am having a writer’s block – I have almost a dozen posts in my mind now but rather, does not seem to have the “urge” to put things down on “paper”. One such example is this post below which I have been thinking about for sometime now)

(How many of us keep a budget? How many of us spend more than we earn? It is not too late to learn the fine art of financial planning – keeping budget, ensuring that our income is enough to cover the expenses, keeping up saving for rainy days and when hard days are in, to learn to cut down on unnecessary expenses and tighten our belts)

This is rather personal but it is a situation we have been in before…

I am pretty sure we have been on both side of the spectrum at some point of our life. We would have borrowed from someone when times are bad or lend someone when they were in a tight situation. I recall accidentally leaving my wallet in the house one day and I had to rely on my good friends for cash for the day.

Lending money to close friends or relatives is nothing new and is not wrong. It is different from lending money to total strangers on commercial basis – you don’t usually impose any of the exorbitant loan shark interest, repayment period is very flexible (that money sometimes ends up as free gifts) and no hard feelings when you face them during family gatherings or go out for lunch. This is because you know them and their family members very well and you trust them deep enough to part with your hard earn money and sometimes forget about it.

Long before I got married and was still young, naive & ignorant, I had to help one of my relatives out on his financial problems. I was still single with very few commitments and made enough to have a reasonable savings at the end of the month and I knew about the problem that my relative was facing. So when he asked me to take a huge loan on his behalf as he was facing problems getting loans himself, despite major alarms going off all over the place, I did not hesitate much in agreeing to it. He promised that he will pay the repayments once the loan has been approved. It did not take long for me to find out that I have been duped. He came out with thousand and one excuses and dishonored his promises that he made before I agreed to take up the loan for him. Ya, I was that naive and to some extent stupid.

A couple of years after that was a little mess indeed but thankfully it was resolved in good terms by the same relative. It was a good wake up call for me too – it made me a bit more wiser and more alert and give the due consideration when someone starts asking for a big load of money. It made me a bit paranoia but that’s ok as there were other positive changes as well (I will post about it some day)

The reason why I am recalling this old story is that couple of months ago, I got a call from a good buddy of mine. He needed some cash very urgently – I know he was doing some part time business and he was facing the usual cash flow problems. He called me several times before but having been in “getting-in-someone-else’s” financial mess before, I always found some good excuses to say no.

But the last call for money seemed urgent and desperate. I know this ex-colleague very well – we worked together for long years and he helped me at work before. I have been to his house several times and know his family well too. So, when he called me one late night with no other options left, I had to think hard. On one hand, I had the spare money at hand and I know things were serious indeed and I was ready to give that money but on the other hand, I know my good buddy rather well. He was well known to delay things, don’t usually plan well ahead and somehow I know I have plenty of chasing to do to get back the money. Deep down, I know where I was getting myself into – I gave the money that he requested.

History seems to repeat itself but thankfully this time, the amount is very small and manageable. My friend promised to pay back in a “couple of days”. That “couple of days” however was many months ago. But since I know what I was getting into, I was not really pushing him hard to  pay me back. But at the same time, I don’t want him to just “forget” the money that I gave him in good faith, so I do give him a call occasionally just to refresh his memory (as I said, I know him very well).

Now, the real reason I am posting these stories is not because I had to lend someone some money – a friend calls you for urgent cash and being a good friend, you help him – that is fine and admirable. And you allow the flexibility and time for him to pay you back the cash – in part or in whole. I am doing the same thing but what I could not tolerate is the change of attitude after you have helped your friend with his/her problems – you will encounter the “silent treatment”.

He promised to pay me back in a couple of days later but when the day came, he did not call back. A week after that, I called him – he did not mention anything about repaying back. He was telling me about his problems which I silently listened and consoled him. When I called him one day, he then told me that he is getting a loan from the bank to settle his other debts which included mine. It’s seems positive but I was not giving it much hope. More than a month later, when pressed for a solution, he said the loan has approved and pending disbursement. Lately he simply been unreachable.

The matter is money when it comes to close friends and close family members is secondary (by nature, it is) but it would have been the worth if my friend could have been more honest on his financial situation and do not give the round about. By giving that silent treatment and act as if nothing had happened is an abuse of the trust and understanding of a good friend. I just hope that he realized that.

It is ok if he did not have the money to pay back but he should not giving excuses after excuses. Tell me what are his plans to get back on his feet – if he needs more time – I would have been happily granted his request. I may even assist to look for means to settle his problems. And when he promised something, he should at least keep it – or call up earlier to say that he had tried his best but unable to meet his commitments. That is what I had expected to get but did not in the end. In reality, it is not helping his situation especially if he need to ask for another favor in the near future.

That is all…

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Car, Not Bus

Sometimes I wish I could shout “I am not driving a bus lah!”

Bus_full

(This is how some relatives see my car at certain times – Image source: http://welcome.pickuppal.com)

Couple days ago, my car suspensions took a heavy pounding – all because my mom decided to be very generous.

We were planning to go to temple – me, my wife, the “big boss”, of course and my mom. We decided to take my wife’s nimble Viva since it is just nice for the 4 of us (considering the big boss is no longer the small baby that everyone perceives him to be. He needs his space and his MP3s).

At the 11th hour, as I woke up from afternoon slumber to take my shower, I realised one of my aunties had come over to the house – intending to follow us to the temple. We had no idea of having anyone else following us at the last minute and certainly have not informed others. And just when we were about drive out, my Dad got dressed up and was waiting to follow us – it has been some time since he last went to the temple and suddenly decided to join in (after persistently coaxed by the big boss who is very, very close with his grandpa).

When we saw him, we knew that we needed to abandon the idea of taking the Viva (5 adults and 1 kid would be very challenging inside the cramped Viva). I decided to take my car which is bigger (and more powerful than the Viva, he he) – there was no other choice but having 3 heavy adults and 1 kid at the back to create a wreck on my rear suspensions.

Despite having new spring coils, the car just dropped down at the back and as I was driving, I swear I heard the tires grazing the body most of the time. My heart almost died out whenever we pass through a pothole – the rebound action of the spring and the suspension created a loud noise. Despite that we managed to go to the temple and back home in one piece. I was so relieved when everyone got out from the car.

I just hope that there are no more unplanned guests coming up to the house for a last minute ride. Don’t get me wrong – it is not that I do not want to give anyone a lift – in fact, I am more than happy to give someone a lift.

When we were small and we did not have a car at home, we always took relieve that our relatives decided to give us a lift to the whole family – my parents and my siblings. There are times they had to make couple of trips to ensure they got their own family members and ours from A to B and then from B back to A. It was no easy feat those days when no everyone had a car at home.

So, these when relatives asked us for a lift, we are so ever willing but it would be better if we know that they are coming (instead of showing up at the 11th hour). If we know that they are coming, it is easier for us to arrange the transport – perhaps we can arrange for a bigger car (or van as we did in one instance) or getting several cars to go in a convoy and not cramp all in one car. This is not quest to set new world record – the most people in one car – mind you! It is getting from A to B as comfortably and safely as possible.

Giving someone a lift is not the issue but getting to know that I am giving someone a lift at the very last minute is.

In Memoriam

Safiza Binti Rahman

She was my ex-colleague and had passed away on Sunday morning after losing battle with leukemia. She was in the early 30s – a mother to a very young child and a loving wife. She was diagnosed with cancer last July and although I could not meet her during her treatment, she did send me a message saying that she has started her chemotherapy and the treatment was progressing well. According to the doctors, her cancer was at an early stage and the chances of recovery were very high.

She was not aware that she had leukemia until (in her words) had a sudden attack sometime in May 2006. With a son less than a year old, her world was devastated but her will to fight was strong. Further with a big group of friends, she had a good moral support to beat the odds.

When I was in the bank, Safiza was transferred from Islamic Banking Division and blend in our group well. She was funny (with great sense of humor), hardworking and one of the few that stood against the boss when things was not right. She had the honors of being the first in our division to tender her resignation and went on to a more promising career. Motivated by her, a couple of us including myself took steps to resign and move on in our careers. We soon realised that the grass was indeed greener on the other side of the fence. She kept in communication after she had resigned and one of her greatest joy was her son.

She will be missed.

Al fatihah…may God bless her soul

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