OPEX SOOSOA Source: https://coachadib.com/module/6ac0baca04537d8a01d18567 Automatic full-length draft. Uncertain wording and figures require review. [00:00:00.680 – 00:00:29.760] Chapter seterusnya saya nak ajar tentang Operating Account. Okey tadi kita dah belajar yang account ni semua sekali kena ada 5. Betul tak? Kalau awak buat enterprise mungkin awak ada 3 je. Tapi kita kena ada 5. Dan saya nak share untuk account yang atas sekali ni. Yang paling atas dipanggil sebagai Opera. Operating Account. Bawah adalah Text Account. By this time patutnya awak dah hafal eh. Bila awak tengok video ni awak cuba try hafal terus. [00:00:29.760 – 00:00:31.740] Emergency Account, FIA [00:00:31.740 – 00:00:33.840] Future Investment Account [00:00:33.840 – 00:00:35.820] dan juga Dividend [00:00:35.820 – 00:00:37.280] Dividend Account [00:00:37.280 – 00:00:39.920] Ok, untuk Operational Account [00:00:39.920 – 00:00:42.080] bila awak nak kira berapakah [00:00:42.080 – 00:00:43.740] overhead awak, saya nak memperkenalkan [00:00:43.740 – 00:00:45.720] satu formula dipanggil sebagai [00:00:46.980 – 00:00:47.900] SOSOA [00:00:47.900 – 00:00:49.360] S-O-O [00:00:49.360 – 00:00:51.220] S-O-A [00:00:51.220 – 00:00:53.400] Ini adalah formula OPEX [00:00:53.400 – 00:00:55.560] OPEX ni apa? Cost Overhead [00:00:55.560 – 00:00:57.200] Operational Expenses [00:00:57.200 – 00:00:59.220] Dia adalah ibarat macam kita punya [00:00:59.220 – 00:01:01.360] monthly overhead lah [00:01:01.360 – 00:01:01.820] monthly [00:01:02.440 – 00:01:02.960] monthly [00:01:02.960 – 00:01:04.060] monthly overhead lah [00:01:04.060 – 00:01:05.200] ni bahasa kampung je lah [00:01:05.200 – 00:01:06.000] monthly overhead [00:01:06.000 – 00:01:07.300] tapi lebih tepat adalah [00:01:07.300 – 00:01:08.680] operational expenses [00:01:08.680 – 00:01:10.080] dan kalau awak tengok [00:01:10.080 – 00:01:11.880] dalam formula SOSOA ni [00:01:11.880 – 00:01:13.520] saya takkan nak lukis kan [00:01:13.520 – 00:01:14.160] tapi awak tengok lah [00:01:14.160 – 00:01:14.580] tengok di situ [00:01:14.580 – 00:01:14.980] nampak [00:01:16.080 – 00:01:16.600] salary [00:01:16.600 – 00:01:17.800] salary ni untuk [00:01:17.800 – 00:01:18.680] staff-staff full time [00:01:18.680 – 00:01:20.020] so bayangkan macam salary ni [00:01:20.020 – 00:01:20.740] kita ambil [00:01:20.740 – 00:01:21.880] RM12,000 [00:01:21.880 – 00:01:22.500] nampak di situ [00:01:23.080 – 00:01:24.240] salary RM12,000 [00:01:24.240 – 00:01:25.520] untuk staff-staff full time [00:01:25.520 – 00:01:26.540] yang awak cari kena beli SP [00:01:26.540 – 00:01:27.760] itu adalah untuk [00:01:28.300 – 00:01:28.820] salary [00:01:28.820 – 00:01:31.580] Next, nombor 2 adalah untuk freelance [00:01:31.580 – 00:01:33.120] Ok, outsource [00:01:33.120 – 00:01:34.140] Oh, adalah outsource [00:01:34.140 – 00:01:37.980] Awak ada freelance, videographer ke, graphic designer ke [00:01:37.980 – 00:01:38.800] Semua dekat situ [00:01:38.800 – 00:01:41.660] Itu adalah untuk outsource [00:01:43.280 – 00:01:44.380] Freelance dan sebagainya [00:01:44.380 – 00:01:46.440] Yang ni, salary ni adalah untuk staff full time [00:01:46.440 – 00:01:51.480] Yang awak ada carom KWSP, SOPSO, IES [00:01:52.540 – 00:01:53.340] Ni semua [00:01:53.340 – 00:01:54.660] Kat sini lah [00:01:54.660 – 00:01:57.420] Sebab ni staff yang full time eh, wajib masuk awak sendiri [00:01:57.420 – 00:01:59.600] Outsource ni adalah macam kontrak [00:01:59.600 – 00:02:01.580] Yang awak invoiskan sahaja [00:02:01.580 – 00:02:03.820] Awak tak adalah bayar gaji [00:02:03.820 – 00:02:04.780] Awak invoiskan dia [00:02:05.680 – 00:02:07.980] Grafik designer outsource [00:02:07.980 – 00:02:10.040] HR outsource [00:02:10.040 – 00:02:12.320] Talent lifehose outsource [00:02:12.320 – 00:02:14.440] Next pula adalah office [00:02:14.440 – 00:02:16.640] Office ni awak punya cost office lah [00:02:16.640 – 00:02:18.700] Bill, utility, rental [00:02:20.200 – 00:02:22.380] Bill ke apa-apa benda lah [00:02:22.380 – 00:02:23.420] Internet bagai [00:02:23.420 – 00:02:24.840] Next adalah software [00:02:24.840 – 00:02:26.140] Software [00:02:27.860 – 00:02:28.340] Adalah [00:02:28.340 – 00:02:30.220] Apa-apa sahaja software yang awak pakai [00:02:30.220 – 00:02:31.940] Adestine company memang mahal lah software dia [00:02:31.940 – 00:02:33.460] Mungkin awak pakai onpay [00:02:34.060 – 00:02:35.420] Mungkin awak ada pakai [00:02:36.340 – 00:02:37.800] Drive, google drive [00:02:38.440 – 00:02:39.740] Awak ada pakai [00:02:40.600 – 00:02:41.540] Accounting software [00:02:41.540 – 00:02:42.720] Apa-apa [00:02:42.720 – 00:02:44.360] Oh adalah ades [00:02:44.360 – 00:02:45.280] Apa-apa sahaja [00:02:45.280 – 00:02:47.080] Mungkin awak ada loan ke apa-apa [00:02:47.080 – 00:02:49.140] Apa-apa benda-benda kecil-kecil semua letak kat sini [00:02:49.140 – 00:02:49.760] Saya tak tahu [00:02:49.760 – 00:02:51.060] Awak belum letak lah apa-apa kat sini [00:02:51.060 – 00:02:52.680] Dan kita ada satu lagi ads [00:02:52.680 – 00:02:54.620] Mungkin ads awak ada run kat meta [00:02:54.620 – 00:02:56.860] awak ada run dekat [00:02:56.860 – 00:02:58.660] tiktok dan sebagainya [00:02:58.660 – 00:02:59.880] ok, so [00:02:59.880 – 00:03:02.260] dengan formula sosowa ni kalau awak tengok [00:03:02.260 – 00:03:04.280] simple formula untuk awak kira [00:03:04.280 – 00:03:06.880] nampak macam tu, sebab tu topik ni senang je [00:03:06.880 – 00:03:08.740] dah, sosowa [00:03:08.740 – 00:03:10.820] ni pukau cowok, woai ni [00:03:11.760 – 00:03:12.480] so [00:03:12.480 – 00:03:14.520] 12 ribu, campur 5 ribu [00:03:14.520 – 00:03:17.000] campur 3 ribu, campur 1 ribu [00:03:17.000 – 00:03:19.220] campur 1 ribu, campur 3 ribu [00:03:19.220 – 00:03:20.440] grand total [00:03:20.440 – 00:03:22.360] 25 ribu, maksudnya [00:03:22.360 – 00:03:24.560] itu adalah cost overhead [00:03:24.560 – 00:03:26.500] awak setiap bulan. Akan [00:03:26.500 – 00:03:28.680] tetapi, ada satu benda [00:03:28.680 – 00:03:30.340] yang awak kena faham. Tengok bawah tu pula. [00:03:30.760 – 00:03:32.380] Dia panggil apa? Fixed Cost. [00:03:34.180 – 00:03:35.000] Fixed Cost [00:03:35.000 – 00:03:36.600] dengan Variable Cost. [00:03:36.740 – 00:03:37.840] Part ni yang saya nak ajar awak. [00:03:38.240 – 00:03:39.980] Saya mana nak tulis dah. Awak tengok je lah kat sini. [00:03:41.300 – 00:03:42.600] Salary, dia adalah [00:03:42.600 – 00:03:44.800] Fixed Cost. Tiap-tiap bulan kena bayar gaji. [00:03:45.080 – 00:03:46.400] Mana boleh merizinkan staff [00:03:46.400 – 00:03:47.640] walaupun still drop sekejap. [00:03:48.180 – 00:03:50.360] Yang tu kena bayar. Sebab tu dia panggil sebagai [00:03:50.360 – 00:03:52.600] Fixed Cost. Outsource ni adalah [00:03:52.600 – 00:03:54.440] Variable Cost. Katalah awak nak [00:03:54.440 – 00:03:56.280] stop, awak punya grafik [00:03:56.280 – 00:03:58.080] designer part-time ke, awak boleh je [00:03:58.080 – 00:04:00.000] boleh tak kita pause 2 bulan, boleh [00:04:00.000 – 00:04:02.360] sebab dia tak fix, kadang-kadang [00:04:02.360 – 00:04:04.180] bila awak nak pakai banyak, awak kena [00:04:04.180 – 00:04:06.400] bayar banyak, sebab tu dia variable, office [00:04:07.260 – 00:04:07.740] fix [00:04:08.360 – 00:04:10.120] takkanlah nak pindah office bila saya drop [00:04:10.120 – 00:04:12.340] macam tu lah, software fix, takkanlah [00:04:12.340 – 00:04:14.440] awak nak unsubscribe, google drive [00:04:14.440 – 00:04:16.100] yang ada semua account, accounting [00:04:16.100 – 00:04:18.220] software tu awak nak unsubscribe, lepas tu pakai balik [00:04:18.220 – 00:04:20.260] lepas 3 bulan, tak boleh, kalau [00:04:20.260 – 00:04:22.060] bisnes awak dah tutup, baru awak stop [00:04:22.060 – 00:04:23.640] accounting software tu, dan [00:04:23.640 – 00:04:25.180] yang lain ada [00:04:25.180 – 00:04:27.060] itu biasanya variable cost [00:04:27.060 – 00:04:28.220] dan ads pun variable cost [00:04:28.220 – 00:04:29.580] awak boleh stop iklan [00:04:29.580 – 00:04:31.180] kalau awak nak maintain [00:04:31.180 – 00:04:32.720] so fixed cost kat sini [00:04:32.720 – 00:04:33.300] sebenarnya tak banyak [00:04:33.300 – 00:04:34.320] fixed cost kat sini [00:04:34.320 – 00:04:35.140] hanyalah RM [00:04:35.140 – 00:04:36.700] oi salah pula [00:04:38.500 – 00:04:40.940] RM16,000 sahaja [00:04:40.940 – 00:04:41.580] nampak so [00:04:41.580 – 00:04:43.020] bila mesti kemarau [00:04:43.020 – 00:04:44.080] awak hanya kena standby [00:04:44.080 – 00:04:45.000] RM16,000 je [00:04:45.000 – 00:04:47.140] variable cost awak yang RM9,000 [00:04:47.140 – 00:04:47.960] so at least [00:04:47.960 – 00:04:49.000] bila awak tahu benda ni [00:04:49.000 – 00:04:50.100] tak adalah awak takut sangat [00:04:50.960 – 00:04:53.880] Oh, aku punya fixed cost aku [00:04:55.400 – 00:04:56.860] Hanyalah RM16,000 [00:04:57.760 – 00:04:59.660] Yang aku punya variable ni yang [00:05:01.140 – 00:05:02.520] Contribute sampai 9K [00:05:02.520 – 00:05:05.100] So, berapa awak punya monthly total? [00:05:05.400 – 00:05:06.500] Tu yang jadi 25 [00:05:07.780 – 00:05:09.600] So, kalau musim kemarau [00:05:09.600 – 00:05:10.500] Ni tak payahlah bayar [00:05:10.500 – 00:05:12.960] So, awak dah stand by kat sini [00:05:12.960 – 00:05:14.520] That's why OPEX paling minimum [00:05:14.520 – 00:05:16.400] Awak boleh ambil adalah [00:05:16.400 – 00:05:17.520] Satu bulan [00:05:18.320 – 00:05:19.180] One month [00:05:20.560 – 00:05:21.320] RM16,000 [00:05:21.320 – 00:05:22.860] Ini paling-paling minimum lah [00:05:22.860 – 00:05:23.540] Kalau nak letak [00:05:24.120 – 00:05:25.620] Tapi tak bagus lah kan [00:05:25.620 – 00:05:26.460] Kalau boleh letak lah [00:05:26.460 – 00:05:27.620] Variable sekali dekat situ [00:05:27.620 – 00:05:28.100] So [00:05:28.100 – 00:05:29.560] Mungkin bukan RM16,000 [00:05:29.560 – 00:05:31.560] Saya nak kena ada RM25,000 [00:05:34.020 – 00:05:34.740] Macam tu [00:05:34.740 – 00:05:36.340] Dan awak kena faham eh [00:05:36.980 – 00:05:37.500] Untuk [00:05:37.500 – 00:05:38.940] Account operating ni [00:05:38.940 – 00:05:39.720] Bila orang tanya saya [00:05:39.720 – 00:05:40.960] Operating ni dia buat apa tuan [00:05:40.960 – 00:05:42.460] Habis tu pening lah saya [00:05:42.460 – 00:05:43.760] Nak uruskan semua account ni [00:05:43.760 – 00:05:44.760] Duit masuk sini [00:05:44.760 – 00:05:45.420] Duit masuk sini [00:05:45.420 – 00:05:46.020] Duit masuk sini [00:05:46.020 – 00:05:46.580] Duit masuk sini [00:05:46.580 – 00:05:47.260] Peningnya accountant [00:05:47.260 – 00:05:47.660] Tak [00:05:47.660 – 00:05:48.900] Macam ni [00:05:48.900 – 00:05:50.000] Sebenarnya tak adalah pening sangat [00:05:50.000 – 00:05:55.700] Sebab duit yang keluar masuk hanya di operating account sahaja [00:05:55.700 – 00:05:58.440] Operating account ni adalah awak punya [00:05:58.440 – 00:06:00.640] Ibaratnya kalau saya letak satu ayat [00:06:00.640 – 00:06:07.390] Dia adalah centralised account [00:06:08.270 – 00:06:10.950] Semua duit in masuk sini [00:06:10.950 – 00:06:12.730] Out pun keluar dari sini [00:06:12.730 – 00:06:15.970] Bayar gaji, bayar salary, bayar vendor, bayar semua [00:06:15.970 – 00:06:18.730] Terima duit customer, terima duit dividend [00:06:18.730 – 00:06:20.730] Terima duit apa, apa semualah [00:06:20.730 – 00:06:22.250] Semua sini, keluar duit sini. [00:06:22.470 – 00:06:27.530] So, lepas dah settle, duit pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing-pusing. [00:06:27.970 – 00:06:34.730] Ada untunglah, ada extra RM30k. [00:06:35.870 – 00:06:39.330] So, extra RM30k ni lah, kita anggap dia sebagai profit. [00:06:40.470 – 00:06:44.350] Maksudnya, duit yang ada dalam tu adalah RM80k. [00:06:45.050 – 00:06:46.290] Cakap lah, saya ambil RM25k kan. [00:06:46.410 – 00:06:50.630] Saya ada RM50k kat sini. [00:06:50.730 – 00:06:55.470] So bila kita pecahkan eh macam mana lebih terlebih kan lepas dah terima duit daripada customer pun semua [00:06:55.470 – 00:07:02.290] Oh rupa-rupanya 50k ni 25k adalah OPEX nak bayar gaji bulan tu pula [00:07:03.410 – 00:07:06.550] Lagi 35k adalah profit [00:07:07.330 – 00:07:09.210] Ini selepas awak dah bayar [00:07:09.730 – 00:07:11.950] Sebab tu kebiasaannya nak tahu profit atau tak [00:07:11.950 – 00:07:15.590] Ni saya akan share dalam chapter yang seterusnya [00:07:16.750 – 00:07:19.130] Cuma bila kita nak tahu profit atau tak [00:07:19.130 – 00:07:20.730] Kita kena tengok [00:07:20.730 – 00:07:22.530] Selepas dah habis bayar semua [00:07:22.530 – 00:07:24.310] That's why katalah ni sebulan [00:07:24.310 – 00:07:25.290] Okay ni contoh [00:07:25.890 – 00:07:27.630] Ini bulan Januari [00:07:27.630 – 00:07:29.810] Yang ni bulan Februari [00:07:31.010 – 00:07:31.530] Duit [00:07:31.530 – 00:07:32.630] Ni duit lah eh [00:07:32.630 – 00:07:33.510] Warna merah ni duit [00:07:33.510 – 00:07:34.750] Duit masuk keluar [00:07:34.750 – 00:07:35.270] Masuk keluar [00:07:35.270 – 00:07:35.730] Masuk keluar [00:07:35.730 – 00:07:36.170] Masuk keluar [00:07:36.170 – 00:07:36.610] Masuk keluar [00:07:36.610 – 00:07:37.030] Masuk keluar [00:07:37.030 – 00:07:37.490] Masuk keluar [00:07:37.490 – 00:07:38.330] Bayar gaji [00:07:38.330 – 00:07:39.090] Apa-apa semua [00:07:39.090 – 00:07:40.290] Tiba-tiba kat sini [00:07:40.290 – 00:07:40.670] Awak tengok [00:07:40.670 – 00:07:41.870] Kat sini katalah ni [00:07:41.870 – 00:07:42.910] Ambil lah lima akhir bulan [00:07:43.690 – 00:07:44.590] Lepas dah settle [00:07:44.590 – 00:07:45.230] Bayar semua eh [00:07:45.970 – 00:07:46.910] Lima akhir bulan [00:07:46.910 – 00:07:47.610] Eh [00:07:47.610 – 00:07:49.890] ada 55k lah [00:07:51.270 – 00:07:52.770] maksudnya lepas dah bayar gaji [00:07:52.770 – 00:07:53.670] bayar vendor apa semua [00:07:53.670 – 00:07:56.750] bolehlah kata 35k [00:07:56.750 – 00:07:57.450] tu adalah [00:07:57.450 – 00:07:59.150] sorry 30k [00:08:00.250 – 00:08:01.570] 30k ni adalah profit [00:08:01.570 – 00:08:04.460] macam tu [00:08:05.780 – 00:08:07.380] 25k sama 35k, 55k [00:08:07.380 – 00:08:08.960] bolehlah kata 30k ni adalah profit [00:08:08.960 – 00:08:12.100] sebab lagi 25 tu, memang awak nak stand by [00:08:12.100 – 00:08:13.560] sentiasa ada [00:08:13.560 – 00:08:16.100] 1 bulan cost overhead [00:08:16.100 – 00:08:16.720] stand by [00:08:16.720 – 00:08:19.300] So that's why kita nak tahu untung ke tak [00:08:19.300 – 00:08:21.500] Biasa kena tunggu bulan yang seterusnya dekat sini [00:08:21.500 – 00:08:22.700] Baru tahu untung ke tak [00:08:22.700 – 00:08:24.420] Mungkin awak check 5 hari bulan [00:08:24.420 – 00:08:26.160] Mungkin awak nak check ujung-ujung sikit [00:08:26.160 – 00:08:28.380] Lepas dah bayar vendor, bayar contractor semua [00:08:28.380 – 00:08:30.300] Mungkin dekat 20 hari bulan [00:08:30.300 – 00:08:31.700] Ni terpulang pada awak [00:08:31.700 – 00:08:33.080] So that's why [00:08:33.080 – 00:08:35.180] Lepas dah settle, tahu untung [00:08:35.840 – 00:08:37.000] Barulah duit tu pergi [00:08:37.780 – 00:08:38.800] Barulah duit tu pergi [00:08:38.800 – 00:08:40.240] Ditransfer kepada tax account [00:08:40.240 – 00:08:41.480] Contoh tadi kita dah belajar [00:08:41.480 – 00:08:43.580] Tax account biasa kita ambil 10% [00:08:44.220 – 00:08:46.300] Emergency account biasanya dalam sekitar [00:08:46.300 – 00:08:48.480] 30%. Sini 10%. [00:08:48.480 – 00:08:50.020] Sini 50%. [00:08:50.020 – 00:08:52.420] Barulah 30k extra [00:08:52.420 – 00:08:53.900] tadi tu. Maksud tak? [00:08:58.300 – 00:09:00.040] Barulah 30k extra tadi tu. [00:09:00.660 – 00:09:02.320] Dia pergi sini sikit-sikit. [00:09:02.600 – 00:09:03.500] Dia pergi sini sikit. [00:09:03.840 – 00:09:05.960] Dia pergi sini sikit. Dia pergi sini sikit. [00:09:06.380 – 00:09:07.680] Dia pergi bawah ni sikit. [00:09:08.000 – 00:09:09.340] Nampak? Sini pergi 15k. [00:09:10.440 – 00:09:11.940] Sini pergi berapa? 3k. [00:09:12.660 – 00:09:14.080] Sini pergi berapa? 9k. [00:09:14.720 – 00:09:16.080] Sini pergi berapa? 3k. [00:09:16.640 – 00:09:17.700] Dah. Itu je. [00:09:17.700 – 00:09:19.140] Sebulan sekali je [00:09:19.140 – 00:09:20.240] Duit bergerak masuk [00:09:20.240 – 00:09:21.940] Jarang duit bergerak [00:09:21.940 – 00:09:23.200] Dekat dividend account [00:09:23.200 – 00:09:25.060] Dia masuk banyak kali [00:09:25.060 – 00:09:25.920] Tapi setiap bulan [00:09:25.920 – 00:09:26.760] Setiap bulan sekali [00:09:26.760 – 00:09:27.420] Sekali-sekali [00:09:27.420 – 00:09:28.480] Selang tiga bulan [00:09:28.480 – 00:09:28.840] Duit keluar [00:09:28.840 – 00:09:30.340] Sebab awak bayar dividend [00:09:30.340 – 00:09:31.920] Sama macam FIA pula [00:09:31.920 – 00:09:33.040] Takkanlah awak beli laptop [00:09:33.040 – 00:09:33.540] Tiap bulan [00:09:33.540 – 00:09:34.040] Kan? [00:09:34.260 – 00:09:34.880] Sekali-sekali je [00:09:34.880 – 00:09:36.000] So duit ditabung dulu [00:09:36.000 – 00:09:37.200] Simpan kat sini [00:09:37.200 – 00:09:38.220] Sikit-sikit-sikit [00:09:38.220 – 00:09:38.860] Boah dia keluar [00:09:38.860 – 00:09:40.080] Emergency lagi lah [00:09:40.080 – 00:09:41.120] Masuk tak keluar-keluar [00:09:41.120 – 00:09:43.300] Sebab awak nak penuhkan tabung sahaja [00:09:43.300 – 00:09:44.100] Ha ni kita akan belajar [00:09:44.100 – 00:09:45.220] Dalam chapter selanjutnya [00:09:45.220 – 00:09:46.360] Tax lagi lah [00:09:46.360 – 00:09:47.340] Hujung tahun baru keluar [00:09:47.340 – 00:09:48.160] So sebenarnya [00:09:48.160 – 00:09:49.120] Duit [00:09:49.120 – 00:09:50.560] Semua bergerak [00:09:50.560 – 00:09:51.580] Dalam satu account [00:09:51.580 – 00:09:52.540] Sini yang heavy [00:09:52.540 – 00:09:53.360] Sebab itulah [00:09:53.360 – 00:09:53.880] Bank ni [00:09:53.880 – 00:09:54.780] Biasanya kita pakai [00:09:55.500 – 00:09:56.080] MyBank [00:09:57.380 – 00:09:58.520] Sebab MyBank lah [00:09:58.520 – 00:09:58.900] Paling [00:09:58.900 – 00:10:00.060] Bank awam [00:10:00.060 – 00:10:01.420] QR senang [00:10:01.420 – 00:10:02.240] Ni senang [00:10:02.240 – 00:10:03.780] Senang nak transfer [00:10:03.780 – 00:10:04.660] Senang nak approve [00:10:04.660 – 00:10:05.880] Dia wajib lah [00:10:05.880 – 00:10:06.740] MyBank ni [00:10:06.740 – 00:10:07.640] Kalau awak tak apply ni [00:10:07.640 – 00:10:08.660] Macam pelik lah pula kan [00:10:08.660 – 00:10:09.600] Tapi ada stand company [00:10:09.600 – 00:10:10.580] Dia suka public bank [00:10:10.580 – 00:10:11.940] Dia terpulang pada company [00:10:11.940 – 00:10:12.360] Masing-masing [00:10:12.360 – 00:10:14.120] So itu sahaja guys [00:10:14.120 – 00:10:14.980] Untuk video kali ni [00:10:14.980 – 00:10:15.980] So awak dah faham [00:10:15.980 – 00:10:16.340] Sekarang ni [00:10:16.340 – 00:10:17.000] Operating account [00:10:17.000 – 00:10:18.760] so soa, boleh try, kira [00:10:18.760 – 00:10:20.980] dan juga ada satu formula [00:10:20.980 – 00:10:22.580] fix dengan variable, at least [00:10:22.580 – 00:10:24.860] pada waktu kemarau, awak standby yang fix [00:10:24.860 – 00:10:26.880] tapi kalau awak nak cantik, ambil dua-dua sekali [00:10:26.880 – 00:10:28.620] ok, jumpa dalam video seterusnya [00:10:28.620 – 00:10:29.260] Zaz