wah... you also belongs to Uncle Scrooge's club...

Nowadays very headache with nonsence promotion, practically fed up. i dont even go for SCB..eventhough have a lot of FD maturing

This post has been edited by magika: May 24 2012, 04:05 PM

Every now and then FD promotion came up with lots of term and conditions, each time has to figure out how to exactly benefit from it. Sometimes depend on each RM different interpretation, sometimes when figure it out still got some possible clause which depends on banks goodwill(eg. Scb, whether bank will still give supersalary interest on top ). Frankly, eventhough I am quite free and doesnt mind travelling extra distance for a bit extra money, when still got uncertain clause, then give up. I am a person who does not like being played around, dont mind spending more expenses to right if I am slighted (I have made numerous complaints on various issues before, so far all resolved quite amicably) so since I am very sensitive chose to try not be involved in uncertain things. Exception so far on Islamic FD as quite certain dividen will be as stated(read my lips,.. Bank Rakyat). In fact , below 30k does not interest me at all, as so and so only.

However, playing Fd musical chair does teach one to value money and it build interest in increasing our net worth. So, forgive my ranting, but it is encouraging to see quite a number of people interested in this thread (wintersun keep it up, you will make it one day) .

This post has been edited by magika: May 24 2012, 09:16 PM

For 1 mth fd, nowadays I put in Maybank eFD as easy to deposit plus instant upliftment (online only). Interest doesnt really make much of a difference. In fact my savings account just enough for 1 month expenses.. he..he I am Uncle Scrooge reborn..

No charges, that I am aware of.However, i think to use it need savings account, activate online banking and good to go...

Why not post it in this thread, so all the experience forumers can tear it to bits ??..he..he...
Just a precaution, as some may have exposed their actual net worth....

People like us, are quite conservative (me of course), dont wan take unnecessary risk, pm u, I dont think so...lah
If want to do business , with nothing to hide, can post what you want to offer.. dont under estimate the power of this thread.
If done in secrecy....

Highest than FD means it is not FD...

mmm... Daniel from CIMB is it? Or is it Daniel from Volkswagon... never know..

This post has been edited by magika: May 25 2012, 09:16 AM

Cannot, cash in pocket cannot apply eFD

This post has been edited by magika: May 25 2012, 02:52 PM

Its online one, so need cash in account activate online banking, then only can eFD online..

next time pls research first then lah ask questions. Must make it a habit.

MBB
Tenure:
1 - 60 months

Minimum investment:
RM5,000 (1 month)
RM1,000 (2 months and above)

its ok, once you got into the saving habit, then...wil be a scrooge like me.. he.he

Pinky, are you sure 3.2% not bad, look around...

You are not wrong, however cannot see pretty RM somemore wearing lowcut there..

Nope not PIDM , guranteed by gomen i think so..

On the safe side go for Mubeen deposit. More than RM50k can ask for extra around 4.06% for 12 mths

Service so n so only. However has to go twice, once to deposit, secnod to collect certs...

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Added on May 29, 2012, 11:44 amDont worry about indicative, most banks will pay as indicated. So far no cases reported. If you go to Maybank website, there is info, on that, if profit more than indicated, it belongs to bank. If less bank discretion to pay hibah. So wont be less wont be more. Thats Islamic Deposit way...

Btw, for Mubeen, the interest IN RM will be printed on the cert itself , so no worries...

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Added on May 29, 2012, 11:54 amthat one for Priority / Premier customer only...he..hee

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Added on May 29, 2012, 12:11 pmMale officer ? They think you inclined that way....

This post has been edited by magika: May 29 2012, 12:11 PM

yup got terms & conditions.... must have money before depositing..he..he

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Added on May 30, 2012, 9:25 amneed at least 2 days, then still has to wait..wait for them to process..on actual day

This post has been edited by magika: May 30 2012, 09:25 AM

Deposit date is still the same day so no problem.

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Added on May 30, 2012, 12:07 pm guess my branch must be lazy or not efficient. However MGM also reported the same case, if i am not wrong..

This post has been edited by magika: May 30 2012, 12:07 PM

You put money in Bank(FD) Bank give you interest , Bank lend people money Bank get big profit.. win..win

5TH of JULY 2012 is the date to watch out for...those FD netizen..he.he

with our exports going down, world economy in trouble, elections coming in,probably rates will be down..
threfore will renewing most of my fd to 12 mths

no reason for it to go up at all

This post has been edited by magika: May 30 2012, 06:33 PM

max tenure for me is 15 mth so no worry. However, Banks will probably not be having promotion in the short term.
If otherwise, then can be sure that rates will remain..

Independence Day.. didja watch the movie...ha.hha
BNM meeting.