This post has been edited by BoomChaCha: Sep 11 2012, 04:37 PM

This has nothing to do with "thick face skin" or "thin face skin"..

As a successful human being, we always say that we should know "DO"...

For example, if we go out for a meal, I pay for meal, if you still expect me
to pay for drink, then you do not know "DO" lah...

For common sense, we do not need to speak it out, we should know what we are supposed to do next...

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Added on September 11, 2012, 8:51 pmBR? Is it Bank Rakyat?



This post has been edited by BoomChaCha: Sep 11 2012, 08:51 PM

No charge for checks from MBSB and Bank Rakyat:

Uplift FD to a check from MBSB, the check is free. MBSB is using May Bank check. Maximum amount per check is RM 50K. For example, if you withdrawl RM 55K, you will get 2 checks.

Uplift FD to a check from Bank Rakyat, the check is free, the check is printed with Bank Mualamat Bank logo on top and Bank Rakyat logo on bottom.

HSBC in Taman Maluri will give a diary book if sign-up for their
3 month 5% FD (not premier account) for 3 months term which
will end this month.

The problem is very hard to find parking there, but HSBC provides
3 to 4 parking lots in front of their office for their premier customers.

One of the RMs there is quite friendly, helpful and attractive...

But I did not sign-up....

I heard the free gift gold art from OCBC worth RM 250, and it comes
with a certificate.. is it true..?

The gold art worth RM 250 with a certificate...
But this is what the stingy RM told me on the phone last week.
I do not know if this is true or not..?

If you wish, you can call OCBC hotline at 1 300 800 500 to see if this
gold art worth RM 250? And does it come with a certificate?

And if you wish, you can call your OCBC RM to double verify

If this gold art is a tiny gift, then I will not bother to call her, since she
is not willing to call me back.

You are absolutely right.. ..Admiral

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Added on September 12, 2012, 10:16 pmTo change RM....
A good idea hah... Thank you

If I change RM, this will make her look bad in front of all her colleagues
and her superior, and perhaps this will jeopardize her career...?

At least she will get a bad record or poor performance record in the company..,
then she will hate me.. And I am worried she will take revenge on me since
she has my personal info...

You said you did it last time... ...since you changed to another RM, how did you know that
the RM service is improved since she/he was fired by you?.? Just curious only....

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Added on September 12, 2012, 10:23 pmThe RM who gets complaint and changed will be in real deep shit and malu...
too bad to her.. but perhaps she deserves it...

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Added on September 12, 2012, 10:27 pmI am having the same question and doubt just like yours.....

This post has been edited by BoomChaCha: Sep 12 2012, 10:38 PM

Wah.. ..really ah..? ha..ha..ha..

You are really a tough guy.....

But the relationship in between you and the RM is no good already,
and some more you still need to face her leh...

I was wondering how did you and the RM to come out with moods to talk
to each other after you complained to her manager?

Ha..ha.. Thanks for sharing.. ha ha.....

When I withdrew my FD on the exact matured day during weekday from Hong Leong Bank
few weeks ago, the teller said my FD was matured on that day.

Why not put in KWSP rather than this 15 years retirement plan?..?
And the rate from KWSP is usually more higher..

Yes, you can withdraw your full amount of money from your FD in any AM Bank branches in Malaysia.
But you need to pass the thumb print identification, and you need to present your FD cert and IC as well.

For example, last time I placed my FD in KL branch, and I withdrew my FD in Penang branch, no problem.

If you withdraw FD from the same branch where you place the FD, then the process of thumb print identification
is not required.

If your FD amount reach minimum RM 20K (if I am not mistaken of this minimum RM 20K), you can consider to
open a saving account and request your FD interest to be deposited into your saving account on monthly basis,
or every 2 months basis, or every 3 months basis and etc...

You can withdraw your money/FD interest from your saving account in all Bank Rakyat branches.

I doubt you can uplift FD in all Bank Raykat branches, except the branch where you open your FD account.

Bank Rakyat FD cert is very important for depositor, better keep it in a very safe place.

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Added on September 18, 2012, 11:46 pmIf looking at 3.75 vs. 4.01, you should go for Standard & Chartered Bank

But you need to consider your opportunity cost whether worth it or not to move your fund?
For example, an UOB check will cost you RM 2.15


The best FD rate I have ever gotten in my life was 5.5% from Citibank last year



This post has been edited by BoomChaCha: Sep 18 2012, 11:46 PM

I agree with you. Captain
FD musical chair needs a lot of cash then can see the significant return..

By the way, why call it FD musical chair? I do not understand it until now...


Oh..yeah.. I almost forgot about the 0.35% for the saving account.
I knew about this promotion from this forum... Thank you

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Added on September 19, 2012, 12:14 amI remember during the 5% FD promo for 3 months from Standard and Chartered Bank last year,
the guy who helped me to open my FD account also "help" me to open a lot of current and saving
accounts, he said he could earn more bonus on open more customers' current/saving accounts..!!
A bit pissed off and funny on this..



This post has been edited by BoomChaCha: Sep 19 2012, 12:14 AM

I heard a rumor about 2 weeks ago...

May bank and CIMB bank will increase FD rate by the end of this
year because of the election.

I do not know if it is true or not..?

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Added on September 19, 2012, 12:42 amHa..ha... This FD Musical Chair Game is very useful and important to all serious depositors.

The bank FD promo advertisements are targeted on us.
We must support and react to their FD promo mah...






This post has been edited by BoomChaCha: Sep 19 2012, 12:42 AM

I always move my matured FD to other banks with higher rate on time.
Unless if I do not have time, then I will auto renew it for 1 month first loh...
then will move my FD to higher rate as soon as possible...

But this switching FD process is very tiring lah...

Ai yah... Kiasu or Kiasi..? They do not bother me lah...
The most important thing is my wallet..

I have never used Rentas...

No need to say thanks lah..

Just a rumor only mah...

Before you sign-up for OCBC Premier account, don't forget to ask for free Gold Art
gift; I suspect one OCBC female Personal Financial Manger is stealing Gold Art from customer(s).

I heard Gold Art was sold for RM 1200.00 by a Premier customer.



This post has been edited by BoomChaCha: Sep 22 2012, 01:19 AM

This is another male RM from OCBC told me.

Does Gold Art worth RM 1200? I do not know.

But I know it contains real gold..the gold purity is 99%

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Added on September 22, 2012, 1:29 amOne thousand and two hundred Ringgit...

Or maybe the seller found a "big water fish" to buy it..?





This post has been edited by BoomChaCha: Sep 22 2012, 01:29 AM

You can try to ask for free moon cake (4 pieces in a box, from rwgenting brand) from
your RM, I think it should worth around RM 100 or more.

This moon cake is from OCBC, not from RM's own pocket money.

But maybe this offer is depending on the location of the branch..

Cash voucher is very hard to claim lah....

You still cannot find the Gold Art brown color small certificate which stated Gold Art contains real gold?





This post has been edited by BoomChaCha: Sep 22 2012, 01:43 AM

Here is the RHB FD promo for 15 months tenure.



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