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 pm


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 pm

magika,

Noted and thanks.

Just finished reading this V3, took me the whole morning in between things.

Very informative. Did not know that we are entitled to the extra FD interest if the mature date is on the weekend.

I have one FD with HL due on Fri and the counter lady suggested that I wait for a day later to withdraw as it takes some time for their computer system to update. Captain Gen X used Malboro cigarette as the value yardstick but I don't smoke. So I use durain as my value yardstick. Each day lost in FD interest = few good D26 durains  for me. I think I will insist that I get $ on the mature date.

Cheerio.

Sorry for not being clear here.

She told me to come back on xth, not knowing that xth is a Saturday. I did not know till I checked on my return.


Cheerio

signup an OCBC premier account and choose the gold art as welcome gift.

wanted to qoute brother Gen-X as my introducer as this will give extra 100 cash voucher to Gen-X but the RM said she can be my introducer, so nothing.

Also, go to OUB but been inform they had increase the AUM to 500k for the premier account. give up.

Happy playing musical chair game. Next is targeting the saving account.

Mean i only need to bring along the FD cert upon maturity to get the banker cheque ?

PBB also allowed to withdraw from any branch as long as under RM20k but I feel it like certain branch allowed below RM20k only (perhaps not much training)...

Sifus,

Speaking my mind on the FD rate, I am interested to know whether the rate will be higher, same or lower in the next 5-10 yrs. My lay-person view is, it will increase. Why ? As economy recovers later, OPR will increase and thus FD rate as well. OPR's increase to dampen the inflation as economy picks up pace.

I was tidying up my FDs last night (mostly in MB eFD and AmB) to sort the mature dates so that I can then switch to better FD rates. Asking myself, get 1, 3, 6 or 9 months term or year term ? Thus this thread to all the sifus.

I know different people have different needs. But appreciate your view on future FD rate and the reason behind it. Want to have different views to avoid tunnel vision in my head.

Cheerio.

P/S Thanks for opening my eyes on this PB thing and other tips. Wish I knew about these earlier.

, Cash is King and it's time for shopping spree

Clause 7. Eligible Customers must designate a current or savings account in their own name (or in at least one of their names, in the case of a joint Step Up Fixed Deposit) (“Nominated CASA”) for crediting of interest from the Step Up Fixed Deposit. In the case of Eligible Customers who do not have any existing personal current or savings account with SCBMB:

7.1 If the Eligible Customer is a member of Standard Chartered Priority Banking, he/she must open an e$aver account as the Nominated CASA.

7.2 For all other Eligible Customers, they must open a JustOne current account and JustOne savings account and nominate one of those accounts as the Nominated CASA.

In respect to the above, if you are not an existing customer, then you need to open a Just One Acct.
Bro, I think it's more appropriate that you join FRMONBWFDP club instead of FDMCGC 
Bro, go deposit another RM5K lah, then can feel good that you getting up to 6%, ahaha
There goes FREE money flying out of the window again 

only for those without existing CASA account.

Bro, if you have an existing Savings Account, in this case an e$aver account, then sub-clause 7.1 and 7.2 is not applicable.

Sad part is moved another portion of funds to UOB this morning. 

Should i go and withdraw it and move it to SCB. 
I wonder SCB last week never hit their quota for their hit and run 3.8x% promo, so this week we have 4%

May be next week monday SCB new promo 5% 

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 am

Ha..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... 

Talking about the HSBC 5% promo...
I noticed the promo is extending to 3 more new branches and to Oct/Dec 2012.
- Cyberjaya
- Kulai
- Sri Gombak

For those who are around those new branches, highly recommended as it is the best offer so far. 
Do check out the link below and read the TnC before proceeding.
promo

@Gen-X, you might want to update this on post#1. Thanks.

Anyone know OCBC Premier Banking latest FD promotion rate?
Got some FDs expiring end of this month. Don't think I can make it for promo that ending 30th September.

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.

MAYBANK FD MALAYSIA DAY CAMPAIGN

Tenure 3 month

1st n 2nd month = 3.25% p.a
3rd month        = 4.00% p.a

worth or not ? To park ur money for 3 month

Get bored with these banking step up FD interest rate. Need to shift money here and there. Just hoping come out a better rate for 12months

I have FD in another bank, if I wan to go for Step up 6% Standard Chartered, wat should I do.