Unker, your blog writings very funny lah.

UOB currently introduction FD interest rate as high as 3.7 for 12 months. ( very high compare to normal 3.3-3.5)

beside, UOB also introduce a bond that interest rate is 6.0-7.0 for 3 years ( with no risk at all). there are 3% charges for the 1st time  but when reached maturation date ( 3 years) the 3% charges will be refund. for me , is quite a good place for you guys to put your money if dont want any risk at all.

Today, one of my HLB Junior FD matured (first one) but I could not withdraw it because I did not bring the savings book 

I wanted a banker's cheque and they have to deposit the FD funds into the savings accounts first (which was done), but since I did not bring my saving book, I could not withdraw or transfer to my current account.

I was at RHB too, was informed the staff nowadays no longer enjoys 1% extra over board rates but it ranges between 0.55%-0.75%.

Anyway, it gave me an idea, those of you who opt for early retirement can join a bank and earn 1% extra from your FDs No need waste time playing FD musical chair.