Hi guys, miss my babbling here ar? I just got back 3 days ago and posted at Credit Card section but then got sick (change in weather I guess).

If you were to check out my facebook account like once a while you know where I'll be.

From what I gather, FD promos not much difference since last month, want make your life simple, just go for OCBC 13 months 3.7% but if damn freaking free and no cost to you in going to the bank at least once a month, then go for OCBC Combo 3 months.

Actually, this last few months I got no cash to go chase after FD Promos. It will be a few months before my funds reach maturity and then also wondering if I should go deposit downunder and get Online Saving Account (under my daughter's name so I don't get tax) that pays 4% or more credited monthly or maybe do go for short term FD... read below on my second option.
you guys want to deposit money up to 5 years may miss some golden opportunities...

Now now, since last two months, most SEA currencies and AUD has weaken at a rapid rate against USD and if this continue, will we see a repeat of 1997/1998?  IF history repeat itself, those with cash in hand will make lots of money. And if it does happen, I guess aeiou228 and myself are looking forward to a shopping spree season 

Those of you who have not bought a Rolex better go get one now before our RM depreciate further (applies to getting an imported car too before new stock arrives) instead of putting in FD because the interest you earn can never catch up with the periodic price increase

If like this, then property should be affected..? Most condos are selling from RM 500 to RM 600 per square feet, how to buy..?  I guess the property market should burst soon..

Bro Captain, same taste nevermind, hope dont same age as hoping still can call u uncle.
Basically, we dont really care about politics, or even cronies as that is beyond our control ( 5 years once can show our displeasure of course). At best we are trying to make whatever RM we have to generate enough passive income so at the least, there is some inhertance left to pass to our children so that they have a head start in live ( education is one of safest but not really the best form).

Concerning PPTN, my son applied for it ( and spent it fully) eventhough everything is FAMA funded. Sometimes people are too much, borrow yet do not want to return. 

Eating issue does not exist lah.. as BR is so far OK.. 
So I suggest you to go.

Please share with us after you come back from the party, like to tell us
the atmosphere, how many attendants, gifts, content of BR speech, their
future business direction...and etc..

BR invites you to eat in where? A buffet dinner in Equatorial hotel?

There are many big eating issues around, one of the big eating scandals is probably French
submarine which cannot be sunk under the water.. 

So no need to worry, your buffet dinner is just a small eating..  .. enjoy your meal..

Wat man, so sensitive one...   People comment hypocrite then all appetite gone.. sumore dont want to attend..

Which part I scared you?

If anything bad happens to BR, it will cause more fright & alarm to me than you le, since I have long term FD placement with them.

But on second thought, I know you are a BR tua ka...one bad/wrong move, sure kena wipe out kaw-kaw

 

Btw, I just won my complain against MBB credit card, and they refunded me for my replacement card. 

FD players all rich one lah, some intellectually , some monetary, some on humanity. Nowadays no more chasing after FD promotion has left me with a lot of free time, so engaging in other hobbies.

bbgoat, hows the china doll I recomend u ! 

 

Market down lock in will be less profit. Nowadays only holding bluechips, no more trading as taking up too much of free time.
China doll, have to ask bbgoat n hjebat for referral. Dont ask boomchacha, that one always shooting my business down. 

FD rates now nothing interesting lately. Last time killing our brain cells just to interpret the complicating terms n conditions. No more money to do any placement.

Heard that you flew to US just to be luggage boy ...   

oh, you got a point, but still need you to recommend as got no idea how to go about this china doll thingy. Then I shall seek and trust bbgoat visual opinion/evaluation as to go with it or not  And I may be blind but hands can feel two or more at any one time, hahaha

As for the last paragraph, compound compound never ending... set up a trust and your fifth generations would never need to work for life... but they will also never thank you nor appreciate your generosity. That's life. So yeah, we should enjoy what life has to offer while we still can 

bbgoat, lucky fella, got good friend let u test first..

Thats why I agree (previously stupid) that we should spend some of our children inheritance ON them while they are still young. As then when we are old, then the good memories are still there. Other than be strict parents, these cannot do that cannot do.

Thats why nowadays I splurge on my children also on big items. Once a year will take them overseas for holidays. All these within our means of course, so using good returns from from FD is one of the ways of achieving it. All this spending is due to captain's article, bad influence from him..

Hi, i am a new guy into FD now....I saw the advertisment there is promotion about KFH for 3.8% p.a but nobody discuss about it...is it a good go actually? thx all sifus

Eating issue does not exist lah.. as BR is so far OK.. 
So I suggest you to go.

Please share with us after you come back from the party, like to tell us
the atmosphere, how many attendants, gifts, content of BR speech, their
future business direction...and etc..

BR invites you to eat in where? A buffet dinner in Equatorial hotel?

There are many big eating issues around, one of the big eating scandals is probably French
submarine which cannot be sunk under the water.. 

So no need to worry, your buffet dinner is just a small eating..  .. enjoy your meal..

What is a PDC staff?

I am not worried about the banks merge or acquisition issues.

This happened in history, A small bank took over a bigger bank.
If I remember this correctly, last time Arab Malaysian bank took over MBF.

What is M bank?
Is it Am bank? Or May Bank?

If 10 people can fit one table, so 4 tables x 10 people = 40 people.
But not all top depositor can attend this invitation, so I guess BR has around
100 top depositors in their branch.

Not surprised for most attendees are Chinese, because around 97% population
in Penang are Chinese.

How was the food? Delicious?

Oh.. ATM card is free..this is great.

Thanks for your time and effort to write this BR meal tour for us...

Oh.. you noticed this part.? I have to say that you are right this time.
So please don't play a fool with bbgoat...

A bit surprise KFH main customers are Chinese..

M Bank..? This is related with a bank with a M right?
If not May Bank neither Am Bank?

MBSB merges with BR..? 

pinksappire did mention about this takeover matter no long ago, but I forgot to ask further..

But what if you meet your friends or your neighbors in this invitation? Then all of you know
each other are rich men?  

Oh.. boomchacha you called bro, me you called uncle n granduncle ...   He called your missus regarding the ahem...ahem...

BR ATM card fee annual fee?

But the good thing is that maybe a good opportunity to create human networks from rich and successful depositors there.