I also do not know why I had this kind of fantasy imagination.?

But this is true, I really had this kind of fantasy feeling at that moment, I think this is due to the nice environment,
comfortable sofa, the approaching of 3 young sexy and friendly female staffs with short skirts...

To say the branch.. no lah, why knows maybe you are the big boss of OCBC..? Maybe you are one of the sexy female staffs le..?

No lah.. they just wanted me to buy their FRNID, in this case it does not matter old or young, handsome or ugly lo..
Another reason is I know them, because I have been chasing many times of Musical Chair there..

This post has been edited by BoomChaCha: Sep 6 2013, 11:42 PM

Placed a 3 month FD at non-negotiable rate at 3.65% in Bank Rakyat.

Was given a white small towel and small tool box that contains a small scissor,
nail cutter and other small tools as gifts.

Will need to go back one more time next week to collect the FD cert, quite troublesome..

Also saw one Chinese woman placed FD there, but she did not know what a PIDM was..

This post has been edited by BoomChaCha: Sep 7 2013, 12:14 AM

10% return is pretty good lo.. steady..

Mega Saver is 3 months FD at 4.5% bundled with Smart Savers, right?
I just placed it yesterday (Friday).

Will you place another Foreign Currency Times Deposit Deal again next week..?

I was wondering for those RMs if sold the investment products that were not profitable,
how would they face to their customers..?

Nowadays RMs does not make much different from car salesmen..

No, not necessary to open a saving account.
Unless if you want the monthly earned interest to be paid into your saving account,
then you will need to open a saving account. But this requires a minimum of RM 20K FD deposit.

Yes, those small tools are made from stainless steel material with black color box

Since I have some long term FD, I need some short term FD as well..
Maybe need money to buy expensive and good quality stretcher le..

No, I could not get a better rate.
I tried to ask for a better rate than 3.65% (board rate), but BR said cannot,
because due to only 3 months terms..

This post has been edited by BoomChaCha: Sep 7 2013, 12:49 AM

Ha.. ha.. Captain...

The trainee was a man. He had a tendency to convert my check to Builder saving plan which I was not interested.
I did not have the time to listen to his lecture as I needed to rush to BR.

When with the 3 young girls, I could enjoy my good time there while my new FD was in the middle of processing,
so my time was not wasted.

Sorry I do not have the girls names... during that moment how to remember their names..?

The massage palace was only my fantasy la...

How long did it take for them to process my FD..?
I left the premier room as soon as my FD was done..

You can see how does a massage place look like on the movies la..

Option 1
Listen to the trainee's lecture first = 20 minutes
Then only processing FD after reject him = 20 minutes
Total time = 40 minutes

Option 2
Go to premier room to process FD immediately = 20 minutes while having a good time at the same time
Total time = 20 minutes

This post has been edited by BoomChaCha: Sep 7 2013, 01:45 AM

As our Captain has been mentioned and reminded, you can take the advantage of 5.5% rate for 3 months
FD promo by joining OCBC's new premier account(s).
Each premier account requires a minimum of fresh fund RM 300K to open and maintain.

You can sign-up extra joint name premier accounts if you have some people that you can trust.

But you can use only one person name as primary name to sign-up one premier account
For example:

First Premier Account
Primary name: You
Secondary name: Your wife

Second Premier Account
Primary name: Your wife
Secondary name: You

Third Premier Account
Primary name: Your 1st Junior
Secondary name: You

Fouth Premier Account
Primary name: Your 2nd Junior
Second name: You

So now, each of your four RM 300K FD can generate 5.5% p.a. interest for 3 months.

But if you open the OCBC premier account (5.5% promo will end on next Tuesday) on next Monday, you have to
sign-up at least one Wealth Management Product which I am afraid probably you do not like this clause.

Check out OCBC Premier Bank Deal here:
http://www.ocbc.com.my/personal-banking/Ac...moreinfo_button

The good news is, you can wait until next Wednesday (11 September) for the new premier account promo. Good Luck..

Note: Don't forget to ask for welcome gift(s) before you sign-up. Last time the RM tried to con me the welcome gift.

This post has been edited by BoomChaCha: Sep 8 2013, 01:26 PM

3.65% is just a board rate for 3 months FD, it is nothing special:
http://www.bankrakyat.com.my/web/guest/ratemubeen

Minimum FD deposit is either RM 500 or RM 5000
http://www.bankrakyat.com.my/web/guest/mubeen

Super Rich Goat

The stretcher is for my opponents only...

Good strategy or not, it is too early to tell..

Can you ask UOB if they pay you last day of FD interest..?

Not really lah.. all small amount of money only..

Can share what philips product did you buy? LED TV..?

Say only ma.. but you never come ...
Yes, will prepare a heavy duty stretcher and high grade oxygen tank as well..

Please refer to the first page:
https://forum.lowyat.net/topic/2722457

I feel the same way.
I do not see to gain any useful benefits of being a premier customer besides can drink
more instant coffee (like what you said ), read more newspaper, and also enjoy
dedicated service.

Premier customers are targeted as their main customers to buy their investment products.
The premier room is like a sales room, it is designed for RMs to make sales approaches easily to premier customers.

I also want to know how to maximize benefits as premier..?

If no more benefits, then I guess can close the premier account after enjoyed the sign-up FD rate..

Top Cat, I do the same way..

Ok Thanks..

It is Corporate, not cooperate

This post has been edited by BoomChaCha: Sep 9 2013, 01:20 PM

I guess corporate is for company.

For example, TOTO should put their money in
corporate FD under their company/corporate name before
the winners win the prizes.

Some companies might have extra cash that they think they will
not use the money in near future, so they place under corporate FDs.

Individual is the FD placed under person name based on IC.
Corporate is the FD placed under the company name.

This post has been edited by BoomChaCha: Sep 9 2013, 01:36 PM

If use board rates, overall yes. BR FD rates are the best.
Except 5 years FD, MBSB is slightly better than BR.

But MBSB 5 years FD rate is straightly not negotiable, regardless of the FD amount.
Meanwhile for BR 5 years FD, the rate is negotiable if the FD amount is big enough.

You have to keep in mind both Bank Rakyat and MBSB have no PIDM protections.

But sometimes, banks with PIDM offer better FD promo rates than Bank Rakyat board rates,
so we have to keep an eye on recent banks' FD promos.
That's what a Musical Chair is all about..

This post has been edited by BoomChaCha: Sep 9 2013, 02:17 PM

If you can wait, or your RHB FD maturity date is after this Wednesday, then just wait
until this Wednesday to see what is OCBC new FD promo.

BR's 12 months FD rate is negotiable if the amount is fair enough for BR. So you have to try
to ask for a better rate, otherwise BR will give you 4.01%.

Usually BR will give you gift(s) even if you do not ask for it, but still it is better to ask for it.

This post has been edited by BoomChaCha: Sep 9 2013, 02:47 PM