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 ASN, ASN2, ASN3, ASG, ASB, ASW2020, ASM, ASD, AS1M, AMANAH SAHAM NASIONAL BERHAD V4

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lucifah
post Jan 27 2014, 09:52 PM

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QUOTE(davinz18 @ Jan 27 2014, 09:50 PM)
Only in BolehLand cry.gif  mad.gif
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that's the speculation that i got from the bank's inner circle. maybe right, maybe wrong

but one thing is certain, OPR will increase by 0.10 - 0.15% and so will BLR

be prepared.
lucifah
post Jan 28 2014, 03:59 PM

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QUOTE(smartinvestor01 @ Jan 28 2014, 03:41 PM)
there are news projecting that the BLR will increase by 0.25% to 0.50%..
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QUOTE(davinz18 @ Jan 28 2014, 03:54 PM)
BNM policy is somehow unpredictable. when people expect OPR increase, they maintain it. when people expect it to raise 0.75%, they increase 0.25% only  shakehead.gif

that's why I said let's wait for the announcement  icon_rolleyes.gif
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OPR will increase, definitely.

it won't be as low as 0.05% as you expected wink.gif

0.5% will definitely wreck havoc in the banking industry.


QUOTE(davinz18 @ Jan 28 2014, 12:11 PM)
woh, why so high OPR increase. I expect only 0.05%  smile.gif
anyway let's wait for the news  icon_rolleyes.gif
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lucifah
post Jan 28 2014, 04:16 PM

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QUOTE(cybermaster98 @ Jan 28 2014, 04:10 PM)
The usual increase is 25 basis points which would mean an increase from 6.60% to 6.85% for the BLR (which has been long anticipated). Havent heard of 10-15 basis points increase so far. But BNM will introduce a new benchmark rate which will be standard across the banking industry.
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i am expecting max 0.25%, but lowest will be 0.1 - 0.15%

been worried in the past few days already since i'm going to make a very large commitment within a year or two and need to plan out the best way to manage all my investments
lucifah
post Jan 28 2014, 11:26 PM

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QUOTE(500Kmission @ Jan 28 2014, 10:55 PM)
link please.
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there is no link. it was an insider info from bankers (mostly managers). part of what you get from PW privilege, i guess
lucifah
post Jan 28 2014, 11:33 PM

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QUOTE(500Kmission @ Jan 28 2014, 11:28 PM)
how can it be confirm wo? that make to rumor already.
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speculations and rumours - that's another term for insider's info and analysis wink.gif

it can only be confirmed when the official announcement by BNM is out. this is bolehland smile.gif
lucifah
post Jan 29 2014, 06:53 PM

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QUOTE(shadow_calamity @ Jan 29 2014, 06:32 PM)
Monetary Policy Statement

OPR maintain.. no increase in BLR?
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woot? wow, all the hoo ha about OPR / BLR increase, and suddenly defused by BNM

i feel very relieved.
lucifah
post Jan 31 2014, 08:49 AM

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QUOTE(anz87 @ Jan 30 2014, 08:38 PM)
http://www.tabunghaji.gov.my/bonus-pendeposit-2012

Bonus Pendeposit TabungHaji 2013 is very attractive .. dividen 6 % bonus 2%... i'm plan to transfer my own money in ASB then applied straight for 200K loan.... lets my own money compounding in TH ... the dividen also zakat deducted already...
is that the best strategy??? need opinion from all
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remember theres another further 2.5% zakat dedction from your earning

but still quite ahuge dividend

and keep in mind, the additional 2% bonus is special for 2012 onlu



lucifah
post Feb 3 2014, 09:05 AM

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QUOTE(plumberly @ Feb 3 2014, 08:03 AM)
Sorry for asking this question.

Are non bumi allowed to invest in this?

I assume this is only for bumi Muslim but like to confirm this.


Cheerio.
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as long as you are bumiputra or minority status as stated in ASNB website, you're eligibile

not just limited to muslim
lucifah
post Feb 3 2014, 10:30 AM

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QUOTE(backspace66 @ Feb 3 2014, 09:45 AM)
he is asking about TH not ASB. Since when PNB have any say on TH products
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i misread his reply

yes, TH is limited to muslims only. the main aim is for muslims to save money for their haj pilgrimage. the dividends are side bonus
lucifah
post Feb 3 2014, 03:27 PM

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QUOTE(plumberly @ Feb 3 2014, 03:24 PM)
Ha ha.

Just wondering whether there are other "vehicles" I can use.
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AS1M is giving 6.6% returns
lucifah
post Feb 3 2014, 03:40 PM

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QUOTE(plumberly @ Feb 3 2014, 03:30 PM)
Yes, doing the running around topping up my ASW (wife's), ASM & AS1M.

Only 1 each for ASW and ASM after months of trials. Some success (but small) with AS1M. Lately, big fat ZERO strike rate with AS1M for the past few weeks.

Thus asking for other vehicles to make my money work harder for me. Ha.

Cheerio.
*
you can always go for properties if you know how to play hard.
lucifah
post Feb 3 2014, 03:53 PM

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QUOTE(plumberly @ Feb 3 2014, 03:48 PM)
My RE experience some 10+ years ago did not really encourage me to jump in again. Got a house and rented it out. Did a comparison with FD, this house and rental thing was only slightly better than FD. Became fearful of calls from the tenants, asking for repairs this and that. To me, not worth the hassles for the small FD delta. $ coming in via FD with me doing NOTHING, besides going to the banks.

BUT keeping my option open, may get in again after this RE bubble has burst. Ha.

Cheerio.
*
i have exactly the same thoughts on tenant issues. let me know when the bubble is going to burst so i can review my options


lucifah
post Feb 4 2014, 03:43 PM

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QUOTE(yugimudo @ Feb 4 2014, 03:30 PM)
Agreed. The only reason we are calling these as "safe" haven investment as we got gov promise that for every unit they will buyback rm1.

But the way they manipulate the dividend to suit the gov needs make me wonder that these investment is way more manipulative than other vehicle.

I also need to clarify, is there any NGO or bodies that monitor on how PNB declare dividend for ASB? Or they can call any number to suit to the local politics?

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whatever method that they used to achieve the 7% dividend payour every year, i have no complaints wink.gif

it's quite rare for any funds to give out returns as high as ASB does, year in, year out. and if they are really true, then PNB decision makers will be the best investor in the world, even beating gurus like warren buffet smile.gif
lucifah
post Feb 5 2014, 06:48 PM

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QUOTE(wil-i-am @ Feb 5 2014, 06:11 PM)
B prepare to allocate 100% (815am to 1700pm) of yo time on d 3 dates
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QUOTE(davinz18 @ Feb 5 2014, 06:30 PM)
Not forgetting petrol & parking charges  sweat.gif
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you can always leave a stack of cash to the teller and let him / her do the job and give them a cut. that'll encourage them


lucifah
post Feb 6 2014, 05:33 PM

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QUOTE(navink @ Feb 6 2014, 05:18 PM)
"suka hati bila mau bayar loan" is only apply to MARA loan.  biggrin.gif
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and PTPTN whistling.gif

btw, 2 yrs is the lock in period
lucifah
post Feb 8 2014, 01:06 PM

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QUOTE(bearbearhong @ Feb 8 2014, 12:53 PM)
Any1 know wat is the min age to open asb junior account? Tq
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6 month old smile.gif
lucifah
post Feb 16 2014, 10:30 PM

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so many predictions gone wrong.

1. BLR maintained
2. EPF actually performs better this year

but those are good news. so, it's good. wink.gif
lucifah
post Feb 20 2014, 04:43 PM

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QUOTE(JustcallmeLarry @ Feb 20 2014, 03:18 PM)
Ya i feel the person shouldn't have change the thumb print in my book since my thumb wasn't permanent injured. Now thing very confusing. So is this a problem???
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they use your MyKad as verification

MyKad stores BOTH your thumb prints. in fact, MyKad stores ALL your finger prints wink.gif

just like some forummer says, the papers mean nothing. it is only used if there is any disputes / unauthorised w/drawal cliam by passbook owner


lucifah
post Feb 24 2014, 04:07 PM

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QUOTE(plumberly @ Feb 24 2014, 04:02 PM)
I still can't get it, why another one when other similar funds have not been fully taken up?

To release steam from those who have already maximised up to their limit?

Cheerio.
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exactly. that's the main point.

that's the category of young, mid-income, modern, city-dwelling bumiputra. this is like *ehem* vote buying *cough* *cough*

ok. politics should not be discussed in this thread. i'll give a slap on my own hand for this



lucifah
post Feb 25 2014, 11:25 AM

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QUOTE(smartinvestor01 @ Feb 25 2014, 11:21 AM)
Haiz, another fund which set the non-bumi's aside again..

The hard-feelings that i have is so hard to describe.. can only try over the counter and most of the time ended up with zero, while the bumi can deposit their money into the account at any time..
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and yet many bumi prefer to spend their money on phones, cars and other tangible products wink.gif



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