QUOTE(BoomChaCha @ Mar 6 2014, 02:40 AM)
Okay, Warrior, we recruit members until 31 May 2014.
Wah, really use that date ka? I cincai give one as an example only
QUOTE(BoomChaCha @ Mar 6 2014, 02:40 AM)
We can give our Lowyat user IDs to the bank to recognize our identities.
Yes can, our minimum is RM 50K now, if you want to place 5 million also can
provided the bank says ok.
In that case, really have to do everything under the radar. Cause our LYN IDs are shown in the list. But then, the bank staff will know our real identities & LYN IDs, but we ourselves have no clue about each other

I suggest we forgo the LYN ID. Use a code name instead. Like BCC is
Saturday Night Fever. bbgoat is
Baa Baa Black Sheep etc. So we remain anonymous & protect our privacy.
QUOTE(BoomChaCha @ Mar 6 2014, 02:40 AM)
Do you have the page record from guy3328?
Here they are. Have a pleasant read
QUOTE(guy3288 @ Sep 14 2013, 04:53 PM)
I split my FDs, i heard dangerous/attracting attention if put big amount in 1 cert...That 50k refers to 1 deposit. To negotiate rate, usually they would ask total how much , then i tell them xxx and they allow me in lots of 50k. Below 50k i get board rate. I got 4.25% for 24m and 4.7% for 61m.
They dont give me gift for every deposit. i go often , if ask every time with every Fd, shy also.
But after 2 or 3 deposits if they dont automatically give me, i will ask. whenever i ask they will give.
I never get bags so far. Towels, manicure set of different types, T shirt, but i now mostly prefer pens, esp the parker pen set, i think buy outside maybe RM80 and can give to others as gift. been with BR >10 years despite my brothers discouraging me saying not safe etc.
QUOTE(guy3288 @ Sep 25 2013, 06:40 PM)
BR still giving out gift, today they gave me the maroon parker pen , i wanted the gold color type, but no stock so i chose bath towel.
To nego rate i dont think above 50k they will give special rate. What i said earlier was once they gave you that rate, you can bring in your money in lots of 50k and above., if you put less than 50k that FD will get normal rate.
I asked about the 24 months FD and requested for 4.3%, they said most likely can get, waiting for approval fr HQ.
Apparently last year they can give extra 0.2-0.3%, now no more 4.9% for 61m. Max is 0.1% extra now.
QUOTE(guy3288 @ Nov 5 2013, 08:54 PM)
If you put all in 1 cert you are stuck if u need part of that money in emergency.
i think once they allow you to place multiple separate FDs, each FD is independent, so prem WD from 1 cert should not affect your negotiated rate on your other FD certs.
Remember not to just stagger out the amount , also stagger out the date ie instead of RM300k on 4.11.2013 make it RM50k on 4.11.13, 50k on 4.12.13 etc.. BR allows me that.