Ok..I will check with Affin later, but not tomorrow.
I will not mention your name la when I go to check with Affin..
Thanks

You are very welcome.. cybpsych

Let's say if your FD will mature in April, then when almost approaching April, you have to
start look for other new FD promo to continue taking advantage of the better interest rate.

This is how our seniors here call it: Chasing Mucical Chair

If you renew, you will get board rate.

So when your FD matures, you withdraw it and place it in another bank's FD promo.

I have sense April will have better rate...will hold on.
If april non attractive, die die back to what's best...

RHb islamic rate not bad, not remember correctly is abt 3.7% but not straight forward FD. As I'm not interested, hence not pay much attention when the officer explain to me....

I also didn't know about it until I went there and the girl told me.
I was given a choice to auto-renew at board rate or credit to account upon maturity, so as usual I'll credit to account and withdraw out on maturity day.

Ah, forgot to ask when this promo will end. I'm going over again Monday, will help you ask then if no one else here asked already.

Good morning Top Cat.

Haha, too top secret mission, will need to stand down then


O Wise Top Goat, could you kindly asist with your wisdom on getting better rates for <100k but >50k

Digging infos from LYN forum is quite easy. Just don't request to dig for T-Rex fossil...that task really jialat lo

Since you're the mastermind, I think it's best for you to be the representative & make a package deal with bank. My personal POV is that big branded bank won't give a hoot about a group of depositors with XX amount of money asking for an extra % rate. Futhermore, their FD rate are not competitive enough to justify the risk & effort (this statement is null if there's a finger-licking-good FD promo available).

Institution without PIDM protection will offer a higher chance of success. It has been proven that they are willing to entertain certain request with the right amount of money & tenure. PIDM or non-PIDM won't be a major issue if the tenure is short to medium term. The major issue would be their willingness to offer higher % rate for multiple depositors from various branches. BCC a.k.a. The Mastermind, it seems like you need to bring your highest grade nego skill when you confront the HQ staff

This whole idea may seem whimsy but it adds a certain zest to the affair. Hopefully all the selected members will give full support & cooperation; or else it'll suffer ignominious failure.

Sorry, too many quotes and looks very messy. Deleted.


This post has been edited by bbgoat: Mar 7 2014, 01:39 PM

Hm hm, Bra Bra Black Sheep Restaurant owner here. Mari mari, please kao kuan & makan makan, discount of 20% available !! Quick , quick, offer ends Saturday night (in conjunction with Saturday Night Fever Boom Boom Boom) !

This post has been edited by bbgoat: Mar 7 2014, 04:00 PM

Q3 Do I have to repeat my disclaimer ?

Try send him a PM ?

You have to say :"I already have so much xxxk with BR, though this is <100k, but total will be ...."
or "I have plan to put in 7 figure sum (borrow from Boom Boom Boom), so this is the beginning, .............."

Ha ha, please read the earlier post that I reply to BCC. BR wise nothing is concrete or written in blood. They may have a set of rules but it can be broken at branch level, at least. So they may have set 100k as nego guideline, but as BM can still give 0.05% extra, you can ask for it. I did it recently and got it for way lower than 100k.

Good luck !

Oh, another person you can ask is the Special Guy, he may be reading/listening under stealth mode ....................

This post has been edited by bbgoat: Mar 7 2014, 02:05 PM

Excellent strategy, I'll keep in mind the lines to use for my next visit


Ya, that is true. Last year I was very fedup with Uptown branch, so went to another branch to open a new FD.
The teller told me by right I should continue depositing in the original Uptown branch.
I told him no, is too inconvenient, hard to find parking & I will eventually move all my funds over etc etc...
So finally he allowed me to open & with nego rate somemore.

Think I will call up all the branches around PJ to ask then

Oh, I harvested BR monthly interest this morning 7:15am...
Yeah, my ASG also up...

ASG still plenty, can get anytime. They have SC 2% promo now. Got to be quick before they suspense for dividend calculation on 23 March.

This post has been edited by tbheng: Mar 7 2014, 11:43 PM

You can get it in ASNB or their agents (e.g. MBB, CIMB, etc).
Returns from 6+% to 16+% p.a.
SOS

I got in early this year only...sorry, not sure how they count. May need to read their TnC, etc.
Buying now is to take advantage of the 2% SC promo...dividend should be prorated.
I'm in for longer term. Just like UT and others with SC, can't do short term, rugi on the SC.

This post has been edited by tbheng: Mar 8 2014, 12:22 AM

Ok. Thank You

Warrior, I am afraid I am not the right person to handle this job because I am not a good negotiator ..
Can you represent us to deal with MBSB?
I agree BR should be our first target.

If bank offers gifts for our group FD, what if our representative can "sapu" all the bank gifts as
his/her rewards? Or do you have any ideas to add more zests?

No la, I am not the mastermind, but I am good in boasting and "blow water" only..

This post has been edited by BoomChaCha: Mar 8 2014, 03:34 AM

Eh you wrong thread ah? Haha. Later out of topic

Yes Sir.
Just shot one long range torpedo (PM) to his submarine already..
But no sure can hit target or not..?




Top Goat, you have a lot of akai, and you know sweet talk (since many girls have died under
your hand.. ), and you have a good connection with BR top management, BR must give
you face ma..You are definitely the right representative la..

This post has been edited by BoomChaCha: Mar 8 2014, 02:55 AM

Members Recruitment for FD Group Deposit Campaign
Objective: To gather all members' funds to bargain for a better FD rate with the bank
Minimum FD deposit: RM 50K per member
Target total FD amount: 2.5 million or more
FD Tenure: Tentatively 1 year
Deadline: 31 May 2014
Note: No guarantee will success in this group FD plan

Participating Members

Members Ok without PIDM
bbgoat
HJebat
gchowyh
plumberly
tbheng
BoomChaCha

Members want PIDM
bearbear
munkeyflo
Nostalgia

Now we have RM 450K

This post has been edited by BoomChaCha: Mar 8 2014, 01:51 PM