knn....i taking out my money out...

I don't think so lah... maybe the branch manager woman like "leng chai" matured old man leh....? 

You also got hamper from BR ma.. 
Also includes Top Goat.. but not me lah... 

------------------------------------------------------------------------------

Hamper from BR  ---->  [attachmentid=3831357]

What inside the BR hamper  ---->  [attachmentid=3831362]
(1) One box of Marsh Mallow Candy (soft cotton type)
(2) One box of Wafer Rolls biscuit
(3) One box of Gustoso Hyperball snack
(4) 3 bottles of Fish Essence drink
(5) One bottle of Valentino Sparking Red Grape drink (product of Belgium)

I noticed this BR hamper was packed in late September 2013, because they put
Sing Chew Jit Poh newspaper which dated 21 Sept 2013 as cushion on the bottom
of the orange color hamper basket.

------------------------------------------------------------------------------

Hamper form RHB Bank ---> [attachmentid=3831377]

What inside the RHB hamper ---> [attachmentid=3831378]
(1) One box of Lychee black tea leaf
(2) One set of chopstick
(3) 2 bottles of Bird's Nest drink
(4) Some small pieces of chocolate with gold color wrapping

                ---------- end of hampers report ------------

young man .. ??  I wish I was... 

Yes, don't expect too high from BR hamper.  Most foods contain high glucose and sodium.

If compared to last year, last year hamper was bigger and contained more foods like Beryl chocolate.
But this year no chocolate.... 
I think BR gives away hampers every year...

You can check out BR 5 years FD rate here:
http://www.bankrakyat.com.my/web/guest/deposits-account-i-

Versus MBSB 5 years FD:
http://www.mbsb.com.my/deposits_fixed_mudharabah.html

BR pays interest monthly (RM 20K minimum): 4.55% rate -- negotiable, depending on deposit amount, but minimum RM 100K only can negotiate.

MBSB pays interest every 6 months (total 12 interest payments): 4.7% -- no negotiable regardless of the amount.

Both BR and MBSB do not have PIDM protection.

BR has more branches than MBSB nationwide.

Aiyo... you also twisted her lxgs la.. 
For sure it is one time off event loh... since you already KO her and put her on a stretcher... 

Wah.. you are a "leng chai" and good negotiator wor.. 
Thanks for the info.

About one member here just mentioned BR is no longer issuing banker's check, but when I picked-up
my hamper 2 days ago, BR confirmed that they can issue BR banker's check for uplifting matured FD;
or either wire transfer.
I withdrew all my OCBC matured FDs since last year December and moved to BR.
Now left some Smart Savers accounts, maybe will close all of  them after Chinese New Year.
I guess my existing funds did not help much for my latest 1 year FD rate; I was supposed to negotiate first
before I put there..my mistake.. 
You got 4.75% rate during their promotion in late 2012..??
MBSB pays interest to you once per year..? I think you can request MBSB to pay you interest every 6 months..?
Or maybe your 4.75% package only pays you interest once per year..? 
As far as I know, 4.7% (pay interest every 6 months) is straightly not negotiable, regardless of the big amount.
You are so lucky... 

It is still a good deal lah....
Do you receive any hamper from MBSB so far..?

Is MBSB protected by PIDM?

Hi what do you guys think of Fixed Deposit? Yes the returns might be low but it is a guaranteed investment. Or should I go for other means of investment ?

Shareholders in a sdn bhd, or bhd company are not liable to the liabilities of their company.

So we cannot say it is "protected" by EPF, even although EPF is the largest shareholders of the company.

Doing some checking this weekend and noted that some of my FDs are missing. How do I know? I have a spreadsheet with the amount and due date. Cannot find the paper copies of the FD.

From your experience, what can I do with the missing FDs? Police report and then the bank?

Thanks.