At PM in the late morning, after the 1st 1K, the staff asked whether I would like some more. Ditto after my 2nd purchase. Ha.

Really wish I was better prepared!

Ha.

Saw Tear Mender (glue for cloth, fabric etc) on the web. Excellent for fixing holes, tear etc! Ha.

Wanting to buy one to repair my clothing but cannot find it in M'sia.

Cheerio,.

Interesting.

I assume UIC is the subscribed amount. Right?

Maybe the available ASW & AS1M units are for bumi only? And thus the available units?

Interesting to note the larger numbers you quoted. I got these about a year ago. The fund sizes have increased quite substantially.

AS1M = 8,017,553,964
ASM = 13,428,499,842
ASW = 14,860,193,413

Cheerio.

Hope someone can help me here.

For the past 2 visits to PM, the staff did not even enter my ASM particulars and she could tell me no free units available. For AS1M & ASW, she entered the infor to see if there were units available.

Is this something new for ASM or it has been like this since day 1?

Also, the ASX purchase forms I get from PM do not have AS 1 Malaysia option in the list to select. Why? Phasing out AS1M? Asked the staff and she said the forms are old forms! Ha.

Cheerio.

First, no sifu here.

Second, spread over ASB, ASM, AS1M, ASW etc to maximise your returns.

Third, returns at different rates .....



Cheerio.

For those who are interested in sharing their purchases infor, please read on.

I did some analysis with another forum member to see if there is any "preferred" dates in making strikes with the purchases. Which day of the week, which week of the month etc. Surprisingly, day of the week and week of the month from both my data and his are the same! Like to extend the study to morning or afternoon, place, etc.

Need data as below:

1-jul-14 13:34 RM1000 CIMB

date time amount place

preferably in Excel if the quantity is large and also to save me from retyping into my Excel. I will not mention any name or personal data in the study.

If you are interested, please PM me.

To ensure we will work with real data only, I have to set 2 conditions here:

a. for only those with more than 30 sets of purchase data
b. I will ask for a random purchase where you will have to revert with a scan copy of the purchase form (to verify that the data is real and not make-up data).

Cheerio.

This post has been edited by plumberly: Jul 6 2014, 09:48 PM

This ASX fishing can be very frustrating! Why?

I encountered 2 big fishes over the past few weeks but I did not bring my big fish hooks and thus could only get some small fishes.

Now, I am better prepared BUT there is no big fish swimming around!

Maybe I should go for a Fishing 101 lesson! Ha.

Cheerio.

Well, I think I should move to the next level.

I usually get RM100. So a big catch of RM5-10K will save me 5000/100 -10,000/100 = 50-100 trips! Assuming 1 hr per trip, that is 50-100 hrs saved! Ha. And also my petrol!

Yes, sikit sikit lama lama jadi bukit! Ha.

Cheerio.

ASNB here is close to CIMB. So if I go to the bank, can also drop in at ASNB.

Ditto for PM, post letters, get parcels etc.

Sometimes, I do go to these places just for the ASX.

Yes, doing that now. But cannot do that when at PM or ASNB.

Via a sms from a friend in this forum, managed to get RM2600 ASM + RM200 AS1M. He got more than me as he was there earlier than me.

So it works with this helping-each-other! Ha.

Cheerio.

I have asked for participants in this forum to alert friends if they come across big fish when they buy their ASX.

Instead of via Whatpps, we are doing it via sms. Not all have access to wifi (data plan), like me.

Hope to see more of these big fishes! Ha.

For ASM, it was RM1000 + RM1000 + RM600.

Many thanks to the helpful staff. She told me she was already checking for me when she saw me and her last customer was about to go, before I got to her counter!

Cheerio.

Regular customer? I go there about once per week/fortnight.

They rotate staff for different services. She has helped me about 3 times so far. So not that regular.

I think our chit chat in the 1st or 2nd dealing has helped in establishing the rapport.

Congratulations!

Kosong for me today.

Cheerio.

First, I am not a financial guy and will not take any responsibility on my feedback here! Ha.

Your calculations are close to what I got. See below.



I did mine using yearly rest. I think the bank loan will be monthly rest. Thus your actual repayment will be slightly less than my calculations. Why? Simply this, if it is yearly rest, your monthly loan payments will just be sitting in the bank and only appear in the bank account for loan deduction at the end of the year!


Which one is better (loan vs own money)?

In the ideal world, loan is better as the higher ASB return rate is more or less guaranteed, leverage, using OPM (other people money) to make more money, etc.

But in the real world, by getting the loan, that will limit the loan amount you can get later in life (for house, etc).

If all your future needs (house, car etc etc) are already taken care of (i.e., no need for future loan), then using OPM (loan) for this will add more to your wealth pot.

All the best!

This post has been edited by plumberly: Jul 13 2014, 11:15 AM

Then either I don't go to PM next week or if I go, the lady who insists no need to check as she can see if there is any ASM units available is not at the counter. Ha.

May the luck be with you.

And also some with me! Ha.

My advice is to check with a bank or someone who is knowledgeable on loan and see what are the criteria they use to gauge on one's loan eligibility. Maybe your assets, salaries etc later have a bigger say in the loan eligibility.

Cheerio.

Congratulations!

When? Today?

In 1 go?

Place?

Sorry for all these CSI questions! Ha.