Did upliftment of a few of my FDs at BR. Giro charges OTC at RM2. Ask for Banker Cheque as its free then walk 10 meter deposit in maybank cheque machine. Giro still slow at BR so no advantage over cheque .

To calculate the days you need to use spreadsheet so it will be less confusing, manually count is ancient ways during our grandfather time can consider ok...
367 days is correct calc.

BCC, please share or pm which bank that query your amount deposited. I do not like like mafan , on top of it, they do have the right which compounds matters. If dont appreciate our deposits then we can deposit at banks that dont cause us problem.

I also received hibah only and not FD interest.

Nope cant tell which FD interest has been credited. Its compounded for me by having a few certs without monthly interest and the certs all almost having identical sums in batches. Thats why I am opting next time for interest on maturity as could not keep tabs.

The only redeeming feauture is the deposit date..


This post has been edited by magika: May 2 2014, 04:47 PM

Combining all into one cert does not get better return. Separate into as many cert as possible so in case need part premature upliftment does not forfeit interest for total sum.

No PIDM = high risk , better everyone take out faster..

Sometimes I wonder how we can achieved HNWI status when every little thing also considered risk. Crossing road also risk must better buy higher personal insurance. Have a bath also risk of falling on slippery floor. In order to progress we must define what is risk and what is relatively safe decision. If we covered ourselves with the common perception then we become common low worth individuals. On a personal note, i did not buy any insurance for my family eventhough the common perception is a no..no.. Its just how are we going to achieved our financial goals when our yearly accumulation of savings has been eroded to achieved perceived safe ways. I am debt free and eat, buy, travel whenever whatever I want in my own concept. It would not have happened if I am kiasu and follows common thought . Feel free to deposit in whichever instituition you like but to put a spotlight on others preference is liken to a godly decision. Oh.. i have been through the kooperasi debacle , only my better half has been affected but no loss. My 2 cents..