Oh Warrior.. we can forget about the KFH FD deal now, it is not attractive.

Pump up to BR..?    Now I do not have money for FD..

But I quite like the BR monthly interest, I think will put some there but still need to see the whether first..

Ya loh.. I think it is better to place not more 1 year tenure now unless if the FD promotion is very fantastic..
I am still hoping there is another OPR increase soon..
Economists said next OPR hike should be in between June to December of 2015..

Warrior, you can get joint account for Coop card.
My Coop card is joint account, it cost me RM 8 for one time fee.
I think if your FD is joint account then you should be able to get your Coop card in joint account.

Warrior..it seems the FD rates are keep going-up lately...
So, I think I will put on hold not to place with MBSB 5 years..
Most likely I will go for UOB 1 year at 4.2% first..

another option ... hope not confuse you ... put into BR 1 year in how ever many certs possible. If you have emergency, and need to withdraw, they pay you the next best rate eg if withdraw after 9th month + x days, you get interest as if it was 9mth FD in the first place. That's what they explain to me last time. Pls call them to confirm

Not the way to calculate premature withdrawal, like that I will put 5 years deposit, withdraw after 12 months still no loss. 
On withdrawal after 9 months, they will refer to their own table for "pramatang" so they called it 9 months rate @ reduced rate.

Warrior, the weather condition sometimes is hard to predict.

We look at the economic condition of bolehland today, I think only few people will go for long term now.
Just take Affin 4.38% for 2 years as an example, 4.38% is quite close to 4.7%, this indirectly will give pressure to
MBSB to revise their 4.7% rate to higher rate.

Warrior, I have never used the coop card in BR ATM machine except during the first time I had to use it in BR ATM
to activate the card. Just like other ATM cards, I think everybody can use the BR card in ATM as long as knows the password.
If to use iRakyat account, when I log-in iRakyat to view, perform transactions or IBG money, I just need to use the same user ID and same password that I have registered in iRakyat.

But I had experienced twice that when I wanted to IBG money from iRakyat, I had to get the OTP from BR, in less than a minute, BR sms the OTP to my mobile phone. In this case, the secondary name in joint account will not be able to get the OTP.

Ya loh..Warrior...    I think tornado is coming...

Hello, I've received the pension scheme letter and now no longer put contribution for my EPF. My friends suggested that I take out the money from my EPF and put it into a more profitable "institution". I can withdraw about 14k from the fund.

Is it better to open a FD account or is there a better way to invest it? I'm still looking at other options such as UT or tabung haji..

Ya loh, just place short term FD to see the cuaca first...

But can consider AM Bank 4.5% for 3 years..

Warrior, I do not know the answer.
But so far I have not received any notification from BR that Coop card will be charged RM 5 annual fee..

FD market is similar to share market recently, everybody is guessing the FD rate will go up or go down..
But the big difference is that FD will not lose money, unless if Titanic (bank bankrupt) happens... 

Anyone try the AmBank 36 month 4.5% FD promo yet?
From the TnC, can't seems to find the interest frequency, e.g. monthly or half-annually.
Not sure if it is a good move to commit for 3 year straight...