I think the principle + interest will deposit to JustOne saving account once the FD is matured, similar to what
RHB did.


Oh..I will double check..


A very bad service from leng chai..


Ha...?
What do you mean by "The first 6 months should go to the SA"...?? You mean the first 6 months interest..?

Auto-renewed..? What do you mean?
I notice my FD cert is printed "1" under Renewal Instruction, what do you have?

Good Luck...

This post has been edited by BoomChaCha: Sep 21 2014, 01:48 PM

The first 6 mths interest should go to the SA. My leng lui told me my FD will auto renew. So maybe the 9 other mths interest will go to the SA then the principal will auto renew to board rate. Mine is "2" under Renewal Instruction.

This post has been edited by bbgoat: Sep 21 2014, 01:53 PM

I heard somebody said in another forum that GST on petrol is confirmed few days ago..
But let's find out on 10 October

This post has been edited by BoomChaCha: Sep 21 2014, 01:58 PM

Usually I will not let my FD auto renew to board rate unless I am very busy and no time to do it..

UOB FD Promo Flyer

Normally I let it auto-renew just in case I forgot about it. I see no harm. If it goes to the SA and you forgot about it, you get low interest. So auto renew will just do it except if you pull it out, then zero interest. Pro & con.

Thanks for the UOB info. I think my backup plan if SCB promo is off next week may be AmBank 5 mths at 3.85% versus RHB 4.06% 15 mths.

AmBank promo until when ?

This post has been edited by bbgoat: Sep 21 2014, 05:18 PM

Ah Goat, I think in a different way.
If you let your FD auto renew to board rate for a year, this means that you will get zero interest if
you withdraw your FD in less than 3 months time. I do not think you want board rate?

I just withdrew my FD from RHB and put it in SCB.
What RHB did was, all my matured FD fund and interest were deposited into my RHB saving account.
So, lets say if I am busy for 2 days and no time to go to withdraw or renew my FD, at least I still have
2 days interest in my RHB saving account, and I can continue to place another FD in a sooner time.

But I am not sure if I am answering to your question or not..?


This is a hard decision to make..
If can make sure OPR will increase again before the GST, then I think it is better to take Am Bank 3.85% for 5 months..
But what if nothing will happen leh..

michaelho said: valid until 15 October

may i know that it requests a saving account or not?can just open FD acc???

-deleted-

This post has been edited by harmonics3: Sep 21 2014, 09:38 PM

Branch told me one month from 17 Sept .... so my calculation till 16 Sept la, better call branch to check just to be sure

This post has been edited by michaelho: Sep 21 2014, 11:02 PM

just Fd account will do

Can sifu please explain this promo?
effective rate is ??

I think that the price of goods & services will increase with the implementation of GST, which will be reflected through the rise of inflation rate.

However, the inflation is not caused by an increase in demand but through government's fiscal policy to collect more revenue. So, I expect it to be a one-time jack up in Consumer Price Index.

My opinion is probably the government/BNM will monitor the situation post-GST, then decide on their monetary policy especially the OPR. It was reported that in theory, the government said that there shouldn't be any price increases with the implemetation of GST, rather consumers can expect a one-time decrease in prices because of the nature of revenue collection of GST.

My POV only & I'm not an economist too

Petrol kena GST??? Under the current system, we tarak kena tax wor...

I think it's best to wait for extra infos during the Budget 2015 presentation. Need to identify which purchases are under GST & which are exempted. After those are identified, you can go on a buying spree that you have hold back since 2 decades ago

But if OPR is raised, will you hold back your spending again

I am looking at this promo if there is no other promo within this week.

However, the eAccount has a minimum initial deposit of RM 500. In this case, shouldn't the Basic Savings Account be a better choice as its minimum initial deposit is only RM20.

Anybody get an sms regarding "plastic resin" for the SCB promo? "Stanchart: We have purchased RMxxx of Plastic Resin for Term Deposit-i on your behalf...." What exactly is that?

just did a quick search in Google

https://www.sc.com/my/saadiq/deposit-rates.html

https://www.sc.com/my/_documents/islamic/pf-i/pfi_tnc.pdf

As you wish, SCB has extended the FD promo until 31 October 2014:
This time SCB want to hit RM 500 Million target..

https://www.sc.com/my/campaign/special-rate-td/

You are the champ, Ah ChaCha !

Will be going to SCB again this week after moving out from BR.

gud news! thank u uncle!

apa itu plastic resin?