Its true. So what is it that you want to know.

High risk high return.

FD is old man tools , that is for those not willing to take risk. Best property is landed one, but location also matters. I heard banks rejection of property and car loan quite high nowadays. Talking with a developer a few days ago, it seems one of his project has a rejection rate of 50%.

All leng lui you will reply immediately. Make sure you dont get suspended by moderators wannabes.

I was at HLB yesterday but only noticed placard for 15 mths / 3 mths fd. Premier Banking was empty of staff and customers. I got a feeling that this must be the most unfriendly bank with nobody minding you.

You dont happen to wear eye patch
If you placed people in front of banking hall, then must make sure they entertain customers lah.

She is the originator of the famous "musical chair" quote, you no respect like a common leng lui.
Nowadays i am very kiasi of being Priority / Premier Banking, as the RMs usually try to waste my time promoting their products.

Captain called everybody sis or bro as he is actually a very young man.

This post has been edited by magika: Oct 24 2014, 02:04 PM

Oh, its not aimed at Ah Flo, our favourite lenglui.

Pension card can get what benefit ? So you are formerly gomen servant? In the papers today, it seems customers deposit are at an alltime low. No wonder all the banks scrambling for deposit in compliance with Basel requirements. Hope the promos will continue as have FDs maturing next month until next January.

Sir Ah Goat, anything less than 4.1%, wont interest me so most probably will maintain at old place.

Must be getting old, just issued a cheque which from an old redundant cheque book last Thursday. Bank called and frankly I was like ah...ah.. Wonder whether considered as bounced cheque?

From my understanding, its 12 month up front paid interest, not monthly interest.

Thanks for the info, gonna be useful as for this few months has a number of FD maturing. 4.15% for 9 months is a very good deal provided the music does not stop early.

Gen-X Captain, not gonna comment on it after kena flame kaw kaw.

Wat happen, 2 reply in a row, must summon Gen-X to earn brownies point.

I have been on the sideline for a few months already, gathering my funds also in eFDs. Now is my mating season, oops, musical chair routine for the next few months. Nowadays, my funds is on the downtrend catering to my children wants and needs. Also setting aside fund for contribution to EPF yearly x 2 account. Setting quite high target in EPF contribution so that passive income will 2X existing income so can early retirement , fly here n there like captain.

For RHB, needs to find out whether really need CASA. Just dont like too many accounts in various banks lying around.

Correct me if i am wrong. EPF contribution for Income tax purpose is max 6k pa only.

No problem as i dont have insurance.

I know that one lah. I m talking contribution max as an employee that is tax free income.
Employee contribution is tax free upto limit 6k inclusive of insurance purchases.

guy3288 I m not sure company is allowed to pay 50% as it will be above the limit and will be considered as employee remuneration and goes into employee EA form as income.

This post has been edited by magika: Nov 8 2014, 10:48 PM

Standing my ground at RHB. Bank Manger and staff very friendly.

However being very kiamsiap, not willing to open saving account with yearly card fees. So adamant on opening BSA account and was given the excuse that cards no stock on BSA. Still laying siege at RHB.

Managed to get BSA already.

Its 6 months 4.00% 9months 4.15% with required Saving Account needed for interest crediting. Dont ask me why its needed?
BSA or Basic Saving Account is to ensure we are not saddled with any yearly fees such as debit card fees and the likes.

Thats right, its not few ringgit issues, its the matter of standing up for what is right.

Bro, for 12 months this promo is the tops even equal BR with Public n UOB following closely. However commiting to RHB 9 mths at 4.15%. Promo is heating up with a number of my FD ripening, thinhs look good.

BSA is passbookless and comes with ATM card free of charge with no yearly fees. Opening requires RM20 only. Are u sure yours is BSA ?

This post has been edited by magika: Nov 11 2014, 10:14 PM

If no debit card because you said dont wan loh...if passbookless and no atm card then how to check account ? Heh..heh.. you need to go RHB beg for Atm debit card .
Normally most banks will tend to discourage opening of BSA, but like I said, insistence and perseverance will pave the way.

Basic Sav Acct (option 1) is RHB BSA .

This post has been edited by magika: Nov 11 2014, 10:28 PM

It will credit interest on maturity to casa. Why, dont know leh?

For BSA its important that you choose Option 1 as no yearly charges for ATM card. Option 2 has yearly RM8 fees.

BSA is a mandatory saving account that Bank Negara requires all banks to offer. It has limited withdrawal per month so wont be that useful as a main savings account. Last time we applied for it due to lower Giro charges.

Up to you, why ask then ?

Dont really know.

In fact i dont see them debiting my account for ATM card, of course didnt really check.

I m in need of transferring my funds from BR to RHB as my FD mature on this Friday. Since BR dont issue Banker Cheque nowadays, my option is limited. Anyone does Rentas with BR before ? Will be loosing 3 days interest if unable to sort it out.


This post has been edited by magika: Nov 12 2014, 09:52 AM