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 Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2

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ikanbilis
post Mar 9 2015, 10:20 PM

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QUOTE(BoomChaCha @ Mar 9 2015, 09:40 PM)
Does anybody know the ringgit value of this 20" luggage from Ringgit Plus?

Let's say if put RM 30k in SCB and OCBC respectively:
SCB 4.5% for 15 months vs. OCBC 4.2% for 12 months:

SCB: RM 1350 interest
OCBC: RM 1260 interest

Difference: additional RM 90 for SCB, it is 15 months tenure with every 6 month interest  hmm.gif
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The value of the trolley bag should cost less than rm90. 20inch is very small trolley bag. If they give 24inch or 28inch trolley bag would be very nice...
BoomChaCha
post Mar 9 2015, 10:26 PM

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QUOTE(xiaoniu8 @ Mar 9 2015, 10:06 PM)
TTDI branch no leng lui sad.gif
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Mr. Lau, I have never seen one leng lui from Am Bank. sad.gif
If you want to see leng lui, OCBC is No. 1 thumbup.gif

QUOTE(cklimm @ Mar 9 2015, 10:11 PM)
a quick search on groupon resulted in this:luggage
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Very steady.. sweat.gif
Thanks for the link thumbup.gif

QUOTE(ikanbilis @ Mar 9 2015, 10:20 PM)
The value of the trolley bag should cost less than rm90. 20inch is very small trolley bag. If they give 24inch or 28inch trolley bag would be very nice...
*
Oh.. like that ah..?
But OCBC has RM 888 Ang Pow also.. hmm.gif

I think OCBC 12 months and SCB 15 months are the best now.
If look for short term, then can consider HSBC 5% for 3 months with free umbrella

bbgoat
post Mar 9 2015, 10:42 PM

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QUOTE(BoomChaCha @ Mar 9 2015, 10:01 PM)
Ah Goat Sir,

This Luggage Bag promo has started since 26 Feb 2015, but too bad you did not register
with Ringgit Plus before you placed your FD with OCBC...

https://media.ringgitplus.com/creatives/c68...40_campaign.pdf

Maybe you can call Ringgit Plus to see if you are eligible to get the Luggage bag or not..?
A sweet Leng Lui from Ringgit Plus will answer to your call  brows.gif
Good Luck..
Better to use bank counter to deposit to EPF self contribution account rather than
to use KWSP counter.

I deposited banker's check to KWSP counter on 24 Feb 2015, and it was only credited
to my EPF account on 5 March 2015  mad.gif
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No lah, have to forget about the luggage bag already. Have signed up to receive notification from Ringgitplus but did not receive notification in email. biggrin.gif

Going to use PBB for the EPF self contribution. rclxms.gif

QUOTE(BoomChaCha @ Mar 9 2015, 10:26 PM)
Mr. Lau, I have never seen one leng lui from Am Bank.  sad.gif
If you want to see leng lui, OCBC is No. 1   thumbup.gif

But OCBC has RM 888 Ang Pow also..  hmm.gif
*
Agreed. Saw OCBC PB centre in Pg has the most leng lui among the banks ! drool.gif I posted last week on this. brows.gif

AmBank not the place to go for leng lui.

Waiting for OCBC RM 888 Ang Pow Contest ! drool.gif

This post has been edited by bbgoat: Mar 9 2015, 10:44 PM
Chobits
post Mar 9 2015, 10:54 PM

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QUOTE(cklimm @ Mar 9 2015, 09:10 PM)
The bank will transfer your money to Bank Negara, and you will have to claim them at the Bank Negara, have fun with all the red tapes
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i see, luckily still can get back the money. red tape incoming !!
giko
post Mar 9 2015, 11:12 PM

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QUOTE(BoomChaCha @ Mar 9 2015, 10:01 PM)
I deposited banker's check to KWSP counter on 24 Feb 2015, and it was only credited
to my EPF account on 5 March 2015  mad.gif
I alerted you earlier that payment by a cheque to EPF will take 7 working days to clear, & 24/2 to 5/3 is 7 working days.

QUOTE(giko @ Feb 25 2015, 11:15 AM)
I don't think your chq will clear by 27 Feb (28 Feb being a non-banking day) as it takes, per EPF "ruling", 7 working days to credit your a/c. You'll be credited on 5 Mar, I think.
we've also established that payment by cash (but max. of RM10K, OTC @ EPF) or thru m2u only takes 1 working day to clear.

QUOTE(giko @ Feb 26 2015, 09:40 AM)
Just to clarify the EPF self contribution thingy:-

1. Maybank2u sets a RM5K limit per transaction, not daily limit as I initially thought, and as rightly pointed out by diablo2, we can transact 12 times for each RM5K, on the very same day, to achieve the RM60K limit:-
2. MBB cheques of more then RM5K can now be made to EPF - I've done this last year.
3. EPF has set a RM5K daily limit for cash deposited OTC. However the m2u RM5K x 12 times can easily override this!
4. For both cash & m2u deposits, the EPF "clearance" date is the next working/banking day. However a cheque payment to EPF will take 7 working days to "clear".
5. It has been established that the dividend for any deposit made during the month starts on the very last day of that month, provided the next/7 working days "clearance" is within that month.
So after the maximum RM60K EPF self-contribution, it's now onto SSPN (or PTPTN) max dep of RM6K, mainly for the tax relief but the 4+% interest does help too...  smile.gif
jo3456
post Mar 10 2015, 09:29 AM

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hi,

any 1 place fd for CIMB unfix before?
any hidden T&C or min fresh fund require?

thanks.
cklimm
post Mar 10 2015, 09:39 AM

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QUOTE(jo3456 @ Mar 10 2015, 09:29 AM)
hi,

any 1 place fd for CIMB unfix before?
any hidden T&C or min fresh fund require?

thanks.
*
min fresh fund 10k, thats all
SUSsylar111
post Mar 10 2015, 12:22 PM

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What is the min requirement for OCBC
familyfirst
post Mar 10 2015, 12:42 PM

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QUOTE(sylar111 @ Mar 10 2015, 12:22 PM)
What is the min requirement for OCBC
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5k
BboyDora
post Mar 10 2015, 12:54 PM

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QUOTE(BoomChaCha @ Mar 9 2015, 10:01 PM)


Better to use bank counter to deposit to EPF self contribution account rather than
to use KWSP counter.

I deposited banker's check to KWSP counter on 24 Feb 2015, and it was only credited
to my EPF account on 5 March 2015  mad.gif
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I just started to work on my own. How to do own contribution via bank counter? Do I need to deal with bank 1st or kwsp?

Sorry to post on this thread as coincidently u guys mention about kwsp thingy =)))))
kmarc
post Mar 10 2015, 02:12 PM

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Here's the umbrella from Ambank.




Attached thumbnail(s)
Attached Image
mamamia
post Mar 10 2015, 02:17 PM

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QUOTE(kmarc @ Mar 10 2015, 02:12 PM)
Here's the umbrella from Ambank.
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How u get this?
kmarc
post Mar 10 2015, 02:29 PM

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QUOTE(mamamia @ Mar 10 2015, 02:17 PM)
How u get this?
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Deposit for gold promo.

Attached Image

Head over to Ambank website. More details in terms and condition for deposit for gold promo.
dEviLs
post Mar 10 2015, 02:41 PM

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I just placed another FD with OCBC KL Main under the Ringgitplus promo, but the leng chai leng lui there seems to have no clue about this and make me kinda blur too sweat.gif

credit to them for helping me to find out details from their bosses tongue.gif
cklimm
post Mar 10 2015, 02:42 PM

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QUOTE(kmarc @ Mar 10 2015, 02:12 PM)
Here's the umbrella from Ambank.
*
wow drool.gif
kmarc
post Mar 10 2015, 02:50 PM

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QUOTE(cklimm @ Mar 10 2015, 02:42 PM)
wow  drool.gif
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Ermmmm.... quality so so only...... nothing great actually but at least better than nothing... biggrin.gif
elea88
post Mar 10 2015, 02:57 PM

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QUOTE(ikanbilis @ Mar 9 2015, 10:20 PM)
The value of the trolley bag should cost less than rm90. 20inch is very small trolley bag. If they give 24inch or 28inch trolley bag would be very nice...
*
any idea if JOINT NAME will be entitled to the luggage bag?

sms2u
post Mar 10 2015, 03:20 PM

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QUOTE(dEviLs @ Mar 10 2015, 02:41 PM)
I just placed another FD with OCBC KL Main under the Ringgitplus promo, but the leng chai leng lui there seems to have no clue about this and make me kinda blur too sweat.gif

credit to them for helping me to find out details from their bosses tongue.gif
*
Is it confirm that you will get the luggage? Do OCBC give anything or any instruction to entitle for the luggague?
bbgoat
post Mar 10 2015, 03:40 PM

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QUOTE(dEviLs @ Mar 10 2015, 02:41 PM)
I just placed another FD with OCBC KL Main under the Ringgitplus promo, but the leng chai leng lui there seems to have no clue about this and make me kinda blur too sweat.gif

credit to them for helping me to find out details from their bosses tongue.gif
*
Not surprising about this. When I was in Penang OCBC PB centre last week, they are not even aware of their own Ang Pow Contest. Have to tell the leng lui to check their website. The Ringgitplus promo is outside of OCBC some more. tongue.gif

Did you SMS register for the Ang Pow promo ? hmm.gif

This post has been edited by bbgoat: Mar 10 2015, 03:46 PM
dEviLs
post Mar 10 2015, 03:45 PM

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QUOTE(sms2u @ Mar 10 2015, 03:20 PM)
Is it confirm that you will get the luggage? Do OCBC give anything or any instruction to entitle for the luggague?
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it's on FOFS basis for 200 pieces..so I will just wait and wait for it to drop from the sky
perhaps ringgitplus can do better in terms of the transparency

QUOTE(bbgoat @ Mar 10 2015, 03:40 PM)
Not surprising about this. When I was in Penang OCBC PB centre last week, they are not even aware of their own Ang Pow Contest. Have to tell the leng lui to check their website. The Ringgitplus promo is outside of OCBC some more.  tongue.gif
*
lol does it imply higher chances for people like us tongue.gif

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