Ah Goat Sir got many young girl friends
Ah Goat Sir obviously is young, handsome, strong & steady..

But when talking about money, sometimes even brother & sister also cannot be
trusted. I guess the only persons we can trust in this world are our parents, the
next are our son & daughter.

Yes, I agree SCB 4.5% is a great deal that we should not miss.
I also placed this 4.5% FD 4 days ago..

SCB Conventional 4.5% for 15 months is available; unless it meets the quota.
I just placed it last week.

The Stan chart help line may not know the detail.

Please take note that SCB Conventional FD cannot be placed in Saadiq (Islamic) branches.
It can only be placed in SCB conventional branches.

This post has been edited by BoomChaCha: Mar 9 2015, 12:28 PM

It is Islamic FD; some more it can only be withdrawn on the next day of the maturity date.
So, if bring check, will lose at least 3 days interest.

I have the SCB debit card when I placed my 4.25% with SCB last year.
For this time 4.5% which I placed last week, SCB did not give me debit card.

No, no credit card.
No ATM card.
I just put RM 5 for each current account.
No, HSBC did not charge me fee.

HSBC gave me one small size (similar to SCB FD cert) of FD cert, and one
current account cert (similar to SCB FD cert).

But HSBC owes me 3 umbrellas. HSBC Leng Chai said will call me when
stocks come in.

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

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
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

This post has been edited by BoomChaCha: Mar 9 2015, 10:02 PM

Yes, have to open a current account for min RM 5.00
No, no need to buy check book..

According to HSBC Leng Chai, we can close current account after 3 months matured date..

Mr. Lau, I have never seen one leng lui from Am Bank.
If you want to see leng lui, OCBC is No. 1

Very steady..
Thanks for the link

Oh.. like that ah..?
But OCBC has RM 888 Ang Pow also..

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

Ya loh..Ai.. my mistake..
Thanks Bro, I owe you a favor..



(Step 1) Print out and fill up KWSP 6A (1) - Caruman Sendiri from this link:
http://www.kwsp.gov.my/portal/ms/web/kwsp/...er/all-epf-form

(Step 2) Go to one of the banks and fill up one more KWSP form provided from bank:
(1) Public Bank
(2) May Bank
(3) RHB Bank
(4) CIMB Bank

(Step 3) To maximize your profit, make sure your cash/check deposit to your EPF account
can be cleared before the month end.

Either to deal with bank or KWSP is also can.
But deal with bank is better in order to get your payment cleared faster.

Max contribution is RM 60k per year
Min is RM 50 per deposit.
Deposit must be even number, cannot deposit like RM 50.50

Can use KWSP 6A (1) to make self contribution until 75 years old.

This post has been edited by BoomChaCha: Mar 10 2015, 09:26 PM

Ah Goat Sir,

After you registered with Ringgit Plus and after placed your FD, then you'd better to
email the attachment file of your FD cert to Ringgit Plus to make sure Ringgit Plus
will not miss your participation of the gift campaign.

The HSBC Leng Chai owes me 3 umbrellas.

I called the HSBC Leng Chai's direct line and hand phone yesterday and this
morning, he did not pick-up my call. I sms him yesterday also no reply.

I do not know if he is on leave or resigned already..?
Anyway I will call him again tomorrow.

Oh.. I mean if anything to deal with Ringgit Plus about to claim a gift from placing FD,
it is better to email FD cert as proof. This is what I did last time.

Yes, I have learned a lot a lot from all the sifus here too
Thanks Bro

No doubt to see OCBC leng lui is one kind of enjoyment..

Today I notice Tesco catalog is selling 20" Trolley Bag for RM 59.90


Hopefully the 20" Trolley Bag from Ringgit Plus is better than Tesco..

This post has been edited by BoomChaCha: Mar 10 2015, 10:09 PM

I noticed a letter from Am Bank in my letter box after I came back from my hometown
2 days ago..



The Centre Manager name is Raphael Solis Chen..

This post has been edited by BoomChaCha: Mar 17 2015, 03:31 PM

Mine is Instruction 3.

We placed SCB FD on the same day, you forgot..?
Our 6 monthly interest should be credited on this Thursday -- 19 March

Ai Yo..
You forgot already meh..?
Lat year we placed SCB 4.25% for 15 month on the same day -- 19 September 2014
And I asked you to ask your RM about to change the instruction 1 to 3..
You forgot..?

This lousy Raphael promised to call me back to give me something but he did not..

But I do not want to blame Raphael lah, what type of subordinate should be the
same type of the boss lah..

Don't play play with Uncle Boom.. otherwise..

Never mind lah..this case closed already.

But just that never forget a so called Am Bank Signature Priority Banking RM asked me
to keep my money at home only..
And some more cannot put stamp/cross on photostat IC..

Next time I will never put money in Sri Petaling branch and OUG branch..

This post has been edited by BoomChaCha: Mar 17 2015, 04:30 PM

Uncle Boom did not forget lah..
But just a bit surprise why you did not change to Instruction 3?

I went to pick-up gifts from HSBC yesterday:
(1) 2 regular umbrellas
(2) 1 small foldable umbrella
(3) 2 note books




About HSBC Advance, HSBC Leng Chai said we need to maintain min RM 30K in HSBC Advance,
otherwise we will be charged RM 10 per month.

But the solution is we can just closed FD account and current account when FD is matured.

This post has been edited by BoomChaCha: Mar 17 2015, 04:56 PM