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Ultimate Discussion of ASNB (47457-V), Wholly owned subsidary of PNB (38218-X)
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Ramjade
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 Jul 30 2015, 07:44 PM
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QUOTE(alexanderclz @ Jul 30 2015, 07:12 PM) just wanna ask how do the topping up usually works? assuming that there is 5k units available and i say i want 10k, will d bank reject you right away or can ask them to try lower till reach the units available? If new system, they will tell you, sorry only got rm5k. If old system as1m, they will tell you no units. After that, you can ask them try again. I usually ask them to try again if didn't reached my target. If still don't have, go to another place if you are rajin. |
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Ramjade
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Jul 30 2015, 08:45 PM
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QUOTE(MGM @ Jul 30 2015, 08:30 PM) Went to MBB this morning to shop for ASX. Still cannot see the available units including ASM, need to try your luck with the number of units u want to buy. Can wo. Or else how the clerk told me you are too late. There was a transaction before you who bought rm30k one shot. Also, once I asked for rm5k for ASM, told me only got rm3500. Not sure how it works |
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Ramjade
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Jul 31 2015, 03:16 PM
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QUOTE(prince_mk @ Jul 30 2015, 10:02 PM) me also same like u struggling getting cash. Remove Astro, remove going to cinema. You save about RM100 there already. If you are taking car, when you go to work (early monring before the sun is up) and when you come back to your housing estate, off aircon. Guaranteed can save about RM50. If you taking LRT, take the monthly pass. Use Credit card and get cashback. Make sure you pay ontime. Then set aside RM200/month. Charge all your electrical stuff at school/work, save about say RM5. Don't use aircon and washing machine = RM100. Don't go fancy dining, save RM50. Switch all lighting to LED bulbs, more expensive now but cheaper in the long run. save RM10 QUOTE Total savings
Remove astro, cinema =RM100
Petrol cost = RM50
Credit card cashback = RM50
Set aside = RM200
Charging = RM5
Don't use aircon/washing machine = RM100
Don't go fancy dining = RM50
LED bulbs = RM10
FINAL TOTAL = RM565/month
ANNUAL TOTAL = RM6780 The current condition (ample units) will go on for a while. |
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Ramjade
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Jul 31 2015, 03:21 PM
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QUOTE(smartinvestor01 @ Jul 31 2015, 03:18 PM) Yape, i agree with that.. Even last time during the launching of AS1M, people misunderstood the returns as 4% just because the benchmark was set at 4%.. Today, many of my friends are regretting about this.. When will that time come? I don't think it will come anytime soon.   |
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Ramjade
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Jul 31 2015, 04:10 PM
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QUOTE(wil-i-am @ Jul 31 2015, 04:04 PM) Students have plenty of $ Waiting for my fd to matured. Then asked my mother to put it in. Hehe... |
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Ramjade
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Jul 31 2015, 04:14 PM
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QUOTE(nexona88 @ Jul 31 2015, 04:12 PM) nice Now low profile first.  |
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Ramjade
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Jul 31 2015, 07:00 PM
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QUOTE(Ancient-XinG- @ Jul 31 2015, 06:55 PM) Next week I will be free already. Ramjede, pk with me or make way for me!!!!!!! ..... Only realize we only have few thousand in hand already happy like that T.T May the best man wins.  |
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Ramjade
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Jul 31 2015, 08:02 PM
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QUOTE(wil-i-am @ Jul 31 2015, 07:49 PM) U want to b a man, u need to beat the man  Yeah muscleman. Although I do not know what is the story behind it. |
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Ramjade
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Jul 31 2015, 08:26 PM
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QUOTE(alexanderclz @ Jul 31 2015, 06:51 PM) yep. hopefully still have units in the coming weeks. only decided to try asx after putting in a large chunk into long term fd. main aim is to try to open accounts for asw and as1m. topping up would be much easier later on If got no units, put inside Maybank2Savers. atleast can earn interest. Everyday, go try small ammount (RM1000), sure got one.  If got units, then you taruh besar-besar. |
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Ramjade
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Jul 31 2015, 08:34 PM
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QUOTE(alexanderclz @ Jul 31 2015, 08:33 PM) lol. i wish i'm that free bro Go during lunch time |
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Ramjade
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Aug 1 2015, 10:19 AM
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QUOTE(Ancient-XinG- @ Aug 1 2015, 10:07 AM) Abang, next week can help us ask ur almighty friend regarding the ASM units can? From previous experience, ASM is always there. Just need to try small unit. Try when bank just open, lunch time and when bank going to close. These are the 3 lucky time. |
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Ramjade
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Aug 1 2015, 11:04 PM
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Want to ask, why is it ASX is not considered a higher form of FD? Yearly it have given returns of 6.6 guaranteed.
Although it is not covered by PIDM, nevertheless it is still considered safe investment as your principal will not depreciate in value.
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Ramjade
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Aug 1 2015, 11:21 PM
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QUOTE(ohcipala @ Aug 1 2015, 11:11 PM) They can't guarantee their performance to be good every year to be able to give a return of 6.6. If you want, you can regard it as a better alternative to FD which im doing  And BTW, it's not as easy as putting into FD because for ASX you need to try ur luck They cannot guaranteed 6.6 but yet they give us consistently 6.6 |
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Ramjade
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Aug 4 2015, 01:56 PM
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QUOTE(pakumon @ Aug 4 2015, 01:41 PM) Added 3k to as1m, i guess those that has the money even 10k's can easy get nowadays? Still no luck with opening asm, the clerks keep say no quota etc don't wanna try for me. Where are you from? Just tell them I know if got units, can open. Can you please help me try. |
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Ramjade
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Aug 4 2015, 02:35 PM
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How much is the max limit you will go? Cause my mother stop putting as1m and go for ASM instead. Said as1m enough already.
For me enough if no bullets or got at least rm1m (can keep dreaming). Not going to happen for me. Haha...
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Ramjade
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Aug 4 2015, 02:52 PM
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QUOTE(wil-i-am @ Aug 4 2015, 02:48 PM) Continue to top up AS1M until u surrender Correction. I don't have AS1M. Only have ASM. No more bullets. Every month can only put RM1000.  |
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Ramjade
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Aug 4 2015, 07:14 PM
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QUOTE(prince_mk @ Aug 4 2015, 07:03 PM) That s what I said. Can save 1000 while still a student Cause they give me pocket money, I use very little of it. Why burn it on Starbucks, shopping, movies, drinking and partying? If I go for movie also is like 2x/year. This post has been edited by Ramjade: Aug 4 2015, 07:17 PM |
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Ramjade
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Aug 6 2015, 10:28 AM
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QUOTE(alexanderclz @ Aug 6 2015, 09:56 AM) lol. afaik, no other places than d branch will open for non bumi. and as long as d officer has d thinking that d quota is filled up, surely won't open for me. hmmm Try klia2, maybank klang town. They can open for you. |
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Ramjade
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Aug 6 2015, 10:51 AM
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Melaka to klia2 I think is doable. Just tell them you want to open ASM, as1m, asw2020. Sure one of them will have.
If don't want to travel, tell the staff, I know if got units available, can open. You please help me check? I take off Purposely to come open. Please help. After that, they sure help you.
That's what happen to me in klang town. Told me full. I told them that statement, then they try for me.
This post has been edited by Ramjade: Aug 6 2015, 10:52 AM
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Ramjade
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Aug 6 2015, 06:20 PM
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QUOTE(wil-i-am @ Aug 6 2015, 05:59 PM) They bash ASx bcoz their confidence level with Putrajaya is very low However, they fail to realize tat the management n trustee of ASx is independent of Putrajaya What about the fact, I am your boss. I need the money. You say no, then is bye-bye for you? After all, he is the "boss". Will they go against the boss? Would like to hear your thoughts on this |
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