ASM sale!!!!!

really?? haha go try later

How much u got?

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.

Just focus on as1m.. Others work the same. And the asm today got many many unit left.

Kl, damansara areas. I'll try banks further away when got time. Tried maybank and rhb that's within walking distance. The rhb here terrible, even topup they say can't access system, so forget about even asking them open new accounts. Post offices seems most willing to help but the one here not updated to new system can't do asm.

Yeah that's what i'll focus on for now, don't have alot spare cash around to add tho.

This post has been edited by pakumon: Aug 4 2015, 02:13 PM

I wud advise u continue to top up AS1M while try luck on ASM

Erm, if you willing to risk some more, try online banking. Only as1m can do online via m2u. Others banks I not sure la because got people from here can do online and got it.

Just focus on as1m will do because they have good track record since launch.

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...

Hmm.
Depends on individual actually.

Btw, how long the econ problem in MY already? 1 year? If yes, need to see those funds performance already.

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.

Well whether put in as1m or asm or other fixed price it's still the same risk isn't it, all still considered putting into the same basket. Having more accounts just means more options to try topup for non bumis.

A great achievement for student as I bliv working adult is struggling to save d amt

Want to ask regarding ASB Loan.

Situation
1) Borrowed RM200k ASB loan at Maybank Islamic for 25 years with installment of RM1,242/month.
2) Based on Picture above
- Assume worst case scenario at interest income 7.5%/annum
- Will not withdraw interest income every year but instead pay like normal. Let the interest and principal added every year.

Question
1) What is the interest like? Sum-of-digit or straight line method?
Sum-of-digit method = Interest highest at first payment
Straight line method = Interest equally start till end

2) My calculation is by early 2023, I've earn / paid
- Total installment = RM110,538
- Total interest = RM68,376.15
- Total principal = RM42,161.85
- Total ASB + Interest = RM342,178.89

Initial principal - Paid principal = Remaining principal to be paid
RM200,000- RM42,161.85 = RM157,383.15

Total ASB + Interest - Remaining principal to be paid
RM342,178.89 - RM157,848.15 = RM184,340.74 left inside my ASB

ASB left after settlement - 7 yrs+ installment
RM184,340.74 - RM110,538 = RM73,802.74

So for the past 7 years I've gained RM73,802.74 $$$. Is my calculation correct?

This post has been edited by uk9089: Aug 4 2015, 06:44 PM

Yeah...so much bullet when still a student. I started topping up upon finish college.

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

More save when u got at least 3 elder siblings.
Entertainment, gadgets, pocket money, and loves.
Monthly save at least 1k. Lol.