About rm1.21, 1.19. Not sure. I spread out into the 3 asg

Suggest you to realy save. No movies, fancy dining. Every money you have dump into loan. Buy baju only when you need it. Buy t-shirt, skirts, pants from pasar malam/pagi, bundle shop.

Shirt can get cheaply from places like tesco.

Yes. You won't have a life. But you will shorten your loan compare to your peers who "want a life" if I am not mistaken, you can save min 3 years of interest payment.

Not like [guy3288]

This post has been edited by Ramjade: Jul 2 2015, 06:42 PM

What I meant is we have limited bullets but guy3288 seems to have unlimited ammo.

What I meant is we have limited bullets but guy3288 seems to have unlimited ammo.

Not really. The CIMB bank that I went to allow us to try until the worker gets "fed up". My mother usually tries 3x.

CIMB got the nerve to tell me we don't allow top up anymore. Go to PNB if you want to top up. So go to Maybank and Post Office. No problem

That was before they told me cannot top up. Used to go CIMB because the counter woman very friendly. (Can try lots of time. But usually my mother just try 3x). Then one day told us cannot top up. After that never go to CIMB to top up anymore. Always have been Maybank and Pos Office.

Nice. Wonder can open with them or have to go PNB. By the way, bank will open until what time for eve of Raya? Going to try luck in opening.

How long to wait before we can go to those place to top up?

I guess LYN members had a good head start until almost the fishes are almost extinct. Haha...

By the way, I forgot, which gives better dividends? EPF or AS1M?

This post has been edited by Ramjade: Jul 3 2015, 09:59 PM

If past average?

You can't. You need to go to PNB/PNB agents and ask them to oepn account for you (if you are lucky). Depends whether stuff is helpful or not and whether got unit at that time or not.

If cannot open you have 3 options :

Nope. 6% is 6% of 5% of what you put in. So say if you punt in say RM1000 and unti price say is RM1/unit, you are getting tax on RM50 (5%)+ RM3(6% out of RM50). If I am not wrong

Where did you open?

Why nobody panic selling as1m like last time?

Last time people panic selling. Easy to get units. Now no one panic selling. Hard to get units. So that's why wondering why with the latest current issue, why nobody wants to panic selling.

nexona88 You mentioned on 1/10, sure can get. Recommend what time? Early morning or lunch time or when bank going to close?

Oh, they started selling about 1-2 months ago. Just recently it seems "dried up"

First,. He got special relationship with the bank. Judging from his transcation, must be a priority member.
Second, in previous post he left his books with them.
Third, he buys the counter stuff KFC frequently.

So from 1st, 2nd and 3rd point, the way he "catch" is not applicable to us.