asm i opened a few weeks back at asnb melaka as reported

asw and as1m managed to open today 
you guys will benefit from my bank adventure. lol.
maybank cheng - very professional

places that were not successful

maybank - ayer keroh branch, main branch, mitc branch
cimb - ayer keroh branch
rhb - aeon bandaraya branch, bukit baru branch
pos - ayer keroh branch

Fixed - ASW/ASM/AS1M
Variable - ASN3/ASG

All Fixed price funds sold out now
Having said tat, u can try Luck when Ppl sell

Post #2242

yes if u have time & $$ 

asm i opened a few weeks back at asnb melaka as reported

asw and as1m managed to open today 
you guys will benefit from my bank adventure. lol.
maybank cheng - very professional

places that were not successful

maybank - ayer keroh branch, main branch, mitc branch
cimb - ayer keroh branch
rhb - aeon bandaraya branch, bukit baru branch
pos - ayer keroh branch

Well I don't drink. Smoke, go shopping for fancy shoe, clothes, latest gadgets, drink Starbucks/chatime, eat at fancy restaurant, never spend my angpao money. All pocket money given to me, will be put into FD, (before this was using fd) short term money in maybank2savers/Truesavers.

Buy only what is needed. Shop for clothes at pasar malam,  bundle and tesco only when needed. No car. So no petrol cost. Cinema also like 2x/year. No loans.

In short, I am cheapskate and frugal guy. Dream of having rm1m in ASX but dreams are just dream.

Sarcastic or what?

This is how I save
Clothing
My t-shirt RM5.
Shorts also RM5
Slacks RM 25-35
Cargo pants  RM25

Gadgets (going to push until they spoil)
1 x laptop (almost 5 years old). - Maximum budget to change when spoil is RM3000 so that my parents can get relief from income tax.
1 x handphone android (will never buy iphone) - (almost 2 years old) - If change will get xiaomi.
1 x ipad air 2 wifi (on promo - save about RM300) (less than a year old) The trick with ipad is JB so can get apps for free    and DON'T UPDATE the ipad. Each update will cause it to slow down. After all, I am using it to just read uni textbooks. No games nothing. Why ipad? Battery life cannot be beaten by any android tablet. Why need to buy 3G when I am always on WiFi? (save another RM200-RM300)

Internet
Wifi - Go starbucks, sit down don't order anything and use their wifi.   
Campus internet
Worse come to worse use my own 3G internet. RM68
Phone - Call & SMS using WA, Reload RM30/year

Shoes
RM72/year (cannot save as I need to have waterproof and non-slip shoes)
Sandals RM6-RM10 (can last for 2 years like that)

Lifestyle
Food & drinks
- No fastfood, no starbucks/chatime/alcohol. Just buy chapfan and lots of vege dishes. Only 1 meat dish. Total RM6-7/meal
- Groceries shopping = RM300/month (all fruits and veges, soap)
- No girlfriend yet.
- No birthday celebration. If I go for friend's birthday celebration, sure burn minimum RM50

Fun
- No cinema unless is Marvel and get recommendation from friend. That one also make sure ticket is about RM10. See post on internet 
- No mamak. Waste of time and unhealthy
- No clubbing/karaoke (no alcohol and karaoke will spoil your ears in the long run)

Transportation
- Walking everywhere
- Public transport

Others
- Using ebooks so no need to waste money to buy real books
- Use Maybank2Savers/Ambank True Savers and 1 month eFD from Maybank (3.25%. Results can only be known next month)
- Online business (small side income helping people to bypass internet restriction)
- Not using credit card yet as parents don't trust credit card. But when I do get one, I will be able to boost my savings further. 

So that is how I save. My parents told me the pocket money is yours. Up to you, you want to do what with it. Kind of sad, some of my friends don't even know what is FD. Also, some of my friends by end of the month, no more money (cause alcohol/clubbing/celebrating friend's birthday). Any extra all goes into the online saving account + eFD.

so managed to open?

Nope. You can only earn dividend when you deposit on say 31/7 or 1st/8. Deposit on 2/8 - 31/8 won't earn you dividend for the month of august. But they will earn you dividend starting Sept.

But seeing that opportunity like this does not always come, I recommend you to just taruh. Don't wait   No dividend also nevermind. Main point is you know you will get dividend starting the next month. 

Yes
In addition, each Fund have different financial year end

On 1/9

Why do you need to open it asap before 1/9 ? OPen the account when there are available units,..most likely after the dividend has been given at at the end of the current FY.

i believe the fund is there at this moment. just that the staff are so used to 'quota sudah penuh' in the past to even try to open an account for u.

just got to go bank shopping and hope you find a kind officer

ASM higher chance. Tell them if got empty units, I know can open account. Can you please check? I tell this in all my post everytime someone said cannot open.

1st time is d fella at the counter. 2nd time is d supervisor i think. probably need some certain level to view it
asnb. bank not sure

u better try at ASNB.. ask for ASM.. tell them to "see" got unit or not 1st.. then ask them nicely to open account 

Bro, u have exit ASx completely or some leftover?

why not 3? lol