Ah Sir.. Like what our Big Magician said....no risk no gain ma....

Old ginger like me will not scare...... .... but still scare a little bit lah...


So Captain.. Ah Goat eats my money.....
I think BR will rectify lah...just do not know when BR is going to do it..??

You eat my money....

Ai...Scare a bit lah.....

I agree, foods inside BR hamper are mostly cheap junk foods, no good to our body..
I was thinking not to collect hamper from BR anymore, because I think it is just wasting my petrol, time and energy to
go to collect those junk foods that I do not eat; but if I do like this， BR will think I am arrogant wor..

This post has been edited by BoomChaCha: Jun 23 2015, 11:53 PM

Ah Goat eats grass, not money.

He he.. not only eat grass.. but also eat CD leh.....

This post has been edited by BoomChaCha: Jun 24 2015, 12:04 AM

I forgot to mention, if to place FD in HSBC and Standard & Charteded Bank,
better to go there in the morning as early as possible.

Did you get a free regular size umbrella from HSBC?

It will cost more than RM 10 to buy an umbrella like HSBC umbrella...

Hello... Michelle Leng Lui... Welcome on board..

Can give special FD rate to lowyat members or not..?
I guarantee the quota will burst within 3 days..

OK lah, admit also eats CD. Taste great ! Don't you also like it ? Share, share !

Wasai, from real world to virtual world ! Taking another step .........................???????

I actually arrived at HSBC at 11am and did not have to wait for my turn, as there were not many customers tat time.
I was there with my wife and we planned to open 3 a/c (2 individual + 1 joint).
The bank officer told me that need about 15mins to open 1 advance a/c, which shud take about total 45mins!
Since already there and dowan to waste effort, no choice lor... continue to apply...
Worst thing was the officer screwed up the first attempt.. he said don't know why the system rejected application.
So, he advised us go for lunch first while he continue processing the application.

Return after lunch about 12.30pm, sign and there, ding dong ding dong then hafta go to counter bank in monies, then go another counter to process FD..... By the time got certs, already 2pm....

Regarding the umbrella, no... they didn't give any.. I asked for free gift, they say don't have...
Managed to salvage the banana flavoured "Minions" tic-tac though.

Lesson learnt: Before take up any promo FD, better also consider the time wasted to open new a/c (if don't have one).
Sadly so far, personally never heard of any good remarks of HSBC (sorry if offended any bros loyal to HSBC)... That day, really tasted the medicine.
Nevertheless at least the consolation is that I get 5%! hehe I hope no problems in my next visit when closing a/c after maturity date.

you didn't take the free latte at Premier Banking hall meh?

Received sms from OCBC on new promo - 3mth @ 4.8% with min 40k
but need to register via sms..cant find the info on website yet

This post has been edited by dEviLs: Jun 24 2015, 12:19 PM

This should be the same one discussed yesterday. Leng Lui from OCBC sending posts yesterday.

https://ringgitplus.com/en/fixed-deposit/OC...aving-Deal.html

promo started since early June liao

Bro really been tracking promo's thru' the various posts u have sent !

lol i really outdated liao

I called them and still available wor

Didn't take.... quite stress that time cos I was quite eager to get all done asap since need to rush back office.

Besides HSBC, Citibank also takes up lots of one's time when opening account for the very first time.

We have mentioned many times before it previous threads that one has to consider time (plus petrol and and stress in finding a parking spot if applicable) which I also mentioned in my article Earn More FREE Money with The Right Fixed Deposit.

As far as I'm concerned, HSBC promos is really a waste of time as they only offer special promo rate to NEW customer and for 3 months TD deposit only. And once you become an existing customer - you will never be offered any more TD Promo (so far for the last 5 years that I know off) and you have to maintain minimum AUM or else you'll be imposed penalty. And HSBC TD board rates are amongst the lowest in Malaysia. So then got hassle to go terminate the account after Promo ends. Having said that, if you have RM1M and got nothing better to do, then getting the extra interest for 3 months may be worth while.

Most of the regulars here that chase after FD really got nothing better to do but go waste time seeing leng luis (for the ladies leng chais) at the banks, hahahaha.

The other one I encountered is OCBC. But have good time looking at the leng lui RM.

Experience with HSBC not that bad. Have been CB customer for years so cannot remember "the first time" when I opened acct there.

Haha, taking a swipe at some of the regulars ?

I would go for FD with eyetertainment in mind. But, I passed on the HSBC one. Too short in duration for me. Ah Boom brought gf's there to maximise his profits. Ha ha ha !

This post has been edited by bbgoat: Jun 24 2015, 05:04 PM

Bro, not taking a swipe but it's a fact (i.e. nothing better to do but go chase after FD Promos).

I know of a old couple who goes to Alliance Bank PB lounge everday (working days) to read the papers and have FREE coffee!!!

Bring GFs to PB lounge good idea, get to give GF impression that one is loaded plus nice environment for dating with FREE coffee (if at UOB got lady to serve fresh brew coffee plus biscuits), hahaha.

This post has been edited by Gen-X: Jun 24 2015, 05:13 PM

Yes, CB's Citigold lounge has old uncle/aunties spending time there.

Ah Boom brought GF's to HSBC, probably surrounded by few GF ?

Actually for HSBC, I passed on their 3 mth FD promo. More important reason is the 30k limit for the FD promo. Have to do like Ah Boom bringing more people to open several accts. Then 3 mths later have to do withdrawal. So calculating the reward vs time spent, I passed on it.

HSBC seldom has really good FD promo. I am pulling out my FD soon from there.

Just rec'd a text from CIMB Bank
3.90% pa on 3 mths FD with min RM50k n valid till 30/6