Looks like cybpsych has made a name of himself in LYN !

Note I said tomorrow. Oh, I see, your day has started at 2.46am Friday. So you have finished counting eggs already ?

My Day has just started but at 8am or so .................. So early bird catch all the worms !

Actually I was trying to utilise a UT which matured yesterday. Hoping that it will be deposited into my CIMB acct yesterday but looks like it is not going to be. Maybe weeks away.

So no update today ...........................

In PBB to withdraw matured FD. No FD promo in PBB.

Like Captain just said, not much promo at the moment.

I sure hope so. The counter girl told me no more FD promo in PBB.

I shall ask: "Can I hold your hand" and see what the leng lui is holding ...........................

It was supposed to be until end of year or hit a target of xxx million. I think I mentioned the figure here after I placed mine on June 5.

This post has been edited by bbgoat: Jul 3 2015, 02:13 PM

Counting those banks/financial institutions that Captain not involved/promoting: BR, KFH, Affin, MBSB. I am with 3 of them except MBSB.

Not speaking on your behalf la. Just noting your preference, based on what we observe only. I am not your spokesman.

Ha ha, note I said "not involved". You have mentioned that KFH you are not too sure of their business or mode of business. Of course now there are talks of KFH being sold to another bank ?

You also said:"I also don't promote Affin's FD most of the time too". Affin board rate is the highest for 1 year, I read it in your blog.

I also not with MBSB, with some concerns.

This post has been edited by bbgoat: Jul 3 2015, 07:56 PM

PIDM is supposed to cover all banks, not just MBB. In insurance terms (PIDM is a kind of insurance subscribed by banks), supposed to be able to. Note, "supposed".

Add: as Cherroy mentioned just 250k, NOT all sums per acct entity basis.

This post has been edited by bbgoat: Jul 4 2015, 09:30 AM

From PIDM website:

http://www.pidm.gov.my/For-Public/Frequent...%28FAQs%29.aspx

Q1: What is Perbadanan Insurans Deposit Malaysia (PIDM)?
A: PIDM is a Government agency established under Akta Perbadanan Insurans Deposit Malaysia (Malaysia Deposit Insurance Corporation Act). PIDM was set up in 2005 to administer the Deposit Insurance System (DIS) aimed at protecting depositors.

Beginning 31 December 2010, PIDM’s role was expanded to administer the Takaful and Insurance Benefits Protection System (TIPS) to provide protection to owners of takaful certificates and insurance policies.

Within Malaysia, we are known as PIDM, being short for Perbadanan Insurans Deposit Malaysia. Internationally, we are also known as the Malaysia Deposit Insurance Corporation (MDIC).

That is a scary scenario !

Gold is KING !! Right time to buy some gold ?

Bundled with ASNB UT, 50/50 split.

Pure FD of 7% ?? Rather high if true normally some sort of promotion. Tenure of how long ?

If auto renew, normally goes back to board rate.

3 mth, 4 mth FD ??

Leng lui RM called inviting me to a dinner event on launching of a bond fund. RM's are more interested to sell UT.

Asked her on the Hugo Boss pen promo, she is NOT aware of it.

I looked at the T & C. Looks like OCBC has updated the T & C instead of the one I saw on 1/7. Still 40k FD needed to get the pen but RM not aware of it. Bad job of OCBC that their staff not aware of promo.

This post has been edited by bbgoat: Jul 6 2015, 06:23 PM

I guess Captain is more of:

for those who have made their money on speculative investments and have enough of the thrills that comes with it

Yes, I saw the website mentioning it. But the point is RM NOT aware of it. Same for the OCBC CNY Ang Pao promo, the leng lui also not aware of it.

Aiya, how is that considered speaking for you ? I said: I guess. Just forming opinion which may be wrong about you.

Oh, so now I know Captain still holding stocks. I thought you are holding almost all in FD's. How wrong I am.

I do need to follow suit as I also have shares and UT which may face the same issue. Timing is really key !

This post has been edited by bbgoat: Jul 6 2015, 07:03 PM

Only RHB is doing the FD/UT bundle. The forumer said FD is in MBB.

I did know about the IRB claim back of the dividends for you. But I thought you may have exited from the so called "non FD" markets.

So still have loads of eggs there ?

So you belong to the second part of the below statement (your yesterday's posts) ??
Quote:
"FDs are for people who need the money to survive and not willing to take risk OR for those who have made their money on speculative investments and have enough of the thrills that comes with it, hahaha."


You really want to use up all the children's inheritance ?

This reminds me of your blog of counting coins at night.

But I guess this may not apply to you as gold mine is stacked somewhere between KL and Melbourne.

This post has been edited by bbgoat: Jul 7 2015, 08:23 AM

For MBB step up, have not seen one which add up the interest to next round. The only one that I know of is OCBC 360 days FD which add up the first 180 days interest to the next round. As such the first180 days interest cannot be withdrawn unlike step-up's of RHB, PBB. Not too sure of MBB as have limited experience with their step-up FD (only short 3 months step-up placed before)

This post has been edited by bbgoat: Jul 7 2015, 10:48 AM