Oh, all the luxury watches, one of the 50 ever produced !

So when you go to the banks, wearing like "VCD sellers" also wearing all these watches ??

For MBB step up, on maturity just bring cert to redeem. My last step up with them, now I remember, all the interest paid on maturity. Unlike RHB and PBB, paid on each step up point.

For PBB, the next step up rate printed on reverse of the FD cert (6+6 mths).

This post has been edited by bbgoat: Jul 7 2015, 07:02 PM

No, no need to. People would be reluctant have to go back to validate for step-up rate.

Just like PBB, RHB worst still, every 3 mth. RHB recent step up last 3 mth, monthly basis !!

This post has been edited by bbgoat: Jul 7 2015, 07:05 PM

It means if FD maturity falls on Sat/Sun or public holiday, no interest paid.

I have 3 years FD in AmBank. If people suspect it will be affected, there will be a run on the bank.

Scxxed on this bank and that bank, will be scxxed to death first. Thats why spread out my eggs to diff banks.

My next target is OCBC with Hugo Boss pen promo. Also for eyetertainment in mind as well.

Is it 50/50 FD/CASA split, any T & C ?

But it is of short term which may not be of interest to some of the people here.

This post has been edited by bbgoat: Jul 8 2015, 10:07 AM

Yes, short term wise, it is a good rate.

OCBC's one pure FD. See below:

http://www.ocbc.com.my/personal-banking/Ac...mart/index.html

http://www.ocbc.com.my/assets/pdf/Accounts...o_savesmart.pdf

Need to register first !

Almighty Magician, high time for action. Has been quiet for a long while, other than "you no scxxx meh" comment !

This post has been edited by bbgoat: Jul 8 2015, 12:34 PM

Oh, all hell will break loose then ..............

Looking at high FD rate ended up in banks that may show issue later on. But also have experience with one foreign bank which gets into problem, scxxed me for a while especially I was out from the country for few months at that time.

So no more scxxed. Expereince builds up confidence.

Not sure if I answered to what you are trying to say.

I am looking at OCBC (leng lui RM and Hugo Boss pen), Affin and RHB for now.

This post has been edited by bbgoat: Jul 8 2015, 01:28 PM

I placed for the Affin 4.33% FD in early June. No auto-renewal for this promo. On maturity, the principal and interest will go to the SA. So need to open a SA.

Not sure I read you correctly ? Are you saying the 3 banks all have problem ? BR, Affin and AmBank, or just the first one ?

So it makes no diff if we deposit to banks with or without PIDM ?

Well, I won't put all eggs in UOB or OCBC only. For those chiak bui leow one, will they ? For 2 banks, that will be 50% of their assets each.

This post has been edited by bbgoat: Jul 8 2015, 03:09 PM

Wait & wait, finally the CIMB UT which matured eggs back to my account ! CIMB increased online transfer limit helped. Also now IBFT costing RM0.53. Transferred to my main CB acct instantly !

Heading to OCBC, leng lui, here I come !

This post has been edited by bbgoat: Jul 9 2015, 09:46 AM

In OCBC to do the Hugos Boss pen FD promo. The PB centre staff and the leng lui RM are NOT aware of the promo. This promo is solely OCBC and not related to RinggitPlus, they asked me if it is RinggitPlus. They checked OCBC website and finally found the promo. OCBC really did not communicate this well, even PB centre staff not aware of this promo. Around CNY, they are also not aware of their Ang Pow FD promo.

The leng lui RM told me this promo is an islamic one. So have to open a new islamic FD account. Luckily this time opening of the account is faster as compared to the first time (oh the first time .............. ). So hopefully I can get the pen 2 mths after end of July. Call Almighty Magician for help if cannot get the pen.

The earlier 180+180 days 4%/4.4% FD still ongoing. This one in fact gives better FD rate as the first 180 days interest added to the principal for the next round. Except no pen for this one.

The Hugo Boss pen promo is for normal 1 year period, 365 days.

This post has been edited by bbgoat: Jul 9 2015, 08:33 PM

Very scaxx loh ..........

This Uncle Magic can read my mind. What to do. Scaxx here and there, might as well sleep soundly 6 feet underground. No need to be scaxx anymore !!

Cannot move all assets to OCBC and UOB.

This post has been edited by bbgoat: Jul 9 2015, 09:06 PM

See the "Step 1 & 2" at bottom of the page:

http://www.ocbc.com.my/personal-banking/Ac...mart/index.html

Either SMS or register on the web page.

One more thing which I forgot to mention. OCBC PB centre is now doing a promo to get new PB member. RM300 is the reward. I signed a document on recommending new PB member and will get the RM300 depositing to my account in about 1 months' time.

I was told they started the promo again just recently. RM300 incentive not bad ! Go for makan makan

So, pull out from UT, FD etc etc ??