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 Ultimate Discussion of ASNB (47457-V), Wholly owned subsidary of PNB (38218-X)

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Ramjade
post Oct 9 2015, 11:38 AM

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QUOTE(Chrono-Trigger @ Oct 9 2015, 11:33 AM)
Grab the units fast. Looks like Malaysia has seen the worst
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Meaning? Going to out of stock?
Ramjade
post Oct 9 2015, 11:53 AM

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QUOTE(alexanderclz @ Oct 9 2015, 11:49 AM)
early morning when the banks open is 1 of the 'golden hour' to topup
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Including lunch time(1 o'clock and about 3. smile.gif

QUOTE(nexona88 @ Oct 9 2015, 11:50 AM)
but pos malaysia open earlier @ 8.30am  nod.gif
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Nope. ASX counters only open at 930 national wide.
Ramjade
post Oct 9 2015, 12:40 PM

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QUOTE(alexanderclz @ Oct 9 2015, 12:33 PM)
nowadays i see pos malaysia putting up signs that the last asnb transaction is at 3 or 4pm
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If you take the no before they stop issuing you no for ASX counter, they will entertain you.
Ramjade
post Oct 9 2015, 02:40 PM

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QUOTE(alexanderclz @ Oct 9 2015, 02:28 PM)
eh why guy3288 always can buy in such an amount? anyhow, ppl wanna buy but was told no units.

on the side note, why cover up ur 1 september transaction?

edit: oh dividend day. lol
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Er, bottomless pocket?
Ramjade
post Oct 9 2015, 03:52 PM

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It would seems that ASW really hot now. hmm.gif

alexanderclz it is because he is a vip customer. In previous thread, he leave his book there. Come back later only to sign the paper to withdraw from his account.

This post has been edited by Ramjade: Oct 9 2015, 03:53 PM
Ramjade
post Oct 9 2015, 03:55 PM

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QUOTE(kinabalu @ Oct 9 2015, 03:48 PM)
I manage to get 3k only... sad.gif

balance have to masuk ASM & AS1M. dunno worth it or not. sad.gif
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As long as tax free, and can give 6.x% and is Rm1/unit, I think more than worth it.
Ramjade
post Oct 9 2015, 07:24 PM

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QUOTE(wil-i-am @ Oct 9 2015, 07:21 PM)
Dunno u r HNWI too  notworthy.gif
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Huh RM50k also say HNWI? rclxub.gif Then if RM500k, VHNWI biggrin.gif tongue.gif ?
Ramjade
post Oct 9 2015, 07:26 PM

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QUOTE(wil-i-am @ Oct 9 2015, 07:24 PM)
Lol...
My own dictionary
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RM50k nothing la. If one can save >RM2000/month, in 2 years already HNWI :clap:If RM500k, then we are talking. drool.gif cool2.gif

This post has been edited by Ramjade: Oct 9 2015, 07:27 PM
Ramjade
post Oct 9 2015, 07:34 PM

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QUOTE(wil-i-am @ Oct 9 2015, 07:27 PM)
Sad to say I can't save even RM200/mth
How about u?
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I save ~50% of what I get from my monthly allowance and maximise the banks. Don't let banks earn money from you. Why want to make them richer? mad.gif vmad.gif
Ramjade
post Oct 9 2015, 07:38 PM

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QUOTE(kinabalu @ Oct 9 2015, 07:30 PM)
kinda regret to share my experience so detail...  sweat.gif  sweat.gif  sweat.gif
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Chill la. At least now we know how to "force" the bank to entertain us for those who have the privilege. For those who can't just do like me, go to to another bank and try your luck there. Banks should be treaten. Already put so much money with them don't want to do work for us. Like that if me also, I remove all my money from that bank. Support what you did. rclxms.gif notworthy.gif
Ramjade
post Oct 9 2015, 07:48 PM

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QUOTE(Vincent9696 @ Oct 9 2015, 07:40 PM)
Rm2k per month , wow.. Tun can save ???current situation very hard to save , unless they earn a lot ...
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If one earns RM4k/month, petrol, groceries, bills, maybe loan payment for house should take up about 50%. More than enough. Who ask to go fancy hote for dinnerl? As Captain Gen-X said, we eat, sleep, shit and now I add in two more, pay bills and tax. tongue.gif

QUOTE(wil-i-am @ Oct 9 2015, 07:41 PM)
Tun practice frugal lifestyle
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Everyone can do that. Is just see whether can live without all the fancy stuff in life. But then again, maybe I better spend some money now and then on stuff which can last. RM is dropping like no tomorrow despite slight increase today. The money I am holding is decreasing in value. vmad.gif
Ramjade
post Oct 9 2015, 07:50 PM

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QUOTE(alexanderclz @ Oct 9 2015, 07:47 PM)
don't forget to enjoy life bro. money can't bring to grave
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That's why planning to buy some stuff now and then. hmm.gif notworthy.gif Stuff which can last. Seeing that value of RM is dropping. Better buy now rather than wait until RM drop some more.
Ramjade
post Oct 9 2015, 08:12 PM

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QUOTE(Vincent9696 @ Oct 9 2015, 07:55 PM)
Although earning more than 4k , but still hard to save like you ....haha

Tun want to buy gold?
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Nope books to protect against TPPA. TPPA = no more generic drugs + GMO organism will be introduce secretly into food supply. TPPA is not signed yet, but I am >90% sure it is going to be signed. whistling.gif If it get sign, prepare for the worse. BIG US companies are only in for the money. Is time we all go back to nature. Not to late to start. Live healthy, avoid GMO by planting as much as you can = avoid getting sick = avoid patent drugs.Why secretly? I wouldn't trust GMO food. Patent drug will drain you faster than ever. Why pay for patent drugs when there are lots of ways to be heathly again? That's a branch of medicine in the west call naturopathic medicine = going back to nature without drugs. One can always buy naturopathic medicine textbooks and read whenever one have free time. Is expensive but health is a kind of investment. smile.gif nod.gif I emphasise TEXTBOOKS back by research.

End of the day, they can take your money, but they cannot take your knowledge.

This post has been edited by Ramjade: Oct 9 2015, 08:16 PM
Ramjade
post Oct 9 2015, 08:17 PM

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QUOTE(nexona88 @ Oct 9 2015, 08:14 PM)
well not many people have 50k "laying around" in CASA doing nothing  rolleyes.gif
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Don't need to be CASA. Can be FD, any investment with the bank worth minimum RM50k. smile.gif nod.gif
Ramjade
post Oct 10 2015, 10:26 AM

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QUOTE(kpfun @ Oct 10 2015, 10:02 AM)
I told them ASNB owned by more than 80% Malay subscribers, and so do EPF, at least 50%+. No political parties dare to screw up these 2 organizations. They have many imaginative alternatives to rescue them if they are into trouble.
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Are you sure? Tabung haji have been used to rescue *cough*
Ramjade
post Oct 10 2015, 10:35 AM

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QUOTE(alexanderclz @ Oct 10 2015, 10:29 AM)
few months back when units are plenty, we can choose when we want to add units. but nowadays, with limited units, i think chances of getting units at the end of the month or 1st of the month is quite low.
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ohcipala

Right now, I think if can get units also lucky already.

Ramjade
post Oct 10 2015, 10:56 AM

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QUOTE(kpfun @ Oct 10 2015, 10:41 AM)
They are paying 6.25%+2% this year.
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Didn't you read the news that tabung haji was bought some land and paid more than the market price some where early of this year?
Ramjade
post Oct 10 2015, 11:04 AM

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QUOTE(wil-i-am @ Oct 10 2015, 11:04 AM)
Yo portfolio(s) r very stable with negligible volatility except USD
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Unker dreamer would be so sad.
Ramjade
post Oct 10 2015, 11:12 AM

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QUOTE(alexanderclz @ Oct 10 2015, 11:07 AM)
if everyone listens to him, our local market definitely crash - which will make him right. lol
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Actually I think Hansel is right. Keep your money overseas. Transfer back only what you need. Or once your ASX is able to generate more than enough monthly income (say one year RM60k-which means you need rm1m inside there), any balance should be move elsewhere. Rm60K/year more than enough for average people. Withdraw out the RM60k and put into say ambank Truesavers so one can use it anytime for the whole year.


Ramjade
post Oct 10 2015, 11:25 AM

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QUOTE(alexanderclz @ Oct 10 2015, 11:20 AM)
easier said than done bro. the majority of the ppl only earn 2 to 2.5k per month. maybe you're still young that's why can be so optimistic. lol. hope whatever you're studying will give you high income
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I get what you are saying. I can't even reach rm1m. Reaching rm1m is my dream. Hehe... What I meant is people who already have rm1m like some people in FD thread. No need to keep anymore in malaysia. 1 house to stay, rm1m in ASX is enough. Rest should be out of the country.

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