Nevel lah.. Ah Sir..
2 days ago when I was in BSN to pay bills, the staffs were very slow
but luckily I saw 2 sexy young girl customers in good shape that made
me awake..

I am not interested in placing FD with BSN, I do not like the staffs slow working
behaviors.

FD depositors are usually Chinese because Bumi do not need FD since they
can get other Government "Kang Tao" that non-bumi are not entitled.

This post has been edited by BoomChaCha: Oct 18 2015, 02:53 PM

Hu.. one of the leng lui was sibeh sexy, I was thinking to take picture,
but noticed there was a sticker attached on the BSN glass door stating
not allowed to take picture...

In most banks, I guess more than 70% of FD depositors are Chinese lah..
Bumi can get 7%xx from Pos office, but I do not know what kind of saving account
it is..

When I look at BSN staffs slow working progress, I feel like I do not have confidence
in this bank..They give me an impression that they are not efficient..

This post has been edited by BoomChaCha: Oct 18 2015, 03:22 PM

Yes, this can consider as fresh fund

Oh.. Where are you going to place your next FD tomorrow (after UOB FD)..??
How about to place 5 years FD gao gao lat this time..?

My OCBC FD (3.87% effective rate ) will mature tomorrow too..
Now do not know should I go for MBSB 5 years or AM Bank 5 years? Very headache..


This post has been edited by BoomChaCha: Oct 18 2015, 03:51 PM

Few years ago I saw a bumi holding a small book like a saving account book
in a post office, he told me he could get more than 7% of interest of his saving
account in post office.

I did not ask him further lah otherwise he thought I wanted to rob him, then how..??

Bumi got a lot of Kang Tao lah...

Last time a bank manager told me Bumi can make 4% free money by borrowing
personal loan from bank at 5% rate, then use this money to buy a government bond
to make 9% profit, but this will take several years to generate the profit.

Bank manger told me that this bumi rejected bank manager idea, because this
bumi wanted to make fast money..

Yeah, should be Amanah Saham...

Non-bumi where got Knag Tao..?

Callable cannot guarantee to make money wor...
But Amanh Saham for sure guarantee can make money..this is a real Kang Tao..

I did not withdraw the interest but I leave the earned half yearly interest to add to
principal to roll interest again..

Ai.., this low 3.87% effective rate is the bigger pain on my chest lah...

Yes, I think you are saying it right.

Total tenure is 18 months.
First 6 months paid 3.6% first, then 3.6% interest earned will add
to principal and continue with 4% for the remaining of 12 months.

Effective rate is 3.87%

Interest rate went up 3 months later after I placed this FD during last year...
A pain on my chest that unforgettable...

Oh.. obviously gsc has a high demand standard for leng lui...

Ha ha..
Sorry, I forgot about Bank Rakyat...

5 Years FD Comparisons

The Best Return:
(No. 1) MBSB 4.7% with interest paid every 6 months
Pros:
(1) Min FD deposit as low as RM 1K
(2) FD interest can deposit to any depositors' desired bank saving accounts
(3) Banker's check is free for payment of FD interest

Cons:
(1) Insufficient of branches nationwide
(2) No ATM, no online banking
(3) No FD interest will pay during holidays. For example if interest payment date falls on Saturday, then no interest will be paid for Sunday.
(4) FD can only be withdrawn in home branch

(No. 2)Am Bank 4.55% with interest paid monthly if 50 years old and above
Pros:
(1) More branches
(2) Can use True Savers to maximize return
(3) FD can withdraw in any branches nationwide but need to pass thumb print verification.

(No. 3) Bank Rakyat 4.5% (negotiable) with monthly interest
Pros:
(1) FD rate is negotiable if deposit amount is RM 50K and above
(2) So far no annual charge for ATM card
(3) Hampers & gifts, high-tea invitations and etc..
(4) Staffs are polite to customers

Cons:
(1) Less branches & ATM machines
(2) No banker's checks will be issued for FD withdrawals but can use IBG/TT instead. Quite troublesome.
(3) Frequent change of FD interest payment schedules which lead to customer unsatisfactions, complaints and confusions.
(4) FD can only be withdrawn in home branch

(No. 4) BSN 4.5% with interest paid monthly if above 50 years old and FD deposit exceed RM 50K
-- Sorry I am not familiar with BSN. But quite disappointed I have not seen any leng lui staffs honestly speaking



The Most Secured:
(No. 1) BSN 4.5%, no PIDM but FD deposit guaranteed by the Malaysian Government. I think this is good for deposit amount larger than RM 250K since PIDM protection limit is RM 250K.
(No. 2) Am Bank 4.55% with PIDM
(No. 3) Bank Rakyat, without PIDM but guaranteed by The Ministry of Finance
(No. 4) MBSB 4.7% without PIDM, EPF holds more than 60% shares of MBSB

This post has been edited by BoomChaCha: Oct 18 2015, 10:24 PM

Warrior, after struggling in between MBSB and Am Bank,
finally I just placed 5 years FD with Am Bank.

These 2 leng lui were in inside BSN lobby wor..? How to take picture..?
If I did it, BSN might think I was sent as a spy to take the bank picture before
to rob the bank, then how..?

I agree BSN service is got damn slow, the service is so slow that I really cannot tolerate...

I do not have the mood to place FD with BSN. Maybe never...

Ai.. Uncle scared mah..
But recently uncle is very hard to fall in sleep after see these 2 sexy
leng lui. Now quite regret did not take the picture..

Yes.. will do it next time if got a change like this again..


By the way, when I withdrew my OCBC FD this afternoon, I noticed I got
a blinking "PB" status in OCBC computer. According to OCBC staff, my PB
status is forever shown in OCBC system even my AUM drops below RM 300K.

OCBC staff: Oh.. Mr Boom, why don't you go inside the PB room? Staff in PB room can
work faster for you.

Me: Hah..? You mean the Premier Room? I am not a premier customer anymore

OCBC staff: You see here (turned the monitor screen to me..), you have a PB status here..

Me: Oh.. you mean this blinking PB..? I thought my PB status has been terminated since I have only RM 20K FD in OCBC?

OCBC staff: No lah.. OCBC will not simply terminate PB status, you are a PB, Mr. Boom.

Me: Oh... I see

OCBC staff: So next time Mr. Boom can go to Premier Room? This will save your time.

Me: No need lah...I like here better

OCBC staff: Why leh..? You do not like the service in Premier room?

Me: Not really lah... This is because Premier Room gives me a lot of pressure wor..

OCBC staff: Ha ha.. understood

OCBC staff: Mr. Boom, your IC is quite old, your IC numbers look so blur lah ..Oh.. very hard to see, is your IC number starts with 51?

Me: Yes, it is. But I wish it started with 81..

OCBC staff: Ha ha ha..(a very big laugh.... next counter staffs & customers also turned their heads to us..) Mr . Boom, you like to make joke, ..but unfortunately we cannot stop us to become old..

Me.. Ya lah..I know.. just a wish only mah, cannot meh..??

This post has been edited by BoomChaCha: Oct 19 2015, 09:54 PM

Oh.. You take the chips to where?

I placed AM Bank FD because
(1) I do not want to put too many eggs in a basket
(2) aeiou suggested to put in Am Bank for 5 years PIDM protection
(3) AM Bank 5 years promo will end this month, I do not want to miss this 5 years FD promo
with PIDM

Am Bank gave me a camel coin box only

This post has been edited by BoomChaCha: Oct 19 2015, 10:27 PM

Yes, there is somebody will work dedicated for PB customers in side the Premier Room, so the
work progress will faster than the normal customer service and teller in bank lobby.

But do you know who are inside the Premier Room?
When you walk in the Premier Room, the RM in side the Premier Room will not let
you go until you buy the investment products from them, the Premier Room is a
trap lah.. Lat time I was surrounded by 3 leng lui RMs leh, almost
could not escape out of the Premier Room..

I feel more comfortable sitting in the bank lobby..

This post has been edited by BoomChaCha: Oct 19 2015, 10:50 PM

At least if one basket broken, I guess I still have the opportunity to take the rest of
eggs out from another basket..

I think this most of the time depends on the mood, character and behavior of the individual.

Most of the employees do not aware that they are representing the company to talk to the customers. Once if they are saying or doing something wrong to the customers, the whole
company's corporate image and impression will be affected.

For my case, I think 2 possibilities:
(1) I think I will receive a letter like your friend soon
(2) OCBC just changed PB policy

Handsome..? Uncle where got handsome..?
Leng lui wants Uncle money only..

This post has been edited by BoomChaCha: Oct 20 2015, 12:37 PM

Hah..? 2 Years FD 4.6%..?
I just placed 5 years 4.55% yesterday..

Just called to Am bank in Taman Maluri, this promo is starting today and
available until end of October.

Mini fresh fund RM 10K.
If use existing fund, then need to top up at least additional RM 10K, or 20%

I want to withdraw 4.55% 5 years.. and change to 4.6% for 2 years..

Just called to Am Bank again, I can only go tomorrow to uplift the FD because Am Bank
needs 2 days for the check clearance.

I think I should go to change lah even will lose 2 days interest

Thanks Bro for the update news..

MBSB 4.5% for 18 months, interest payout upon FD maturity is out already...

This post has been edited by BoomChaCha: Oct 20 2015, 01:33 PM

I just called to Raja Chulan branch:

This 4.6% for 2 years FD promo is available until 30th of November, not previously
stated as available until end of October.

2 Interest Payment methods:
(1) Above 50 years old can get monthly interest
(2) Less 50 years old can get half yearly interest

Min deposit is RM 10K

This FD promo is HOT...

earlofclarendon is No. 1 Ha ha..

This post has been edited by BoomChaCha: Oct 20 2015, 03:03 PM

No doubt this is the best FD promo so far lah...
The rest can put aside first lah.... Ha Ha..

Correct..correct..correct..

And some more can credit interest (monthly or half yearly) to
True Savers account (2.8% p.a.) to maximize profit.. so the
effective rate should higher than 4.6% ..

This post has been edited by BoomChaCha: Oct 20 2015, 03:25 PM

I think Am Bank 5 Year 4.55% is not sellable.

Imagine, it does not make sense same bank offers 5 years 4.55% and 2 years 4.6%..

Am bank is seeing that the response of 5 years 4.55% is slow, therefore Am Bank
quick quick offers 2 years 4.6% which is more attractive..

Hopefully other banks will follow to offer more attractive FD promo..

Am Bank 2 years 4.6% promo is available in all branches.

I think 5 years 4.55% is not moving well, that's why suddenly Am Bank
executes "Plan B" to come out with unbeatable 2 years 4.6% promo..