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 Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2

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Bonescythe
post Oct 27 2015, 05:02 PM

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QUOTE(Ramjade @ Oct 27 2015, 04:46 PM)
Where got bonus? If got bonus, I want to dump ambank Truesavers. Bonus guaranteed?
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https://www.machbyhongleongbank.com/dream-jar

my case is

save 3000 in 6 mths.. each mth put 500

in the maturity, get
3000 capital + 30.25 interest + bonus 12

3042.25 for 6mths.

so izit almost 3% ?
Bonescythe
post Oct 27 2015, 05:21 PM

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QUOTE(Ramjade @ Oct 27 2015, 05:19 PM)
Did you set a target for yourself (rm3k)? Can you repeat the experiment and say set a target of rm3k in 6 months?
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target sendiri set

1k 2k 3k 5k 10k.. up to you
Bonescythe
post Oct 27 2015, 06:23 PM

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QUOTE(Ramjade @ Oct 27 2015, 06:21 PM)
I don't think so.
(42.25/3000 x 100%)  x 2 (Cause the first calculation is for 6 months) = 2.8166666%
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But i put in every mth 500...

So u need to use 500 to count..

500 6 mth
500 5 mth
500 4 mth
500 3 mth
500 2 mth
500 1 mth

Complete... 6 mth. 500 pay on beginning.

This post has been edited by Bonescythe: Oct 27 2015, 06:24 PM
Bonescythe
post Oct 27 2015, 06:30 PM

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QUOTE(Ramjade @ Oct 27 2015, 06:25 PM)
But we are counting the final. Cause they won't pay you bonus if you didn't reach target. Base is 2% Besides you want to save rm3k. We want to see how much interest + bonus will rm3k generates.
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Haha.. good luck on your maths.. like this u sure fail..

Go use Time value money calculator la
Bonescythe
post Oct 27 2015, 07:06 PM

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QUOTE(Ramjade @ Oct 27 2015, 06:43 PM)
Please show your calculations. Would like to learn.
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Ok la.. let u win this time because I started with 3k and aim for 3k.. so my 3k is parked there for 6 mths instead of 500 monthly for 6 mths. Just dig back my record and see..

So it is 2.816%
Bonescythe
post Oct 27 2015, 10:07 PM

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QUOTE(Ramjade @ Oct 27 2015, 07:14 PM)
Please I want to see your calculations. Cause you tell me 3% and Hong leong is one kiamsap bank (look at their FD promo, usually not competitive). So it is kind of hard for me to see that they are suddenly so generous with their  savings account. I could learn a new thing.
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Ram gor... i say almost 3%.. i didnt mention 3% la.

Almost... 2.816 is also almost ma...
Bonescythe
post Oct 27 2015, 10:22 PM

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QUOTE(cklimm @ Oct 27 2015, 10:09 PM)
look, u put ambank savers 2.8%pa instead of dream jar, you gives free 0.016% to banks!
am I right Ramjade brows.gif
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Hahaha...
Clap clap clap !!

Now cklimm is absolutely right
Bonescythe
post Oct 28 2015, 04:50 PM

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QUOTE(poor man @ Oct 28 2015, 03:13 PM)
today walk in cimb fd promo over counter
3-5  mth 4.1% fresh / 4.0% renew
6-11 mth 4.2% fresh fund /4.1% renew
12    mth 4.3% fresh fund / 4.2% renew
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wow..

looks like next year 4.5 also possible already
Bonescythe
post Oct 29 2015, 06:52 PM

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QUOTE(cklimm @ Oct 29 2015, 05:53 PM)
I never thought to calculate how many CASA I have, until familyfirst asked, lets see...

Ambank: Everyday SA, TrueSavers, TrueTransact
Affin Bank: Basic Savings Account
Alliance Bank: e-account
CIMB: AirAsia Savers, Basic Savings, Kwik Account
Hong Leong: Basic Savings i, Pay N Save current acc, Mach money box, Mach Dreamjar
HSBC: Basic Savings, Advance account, Advance Easigrow
Kasikorn Bank: K-Max Debit Card Acc
Kuwait Finance House: Basic Savings Acc
Maybank: Basic Savings Acc, M2u Savers
OCBC: E-smart Savers
Public Bank: Basic Savings Acc
RHB: Statment Savings Acc
SCB: Just One SA, Just One CA, Saadiq SA, Saadiq CA
UOB: Basic Savings Acc, E-account

Correction: 28 actually, including Kasikorn Bank
So far I remembered these.
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Wow u also banyak hebat ooo... you can become PB of bank acc holder.. haha

I got all of the bank also except..
Ambank affin kasikorn Kuwait ocbc hsbc

Bonescythe
post Oct 29 2015, 07:55 PM

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QUOTE(cklimm @ Oct 29 2015, 07:35 PM)
to become PB of one bank, i will have to deplete most banks, i wonder if this worth it
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then try to bePB of all bank ?

Withdraw all.. go genting.. u just need to be correct 2 time..

2, 4, 8...
8 is enuf
drool.gif drool.gif

This post has been edited by Bonescythe: Oct 29 2015, 07:56 PM
Bonescythe
post Oct 30 2015, 02:07 PM

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QUOTE(wil-i-am @ Oct 30 2015, 09:22 AM)
Saw 1/2 page of advertisement by MBSB in The Sun today title:
Mega Splendid Deals 4.50% pa
Min RM1k for 18 mths
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wow.. finally 4.5% came out faster that i expected..

18 months, means 1.5 years.. not bad..

next year will 4.5% 1 year soon
Bonescythe
post Oct 30 2015, 02:50 PM

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QUOTE(sandkoh @ Oct 30 2015, 02:15 PM)
tis one alrdy out since aug 2015!! it is gia-i same as mbb one! mbb one 1 year only laugh.gif

keep money till next year then get 4.7% tongue.gif
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Oo gia.. i see.

I can see that the competition is very intense already biggrin.gif
Bonescythe
post Oct 30 2015, 06:33 PM

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QUOTE(familyfirst @ Oct 30 2015, 03:50 PM)
I got my 4.3% for 12 mths pure FD at CIMB (conventional).  How to attach photo here?  I took a photo of my cert with my phone but Im accessing this site with my PC.

Since I dont have an account there, have to open savings with atm card and also end up with 2 credit card without annual fee and an umbrella.
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Mind telling which branch ?
Bonescythe
post Oct 31 2015, 11:22 AM

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Now i have to find a ambank
Bonescythe
post Oct 31 2015, 07:03 PM

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Hong leong MACH open everyday.
Bonescythe
post Nov 1 2015, 06:13 PM

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QUOTE(cybpsych @ Nov 1 2015, 03:59 PM)
Hong Leong Islamic Bank Term Deposit-i [ HLISB | T&Cs ]

user posted image
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Hlb.. very uncompetitive.
Chinaman memang chinaman

Ambank giv extra 0.2 for 6mths.



Bonescythe
post Nov 1 2015, 06:33 PM

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QUOTE(Ramjade @ Nov 1 2015, 06:29 PM)
That's what I meant. By them giving only 4.05%, they are getting free 0.2% from whoever who placed with them. tongue.gif
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Tats why HLB share even market down also keep going up from 13 to 14..

While ambank go from 8 to 4.xx hahaha
Bonescythe
post Nov 3 2015, 12:49 AM

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QUOTE(cklimm @ Nov 3 2015, 12:24 AM)
Behold: the best of HL
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Oh man... tat is a floater with a clock in middle ?
Bonescythe
post Nov 3 2015, 01:50 AM

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HLB really had no taste of privileged at all.. lolz
Bonescythe
post Nov 3 2015, 11:13 AM

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QUOTE(cklimm @ Nov 3 2015, 09:12 AM)
Yes, it is a clock with balloon around, with "花开富贵 (flower-blossom-prosper-rity)" on the dial plate. that bank gave it to my relative years ago, and she passed it to me without 2nd thought.
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i think ur relative give u with no thoughts at all.

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