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

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sandkoh
post Nov 22 2015, 12:55 PM

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QUOTE(kmarc @ Nov 22 2015, 12:24 PM)
Oh forgot, if I bring cheque, can it be mixed with the matured FD cash?
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ambank can mix and match cash and cheque for fd. some banks do not allow.
sandkoh
post Nov 22 2015, 12:56 PM

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QUOTE(wil-i-am @ Nov 22 2015, 12:30 PM)
I try yo method with some banks
Sad to said they dun allow  sad.gif
Perhaps my fund size is too small for them  sweat.gif
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captain said take out cash, go to another counter, works. or come back after lunch, go to another counter (same bank) also can work.
sandkoh
post Nov 22 2015, 01:39 PM

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QUOTE(Vincent9696 @ Nov 22 2015, 01:16 PM)
Not selling public mutual , it is more suitable high nett worth customer...
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ot. why hnwi onli?
sandkoh
post Nov 22 2015, 03:27 PM

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QUOTE(Vincent9696 @ Nov 22 2015, 02:53 PM)
I mean more suitable , because more than 300k , they gv better rate than normal FD promotion , one thing is whether the customer/investor interesting with bundle to unit thrust
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then will be 600k ut:300k fd or 1.5mil ut:300k fd.

wa, the investor must be willing to take a hit, but sc if 5% will take the gain from fd! brows.gif

you selling ut, which company?

This post has been edited by sandkoh: Nov 22 2015, 03:34 PM
sandkoh
post Nov 22 2015, 08:21 PM

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QUOTE(??!! @ Nov 22 2015, 04:52 PM)
I believe the staff have been instructed to follow strictly "fresh fund" rules  to the T.
However there are ways to work round the system..only thing is, whether the person handling it want to go thru the trouble to do it or not.

Usually successful with the branch where the cashiers are familiar with me liao.
I used to mengamuk...maybe they don't want listen to my broken tape recorder

1) if i take cash and go drink coffee and come back u want the money or not?? if yes, then u do extra work count $$ bagi saya,,, i give u back $$ , u count again...cari kerja kan??

2) U worry system catch u not follow rule...ok u give me "cash withdrawal"... I go another counter and place new fd.
If want to avoid double counting, don't give me the cash...just pass to your colleague. U worry some more, I can add/minus the amount so it shows a different sum.
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thanks for sharing your experience, interesting indeed. notworthy.gif

so can always try to convinve counter gal/guy to take matured fd as fresh fund. several techniques. thumbup.gif
sandkoh
post Nov 23 2015, 10:10 AM

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QUOTE(gsc @ Nov 23 2015, 02:20 AM)
Have you try these techniques lately (less than 2 weeks) on UOB?
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my opinion, uob is a tough nut to crack. brows.gif
sandkoh
post Nov 23 2015, 10:24 AM

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QUOTE(nbi @ Nov 23 2015, 10:13 AM)
affin bank year end deposit bonanza 2015

1 month 4.05% pa
2 month 4.10% pa
15 months 4.60% pa
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notworthy.gif

the 15 month 4.6% is veri good, better than ambank 2 yrs 4.6%. thumbup.gif
sandkoh
post Nov 23 2015, 10:42 AM

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QUOTE(Ramjade @ Nov 23 2015, 10:36 AM)
Now we are talking. thumbup.gif Better than their previous promo which have to put 6 months before putting for 1 year. The previous not attractive at all. shakehead.gif
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but hnws all $$ in asnb. no more playing fd musical chair? hmm.gif brows.gif

This post has been edited by sandkoh: Nov 23 2015, 10:43 AM
sandkoh
post Nov 23 2015, 04:23 PM

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QUOTE(nikita zuleica @ Nov 23 2015, 03:53 PM)
rhb 3 month 4.25%
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QUOTE(nikita zuleica @ Nov 23 2015, 04:00 PM)
im not sure whether it's a 4.2 or 4.25 but surely abv 4.2, just came back from the bank....... higher rate for subsequent month , step up every 3 month............

i just realized tht bank start to gv higher fd rate during last quarter of this year
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rhb 3 month fd 4.2%, for 15 month, it is a step up one. eff rate 4.4%
sandkoh
post Nov 26 2015, 01:25 PM

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QUOTE(caren91 @ Nov 26 2015, 12:52 PM)
Note 5 for savings 220k or tab 3v for 40k
Correct me if I got it wrong...
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not a good one as it is for sa. put in fd and you will not give "free money" brows.gif to bank. laugh.gif

QUOTE(Vincent9696 @ Nov 26 2015, 12:56 PM)
Maybank december FD promotion 5.5% , not sure whether is step up or how , my regular branches branch manager still havent get flyer and official promotion brochure yet , does anyone know about this info?
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bro, you are an experienced one. plse find out details first. once bitten twice shy (from you know who la) doh.gif cannot be effective rate. will be deal of the year. laugh.gif
sandkoh
post Nov 26 2015, 02:23 PM

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QUOTE(cybpsych @ Nov 26 2015, 02:14 PM)
what is 1-M FD? 1 month FD? or 1 million FD? eFD? conventional FD?

u sure you are replying correctly to the upcoming MBB FD promo (supposedly 5.5% rate) posted by Vincent9696?
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i think that guy is too quick to pull his trigger. last time came out from bath and saw 500k pidm protection. brows.gif then another case after that.

if effective rate 5% already super deal, not to say 5.5%. not likely to be pure fd if it exists. laugh.gif
sandkoh
post Nov 26 2015, 04:02 PM

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fd 5.5% or 6% maybe but the "soon" will be years ! laugh.gif brows.gif

lets talk about effective rate. dun shoot a figure and say find out later. doh.gif trigger happy! shakehead.gif
sandkoh
post Nov 26 2015, 04:25 PM

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QUOTE(Bonescythe @ Nov 26 2015, 04:18 PM)
This is the one i got.. but without earmark smile.gif
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why, you are waiting for 5% & 6%, did not put for 1 month fd or in sa? hmm.gif

also even 4.3% is lower than ocbc 4.5% 1year? hmm.gif
sandkoh
post Nov 26 2015, 04:26 PM

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QUOTE(cybpsych @ Nov 26 2015, 04:14 PM)
Hong Leong Bank: Year End Fixed Deposit Promotion [ HLB | T&Cs (EN) | T&Cs (BM) | T&Cs (CN) ]
1 Nov 2015 - 31 Dec 2015

user posted image
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tis one lose out to ocbc 4.5%. affin 15 month 4.6% is even better.
sandkoh
post Nov 26 2015, 04:32 PM

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QUOTE(cybpsych @ Nov 26 2015, 04:27 PM)
no need to state the obvious.
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why not? to let others know of the higher rate offered by other banks.
sandkoh
post Nov 26 2015, 04:48 PM

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QUOTE(cybpsych @ Nov 26 2015, 04:46 PM)
that's the purpose of post 1 and 2.
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no, we can also made comments, can't we? thats part of purpose of having a forum. for comments, for feedbacks!
sandkoh
post Nov 26 2015, 06:26 PM

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QUOTE(poor man @ Nov 26 2015, 06:07 PM)
not interest this promo ocbc...
i call banker ocbc she said only..
28th first 8 depositer rm88k
29th first 8 depositer rm88k
can get gold egg ....
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which branch, klang valley?
sandkoh
post Nov 26 2015, 06:44 PM

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QUOTE(Ramjade @ Nov 26 2015, 06:18 PM)
Chinaman bank what. Let's see how PB will react (PB is also Chinaman banK for those who don't know). PB is not so stingy compare to HL
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but for you hl & pb fd rate still not good enugh. your choice if have $$?
sandkoh
post Nov 27 2015, 07:59 AM

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QUOTE(Bonescythe @ Nov 26 2015, 10:17 PM)
Aiyah.. no need move here n there lor.. anyhow put portion of it only..
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small portion of BIG portion. bro is loaded n waiting for big fd action. better not to give too much "free monxx" to banks. brows.gif
sandkoh
post Nov 30 2015, 07:36 PM

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QUOTE(Vincent9696 @ Nov 30 2015, 07:16 PM)
Maybe tomorrow can get their 5.5 info... Hehe
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the 5.5% maybe the last step-up rate. rclxm9.gif lower than the 6% (last step-up) for the gia-i offered recently laugh.gif

it cannot be pure fd even if true, wake up, financial guru! brows.gif laugh.gif

This post has been edited by sandkoh: Nov 30 2015, 07:37 PM

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