Wa, you guys are fast. Anyway today I did go into the MBB 12 mth 4.5% deal. 

Received 5.2% return (every 3 mths) from CIMB Callable Klibor. 

So far so good. 

I tot EPF dividend is based on monthly balance?

Ya ka?

I'm not 100% certain. Was informed verbally by the staff when I made the deposit. No real life experience as I'm not considering to withdraw my money anytime soon.

So cannot attest nor debunk.

Kena double-check.

I'll be monitoring the monthly interest given by MBB GIA-i 4.5%.

4.0% is for 6 months, gonna see if 7th month gives 4.07% and subsequent months with diff rate. would be interesting for month 11 and 12

based on calculation, it seems they are rolling every month for 12 months.

The FD that I placed in HL on 1/10 matured on 1/1/2017 ! 

Ambank 4.55% for 5 years. Exceed 4.5% with PIDM. combine with Truesavers for effective rates of >4.55%! Interest paid semi-annually if one is <50 years old and monthly if >50years old.

Thanks. After rereading it, then only I realised. but must take petrol into consideration. That's why I listed out how to plan by using it.

Interest calculated daily and credited on the 1st of every month. If want to to apply better go branch cause if apply online still need to go branch to collect debit card and fingerprint. No rm8/year fees. . Don't know how much is the limit. But you can set it yourself.

Got my Hugo Boss pen from OCBC last week in KL too (for their FD promo in July). Melaka OCBC need to wait till November.

http://www.andersonpens.com/Hugo-Boss-Clas...l-p/hsw5965.htm

Not tat competitive if compare to AmBank or Uob

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..

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.. 

Some ppl mentioned tat Putrajaya will issue sukuk next year via BNM Sukuk Simpanan Rakyat
Did anyone receive any news?

Most likely at selected Banks

Why put hlb when you can put ambank 4.6% for 2 years?

Ambank must be desperate. Giving so high interest when other banks offering 4.2% like that. Wonder other bank will follow or not.

I do have some bigger amount FD at 3-month renewal though. Longer than that might as well invest structured products and bonds.

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.