Thats very high risk esp wif crimes so rampant.

Basically this is the risk I need to consider. But this is when I don't want to wait long and "waste" money on bank drafts
The problem is, when we climb up to 1st floor(most criminals will target on this on Maybank), they will more or less knows. Since 1st floor is place to withdraw > rm6000

do you also put some in your socks since its so much money?

sounds like a good idea, because so many ppl bring along a laptop to the bank right!
and people who use an actual laptop to move $ should learn from you

This post has been edited by galaxynote259: Apr 25 2016, 02:54 PM

Thanks for sharing your thought. For me, it is too risky and it is not worthwhile to save the mere RM 5.98 of banker cheque

This post has been edited by FDInvestor: Apr 25 2016, 03:09 PM

that is just one of the idea only. i have many idea moving big cash here and there.

Yup, that's right

Don't think it is a smart idea, what if a MatRempit targeting a laptop to snatch? IBFT is only 53sen for most banks n HL & SCB offer online IBFT for free.

This post has been edited by MGM: Apr 25 2016, 06:12 PM

Let me know next time u carry a lap top bag to the bank. Hehehe !

Hopefully they may extend it beyond May.

In UOB to place new FD, 12 mth 4.3%. Was advised not to split the FD into multiple certs. UOB allowed termination of FD with blocks of 1k without affecting remainder sum. So stayed with 1 cert. Actually forgot about this as was told before on this. Fast, done within 5 minutes.

The 4.3% promo will end on 31/5, min 10k fresh fund.



This post has been edited by bbgoat: Apr 25 2016, 08:52 PM

Negotiable?

Now e Maybank GIA-i , need to select a lot of thing before able to proceed.

As far as I know, hard to nego with UOB. Only when there is no promo, then can ask for higher rate, hardly called nego. Small, small increase only. So that time I moved to another bank with promo rate.

Not the usual 5 steps?

I'm waiting for 29th before try this also, since it is 4%

Decent returns for short term

Yes, sir. i see another taikor replied after that.

Not sure if this is a good financial practice or not. I will park my net income into GIA after minus all the living expenses for short term like 2 months, once I got 10k then I hunt for FD promo

So far consistent 4%.

7 months and above yield more, at 4.5%.

Most of the time I'm splitting all my FDs, from 3 months, 6 months and 12 months. There will be always 1 FD matures every month. And recently with Maybank's promo FD, all my free funds are parked over there. Since it will be over soon, I will be trying this GIA.
Is good for me since I no need to run few banks anymore, 4.5% are quite good already, infact now most banks don't offer > 4.3%.

I will only run banks for promo rates