Did maybank ask for all kind of eform upon placement of GIA-i?
Btw, how to check the published 4% rate? There's no option showing 4%.

All banks have a target so of course they "force" you to open a SA. Some FD promo SA are optional. Some are not.

Simple. If all use efd, they cannot promote their products. Neither can they encourage people to sign up for PB. Remember banks are all able meeting target. Imagine how much commission they will lose if no one want to sign up for their products.

The only decent one that I know of is maybank GIA-i.

Can change it to bsa. Then is FOC.

You can sell the TV + ipad mini to pocket the profit. 100% profit. Gold plated toys hard to sell.

Easily can profit >rm1312.5. Ipad and TV sell slightly cheaper than market price. Sure profit.

One ipad mini 4 16gb WiFi from Apple malaysia sells for rm1599. Sell at rm1499, TV sell at about rm800, profit rm2299.

This post has been edited by Ramjade: Mar 29 2016, 12:38 PM

Trust me. People grab especially in garage sale. Some more condition is new and unused.

Ask unker goat how much to put.

You don't hang out in Garage sale much do you? I hang out, I saw with my own eyes people buying higher than normal apple price. Why do you think scalper exist? Also, some people willing to buy 2nd hand ipads.

Unker boom is a kiddo? I remember he took the FD promo with medklin air purifier and sold it off. He make quite a profit combining both interest and sales of the air purifier. He definitely have >RM250k. The last I checked, he is no kiddo.

Just sell via lowyat garage sale. FOC. No need to pay any fees.

This post has been edited by Ramjade: Mar 29 2016, 10:37 PM

People will always buy if the price is right or if they really want something. Simple supply and demand.

Certain electronic item, no receipt, still ok. Like ipad as long as box is seal, price is less than apple Malaysia, can buy cause if one knows how to use ipad, one knows how to make the ipad last min 5 years. I got mine from Apple Malaysia at RM200 off. Now Apple Malaysia cover the hole already. Stuff like air purifier, TV, better have receipt for claiming warranty. Those are stuff that can spoil.

As long as you priced your ipad cheaper than Apple Malaysia and the box is still seal, DO NOT OPEN THE BOX TO CHECK THE IPAD you will have a buyer. Give RM100 price cut, good enough. For student, RM100 is a lot unless they are the type ask money from parents.

Sorry for being OT.

Btw, unker BoomChaCha all this FD with gift like air purifier/TV, will you be given receipt for claiming warranty?

This post has been edited by Ramjade: Mar 29 2016, 11:10 PM

If interest < sales of items + interest, better take the gift and sell them like what unker boom did. By choosing the free gift and selling it, his effective interest rate shot up drastically. I remembered he showed the calculations for it. However, don't get bluff by bank like how PB try to bluff customer by giving a free Galaxy Note (not sure which version). Turn out even with the Galaxy Note, effective interest rate is lower than other banks. (if put FD same amount, still got leftovers after using interest given by banks - extra I think RM1k)

However, if interest > total sales + interest, better take FD with the higher interest.

Captain said maybank, uob are good. Unker goat said BR is good. Unker cklimm, Bonescythe any recommendation?

You can withdraw on 30th March.

Either you don't get interest or you get interest for that day. Depends on banks.

You won't get the full interest. Just half of the interest cause it's considered premature withdrawal.

This post has been edited by Ramjade: Mar 30 2016, 09:17 AM

Cut queue, people running stuff for you, opening account in SG. That's about it.

Affin. They usually have the highest FD promo rates. No queue.

HLB is chinaman bank. Stingy bank. Only recently they have good promo. Very slow.

Never been their customer. Cannot comment.

One good thing about rhb is no queue for their amanah saham counter.
Captain likes UOB cause if value is large, no need to move fund around. RM can give you good rates. Say promo rates is 4.2, they will give you 4.1%

This post has been edited by Ramjade: Mar 30 2016, 12:38 PM

Affin SA rates not competitive enough. Better rates with ambank truesavers/m2u savers/rhb bonus savers (2.5%)

Nowadays I hardly use Ambank Islamic efd. Using maybank eGIA-i now. 4% vs 3.15% is very big difference. Cannot pass up the differences.

So they can promote their products?

Any banks with any eproduct able to beat maybank GIA-i?

Not worth it when other banks offering like 4.3-4.5% that time.

You never know. Banks love to sell products. Always go maybank, they keep promoting their ASG + high FD rates for few months to me when all I looking for is topping up my amanah saham fixed price. SCB always prudential insurance.

Only affin, cimb never offer to sell me anything.