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 Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only

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yygo
post Mar 28 2016, 05:14 PM

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QUOTE(ljf123 @ Mar 28 2016, 05:06 PM)
went to pb today, ask for pb fd extra ~ 4.3% but fresh fund only doh.gif
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pb boleh tambah on busuh fund n get promo fd. devil.gif
yygo
post Mar 28 2016, 05:24 PM

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QUOTE(ljf123 @ Mar 28 2016, 05:19 PM)
asked them need to add how much bangwall.gif
they said: tak tau la, you ambil duit datang dulu then i pergi tanya  bangwall.gif  bangwall.gif
i said how about 1k for 200k investment, she said too little, but she doest know much much should i add to "become" fresh fund

try with hongleong last time which add 1k for over 200k investment fd which thry allowed me to do so  laugh.gif
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devil.gif depends on branch. some say 20%, some few hundred to few thousand rm. devil.gif
yygo
post Mar 29 2016, 02:08 PM

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QUOTE(Ramjade @ Mar 29 2016, 12:28 PM)
You can sell the TV + ipad mini to pocket the profit. 100% profit. Gold plated toys hard to sell. tongue.gif laugh.gif

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.
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u think so easy to sell at rm100 less than market price? bangwall.gif brows.gif tv rm800? devil.gif u hve to sell at much lower price than tat shown by u. laugh.gif
yygo
post Mar 29 2016, 05:24 PM

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QUOTE(Ramjade @ Mar 29 2016, 02:33 PM)
Trust me. People grab especially in garage sale. Some more condition is new and unused.
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u think less by rm100 pipu will buy? laugh.gif

QUOTE(HarpArtist @ Mar 29 2016, 05:19 PM)
250k personally i do not even want to bother with the hassle of selling items. i cant speak for all but i think most 250k < individuals wont want to either.
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tats mentality of a kiddo. doh.gif who want to join pb of bank, then have the hassle of selling the items later on. devil.gif
yygo
post Mar 29 2016, 06:16 PM

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QUOTE(Ramjade @ Mar 29 2016, 06:08 PM)
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.
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bruce.gif laugh.gif brows.gif brows.gif
yygo
post Mar 29 2016, 07:54 PM

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QUOTE(HarpArtist @ Mar 29 2016, 06:53 PM)
im a kiddo too, to most of you guys, i guess devil.gif

anyway besides the obvious amazing hassles and risks involved...selling items is a hit and miss thing. there is a possibility of not being able to sell. fd is a safe easy and sort of nobrainneeded investment..this tv thing totally goes against those principles laugh.gif
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the other kiddo will say otherwise. brows.gif he said selling is so simple. devil.gif
yygo
post Mar 29 2016, 10:17 PM

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QUOTE(BoomChaCha @ Mar 29 2016, 09:44 PM)

Last time I think around 3 years ago, I sold one Philips 42" LCD TV (gift from SCB) with original receipt for RM 1300.00, but market price at that time for this TV was RM 1600 in Tesco.
The buyer did not even open the box to check since the TV box was wrapped in plastic rope by the Philips factory.

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unker boom, u got to teach the kiddo the price to sell. brows.gif i personally will not buy without receipt or even from kiddo. devil.gif no receipt, difficulty to claim warranty. they always ask for receipt. devil.gif
yygo
post Mar 30 2016, 08:16 AM

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QUOTE(BoomChaCha @ Mar 29 2016, 09:44 PM)
UOB 4.5% for 1 year is still available meh..?  hmm.gif
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unker boom, i placed it yesterday. whistling.gif still avail till 31st march. whistling.gif

QUOTE(HarpArtist @ Mar 29 2016, 11:36 PM)
yes dear, i got the gist of what u are saying some posts ago.

what i am saying is i would never consider sale of items as profit as i actually have to get up and work,  to get it sold and profit realised, as opposed to getting interest into my account.

why do i say that? because instead of wasting time selling i could be working and earning much more than the sale... sweat.gif
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yup, tis is for kiddo with time to spare n some exceptions like some unker (make sure heart is ok devil.gif ). laugh.gif

QUOTE(BoomChaCha @ Mar 29 2016, 11:41 PM)
You only meet the buyer during your free time.
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get yourself excited unker! still some risk involved, unker boom! devil.gif
yygo
post Mar 30 2016, 11:13 AM

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QUOTE(BoomChaCha @ Mar 30 2016, 11:05 AM)
Thanks.. thumbsup.gif  Hopefully it is still available until 31th..
Risk is for yourself only; but not for me..  cheers.gif
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unker boom, for a hnwi why bother with the risk? u have high blood pressue, take care! devil.gif
yygo
post Mar 30 2016, 11:33 AM

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QUOTE(BoomChaCha @ Mar 30 2016, 11:22 AM)
If everybody is thinking like you, ebay close shop already.. You take care too..  smile.gif
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unker:
every man for himself

take care of your heart! devil.gif devil.gif
yygo
post Mar 30 2016, 12:49 PM

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QUOTE(Ramjade @ Mar 30 2016, 12:37 PM)
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%
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Quote:
Say promo rates is 4.2, they will give you 4.1% rclxub.gif devil.gif
yygo
post Mar 30 2016, 12:51 PM

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QUOTE(wjchay @ Mar 30 2016, 12:49 PM)
If going to uob and you don't hv existing fd account, you to queue at customer service instead of counter. Expect more ppl as the promo is ending soon.
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even if hve fd acct, still pula pergi customer service. their new sop! doh.gif
yygo
post Mar 30 2016, 12:54 PM

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QUOTE(yygo @ Mar 30 2016, 12:49 PM)
Quote:
Say promo rates is 4.2, they will give you 4.1%  rclxub.gif  devil.gif
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tun, wat say u?

QUOTE(Ramjade @ Mar 30 2016, 12:52 PM)
So they can promote their products? hmm.gif
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no such ting. no simply say say. doh.gif their sop. customer service then counter to place fd. devil.gif
yygo
post Mar 30 2016, 01:12 PM

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QUOTE(Ramjade @ Mar 30 2016, 12:37 PM)
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%
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QUOTE(yygo @ Mar 30 2016, 12:49 PM)
Quote:
Say promo rates is 4.2, they will give you 4.1%  rclxub.gif  devil.gif
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dude, read carefully. doh.gif doh.gif have problem to understand your own statements??? mad.gif mad.gif

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 yygo: Mar 30 2016, 01:14 PM
yygo
post Mar 30 2016, 01:20 PM

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QUOTE(Ramjade @ Mar 30 2016, 01:14 PM)
Isn't all banks are like that? Go customer service counter, take no, then wait your turn and then go to the counter? hmm.gif Of course priority banking different story. laugh.gif
It was in his blog. You don't need to transfer money out. Just sign some forms. You get 4.1% instead of the 4.2%
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tun, most banks just go to 1 counter to place fd. no 2 counters. ask others please. devil.gif u onli familiar with wat 1,2 or 3 banks?? tongue.gif laugh.gif

your statements are not logical and misleading. RM can give better rates, yet 4.1%. u should say board rate is lower. doh.gif

oso, captain said sometimes he get higher rate of 4.5%!!!

This post has been edited by yygo: Mar 30 2016, 01:22 PM
yygo
post Mar 30 2016, 01:38 PM

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QUOTE(Ramjade @ Mar 30 2016, 01:26 PM)
For me, personal experience HLB, SCB, Affin, cimb, maybank all take no from customer service counter first, then wait your turn to be call to the counter.

Oh, you misunderstood me. What I meant is that FD will not be renew at board rates but will be renew at say 4.1% upon maturity. Promo rates is 4.2% but RM help to get 4.1%. I think when he was offered 4.1%, he took it cause no need to go to another bank again. Not sure which post already.
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doh.gif doh.gif oh boy oh boy. taking number from counter not counted. wat about taking from a machine? u seems to have a lot to learn. uob for fd, in customer service, fill up forms etc. then go to counter to place fd. same for affin. not customer service to get no. brows.gif in 1 sec, i tot u are retxxxxx. laugh.gif

i dun think i got u wrong. it was wat your statement means. maybe it was your english. laugh.gif

u got it all wrong. doh.gif doh.gif captain got 4.5%. he was just saying if promo rate 4.2%, u may get 4.1% (for all other souls). tat is wat he was saying. how come your memory is so "super good"? brows.gif quoting from your good memory? do check out and correct me. brows.gif laugh.gif

This post has been edited by yygo: Mar 30 2016, 01:39 PM
yygo
post Mar 30 2016, 02:09 PM

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QUOTE(HarpArtist @ Mar 30 2016, 02:00 PM)
thank you. i was about to say what use is a RM who nego LOWER rates...was going to call uob and ask them what is this policy hahaha
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so i am not the onli one tat interpret his statement "wrongly". laugh.gif

poor me, have to remind him few times then he realized the issue. but still pretend pretend some more. devil.gif
yygo
post Mar 30 2016, 03:12 PM

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QUOTE(wjchay @ Mar 30 2016, 02:47 PM)
No, hlb mv.....just press for no, upstairs to counter, 10 min, done.
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tat kiddo still has lots to learn. laugh.gif
yygo
post Mar 31 2016, 12:02 PM

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QUOTE(jsflim @ Mar 31 2016, 09:23 AM)
I just tried on the MBB e-FD, I withdraw from my existing FD and place back, and it does shows the yellow icon.
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QUOTE(jsflim @ Mar 31 2016, 09:24 AM)
I don't think eFD can top up after you made placement. You need to uplift and place again. But bear in mind the promotion period is limited.
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QUOTE(jsflim @ Mar 31 2016, 09:25 AM)
look for a yellow icon beside the rate. if it's appear, means it's not entitle.
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one kind word of advice. please combine your post into one reply. rule of the forum. if not will be counted as spam. devil.gif
yygo
post Mar 31 2016, 07:13 PM

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QUOTE(sandkoh @ Mar 31 2016, 07:08 PM)
bro, u are quoting old old info.  mad.gif so much has changed this month. rhb, bsn all ended their promo earlier. maybank one people talking about 4.31% only. wake up.  bruce.gif
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surprise surprise! tat troll back alreidy?

got to use some brain instead of just quoting. old info. doh.gif devil.gif

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