Ha ha.. Gary.. This is quite funny..
Prudential agents are always like to chase after you.. Ha Ha..

Yes. Somebody will buy it since can save RM 100.
If with un-opened box, can give a receipt for warranty claim then can sell faster and can also sell for a better price..

I sold my brand new Medklin purifier for RM 400 (market price was around RM 550 if I remember correctly) without a receipt
given to the buyer because I misplaced the receipt.

This buyer sent her young wife to collect it from me in a shell station... But unfortunately nothing else was
happened..

Lazada is selling the cheapest Samsung 32" LED TV UA32J4003 for RM 699, if SCB is giving this same model, the I think
can resell it in between RM 500 to RM 600.

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.

Bro.. I really think some UOB staffs mislead customer to open saving account in order to make incentives.
For me, I have placed FD with UOB for about 5 years but my UOB branch has never asked me to open a saving account.

But never mind lah... you have the option to close the saving account in few months later.

UOB 4.5% for 1 year is still available meh..?

unker boom, u got to teach the kiddo the price to sell. i personally will not buy without receipt or even from kiddo. no receipt, difficulty to claim warranty. they always ask for receipt.

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.
Bro.. I really think some UOB staffs mislead customer to open saving account in order to make incentives.
For me, I have placed FD with UOB for about 5 years but my UOB branch has never asked me to open a saving account.



where you sell tv ? mudah.my? leong ?
i have free gift to sell.my free gift also no receipt....

This post has been edited by poor man: Mar 29 2016, 10:34 PM

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

Ha Ha.. If everybody is like you, mudah, lelong, lowyat trading site will close shop loh...
Some buyers will buy if can save some money even without a receipt.

I forgot already, but I think most likely it was mudah..
No receipt never mind provided the price is good...

Tomorrow I will call UOB to see if 4.5% is still available or not..

To sell faster is mudah.
Lowyat garage are mostly students and young men.
Lelong got more matured people.

Mudah & lelong are also FOC...

I hope RHB will come out with a new attractive FD promo in April..

This post has been edited by BoomChaCha: Mar 29 2016, 10:46 PM

deleted...

This post has been edited by poor man: Mar 29 2016, 11:02 PM

Ya I also don't want to argue with them, just frustrated not because of the ATM fee but because it's time consuming opening an account.
I feel the instructions to branch inconsistent too, because I was outright rejected by the teller then only I went to the personal banker to open account

Went to Puchong branch, interest payment upon maturity.

i just joined the bandwagon, too.

4.31% for 12 months is decent, considering it's convenient to do placement online.

100% can sell..
I sent you lazada and mudah links for your reference.
I am afraid the moderator will come to scold about this off topic discussion..


Oh....no.. you paid for the ATM card..?
That is very bad of the two UOB staffs...
I suspect the teller "pakat" with the personal banker to share incentives..

If I were you, I would probably to claim the ATM card money back..

When was the last time your placed your UOB FD 4.5% in Puchong??

This post has been edited by BoomChaCha: Mar 29 2016, 11:24 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

Agree, but if can provide together with an original receipt that will be perfect..and can sell faster too..

Yes...
Those free electrical gift items from FD promo were attached with one A4 size document (some thing like delivery note)
for warranty claim lah..

This post has been edited by BoomChaCha: Mar 29 2016, 11:23 PM

now fd discussion and calculation hv to incl free gifts and looks like many people getting free stuffs. retail market must be really down nowadays that banks prefer to give( unsaleable ?outdated ?)electronics rather than interest

i dunno la. for me 250k< cash and working...why would waste time, take risk(?) sell product, meet buyer and all...i rather decorate my study table with more gold ingots

This post has been edited by HarpArtist: Mar 29 2016, 11:24 PM

ya, just called them today, available in all branches

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.

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...

Oh.. Thank You..

I hope this UOB promo will available until 30th..

Oh man.. calculation? No lah..
But I can only tell you that the TV & Medklin were my extra net profits on top of FD interest

You only meet the buyer during your free time.

This post has been edited by BoomChaCha: Mar 29 2016, 11:44 PM

No sign of this on the website though, is it a "preferred customer" kind of rate? checking this out personally tomorrow.

This post has been edited by wodenus: Mar 29 2016, 11:46 PM

Sometimes Banks will not put FD promo on websites.

This UOB FD promo 4.5% for one year is for everybody, minimum RM 10K.


This post has been edited by BoomChaCha: Mar 29 2016, 11:49 PM

unker boom, i placed it yesterday. still avail till 31st march.

yup, tis is for kiddo with time to spare n some exceptions like some unker (make sure heart is ok ).

get yourself excited unker! still some risk involved, unker boom!