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 Maybank eGIA-i 3.45% p.a., Rojak of SA + FD + MMF

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christ14
post Nov 8 2016, 02:27 PM

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QUOTE(AIYH @ Nov 8 2016, 02:10 PM)

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topic tracked.. tenkiu sifu ts

wonder why this isnt opened earlier lel. ayam lost out alot just sitting funds at SA mega_shok.gif
christ14
post Nov 8 2016, 09:32 PM

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QUOTE(Ramjade @ Nov 8 2016, 08:35 PM)
Maybank bankrupt. Or don't want to honor the principal = cause backlash among consumers (how many customer will not trust maybank anymore?) = cause trouble for them now and in the future  thumbup.gif

Track recoed: 6 months+ no problem.

Even some guy put 6 figure inside while waiting to TT to for his kid's tuition in US. whistling.gif
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shocking.gif mother of gawd... why i late know this bangwall.gif
christ14
post Nov 9 2016, 08:38 AM

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thanks all sifu for explaining and giving real feedback like calculations and scenarios... at least you guys are not like some others..karit knowledge and tebal kulit like on some othe sub forum lel...

just wana buka acc and my cimb got credit limit doh.gif cant top up to maybank
christ14
post Nov 9 2016, 09:11 AM

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QUOTE(vincabby @ Nov 9 2016, 08:44 AM)
not sifu la. even my rank is junior member compared to you senior member! rclxms.gif

they have their reasons not to share their knowledge. for me, i got no loss or gain telling you all this. in the end, it makes you a better handler of your money and that's great in my opinion. anyway, with your new found knowledge, hopefully you can pass it forward to everyone u know and who needs it. icon_rolleyes.gif
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lol mostly troll

and few post here and there where it really matters. good knowledge are meant to be shared. like itu unker from genx gen y gen z. surely why he gets to where he is he believe is good karma from doing all these good stuff. so u guys really my sifu hahahahah..

sure2...why benefit alone right hahaha innocent.gif
christ14
post Nov 9 2016, 09:17 AM

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im not sure about this if i have not read it or not found.. but can we open like 2-3 gia acc? for example. first one 3k. not gona do anything. 2nd one open put in 1k. 2 weeks later take out pay cc. 3rd one more or less same as 2nd ?
christ14
post Nov 9 2016, 09:31 AM

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QUOTE(AIYH @ Nov 9 2016, 09:19 AM)
Is just like efd, you place them as multiple certificates and uplift them individually as you like smile.gif

The major difference is the upliftment penalty:

eFD will penalize you for early upliftment (no interest or half interest)

GIA will give you profit according to the number of days you placed in the event you uplift less than a month smile.gif
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got it

QUOTE(vincabby @ Nov 9 2016, 09:21 AM)
ramjade should have done it before. i think it should be ok?
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heil ramjade notworthy.gif
christ14
post Nov 9 2016, 09:44 AM

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QUOTE(Ramjade @ Nov 9 2016, 09:36 AM)
Yup possible. I held 7 placement in eGIA-i before. Then another time I make placement then uplift the next day (multiple times) biggrin.gif
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lucky 7

shocking.gif heil ramjade indeed
christ14
post Nov 9 2016, 01:44 PM

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QUOTE(cybpsych @ Nov 9 2016, 01:03 PM)
^ here's my strategy in using eGIA, previously shared here

you should know how much of your fixed monthly expenditure (car/house loan, bills, give parents, etc) and payment due dates, right? so, timed your placement and uplift accordingly.

thumbup.gif
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notworthy.gif thank you kind sifu notworthy.gif

yes i know when and when to pay all the bills. thats why i want to maximise hahah.. thanks for sharing thumbsup.gif
christ14
post Nov 16 2016, 09:11 AM

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so if not a crime bila mau cuba hahaha i wan know
christ14
post Nov 18 2016, 07:35 AM

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3.55% ........
christ14
post Nov 20 2016, 10:42 PM

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QUOTE(Ramjade @ Nov 20 2016, 01:10 PM)
Nope. RM1000 x number of days/366 x 0.0355
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Should pin this too. Everyone should know how to calculate. In case searched ada keyword
christ14
post Dec 10 2016, 11:52 AM

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lol...just received chun2 1 month punya hahahahah surprise why tiba2 have something extra
christ14
post Dec 18 2016, 01:44 AM

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QUOTE(opticc @ Dec 18 2016, 01:03 AM)
how good is this ?so many keep saving in it?
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i believe most of us temporary savings only
christ14
post Dec 18 2016, 04:35 PM

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QUOTE(opticc @ Dec 18 2016, 03:12 PM)
temporary also can earn from it?
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if u read back.. got info d

some uplift next few days etc. interest calculated dailly. need sifu elaborate u more or u can just read back. many info d biggrin.gif
christ14
post Dec 23 2016, 03:14 PM

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QUOTE(nkhong @ Dec 23 2016, 03:09 PM)
Hi Guys,

I saw the gia stepup campaign rate is quite attractive so i made a placement with term 12months. Then i view my e cert, it said Profit rate: Rate as declared on maturity date.

My question is i will only know my profit rate after 12 months? and The profit will be paid on per month or on maturity?

Thanks. This is my first time make a placement to GIA.
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i think its monthly paid
christ14
post Dec 30 2016, 03:47 PM

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i just uplifted for the sake of trying hahahahahah

it grows!!!!! put it back in now hahahahah
christ14
post Dec 30 2016, 10:48 PM

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QUOTE(1tanmee @ Dec 30 2016, 05:33 PM)
I may need to compare between GiA and Maybank SA.
How much does SA gives out in interest?
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not enough tongue.gif
christ14
post Jan 1 2017, 08:41 PM

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created thread specific for this. alot been pinned and asked.

next page still ask same thing ahhahahaahah damn
christ14
post Jan 2 2017, 12:55 AM

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QUOTE(cybpsych @ Jan 1 2017, 08:53 PM)
you should see the FD thread, loaded with GIA stuffs  laugh.gif

until this thread is pinned and mods put up a reminder, ppl will keep bombarding gia questions on both threads.
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True hahaha before this started ts and u guys were there too.

Nobody will read hahaha they all just gona ask again repeatedly.

Like u guys. Slowly increasing my certs too brows.gif
christ14
post Jan 3 2017, 05:05 PM

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QUOTE(Azurika @ Jan 3 2017, 12:55 PM)
Any particular merit reasons for having like 90 certs instead of having it all in 1 or less certs ? Since you can uplift the next day with pro-rated fee.
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I loled

But since he meant his serial number already.

The merit of having lots of cert is.. for some people they would still like to have the momey in and a few of it out. For eg.

Guy A put 1 cert @ rm10k

Guy B put 5 cert amounting to 10k say 2k each cert.

Now guy B can uplift 1 cert of 2k to pay credit card maybe. Or house loan. Or prost*tute lol. While the remaining 8k still in place. On the other hand guy A if he was to pay something mid month. He would have to uplift 1 cert and whole 10k.

I guess thats what most of us are doing as per Guy B. Not sure if you have understood.

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