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Text of the page (random words):
ies easy forex e minis asia jupiter securities mf global powerup capital t3b system prize sponsors bella courts premium liquid assets take the oppurtunity to get some financial knowledge and freebies free cds opening when going to this exhibition i foresee some property wine equity stock market options investment around the place posted by victor ay at 3 08 am 1 comment labels 17 18 october equity stock market investment investor expo 2008 kl convention centre options property wine thursday september 4 2008 fundsupermart is here in malaysia good news the famous unit trust portal that was popular in singapore is now in malaysia too based on the website www fundsupermart com my you can buy funds from the following fund house namely affin alliance ammutual oskuob pheim prudential rhb and ta investment hopefully more will be joining the bandwagon one of the specialty of fundsupermart is the pricing their sales charges at 2 or lower besides that the company outline the following benefits 1 specialization 2 better independent research content 3 strong tools i e chart centre fund returns and fund selector 4 short transaction time 5 wide range of fund 6 long operation hours hotline 7 great service this is subjective though 8 can share your idea in the forum 9 strong ownership 10 can use epf to purchase your fund potential concern 1 you have to make your own decision on which fund to buy 2 you may not feel comfortable when putting your account in nominees trustees my take on this 1 worth to invest if you buy the idea of professionally managed unit trust at reduced charges 2 increase your knowledge based on the research report available in the website 3 chance to mingle with the like minded people via the forum hope with more competition on the sales charge rate everyone can benefit with the service this is in lieu of high inflation and possible economic recession posted by victor ay at 4 17 am 1 comment labels affin alliance ammutual fundsupermart investment oskuob pheim prudential rhb sales charge savings ta investment unit trust thursday july 10 2008 cash deposit and fixed deposit contest and campaign comparison between maybank eon rhb and hlb hi noticed now few banks are offering various incentive for people to put their money to bank perhaps that s a cheap way too raise capital than issuing bond anyway it s a boon for the consumer maybank weekly prize 2000 x 2 winners weekly consolation swatch watch x 3 winners grand prize bmw 320i x 1 winner important things to know 1 contest period from 1st march 2008 31 august 2009 2 you need to deposit 1000 savings current or 10 000 fixed deposit to qualify for 1 entry 3 contest winner is determined by matrix concept 4 weekly prize winner can only win 1 prize within a month and eligible for grand prize draw and winner have to sustain the amount throughout the campaign period and that your name has been picked as a winner based on the terms and conditions of the campaign 5 no entry form are required eon monthly price 1st prize 20 000 x 1 winner 2nd prize 5 000 x 1 winner consolation 1 000 x 100 winners grand prize 500 000 x 1 winner important things to know 1 contest period from 1 june 2008 31 january 2009 2 you need to maintain minimum monthly incremental average balance formula date of opening no of days in a month of 1000 personal or 5000 business 3 contest winner is determined by spin the ball method 4 monthly winner are eligible for grand prize if monthly balance and monthly average balance are maintained from the day the winner are announced 5 contestant are required to register their mobile phone and will received sms notification if eligible for this month contest rhb weekly prize capped to 5000 free petrol voucher x 1 winner free grocery voucher x 1 winner free electricity for 1 year x 1 winner important things to know 1 contest run from 1 july 2008 until 31 august 2008 or until a total of 200 million in maxfd deposits is received 2 deposit 10 000 in a 24 month maxfd type of fixed deposit to get 1 entry 3 the maxfd had the following rates first 6 months 3 70 p a next 7th month to 12th month 3 80 p a subsequent 13th month to 18th month 4 00 p a remaining 19th month to 24th month 4 50 p a 4 winner will be determined by random pick and short listed candidate are required to have a question and answer session 5 for early withdrawal of fd interest will be paid based on 50 of the rate contracted at the point of withdrawal for the completed months subject to the completion of 3 months from the date of placement hlb consolation prize x 48 winners grand price up to 3333 x 3 winners important things to know 1 contest run from 1 july 2008 until 30 september 2008 2 open via 500 for junior senior savings or deposit 1000 for other deposit accounts sign up for a savings multiplier plan smp to get additional 20 entries every subsequent top up of 150 entitles you to 1 entry qualified deposit accounts must also maintain a min balance of 500 till 15 th nov 2008 and the account must remain open at the point of draw 3 the incremental deposit growth will be used to calculate their daily average balance for contest entries 4 grand prize winner are required to answer 2 questions correctly to win 5 contestant must fill in the contest entry form by providing their name ic number e mail address and hand phone number all in all the contest above have various advantages and disadvantages depending how much money you have period and the contest price list of award most lucrative cash grand prize rm 500 000 by eon bank most lucrative non cash grand prize bmw 320i by maybank furthest closing date 31st january 2009 by eon bank shortest contest duration 2 months by rhb bank most attractive weekly prize rm 5000 by rhb bank most attractive prize winner rm 20000 by eon bank most number of prizes 813 prizes by eon bank most number of prizes in a month 102 pries by eon bank least amount required to participate 150 for savings multiplier plan by hlb bank strategy to maximize the contest winning 1 participate for maybank hlb for contest that closed between 31st august and 30th september 2 withdraw all the money from maybank and hlb if didn t win the contest 3 put your money by 1st day of the month to eon bank in the multiple of 1000 beginning from october 2008 till january 2009 4 pray hard that you re one of the winner posted by victor ay at 7 44 am no comments labels cash deposit contest eon hlb maybank rhb wednesday july 9 2008 giant citibank credit card worth it hi citibank had done it again after uob had partnership with carrefour via uob one card it s time for citibank to co brand with giant hypermarket currently there s promotion for applying the citibank card too you not just get 1 but 3 offers namely 1 10 purchase rebate for 1st purchase before 31st august 2008 2 1 year free waiver subsequently rm90 year 3 get olympus digital camera fe 330 at rm349 need to include rm50 for delivery charges other key features 1 2 rebate on purchases made at giant malaysia 2 get up to 1 rebate on spending outside giant stores except fuel 3 purchase with purchase programs 4 members only items something you might want to consider terms and condition 1 rebate may not apply for all purchase especially fuel 2 maximum rebate of rm50 are available for 1st purchase 3 existing citibank card holder need to convert to giant citbank card to enjoy these offer you cannot carry forward your point to this card 4 the rebate you get for the 1st time purchase are in the form of voucher delivered via your monthly statement up to 8 weeks and need to be used by 31st august 2008 no spending amount rm number of voucher in rm5 denomination each 1 50 99 1 2 100 149 2 3 150 199 3 4 200 249 4 5 250 299 5 6 300 349 6 7 350 399 7 8 400 449 8 9 450 499 9 10 500 and above 10 5 2 rebate exclude purchase from cold storage and guardian shop in conclusion the offer is not as rewarding as other co brand credit card in the market some credit card can offer up to 1 5 for utility payment and 5 for fuel unless you need to buy the olympus camera or spending a lot on giant hypermarket you re better of trying with uob one rebate starting from rm4 with minimum purchase of rm100 and above per rm50 transaction for list of merchant check it out here posted by victor ay at 3 27 am no comments labels citibank credit card giant rebate tuesday july 8 2008 credit card tiered interest rates and its implication on calculation of outsanding balance do you know that beginning july 2008 there s some changes towards your interest rates in your credit card according to bnm directive issued last year you ll be offered a better credit interest if you re a good paymaster the purpose of this was to promote prudent financial management and inculcate good financial discipline among credit card users in malaysia according to bnm on average one third of credit cardholders use their credit cards as a payment instrument settling their credit card outstanding amount in full every month more than half of cardholders pay at least the minimum amount due promptly and roll over the remaining balance for the benefit of credit card users who have a good track record of settling their credit card balances which are due each month promptly for 12 consecutive months the finance charge will be reduced from the maximum of 18 per annum to not more than 15 per annum the ceiling rate of 18 per annum will still be applicable for other cardholders the rate are as follows 1 with prompt minimum repayment for 12 months within 12 consecutive months you will enjoy 15 per annum of the total outstanding balance from the 13th month 2 with prompt minimum repayment for 10 months and more within the last 12 consecutive months you will enjoy 17 per annum of the total outstanding balance from the 13th month 3 credit cardholders who do not meet the above criteria you will be charged 18 per annum of the total outstanding balance in addition with the introduction of the tiered interest rates the following fees will apply 1 late payment fees minimum of rm10 or 1 of total outstanding balance as at statement date whichever is higher capped to a maximum of rm100 2 interest free period for retail transactions a 20 days interest free period on all retail transactions provided all outstanding balances of the previous month as per the monthly statement are fully settled 3 where the interest free period is not applicable finance charges as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted note retail transactions exclude cash advance balance transfer and any other credit plans that meant you ll won t be enjoying any 20 days interest free period for your current purchases if you have previous outstanding balance in addition late payment fees have been increased from min rm5 to rm10 or 1 whichever is higher really a blow to consumer if you forgot late in paying your credit card to further understand this implication here are some illustration illustration 1 cardholder a has an outstanding balance of rm1 500 00 at the end of february 2007 and only repaid a sum of rm500 00 cardholder a s march 2007 card statement reflects the balance of rm1 000 00 rolled over from february 2007 any card transaction performed by cardholder a in the month for march 2007 will not enjoy the benefit of the interest free period illustration 2 cardholder b has an outstanding balance in his card account for september 2007 but settles all outstanding balances in october 2007 cardholder b s november 2007 card statement shows no outstanding balance carried forward subsequently cardholder b maintains an outstanding balance for november 2007 and repays in full in december 2007 cardholder b s january 2008 card statement shows no outstanding balance carried forward cardholder b enjoys interest free period for all card transactions performed in november 2007 and january 2008 posted by victor ay at 2 04 am no comments labels credit card tiered interest rates monday july 7 2008 7 swipes gets you a return trip to singapore do you know that you can fly for free to singapore by swiping credit card that easy hsbc credit card is offering that for those not on existing card holder benefits of taking jetstar to singapore 1 free checkin luggage limit of 20kg 2 flight departure from klia 3 ability to select seat at no extra charge how to get free ticket 1 register 1st using sms to 33733 2 start swiping for 7 times 3 get reservation code via sms 4 login to http www jetstar com specials hsbc 5 choose preferred departure and arrival date only can book one at a time 6 decide on the time and accept the terms and condition 7 fill in passenger information and preferred seats 8 fill in the voucher code 9 use hsbc credit card to pay fuel surcharge airport tax and admin fee all bookings are non refundable and non changeable terms and condition 1 booked by 30th september 2008 2 travel by 29th march 2009 3 ticket redeemed for jetstar kl singapore kl flight 4 seat subject to availability 5 travel voucher non transferable for cash nor accumulated 6 limit to 1 passenger per travel voucher only 7 no refund will be entertained should passengers fail to key in the voucher provided 8 fuel surcharge airport tax and admin fee bared by the card holders when booking the flight 9 for new card holder of hsbc offer only for 1st 10000 approved hsbc primary card holder 10 for 7 swipes the cutoff period is 11 59pm 31st august 2008 or limit of 30000 tickets free flights whichever is earlier 11 your confirmation code will be received within 3 weeks from your 7th swipe posted by victor ay at 1 37 am no comments labels 7 swipes credit card hsbc singapore sunday july 6 2008 5 cash rebates on petrol using rhb travel money credit card in times of high fuel price and high inflation any discount and rebates are welcomed today i would like to share with you a discount that i ve come across it s from rhb travel money credit card you can get the application form here the benefits terms of this discount 1 rebates of 5 irregardless of which fuel brand 2 earn up to rm60 rebates per month can pump up to rm1200 worth of fuel for both primary and supplemental card holders 3 promotion until 31st august for 5 subsequently revert to 2 1st september 2008 to 31st december 2008 4 all rebates are non transferable or exchangeable for cash 5 all rebates afforded to the cardmember for transactions made under the rebate programme are in lieu of air miles reward points usually associated with the card unless stated otherwise so no air miles accumulation for fuel purchase 6 rebates be paid on the next statement date to find out further please checik it out here posted by victor ay at 1 02 am no comments labels discount travel money older posts home subscribe to posts atom blog archive 2008 10 september 2 investor expo 2008 is on 17 18 october 2008 fundsupermart is here in malaysia july 8 about me victor ay hi i m a analyst working in an it subsidiary of a lala c...