Lowyat.NET: Latest topics by b00n

Lets Talk Salary! v3

b00n — Thu, 24 Sep 2009 09:27:20 +0800

Previous topic:
http://forum.lowyat.net/topic/559523

It would be nice if everyone follows this following example:-

Job Title : Video Butcher
Job Desciption : Video Editing
Years spent in company : 3+
Company : Local post house
Industry : Media / Communications
Tenure : permanent
Employment Level : not sure. exec i guess since i'm dept. head.
Experience before joining : freelance / internship with same co. (1 1/2 yrs)
salary : RM 3k+

Wangsa Maju Section 1 2&1/2 storey for rent

b00n — Sat, 09 May 2009 12:32:11 +0800

Desa Andaman Section 1 Wangsa Maju (Near Alpha Angle - Jusco Section 1)
2 & 1/2 storey terrace house
Gated and guarded community
Spacious with 4 rooms + 3 baths
Top floor had been converted into a room so additional 1 room - total 5 rooms.
5 minutes walk to Wangsa Maju LRT.
Pasar Malam at door step every Monday night

Rental - RM1600
Availability - August 2009
Reason - Moving out and doing a favour to the owner in helping him post this ad.
Contact: PM me or 016-862 9695

[WTAsk] About RHB Debit

b00n — Mon, 27 Apr 2009 21:44:30 +0800

QUOTE(Vincent_A8fm @ Apr 27 2009, 08:15 PM)

» Click to show Spoiler - click again to hide... «

[right][snapback]25462677[/snapback][/right]

I shall move your post over to the existing Debit Card topic: http://forum.lowyat.net/topic/457588

And yes, every time one pumps petrol; there's a "limit" they would reserve. It's being discussed over in the above said topic before.
Also, you are free to report the case to BNM.

MBA or EMBA

b00n — Mon, 20 Apr 2009 00:21:07 +0800

QUOTE(carfield @ Apr 19 2009, 08:08 PM)

Dear All,

Anyone can tell what is the difference between MBA and EMBA? there are too many term in the market now, MBA, EMBA, MBA (Executive) etc...is this any difference between each other? which one will be more marketable?

Pls advise.

Thanks~~
[right][snapback]25253524[/snapback][/right]

I shall move your post here:
http://forum.lowyat.net/topic/380355/+900
An existing topic in Education Essentials talking about MBA. You can also read through the topic for your own infor.

This topic is closed.

Income tax 2008

b00n — Thu, 16 Apr 2009 15:21:00 +0800

QUOTE(ychwang @ Apr 16 2009, 02:58 PM)

Hi, i would like to know
let said i borrow study loan for year 2006, and i'm paying installment every month for the installment year 2008.

Can my isntallment amount put under income tax 2008 education relief/rebeate?
[right][snapback]25174613[/snapback][/right]

You post would be moved here: http://forum.lowyat.net/topic/871938

Credit Card Thread V6

b00n — Wed, 04 Mar 2009 00:53:24 +0800

Version 6:

One good site to add from http://www.bankinginfo.com.my
KNOWING YOUR CARDS (pls spend some time reading it up, especially for first time card user)

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

1. Annual fee matters

No need to request for waiver
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM5,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - swipe 3x any amount even few ringgit also can at robinson from month on card expiry not following year basis (http://www.ocbc.com.my/personal-banking/Ca...Privileges.shtm)
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

2. Tap and Go - no signature required matters

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

Paypass limited to RM120
Visa Wave limit should be RM150

3. Credit Card linked to Petrol Giants

BHP-UOB
Shell-Citibank
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.

4. Standard financial charge (interest rate)

Retails purchases: ~~18% p.a or 1.5% p.m~~ from statement date upon paying the minimum amount.

*Malaysia had adopted tiered pricing interest rate: BNM Press Statement

Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

5. Complementary Cards

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM250K effective 1st April 2009
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

6. Amex - Charge card
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.

Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB.

7. International Transactions
Mastercard and Visa charges a surcharge on top of the exchange rate. The banks also choose to charge an additional administration charge on top of that

Maybank: 0.5% -->verified by Hye

CIMB/DA: DA - 1% (starting April 2009 - by hye)

Hong Leong: 1%

PBB: 1.25% (thanks to the link by prasys)

QUOTE

Transactions incurred will be converted to Ringgit Malaysia using US$ as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.

http://www.pbebank.com/en/en_content/perso...ates/cards.html

Citibank: 1% --> verified by tinkerbel

HSBC: 1% --> HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee. (contribution by Tinkerbel)

EON: 2%

UOB: 1%

Standard Chartered: 1%

AMEX card: 2.5% (Item 13.5 of the T&C)

OCBC bank: (provided by kei18kun)
overseas transaction 1%
http://www.ocbc.com.my/personal-banking/Ca....shtm?bcid=M5_1

Credit Card Cancellation Letter

[Your name]
[Your address]
[Date]

Dear Sir or Madam:

Please let this letter serve as notice that I am terminating my credit card account effective immediately. Please close the following account:

Credit Card Company: ____________
Account Number: ________________

Please send me written confirmation that my account has been closed. Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request.

Thank you for your prompt attention to this matter.

Sincerely,
[Your Signature]

Cash Advance fees
5% of cash amount (min RM20), and
18% p.a. daily interest
(N/A for Ready Cash)
[from Citibank]

Cash Advance Fee :
The cash advance fee is charged
to any withdrawal of cash made.
This is imposed for each cash
advance transaction.
5% or RM20, whichever is higher.
[From UOB bank]

Cash Advance Commission/Fee*
VISA/Mastercard (Both Classic and Gold)

Flat rate of 5.00% of the total amount of cash advance
Min: RM10
[From Maybank]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[ From Direct Access]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[From CIMB]

Cash Advance fees
} The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
} For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
} For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge
[HSBC]

Cash Advance Fees/Casino Chip Fees
The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.
[From OCBC]

Credit Card V2 Thread
Credit Card V3 Thread
Credit Card V4 Thread
Credit Card V5 Thread

Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines. (Courtesy of tishaban) (thanks awaynoway for the updated link))

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

QUOTE

The Financial Mediation Bureau (FMB) is an independent body set up to help settle disputes between you and your financial services providers who are its members..

The FMB provides you with free, fast, convenient and efficient avenue to refer your disputes for resolution as an alternative to the courts. These disputes may be Banking/Financial related as well as Insurance and Takaful related .

Other Links By Users:
Quite informative blog with links provided by Gen-X:
http://creditcardsmalaysia.blogspot.com/20...rds-cc-101.html

QUOTE(GHz @ Mar 15 2009, 12:23 AM)

If you are really interested in cash back credit card you may want to take a look this analysis of cash back credit card
[right][snapback]24354986[/snapback][/right]

Disclaimer: If there's anything one wants to update on this first page or if there's any information wrong, pls PM me and I'll update if it's relevant.

Code to add as 1st page: (click the spoiler, than copy and paste)

» Click to show Spoiler - click again to hide... «

CODE

One good site to add from [url=http://www.bankinginfo.com.my]http://www.bankinginfo.com.my[/url]
[u][size=7][b][url=http://www.bankinginfo.com.my/02_know_your_products/0203_knowing_your_cards/overview.php]KNOWING YOUR CARDS[/url][/b][/size][/u] [i](pls spend some time reading it up, especially for first time card user)[/i]

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

[b]1. Annual fee matters[/b]

[u]No need to request for waiver[/u]
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM5,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - swipe 3x any amount even few ringgit also can at robinson from month on card expiry not following year basis ([URL=http://www.ocbc.com.my/personal-banking/Cards/Robinsons%20Privileges.shtm]http://www.ocbc.com.my/personal-banking/Cards/Robinsons%20Privileges.shtm[/URL])
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

[b]2. Tap and Go - no signature required matters[/b]

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

Paypass limited to[b] RM120[/b]
Visa Wave limit should be[b] RM150[/b]

[b]3. Credit Card linked to Petrol Giants[/b]

BHP-UOB
Shell-Citibank
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.

[b]4. Standard financial charge (interest rate)[/b]

Retails purchases: [s]18% p.a or 1.5% p.m[/s] from statement date upon paying the minimum amount.
[list][color=red][b]*Malaysia had adopted tiered pricing interest rate: [url=http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=1467]BNM Press Statement[/url][/b][/color]
18% p.a. (now, most bank had adopted 17.5% p.a. starting Apr 09)
17% p.a. (now, most bank had adopted 16% p.a. starting Apr 09)
15% p.a. (now, most bank had adopted 13.5% p.a. starting Apr 09)
[/list]
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

[b]5. Complementary Cards[/b]

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM250K effective 1st April 2009
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

[b]6. Amex - Charge card[/b]
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.

Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB.

[b]7. International Transactions[/b]
Mastercard and Visa charges a surcharge on top of the exchange rate. The banks also choose to charge an additional administration charge on top of that

Maybank: 0.5% -->verified by Hye

CIMB/DA: DA - 1% (starting April 2009 - by hye)

Hong Leong: 1%

PBB: 1.25% ([i]thanks to the link by prasys[/i])
[quote]Transactions incurred will be converted to Ringgit Malaysia using US$ as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.[/quote]
[url=http://www.pbebank.com/en/en_content/personal/rates/cards.html]http://www.pbebank.com/en/en_content/perso...ates/cards.html[/url]

Citibank: 1% --> verified by tinkerbel

HSBC: 1% --> HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee. (contribution by Tinkerbel)

EON: 2%

UOB: 1%

Standard Chartered: 1%

AMEX card: 2.5% (Item 13.5 of the T&C)

OCBC bank: (provided by kei18kun)
overseas transaction 1%
http://www.ocbc.com.my/personal-banking/Cards/MY_cards_overview.shtm?bcid=M5_1

[size=7][b]Credit Card Cancellation Letter[/b][/size]

[Your name]
[Your address]
[Date]

Dear Sir or Madam:

Please let this letter serve as notice that I am terminating my credit card account effective immediately. Please close the following account:

Credit Card Company: ____________
Account Number: ________________

Please send me written confirmation that my account has been closed. Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request.

Thank you for your prompt attention to this matter.

Sincerely,
[Your Signature]

[color=red][b]Cash Advance fees[/b][/color]
5% of cash amount (min RM20), and
18% p.a. daily interest
(N/A for Ready Cash)
[b][from Citibank][/b]

Cash Advance Fee :
The cash advance fee is charged
to any withdrawal of cash made.
This is imposed for each cash
advance transaction.
5% or RM20, whichever is higher.
[b][From UOB bank][/b]

Cash Advance Commission/Fee*
VISA/Mastercard (Both Classic and Gold)

Flat rate of 5.00% of the total amount of cash advance
Min: RM10
[b][From Maybank][/b]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[b][ From Direct Access][/b]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[b][From CIMB][/b]

Cash Advance fees
} The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
} For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
} For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge
[b][HSBC][/b]

Cash Advance Fees/Casino Chip Fees
The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.
[b][From OCBC][/b]

[url=http://forum.lowyat.net/topic/594906]Credit Card V2 Thread[/url]
[url=http://forum.lowyat.net/topic/691229]Credit Card V3 Thread[/url]
[url=http://forum.lowyat.net/topic/741933]Credit Card V4 Thread[/url]
[url=http://forum.lowyat.net/topic/842676]Credit Card V5 Thread[/url]

[b]Useful information[/b]
[url=http://www.bnm.gov.my/files/publication/ar/en/2003/cp04_005_whitebox_banking.pdf]BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines.[/url] [i](Courtesy of tishaban)[/i] (thanks awaynoway for the updated link))

Credit information:
CCRIS: [url=http://creditbureau.bnm.gov.my/]http://creditbureau.bnm.gov.my/[/url]
CTOS: [url=http://www.ctos.com.my/]http://www.ctos.com.my/[/url]
BRIS: [url=http://bris.com.my/index.html]http://bris.com.my/index.html[/url]

[b]FMB - Financial Mediation Bureau[/b]
[url=http://www.fmb.org.my/index.htm]http://www.fmb.org.my/index.htm[/url]
[quote]The Financial Mediation Bureau (FMB) is an independent body set up to help settle disputes between you and your financial services providers who are its members..

The FMB provides you with free, fast, convenient and efficient avenue to refer your disputes for resolution as an alternative to the courts. These disputes may be Banking/Financial related as well as Insurance and Takaful related .[/quote]

[b]Other Links By Users:[/b]
Quite informative blog with links provided by [url=http://forum.lowyat.net/index.php?showuser=11316]Gen-X[/url]:
[url=http://creditcardsmalaysia.blogspot.com/2009/02/introduction-to-credit-cards-cc-101.html]http://creditcardsmalaysia.blogspot.com/20...rds-cc-101.html[/url]
[quote=GHz,Mar 15 2009, 12:23 AM]
If you are really interested in cash back credit card you may want to take a look this [url=http://1-million-dollar.blogspot.com/2009/03/analysis-of-cash-rebate-credit-cards-in.html]analysis of cash back credit card[/url]
[right][snapback]24354986[/snapback][/right]
[/quote]

[i]Disclaimer: If there's anything one wants to update on this first page or if there's any information wrong, pls PM me and I'll update if it's relevant.[/i]

Economic Downturn...

b00n — Mon, 23 Feb 2009 13:56:59 +0800

QUOTE(xuzen @ Feb 23 2009, 01:47 PM)

I' ll start. I have since end of last year:

i) Cancel all my supplementary Astro line, only maintaining the main line.

ii) Cancel 5 of my credit cards, maintaining just two which was issue by the bank I use.

iii) Switch to RON 92 petrol for my car.

What you done?

I wish to see this thread serve as a repository of wise ways to improve ones' finances.

Mod, is this ok?

Xuzen
[right][snapback]23909046[/snapback][/right]

I'll move this to http://forum.lowyat.net/topic/368156 an existing topic on Financial Management.
It's better suit there and to have it grow.

WTA how much insurance pack cost

b00n — Wed, 11 Mar 2009 23:17:55 +0800

QUOTE(untouchable @ Jan 10 2009, 11:18 PM)

hi i dunno if im at the right sub forum

pls do move if im wrong

lets say i wanna take

life insurance
36 critical illness insurance
personal accident
health and medical insurance

how much is the annual premium???

dun have to be underwriter specific, jus average can aredi

or u can share wat insurance u have and how much you are paying and ammount insured

i would like to know the average ammount, cant seem to find this in other threads,it would be good to have a number of ppl contribute to this section to have a general overview

thanks
[right][snapback]22885303[/snapback][/right]

We have too much insurance topic around. SO I shall proceed to move your post here: http://forum.lowyat.net/topic/376228/+360 for easier consolidation.

INTRODUCTION OF TOPIC TAGS

b00n — Fri, 09 Jan 2009 09:29:23 +0800

Before this we would have to thank http://forum.lowyat.net/user/EDK and http://forum.lowyat.net/user/suiteng who have gave the idea thus giving birth to it this property talk section back in 2007. (sheeesshh....sounds so lewd )
http://forum.lowyat.net/topic/407861

Anyway, for the new 2009 year; suiteng had another suggestion on tagging the topics.
RBR had taken the liberty to create a few tags for us:

Investment - Topics in regards to buying properties for investment purposes
Household - Household matters, appliance, furnitures etc..
Renovations - Renovation matters
Financial - More towards loan discussion, planning on acquiring a new home etc financial advise...

Pls all posters creating new topics uses this tagging for easier reference and filtering.

THANK YOU!

Bird Houses in Bali

b00n — Sun, 04 Jan 2009 12:34:06 +0800

QUOTE(ketutpaper @ Jan 4 2009, 12:09 PM)

Hi Every body,

My name is Ketut. I have joust bought a bird house in Bali, and already partners in one house in Banyuwangi, in East Java...just wondering are there any other bird house owners with house in Bali? My house is in Lovina, and am beginning big renovation on old house I just bought.
So far it is not so fun yet , and expensive...if anyone here raising walet in Bali please say hi! Ketut
[right][snapback]22697071[/snapback][/right]

There is already an existing swiflet farming topic over here: http://forum.lowyat.net/topic/431781/+1940

So I'll move your post there.

UOB CC Holders come on in..~~~

b00n — Wed, 17 Dec 2008 17:09:57 +0800

QUOTE(pingping86 @ Dec 17 2008, 05:05 PM)

Hi all...
Last month i got my UOB the ONE and VOX card...
Last week theres a guy from UOB callin me for the insurance and i reject the insurance...
This morning, i got 2letters from a company ???-Asia claiming that the insurance coverage for my CC...
Wat is all this happening???

Is there anyone aso have the same experience???
[right][snapback]22249946[/snapback][/right]

I'll move your post over to the pinned topic: http://forum.lowyat.net/topic/842676

Credit Card Thread V5

b00n — Wed, 05 Nov 2008 22:15:31 +0800

Version 5:

One good site to add from http://www.bankinginfo.com.my
KNOWING YOUR CARDS (pls spend some time reading it up, especially for first time card user)

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

1. Annual fee matters

No need to request for waiver
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

2. Tap and Go - no signature required matters

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

Paypass limited to RM120
Visa Wave limit should be RM150

3. Important Notice for CIMB and CIMB DA card holders

New CIMB i-pay.plan

4. Credit Card linked to Petrol Giants

BHP-UOB
Shell-Citibank
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.

5. Standard financial charge (interest rate)

Retails purchases: 18% p.a or 1.5% p.m from statement date upon paying the minimum amount.
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

*Malaysia had adopted tiered pricing interest rate: BNM Press Statement

6. Complementary Cards

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM200k
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

7. Amex - Charge card
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.

Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB.

8. International Transactions
Mastercard and Visa charges a surcharge on top of the exchange rate. The banks also choose to charge an additional administration charge on top of that

Maybank: 0.5% -->verified by Hye

CIMB/DA: DA - 1% (starting April 2009 - by hye)

Hong Leong: 1%

PBB: 1.25% (thanks to the link by prasys)

QUOTE

http://www.pbebank.com/en/en_content/perso...ates/cards.html

Citibank: 1% --> verified by tinkerbel

HSBC: 1% --> HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee. (contribution by Tinkerbel)

EON: 2%

UOB: NIL

Standard Chartered: 1%

AMEX card: 1.5% charge + 0.5% (provided by Hye)
: an additional 2.5% (provided by tinkerbel)

Credit Card Cancellation Letter

[Your name]
[Your address]
[Date]

Dear Sir or Madam:

Please let this letter serve as notice that I am terminating my credit card account effective immediately. Please close the following account:

Credit Card Company: ____________
Account Number: ________________

Please send me written confirmation that my account has been closed. Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request.

Thank you for your prompt attention to this matter.

Sincerely,
[Your Signature]

Cash Advance fees
5% of cash amount (min RM20), and
18% p.a. daily interest
(N/A for Ready Cash)
[from Citibank]

Cash Advance Fee :
The cash advance fee is charged
to any withdrawal of cash made.
This is imposed for each cash
advance transaction.
5% or RM20, whichever is higher.
[From UOB bank]

Cash Advance Commission/Fee*
VISA/Mastercard (Both Classic and Gold)

Flat rate of 5.00% of the total amount of cash advance
Min: RM10
[From Maybank]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[ From Direct Access]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[From CIMB]

Cash Advance fees
} The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
} For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
} For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge
[HSBC]

Cash Advance Fees/Casino Chip Fees
The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.
[From OCBC]

Credit Card V2 Thread
Credit Card V3 Thread
Credit Card V4 Thread

Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines. (Courtesy of tishaban) (thanks awaynoway for the updated link))

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

QUOTE

Disclaimer: If there's anything one wants to update on this first page or if there's any information wrong, pls PM me and I'll update if it's relevant.

Code for easier copy-paste into first post when starting new topic. Click on spoiler and copy the codes

» Click to show Spoiler - click again to hide... «

CODE

One good site to add from [url=http://www.bankinginfo.com.my]http://www.bankinginfo.com.my[/url]
[u][size=7][b][url=http://www.bankinginfo.com.my/02_know_your_products/0203_knowing_your_cards/overview.php]KNOWING YOUR CARDS[/url][/b][/size][/u] [i](pls spend some time reading it up, especially for first time card user)[/i]

1. Visa
2. Mastercard.
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. Etc.

[b]1. Annual fee matters[/b]

[u]No need to request for waiver[/u]
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate.
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM3,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - got to spend RM8K/year inclusive of minimum RM1K at Robinson
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

[b]2. Tap and Go - no signature required matters[/b]

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA
Visa payWave - MBB Petronas

Paypass limited to[b] RM120[/b]
Visa Wave limit should be[b] RM150[/b]

[b]3. Important Notice for CIMB and CIMB DA card holders[/b]

[url=http://www.directaccess.com.my/pdf/I.pay%20Plan(E-11Mar).pdf]New CIMB i-pay.plan[/url]

[b]4. Credit Card linked to Petrol Giants[/b]

BHP-UOB
Shell-Citibank
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Petronas-MBB Visa Gold with payWave (free for life with no conditions)
Petronas-CIMB Mastercard Gold (free for life)
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly*.

[b]5. Standard financial charge (interest rate)[/b]

Retails purchases: 18% p.a or 1.5% p.m from statement date upon paying the minimum amount.
Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.
[color=red]
[b]*Malaysia had adopted tiered pricing interest rate: [url=http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=1467]BNM Press Statement[/url][/b][/color]

[b]6. Complementary Cards[/b]

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM200k
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

[b]7. Amex - Charge card[/b]
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.

Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB.

[b]8. International Transactions[/b]
Mastercard and Visa charges a surcharge on top of the exchange rate. The banks also choose to charge an additional administration charge on top of that

Maybank: 0.5% -->verified by Hye

CIMB/DA: DA - 1% (starting April 2009 - by hye)

Hong Leong: 1%

PBB: 1.25% ([i]thanks to the link by prasys[/i])
[quote]Transactions incurred will be converted to Ringgit Malaysia using US$ as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.[/quote]
[url=http://www.pbebank.com/en/en_content/personal/rates/cards.html]http://www.pbebank.com/en/en_content/perso...ates/cards.html[/url]

Citibank: 1% --> verified by tinkerbel

HSBC: 1% --> HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee. (contribution by Tinkerbel)

EON: 2%

UOB: NIL

Standard Chartered: 1%

AMEX card: 1.5% charge + 0.5% (provided by Hye)
: an additional 2.5% (provided by tinkerbel)

[size=7][b]Credit Card Cancellation Letter[/b][/size]

[Your name]
[Your address]
[Date]

Dear Sir or Madam:

Please let this letter serve as notice that I am terminating my credit card account effective immediately. Please close the following account:

Credit Card Company: ____________
Account Number: ________________

Please send me written confirmation that my account has been closed. Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request.

Thank you for your prompt attention to this matter.

Sincerely,
[Your Signature]

[color=red][b]Cash Advance fees[/b][/color]
5% of cash amount (min RM20), and
18% p.a. daily interest
(N/A for Ready Cash)
[b][from Citibank][/b]

Cash Advance Fee :
The cash advance fee is charged
to any withdrawal of cash made.
This is imposed for each cash
advance transaction.
5% or RM20, whichever is higher.
[b][From UOB bank][/b]

Cash Advance Commission/Fee*
VISA/Mastercard (Both Classic and Gold)

Flat rate of 5.00% of the total amount of cash advance
Min: RM10
[b][From Maybank][/b]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[b][ From Direct Access][/b]

Cash Advance Fee
5% of the amount drawn, subject to a minimum of RM15, whichever is higher.
[b][From CIMB][/b]

Cash Advance fees
} The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
} For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
} For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge
[b][HSBC][/b]

Cash Advance Fees/Casino Chip Fees
The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.
[b][From OCBC][/b]

[url=http://forum.lowyat.net/topic/594906]Credit Card V2 Thread[/url]
[url=http://forum.lowyat.net/topic/691229]Credit Card V3 Thread[/url]
[url=http://forum.lowyat.net/topic/741933]Credit Card V4 Thread[/url]

[b]Useful information[/b]
[url=http://www.bnm.gov.my/files/publication/ar/en/2003/cp04_005_whitebox_banking.pdf]BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines.[/url] [i](Courtesy of tishaban)[/i] (thanks awaynoway for the updated link))

Credit information:
CCRIS: [url=http://creditbureau.bnm.gov.my/]http://creditbureau.bnm.gov.my/[/url]
CTOS: [url=http://www.ctos.com.my/]http://www.ctos.com.my/[/url]
BRIS: [url=http://bris.com.my/index.html]http://bris.com.my/index.html[/url]

[b]FMB - Financial Mediation Bureau[/b]
[url=http://www.fmb.org.my/index.htm]http://www.fmb.org.my/index.htm[/url]
[quote]The Financial Mediation Bureau (FMB) is an independent body set up to help settle disputes between you and your financial services providers who are its members..

The FMB provides you with free, fast, convenient and efficient avenue to refer your disputes for resolution as an alternative to the courts. These disputes may be Banking/Financial related as well as Insurance and Takaful related .[/quote]

[i]Disclaimer: If there's anything one wants to update on this first page or if there's any information wrong, pls PM me and I'll update if it's relevant.[/i]

Citibank Cash Back Credit Card

b00n — Wed, 05 Nov 2008 23:35:46 +0800

QUOTE(goolie @ Nov 5 2008, 11:34 PM)

I know citibank cash back credit card but still unclear about the rewards system that offered..actually if you have no carried forward balance then u only get 0.2% rebated...while if you have rm101-4000 carried forward balance, then you can get 0.5% rebate, >rm4000 carried forward balance will entitled to get 1% cash back..>8k will get 2% cash back..

Yet.i have confused with another tier system which provides 0.4%, 1% and 2% cash back...if you have carried forward balance with <rm2000 then will get 0.4% rebate, rm2000-rm5000 will get 1%, >rm5000 carried forward balance will get 2%...

May i know why got such different? for my case, i always pay off outstanding balance every month, so wil get 0.4%...why no 0.2%? how they divide both system?
[right][snapback]21187438[/snapback][/right]

You can always ask your question in the pinned thread:
http://forum.lowyat.net/topic/837084

Post moved and thread closed!

Question regarding mutual fund

b00n — Fri, 31 Oct 2008 22:38:53 +0800

QUOTE(fral @ Oct 31 2008, 10:23 PM)

hi guys.. new to this discussion I have a question regarding mutual fund. I hope any sifoos can give me a hand, and share your expertise.

From my knowledge, usually we invest in mutual fund for 2 main purposes: income or growth, or both. Say I hold some units in a fund, for capital growth. Does it mean that I hope to gain based on the price of the fund? For example I bought a CIMB fund for 0.23 per unit, so I hope in a few years, THE PRICE OF THE FUND will appreciate so I can resell it?

One more thing, do ALL fund give dividend?
Thank you for yr assistance.
[right][snapback]21061861[/snapback][/right]

You may continue posting over here:
http://forum.lowyat.net/topic/690951 (the pinned thread about Fund Investment)

IE7 - Problem

b00n — Tue, 22 Jan 2008 20:14:18 +0800

I seem to have this problem:
Whenever I start IE7 and keying address into the address bar and press enter it comes up with this message:
The requested lookup key was not found in any active activation context.
[attachmentid=384890]
However, if I type in google which I've put as default pages and connect from there, it's fine.
No problem with Firefox, thank God I use Firefox.

Anybody want to help with this problem?

Restrict accounts from same IP

b00n — Tue, 08 Jan 2008 11:35:59 +0800

Not really good at IT.

Is it possible that when registering a new nick, a check is done on the source IP to see whether it's a match to current nick with the same IP?

If it's a match, than a pop up message to inform that there's only one nick per account and have found a match in IP add. Explanation for the purpose of 2 nicks within the same IP will have to send to the admins.

Also flag out an exception list on the particular nick so in the event the guy try registering from another IP, it's still a match.

Just a suggestion because sometimes seeing ppl creating multiple accounts just to spam or to the extent of another con in sales section. Thus by the time that someone found out and report, it could be too late.
Example: http://forum.lowyat.net/topic/606183
http://forum.lowyat.net/topic/604343

b00n's n00b shots

b00n — Thu, 08 Nov 2007 02:33:00 +0800

First time using Canon EOS 400D. Borrowed and just wanted to click on my wifey's car in Kuala Selangor
Appreciate some comments.

These car pics taken are too bright, never had a chance to correct the raw .CR2 file, so resorted to do touch ups on the .jpg instead.

This one had gone through major touch up editing via Lexmark Photo Editor cause no Photoshop (also don't know how to use Photoshop even if I got it). Main focus is the house besides the car (but agreed that the post is spoiling the shot....should have parked better)

Another padi field shot.

Sidelined with the forest as backdrop.

While having lunch at the Seafood Restaurant, borrowed again camera as my friend busy having lunch and manage to capture a few shots on the seafood chain spanning along the river.

A close up on the lonely old man fishing. Forgot to change a more powerful lens.