Lowyat.NET: Latest topics by cLy_eVo

Renminbi Transfer Maybank VS CIMB

cLy_eVo — Sat, 30 Apr 2016 10:35:27 +0800

I am using TT at www.maybank2u.com.my and face problem transferring money to supplier in china. I know the fix rate from maybank for TT is about rm10. However, after several transfers i found out the amount they receive will be about 2-2.8% less than the amount i transferred and this amount is not fixed percentage nor flat fee. Therefore it is very difficult for me to estimate the amount i should transfer from my side in order to guarantee the beneficiary to receive certain amount.

According to this article link, this problem arise because the sender or beneficiary bank using intermediary bank to process the transfer because the currency is foreign. In my case is worst since it is RM->USD->RMB so need US intermediary bank which will incur high amount of fees.

It may have a solution through methods below but i am not familiar with these services. Can anyone familiar with these services explain to me the differences:

1) Renminbi Individual Remittance by CIMB

2) Renminbi Trade Settlement Services by Maybank

At the moment i am using personal bank account for telegraphic transfers

If there is better alternative for small enterprise like me to deal with chinese exporters please advice.

Thank you.

WTS 2 pieces of Gigabyte OC windforce 7970 radeon

cLy_eVo — Mon, 24 Nov 2014 15:21:26 +0800

Item(s):

2 pieces of radeon 7970

Package includes:

1 box, the other box thrown away
1 crossfire link cable

Price:

RM600 each

Warranty:

Personal 1 week

Dealing method:

Poslaju

Location:

Bintulu, sarawak

Contact method/details:

clyeliz@gmail.com

Item(s) conditions:

One of the fan is not great because of wear, sometimes noisy sound
Otherwise both overclockable to 1250 mhz with no problem

Picture:

will upload later

Reason for sale:

upgrading

How to pay minimum service charge and interest

cLy_eVo — Sun, 26 Oct 2014 11:06:06 +0800

I have no idea about credit card system
Been using it for years and wondering why i pay so much for it
I am sure there is an answer to these questions in the credit card v18 thread but this topic really need its own thread
I am using visa gold color maybank islamic ikhwan card
I usually use it to shop at supermarket and pay things online
I have studied the service and interest charges in this link: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

One that is familiar with banking please help me answer the following questions:

Firstly a very general question, how do i maximize the usage of credit card while paying most minimum amount of service charges and interest fees
(the objective is to get a lot of treatspoints/reward points )

If i shop at mall, and pay immediately (few hours later) do i still need to pay interest even the smallest amount?

If i use lelong.com and pay through maybank2u.com and choose visa instead of current account, do they charge it same with "cash advance fee" (which is 5% for maybank or minimum of RM10)?

I ll add the best answers below this line:
__________________________________

QUOTE(zDarkForceSz @ Oct 26 2014, 03:16 PM)

The best way to maximise & paying most minimum amount of service charges & interest fees is pay what you owe before the DUE DATE.
Eg. Jan I spend RM1,000 with my CC. Lets say the statement stated DUE DATE 10 Feb.

A. I pay RM1,000 = 0% charges. [This is the result you want!]

B.If I pay less than RM1,000 the interest will charge on the outstanding of my debt.

You use how much, pay how much before due date = Maximise & paying most minimum amount of service charges & interest fees.
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QUOTE(eddievh @ Oct 26 2014, 12:37 PM)

Cash advance charges will only happen when you withdraw cash at atm or genting highland casino. If previous month you didn't pay full amount any new purchases will straight away get charge interest according to how many days you owe the bank.
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recommend me an amp

cLy_eVo — Sun, 25 Sep 2011 12:17:00 +0800

2 front speakers. 2 front tweeters, 1 subwoofer
within price range rm700-rm900

[WTA] i5 system for gaming

cLy_eVo — Sun, 01 Aug 2010 15:30:13 +0800

budget, not more than rm8000, lowest i can get for balanced system
meaning no bottlenecks, no overkill parts that don't fit the system
good games fps

Before:

CPU- / CORE i5 750 S1156 2.66 4.8G 8M @ viewnet = $644
COOLER- / Cooler Master Hyper TX** @ LYN = $59
MOBO- / GIGABYTE P55-US3L | IP55 | D3-CF-RSGL @ viewnet = $399
RAM- / Kingston 4gb 2000MHz DDR3 XMP Tall HS (kit of 2) (KHX2000C9AD3T1K2/4GX) @ viewnet = $499
GPU- / SAPPHIRE 5970 OC REDLINE 2GB D5 512 @ lingloong = $1995
SSD- / Intel X-25M 80gb (SSDSA2MH080G2R5) @ hikari85 = $790
HDD- / Western Digital 7200rpm 32mb 2tb @ viewnet = $389
DVD- / Liteon DVD-RW @ viewnet = $79
CASING- / Silverstone Raven 2 rm589 @ pczone = $589
MONITOR- / VIEWSONIC VX2423W 23.6" 2MS D @ viewnet = $599
SPEAKER- / EDIFIER DA5000 PRO 5.1 699 @ viewnet = $699
PSU- / SEASONIC 650W X Series True Power MODULAR PSU (X650) # 80Plus GOLD @ lelong = $500
KEYBOARD- / Razer Arctosa @ pc zone = $185
MOUSE- / Razer Abyssus @ owned = $0

Total cost = $$7,426

After:

CPU- / CORE i5 750 S1156 2.66 4.8G 8M @ viewnet = $644
COOLER- / Cooler Master Hyper 212+ @ lingloong = $85
MOBO- / MSI P55GD65 @ lingloong = $499
RAM- / Kingston 4gb 2000MHz DDR3 XMP Tall HS (kit of 2) (KHX2000C9AD3T1K2/4GX) @ viewnet = $499
GPU- / SAPPHIRE 5970 2GB DDR5 @ lingloong = $1,869
SSD- / Intel X-25M 80gb (SSDSA2MH080G2R5) @ lingloong = $780
HDD- / Samsung Spinpoint 7200rpm 1TB @ viewnet = $189
DVD- / Liteon DVD-RW @ viewnet = $79
CASING- / Silverstone Raven 2 rm589 @ lingloong = $579
MONITOR- / VIEWSONIC VX2423W 23.6" 2MS D @ viewnet = $599
SPEAKER- / EDIFIER DA5000 PRO 5.1 699 @ viewnet = $699
PSU- / SEASONIC 750W X Series True Power MODULAR PSU (x750) # 80Plus GOLD @ lingloong = $585
KEYBOARD- / OCZ Alchemist Elixir @ modernopc = $69
MOUSE- / Razer Abyssus @ owned = $0
MOUSEPAD / SteelSeries 4HD @ modernopc = $109

Total of = $7,284

** i expect overclock of 4++ghz to avoid cpu bottleneck for the kickass gpu