Standchart eSaver

Mecisteus

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wow. u actually went back to dig posts? u aint so narrow minded and petty, r u? it isnt a big hoo haa, and there isn't any big problem with my accounts.

bad analogy and poor logic. no one who is wanting to eat dim sum at 2 am is complaining of being sleepy. they are all ready to go.

a rational person wont go out to eat at 2am, that is what u r saying, it seems. and so i assume that all those people who is working night shift aint rational people including those doctors who serve u at night at the emergency department?

look, if u r here to contribute, we will all welcome you. but like what i said before, people do not need to follow your lifestyle. as long as the comments made is reasonable, it is valid and there is no need to impose on others.

Which part of my statements that say I am imposing my lifestyle on others?

Who cares what kind of lifestyle you want to choose. You have multiple choices to make in life. Whichever choice you make, don't cry foul if the choice or outcome is not so ideal.

If you are a doctor and you choose to work in a hospital whereby you are required to run night shifts, then it is a choice being made. But don't complain if you lose your beauty sleep.

If you want to pass an examination, a reasonable person would advice you to prepare early. You can choose to prepare at the last hour. It is your choice.

If you want to transfer funds and ensure that you don't lose your daily interests, you do your transfer early. Do not transfer during some grey period. ie 10:30 pm weekday.
 

zoossh

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Which part of my statements that say I am imposing my lifestyle on others?

Who cares what kind of lifestyle you want to choose. You have multiple choices to make in life. Whichever choice you make, don't cry foul if the choice or outcome is not so ideal.

If you are a doctor and you choose to work in a hospital whereby you are required to run night shifts, then it is a choice being made. But don't complain if you lose your beauty sleep.

If you want to pass an examination, a reasonable person would advice you to prepare early. You can choose to prepare at the last hour. It is your choice.

If you want to transfer funds and ensure that you don't lose your daily interests, you do your transfer early. Do not transfer during some grey period. ie 10:30 pm weekday.

you seem to be oblivious to people who have different time schedule and thinks that it is always possible to do things in the same time that u r used to. u have already said that rationale people do not have to eat out in wee hours and i am telling you that pretty obviously there are people who have to work late and they are not being irrational. it is pretty clear cut that u shouldnt have said that statement, and i will be surprised if u still wanna argue on this point. with regards to this analogy, i am going to stop here and let other people judge themselves.

i have no intention to drag on a discussion that is not useful to the others and back to the topic. to put it clearly, ocbc had a grey period much longer than others. for something that takes just 10-30mins for all other banks, ocbc takes 2-3hrs. this clearly put ocbc in a disadvantage for the customers due to reduced flexibility and where it is not relevant to you, it is still relevant to other people. it is not about the users, let me stress this point again, it is one bank who is less competitive versus most other banks. .

and why do we need to talk about it? becos some people cares and some people want to know. not everyone knows of the pitfall. they are asking, and if u have the info, you share. that is the spirit here.

if u have nothing to share, plus u dun see the needs that others have that u dun, u will be better off contributing to other threads where u can share info, rather then to come here to insist that no one should have such needs. that is where u r imposing. surely one doesnt need to change his job just to suit a single bank's setup and one do not need to transfer early if her time doesnt allow that.

and exactly like what u said, there are multiple choices. thankfully. and the choice is to avoid the bank if the restriction affects u. u seem to start off with the wrong attitude and take most of us wrongly. we are not crying foul. we are just looking and comparing our options. and becos a lot of info given out by the banks are not correct, we share our first hand experience so that subsequent people can choose correctly or do the correct steps.

and by the way, if u happen to work for ocbc, they do have their merits. their internet banking interface and online giro setups are a breeze, and several sunday openings are good for those who cannot go banks in weekdays or sat am. i am not biased against any banks.
 

SoulEraser

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just ignore each other and stop derailing the thread la. both accounts age add up 30 years alr.

interests gaming is old and have existed since the start of the banking system. there are deeper discussions in the dark net. do know that this will lead to the closure of your banking relationship once analytics pick up a pattern.

oh and don't bother googling - i have deliberately avoided key words
 

zoossh

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just ignore each other and stop derailing the thread la. both accounts age add up 30 years alr.

interests gaming is old and have existed since the start of the banking system. there are deeper discussions in the dark net. do know that this will lead to the closure of your banking relationship once analytics pick up a pattern.

oh and don't bother googling - i have deliberately avoided key words

but on the opposite end, if u aint aware of the way it works, u will end up having your money going into vacuum where both banks withheld your interest.
 

Mecisteus

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but on the opposite end, if u aint aware of the way it works, u will end up having your money going into vacuum where both banks withheld your interest.

Exactly what I am advising!

I have accounts with multiple banks. I can't afford to remember each and every bank cutoff time.

So I avoid doing transfers during weird timings. Is this not a reasonable thing to do?

I don't know why such silly dim sum and doctors analogies working at night shifts got to do with this discussion.

It just takes less than 2 minutes to do internet banking on the go and almost everyone has a smartphone.
 
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vince123123

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There are two main groups of people - those who prefer fuss-free mechanics and are willing to sacrifice optimising their affairs to have less stress or need to remember things. The second group doesn't mind remembering things and taking the trouble to optimise their affairs. The main reason for the recent controversy is because the people in these two groups are not able to understand why the other group does things their way.

Just learn from each other, no need to fight with each other. If you disagree with another person's method, and both fully understand why the other does it a particular way, just create and adopt your own.
 

tmkedmw

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scb esaver promotion 1 Oct - 30 Nov 2016.

1.45% bonus interest (no change from previous cycle)

So if 200k, effective interest rate is 1.7%
 

cybercom8

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scb esaver promotion 1 Oct - 30 Nov 2016.

1.45% bonus interest (no change from previous cycle)

So if 200k, effective interest rate is 1.7%

hope scb is paying me the 1.7% instead of 1.68%

the difference too negligible for me to figure out what they are paying me :s13:
 

maumu

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so... can someone confirm we can open another esaver personal account online, if we already have one esaver account?

someone tried recently, faced obstacles... dunno how eventually :\
 

tmkedmw

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hope scb is paying me the 1.7% instead of 1.68%

the difference too negligible for me to figure out what they are paying me :s13:

No worries, they pay the higher interest rate. :D
If u dump $5mil, the 0.02% delta works out to be $80+ per month.
 

chiokcc

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My 2 year-old SCB Step-up FD just matured today ...

Earlier in the month, SCB send me a letter that states something like this :

For the $$ (principal + interest that matured by end-Sep) that I had chose to transfer back to my eSaver will be treated as "fresh" fund and qualifies for whatever fresh fund promo that SCB may have from October.

Wonder if anyone else got this offer letter?
 

HoGnix

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so... can someone confirm we can open another esaver personal account online, if we already have one esaver account?

someone tried recently, faced obstacles... dunno how eventually :\

I have two E$aver Accounts, the Second one was opened via online long time ago.
Xfer between two accounts directly with no problem on Interest earned.
 
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