Author Topic: Hong Leong Cash Promise  (Read 62031 times)

Offline rob2001al2001

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Hong Leong Cash Promise
« on: June 18, 2013, 10:57:44 AM »
Hello, anyone here invested in this savings plan? It was presented to me yesterday and I find it really toooo good to be true. But I am sure there are some loopholes in it. Anyone care to share?

Apparently for every 10k invested, we get 20% (2k) every year as GUARANTEED RETURN each year.  If I invest 100k, I will get 20k as guaranteed return, on top of some dividend etc. I just need to keep the money with them and not withdraw, till the 6th year. There after I don't even need to deposit the 10k, I will continue have a guarantee return of 2k every year.
Doesn't it sound fishy?

Offline tsak

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Re: Hong Leong Cash Promise
« Reply #1 on: June 18, 2013, 11:01:53 AM »
any idea how much management fee charge on managing your profile?

Guarantee written in agreement? If investment made loss making ...you think the loss they reimburse for you?  :D
Above just express my opinion, dont shoot me if any misstatement. :innocent:

The market is weird. Every time one guy sells, another one buys, and they both think they're smart.

Offline rob2001al2001

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Re: Hong Leong Cash Promise
« Reply #2 on: June 18, 2013, 11:11:57 AM »
no mention abt management fee, its like buying an insurance plan, all cost absorbed. But the returns is unbelievable... and its all black and white on paper., stated on the aggrement.

Offline Contender

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Re: Hong Leong Cash Promise
« Reply #3 on: June 18, 2013, 11:50:51 AM »
I was approached too .... if you read carefully and you do simple calculation .... it is not 20% return !! How can the sales person try to say is 20% return ??

10,000 x 6 years = 60,0000
guaranteed 2,000 x 25 years = 50,0000

apart from this, nothing is guaranteed !! so where got 20% return ?

Offline KLSE LOSSER

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Re: Hong Leong Cash Promise
« Reply #4 on: June 18, 2013, 11:51:40 AM »
How much u invested in 6 years and how much u will receive during mature?

Offline KLSE LOSSER

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Re: Hong Leong Cash Promise
« Reply #5 on: June 18, 2013, 11:59:45 AM »
I was approached too .... if you read carefully and you do simple calculation .... it is not 20% return !! How can the sales person try to say is 20% return ??

10,000 x 6 years = 60,0000
guaranteed 2,000 x 25 years = 50,0000

apart from this, nothing is guaranteed !! so where got 20% return ?
If u put 60k into FD with the interest at 3%. After 25 years of compound... Guess how much u get eventually?

The answer is 125k. Why lock your money for 25 years and the guarantee return is even lower than FD?
Really really absurb...

Offline roystevenung

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Re: Hong Leong Cash Promise
« Reply #6 on: June 18, 2013, 03:25:18 PM »
Hello, anyone here invested in this savings plan? It was presented to me yesterday and I find it really toooo good to be true. But I am sure there are some loopholes in it. Anyone care to share?

Apparently for every 10k invested, we get 20% (2k) every year as GUARANTEED RETURN each year.  If I invest 100k, I will get 20k as guaranteed return, on top of some dividend etc. I just need to keep the money with them and not withdraw, till the 6th year. There after I don't even need to deposit the 10k, I will continue have a guarantee return of 2k every year.
Doesn't it sound fishy?

Yup, it sounded like a rotten insurance CONsultant.

Why hello! Wake up please! If give you 20% every year bank pun close shop liau.

Insurance if you put in Rm10k, you immediately lose Rm4k cos the RM4k is used to buy you PROTECTION!
Roy Steven Ung
Email: stevenung1971@gmail.com / Skype: roy.steven.ung
HP & Whatsapp: 016-451 5957
Prudential Assurance (M) Bhd
Prudential BSN Takaful Bhd
Penang, KL

Offline rob2001al2001

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Re: Hong Leong Cash Promise
« Reply #7 on: June 18, 2013, 06:26:35 PM »
If I invest 10k/year x6= rm60k., with a guarantee of 2k/yr
after a period of 12yrs, the roi  24k/60k x 100%= a whooping 40%.
correct me. ;)

Offline Ace$$$Collector

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Re: Hong Leong Cash Promise
« Reply #8 on: June 18, 2013, 06:40:29 PM »
if based on your calculation 40% return in 12 years is not consider whooping.
If you divide your 40 % return with 12 years, your return is just 3.33% per year.
Only 0.33 % more than FD.


If I invest 10k/year x6= rm60k., with a guarantee of 2k/yr
after a period of 12yrs, the roi  24k/60k x 100%= a whooping 40%.
correct me. ;)
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Offline Contender

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Re: Hong Leong Cash Promise
« Reply #9 on: June 18, 2013, 07:11:16 PM »
You sound like insurance sales person here ... promoting this HLA Cash Promise !! 40% return in 12 years 20% return etc etc

The money invested is locked up ..... for that paltry guaranteed return ? 3.33% .... even FD you can withdraw and roll over if you want to .... or take out to apply IPO also can. That policy ... withdraw means terminate policy and typical insurance policy, terminate after say 2 years you will lose a fair bit .... so it's a long term policy or savings plan, that's all.

Offline Small Fry

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Re: Hong Leong Cash Promise
« Reply #10 on: June 18, 2013, 07:33:08 PM »
If I invest 10k/year x6= rm60k., with a guarantee of 2k/yr
after a period of 12yrs, the roi  24k/60k x 100%= a whooping 40%.
correct me. ;)
If I understand correctly, you start with 10K per year, adding 10K per year for the next 5 years.
Therefore, after the maturity of the 1st 10K, you will receive 2K, and at the same time add 10K.
So the receivable shall be 2 + 4 + 6 + 8 + 10 + 12 (6 years return), that's 42K, seven years after the first 10K had been deposited.
42/60 K is 70% return, that's 10 % pa.
If you can continue to collect the 12K for the next 6 years, why not.
Question is can you collect the promised sum annually plus your capital on maturity?

Offline GordonTan

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Re: Hong Leong Cash Promise
« Reply #11 on: June 18, 2013, 07:45:31 PM »
wake up la... if there is a GUARANTEED PROFIT OF 20 PERCENT.... IS 20 PERCENT... PER ANNUM...FD only how much ?? 3 percent only.... if this plan is true .. i believe nobody want to play stock d... put 100k get 20k annually... like this i also want... dont kena cheated la...

if this is true.. then you tell me...why we want to play stock....
wish my dream comes true ...amitabha...god bless me

Offline KLSE LOSSER

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Re: Hong Leong Cash Promise
« Reply #12 on: June 18, 2013, 08:05:40 PM »
If every year got 20% return... Can retire now already... Everyday go pancing ikan besar besar...
Where got so big frog jump on the street one!!!

Offline cashflow technology

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Re: Hong Leong Cash Promise
« Reply #13 on: October 23, 2013, 08:42:37 AM »
If every year got 20% return... Can retire now already... Everyday go pancing ikan besar besar...
Where got so big frog jump on the street one!!!

betul ! :thumbsup: :handshake:

Offline louiswaw

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Re: Hong Leong Cash Promise
« Reply #14 on: October 25, 2013, 12:29:13 PM »
Hello, anyone here invested in this savings plan? It was presented to me yesterday and I find it really toooo good to be true. But I am sure there are some loopholes in it. Anyone care to share?

Apparently for every 10k invested, we get 20% (2k) every year as GUARANTEED RETURN each year.  If I invest 100k, I will get 20k as guaranteed return, on top of some dividend etc. I just need to keep the money with them and not withdraw, till the 6th year. There after I don't even need to deposit the 10k, I will continue have a guarantee return of 2k every year.
Doesn't it sound fishy?

Actually there are 2 options for this kind of saving plan.
1) Cash payment option- meaning cash payout to u every year.
2) Cash accumulation option- meaning cash payment will accumulate into the plan.
In the market nowadays, lots of unethical agent promises CPO to client but the surrender value would be ****! Becareful on this. It's misleading.

Offline Lotus48

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Re: Hong Leong Cash Promise
« Reply #15 on: October 25, 2013, 12:32:25 PM »
20% return, get real lar

no such return, later you will :'( :'( :headbang: :headbang:

Offline Raynard_Abraham

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Re: Hong Leong Cash Promise
« Reply #16 on: February 20, 2014, 04:04:39 PM »
if based on your calculation 40% return in 12 years is not consider whooping.
If you divide your 40 % return with 12 years, your return is just 3.33% per year.
Only 0.33 % more than FD.



Guys I think that you are not getting the right information. HLA Cash promise is an endowment policy. Premium paid over the first 6 yrs. And all together after 25 yrs your returns would be for 100k about 1.6 million thats plus the 600k saved with hong leong. Its a good plan for people thinking of balancing up their financial portfolio n also to have some amount saved for rainy day with about 7% interest if prorated over 25 yrs. The calculation is allitle confusing because.

1. The gauranteed yearly income. 100k - 20k p.a
2. HLA also gives you cash dividends depending on company performance.
3. A 5.25% compounding interest on the returns yearly.

I think this plan is the best of its kind out there now.
Raynard Abraham,
Hong Leong Assurance bhd.
HP     : 017-3462-672
Email: Raynard8787@gmail.com

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #17 on: February 20, 2014, 04:09:56 PM »
Can I withdraw everything + the 20% yearly return after the 6th year?
If yes, then okay.
If not, then scam.
Buy, sell, up, down, gain, gain.

Offline Raynard_Abraham

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Re: Hong Leong Cash Promise
« Reply #18 on: February 20, 2014, 06:02:23 PM »
Can I withdraw everything + the 20% yearly return after the 6th year?
If yes, then okay.
If not, then scam.

Yes you can bro. Just drop me an email and I will do what I can to help you out.
Raynard Abraham,
Raynard8787@gmail.com
Raynard Abraham,
Hong Leong Assurance bhd.
HP     : 017-3462-672
Email: Raynard8787@gmail.com

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #19 on: February 20, 2014, 07:01:16 PM »
Yes you can bro. Just drop me an email and I will do what I can to help you out.
Raynard Abraham,
Raynard8787@gmail.com

Really?
You mean it is okay to withdraw like, say I deposit RM100k...

End of 1st year - RM100k + RM20k in balance.
End of 2nd year - RM100k + RM20k + RM20k in balance (assuming no compounding).
End of 3rd year - RM100k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 4th year - RM100k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 5th year - RM100k + RM20k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 6th year - RM100k + RM20k + RM20k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
Early 7th year withdraw a lump sum of RM220k.

Don't play-play wor. Or else I will hold you accountable wor.
Buy, sell, up, down, gain, gain.

Offline cashflow technology

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Re: Hong Leong Cash Promise
« Reply #20 on: February 20, 2014, 07:05:39 PM »
Really?
You mean it is okay to withdraw like, say I deposit RM100k...

End of 1st year - RM100k + RM20k in balance.
End of 2nd year - RM100k + RM20k + RM20k in balance (assuming no compounding).
End of 3rd year - RM100k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 4th year - RM100k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 5th year - RM100k + RM20k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 6th year - RM100k + RM20k + RM20k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
Early 7th year withdraw a lump sum of RM220k.


Don't play-play wor. Or else I will hold you accountable wor.


If it is too good to be true , it is a scam.   :thumbsdown:

Offline roystevenung

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Re: Hong Leong Cash Promise
« Reply #21 on: February 20, 2014, 10:32:51 PM »
Really?
You mean it is okay to withdraw like, say I deposit RM100k...

End of 1st year - RM100k + RM20k in balance.
End of 2nd year - RM100k + RM20k + RM20k in balance (assuming no compounding).
End of 3rd year - RM100k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 4th year - RM100k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 5th year - RM100k + RM20k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
End of 6th year - RM100k + RM20k + RM20k + RM20k + RM20k + RM20k + RM20k in balance (assuming no compounding).
Early 7th year withdraw a lump sum of RM220k.

Don't play-play wor. Or else I will hold you accountable wor.


Hais... another irresponsible agent saying stupid things. No wonder people lost faith in insurance lar...

Get Hong Leong to endorse the letter with the above figures. See if they dare or not. Insurance is for PROTECTION never for INVESTMENT!
Roy Steven Ung
Email: stevenung1971@gmail.com / Skype: roy.steven.ung
HP & Whatsapp: 016-451 5957
Prudential Assurance (M) Bhd
Prudential BSN Takaful Bhd
Penang, KL

Offline Raynard_Abraham

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Re: Hong Leong Cash Promise
« Reply #22 on: February 21, 2014, 01:32:48 PM »
If it is too good to be true , it is a scam.   :thumbsdown:

Its like this: 600k saved.
1yr 100k get 20k
2yr + another 100k get 20k
3yr + another 100k get 20k
4yr + another 100k get 20k
5yr + another 100k get 20k
6yr + another 100k get 20k

So altogether you are saving 600k and get a yearly return of 20k for a maximum of 25yrs.
(Not including the 5.25 compounding interest)
If you guys are interested, seriously just drop me an email. I can even give you a black and white point of view. Everything you want to know in detail. You can see how much you get yearly
For the next 25 years. Up to u
Ps; Mr Prudential: I know insurance is not for investments. Hong Leong's cash promise's design is   not like any other insurance policy. If it was I wouldn't have posted anything in investlah.com. cash promise is only a maximum of 25 years. Any insurance with a death benefit only for 25 yrs mr prudential??
Raynard Abraham,
Hong Leong Assurance bhd.
HP     : 017-3462-672
Email: Raynard8787@gmail.com

Offline Raynard_Abraham

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Re: Hong Leong Cash Promise
« Reply #23 on: February 21, 2014, 02:00:07 PM »
Any in depth questions on Cash Promise?

Email me:

Raynard8787@gmail.com
I'll gladly assist you. No worries.
Raynard Abraham,
Hong Leong Assurance bhd.
HP     : 017-3462-672
Email: Raynard8787@gmail.com

Offline cashflow technology

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Re: Hong Leong Cash Promise
« Reply #24 on: February 21, 2014, 02:34:25 PM »
Any in depth questions on Cash Promise?

Email me:

Raynard8787@gmail.com
I'll gladly assist you. No worries.


good luck !   :handshake:

Offline Raynard_Abraham

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Re: Hong Leong Cash Promise
« Reply #25 on: February 21, 2014, 05:23:46 PM »
Raynard Abraham,
Hong Leong Assurance bhd.
HP     : 017-3462-672
Email: Raynard8787@gmail.com

Offline KLSE LOSSER

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Re: Hong Leong Cash Promise
« Reply #26 on: February 21, 2014, 05:49:17 PM »
Ok, very simple, i opt for 100k plan.
Since this plan only required 6yrs contribution.
How much i get on the 7th year if i dont want to continue, pls give me the figure will do. Tq

Offline KLSE_huat

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Re: Hong Leong Cash Promise
« Reply #27 on: February 21, 2014, 06:00:34 PM »
Its like this: 600k saved.
1yr 100k get 20k
2yr + another 100k get 20k
3yr + another 100k get 20k
4yr + another 100k get 20k
5yr + another 100k get 20k
6yr + another 100k get 20k

So altogether you are saving 600k and get a yearly return of 20k for a maximum of 25yrs.
(Not including the 5.25 compounding interest)
If you guys are interested, seriously just drop me an email. I can even give you a black and white point of view. Everything you want to know in detail. You can see how much you get yearly
For the next 25 years. Up to u
Ps; Mr Prudential: I know insurance is not for investments. Hong Leong's cash promise's design is   not like any other insurance policy. If it was I wouldn't have posted anything in investlah.com. cash promise is only a maximum of 25 years. Any insurance with a death benefit only for 25 yrs mr prudential??

I have never seen such a big frog jumping on the road.


Offline KLSE_huat

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Re: Hong Leong Cash Promise
« Reply #28 on: February 21, 2014, 06:38:44 PM »
Its like this: 600k saved.
1yr 100k get 20k
2yr + another 100k get 20k
3yr + another 100k get 20k
4yr + another 100k get 20k
5yr + another 100k get 20k
6yr + another 100k get 20k

So altogether you are saving 600k and get a yearly return of 20k for a maximum of 25yrs.
(Not including the 5.25 compounding interest)
If you guys are interested, seriously just drop me an email. I can even give you a black and white point of view. Everything you want to know in detail. You can see how much you get yearly
For the next 25 years. Up to u
Ps; Mr Prudential: I know insurance is not for investments. Hong Leong's cash promise's design is   not like any other insurance policy. If it was I wouldn't have posted anything in investlah.com. cash promise is only a maximum of 25 years. Any insurance with a death benefit only for 25 yrs mr prudential??

Hong Leong Cash Promise:

year   1year   total dividend   yield
1       100       100   20       20.00%
2       100       200   20       10.00%
3       100       300   20         6.67%
4       100       400   20         5.00%
5       100       500   20         4.00%
6       100       600   20         3.33%
7       100       700   20         2.86%
8       100       800   20         2.50%
9       100       900   20         2.22%
10      100     1000   20         2.00%

Duration: 10 years
Total Savings: 1000 thousands or 1 million
Total Dividend: 200k

Fixed Deposit of 3.5%:
year   1year   total   yield   dividend
1       100    100.00   3.50%   3.50
2       100    203.50   3.50%   7.12
3       100    310.62   3.50%   10.87
4       100    421.49   3.50%   14.75
5       100    536.25   3.50%   18.77
6       100    655.02   3.50%   22.93
7       100    777.94   3.50%   27.23
8       100    905.17   3.50%   31.68
9       100   1036.85   3.50%   36.29
10     100   1173.14   3.50%   41.06

Duration: 10 years
Total Savings: 1000 thousands or 1 million
Total Dividend: 214.2k

The longer you invest with Hong Leong Cash Promise, the worse the yield becomes.

The best is to invest within a 2 year timeframe which I am very sure is not allowed.
Raynard_Abraham, can we invest just within a 2 year timeframe? If not, what is the minimum timeframe?

If the performance is going to be like fixed deposit then what's the point?

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #29 on: February 21, 2014, 06:59:23 PM »
The annual effective yield over 25 years is roughly less than the current best FD effective rate on offer.
Isn't it better (or at least equal) to just invest 95% in FD and 5% in term insurance?
25 years is a long long period of time for the insurance company to borrow from the clients.
Yes, if clients deposit money to a company and be locked for many many years that is as good as company borrowing from the client no matter how you like to describe it.
Buy, sell, up, down, gain, gain.

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #30 on: February 21, 2014, 07:05:11 PM »
If Hong Leong intends to borrow from the clients, then it should offer way much higher rate (depending on credit rating to identify the premium over 25-year government bond) than the paltry <3% yield.
8% or more is not excessive, but <3%?!?!
Buy, sell, up, down, gain, gain.

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #31 on: February 21, 2014, 07:08:28 PM »
With FD I can rollover my capital every year to compound, but Hong Leong's plan offer no compounding at <3%.
If it does offer annual compounding, then the effective yield would be even wayyyyy lower than <3%.
No matter how you look at it, FD easily seems like the better deal.
Buy, sell, up, down, gain, gain.

Online iiinvestsmart

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Re: Hong Leong Cash Promise
« Reply #32 on: February 21, 2014, 07:45:41 PM »
Is this an insurance product with an investment element thrown in?

Do you know that you can easily get 8% or so return from the stock market consistently and safely over the long term?
Itís better to buy a wonderful company at fair price than a fair company at wonderful price.

1.  Understand the business
2.  Business must have DCA
3.  Management with integrity
4.  Buy at a sensible price

Big Fat Pitch.  Focus Investing.  Long term portfolio for capital appreciation and income.

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #33 on: February 21, 2014, 07:54:47 PM »
The plan is to attract gullible customers to lend their money to HL mah.
Buy, sell, up, down, gain, gain.

Offline warren buffet

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Re: Hong Leong Cash Promise
« Reply #34 on: February 21, 2014, 10:08:34 PM »
The plan is to attract gullible customers to lend their money to HL mah.

Dorky background not simple.. 8)

Offline warren buffet

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Re: Hong Leong Cash Promise
« Reply #35 on: February 21, 2014, 10:09:28 PM »
Is this an insurance product with an investment element thrown in?

Do you know that you can easily get 8% or so return from the stock market consistently and safely over the long term?

Well..not everybody is iiinvestsmart..

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #36 on: February 21, 2014, 10:12:53 PM »
Dorky background not simple.. 8)

On the contrary, Dorky's background is very simple.   :nod:
Buy, sell, up, down, gain, gain.

Offline U.K.

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Re: Hong Leong Cash Promise
« Reply #37 on: February 21, 2014, 10:14:56 PM »
Dorky background not simple.. 8)

Dorkey likes people to praise him... :D

Offline warren buffet

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Re: Hong Leong Cash Promise
« Reply #38 on: February 21, 2014, 10:17:21 PM »
On the contrary, Dorky's background is very simple.   :nod:

Can share to newbie like me on how you get involved into stock market? What you do during young time?

Offline warren buffet

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Re: Hong Leong Cash Promise
« Reply #39 on: February 21, 2014, 10:17:52 PM »
Dorkey likes people to praise him... :D

No doubt..He really good.. :thumbsup:

Offline U.K.

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Re: Hong Leong Cash Promise
« Reply #40 on: February 21, 2014, 10:18:47 PM »
Hello, anyone here invested in this savings plan? It was presented to me yesterday and I find it really toooo good to be true. But I am sure there are some loopholes in it. Anyone care to share?

Apparently for every 10k invested, we get 20% (2k) every year as GUARANTEED RETURN each year.  If I invest 100k, I will get 20k as guaranteed return, on top of some dividend etc. I just need to keep the money with them and not withdraw, till the 6th year. There after I don't even need to deposit the 10k, I will continue have a guarantee return of 2k every year.
Doesn't it sound fishy?

20% interest per year? Where got such a good deal in this world? :shake:

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #41 on: February 21, 2014, 10:24:11 PM »
Dorkey likes people to praise him... :D

Yalor, kissy-kissy buttt mah.   :kiss: :kiss: :kiss: :kiss: :kiss: :kiss: :kiss: :kiss:
Buy, sell, up, down, gain, gain.

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #42 on: February 21, 2014, 10:27:44 PM »
Can share to newbie like me on how you get involved into stock market? What you do during young time?

Fuyoooh, long story lor...
Buy, sell, up, down, gain, gain.

Offline U.K.

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Re: Hong Leong Cash Promise
« Reply #43 on: February 21, 2014, 10:28:47 PM »
Yalor, kissy-kissy buttt mah.   :kiss: :kiss: :kiss: :kiss: :kiss: :kiss: :kiss: :kiss:

I can read some of the forumers' personality.  :nod: :nod:

I can read many people in my company although i am close to them.

Offline U.K.

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Re: Hong Leong Cash Promise
« Reply #44 on: February 21, 2014, 10:30:30 PM »
I can read some of the forumers' personality.  :nod: :nod:

I can read many people in my company although i am NOT** close to them.

Offline warren buffet

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Re: Hong Leong Cash Promise
« Reply #45 on: February 21, 2014, 10:30:39 PM »
Fuyoooh, long story lor...

Cincai sikit sikit kasi tau..I would like to know more how old peoples go through their young time..Terima kasih banyak banyak.. :handshake:

Offline Dorky

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Re: Hong Leong Cash Promise
« Reply #46 on: February 21, 2014, 10:32:13 PM »
Cincai sikit sikit kasi tau..I would like to know more how old peoples go through their young time..Terima kasih banyak banyak.. :handshake:

U.K. said he can read people.
If he can guess my age close enough, then I will disclose a bit about myself.
Buy, sell, up, down, gain, gain.

Offline payphone

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Re: Hong Leong Cash Promise
« Reply #47 on: February 21, 2014, 10:32:34 PM »
I can read some of the forumers' personality.  :nod: :nod:

I can read many people in my company although i am close to them.

 :) :)    baby can u read my lips  :D :D ;)
Always go against the crowd. Detach from the crowd, think outside of the crowd. Don't be a crowd follower. BE A CONTRARIAN.

Offline warren buffet

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Re: Hong Leong Cash Promise
« Reply #48 on: February 21, 2014, 10:33:40 PM »
U.K. said he can read people.
If he can guess my age close enough, then I will disclose a bit about myself.

UK..your turn now... :D

Offline payphone

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Re: Hong Leong Cash Promise
« Reply #49 on: February 21, 2014, 10:36:06 PM »
UK..your turn now... :D

Ok, let me guess.

UK  -- 45
WB -- 29
Dorky --26
Me --69  :D :D ;)
Always go against the crowd. Detach from the crowd, think outside of the crowd. Don't be a crowd follower. BE A CONTRARIAN.