to those of you who already had ASB loan from local banks, just carry on. this is just a friendly advice for my friends who have not done so.
ASB is incorporated by PNB as
BUMIPUTERA ONLY trust fund, as an incentive to encourage saving habits to bumis and enculcate investment without exposing them to unnecessary risks.
however, most of malays are lacking the fund to join ASB to reap its full benefit. average return per year is around 7% lately.
this is where banks giving away loans for this fund.
i read through the internet, and i reached to a conclusion that taking loans for asb is not a smart method of investment.
unless you cannot discipline yourself in saving your money.
banks saw this as an opportunity to gain money without exposing themselves to unnecessary risks. offering at BLR -1.25% (actual rate of some bank) this seems attractive. i, however, see this just as another alibaba license. banks dont have to be a malay to invest in asb, rather, they used their customer's name in obtaining asb certs.
and during bad times, BLR can go as high as 12%. instead of you getting the dividend, you are paying the banks for nothing! i know this is the worst case scenario, but no one can predict the future.
it's better you save your money little by little. you will have full control of your finances and who knows, maybe you need extra funds in emergency?
unless you cannot discipline yourself and need to be forced to pay monthly loan, don't take ASB loan because it's just a way banks make free profits with minimal risk.
i hate it when i thought of working for the bank for free. i expect them to pay me, not the other way around.
i know the loan means you have a leverage for your money in the long run. however the return is too small <10% making it unattractive, at all. only make loans where you can be confident that the spread is more than 10%.
well, that's just imho. any comments are welcomed =)
sisters n mama
me and bdk2 kecik (one called me ayah for no reason at all lol)
me and sis
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Ada perisa keladi. Ada warna kuning keemasa dan juga hijau
Berwarna ceria dan ala jelly muka buminya 
Berinti kaya berwarna pink dan lembut 
Telur putih menjadi bahan utama 
Ala-ala donut malaysia. Main Ingredients: keledek
Inti kelapa atau kacang hijau ataupun mungkin juga serunding. Berbentuk bulat. Jarang sekali ditemui bentuk lonjong, tapi tetap wujud. 
Biasa dipanggil kuih untuk orang xde gigi.
Inti kelapa yang digaul gula melaka. Di gulung2 ala popia 
Di salut tepung beras. Wujud dalam analogi. Cth Ayat : "Popuan tu pakai bedak dh cam _______ dh aku tengok"
Ada kale hijau. Ade kale kuning. Ada ada inti, ada juga yang kosong.
Origin : Kelantan. Bahan utama : Telur
Common digabungkan 4 unsur kejadian. Tepung, pulut kaler merah, gula melaka dan kepala santan yg agak pekat(optional). Rasa seperti bubur sumsum 
Ada gula di lapisan bawah. Dibungkus daun pisang. Kalau ada jagung, dipanggil Kuih Talam.
Tahan lama. Disira dalam air gula. Antara bahan : kuning telur
Kadang-kadang bole ada bijan. Kadang-kadang xde bijan.
Bole dibentuk mengikut acuan. Atau di potong bersegi. Common kaler coklat atau bole diwarna warnikan
Perisa keladi kaler purple. Perisa ubi kaler kuning. Biasanya lapisan hijau sekaya dan lapisan putih nipis di buat dari pulut atau tepung.
kaler common Hijau tp bukan Incredible Hulk. Bole juga diwarnakan dengan apa2 kaler...
Terlalu banyak nama. Antara nama panggilannya 'kekoh kekoh cha'. Gula Melaka di dalam
Tekap guna acuan. Lembut dan ringan. Kelapa kat atas. Wujud juga dengan kale pink atau kuning mengikut perwarna. Common hijau lah.
Juga dikenali kuih telinga keling. Manis sgt 
Ringan.Sedap cicah air teh.
