pdic_UsapangPera_GuideBook

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Chapter SIX: Other Places to Put Your Money 83 Cash or Near Cash 87 Bonds 91 Stocks 94 Foreign Exchange, Derivatives 97 Chapter SEVEN: The Power of Information 101 Know Your Bank 103 Know Your Bank’s Products 104 Know Your Bank’s Service Fees 106 Keep Your Bank Records Safe and Updated 107 Transact Only with Authorized Personnel Inside Bank Premises 108 Be Informed About PDIC Deposit Insurance 110 Be Prudent 113 Glossary 117 Annexes 121 A. Determining If Your Expenses Are Justifiable 122 B. Regulatory Issuance No. 2011-01 124 C. BSP Circular No. 640 130 D. Sample Claim Form 132 E. Sample Claim Status Sheet 134 F. Sample Special Power of Attorney 135 G. Republic Act No. 9505 136
Page 2 and 3: Copyright 2013 by the Philippine De
Page 5 and 6: Foreword Through the Philippine Dep
Page 7 and 8: insured deposits. This Guidebook is
Page 9: Table of Contents A Brief History o
Page 13 and 14: Mr. Basilio Estanislao, then Specia
Page 16 and 17: It is a Saturday and there are just
Page 18 and 19: Financial Expert’s Corner Let’s
Page 20 and 21: Taking advantage of his children’
Page 22 and 23: Sonny and Tessie see their parents
Page 24: Money is Important 1. Studies vary
Page 27 and 28: A bit puzzled, Mang Domeng asks Son
Page 29 and 30: Financial Expert’s Corner The rea
Page 31 and 32: Figure 1 Why and How to Save 21
Page 33 and 34: “The second to the largest defend
Page 35 and 36: The savings in the formula will be
Page 38 and 39: It’s a Wednesday and both Mang Do
Page 40 and 41: Financial Expert’s Corner The KYC
Page 42 and 43: “But Sonny and Tessie,” reminds
Page 44 and 45: “Really po, Nanay?”, Tessie exc
Page 46 and 47: Financial Expert’s Corner With cu
Page 48 and 49: 38 Depositing Your Money Figure 3
Page 50 and 51: Figure 4 Checking Accounts The astu
Page 52 and 53: Financial Expert’s Corner Figure
Page 54 and 55: Figure 6 Towards the right of the d
Page 56 and 57: Time Deposit Accounts It’s the fo
Page 58 and 59: Time deposits will typically be pai
Page 60 and 61:
Closing the Deposit Account Aling L
Page 62:
Depositing Your Money 1. Savings ac
Page 65 and 66:
Mang Domeng says that he could bare
Page 67 and 68:
All three heuristics, thinking in r
Page 69 and 70:
Given the following assumptions, Pr
Page 71 and 72:
Harry says, “Take the case of col
Page 73 and 74:
astardizes the legitimate marketing
Page 75 and 76:
Financial Expert’s Corner The ter
Page 78 and 79:
Just three weeks left before Mang D
Page 80 and 81:
Orly says, “The PDIC’s deposit
Page 82 and 83:
Deposit Insurance Claim Process “
Page 84 and 85:
also be secured at the premises of
Page 86 and 87:
depositor on the status of his clai
Page 88 and 89:
For example: 1. How much is Fe Sant
Page 90 and 91:
Php600,000, Php500,000 shall be cov
Page 92:
to cease and desist against such de
Page 95 and 96:
“Yes,” exclaims Mang Domeng,
Page 97 and 98:
Cash or Near Cash Eager to find out
Page 99 and 100:
Again with utmost concern for his c
Page 101 and 102:
A short-term commercial paper will
Page 103 and 104:
Financial Expert’s Corner Since b
Page 105 and 106:
After breakfast the next morning, M
Page 107 and 108:
Foreign Exchange, Derivatives It is
Page 109 and 110:
“And, Mang Domeng,” Ed adds,
Page 111 and 112:
101
Page 113 and 114:
1. Know Your Bank Orly says, “Ban
Page 115 and 116:
“But whatever the financial produ
Page 117 and 118:
• Temporary overdraft - honored (
Page 119 and 120:
machine validated deposit or withdr
Page 121 and 122:
Simple QRCs received through mail o
Page 123 and 124:
“The complaint letter as well as
Page 125 and 126:
Financial Expert’s Corner William
Page 127 and 128:
117
Page 129 and 130:
Government securities - debt securi
Page 131 and 132:
121
Page 133 and 134:
Table 11 “X” Divisor Lump Sum
Page 135 and 136:
committed or being committed by ban
Page 137 and 138:
3. Deposit insurance on deposit acc
Page 139 and 140:
7. Granting high interest rates whe
Page 141 and 142:
“13. BANK’S NICHE MOSTLY CONSIS
Page 143 and 144:
Sample Claim Form (Page 2) Annex D
Page 145 and 146:
Sample Special Power of Attorney An
Page 147 and 148:
the prudential guidelines set by th
Page 149 and 150:
Sec. 5. Maximum Annual PERA Contrib
Page 151 and 152:
Sec. 13. Penalty on Early Withdrawa
Page 153 and 154:
(b) Invest the contribution without
Page 155:
EDITORIAL BOARD Chairperson : Valen
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