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Copyright 2013 by the Philippine Deposit Insurance Corporation ISBN 978-971-95717-0-4 All Rights Reserved. No part of this book may be reproduced in any medium, except for brief excerpts for purpose of review, without prior written permission from the publisher. Published by the Philippine Deposit Insurance Corporation (PDIC) Written by Efren Ll. Cruz, RFP Edited by PDIC Editorial Board Cover design by Big Shift Creativ Centrale
= Usapang Pera: Mga Dapat Alamin A PDIC Guidebook on Basic Banking & Financial Transactions Edited by the Editorial Board of the Philippine Deposit Insurance Corporation “ Committed to Serve”
Page 5 and 6: Foreword Through the Philippine Dep
Page 7 and 8: insured deposits. This Guidebook is
Page 9 and 10: Table of Contents A Brief History o
Page 12 and 13: Just like in the United States of A
Page 14: Table 1 1 Maximum Deposit Insurance
Page 17 and 18: Money is Important 7
Page 19 and 20: A Brief History of Money At the hou
Page 21 and 22: Different Forms of Money Seeing his
Page 23 and 24: Financial Expert’s Corner They sa
Page 26 and 27: The Different Life-Event Stages Six
Page 28 and 29: “In our case, we are saving up fo
Page 30 and 31: The next life-event stage is where
Page 32 and 33: How to Save Mang Domeng, as if to r
Page 34 and 35: Financial Expert’s Corner Saving
Page 36: Why and How to Save 1. There are ma
Page 39 and 40: A few minutes later, Tessie is alre
Page 41 and 42: • Suspicious transactions are tra
Page 43 and 44: Financial Expert’s Corner In acco
Page 45 and 46: Banks may or may not issue an ATM c
Page 47 and 48: He says that all that bank tellers
Page 49 and 50: Tessie expresses some concerns. “
Page 51 and 52: Aling Lorna smiles and continues,
Page 53 and 54:
Located on the upper left hand corn
Page 55 and 56:
Financial Expert’s Corner To avoi
Page 57 and 58:
Mang Domeng says to Aling Lorna,
Page 59 and 60:
Financial Expert’s Corner It shou
Page 61 and 62:
In closing the deposit account, you
Page 64 and 65:
It’s 5:30 AM on a Wednesday, and
Page 66 and 67:
The over-reliance on heuristics giv
Page 68 and 69:
Financial Expert’s Corner Money a
Page 70 and 71:
Financial Expert’s Corner It can
Page 72 and 73:
Ponzi Schemes and Pyramiding Aling
Page 74 and 75:
But before the couple leaves, Harry
Page 76:
More Than Just Interest Rates 1. He
Page 79 and 80:
PDIC is also authorized to investig
Page 81 and 82:
Unable to suppress his smile, Orly
Page 83 and 84:
depositors who have obligations wit
Page 85 and 86:
The agent in a “By” deposit and
Page 87 and 88:
Financial Expert’s Corner Effecti
Page 89 and 90:
3. How much is Fe Santos’s insure
Page 91 and 92:
Member: PDIC 1. PDIC was created by
Page 94 and 95:
It is just two weeks before Mang Do
Page 96 and 97:
Figure 8 Investment Risk Profile* I
Page 98 and 99:
cash or near cash account. Such acc
Page 100 and 101:
Financial Expert’s Corner For lon
Page 102 and 103:
Ed says, “In their simplest form,
Page 104 and 105:
Stocks Mang Domeng notices a bewild
Page 106 and 107:
“You see, Nanay, although they ar
Page 108 and 109:
Financial Expert’s Corner The adv
Page 110 and 111:
Other Places to Put Your Money 1. W
Page 112 and 113:
It is just one more week before Man
Page 114 and 115:
Loads have a validity of one year f
Page 116 and 117:
3. Know Your Bank’s Service Fees
Page 118 and 119:
time deposit automatically renewed
Page 120 and 121:
6. Be Informed About PDIC Deposit I
Page 122 and 123:
“Orly, I am an OFW,” Mang Domen
Page 124 and 125:
Mang Domeng excitedly replies, “S
Page 126 and 127:
The Power of Information 1. You, as
Page 128 and 129:
Accrued interest - earned but still
Page 130 and 131:
Ponzi Scam - an illegal financial s
Page 132 and 133:
Determining If Your Expenses Are Ju
Page 134 and 135:
Annex B Regulatory Issuance No. 201
Page 136 and 137:
3. Granting high interest rates whe
Page 138 and 139:
ANNEX A: Deposit-Related Activities
Page 140 and 141:
BSP Circular No. 640 (Activities Wh
Page 142 and 143:
Sample Claim Form (Page 1) Annex D
Page 144 and 145:
Sample Claim Status Sheet Annex E 1
Page 146 and 147:
Annex G Republic Act No. 9505 Augus
Page 148 and 149:
(g) “PERA Investment Product” r
Page 150 and 151:
Sec. 7. Separate Asset. -The PERA s
Page 152 and 153:
(d) Disclosure requirements on the
Page 154 and 155:
entitled hereto, shall be subject t
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