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The Different Life-Event Stages Six weeks to go before Mang Domeng leaves his family for his job in the Middle East. Sonny is rushing home after getting off his school bus. He races to the room of his parents hoping to see his father there. Mang Domeng had just arrived from his pre-departure orientation seminar. Almost out of breath, Sonny reaches for his father’s hand and touches it to his forehead, the traditional sign of respect for parents and the elderly. Mang Domeng reaches for their budget and hands it over to his son. As if finding a lost treasure, Sonny shouts, “Yes!” 16 Why and How to Save
A bit puzzled, Mang Domeng asks Sonny why he is so happy. Sonny replies, “Tatay, our teacher said that each family should be saving for the future and I was trying to see if we had savings.” But just as quickly as his face lit up after discovering they had savings, Sonny’s face suddenly took on a puzzled look. Sonny asks, “Tatay, may I ask po what we are saving for in the future? I didn’t really get that part of the lesson in school.” Mang Domeng asks Sonny to sit beside him by the bedroom window, anticipating that their talk would not be a brief one. He points out to Sonny a line of ants marching across the window sill. “Anak,” says Mang Domeng, “people also save to be able to purchase a continuous supply of things that they need and want”. Why and How to Save 17
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 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 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
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Unable to suppress his smile, Orly
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depositors who have obligations wit
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The agent in a “By” deposit and
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Financial Expert’s Corner Effecti
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3. How much is Fe Santos’s insure
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Member: PDIC 1. PDIC was created by
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It is just two weeks before Mang Do
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Figure 8 Investment Risk Profile* I
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cash or near cash account. Such acc
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Financial Expert’s Corner For lon
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Ed says, “In their simplest form,
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Stocks Mang Domeng notices a bewild
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“You see, Nanay, although they ar
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Financial Expert’s Corner The adv
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Other Places to Put Your Money 1. W
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It is just one more week before Man
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Loads have a validity of one year f
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3. Know Your Bank’s Service Fees
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time deposit automatically renewed
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6. Be Informed About PDIC Deposit I
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“Orly, I am an OFW,” Mang Domen
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Mang Domeng excitedly replies, “S
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The Power of Information 1. You, as
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Accrued interest - earned but still
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Ponzi Scam - an illegal financial s
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Determining If Your Expenses Are Ju
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Annex B Regulatory Issuance No. 201
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3. Granting high interest rates whe
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ANNEX A: Deposit-Related Activities
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BSP Circular No. 640 (Activities Wh
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Sample Claim Form (Page 1) Annex D
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Sample Claim Status Sheet Annex E 1
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Annex G Republic Act No. 9505 Augus
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(g) “PERA Investment Product” r
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Sec. 7. Separate Asset. -The PERA s
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(d) Disclosure requirements on the
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entitled hereto, shall be subject t
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