tag:blogger.com,1999:blog-74711800982781373112023-06-20T06:38:47.672-07:00Phils. BANK TIME-DEPOSIT @ 20%p.a.Phils. BANK TIME-DEPOSIT @ 20% p.a.http://www.blogger.com/profile/11695425597555234386noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-7471180098278137311.post-47155578885058950122007-04-06T00:57:00.001-07:002007-04-06T00:58:37.756-07:00Phils. BANK TIME-DEPOSIT @ 20%p.a.<p class="MsoNormal"><span style=";font-family:";font-size:16;" lang="EN-US" >“A Bank Time-Deposit that Doubles your money in 5-years”<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:16;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:16;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:16;" lang="EN-US" ><span style=""> </span></span><b style=""><span style=";font-family:";" lang="EN-US"><span style=""> </span></span></b><b style=""><span style=";font-family:";font-size:11;" lang="EN-US" >5-Year BANK TIME-DEPOSIT Product:<span style=""> </span>CTD Monthly<o:p></o:p></span></b></p> <p class="MsoNormal"><b style=""><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></b></p> <p class="MsoNormal"><b style=""><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></b></p> <p class="MsoNormal" style="margin-left: 30pt;"><b style=""><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></b></p> <ul style="margin-top: 0in;" type="square"><li class="MsoNormal" style=""><i style=""><span style=";font-family:";" lang="EN-US">“GUARANTEED</span></i><span style=";font-family:";" lang="EN-US"> <b style="">20%</b> Interest Rate per annum <i style="">(TAX-FREE)”</i><o:p></o:p></span></li><li class="MsoNormal" style="text-align: justify;"><span style=";font-family:";" lang="EN-US">Interest paid monthly for 60 months (5 years), starting 30 days<o:p></o:p></span></li></ul> <p class="MsoNormal" style="margin-left: 0.25in; text-align: justify;"><span style=";font-family:";" lang="EN-US"><span style=""> </span>after deposit<o:p></o:p></span></p> <ul style="margin-top: 0in;" type="square"><li class="MsoNormal" style="text-align: justify;"><span style=";font-family:";" lang="EN-US">Deposits insured by Philippine Deposit Insurance Corporation <o:p></o:p></span></li></ul> <p class="MsoNormal" style="margin-left: 0.25in; text-align: justify;"><span style=";font-family:";" lang="EN-US"><span style=""> </span>(PDIC) maximum of Php 250,000.00<o:p></o:p></span></p> <p class="MsoNormal" style="margin-left: 0.25in; text-align: justify;"><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.25in; text-align: justify;"><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><span style=""> </span><span style=""> </span>Mechanics: (sample illustration)<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span lang="EN-US" style="font-family:Wingdings;"><span style="">Ø<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";" lang="EN-US">For a <b style="">Php 1,000,000.00</b> placement<o:p></o:p></span></p> <p class="MsoNormal" style="margin-left: 0.25in;"><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span lang="EN-US" style="font-family:Wingdings;"><span style="">Ø<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";" lang="EN-US">Earn interest of <b style="">Php 16,666.66/month</b> for the next 60 months, <span style=""> </span>thus interest earnings amount to a total of <b style="">Php 1,000,000.00</b> <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";" lang="EN-US"><span style=""> </span><o:p></o:p></span></p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><!--[if !supportLists]--><span lang="EN-US" style="font-family:Wingdings;"><span style="">Ø<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";" lang="EN-US">Principal Sum of Php1,000,000.00 will be released upon maturity date<o:p></o:p></span></p> <p class="MsoListParagraph"><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";" lang="EN-US">Minimum placement: Php 100,000.00<o:p></o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";" lang="EN-US">Member: Philippine Deposit Insurance Corporation (PDIC)<o:p></o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";" lang="EN-US">Email Proponent at: <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span lang="EN-US"><a href="mailto:finance_phils@yahoo.com"><b style=""><span style=";font-family:";color:#000000;" >finance_phils@yahoo.com</span></b></a></span><b style=""><span style=";font-family:";" lang="EN-US"><o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span style=";font-family:";" lang="EN-US">philbankproducts@yahoo.com<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><i style=""><span style=";font-family:";" lang="EN-US">Mobile (+63) 922 888 6597<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.25in;"><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></i></p> <p class="MsoNormal" style="margin-left: 0.25in;"><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></i></p> <p class="MsoNormal" style="text-align: center;" align="center"><span lang="EN-US" style="font-size:8;"><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:16;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";font-size:16;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";font-size:16;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:16;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span style=";font-family:";font-size:16;" lang="EN-US" >“There’s always Smart & Safe place for your money”<o:p></o:p></span></b></p> <p class="MsoNormal"><b style=""><span style=";font-family:";" lang="EN-US"><o:p> </o:p></span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b style=""><span style=";font-family:";" lang="EN-US">F</span></b><span style=";font-family:";" lang="EN-US">requently <b style="">A</b>sked <b style="">Q</b>uestions<o:p></o:p></span></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><b style=""><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" >How safe are my deposits?<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.5in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Investment secured by Certificate of Time Deposit (CTD) or bank passbook.<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.5in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Bangko Sentral ng Pilipinas (BSP) is the governing body of all banks. <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><span style=""> </span>(visit <b style="">www.bsp.gov.ph</b>)<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Deposits insured with Philippine Deposit Insurance Corporation (PDIC) up to Php 250,000.00 (for PDIC, inquiries please visit website </span><span lang="EN-US"><a href="http://www.pdic.gov.ph/"><b style=""><span style=";font-family:";font-size:11;color:#000000;" >www.pdic.gov.ph</span></b></a></span><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><b style=""><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" >Why can rural banks give high interest rates on our time-deposits?<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Bangko Sentral Ng Pilipinas (BSP) is granting higher tax incentives to rural banks over commercial banks since this will help Small and Medium Enterprises (SMEs) in the country. <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Per BSP manual Sec. X242, there is no ceiling in giving interest rates.<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><b style=""><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" >Why are interest rates on our time-deposits in commercial banks low?<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Commercial banks borrowing rate is also low ( 12-14% p.a. ) compared to borrowing rate of our rural banks (36%).<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><b style=""><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" >What are <span style=""> </span>your <span style=""> </span>outlet <span style=""> </span>of funds?<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Micro financing to SMEs by rural banks is at the rate of 36% per annum or 3% a month.<span style=""> </span>Please refer to <b style="">Entrepreneur</b><span style=""> </span>magazine August 2006 issue.<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><b style=""><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" >Any other <span style=""> </span>additional <span style=""> </span>safety nets for my deposits?<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >Advance monthly interests of 20% per annum ( 1.666% per month ) will be received regularly thereby reducing any risk exposure.<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><b style=""><i style=""><span style=";font-family:";font-size:11;" lang="EN-US" >Why should I place in a high-yield 20% p.a. double your money in 5-yr program?<o:p></o:p></span></i></b></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >To protect the purchasing value of your money from deterioration due to “inflation”.<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal" style="margin-left: 0.25in; text-indent: -0.25in;"><!--[if !supportLists]--><span style=";font-family:Symbol;font-size:11;" lang="EN-US" ><span style="">·<span style=";font-family:";font-size:7;" > </span></span></span><!--[endif]--><span style=";font-family:";font-size:11;" lang="EN-US" >There is always a need to “diversify” your investments into various financial portfolios to ensure the growth of your savings fund.<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:11;" lang="EN-US" ><o:p> </o:p></span></p>Phils. BANK TIME-DEPOSIT @ 20% p.a.http://www.blogger.com/profile/11695425597555234386noreply@blogger.com2