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PHOTOS: NU Clobbers Adamson

The NU Bulldogs win a laugher against the Adamson Soaring Falcons, 62-25, the lowest scoring output in recent memory.

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Register for The Agency, PEx's newest Showbiz RPG!

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Kenshin Stars, Director to Visit Manila

Director Keishi Otomo and actors Takeru Satoh, Emi Takei and Munetaka Aoki are flying to Manila to grace the Premiere of Kyoto Inferno.

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UAAP Basketball Power Rankings: Week 3

There's a new number one in this week's UAAP Basketball Power Rankings.

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  1. #1

    BPI Direct Save-Up....

    I availed this new BPI product, and I think this product is very suitable to those people spend money 'compulsively' on wants than needs.

    Source: http://info.bpiexpressonline.com/bpi...IDirectSave-Up

    Introducing - - BPI Direct Save-Up
    Automatic Savings and Insurance that help you achieve your life goals, payday after payday.

    SAVINGS THAT'S EASY TO START AND BUILD.


    Start your automatic savings with no initial deposit. Build it up payday after payday and earn higher interest as your balance increases. Do all these while enjoying a low monthly maintaining balance of only Php 1,000.

    SAVE WHAT YOU CAN, WHEN YOU CAN.

    Remain in control as you set aside a portion of your income automatically each payday. Simply decide how much and how often you want to save from your payroll account and it will be automatically transferred to your BPI Direct Save-Up account.

    Start saving for sure for things that really matter for as low as Php250. Just choose from among the following frequencies:

    Once a week
    Every other week
    Once a month
    Twice a month

    Got a bonus? You can also transfer funds anytime to your BPI Direct Save-Up.

    WATCH YOUR SAVINGS GROW IN REAL-TIME.

    Easily track your savings as it grows through BPI Express Phone 89-100, BPI Express Online or through the BPI Express Mobile menu on your cellphone*.

    And to help you build your savings to reach your financial goals, your BPI Direct Save-Up account does not come with an ATM card. So you can really resist withdrawing the funds you're saving!

    Should you need to access your BPI Direct Save-Up funds, just transfer the amount to your payroll account through the phone, internet or even your cellphone, then withdraw the amount from your payroll account.

    * Initially available to Globe subscribers

    FEEL EVEN MORE SECURE WITH FREE AYALA LIFE INSURANCE.

    Get that extra protection for your family at no extra cost. By opening a BPI Direct Save-Up account, you automatically get FREE Ayala Life insurance coverage, no medical check-ups or premium payments required!

    The amount of your insurance coverage is equal to as much as 10x your account balance**, up to a maximum of Php 4 million!

    Basic Life : 5x your account's average MTD-ADB up to Php 2 million.
    Accidental Death : additional 5x your account's average MTD-ADB up to Php 2 million.
    Accidental Dismemberment in accordance with the Schedule of Dismemberment Benefits, up to Php 2 million.

    In case of joint accounts, the benefits will be computed based on the Insured's equal share of the account's average MTD-ADB.

    So, the higher the deposit balance in your BPI Direct Save-Up account, the higher your insurance coverage.

    Plus, to make the designation of your beneficiaries more convenient, the hierarchy of beneficiaries will be set for you upon opening your BPI Direct Save-Up account.

    Your BPI Direct Save-Up account comes with an Info Card. It contains your account number, card number and Joint Account Indicator (JAI) - - important information you need when you access your account. This Info Card will also serve as proof of your FREE Ayala Life Insurance.

    With the new BPI Direct Save-Up account, there's finally an account that will help you to really save payday after payday while having that extra protection for your family at no extra cost!

  2. #2
    3 months na ako dito. nung umpisa, medyo nap praning ako kasi nung tsinek ko yung payroll ko online parang kulang ng 1.5k. tpos sabi nung agent na kausap ko, sir diba naka direct save up kayo? lol stupid no! pero meron ding time na hindi ako automatic nadeductan. kaya nag complain ako. naaksyunan naman kgad.
    FYI, hindi lang sya automatic deduction, pwede mo din lagyan manually. dun sa payroll account mo, click mo lang funds transfer tpos piliin mo yung acct number ng direct save up mo. kahit 20 pesos papasok yun at real time.

  3. #3
    merun din ako netoh...

    nakakapraning nga lang minsan kase parang lage kulang pera mo hahahah

  4. #4
    Quote Originally Posted by bluesoda00;29287669[B
    ]FYI, hindi lang sya automatic deduction, pwede mo din lagyan manually. dun sa payroll account mo, click mo lang funds transfer tpos piliin mo yung acct number ng direct save up mo. kahit 20 pesos papasok yun at real time.[/B]
    Yes, you can transfer funds to your Save-Up Account anytime you want aside from the scheduled fund transfer you've chosen....

  5. #5
    Quote Originally Posted by Johny Wad View Post
    merun din ako netoh...

    nakakapraning nga lang minsan kase parang lage kulang pera mo hahahah
    That's the spirit (lol). We all need to save a portion of our hard earned money which we earn every month. Afterall, you'll benefit from this....

  6. #6
    practiswatupreach
    Join Date
    Dec 2006
    Location
    pagsasabuhay
    speaking of bpi, anyone here who has an SDA (Special Deposit
    Account). I've noticed tumataas nga rate nia every month pero yong trust fee tumataaas din, nagstart ng .10% to .30% na
    last maturity date, ewan ko lang the next due date. initial deposit
    is 5,000.

  7. #7
    nakakapagipon ako (finally!)
    dahil dito.. nakikita ko kasi na hiwalay ang ipon account sa gastos account.. so kahit pwede ilipat ang pera mula sa ipon patungong gastos.. nanghihinayang ka...

    tapos pag nakikita mo parang ang liit ng balance nung isa.. malulungkot ka din.. kahit ang weird kahit may ipon account ka..
    tapos yung gastos account mo 0 balance na hahaha

  8. #8
    Quote Originally Posted by abs7 View Post
    speaking of bpi, anyone here who has an SDA (Special Deposit
    Account). I've noticed tumataas nga rate nia every month pero yong trust fee tumataaas din, nagstart ng .10% to .30% na
    last maturity date, ewan ko lang the next due date. initial deposit
    is 5,000.
    Initial deposit PHP 5,000 for SDA???? Initial deposit sa SDA at BPI is P100,000.00, increments of PHP100.00. This time, .50% na ang trust fee. I do have SDA at BPI kaya I know that....

  9. #9
    Quote Originally Posted by Cookie_Mobster View Post
    nakakapagipon ako (finally!)
    dahil dito.. nakikita ko kasi na hiwalay ang ipon account sa gastos account.. so kahit pwede ilipat ang pera mula sa ipon patungong gastos.. nanghihinayang ka...

    tapos pag nakikita mo parang ang liit ng balance nung isa.. malulungkot ka din.. kahit ang weird kahit may ipon account ka..
    tapos yung gastos account mo 0 balance na hahaha
    Hehe. At least, totoong nakakaipon ka. Good thing about this Save-Up Account is that very minimal lang ang required transfer only PHP500.00 per month. Mas makatotohanan yung concept, because everyone (especially who are employed) are capable to saving PHP500.00 a month. Hehe. Magastos ka man, at least you have saved a portion of your money. For those who knows how to manage their finances, are willing to transfer to their save-up account like 30%-50% of their net salaries in a month....

  10. #10
    practiswatupreach
    Join Date
    Dec 2006
    Location
    pagsasabuhay
    Quote Originally Posted by business_guy View Post
    Initial deposit PHP 5,000 for SDA???? Initial deposit sa SDA at BPI is P100,000.00, increments of PHP100.00. This time, .50% na ang trust fee. I do have SDA at BPI kaya I know that....
    Sorry. I stand corrected. The Php 5,000 pala is for Current Account. Still, the same querry - bakit tumataas din ang trust fee. Di ba Mutual Funds may trust fees din. If so, does it change too?
    And how do they compute net yield sa SDA.
    Also, bpi pala dsnt give copy of the withdrawal slip pala for SA unless it's the client's own volition to make a duplicate copy kasi wala din passbook.

  11. #11
    Quote Originally Posted by abs7 View Post
    Sorry. I stand corrected. The Php 5,000 pala is for Current Account. Still, the same querry - bakit tumataas din ang trust fee. Di ba Mutual Funds may trust fees din. If so, does it change too?
    And how do they compute net yield sa SDA.
    Also, bpi pala dsnt give copy of the withdrawal slip pala for SA unless it's the client's own volition to make a duplicate copy kasi wala din passbook.
    Tumaas ang trust fee for SDA, is basically bank's prerogative. Trust fee in SDA is bank's way to earn from SDA. Ang trust fee sa SDA changes every now and then, if the bank wants to gain profit, tataasan ang trust fee, pag feel ng bank magbigay ng high interest sa clients, they lower the rate of trust fee. Gross rate of SDA is the same to all banks, because BSP is the one who gives the rate, pero ang net interest sa banks nagkakaiba, because of trust fee. About mutual funds, as long as your placement exceeds the required tenure (i.e. Ayala Mutual Fund has a tenure of 6 months from the time of investment), kung ano ang prices per share on that day, yun din ang makukuha mo if you're making a redemption.

    for SDA, assuming you'll be placing P1 million for 30 days:

    Gross Rate: 6.1875%
    Net of Witholding Tax: 4.9500%
    Trust Fee: 0.50%
    Net Interest: 4.45685%

    Interest=(1,000,000 x .0445685 x 30)/360

    Interest (Net)= P3,714.04

    About withdrawal issues, if you want to have a copy of withdrawal slip, you make duplicate copy. kahit atm pa yung account mo, as long as you withdraw over-the-counter, make two copies. Passbooks is still offered to clients. If certain BPI branch (except the BPI Kiosks inside the malls) did not allow you to open a regular passbook savings account, you may call 89-100 to make a complaint to a certain branch who refused you to open a passbook account. Yes, BPI encourages customers to open an atm account as it is really more convenient way to access your funds, pero if the client still wants passbook, they have to give what the customer wants. The maintaining balance of passbook is quite higher than atm. maintaining is P10,000. To earn interest, maintain P25,000.00. For atm, maintaining is P3,000 to earn interest, P5,000....

  12. #12
    kebs ko ~shalala~'s Avatar
    Join Date
    Jun 2006
    Location
    up on the rooftop
    i have this account, too. true nga na minsan nakakalimutan mo yung auto-transfer, tapos makikita mong kulang pera mo. haay! buti na lang sa ipon napupunta noh, kesa naman magulat ka na lang na nawala pera mo sa walang kwentang bagay. hehe.

  13. #13
    Jobless again! Back to PEX! haripoter's Avatar
    Join Date
    Feb 2005
    Location
    Manila
    hi i have a bpi atm account but this one sounds interesting...
    may i know what are the requirements to avail this one?
    thanks....

  14. #14
    @ haripoter

    payroll account ba *** account mo? kelangan kase payroll account para every month may babawasin.

    kung regular savings account parang wala ng point kase nga steady lang *** pera dun kase nga savings.

    kelangan monthly may dumarating na pera para may mababawas.

  15. #15
    Jobless again! Back to PEX! haripoter's Avatar
    Join Date
    Feb 2005
    Location
    Manila
    @Johny Wad

    oh i see...

    sob! regular atm account lang po ...

    so ang number one requirements pala neto ay meron kang job para merong nababawas sa income per mos. ...

    so far job hunting palang ulit ako... but in case magkajob ulit ako... try kong mag-avail ng account na ito... sounds okay with me kasi e... ehhe

    thank you po...

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  17. #16
    Quote Originally Posted by haripoter View Post
    @Johny Wad

    oh i see...

    sob! regular atm account lang po ...

    so ang number one requirements pala neto ay meron kang job para merong nababawas sa income per mos. ...

    so far job hunting palang ulit ako... but in case magkajob ulit ako... try kong mag-avail ng account na ito... sounds okay with me kasi e... ehhe

    thank you po...
    This is ideally for payroll accounts, pero, if you have regular savings account (atm savings account), you can still avail the 'Save-Up'. Para di maubos yung main savings account mo, try to shed PHP500 a month from your savings to Save-Up Account. You don't need to wait for a job just to avail this product. For as low as PHP500/month, you can have a secure savings with insurance. Di ka pa nagbabayad ng premiums....

  18. #17
    practiswatupreach
    Join Date
    Dec 2006
    Location
    pagsasabuhay
    Quote Originally Posted by business_guy View Post
    Tumaas ang trust fee for SDA, is basically bank's prerogative. Trust fee in SDA is bank's way to earn from SDA. Ang trust fee sa SDA changes every now and then, if the bank wants to gain profit, tataasan ang trust fee, pag feel ng bank magbigay ng high interest sa clients, they lower the rate of trust fee. Gross rate of SDA is the same to all banks, because BSP is the one who gives the rate, pero ang net interest sa banks nagkakaiba, because of trust fee. About mutual funds, as long as your placement exceeds the required tenure (i.e. Ayala Mutual Fund has a tenure of 6 months from the time of investment), kung ano ang prices per share on that day, yun din ang makukuha mo if you're making a redemption.

    for SDA, assuming you'll be placing P1 million for 30 days:

    Gross Rate: 6.1875%
    Net of Witholding Tax: 4.9500%
    Trust Fee: 0.50%
    Net Interest: 4.45685%

    Interest=(1,000,000 x .0445685 x 30)/360

    Interest (Net)= P3,714.04

    About withdrawal issues, if you want to have a copy of withdrawal slip, you make duplicate copy. kahit atm pa yung account mo, as long as you withdraw over-the-counter, make two copies. Passbooks is still offered to clients. If certain BPI branch (except the BPI Kiosks inside the malls) did not allow you to open a regular passbook savings account, you may call 89-100 to make a complaint to a certain branch who refused you to open a passbook account. Yes, BPI encourages customers to open an atm account as it is really more convenient way to access your funds, pero if the client still wants passbook, they have to give what the customer wants. The maintaining balance of passbook is quite higher than atm. maintaining is P10,000. To earn interest, maintain P25,000.00. For atm, maintaining is P3,000 to earn interest, P5,000....
    Thanks for the info esp.on d non-issuance of passbook if account will be opened thru mall branches.
    Back to the SDA computation. How did you get 4.45685% in your
    example coz I got 4.92525%. What if d Gross Yield is 5.9375% and Trust fee is 0.30%, what would be the Net Yield and d resulting Net interest.
    Thanks again for any input and GOD BLESS!

  19. #18
    Quote Originally Posted by abs7 View Post
    Thanks for the info esp.on d non-issuance of passbook if account will be opened thru mall branches.
    Back to the SDA computation. How did you get 4.45685% in your
    example coz I got 4.92525%. What if d Gross Yield is 5.9375% and Trust fee is 0.30%, what would be the Net Yield and d resulting Net interest.
    Thanks again for any input and GOD BLESS!
    trust fee of 0.50% is not basically computed as 4.95 x .005. The 0.5% trust fee is being computed as 4.95% - 0.5% = 4.45%. Now, you'll wonder why it arrive at 4.45685%, that is because, the actual figure of trust fee is 0.49315%, so they round it up to 0.5%, but the computation is actually 4.95%-0.49315%....

  20. #19
    ako nagkaproblem dito kasi yung savings account ko nagkaroon ng deduction tapos di naman agad nagreflect sa account ko. Nabawasan ng 5000 yung savings account ko pero di naman nalipat sa BPI save up ko. Help po tuwing nababawasan ba yung sa payroll nyo o source account nyo real time din yung marereflect sa save up account? Tumawag na ko sa 89-100 pero it will take 5 banking days pa. Hayy scary talaga. Help naman po.

  21. #20
    Quote Originally Posted by mystique_lady View Post
    ako nagkaproblem dito kasi yung savings account ko nagkaroon ng deduction tapos di naman agad nagreflect sa account ko. Nabawasan ng 5000 yung savings account ko pero di naman nalipat sa BPI save up ko. Help po tuwing nababawasan ba yung sa payroll nyo o source account nyo real time din yung marereflect sa save up account? Tumawag na ko sa 89-100 pero it will take 5 banking days pa. Hayy scary talaga. Help naman po.
    Do you have the info-card???? Everytime na nababawasan yung source account mo, the amount debited will be credited automatically to your Save-Up account in real-time. May I know if you are using BPI Express Online or BPI Express Phone????

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