BDO Branches in Ilocos Norte

As one of the biggest banks in the Philippines, Banco de Oro has many branches located in various provinces of the country. For instance, if you are living in Ilocos Norte, you can see the BDO branches located in your area in the table below.

Basically, it is not hard to open a bank account of your own. You must satisfy some requirements of the bank like initial deposit and valid identification.

This table shows you the branch’s address and the telephone number to help you in applying for a savings account.

Province Location
Address
Telephone Numbers
 Ilocos  Ilocos Norte – Batac  Aoigan Bldg., Washington St., Batac 2906 Ilocos Norte  Telephone:

792-3092
617-1556
702-6000 loc 2979

Fax:

792-3375
 Laoag – Balintawak  Cor. Rizal & Balintawak Sts. 2900 Laoag City, Ilocos Norte

Telephone:

(077) 772-0315 / 1123
771-3903
(02)702-6000 local 52948
077-772-0121

Fax:

(077) 771-4021
 Laoag – Castro  Pichay Bldg., J. P. Rizal cor. A. Castro Sts., Laoag City

Telephone:

771-54-34
771-5433
772-0266
770-3702 to 03
(02)702-6000 local 52096

Fax:

771-54-34
 Robinson’s Place – San Nicolas  Unit 1-00144 Robinson’s Place, San Nicolas, Ilocos Norte  Telephone:

(077) 670 7146 / 7147

Fax:

(077) 781 2700

Land Bank of the Philippines SWIFT Code

One of the most important information that you must know when sending remittance to the Philippines through the bank is the SWIFT code of the Philippine bank where you will send your money. It is composed of letters unique to the bank.

Each bank has its own SWIFT code so that it will be easier to transfer money from one bank to another.

For Land Bank of the Philippines, the SWIFT code is TLBPPHMM

Make sure that you know this code before going to the bank where are you located because for sure this will be needed when you fill up a remittance form.

How Gold ETF Works

If you are thinking about investing in gold, there are a lot of more profitable ways that you can exploit rather than just buy solid bars of gold and keep them with you. This is what most people do normally. They just visit the market and buy unprocessed gold and keep it in its raw form.

Then, when the rates of gold increase, they quickly cash in on their purchase and earn profits from the gold that they bought earlier. However, this is a pretty time consuming process as investing in gold and then waiting for the rates to rise might take around a year or even more. So, what if there is a way by which you could earn profits more quickly than wait for years?

For such reasons, gold ETF is created. ETF, which is also known as the Exchange Traded Fund, is a great way of earning profits for those people who are interested in investing in gold.

Learning How Gold ETF Works

Understanding how gold ETF works is very simple. A conglomerate of companies joins together and buys bullion of gold together. Then, they release shares of gold in the stock exchange, making it very easy for people to purchase these shares from their local stock exchange.

Then, when the prices of gold fluctuates even the slightest bit, shareholders get to earn higher profits due to the fact that as soon as the prices increase, the companies who own the amount of gold release their dividends for the shareholders.

The companies actually purchase the gold and keep it with them in physical storage. This is how the gold ETF works. The reason why so many people like to purchase shares on the gold ETF is because of the fact that it takes a great burden off their heads.

Disadvantages of Buying Physical Gold

When purchasing gold directly, there are a lot of issues that need to be handled. The most important of these issues revolves around the logistics of purchasing gold. You need to make sure that you purchase gold that is of high quality for the price you are paying, and also to ensure that you bring it safely to the place where you wish to deposit it.

These can bring about a lot of issues for the investor, which makes it quite difficult to buy gold. Secondly, reselling the gold also causes a problem as they need to find the right buyer who would be willing to purchase the gold at the price that you would charge.

Safely overseeing the process is also a very careful task, so in order to avoid all of these issues, what most people do is just buy shares of the gold ETF and keep it with them. This is the complete background of how gold ETF works and its advantages than buying solid gold and keeping it with you.

BDO Branches in Quezon Province

Banco de Oro is one of the largest banks in the Philippines. It is commonly known as BDO. It is the banking arm of the SM group of tycoon Henry Sy.

In Quezon province, you can see several branches of BDO where you can open a bank account for your banking or payroll needs.

In the table below, you can check the location, address, banking hours, and telephone numbers of these branches. You may also check the map of the branch by clicking the link on the “Location” column.

Province Location
Address
Banking Hours Telephone Numbers
 Quezon Province  Lucena – Enriquez  Enriquez corner Evangelista St., Lucena City
Monday to Friday
8:30 AM to 5:30 PM
 Telephone:

(042) 373- 7793 / 5556
(02)702-6000 local 52805
 Lucena – Gulang-Gulang  505 Quezon Ave. Ext., Brgy. Gulang-gulang, Lucena City
Monday to Friday
8:30 AM to 5:30 PM
 Telephone:

(042) 373 7127 / 5573
(02)702-6000 local 2538

Fax:

(042) 373 5410
 Lucena – Merchan  Merchan St. corner San Fernando St. Lucena City
Sunday to Friday
8:30 AM to 5:30 PM
 Telephone:

(042)660-3760
(02)702-6000 local 52088

Fax:

(042)373-4979
 Lucena – Quezon Avenue  Quezon Ave., cor. Profugo St., Lucena City, Quezon
Monday to Saturday
9:00 am to 6:00 pm

Telephone:

(042) 710-3468 / 2916
373-5721 to 22
660-7797
(02) 840-7000 loc 1991 /1995
702-6000 loc 2819

Fax:

(042) 373-5930
 Quezon – Candelaria  Rizal cor. Del Valle Sts., Candelaria Quezon
Monday to Friday
8:30 AM to 5:30 PM
 Telephone:

(042)741-1084
(02) 250-8414
702-6000 loc 2855
(042) 585-9070/ 585-9092

Telephone:

(042)741-1084
(02) 250-8414
702-6000 loc 2855
(042) 585-9070/ 585-9092
 SM City Lucena  G/F SM City Lucena, Pagbilao National Road, Lucena City
Monday to Sunday
10:00 AM to 7:00 PM

Telephone:

(042) 710-6108
710-6723
660-7296
(02) 889-6790
7026000 local 2182

Fax:

(02) 889-6790

What is Index ETF?

Exchange-traded fund is one of the newest investment opportunities that is becoming popular all over the world. It has many features very favorable for individual investors and newbie to investing.

ETF has a valuation characteristics with the combination of stocks and mutual funds. It can be bought or sold during the trading hours of the stock market or can be bought at the end of the day just similar to mutual funds.

It has also different types according to where the asset is invested. ETF can be index, commodity, bond, currency, leveraged and actively-managed.

Index ETF 101

An index ETF is invested in the securities of a stock market index. Its primary goal is to replicate the performance of the stock exchange index. Some index ETFs invest its assets in whole or to selected number of securities in a stock market index.

Most index ETFs invest 100% of their assets on the stocks included in a market index. This type of investing strategy is called replication. If the stock market index is up by 10%, index ETF will normally will be also up by 10% or less but not greater than 10.

Another strategy of investing that can be applied to index ETF is investing majority of the asset in the securities of the market index and the other remaining percentage in other securities, options or futures.

As of November 2010, SPDR S&P 500 is the largest index ETF in the world in terms of assets and it is invested in the securities of S&P 500 .

What are the advantages of index ETF?

One advantage of index ETF is that it is a diversified investment holding various securities in a stock market index. Once you buy it, you are buying many stocks in a single transaction saving you some transaction fees and taxes.

If you don’t want to track and monitor personally each individual stock that you want, a good alternative is to buy an index ETF since it is composed of many stocks in one fund.

Index ETF is one good alternative when you want a diversification of your portfolio. It has several benefits that new investors should consider to invest in.

Online Bank Accounts 101

Online banking actually means accessing your bank account through the INTERNET. Through this, customers have to visit the bank’s website and enter a user name and a password so they can view their online bank account and do normal transactions like the one you do when you visit the bank.

Introduction

Online banking started with the development of the Internet and email. Usually, online bank accounts are the electronic version of the account you are maintaining with your passbook.

In order to withdraw money from your account you needed to present a passbook, any other document or a bank card to the banker. The first Internet bank account was maintained for the Nottingham building society in 1983 by the Bank of Scotland.

Features

Online bank accounts allow you to do some of the transactions like money transfer from your own computer. Furthermore, the account holder is allowed to bill payment, transfer payments and many more. Usually personal online bank accounts and business online accounts are maintained in the banks.

The online account types are checking accounts, saving accounts and money market accounts. Typically, the online accounts are quick and time saving.

You don’t have to visit your bank frequently to update your account since you can view the transactions and account balance from your computer. This is an easier method and will save your time and money since you are cutting few visits to the bank.

Banks ensure the security of online bank accounts by protecting the bank’s servers with the firewalls because scammers are sometimes sending malware to their system to steal valuable information such as credit card numbers. These may lead to identity fraud and cyber thefts.

Though the bank gives the maximum security, it is your responsibility to protect your account while you are logged in. You have to use an efficient firewall and anti-virus in that case.

How to Register for Online Bank Account

To register online accounts you need to have an account with the bank or a credit or a debit card. Then you have to click sign up for online account of the bank then you will go step by step.

Your personal information like account number, name, identity card or social security numbers, mailing address, secret question and answer and you mother’s maiden name will be asked. You have to set up strong user name and password which cannot be guessed by anyone. Usually it is advised to set passwords with both letters and numbers in it.

Online banking is widely spreading all over the world and it is better that customers sign up online for their accounts to save their time and money which can be beneficial for both customer and the bank.

BDO Branches in Zambales

Zambales is one of the provinces in Central Luzon. There are few BDO branches that you can found in the entire province.

If you are looking where to open a BDO account, you can check the table below to learn more about your options. In the table below, you can see the exact address, map (when you click the link), banking hours and telephone numbers of BDO.

Province Location
Address
Banking Hours Telephone Numbers
 Zambales  Olongapo  G/F & 2nd Floor, KT Tower Rizal Ave. East cor. 18th St. Bajac, Olongapo City
Monday to Friday
8:00 AM to 5:00 PM
Monday to Friday
8:00 AM to 5:00 PM
 SM City Olongapo  GF SM City Olongapo, Magsaysay Drive corner Gordon Avenue, Brgy. Pag-asa, Olongapo City
 Subic – Times Square  420 Rizal Highway Subic Bay Freeport Zone, 2200 Olongapo City, Zambales
Monday to Friday
8:30 AM to 5:30 PM
 Telephone:

252-7050
252-2939
252-7090
( 047 ) 252 – 7070

Fax:

252-7420
 Zambales – Iba  Zambales – Pangasinan Provincial Road, Brgy. Sagapan, Iba, Zambales
Monday to Saturday
9:00 am to 6:00 pm

Telephone:

(047) 604 1064
604 1065
604-1066
604-1067
702-6000 loc: 52194

Fax:

(047) 604 1065
 Zambales – Castillejos  G/F RM Mall, National Highway, Brgy. San Nicolas, Casstillejos Zambales
Monday to Friday
8:00 AM to 5:30 PM
 Telephone:

(047) 624-1004; 624-1002; 624-0004

Fax:

(047) 624-0005

The Largest Gold Coin in the World

One of the popular investments with comes to gold investing is through gold coins. There are also other ways to invest in gold aside from gold coins such as ETF, stocks, mutual funds and gold bars.

In the US and other developed countries, it is easier to invest in gold coins because there are many sellers that are selling it. Even in eBay, you can find many sellers who are selling gold coins. In addition, as an investor you can also buy it in some banks offering gold coins and other dealers.

We know that gold coins are much the same as a regular monetary coin in shape and size but not of value. In October 2011, Perth Mint of Australia has unveiled the world’s largest gold coin weighing more than one tonne with 99.99 percent gold.

It measures 31 inches wide and 4.7 inches thick. The value of this largest gold coin is A$50 million. The weight and its purity is guaranteed by the Western Australian government. On one side of the coin, you can see the image of Queen Elizabeth II and on the other side, a leaping kangaroo.

 

Photo Credit: perthmint.com.au

Branches of BDO in Zamboanga del Sur

Banco de Oro (BDO) is the undisputed largest bank in the Philippines. It has many branches all over the country that you can see in the cities and the provinces.

The below table shows you the BDO branches located in Zamboanga del Sur with the address, map (click the link), banking hours, telephone number and fax numbers. If you want to know the valid IDs necessary for opening a BDO account, you can click this link.

 

Province Location
Address
Banking Hours Telephone Numbers
 Zamboanga del Sur Pagadian   F. S. Pajares Ave., Pagadian City, 7016 Zamboanga Del Sur
Monday to Saturday
8:00 AM to 5:00 PM
 Telephone:

(062) 214-1744 to 45 / 4839
(02) 702-6000 local 52869
 Zamboanga  Grand Astoria Hotel Annex Bldg. M.D. Jaldon St. Zamboanga City
Monday to Saturday
8:30 AM to 5:30 PM

Telephone:

(062) 991-15422
992-0341
991-7751
(02) 702-6000 local 52179
(062)9911543

Fax:

(062) 991-3217
 Zamboanga – Ipil  National Highway, Ipil, 7001 Zamboanga Del Sur  Monday to Friday Saturday

8:00 AM to 5:00 PM 9:00 AM to 4:00 PM

 Telephone:

(062) 333-2280 / 5356, 702-6000 loc 2859

Fax:

(062) 333-2380
 Zamboanga – Mayor Jaldon  Mayor Jaldon Avenue, Brgy. Canelar, Zamboanga City
Monday to Saturday
8:00 AM to 5:00 PM

Telephone:

(062) 991-0924, 992-3892 / 3889
(02) 702-6000 local 52869
062-991-1242 (service officer area)

Fax:

(062) 991-1121
 Zamboanga – Rizal St.  Rizal St., Zamboanga City, 7000 Zamboanga Del Sur
Monday to Saturday
8:00 AM to 5:00 PM
 Telephone:

(062) 991-1476 / 4804 / 7298
993-2390
(02)702-6000 local 52780

Fax:

(062) 993-2390