FWD/Cebuana Financials - Insurance @ Market Market
2025.01.31 03:17 Western_Swimmer_762 FWD/Cebuana Financials - Insurance @ Market Market
Same experience po nung Tuesday (Jan 28, 2025). Nabudol ako sa Market Market. Napadaan lang ako sa mall para bumili ng ice cream sa DQ bago ako pumunta sa work, then papalabas na ako ng mall, biglang may lumapit sakin near Mall Exit malapit sa BPI. Sabi nya, saglit lang daw mga 30 mins lang. Nag offer sya na isasali nya ako sa pa-raffle ni Cebuana at tinanong nya ako kung ilang credit cards meron ako and kung magkano ang available credit limit ko kada card. Sabi nya, every 10K na limit ko, merong 1 raffle entry. Ginawa nya yun para ma excite ako, kasi malaki ang chance kong manalo dahil malaki daw limit ng mga cards ko.
After ko isulat yung mga details ko sa isang maliit na papel dun sa booth nila, kinuha nya ID ko at sinabihan akong need ko daw umattend ng meeting nila kasi ayun yung reason bat isasali ako sa raffle. Then, may makukuha daw akong gift after meeting. Ang goal is, para ma endorse nila yung Cebuana Financials as a bank at mga products nila. Need ko lang daw makinig at sabihin dn sa mga friends at kakilala ko.
Maya maya, umakyat kami sa 3rd floor at pinakita niya sakin yung branch nila. Tapos, pinakilala nya ako sa Supervisor nya at isa pang employee na mag didiscuss nung product. Then, pinaupo ako sa isang table at nag start na idiscuss sakin yung purpose ng raffle at nag start na magdiscuss na partner daw nila si FWD at Securitybank tapos nag ooffer sila ng insurance at maganda daw ito compare sa iba. Bale Savings + Investment + Insurance at once a year lang babayaran at pinakita sakin yung benefits at kung magkano. Nagulat ako kasi 100K yung gusto nyang i avail ko since malaki nman daw credit limit ng mga cards ko at ipon nman daw yung ii-swipe sa card ko. Sabi pa nya, kung nakakabili nman ako ng iPhone, bat hnd ko kaya mag-ipon at kikita pa daw ako sa product nila. Sabi ko, sobrang laki naman tapos sabi ko na wala nman sa usapan na mag avail ako ng insurance.
Sabi nya, sayang nman daw kung hnd ako mag aavail kasi naka promo sila. Yung gift na tinutukoy nya ay yung 10% interest rate at kung next time ko iaaval, 4% interest nalang daw makukuha ko. I tried to decline. Sinabi ko, sa ibang araw babalik nalang ako, kasi malelate na ako at papasok pa ako sa office. Sinabi ko din na need ko munang pag-isipan kasi ang mahal nung insurance nila, pero mapilit sila at mapepressure ka tlaga. Sabi pa sakin, pwede nman i-installment at sayang yung 10% na promo as gift ko maliban sa raffle entries. Kahit kinakabahan na ako, pinapaligiran nila ako, hindi sila tumitigil hanggat hnd ako mag-aavail ng insurance. Sinabi nya next time ko nalang daw gawing 100K pagkaya ko na, kasi pwede nman daw pataasan. Pwede nman daw ako mag 32K muna which is yung pinaka mababa nila. Then, may tumabi sakin na another employee na may hawak ng credit card terminal. Sa sobrang pressure nilabas ko na credit card ko. Nung iniswipe yung card, hnd pala installment, straight payment na magkaibang transactions 32K for FWD (Set for Life) at 2500 (Insurance) kay Cebuana. Then, nung nagtanong ako akala ko installment, sabi nya, pwede ko nman daw itawag sa bank para iconvert sa installment. Then, binigay na nila yung mga papers at nagmadali na ako umalis kasi late na ako papasok ng office.
Pagpasok ko sa office, nag research agad ako at nakita kong madami pala silang complaints at modus talaga nila yung mangloko ng mga tao sa malls. The same day, iniscan ko na yung Valid ID ko, Receipts, Bank Statement (Proof ng Bank Account kung saan irerefund yung 32K) at finillupan ko na yung form from FWD website. Thankful ako sa post na ito sa Reddit at nalaman ko yung 15-day Cool Off Period. After ma complete yung mga documents, nag email na ako sa FWD at naka-CC yung Insurance Commision. Tinawagan ko dn yung Customer Service nila para iconfirm kung na receive ba nila yung email ko. Then, sabi sakin ipaprocess daw kila yung refund within 8 working days.
Kinabukasan, nag email nman ako sa Cebuana Cares para nman sa 2,500 na insurance, naka-CC dn yung Insurance Commision para matakot. Maya maya, nagreply, tapos sabi need ko pumunta ng branch for refund at mag prepare ng Letter for Refund Request, Valid ID, Bank Statement at Receipts. Pagdating sa branch, kinausap ako ng isang Financial Advisor at tinatanong ako ba't daw ako magka-cancel. Tapos, sinabi ko na may bad experience ako sa knila at madami silang complaints. Then, sinabi nya, kung nag research daw ba ako about sa product nila at binasa yung reviews ng mga satisfied customers. Sabi ko, wala akong makitang satisfied customers at pagsearch sa Google, bad reviews agad sa Reddit. Tapos, kinuwento ko kung paano ako pinilit ng mga employees nila at sinabi nya mismo sakin na protocol daw nila yun as employees ni Cebuana, sumusunod lang daw sila sa utos. Pero, tinuloy ko parin ang pag request at ang processing daw ng refund sa 2,500 is within 30 days.
Sana po helpful itong comment ko for awareness :)
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2025.01.31 03:17 VigilantCMDR Posh show scam happened to me - poshmark told me to sign for package and they would refund, they are now denying refund? What should I do?
Posh show scam happened to me - poshmark told me to sign for package and they would refund, they are now denying refund? What should I do?
I tried to be nice and sign because poshmark told me to as I tried to cancel before - now they wont refund me and its just an automated bot. What should I do?
submitted by VigilantCMDR to BehindTheClosetDoor [link] [comments]
2025.01.31 03:17 settingdisabler I used Apple's AI to summarize a oneshot recording, and it works ok
On Jan 3, my friend ran an Elder Scrolls themed 5e one shot, and I recorded the entire thing and ran the recording through Apple's new AI tools. The total oneshot playtime was around 6.5 hours long, and I remembered to start recording about 45 to 50 minutes in. The first recording was about 2 hours long, and the second was four-ish hours. If you ever plan on doing something like this, I'd recommend staying at 2 hours maximum for each recording. That 4 hour recording took like 30 minutes to process and summarize.
Here's the summary from the first recording session:
The group encounters Falkar, who provides a necklace with planar travel-redirecting enchantment and warns of a dangerous journey. They step through a portal, emerging on an island in a sea of lava, surrounded by the sounds of growling and small creatures. The sky is red with lightning, and the heat is intense, prompting them to question their destination and the necklace’s true purpose.I was fairly impressed with the ability to summarize the recording, that segment above is almost usable as a session summary. Please note the segments where we were waiting for the DM to get back from checking on his kid, or got off topic, or into a rules discussion, etc.
The group encounters a demonic centaur-like creature farming abyssal chickens, who orders bar devils to protect them. They attempt to pass peacefully by offering jerky as a trade, which the chickens accept. The centaur-like creature, suspicious of the group, asks their destination before they leave.
The group encounters a guarded palace and is escorted to a prison by a golden-skinned woman with cat eyes. They pass by cells and arrive at a door that opens with an iris-like mechanism, requiring an interface. The narrator then shifts the focus to a discussion about rice crispy treats and their varying flavors.
A group of adventurers, accompanied by a prisoner, arrive in a frozen village in the realm of Mol-Ball. The village is filled with the ghosts of its former inhabitants, who desperately attempt to reach the adventurers but pass through them. A dragon skeleton is discovered at a fork in the road, leading the adventurers to question its presence and the history of the village.
The group encounters a blue dragon and initiates combat. They discuss initiative order and positioning on the battlefield, with one player using a new character with a unique curse ability. The battle commences with the dragon using lightning breath, dealing significant damage to the players.
The group discusses the game mechanics, including character stats and the use of healing potions. They purchase healing potions and discuss the lore of the game world, specifically the existence of dragons and their preferred climates. The game continues with a combat encounter, where the characters use their abilities and spells to attack their enemies.
The group discusses the rules of a Dungeons & Dragons game, specifically regarding the use of magical teleportation and the effects of fear. They then proceed with their turns, with one player using a healing potion and another attacking the dragon with a magical sword. The prisoner, controlled by another player, attempts to stall the dragon by using the prisoner as a human shield.
A group of students are on a mission to retrieve a necromancer from Der Primeridia, using manic orbs and a key. They encounter a pig enemy and engage in combat, utilizing backstabs and great weapon master abilities. The students successfully defeat the pig and continue their journey, facing a dexterity saving throw from a wacky attack.
The narrator then shifts the focus to a discussion about rice crispy treats and their varying flavors.The three of us players talked about the regular, chocolate, and strawberry rice krispies while the DM checked on his kid in the crib.
The group discusses the game mechanics, including character stats and the use of healing potions. They purchase healing potions and discuss the lore of the game world, specifically the existence of dragons and their preferred climates. The game continues with a combat encounter, where the characters use their abilities and spells to attack their enemies.We needed to remind ourselves of potion rules during the fight and realized that we had forgotten to buy them, so our DM generously let us flashback to buying them while we were in town at the beginning of the one shot, then we had a brief interlude talking about Dragons in the elder scrolls universe and what it meant that there was a blue dracolich in Molag Bal's realm (AI summarized as Mol-Ball).
There are some issues, like when it summarized our prisoner running away from me and the dragon as
The prisoner, controlled by another player, attempts to stall the dragon by using the prisoner as a human shield.And my personal favorite thing from this recording:
The students successfully defeat the pig and continue their journey, facing a dexterity saving throw from a wacky attack.The ultra long recording summary is more of the same, with similar AI weirdness where it summarized our session concluding in the middle of the next fight, only for the next paragraph to continue.
It wasn't always good, but at least it was humorous. This was during another baby check:
The conversation shifts from discussing food and movies to a Dungeons & Dragons game. The players strategize their moves, including using abilities like fly and shield to defend against a group of dinosaurs. The game progresses with the players facing attacks from the dinosaurs, and they discuss the rules and mechanics of the game.The second summary is really long, so here's a link to the full thing on pastebin.
There's still a lot of issues with the AI tool, but it works well enough for now. I'll probably use this as a low-effort session summary for my next campaign, the broad summary combined with the weird AI focus on certain parts of the group discussion should help prompt my memory for actual session notes and summaries. I hope this info is helpful to any of you who are interested in this kind of thing.
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2025.01.31 03:17 GoldenMan1200 My opinion on the Winx reboot
 | Ok this is my opinion on the upcoming Winx reboot. This is my opinion and it’s completely valid if you think differently. Ok so when we got the official announcement about the reboot I was somewhat skeptical but what we have seen so far… I’m excited! I think the people on the reboot doing a great job. Given it’s a reboot it’s going to be different from the original, but that doesn’t necessarily mean it’s going to be bad. I know with the last few Winx projects we were met with disappointment. (i.e Season 8 and Fate) But with this reboot it looks like the show is going back to its roots. I think all of the girls look amazing! I think the only criticism I have is that I wish they made Musa’s hair a bit darker but that’s really it in terms of the girls casual style. I have a good amount of hope that reboot will do well. I’m going into with an open mind and will give my honest opinion. I really hope that this reboot will do good and continue to go on! submitted by GoldenMan1200 to winxclub [link] [comments] |
2025.01.31 03:17 TargetExx Can I move my Xbox account to Steam
Since the Xbox launcher on PC blows and makes the game run horribly i was hoping to move to Steam since the game is on sale.
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2025.01.31 03:17 bot_olini Por esta razón te pueden deportar de Estados Unidos, no importa si eres legal
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2025.01.31 03:17 Both_Owl_2393 Coke Steak, Mashed, Corn
 | Coke Steak = 2 lb round steak, 1 bottle of Wattaburger spicy ketchup, 1- 12oz can of Coke. You can also add peppers and/or onions. Brown steak, layer in a crock pot, add ketchup and Coke cook on high for 3 hours. submitted by Both_Owl_2393 to stonerfood [link] [comments] |
2025.01.31 03:17 Simple-Passenger5562 Son having trouble keeping his hands and mouth to himself
My 5 year old son has been having trouble at school keeping his hands off others. Today I received a message from his teacher that he had his mouth on the hood of the kid in front of him. She also says he is always trying to touch or poke when in close proximity to another student. He’s put other random items in his mouth before as well (at school). I’m not sure what to do to help. At home he doesn’t really do this at all. Sometimes I do have to remind him that his brother doesn’t want to be touched if he’s messing with him, and then he just stops. The teacher also has said that he has a hard time focusing. I kind of chalked that up to being a 5 year old boy. But I’m stuck as to how to help at school with the touching and putting things in his mouth. Any ideas?
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2025.01.31 03:17 Abovedivinus My Arisen and Pawn “Lufi”. Always loved the trope of the “main guy” being smaller than his partner. S/o FMA. S/o gentle giants. Unmoored arc at the end lmao
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2025.01.31 03:17 Gioman_08 What are the most bass heavy iems?
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2025.01.31 03:17 l0nelystoner420 Thoughts on putting these on every order?
 | Has anyone ever tried this? Would like to know the results and/or what you guys think. submitted by l0nelystoner420 to doordash_drivers [link] [comments] |
2025.01.31 03:17 _BMS Silverfast 9, where do I set prescan to 8x?
It's extremely time consuming that the software is telling the scanner to re-scan every single time I zoom in or out. I've read that in Silverfast 8 there's a high resolution prescan option in preferences that you can set to 8x to avoid this, but it seems like the option has either moved or disappeared in Silverfast 9.
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2025.01.31 03:17 Jstar338 Guess I'm going for a run outside
It was nothing. I really hoped after the whole "the joke is on you is a bad joke" line, but shame on me for believing. I don't think the sub recovers from this, unless the TC website updates in like 3 minutes.
It won't anyways.
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2025.01.31 03:17 Censius Artistically, what's your favorite map in video games?
 | submitted by Censius to videogames [link] [comments] |
2025.01.31 03:17 razzledazzle113 guys i main recoome am i cooked
i NEED answers
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2025.01.31 03:17 Impressive-Rain7434 Defense?
Im making a defense build but idk what to choose between a male earthling or a male saiyan, whats better for a defense build? (Ive already tried male maijun, but it didnt work for me.)
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2025.01.31 03:17 tavskeez Took some cellphone pics at the top level of Roseville Galleria. Which is the best shot?
 | submitted by tavskeez to C8Corvette [link] [comments] |
2025.01.31 03:17 officetitan I am so sneaky
https://youtu.be/O5Y3tpkYIus?si=GoukunOCVHqV2zEV
submitted by officetitan to lowsodiumhunt [link] [comments]
2025.01.31 03:17 Capital_Accountant21 Vampire knight keychain.
 | I got this given to me by a sweet lady trying to get rid of some of the items she owned! It was a keychain from Vampire Knight! I've been seeing the charm be made into a necklace on places like depop and was wondering if it costed anything before I used the charm and turned it into a necklace for myself just for personal use. It says it's a limited collector item. If it's not worth much I'll turn it into a necklace but if it is then I'll keep it as a keepsake? Not sure LOL If someone can let me know if it's actually valuable that would be great ^ submitted by Capital_Accountant21 to shoujo [link] [comments] |
2025.01.31 03:17 Terminal_Prime How can I describe this hair style at GreatClips without showing the picture
 | submitted by Terminal_Prime to HairCircleJerk [link] [comments] |
2025.01.31 03:17 The_lgnd Combo card
Combo card delivered today! At the very least I feel relief that in case of any emergency I can actually go and check on my family.
However would prefer to wait for the GC before I even attempt to travel.
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2025.01.31 03:17 stopimpersonatingme How do I make this house look better? Should I change the textures? Improve the windows? Add a porch? etc?
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2025.01.31 03:17 Djf47021 Photos of G-Unit From 2003-2005
 | submitted by Djf47021 to HipHopImages [link] [comments] |
2025.01.31 03:17 Denguinho186 anyone else having this issue?
 | My game simply wont work, it just stays on this screen and i never get to play, i tried deleting and Reinstalling cache but it did not work (those hours i spent waiting for it to download were kinda painful) any tips? im kinda desperate because i wanna farm for the enstars colab but i cant even enter the game (also this is a new account idk if thats relevant) submitted by Denguinho186 to ProjectSekai [link] [comments] |
2025.01.31 03:17 Robert694n 2008 pontiac g5 (cobalt) 2.2 4k rpm whining noise
 | submitted by Robert694n to Chevy [link] [comments] |