Four different transactions yesterday. I found it strange because i was not asked for OTPs. The investigation is on-going but the bank says its not a guarantee.

I'm planning to open a savings account either pnb or eastwest dahil sila yung walking distance na bank from our house, thinking of opening sa pnb dahil may promo sila na no fees even if bumaba sa minimum adb, but I really don't mind the minimum adb, I believe kaya ko naman mag maintain nang 3k adb, and I dont mind kung mababa ang interest, I just want to put 50% of my EF sa mga local banks just in case na kailangan agad nang pera, and the other half is stay sa digital bank. I never had any friends or colleagues na may EW bank savings, so wala din akong makuhang feed back.

Anyone na may savings either/both sa mga banks nato. Like how convenient yung online/mobile banking nila and personal experience with staffs or CS.

Thank you.

I just noticed the Insurance tab on my Komo app. They're offering term life insurance plan -critical illness, death, and disability for very low annual premium.

You get to choose your coverage:

100k for P 261 annual premium 300k for P 723 annual premium 500k for P 1,185 annual premium

Any thoughts about this or has anyone here acquired the insurance already?

Edit: added details.

I have a savings account in EWB with auto loan. Planning to transfer my savings to other banks with quality customer support.

I am having a nightmare reaching out to them. I can't fathom why they treat their customers like sh!t.

1. Customer service via phone is the worst. The agent ALWAYS hung up after having me wait for 30min. The golden time we just talked when I gave out my details after greeting me then poof gone like a wind.

2. Going to branch didn't do anything. The lady said she has NO idea and just endorsed me to call the hotline from HELL. Kill me now.

Do you have worse experiences at EWB and how did you overcame it? I never had this experiences from other banks like BPI who had really good customer service. Thanks. Need your experience to know what's my next steps.

I read somewhere that you need to choose Eastwest Rural Bank instead of just Eastwest Bank when transferring to KOMO.

Apparently, Eastwest Rural Bank is not available in the the list of banks under Instapay for Unionbank. I tried with BPI, Eastwest Rural Bank appeared on the list.

I searched for a solution to this but since KOMO is relatively new, I found no similar concerns. So I tried making a transaction again. This time, I chose Eastwest Bank instead. Luckily, the transaction went through!

Not sure if this could help someone, I just thought I needed to share this. Cheers!

Update: Found a comment by KOMO saying this is only a workaround and will be removed in the future.

Hi everyone!

I currently have PHP 500,000 which is 85% of my emergency fund. I was thinking of placing it in EastWest Bank's Peso time deposit. Rates are found below:

https://preview.redd.it/kys5td85o3441.png?width=672&format=png&auto=webp&s=d418cec47055e3bb78bee6018ddf1ab24a3492c4

I plan to get the 30-day maturity and just keep doing 30 days every time since the interest rate would be the same even if I make it 1 year. At least if it's just 30 days, the risk is lower - in case I would be needing the fund for an emergency.

If my computation is correct, 500,000 * (3%/12) * 0.8 = 1,000 So after 1 month, my money would have earned PHP 1,000.

Would just like to know your thoughts if this looks like the right and smart thing to do. Please note that I am aware of ING and CIMB's promo now but I am not comfortable YET trusting my money with a digital bank.

Thanks in advance!~

Good day people of r/phinvest! Just a little background. On March 2019, I will receive my share in our office paluwagan. Originally, I plan on using the money for a concert, but unsure if my favorite band would come to The Philippines, so I decided, to put my money in a Time Deposit Account. I researched banks, and I think Eastwest bank has the best rates I've seen so far. And I already have a SA with Eastwest and their online facility makes it easier for me to put money in their time deposit account. Is it wise to invest in a time deposit account? Or should I find other investment opportunities? (e.g. UTIFs, Mutual Funds, Banccasurance, etc.), BTW, I'm a novice in terms of investing. Hope you wonderful people can help me. Thank you!

Link to report: https://files.ontario.ca/moh-covid-19-report-en-2021-12-17.pdf

Detailed tables: Google Sheets mode and some TLDR charts

Title should be Ontario Dec 17th: 3124 Cases, 5 Deaths, 51,636 tests (6.05% pos.) 🏥 ICUs: 157 (-8 vs. yest.) (+6 vs. last wk) 💉 156,525 admin, 86.06% / 80.99% / 11.20% (+0.10%, / +0.04% / 0.98%) of 5+ at least 1/2/3 dosed, 🛡️ 12+ Cases by Vax (un/part/full): 25.75 / 18.55 / 18.79 (All: 21.08) per 100k

• Throwback Ontario December 17 update: 2432 New Cases, 2009 Recoveries, 23 Deaths, 58,178 tests (4.18% positive), Current ICUs: 282 (+5 vs. yesterday) (+40 vs. last week)

Testing data: - Source

• Backlog: 37,855 (+8,896), 51,636 tests completed (4,083.4 per 100k in week) --> 60,532 swabbed
• Positive rate (Day/Week/Prev Week): 6.05% / 4.42% / 3.27% - Chart

Episode date data (day/week/prev. week) - Cases by episode date and historical averages of episode date

• New cases with episode dates in last 3 days: 1,695 / 1,069 / 549 (+764 vs. yesterday week avg)
• New cases - episode dates in last 7 days: 2,609 / 1,589 / 894 (+1,226 vs. yesterday week avg)
• New cases - episode dates in last 30 days: 3,123 / 1,912 / 1,109 (+1,449 vs. yesterday week avg)
• New cases - ALL episode dates: 3,124 / 1,914 / 1,114 (+1,448 vs. yesterday week avg)

Other data:

• 7 day average: 1,914 (+238.7 vs. yesterday) (+799 or +71.7% vs. last week), (+1,327 or +225.9% vs. 30 days ago)
• Today's Rt estimate: 1.44

In less than a month a child shot on Christmas Day on the West Bank, a little buy murdered in New Orleans East and dumped in the street, a car rams a popular bar, children in state custody escape from detention and hijack a car, a man cuts off his girlfriends head and stores it in the refrigerator, two people are murdered in the French Quarter, a top city official is fired for a drunken tantrum after a DUI arrest,. the mayor attends a maskless party and imposes a mask mandate the next day, , a judge is indicted for tax fraud after overcharging for weddings and not reporting the money......and a partridge in a pear tree.

Lots of companies are trying to expand their market share, especially in the app market, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.

I very frequently search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $9000 worth of offers on this page.

Please feel free to leave comments with any thoughts/questions! CakeDeFi, CoinList, Celsius, Gemini, Crypto dot com, and OKCoin are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

• Webull: 2 free stocks (1 worth $3-$300, and another worth $7-$3000) for depositing just $5.
  • https://www.webull.com/activity?inviteCode=PUnH4ruayL3j&source=common
• M1 Finance: $50 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Firstrade: 1 free stock (worth $3-$200) just for opening an account! You can also optionally get a second free stock (also worth $3-$200) for depositing $100.
  • https://share.firstrade.com/AmadeoEAUZ
• Moomoo: 2 free stocks (1 worth $3-$3500, and another worth $9-$3500) for depositing just $5. Optionally, you can get an additional 3 stocks (worth $9-3500) for depositing $2000.
  • https://j.moomoo.com/00cFY4
• SoFi Invest: $25 for $100 deposit from any source, and an optional $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• Public: 1 free stock worth up to $70 just for opening an account (no deposit required!)
  • http://share.public.com/aruiu
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• **N

I have a savings account in EWB with auto loan. Planning to transfer my savings to other banks with quality customer support.

I am having a nightmare reaching out to them. I can't fathom why they treat their customers like 💩.

1. Customer service via phone is the worst. The agent always hung up after having me wait for 30min. The golden time we just talked when I gave out my details after greeting me then poof gone like a wind.

2. Going to branch didn't do anything. The lady said she has NO idea and just endorsed me to call the hotline from HELL. Kill me now.

Do you have worse experiences at EWB and how did you overcome it? I never had this experiences from other banks like BPI who had really good customer service.

Link to report: https://files.ontario.ca/moh-covid-19-report-en-2021-12-19.pdf

Detailed tables: Google Sheets mode and some TLDR charts

• Throwback Ontario December 19 update: 2357 New Cases, 1865 Recoveries, 27 Deaths, 67,207 tests (3.51% positive), Current ICUs: 271 (-7 vs. yesterday) (+18 vs. last week)

Testing data: - Source

• Backlog: 40,373 (+3,879), 51,151 tests completed (4,418.0 per 100k in week) --> 55,030 swabbed
• Positive rate (Day/Week/Prev Week): 8.17% / 5.42% / 3.44% - Chart

Episode date data (day/week/prev. week) - Cases by episode date and historical averages of episode date

• New cases with episode dates in last 3 days: 2,526 / 1,444 / 630 (+1,327 vs. yesterday week avg)
• New cases - episode dates in last 7 days: 3,775 / 2,161 / 1,004 (+1,975 vs. yesterday week avg)
• New cases - episode dates in last 30 days: 4,174 / 2,541 / 1,231 (+2,018 vs. yesterday week avg)
• New cases - ALL episode dates: 4,177 / 2,542 / 1,235 (+2,020 vs. yesterday week avg)

Other data:

• 7 day average: 2,542 (+385.9 vs. yesterday) (+1,306 or +105.7% vs. last week), (+1,917 or +306.7% vs. 30 days ago)
• Today's Rt estimate: 1.68 - Historical
• Active cases: 20,847 (+2,965 vs. yesterday) (+10,044 vs. last week) - [Chart](https://docs.google.com/spreadsheets/d/e/2PACX-1vQ7fegCALd11ElozUYcMi-e9Dj69YaiNQhvEpk81JHsyTACl0UXkWK5zfMNFe49Tq3Vu

Link to report: https://files.ontario.ca/moh-covid-19-report-en-2021-12-16.pdf

Detailed tables: Google Sheets mode and some TLDR charts

• Throwback Ontario December 16 update: 2139 New Cases, 2043 Recoveries, 43 Deaths, 49,189 tests (4.35% positive), Current ICUs: 277 (+8 vs. yesterday) (+43 vs. last week)

Testing data: - Source

• Backlog: 28,959 (+19), 54,724 tests completed (3,838.0 per 100k in week) --> 54,743 swabbed
• Positive rate (Day/Week/Prev Week): 4.42% / 4.10% / 3.27% - Chart

Episode date data (day/week/prev. week) - Cases by episode date and historical averages of episode date

• New cases with episode dates in last 3 days: 1,515 / 930 / 515 (+715 vs. yesterday week avg)
• New cases - episode dates in last 7 days: 2,021 / 1,382 / 845 (+780 vs. yesterday week avg)
• New cases - episode dates in last 30 days: 2,418 / 1,673 / 1,048 (+906 vs. yesterday week avg)
• New cases - ALL episode dates: 2,421 / 1,675 / 1,054 (+906 vs. yesterday week avg)

Other data:

• 7 day average: 1,672 (+138.3 vs. yesterday) (+557 or +50.0% vs. last week), (+1,084 or +184.7% vs. 30 days ago)
• Today's Rt estimate: 1.26 - Historical
• Active cases: 14,065 (+1,399 vs. yesterday) (+4,872 vs. last week) - [Chart](https://docs.google.com/spreadsheets/d/e/2PACX-1vQ7fegCALd11ElozUYcMi-e9Dj69YaiNQhvEpk81JHsyTACl0UXkWK5zfMNFe49Tq3VuN9Av-fuEZqV/pubchar

Link to report: https://files.ontario.ca/moh-covid-19-report-en-2021-12-15.pdf

Detailed tables: Google Sheets mode and some TLDR charts

• Throwback Ontario December 15 update: 2275 New Cases, 1810 Recoveries, 20 Deaths, 39,566 tests (5.75% positive), Current ICUs: 269 (+5 vs. yesterday) (+36 vs. last week)

Testing data: - Source

• Backlog: 28,940 (+6,085), 44,726 tests completed (3,731.2 per 100k in week) --> 50,811 swabbed
• Positive rate (Day/Week/Prev Week): 4.04% / 3.82% / 2.98% - Chart

Episode date data (day/week/prev. week) - Cases by episode date and historical averages of episode date

• New cases with episode dates in last 3 days: 966 / 800 / 485 (+236 vs. yesterday week avg)
• New cases - episode dates in last 7 days: 1,434 / 1,240 / 805 (+286 vs. yesterday week avg)
• New cases - episode dates in last 30 days: 1,808 / 1,511 / 1,000 (+410 vs. yesterday week avg)
• New cases - ALL episode dates: 1,808 / 1,514 / 1,007 (+408 vs. yesterday week avg)

Other data:

• 7 day average: 1,514 (+114.1 vs. yesterday) (+506 or +50.3% vs. last week), (+940 or +164.0% vs. 30 days ago)
• Today's Rt estimate: 1.27 - Historical
• Active cases: 12,666 (+634 vs. yesterday) (+4,315 vs. last week) - [Chart](https://docs.google.com/spreadsheets/d/e/2PACX-1vQ7fegCALd11ElozUYcMi-e9Dj69YaiNQhvEpk81JHsyTACl0UXkWK5zfMNFe49Tq3VuN9Av-fuEZqV/pubchart?o

Link to report: https://files.ontario.ca/moh-covid-19-report-en-2021-12-18.pdf

Detailed tables: Google Sheets mode and some TLDR charts

• Throwback Ontario December 18 update: 2290 New Cases, 1992 Recoveries, 40 Deaths, 68,246 tests (3.36% positive), Current ICUs: 278 (-4 vs. yesterday) (+27 vs. last week)

Testing data: - Source

• Backlog: 36,494 (-1,361), 54,407 tests completed (4,247.5 per 100k in week) --> 53,046 swabbed
• Positive rate (Day/Week/Prev Week): 6.07% / 4.78% / 3.42% - Chart

Episode date data (day/week/prev. week) - Cases by episode date and historical averages of episode date

• New cases with episode dates in last 3 days: 1,843 / 1,198 / 607 (+773 vs. yesterday week avg)
• New cases - episode dates in last 7 days: 2,854 / 1,799 / 971 (+1,264 vs. yesterday week avg)
• New cases - episode dates in last 30 days: 3,301 / 2,155 / 1,189 (+1,388 vs. yesterday week avg)
• New cases - ALL episode dates: 3,301 / 2,156 / 1,194 (+1,386 vs. yesterday week avg)

Other data:

• 7 day average: 2,156 (+242.0 vs. yesterday) (+962 or +80.6% vs. last week), (+1,559 or +261.0% vs. 30 days ago)
• Today's Rt estimate: 1.54 - Historical
• Active cases: 17,882 (+2,090 vs. yesterday) (+7,873 vs. last week) - [Chart](https://docs.google.com/spreadsheets/d/e/2PACX-1vQ7fegCALd11ElozUYcMi-e9Dj69YaiNQhvEpk81JHsyTACl0UXkWK5zfMNFe49Tq3VuN9Av-fuE

Link to report: https://files.ontario.ca/moh-covid-19-report-en-2021-12-14.pdf

Detailed tables: Google Sheets mode and some TLDR charts

• Throwback Ontario December 14 update: 1940 New Cases, 1535 Recoveries, 23 Deaths, 57,091 tests (3.40% positive), Current ICUs: 264 (-7 vs. yesterday) (+37 vs. last week)

Testing data: - Source

• Backlog: 22,855 (+7,807), 33,400 tests completed (3,647.4 per 100k in week) --> 41,207 swabbed
• Positive rate (Day/Week/Prev Week): 4.28% / 3.61% / 2.92% - Chart

Episode date data (day/week/prev. week) - Cases by episode date and historical averages of episode date

• New cases with episode dates in last 3 days: 701 / 730 / 475 (+14 vs. yesterday week avg)
• New cases - episode dates in last 7 days: 1,103 / 1,147 / 777 (+12 vs. yesterday week avg)
• New cases - episode dates in last 30 days: 1,428 / 1,397 / 968 (+104 vs. yesterday week avg)
• New cases - ALL episode dates: 1,429 / 1,400 / 974 (+100 vs. yesterday week avg)

Other data:

• 7 day average: 1,400 (+71.6 vs. yesterday) (+425 or +43.7% vs. last week), (+836 or +148.6% vs. 30 days ago)
• Today's Rt estimate: 1.26 - Historical
• Active cases: 12,032 (+494 vs. yesterday) (+3,553 vs. last week) - [Chart](https://docs.google.com/spreadsheets/d/e/2PACX-1vQ7fegCALd11ElozUYcMi-e9Dj69YaiNQhvEpk81JHsyTACl0UXkWK5zfMNFe49Tq3VuN9Av-fuEZqV/pubchart?oid=1136