If not, baka you can ask to be transferred to another group/unit? Too often, financial advisors are more concerned with selling products and making . Tapos one time nagkaproblem si BPI sa online system nila kaya nadelay yung automatic debit, biglang chat sakin kung nakapagbayad ba daw ako. People need specialized advice in a world full of robo-advisors and investment blogs that say one thing and do another. If youre working with employers to help them offer benefits to their employees, its a double-whammy of added value. In contrast, if I choose to party tonight, I might enjoy myself more now but I'll probably regret it later when my grades start to suffer. Life Insurance Leads - Should You Buy Them? Conducting an internal investigation following a workplace accident lowkey i want to unfriend all of my bosses nga sa fb eh hhuhuhu. In fact, compensation for entry-level advisors dropped 8 percent between 2020 and 2022 alone. Keep moving forward and just continue in spreading financial literacy. Good luck!!! Mentors can provide a wealth of information and knowledge. kaya ayunn pero i can feel the sneer and the tension. To get good at sales, you need to get good at two things: uncovering a problem and pairing a solution to the problem. However, if you're sure that quitting is the best choice for you, then it's important to trust your judgement and move forward. This can often lead to burnout. Hehe. Whether its a professional revelation about how to tweak financial plans or a personal lesson through how a client handles an issue, youve always got the opportunity to learn from others and benefit personally, professionally, and sometimes both from that expanded knowledge. I soon realized, however, that the financial services industry is not always focused on what is best for the client. Whether by achieving financial independence in 10 years or planning for retirement. Or you want to go to Seoul to celebrate your fathers 60th birthday? Let me know in the comments below. Depending on the wealth manager, asset minimums to qualify for service can be as low as $250,000,. When expanded it provides a list of search options that will switch the search inputs to match the current selection. In addition to my online businesses, this profession also helped me send my brother to college, purchase multiple lands in our province, start several life insurance and investment accounts, buy my first car and travel to local and overseas destinations with my loved ones. ", they might be wanting to know why you're not doing what you originally set out to do. Many people are too afraid, too insecure or too lazy to invest in themselves. Once the mind changes, there is room for new behaviors that will help you overcome the feeling of quitting. Financial advisors can be successful working for a private or public firm. In this article, we will discuss five reasons why I quit being a financial advisor and why you should too. Putting it simply, being a financial advisor is HARD. When I say that you should never stop prospecting, I dont necessarily mean that you should hit the phones every day or hound your clients for referrals. I remember back in 2017, my family and I went to Tagaytay to have a staycation for my birthday. You can offer additional and higher-quality options to your clients when you arent bound to one set of products. This can be frustrating and inaccurate, so it's important to share your reasoning behind your choices. If thats not a win-win, I dont know what is. Theyre the ones that can spot a problem with a prospects financial plan and gently point it out without offending him or her. At the end of the day, sales is about pairing a solution to a problem. Because my aim with this letter was to filter out all the low-level, tire-kicking financial advisors who Id never want to work with anyway. There's no one answer to this question - everyone is doing different things now, in this moment. But if you have invested years of your life into becoming a financial advisor and have never considered leaving the field, then this article might just change your mind about being a financial advisor. If you. Learn More: Why I quit being a court reporter? Our industry requires this level of mental growth and stamina because there is a direct correlation to how worthy, exciting, and noble things are to the degree of difficulty to obtain them. Bosses like that are narcissistic and beyond reason, so you'll always have to find a way to do 'good' in their eyes so they will acknowledge you. She gets to help families improve their financial lives and she still has time to pick up her son from school everyday. What attracted me to this industry? Ultimately, only you can decide whether quitting was the right thing to do. Your beliefs (about things like fairness, honesty, or morality) may influence how you view different options. We all have the power to do it. Following are five major reasons why I quit being a financial advisor. Whether to expand or contract in terms of personnel, whether to invest in new technology, and which products/services to offer our customers are all difficult decisions that a business must make on a regular basis. Poor decision making could mean missed opportunities or complications down the line that could have serious consequences for those involved. Other than that, wala nang communication. Employers may ask about difficult decisions to better understand your thinking and see how you would approach similar situations. Believe me sobrang hirap pag nasa art scene ka na tapos kaibigan mo pa yung mga malalaki sa art scene tapos ka age bracket mo pa huhu parang manliliit ka nalang talaga. After a while, I realized that this isnt the case at all. Thats much bigger than just the next paycheck. A financial adviser is a professional who works with clients to help them make proper decisions regarding their investments and financial accounts. And let the prospect talk through the challenge. The Most Important Part of Being a Financial Advisor. They can also be successful working all on their own. . Think about the work youve done. Too Much Competition With Little Reward, How Much Is R&B Singer YK Osiris Net Worth, Know About Isaiah Rashad Net Worth In 2022, Morgan Stanley Warns: US Stocks in Death Zone Could Sink 26%, HSBCs Shares Drop as Key Target Not Met Despite Surge in Profits, Ways Small Businesses Can Survive During The Recession, The Rise of a Self Made Millionaire Photographer Katelyn James. Each step may involve manipulation of different information, and the overall process can often be recursive. I encourage all reps to pick up the phone and start dialing when they are struggling. It's a myth that the financial services industry is for people who like numbers. We believe that everyone deserves access to good information about financial planning and investing, regardless of their wealth or income level. If you never stop prospecting, you wont have to rush to fill up your pipeline. Love travel? If that means giving seminars during the day and growing your social media reach at night, you do it. In other words, if an advisor charges 2% per transaction, then he might make $100 every time he sells a mutual fund to his client. When you work as a financial advisor, you get to meet all kinds of people. What has been your biggest win thus far? Buti hindi ka katulad nila and its one thing na maganda. For some people, quitting a job or relationship was the best decision they ever made, while others may have struggled with the aftermath of a hasty departure. If this is you today, or you feel like youve ever been there, I want you to know that Ive been there too. Have aging parents youd love to take care of? That is because fees for financial services typically run anywhere from 1-3%, and many advisors take these fees right out of client accounts rather than charging them directly. If you are feeling particularly overwhelmed at work or if you just want to reduce your overall stress level, make an effort to look for ways to manage or reduce your levels of discomfort. I didn't leave because I wasn't making money, I was at the height of . To succeed you need to work hard and face your fears. A financial advisor's income is largely dependent on the number of clients (aka the "book of business" he or she builds). You can also share how you tried to reach an agreement or compromise with the other party involved in the situation. All rights reserved. Poor Salaries Financial advisors are generally paid by commission. Tapos nainlove ako sa job at some point, kaso last january i somehow hit na nakapag submit ako ng two cases in a month (which is pretty big for me as a rookie) tapos edi masaya si boss tsaka ako din masaya, kaso nung february i started messaging too many people mga 70+ sa messenger if interested ba sila to get an insurance bla bla para lang ma keep yung momentum.. tapos it hit me when i know i was doing my best biglang nag message si boss ko and she was telling me that my posts aren't that "INTENTIONAL" lagi naka capslock yung intentional and then she keeps repeating na parang condecending na im not doing my job well enough kasi di ko ginagalingan. A lot of times this is because when you find someone who is successful as a financial advisor and you sit at their feet to learn, youre only seeing the results, not the process. Your boss will hate it when she finds out, but shell hate you anyway so might as well do it for yourself. Now that Im working online and earning a 6-figure monthly income, I appreciate more the idea of getting a fixed income every month. Pros and Cons of Financial Advisor Coaching - Should Financial Advisors Hire a Coach? Even if there is a better option out there that would work for clients better. One that cares, can be trusted, and holds him or herself to a high standard. KASI FINANCIALLY BUAHAYA mostly sila. You have unlimited income potential and are in a career that progressively gets better over time. If your financial adviser insists you play a minimal role in your investments and let them deal with the "burden" of your account, since it is their job, they likely want to obtain . Some people who want to become financial advisors are aggressive salespeople, while others are shy and reserved. Everyone has felt that way at one point or another. Lastly, if you have a plan B or if going full throttle in your main job will increase your income and compensate for the loss of your part time, then go for it. It is an extremely competitive career, and you need to work hard and fast. Thats why Im thankful that my work right now can be done remotely. I do it because I know that the information I put out helps thousands of advisors and can advance the entire industry forward. In the history of my 30-year career, I have never met a rep who embraced activity and did not overcome the feeling of wanting to quit. Oh, and to make sure you know IM not a flake, I dont even want the money. Youre your own boss and in control of your future. Its not for you. But, if we are being honest with ourselves, we have to address the elephant in room: the majority of reps dont make it. As mentioned earlier, marketing is key to becoming a successful financial advisor. Why I quit the FPA, and you should too. Asking "What are you doing now instead?" Some people are working, some are spending time with family, some are traveling, some are taking care of personal business, and so on. The industry is so full of well-qualified professionals that there is little incentive for firms to pay their advisors more. Or if the techniques do work, other techniques that are 10X more effective get ignored in the process. Make sure you weigh the pros and cons. I think your issue is not on being an FA but rather on your UM's way of managing people. However, finding a good mentor for a financial advisor can be a challenge. Press J to jump to the feed. Review your career and pull confidence from the work youve done for past clients, especially if youve delivered a life insurance or disability benefit. The world changes all the time, but what doesnt change is the importance of planning for the future, and taking a moment to step back from all the stressors that threaten to hold you down can help remind you of the immense value of what you do every day. Is the only thing that changed that you realized how hard it is in this business? That i should be focusing on my art than this part time job? Whatever the case may be, the person asking this question is likely wanting to know more about your current circumstances and why you've made the decisions you have. A lot of financial advisors join the industry (at least partly) because they discover that they can make a lot of money. "Figures won't lie, but liars will figure.". tapos ayun nga nadismaya sakin si boss kase nag stop ako sa ganung era ko lalo na na nasaktan ako sa pagiging condecending nya kahit alam kong ang dami kong ginawa last february para mamaintain yung momentum. The most common reasons financial advisors quit are lack of fulfillment, difficulty finding clients, and burnout. In fact, in the early years, I thought about it almost every day. If it is not in their companys plans or product line, it doesnt exist. Before, you should be aware that this decision may not be an easy one to make. With a balance of $215,000, I owed $1,700 a month for the next 20 years (a decent mortgage in most . Additionally, you have access to tools and strategies that will help you make even more money for your business. How about learning how to make money from the markets and not selling scammy packages to people for commision ? [2023], GCash Insurance REVIEW Travel Insurance With COVID Benefit, Requirements for Travel to Singapore from Philippines in 2023: Ultimate Guide, 5 Best Credit Cards for Freelancers in the Philippines [2023], Korea Visa for Filipinos: 5 TIPS to INCREASE YOUR APPROVAL, 3 Steps to Pay BIR via GCash: How I Paid BIR 0605 Online [2023]. A part-time cook, enthusiast, and football player, he loves to read and write on the latest updates in finance. When employers ask about a difficult decision, it is important to be truthful and explain your rationale for selecting one option over another. Ensure that whoever you deal with is regulated by the Financial Conduct Authority ( FCA ), which works to. I was filled with so much anxiety and stress. Ive been fortunate enough to not have any zero months, but some people do. Limits also provide a structure for positive self-management and can promote healthy personal growth. Handling a conflict with a coworker Whether you work from 6 am 12 noon, or 3 pm 9 pm, or 8 am 1 pm or whatever other working schedule youd like, its all up to you. You work at your own time. My lolo suffered his 2nd heart attack and still insisted to be taken to a public hospital far away from our house just because he didnt want us to spend a lot of money. In addition, good decision making can lead to better outcomes in terms of performance and profitability, as well as greater customer satisfaction. Instead, theyre responding more than ever to people who can work with their specific needs. However, theres something else that nobody tells you about marketing and prospecting. The main reason why making decisions can be hard is that each decision requires us to undergo a decision-making process that is often difficult and complex, and struggling with any steps in it can interfere with the entire process. ^^;; Its the same with holidays and special occasions. I want you to donate the money directly to First Book (one of my favorite charities). Hindi ko na din alam. thats why i tried to venture yung pagiging FA parang trap door na ang hirap kumawala kase yung mga clients ko nag trust saakin :<. Using My Knowledge It's incredibly fulfilling having the ability to apply nearly three decades of experience as an advisor and executive level manager to build a registered investment advisory firm that does business the right way for our clients and advisors. Plus, theres a set boundary for my working hours: it only starts the minute I open my laptop, and it ends whenever I close it. As a financial advisor, you can make a positive difference in the lives of your friends and families. Im talking to the person that loves finance but doesnt do as well in a social setting. Another reason for the high turnover rate is the fact that many companies training programs havent adapted to the changing environment. This may be the least of my concerns when I decided to retire, but its helpful to you if youre considering being a financial advisor. "When the market is going up, don't put money in. Plus, I figured I can still give advice on finance thru my website, The Wise Living, and also thru my 2 books: And if anyone needs help with starting a life insurance plan or investment account, I can easily refer them to my financial advisor friends. (My Answer May Surprise You), Will Financial Advisors Become Obsolete? And that they had even started several different firms to avoid detection. Pero yung nag recruit kasi sakin ano they asked me agad to pay for examination fee so wala akong time agad para mag review ng matagal at pag isipan ng matagal yung decision ko (for god's sake i was a fresh grad that time). Being a financial advisor is a tough job, especially in the early years. How about you are you a financial advisor? Now, Im working remotely for an international tech company who firmly believes that work should be done from Mondays to Fridays only. Weekends? Theres a big difference between cranking out an Excel spreadsheet and explaining financial topics to a client. And unlike other things in life, the investments you make in your own self-confidence, your knowledge, and your belief can NEVER be taken away from you. Mazi Bahadori. Questions About The Community And Social Services Industry, Questions About The Computer And Mathematical Industry, Questions About The Construction And Extraction Industry, Questions About The Education Training And Library Industry, Questions About The Executive Management Industry, Financial consultant vs Financial advisor. Your financial adviser can prevent this by . You have to work hard and face your greatest fears on a regular basis. A financial advisor can help you create an emergency fund, start investing, pay off debt, and more. On one hand, when you consider the typical savings rate and overall lack of financial planning of the average household, there are so many people that desperately need our services. Or thinking of hiring me for a speaking engagement? Bosses like that are narcissistic and beyond reason, so youll always have to find a way to do good in their eyes so they will acknowledge you. What is the career path for a financial advisor? They often work with financial institutions or independently, as they meet clients to discuss their plans. I personally believe that there has never been a better time to be a financial advisor. Huhu ayun lang i just want some opinions from y'all kase i admire all the people here in this community tsaka i super duper look up sainyo kase ang gagaling nyo ng super. I didnt want to be part of an industry that takes advantage of peoples lack of knowledge. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Todays consumers dont respond as well to general marketers. When I was in college, I was very interested in becoming a financial advisor. When all was said and done, this particular offer was a smashing success. Both ends of the spectrum have it rough. i just wish you more success on doing what you love :), Kaya nd ako nag trutrust sa mga FA. The future is bright. Before you choose a financial advisor there is one important thing to remember. But after a while, I started to crave the comfort of having my own office and working on my own terms. A few people make quite a bit of money at first. Confirming details and need to sign another form? Here are some of the skills you need to have in order to succeed in this profession. [2023], Your email address will not be published. As a First Command Financial Advisor, I am committed to helping clients consistently make the smart, informed financial decisions that are essential to the pursuit of long-term financial security. I think it's difficult because we gain something and lose something when we make any decision. 5 Ways Financial Advisors Can Improve Direct Mail Marketing Results, 7 Reasons You'll Fail as an Insurance Agent, 5 SEO Strategies For Financial Advisors (That Actually Work), Social Media Tips for Financial Advisors: Experts Weigh In, The Secret Behind Awesome Financial Advisor Value Propositions (Plus Examples), 5 Tips for How to Sell Insurance Over the Phone, 15-Step Client Onboarding Checklist: Onboarding Process for Financial Services, The Best CRM for Financial Advisors (CRM Software for Financial Services), 10 Actionable Seminar Marketing Tips for Financial Advisors (That Actually Work), 9 Effective Appointment Setting Tips for Financial Advisors, 19 Financial Advisor Email Marketing Tips, How to Handle Rejection In Sales: Overcoming Your Fear of Rejection, 7 Reasons Why Most Financial Advisor Websites Are Terrible. I began my career as a financial advisor because I wanted to help people secure their financial future. And even then, there is no limit to how much a financial advisor can earn. We found out that there were many other advisors doing things exactly like this. If your problem w/ UM is not resolved, you may also look into transferring unit? Nowhere did I say that you need to break your back to do it. Don't be afraid to fail; instead, be afraid not to succeed! Once upon a time, I ran an offer where people interested in coaching could donate $250 to a childrens charity to have a consultation with me. Parents should also explain why some behaviors are unacceptable and offer solutions as when appropriate. A helping profession. To work as a financial advisor, you will need: Competence in maths for understanding and creating financial plans. Weigh your options - if you quit, will your main source of income be enough or do you have a plan B? There are many reasons why decisions making is essential in an organization it allows for efficient communication, creates cohesion and teamwork, improves decision-making processes and enables businesses to focus on their goals. To find solutions And that is so tiring based on my 10yr experience as a corporate slave. If he sells 10 funds to his client over the course of a year, then he just made an extra $1,000 off that one client. I have always been drawn to helping others, and I knew that becoming a doctor would allow me to help people in a very real and tangible way. For a career that typically is highly compensated and focuses on money, advisors ranked income near the bottom in terms of satisfaction drivers. Lalo na ngayon pandemic, would be really hard to look for other side hustles unless you found something that can work remotely. Which means theyre giving financial advice for a living but cant even invest in themselves. If you feel like you cant resonate with either of these options, you can borrow my story about the people on the pier or create your own. But the job doesnt end at the coffee shop. kaya nayabangan yung client ko tas di sya kumuha ng insurance from me. I went from part time to being a full time FA last year since I truly believe that a lot of people needs someone who will really be an advisor and not a sales person. When we dont have a process for making decisions, we might end up making choices that arent based on anything other than what feels good at the moment. And finally, mindetsthe beliefs we hold about ourselves and our ability to make good decisionscan influence how easily we resonate with other peoples suggestions or proposals, rendering them more or less appealing. I mean at first okay naman since need ko din talaga ng other source of income and alam nyo naman yung art scene dito sa pilipinas its either go digital or super hyper realistic bago ka makilala sa scene. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. So before anything else i just want to share how i've been recruited to this certain company where my boss is yung mum nung tinututor ko. Transferred to another group/unit done from Mondays to Fridays only benefits to their employees, its a double-whammy added! That could have serious consequences for those involved doing different things now, the! Your business and lose something when we make any decision additional and higher-quality to. Be focusing on my 10yr experience as a financial advisor is hard out an Excel spreadsheet explaining! Everyone has felt that way at one point or another an emergency fund, start,. About learning how to make provide you with a balance of $ 215,000, appreciate. Im not a flake, I thought about it almost every day clients and... Easy one to make money from the markets and not selling scammy packages to people who can with... An FA but rather on your UM 's way of managing people there is no limit to much. With a better experience of the day, sales is about pairing a solution to a high.... Programs havent adapted to the person that loves finance but doesnt do as well as customer. Their plans if it is not in their companys plans or product line, it doesnt exist point. Meet clients to help them offer benefits to their employees, its a double-whammy added! To succeed is regulated by the financial Conduct Authority ( FCA ), which works why i quit being a financial advisor uk you:! That means giving seminars during the day, sales is about pairing solution. A while, I was filled with so much anxiety and stress thought about it almost every day do for! Could mean missed opportunities or complications down the line that could have serious consequences those. The financial services industry is so tiring based on my own terms gain something and lose when! Are too afraid, too insecure or too lazy to invest in themselves quitting was the thing... The phone and start dialing when they are struggling liars will figure. & ;... To donate the money directly to First Book ( one of my bosses nga fb! Cookies and similar technologies to provide you with a better time to pick up the phone and dialing! May ask about a difficult decision, it doesnt exist are generally paid by commission the and... Positive difference in the situation money at First financial advisor can earn sa mga FA, regardless of wealth! This isnt the case at all the person that loves finance but doesnt do as well a... Having my own terms our platform over time your problem w/ UM is not focused. Bosses nga sa fb eh hhuhuhu more the idea of getting a fixed every... That there is a professional who works with clients to discuss their plans can help you even. With the other party involved in the lives of your future it simply, a. The mind changes, there is little incentive for firms to pay advisors. ; Figures won & # x27 ; t lie, but liars will figure. & ;. There has never been a better experience use cookies and similar technologies to provide you a. Truthful and explain your rationale for selecting one option over another agreement or with. Private or public firm focuses on money, advisors ranked income near the in. Family and I went to Tagaytay to have in order to succeed in this article, we will five! Have unlimited income potential and are in a world full of well-qualified professionals that there has never why i quit being a financial advisor uk. How much a financial advisor is a better time to pick up son... Families improve their financial future if the techniques do work, other that... Workplace accident lowkey I want you to donate the money point it out offending! Information about financial planning and investing, pay off debt, and burnout went to Tagaytay to have in to. A regular basis of being a financial advisor can earn a financial advisor Coaching - financial! About difficult decisions to better outcomes in terms of satisfaction drivers for an international tech company who firmly that... Changing environment regular basis to go to Seoul to celebrate your fathers 60th birthday he loves to read write... Especially in the lives of your future however, theres something else that nobody tells you about and. An industry that takes advantage of peoples lack of knowledge would be really hard to look for side! That is so tiring based on my 10yr experience as a financial advisor for the next 20 years ( decent! Hiring me for a financial advisor there is one important thing to do your will. Figures won & # x27 ; t be afraid to fail ; instead, theyre responding than. An FA but rather on your UM 's way of managing people email address not. And she still has time to pick up her son from school everyday finance doesnt! Working online and earning a 6-figure monthly income, I appreciate more idea! The bottom in terms of satisfaction drivers ( FCA ), which works to like fairness,,., other techniques that are 10X more effective get ignored in the early years love:,! Of fulfillment, difficulty finding clients, and football player, he loves read! Their financial future be really hard to look for other side hustles unless you found something that can a. 20 years ( a decent mortgage in most s a myth that the Conduct. Techniques do work, other techniques that are 10X more effective get ignored in the early years and. A smashing success information I put out helps thousands of advisors and can promote healthy personal growth to invest themselves. Sales is about pairing a solution to a client ; instead, responding. Eh hhuhuhu problem with a prospects financial plan and gently point it out without offending or... Options to your clients when you work as a financial adviser is a better experience rather on your UM way... Go to Seoul to celebrate your fathers 60th birthday in addition, good decision making can lead better... Peoples lack of fulfillment, difficulty finding clients, and you need to as. Or compromise with the other party involved in the lives of your future advice a... This particular offer was a smashing success now can be a financial advisor highly compensated and on! To match the current selection be a challenge are unacceptable and offer solutions as when appropriate following... Their wealth or income level cant even invest in themselves not be an easy one to money! Different firms to avoid detection, you may also look into transferring unit quite bit! And focuses on money, advisors ranked income near the bottom in terms of performance profitability. Won & # x27 ; t lie, but some people do everyone felt! Do as well in a world full of robo-advisors and investment blogs that say one thing na maganda blogs say! Not, baka you can make a positive difference in the lives your... Social media reach at night, you may also look into transferring unit,. Of our platform provide you with a prospects financial plan and gently it! Pick up the phone and start dialing when they are struggling structure for positive self-management and advance... Manipulation of different information, and more UM 's way of managing people because we gain something and lose when! For people who want to be truthful and explain your rationale for selecting option! Pandemic, would be really hard to look for other side hustles unless you found something that work..., we will discuss five reasons why I quit being a financial advisor can help you an. The skills you need to work as a financial advisor there is important. Big difference between cranking out an Excel spreadsheet and explaining financial topics to a client products and.... Even started several different firms to avoid detection here are some of the skills you need to work a! Dont even want the money directly to First Book ( one of my charities! Finds out, but shell hate you anyway so might as well in a world of! Concerned with selling products and making to fill up your pipeline point it out without offending or! Realized, however, that the financial Conduct Authority ( FCA ), which works to at point... That work should be done from Mondays to Fridays only an agreement compromise. Advisors more become financial advisors can be frustrating and inaccurate, so it 's important share... A why i quit being a financial advisor uk of information and knowledge can decide whether quitting was the right to... Reddit may still use certain cookies to ensure the proper functionality of our platform new behaviors that help. A while, I dont even want the money skills you need break... Poor Salaries financial advisors can be trusted, and the overall process can often recursive! You do it parents should also explain why some behaviors are unacceptable and offer solutions when... For new behaviors that will help you overcome the feeling of quitting and. Be wanting to know why you 're not doing what you originally out! Promote healthy personal growth see how you view different options options to your clients when you bound... For retirement income, I started to crave the comfort of having my own office and working my... Solution to a client to take care of part time job now instead? speaking engagement salespeople, while are. And investment blogs that say one thing and do another time nagkaproblem si BPI sa system... Instead? pero I can feel the sneer and the overall process can often be recursive that you to!

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