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I'll give you a scenario: Mr. A has two children not yet in their school years. To plan for his kids' college education, he has to earn Php 1,000,000 million pesos for each child which accumulates to Php 2,000,000. He just recently acquired a PAG-IBIG loan for the new house that he bought worth Php 1,000,000. He earns Php 300,000 a year. He also has an astonishing debt of Php 100,000 from his friendly neighborhood...
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