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Metro Manila

Four things to look for before you borrow by Efren…

To listen, first be silent by Efren Ll. Cruz, RFP®…

The Herd Mentality: Where Can You Make the Most Money?…

Don’t buy financial products by Efren Ll. Cruz, RFP® Question:…

This year’s edition is coming in bigger, bolder, and way…

Where did my money go? by Efren Ll. Cruz, RFP®…

Lord of the (Wedding) Rings by Efren Ll. Cruz, RFP…

Past due too shall pass Efren Ll. Cruz, RFP®  …

Who Should Hold the Family Purse? by Efren Ll. Cruz,…

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