yes thats right. let me tell you a story: funny thing is that most Filipinos rush into action if the topic is politics, Mocha or some scandalous viral video. But they ran away so fast when the topic is investment. Hehe. Like it will gonna make them rich,. They gonna say, "I have nothing to invest" or like "I will invest when I get my 13th month pay money." But you'll find out that they just bought some 'porma' stuff using that money.