1. Why is it that many Filipinos do not save or save very little? Research the top five external factors or barriers to saving. Your answers should be supported by recent data. Cite your sources for the data gathered. 2. Choose one topic from the choices shown below. Ask someone how the payment/ investment has been made. Make research on some strategies on how to reduce or gain interest in the chosen topic. a. Insurance b. Time deposit c. Educational plan d. Housing Loan e. Retirement Plan f. Investment