MAKE YOUR 2024 MONEY RESOLUTIONS WORK! (7 TIPS TO FOLLOW!)

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  • Опубликовано: 15 окт 2024
  • Start your financial journey today!
    🌱 Sign up for FREE and start investing in mutual funds: rampver.com/in...
    🤝 Join the Rampver Online Community: / rampveronline
    Open a Singlife account today and get ₱250 cash credits on your first cash-in of ₱250!
    ➡️ go.rampver.com...
    ------------------------------
    Tired of setting New Year Resolutions that evaporate by February? This year, do not focus on the grand visions and embrace the power of focusing on the PROCESS.
    This year, make it a point not about setting unrealistic goals that leave you feeling overwhelmed and defeated. Instead, we're all about building habits and systems that is more sustainable and achievable in the long run.
    ------------------------------
    Create a Digital PERA account: pera.seedbox.p...
    Know more about GSave by GCash: www.gcash.com/...
    ------------------------------
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    ------------------------------
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    For inquiries and possible collaborations, visit go.rampver.com... or email us at social@rampver.com
    Music Credits:
    ------------------------------
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    Creative Commons - Attribution 3.0 Unported - CC BY 3.0
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    Music promoted by Audio Library • Save You - LiQWYD (No ...
    ------------------------------
    #2024 #newyear #money

Комментарии • 153

  • @rampverfinancials
    @rampverfinancials  9 месяцев назад +17

    Start your financial journey today!
    🌱 Sign up for FREE and start investing in mutual funds: rampver.com/invest-yt
    🤝 Join the Rampver Online Community: facebook.com/groups/rampveronline/

    • @MrNickdulce77
      @MrNickdulce77 9 месяцев назад +1

      Pano po maging advisor?

    • @dynamichomefarming4108
      @dynamichomefarming4108 9 месяцев назад +1

      Paano po maging Independent financial Advisor?

    • @marirosebughaw8056
      @marirosebughaw8056 9 месяцев назад

      panu po mgccmula i need help po ., thank you

    • @mahyakc8369
      @mahyakc8369 9 месяцев назад

      Am interested how to do it..

    • @antdeguz2041
      @antdeguz2041 8 месяцев назад

      hello RFF! interested to be an IFA, with whom should I connect with?

  • @teumaeto3867
    @teumaeto3867 9 месяцев назад +4

    I remember watching your vids po sir start of 2023 as im struggling with my finances and huge debt of more than 100k (i am a breadwinner and my parents got hospitalized because of their health issues) I even got laid off few weeks after my mom got discharged from hospital. I would say na rock bottom ko po yun as a 24 year old adult pero I took your advices po like add another income stream, naghanap po ako ng side hustle ko so that I can pay off my debt and lagi ko pinapanood mga videos nyo dito even while working.
    Last November natapos ko na po yung huge debt ko and last December when I got my 13th month pay, I finally hit my 6 digit ipon. THANK YOU SO MUCH POOOO! I am not financially literate before pero malaking help po yung channel nyo ❤ ngayon I am aiming to hit my Emergency fund goals and makapag start mag invest kahit paunti unti.

    • @rampverfinancials
      @rampverfinancials  9 месяцев назад

      Thank you so much for your heartwarming and inspiring comment, ka-RFF! ❤

    • @jovelynparian260
      @jovelynparian260 9 месяцев назад

      Paano po maginvest .salamat po

  • @youngtevanced8818
    @youngtevanced8818 9 месяцев назад +3

    I totally agree sir. Don't make New Year's resolutions, instead get an organizer and examine every aspect of your life then plan things out which includes financial goals. 😊

  • @DelilahBarotia
    @DelilahBarotia 9 месяцев назад +3

    Thank you sir rex Isa po akong OFW dami kung natutunan sa mga videos nyo po

  • @luzvimindaraganitjadormeo2916
    @luzvimindaraganitjadormeo2916 6 дней назад

    It's very interesting ❤thank you po Coach Sir Rex Mendoza for unlimited learning❤GOD BLESS PO❤

  • @melchuralofranco9132
    @melchuralofranco9132 5 месяцев назад +1

    Yes sir rex, I already started singlife savings. Naka avail din po ako Jan sa 250 bunos nila. Salamat po ng marami sir rex. God bless you po sir

  • @youngtevanced8818
    @youngtevanced8818 9 месяцев назад +3

    I found your channel for a couple of weeks now, napakagaling mo magturo sir full of inisghts na matutunan lang kapag umaattend ka sa mga paid seminars 😊. Thank you for sharing your wisdom I have organized my financials and learned to create insvestment profile I didn't know about this before kasi hindi ko naririnig sa ibang financial advisors or guru. Now I am a small investor. 😊

  • @ffyontefian
    @ffyontefian 9 месяцев назад +1

    When there is a community, the consciousness gets to a higher level 💯💯💯

  • @RosieLagare
    @RosieLagare 5 месяцев назад

    Singlife 3n1 po ako.at 3n1 health kaiser.ofw 5years.kaya kumuha ako.para sa health ko at family ko.thanks sir rex❤❤❤

  • @sherlitasampay4513
    @sherlitasampay4513 9 месяцев назад +2

    sir super ka talaga advice ang ganda practical talaga sir.. marami ako natutunan mga vedeo mo

  • @merlan35
    @merlan35 5 месяцев назад

    Blessing always sir❤❤❤

  • @audreyannedejesus9344
    @audreyannedejesus9344 9 месяцев назад +1

    Thank you Sir for sharing..Watching here Khobar,KSA

  • @marilynvillapando4229
    @marilynvillapando4229 7 месяцев назад +1

    Thank you verry much sir I'm you my good advisor financial. God bless you.❤❤❤

  • @JohnPalabrica-ov2uo
    @JohnPalabrica-ov2uo Месяц назад

    maraming salamat sa topic nakakatulong ito aking financial situation Sir.

  • @nemiefinalla7120
    @nemiefinalla7120 9 месяцев назад +1

    I am very much interested to be part of Rampver

  • @jomitch1976
    @jomitch1976 9 месяцев назад +2

    thank you Sir ikaw lang yong financial advisor na relatable yong iba kasi ok naman pero wala namang strategy na binibigay

  • @MelquiadesCasiano-l5n
    @MelquiadesCasiano-l5n 2 месяца назад +1

    Raming salamat Tay Rex wala na akong tatay 😢 pwede bang ikaw n lang tay rex kasi tinuturuan mo akong wag magutom for the future

  • @docalisavlogs
    @docalisavlogs 9 месяцев назад

    Thank you. Done with the Singlife. Got the 250.. Legit♥️

  • @yourseaeducator6804
    @yourseaeducator6804 9 месяцев назад +1

    Happy to all RFF and Subscribers to this channel 🎉🎉🎉😊☺️

  • @erwindelacruz1894
    @erwindelacruz1894 9 месяцев назад +1

    Happy new sau box rex,
    Sna yumaman din ako n tulad u 41 years old 4 n anak

  • @erniesantasejo2671
    @erniesantasejo2671 9 месяцев назад +1

    Happy new year every one

  • @almamorales1454
    @almamorales1454 9 месяцев назад +1

    Happy New Year Boss Rex and to our RFF family 🎉🎉🎉❤❤❤ million thanks again for being a part of Rampver ❤❤❤

  • @mslilia921
    @mslilia921 9 месяцев назад +1

    thank you sir RFF for this knowing i watch the video just now & sign up right now ...i will follow your advice coz its to good to be true God bless po👌😍

  • @ryandaletolentino-kx5uh
    @ryandaletolentino-kx5uh 9 месяцев назад +2

    Happy New Year! Super inspiring talaga ni sir Rex. Thank you so much for this video, sana hnd ka magsawa sa paggawa ng videos like this.

  • @charmdevera9515
    @charmdevera9515 6 месяцев назад

    Hi Sir Rex. I've always looked out to you even when you were still at Philamlife as well as BPLAC days. I would love to join you and become an RFF member

    • @rampverfinancials
      @rampverfinancials  6 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @bybakecraft8364
    @bybakecraft8364 9 месяцев назад +2

    Very interesting topic

  • @wilfredojr.demesa7092
    @wilfredojr.demesa7092 9 месяцев назад +1

    Happy New Year Boss Rex! I want to be an Independent Financial Adviser of Rampver🙂

  • @glendacatipay5240
    @glendacatipay5240 5 месяцев назад +1

    Thank you sir.

  • @SaitoNATALIA
    @SaitoNATALIA 9 месяцев назад +1

    Thank you very much sir Rex sa mga information na patuloy nyong binabahagi sa aming mga followers….
    Happy new year po 🎉

  • @PZRCarmenLim
    @PZRCarmenLim 9 месяцев назад +1

    Happy New Year Boss Rex and RFF!

  • @MelquiadesCasiano-l5n
    @MelquiadesCasiano-l5n 2 месяца назад +1

    We love you 🎉 tay

  • @radelsatiada3271
    @radelsatiada3271 9 месяцев назад +2

    Happy New Year Sir Rex and Family. Thank you I’m learning po. God bless ❤

  • @reytoledo7453
    @reytoledo7453 9 месяцев назад +1

    Happy New Year po regards sa family Sir..thanks sa mga insight mo...❤❤❤

  • @manangandes7500
    @manangandes7500 6 месяцев назад

    Very informative. Thank you sir Rex!

  • @AbnerGonzales-hy1mb
    @AbnerGonzales-hy1mb 5 месяцев назад

    Good day. Salamat po s video share.. paano maging member .

  • @maechellequindo6849
    @maechellequindo6849 9 месяцев назад

    watching this on a Sunday morning 14 Jan 2024.

  • @HermanRamiro
    @HermanRamiro 9 месяцев назад +3

    Thanks for the heads up and tips

  • @reycanetajr626
    @reycanetajr626 9 месяцев назад +1

    Thanks sir Rex

  • @Ronie-r1l
    @Ronie-r1l 9 месяцев назад +1

    👏👏👏 thank you sir rex ❤❤❤

  • @ArianJavier-yl6ff
    @ArianJavier-yl6ff 9 месяцев назад

    Thank u sir rex blessing po kau sa amin ..... god bless po❤❤❤

  • @angelocruz4933
    @angelocruz4933 9 месяцев назад +2

    Sir thank you and Happy New Year!😊

  • @anabote2121
    @anabote2121 3 месяца назад

    Thank you sir I'm learning

    • @rampverfinancials
      @rampverfinancials  3 месяца назад

      🌱 Mag-sign up for FREE at magsimula na mag-invest!: go.rampver.com/yt-signup

  • @vicpabustan7798
    @vicpabustan7798 9 месяцев назад +1

    Thank you Sir Rex for always sharing your expertise about Wealth, Money, Financial, and Investment.❤
    Just want to know if you have content regarding on how to allocate wealth to our various priorities. Example, how much percent is allocated to different needs.

  • @jaytechpinoychannel
    @jaytechpinoychannel 9 месяцев назад +1

    thanks po for update

  • @richardabais7101
    @richardabais7101 9 месяцев назад +3

    Thank you so much Boss Rex for your continuous sharing of life long learning insights. Can a 40+ old teacher like me be an Independent Financial Advisor?😊
    Happy New Year po! Blessings always!

    • @rampverfinancials
      @rampverfinancials  9 месяцев назад

      Happy New Year, ka-RFF! Kindly fill out this form and we'll get in touch with you soon! go.rampver.com/rwhw
      Thank you!

  • @destinyaquino227
    @destinyaquino227 9 месяцев назад +1

    Happy new year po

  • @ghinbermaemaramot6601
    @ghinbermaemaramot6601 9 месяцев назад +2

    Happy new year boss Rex ❤❤❤

  • @analizacaalim6101
    @analizacaalim6101 9 месяцев назад +1

    Happy new year po
    Thank you Boss Rex

  • @netdavid0830
    @netdavid0830 9 месяцев назад +2

    Thank you for this helpful advice, Sir! Happy New Year!

  • @dantevlog7304
    @dantevlog7304 9 месяцев назад +1

    Happy new year Boss Rex
    Pwede po ba kahit OFW sa singlife at interested din po ako sa iba pang product ng Rampver

  • @charmdevera9515
    @charmdevera9515 6 месяцев назад

    Thank you so very much Sir Rex. How can I join po?

  • @abegailcorpuz2767
    @abegailcorpuz2767 9 месяцев назад +1

    Count me in!!!

  • @migz99
    @migz99 9 месяцев назад +1

    Happy new year po sa inyo and family

  • @merlynfajardo3493
    @merlynfajardo3493 9 месяцев назад

    Thank you Sir Rex.

  • @leifmk7543
    @leifmk7543 9 месяцев назад +1

    Pwede po ba yan kahit na resident na dito sa Europe pero Filipino citizen pa rin.

  • @axelaazej
    @axelaazej 5 месяцев назад

    I’ve been wanting to know more about PERA. Pero ang daming nagsasabing hindi siya worth it. I need more info about that 😞

  • @freethinkerschannel9082
    @freethinkerschannel9082 9 месяцев назад

    Thank you po as always❤❤❤.

  • @marielpangilinan8972
    @marielpangilinan8972 9 месяцев назад

    Gud am sir. Paano kung tamaan Tau ng solar storm at kung mawalan Tau ng internet paano ung mga may ininvest SA online mawawala ba ito?

  • @carloa877
    @carloa877 9 месяцев назад +1

    Happy New Year Sir Rex!

  • @Jimmy_Reality_Home_Tour-Not-
    @Jimmy_Reality_Home_Tour-Not- 9 месяцев назад

    Nice practical advice❤❤❤

  • @arvinzamora6980
    @arvinzamora6980 9 месяцев назад

    Salamat po sa mga advice nyo, Sir rex,, happy New Year sir,

  • @mariloumartillano5893
    @mariloumartillano5893 9 месяцев назад +1

    Happy new year sir. Thank you 🎉

  • @ofw_in_israel
    @ofw_in_israel 6 месяцев назад

    Hindi ko makita ang Rampver sa apps store? Interesado po aq dto

  • @ruthgasque7514
    @ruthgasque7514 6 месяцев назад

    Can I open singlife account kahit nasa ibang ako nakatira at Australia citizen na.salamat po

  • @VRPark-r7e
    @VRPark-r7e 9 месяцев назад

    Good Day,
    Ask ko lang if pwede mag open ng account ng dalawa? Bale 2 phones kc gamit ko mag install ako ng different account with different numbers. 2 savings account

  • @alemonroid8557
    @alemonroid8557 9 месяцев назад

    Thank you

  • @haidstv8565
    @haidstv8565 9 месяцев назад

    I love the knowledge that you always impart .how to be an IFA ?

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @RubySantos-dc3rr
    @RubySantos-dc3rr 9 месяцев назад

    Hello po Sir Rex kumusta po? Happy New year po sainyo, ask ko lng po nag ta try po ako mag sign up pero ayw po ei accept ang password ko pano po kaya ang dapat kong gawin salamat po

  • @minazapanta7747
    @minazapanta7747 9 месяцев назад +1

    Happy New Year!
    Interested to be a Financial Advisor 😃

    • @rampverfinancials
      @rampverfinancials  9 месяцев назад

      Happy New Year, ka-RFF! Kindly fill out this form and we'll get in touch with you soon! go.rampver.com/rwhw
      Thank you!

  • @1906-SOnePeso
    @1906-SOnePeso 8 месяцев назад

    Very informative thank you sir. Question sir Rex I live in US, is the S and P medium retirement fund ok to hold your money? Until u retire… thank u

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @RubySantos-dc3rr
    @RubySantos-dc3rr 9 месяцев назад

    Sa pilipinas lng po ba ito sir gusto ko po sana mag join dito po ako sa Spain salamat po

  • @reggie6139
    @reggie6139 9 месяцев назад

    Salamat po Sir Rex,,,❤andiamo ko pong natututunan sa mga video mo,
    Ask ko Lang po' Kung Sana pwedeng Mag Open Ng Piso Accent?
    At yung SINGLIFE po ba ay pwede Rin kaming kumuha kahit nandito kami sa Europe?
    Sana po' at mapansin Ang MGA tanong ko.
    Be Blessed po' sa inyong LAHAT

  • @celliaaguillon1242
    @celliaaguillon1242 9 месяцев назад

    Sir I'm 58 year old pwedi paba akung mag open ng singlife .para sa emergency fund ko

  • @chubbychubby661
    @chubbychubby661 9 месяцев назад

    Nandito po ako sa SG, wala po akong local no., how to avail Singlife

  • @ArianJavier-yl6ff
    @ArianJavier-yl6ff 9 месяцев назад

    Hindi po ako makaopen ng singlife dpo valid number dito abroad?😊

  • @SaitoNATALIA
    @SaitoNATALIA 9 месяцев назад

    Thank you sir Rex.ask ko lng po bakit kahirap❤mag sign up sa seedbox?

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @judahbenj5246
    @judahbenj5246 9 месяцев назад +1

    OFW here. been teaching Biblical Financial lessons. Very much interested po. How much po ang fee to join as Independent FA? Is it possible po online since andito po kami abroad? God bless

    • @rampverfinancials
      @rampverfinancials  9 месяцев назад

      Happy New Year, ka-RFF! Kindly fill out this form and we'll get in touch with you soon! go.rampver.com/rwhw
      Thank you!

  • @joancalimbo3517
    @joancalimbo3517 8 месяцев назад

    Tnxs sir rex

  • @GaryAlameda
    @GaryAlameda 9 месяцев назад

    Morning! Sir ask lang po paano ko i redeem yung dividend ko sa REITs dun sa COL financial at ALFM sa gcash? Thanks!

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @leifmk7543
    @leifmk7543 9 месяцев назад

    Maganda ba mag save sa mga digital bank?

  • @maelino1579
    @maelino1579 9 месяцев назад

    Madali lng po ba magwidraw sa singlife in case of emergency sir rex?

  • @YsmaelAntonioCipriaso-yf8te
    @YsmaelAntonioCipriaso-yf8te 9 месяцев назад +1

    Happy New Sir

  • @rosettee963
    @rosettee963 8 месяцев назад

    Thanks for sharing! . How to be IFA in rampver po?

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @dhlenralphperocho-vf1lv
    @dhlenralphperocho-vf1lv 9 месяцев назад +1

    Thank you for sharing this insightful video, Boss Rex! 🥰❤️
    Happy new year. 🎆🎇
    #kaRFF

  • @nemuelborromeo3559
    @nemuelborromeo3559 9 месяцев назад

    sir Rex, pano po ba sumali sa grupo nyo? sana mapansin nyo po itong message ko. salamat po.

  • @ameliamayabarico963
    @ameliamayabarico963 7 месяцев назад

    Paano Po maging financial advisor Po sa rampver sir thank you🙏

    • @rampverfinancials
      @rampverfinancials  7 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @jjlynvlog1459
    @jjlynvlog1459 3 месяца назад

    Please, patulog naman sa invest?. puede ba ako maka join dyan kahit dito ako sa abroad canada.At malapit mag retire wala ako na save.

    • @rampverfinancials
      @rampverfinancials  Месяц назад

      Hello! Mag-register na for FREE gamit ang smartphone at mag-start na mag-invest for as low as ₱1,000!: go.rampver.com/yt-signup

  • @rencechannel2240
    @rencechannel2240 9 месяцев назад +1

    I want to be a Financial Advisor boss Rex. But how to pass an application?

    • @rampverfinancials
      @rampverfinancials  9 месяцев назад

      Happy New Year, ka-RFF! Kindly fill out this form and we'll get in touch with you soon! go.rampver.com/rwhw
      Thank you!

    • @rencechannel2240
      @rencechannel2240 9 месяцев назад

      @@rampverfinancials done already

  • @Xhiannachanelle
    @Xhiannachanelle 8 месяцев назад

    Hello sir PANO po makapag umpisa Ng emergency fund

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @lailatiempo-piencenaves4375
    @lailatiempo-piencenaves4375 8 месяцев назад

    Yes Sir..how po

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @MikeDagondon
    @MikeDagondon 6 месяцев назад

    How to be part of rampver?

  • @maymendoza591
    @maymendoza591 9 месяцев назад +1

    I'm interested po, but I'm on OFW without a Philippine phone number. Please enlighten po!🙏

  • @reypalomar2305
    @reypalomar2305 5 месяцев назад

    Sir paanu po makasali dyan sa inyu

  • @tsermeltv2690
    @tsermeltv2690 5 месяцев назад

    Paano Po maging member ❤️ salamat Po.

    • @rampverfinancials
      @rampverfinancials  5 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @NealSugano
    @NealSugano 9 месяцев назад

    I'm so interested, how can I start to join your group. Please assist me asap.

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @vicpabustan7798
    @vicpabustan7798 9 месяцев назад

    How do I become part of Rampver, Sir Rex?

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @ErnestPJay
    @ErnestPJay 9 месяцев назад

    How to be a financial advisor?

    • @rampverfinancials
      @rampverfinancials  8 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @augustuscaezar4719
    @augustuscaezar4719 8 месяцев назад

    Pwedi ba sir investment ayaan ko lang sa company mo.with in 5 /10 years kunin kasama interest at puhunan.
    15 years na ako abroad still poor.
    Hindi rin ako tinulangan ng aking asawa at tamad ang kanyang isip.
    Putuk ang kaisipan nya sakin.

  • @jadegorembalem111
    @jadegorembalem111 7 месяцев назад

    How to join to your company?

    • @rampverfinancials
      @rampverfinancials  7 месяцев назад

      Hello ka-RFF! Don't worry, we can help you! Kindly fill out our online form and someone from our team shall assist you asap. Thank you!
      ➡ rampver.com/inquire/social-link.html?id=comments-en

  • @NelisaBendoy_BN1
    @NelisaBendoy_BN1 6 месяцев назад

    SALMAT SIR🎉🎉