2900 | Insurance and investments, Assess Current Financial Situation, OOI5 launch
01:18.7
Ayan. At tayo po ay, yun nga, nagbabakasyon dito.
01:24.9
Ayan. Ganyan ka-fine yung sand nila.
01:30.0
At, pero ano talaga dito?
01:33.1
Ang standard, dapat meron kang ano eh.
01:36.7
Meron kang kapartner.
01:39.0
Ayaw nila nang mag-isa lang.
01:40.5
Eh, solo traveler ako dito.
01:41.7
Bilang aking jowa, ay expat-expatan at may mga meetings.
01:46.6
O, ayan. Gusto ko lang ipakita ito, no?
01:49.0
Na meron akong sense of balance.
01:53.7
Wala tayong atleticism.
02:06.4
Ayan. Katuwaan lang naman.
02:08.4
Anyway, so meron po tayong summit na magaganap nitong March 18 to 19
02:17.6
dito po sa Ateneo de Manila University sa Escaler Hall.
02:23.4
At ang magandang balita po dito ay napaka-powerhouse ng ating mga
02:30.0
ating mga speakers.
02:33.4
And ang summit po na ito, yung second socialized housing
02:36.3
socialized housing summit natin
02:41.2
Mag-aim na mag-fortify ng collective efforts
02:45.8
towards ensuring accessible, sustainable, and dignified housing for every Filipino.
02:51.3
Kasi, nasa, I think, nasa 7 million na eh
02:54.4
yung ating housing gap dito sa Pilipinas.
02:57.9
At kaya kailangang napakataas ng,
03:00.0
ng, ah, ah, housing backlog natin.
03:02.4
And we really need to address this.
03:05.3
So, ang objectives po ng, ah, summit natin is to showcase innovative housing models.
03:12.0
Magsishare din po ang, ng research ang government
03:15.0
at saka yung mga programs na ginagawa nila
03:17.4
kung nakakahabol nga ba sila, no?
03:19.8
Sa kanilang 1 million per year na housing, ah, ano, no?
03:25.2
Um, to build houses every year daw 1 million daw yung target nila.
03:30.0
And, ah, i-engage din natin yung private sector dito.
03:34.5
Tapos, paano ba yung land titling kasi?
03:36.8
Kasi, ito actually isa sa mga challenges eh
03:40.2
kung bakit, ah, nagkakaproblema sa pabahay
03:43.8
dahil ang land titles ay land titling napaka, um, challenging, ano?
03:49.8
And, ah, we will also hear about people-led housing initiatives
03:55.5
kasi marami pong mga magagandang, ano, no?
03:58.2
Magagandang mga...
04:00.0
ah, programs na ginagawa from the grassroots level.
04:03.2
Um, ang ating pong keynote speaker,
04:07.1
ang ating napakaganda at, ah, napaka-dignified na senador, no?
04:15.4
Si Senator Rizzo Ontiveros, ah, kahapon po ay nag-confirm siya
04:18.8
na siya ang ating magiging keynote speaker
04:21.1
kaya attend na kayo para ma-push pa natin siya, no?
04:24.1
Kung ano yung mga gagawin niyang batas para sa housing.
04:27.5
Kasi, yan ang gusto nating mangyari.
04:30.0
Diba? To get all our, um, elected officials, ah, behind this.
04:36.0
Okay. At, ah, sa first plenary discussion, po, ano, dito sa ating housing summit
04:40.4
ay mayroong magpagsishare ng mga experiences and innovations.
04:45.6
So, ito ay from the Ateneo community.
04:47.9
Yung sa akin, po, is on, ah, market-based savings-led na housing programs namin sa SEDP.
04:58.9
Dito naman sa Ateneo,
05:00.0
Gawad Kalinga, dito sa Metro Manila,
05:02.5
si Norly will talk about their experience.
05:04.5
At saka, yung sa relocation site na ginawa naman ng Xavier University
05:09.1
sa Cagayan de Oro after Typhoon Sendong.
05:12.8
So, kumusta na ba sila ngayon?
05:14.4
Kasi, actually, nabisita ko to, eh.
05:16.3
And then, um, sa government naman,
05:18.9
we have the Vice President of the Philippine Institute for Development Studies
05:22.5
na magsishare ng experience, ay, ng research, no?
05:26.9
On the, um, housing crisis here in the Philippines.
05:30.0
Tapos, ang, ah, Social Housing Finance Corporation,
05:34.8
Executive Vice President din po,
05:36.4
will provide their, ano, no, yung kanyang, ah, programs,
05:41.0
programs ng gobyerno for socialized housing.
05:44.7
And then, ang National President ng Subdivision and Housing Developers Association,
05:50.5
ay ipipresent naman nila kung paano sila nakakakomply doon sa, ah,
05:56.8
balance housing na sinasabi, ano, na, ah,
06:00.0
required sa mga developers.
06:02.4
Ano yung mga opportunities and challenges that they are facing.
06:06.8
The Chairman of the Board of the Organization of Socialized
06:09.7
and Economic Housing Developers of the Philippines,
06:14.1
ay, ah, magbibigay din ng kanilang, ano, no, experience on the ground.
06:19.2
Kung paano nakakapag-build ng mga socialized housing
06:22.6
at ano yung mga challenges din.
06:24.2
Of course, ang ating minamahala CEO from Pag-ibig,
06:27.9
si, um, Honorable Marilyn,
06:30.0
in Acosta, will also be sharing ano yung ginagawa ng Pag-ibig on this.
06:35.1
And then, meron po tayong social enterprise, no, itong sa City Hub.
06:39.5
Isang kakaibang setup naman on how to provide housing for, ah,
06:44.3
low-income households in the urban setting.
06:47.3
Ito yung kay Panya, no.
06:48.8
Si Panya ay Thai, pero ano siya, ah, pusong Pinoy.
06:54.9
And then, we also have the Assistant Director of the Land Management Bureau,
07:00.0
sa DENR, to talk about land titling.
07:03.2
And then, the largest microfinance institution in the Philippines,
07:08.3
ang ASA Philippines,
07:10.1
ah, represented by their CEO, ang ating kaibigan, si Kamrul, no,
07:15.1
will talk about their housing finance initiative
07:18.2
or housing finance loan product nila.
07:22.5
At how this is doing at ilang mga households na yung natulungan, no, sa buong Pilipinas.
07:27.8
At ang director din ng,
07:30.0
Kilos Maralita, si Mr. B. Buboy Magahis,
07:33.6
ipre-present niya, no, yung kanilang experience sa socialized housing.
07:39.0
Itong yung kay Buboy, very interesting kasi,
07:41.4
akala natin, no, putyo-putyo lang kung mga socialized housing na mga, ano,
07:45.2
na mga high-rise condominiums at magiging mahal siya.
07:49.8
Pero sa experience nila, Buboy, nakaya nila eh.
07:52.2
Dito sa may Bulacan area, no, may relocation site dyan silang nagawa na
07:58.1
maganda yung nagawa nilang condominium para sa low-income households.
08:04.6
At kung hindi ako nagkakamali, pre-pandemic ito, 2019.
08:08.0
Ang 30 square meters at doon sa area na yun ay parang nasa 600, 750,000 pesos lang
08:14.1
na ma-award doon sa mga members.
08:16.8
Kaya, kung ako mag-attend po kayo niyan, 500 pesos lang, no,
08:21.0
ang ating registration fee for two days na yan may kasama pang lunch.
08:25.8
Nako, ewan ko na lang.
08:28.1
sponsor po natin ang pag-ibig dito
08:29.9
at ang media partners po natin ay
08:34.5
at saka ang DZBB.
08:38.5
Ayan, ako po si Sir Vince,
08:39.8
ang inyong financial guru,
08:41.4
nagsasabing ang pagyaman na pag-aaralan at na pagtutulungan.
08:47.0
nako, nakita dyan naman,
08:47.9
nandito ako sa hotel ngayon, no,
08:56.6
wife duties, kumbaga.
08:58.1
Ayan, so, kung gusto nyo pong bumate,
09:01.1
lagay nyo lang po ang inyong pangalan, nickname,
09:04.1
at kung nasaan kayo sa amang panig ng mundo, no,
09:09.1
at para mabati naman natin kayo.
09:11.1
Okay, ayan, si Limon, ayan, no,
09:14.1
na gusto magpa-shout.
09:16.1
Hello, Lymon, sa'yo, no?
09:18.1
Okay, at ang susunod natin na pag-uusapan, ito lang, no,
09:21.1
mag-plug muna tayo.
09:22.1
Meron po tayong webinar this coming March 9,
09:27.9
Ito, no, how to leverage insurance for financial freedom.
09:31.9
Ang objectives po nito, no, makikita, ano yung mga lalaman ninyo?
09:35.9
So, ano ba yung mga kinds of insurance na dapat nyong puhanin?
09:38.9
At magkano ba yung coverage talaga na kailangan ninyo, no?
09:42.9
At paano ba ginagawa itong buy-term invested difference
09:46.9
para huwag tayo dyan sa VUL na yan kasi mahal, no?
09:49.9
And then, we will also talk about
09:53.9
not-for-profit insurance schemes natin.
09:56.9
Yung ating damayan system na nakalimutan na dahil sa insurance commission.
10:07.9
Naku, nasabi ko na.
10:09.9
Dahil sa pagkiling ng for-profit na insurance industry natin.
10:15.9
Pero yung damayan talaga, yan talaga yung urig na urig, eh.
10:18.9
Kung talagang titignan natin yung resilience, yung ating disaster mitigation,
10:24.9
I think ito yung kasagutan dyan.
10:27.9
We will also highlight the government's role in providing comprehensive social safety nets, no?
10:32.9
Kasi itong insurance ngayon, lalong-lalo na sa usapin ng climate change ay talagang hindi kakayanin na
10:39.9
sarili lang natin, eh, yung tutulungan natin, no?
10:42.9
Kailangan talaga may role na gagampanan yung gobyerno dyan.
10:48.9
So, ang webinar na ito ay via Zoom.
10:52.9
So, sa March 9 po ito, Saturday.
10:54.9
8 to 10 pm, Philippine time.
10:56.9
Mayroon din po itong susunod na Canvas course online, no?
11:01.9
At self-paced na po yan kapag yan yung ititake ninyo.
11:04.9
Ang learning investment natin dito, ang regular price po ay 10,000 pesos.
11:10.9
Pero pag kayo po ay pag-ibig loyalty card holder, 2,000 pesos po ang registration fee.
11:15.9
Kapag naman po kayo ay SEDP co-op member, 1,000 pesos, no?
11:21.9
At ito po ay free para sa mga...
11:24.9
bagong miyembro ng SEDP co-op.
11:28.9
At mag-register lang po tayo sa vinsrapisura.com slash webinars
11:33.9
or scan nyo po yung naka-flash na QR code ngayon dyan sa ating screen.
11:38.9
At ayan, no? Free for SEDP co-op members.
11:41.9
Kailangan lang, siyempre, magpamember tayo. Ayan.
11:44.9
So, pumunta lang po sa bit.ly slash SEDP co-op PMES
11:48.9
para po maka-attend kayo ng self-paced online pre-membership education seminar.
11:55.9
So, ito yung mga susunod na mga webinars natin
11:59.9
from March hanggang sa December, no?
12:03.9
Meron na tayong schedule.
12:04.9
So, abangan nyo po yung mga trainings na iyan.
12:09.9
At, nako, alam nyo po, excited na excited ako ngayon, no?
12:13.9
Kasi mayroon tayong natatanging panauhin ngayong episode na ito.
12:20.9
At excited akong ma-imagine.
12:22.9
Excited akong ma-interview siya, no?
12:24.9
Kasi pag pinapanood ko yung mga videos niya ay marami akong sabi ko,
12:29.9
Uy, pareho kami ng thought process ng ating susunod na guest.
12:38.9
Na-featured kaming pareho dito sa 10 Essential Filipino YouTubers and Podcasters.
12:48.9
To get your finance together.
12:50.9
Sa Esquire Magazine.
12:52.9
So, na-interview na natin si Charm last month.
12:55.9
Ngayon naman ay makakasama natin si Mr. Fitz Villafuerte.
13:02.9
Hello sa iyo, Fitz.
13:09.9
And magandang araw sa lahat ng mga nanonood sa atin.
13:13.9
Nakikita ko sa comments from all over the world talaga, no?
13:17.9
So, hello, Vince.
13:20.9
nagkakwentuhan na tayo.
13:22.9
And I'm very excited to share sa community mo yung mga thoughts and insights natin about personal finance.
13:32.9
So, bago tayo pumunta dun sa personal finance, actually, binasa ko yung website mo sa Ready To Be Rich.
13:39.9
At nakita ko tong graph na to.
13:42.9
Napaka-interesante kasi nung graph na to ay ngayon, ano?
13:46.9
Yung graph na to ay, ayan.
13:49.9
Sabi mo, you want more time, no?
13:52.9
You want more time in your life, no?
13:54.9
Pakiexplain nga ito.
13:55.9
At bakit mo sinabing, no, dati na ikaw ay corporate slave?
14:02.9
Civil engineer by education.
14:04.9
So, first few years of my life, I worked as a civil engineer in an office.
14:12.9
And syempre, very idealistic tayo pagbata tayo na gusto natin umaman kaagad.
14:18.9
And syempre, isa sa mga naisip ko nun is kung gusto kong umaman, kailangan ko pag-aralan yung finances ko.
14:26.9
And ito, yung graph na to, as a corporate slave, ang napapansin ko dyan, oo nga, meron akong income.
14:35.9
Ang challenge, syempre, ang unang-unang challenge talaga is dapat mas mababa yung expenses natin.
14:41.9
Pero yung oras kasi, yun yung nakikita ko.
14:46.9
Syempre, pag nag-o-officina ka, whole day ka lang nasa office.
14:49.9
And kapag kulang yung trabaho mo, yung oras ng trabaho mo, syempre, may kaltas din sa sweldo yun.
14:56.9
And sabi ko, this is where I am right now, ano ba yung gusto kong maging endpoint?
15:04.9
I think very important talaga, di ba, goal setting.
15:07.9
Kasi pag alam natin kung ano yung goal natin, then doon tayo makakaisip ng strategy kung paano natin ma-achieve yun.
15:16.9
So, doon lahat nagsimula yun.
15:18.9
Doon nag-dinescribe ko kung ano yung current situation ko.
15:23.9
So, ganito ako ngayon. Yan.
15:25.9
So, nakikita ko doon.
15:27.9
Gano'ng kakatagal na, quote-unquote, naging corporate slave?
15:33.9
Mga six years, six and a half years or so.
15:38.9
Six years din. Okay.
15:40.9
Interesting kasi sabi ko, nako, civil engineer pala itong si Fitz.
15:45.9
Kasi nasa ano kami ngayon? Nasa socialized housing kami ngayon. May project kami sa...
15:51.9
Sabi ko, nako, imemessage kita. Baka meron kang mga thoughts dyan. Okay.
15:56.9
Sige. So, yung sa... tapos sabi mo ay ano ka din, ano?
16:02.9
Meron kang... nag-quit ka ng iyong work. Tapos, ikaw ay nagpunta sa freelance, no? Sa freelance.
16:14.9
So, ano ba yung mga freelance na ginagawa mo?
16:20.9
During that time, ang naisip ko kasi is,
16:24.9
based doon sa unang graph, no? Gusto ko itaas yung income ko.
16:29.9
Pero, siyempre, limited yung income natin from our work. Di ba?
16:32.9
Hindi naman tayo buwan-buwan na nabibigyan na increase.
16:37.9
So, sabi ko, the other way that I can increase my income is doing freelancing.
16:43.9
And syempre, during that time, hindi naman tayo pwede mag-resign kagad.
16:49.4
So, I did freelancing and ang advice kasi sa akin nun,
16:54.7
do something that you are already passionate about or interested in
16:59.4
or meron ka na rin core competency.
17:02.1
So, fortunately, during that time, and actually it started in college,
17:06.7
I was already into computers.
17:09.0
So, ang una kong freelancing was actually software and web design.
17:16.4
Kasi, ano na yun, personal, nanggaling yun sa hobby ko,
17:19.8
so medyo geek tayo nun, aside from video games,
17:25.7
nag-design ako ng mga website at saka nagpo-program ako ng mga simple software.
17:32.9
So, yun yung una kong venture into freelancing.
17:36.4
May mga friends kasi ako.
17:39.0
Mga software developer, mga dorm-mate ko nung college,
17:43.8
and mga naging kakilala ko na rin sa College of Engineering
17:49.1
who are also into web designing.
17:52.1
During this time kasi, ano pala ang pasikat pala yung mga personal websites?
17:58.5
Kasi during that time, internet talaga.
18:01.7
Mga search engines lang, Yahoo, di ba?
18:03.8
Hindi pa nga masyadong sikat ng Google nun eh.
18:09.0
Yung mga businesses, hindi pa normal na mayroong website yung mga businesses.
18:13.6
So, doon ako nag-freelancing.
18:17.0
And fortunately, nadagdagan talaga yung cash flow ko.
18:22.3
But on that note naman, napansin ko, nawalan ako ng free time.
18:28.5
Kasi yung waking hours ko, a portion of it is sa earned income.
18:33.1
So, yung free time ko usually after work and most of my weekend,
18:38.1
Nag-spend ngayon yun sa freelancing ko.
18:42.3
So, sabi ko, it's a good start, no?
18:45.1
Kaya nga, jump-starting yun sabi ko.
18:47.1
Kasi, simula na to.
18:49.6
I think this is a good start and also a good problem.
18:55.5
Parang pag bagong gupit ka, di ba?
18:57.4
Meron talaga stage na parang pangit bago siya gumanda.
19:00.1
So, yan yung aking jump-starting phase.
19:06.9
Pero, serious lang ako dito.
19:08.1
So, nag-freelance ka, pero mas malaki pa rin yung earned income mo.
19:13.5
So, this means, nandun ka pa rin sa corporate work mo with this career?
19:19.1
So, pinag-sansapin ko sa...
19:22.7
Kaya nga, kinain talaga yung waking hours ko.
19:27.3
Kung baga, meron pa rin akong 9 to 5 na work.
19:31.4
Tapos, after work, doon ako sa freelancing income ko.
19:36.0
Which also includes...
19:38.1
And, para sa akin nga, I think this is a small sacrifice at the start.
19:46.9
Siyempre, nagsisimula tayo.
19:48.2
And, hindi naman kasi pwede mag-resign lang basta-basta, di ba?
19:52.1
Dahil, yung freelancing, hindi stable yung income mo.
19:59.9
Lalo na kung nagsisimula ka pa lang.
20:01.6
Wala ka pang client list, wala ka pang long-term projects.
20:05.5
And, you're still probably...
20:08.1
Upskilling, di ba?
20:10.0
Yung hini-improve mo pa yung skills mo.
20:13.1
So, sabi ko, the safe way is to continue working in the corporate world.
20:18.5
However, ang goal ko na noon was not to get promoted in the office.
20:24.4
Ang goal ko na noon was, how do I grow my freelancing income?
20:30.6
How do I transition from being an employee to becoming a full-fledged freelancer?
20:38.1
So, yun na yung...
20:40.6
Pag nag-iba yung mindset mo, biglang mag-iiba rin yung naisip mong kailangan mong gawin everyday.
20:48.7
Nag-iiba rin yung daily goals mo.
20:53.0
Okay. Tapos dito, ayan na.
20:55.3
Ito na ba yung current situation?
21:01.5
So, nawala na yung corporate being slave, yung sa earned income.
21:06.4
So, meron na tayong...
21:08.1
Passive income. Pero mas malaki pa rin talaga yung freelance income natin.
21:13.1
Actually, I started my blog and I narrated or I shared this story back in 2007.
21:22.4
So, during that time, this was where I am.
21:27.1
And paano ko na-achieve yung passive income?
21:30.4
Kasi, it all started also with freelancing dahil na-realize ko
21:38.1
I was able to get a long-term project.
21:41.4
Tapos yung contract nung project, equal na rin siya sa almost one year's worth of my salary.
21:48.6
So, sabi ko, this is a sign that I can actually quit my job.
21:53.2
And if I was able to land that type of project during my free time,
21:58.7
what more kung full-time akong freelancer?
22:01.6
So, nag-resign ako.
22:04.4
And syempre pagka-resign ko, biglang dumami yung freelancer.
22:08.1
Sabi ko ngayon, and a friend actually suggested na huwag akong maging complacent.
22:16.8
Yes, I can be a full-time freelancer.
22:19.0
But how does being an entrepreneur sound like?
22:23.2
So, sabi ko, oo nga.
22:24.5
Kasi, papaguring ko rin lang yung sarili ko pag naging full-time freelancer ako all the time.
22:32.6
So, I started thinking, how do I convert this...
22:38.1
So, during that time, I was focused more on getting projects.
22:48.1
And then, I reached out to other freelancers.
22:51.5
Tapos, parang dine-delegate ko or ina-outsource ko sa mga freelancers yung mga iba kong projects.
22:58.0
So, in a way, naging passive income siya kasi yung mga partners ko na mga freelancers.
23:03.9
Sila na yung nag-aasikaso ng mga projects na na-close ko.
23:08.1
And I just get commission.
23:11.0
Aside from that, since medyo nakaipon din tayo.
23:14.4
Di ba pag nag-stop tayo mag-work sa office, biglang bababaya expenses natin.
23:19.6
Dahil hindi na tayo kumakain sa labas, wala na tayong damit, transportation.
23:24.3
Yung naipon ko, that's when I also explored mga small business, micro and small businesses.
23:31.0
So, nagtayo ako ng siroksan, yung term ko noon.
23:36.9
Photocopying center.
23:38.1
Nag-rent ako ng 2x2 meter sa isang tindahan na malapit sa school.
23:46.0
So, meron akong siroksan doon.
23:47.3
Tapos, meron din akong lodan.
23:49.2
During that time, napakalakas pa talaga ng mga cellphone doon.
23:54.2
Tapos, yung nanay ko, ginawa akong business partner na nagtitinda kami ng mga longganisa, tosino sa bahay.
24:03.1
So, doon ako nag-explore ng entrepreneurship.
24:06.0
And yung napakaliit.
24:08.1
Na passive income doon.
24:09.9
That was the time na sinimulan ko yung vlog ko.
24:15.0
And a major part of my income is still freelancing.
24:18.9
However, through the years, yung passive income ko, syempre tumaas na siya.
24:26.6
And right now, I still do freelancing but it's not really for the income anymore.
24:32.1
Because I love doing it.
24:36.6
I still love working.
24:38.1
And pagdating sa personal finance, yung pagiging content creator natin and all, it's more of an advocacy already.
24:47.3
Kasi nakita ko kung paano ako natulungan ng personal finance to improve my life.
24:54.8
And I always share kapag may speaking engagement ako, I can consider myself as semi-retired.
25:02.0
Meaning, yung passive income ko, enough na siya to sustain me.
25:10.1
Pwede akong hindi magtrabaho for a year, buhay ako.
25:16.1
But of course, hindi naman masaya kung basic necessities lang.
25:20.1
Hindi naman masaya kung nakakakain ka lang ng tatlong beses ang araw.
25:24.1
And I think that's also exciting na ay gusto kong mag-out of the country.
25:31.1
Gusto kong mag-one month vacation sa Japan.
25:34.1
So, that's something na pwede kong pagtrabaho.
25:37.1
So, that's something na pwede kong pagtrabaho.
25:38.1
So, that's something na pwede kong magkagiging tuwan through my freelancing career,
25:40.1
So, that's something na pwede kong mag-uguan through my freelancing career,
25:41.1
or by growing a few of my businesses.
25:45.1
At the end of the day, meron akong peace of mind kasi alam ko hindi akong mamamblema doon sa kakainin ko araw-araw,
25:54.1
or by growing a few of my businesses.
25:56.1
Because it's covered as passive income.
25:59.1
So, doon sa last na graph, mas mataas na yung passive income.
26:03.1
Mas mataas na yung passive income.
26:04.1
Pero yung sabi mo kanina na...
26:07.1
you've put up yung mga
26:09.7
pagtulong nga dito sa mga freelancers.
26:19.6
many ventures, to be honest.
26:23.9
started back in 2012
26:29.0
dahil nakatulong sa akin yung pagiging freelancer
26:33.3
during that time, rising
26:36.0
sector din yung mga freelancing
26:38.3
online freelancing, especially in the
26:40.0
Philippines, 2012, 2013.
26:47.9
A lot of freelancers kasi
26:49.9
when they go to the bigger websites
26:53.9
or Freelancer, ang unang
26:56.0
tinatanong ng kliyente is
26:57.7
ano ba yung portfolio mo?
26:59.7
Ano na yung mga naggawa mong
27:01.3
trabaho? So, sabi ko,
27:05.9
ako nung nagfreelancing ako kasi I had
27:09.7
freelance software developer. Pero
27:13.5
walang network talaga nagsisimula.
27:15.6
So, sabi ko, bigyan natin sila ng opportunity
27:18.1
na makakuha ng mga
27:22.3
but at least these
27:23.8
can be part of their portfolio
27:27.9
these projects to get
27:29.9
bigger projects and bigger
27:31.9
and long-term clients.
27:37.7
and vision nung 199jobs
27:39.8
which is basically a
27:41.3
freelancer marketplace.
27:47.3
sideline, pwede tayong
27:49.6
mag-sign up sa 199jobs.com
27:52.2
wala namang bayad.
27:54.0
It's free to sign up. And then,
27:55.7
get all projects to get your
27:58.0
freelancing career started.
28:01.7
Tapos yung ano mga, yung
28:05.3
website ba, ay ito,
28:07.4
fitsvillafuerte.com. Tapos
28:09.5
ang blog ay Ready to be
28:11.6
Rich. So, very interesting.
28:14.1
Ano bang ibig sabihin ng pagiging
28:20.5
Para sa akin talaga,
28:27.4
it means you are able to
28:29.8
afford your dreams.
28:31.9
So, it's not really
28:33.5
anchored to a specific,
28:35.3
like, amount in your bank account.
28:37.9
Ang panong lang naman dyan is,
28:40.0
ano ba yung gusto mo sa buhay?
28:41.6
Ano ba yung gusto mong gawin
28:43.7
in the future? Ano yung mga gusto mong
28:46.0
bilhin para sa sarili mo,
28:47.7
para sa pamilya mo?
28:49.3
And, do you have the
28:51.4
means to afford those?
28:54.6
the capacity to afford those,
28:57.2
then I can say that you are rich.
28:59.4
You are truly wealthy.
29:03.4
ginagawa ko yung,
29:05.3
vlog ko, yan, kaya ako
29:07.3
sinabing ready to be rich, kasi
29:08.9
during that point in my life,
29:12.0
nandun na ako eh, na parang
29:13.4
okay na yung setup ko,
29:15.7
it's just a matter of growing
29:17.4
what I already have. So, I was not
29:21.5
am in that mindset na
29:25.4
already know my path, it's just a
29:27.5
matter of walking down that path,
29:29.6
so I am ready to be rich. Kaya, yun yung
29:31.7
parang pinagalingan nung
29:35.3
Nung vlog ko, which is, basically
29:37.5
naging branding ko na rin, because
29:39.4
it is stuck sa mga followers ko.
29:43.5
Oo. So, we're guessing,
29:45.3
syempre, rich ka na ngayon, diba?
29:47.5
So, yung, ano'n happen,
29:51.5
mayaman, of course, ang pinaka
29:53.6
ano kasi, diba, a measure na
29:55.4
ginagamit ng mga tao talaga ay pera.
29:57.9
Pero, meron kasing tinatawag
29:59.7
na golden handcuffs, eh, diba?
30:01.6
Ang taas-taas nga ng sweldo mo.
30:04.2
Pero, nakakulungkot,
30:05.3
meron kang posas nung
30:07.1
golden handcuffs, kaya ang tawag ko dyan. Kasi,
30:09.4
hindi mo naman ma-enjoy, kasi, grabe
30:11.3
yung stress sa trabaho, grabe yung
30:13.3
demand sa work. Alas 4 ng umaga,
30:15.4
tinatawagan ka, never-ending
30:17.2
ang mga calls and meetings.
30:19.3
So, in this regard,
30:25.0
kayamanan para sa iyo?
30:28.8
Para sa akin, ang
30:31.1
pinaka-importante talaga
30:35.3
ano yung gusto mo.
30:37.0
Having smart goals.
30:39.0
Because, if you have specific goals
30:41.3
in life, and you believe that
30:43.3
these are the things that you really want
30:45.3
for yourself or your family,
30:47.9
hindi lang kasi iisa
30:52.0
I'll give you an example
30:53.4
para mas concrete, no?
30:55.0
Meron akong na-meet
30:56.9
na ang, pag tinanong ko,
30:59.2
ano bang gusto mong gawin sa buhay?
31:02.5
gusto niya mag-travel, kasi parang
31:04.6
isa sa mga passion ngayon, no?
31:06.5
So, sabi ko sa kanya,
31:08.7
hindi ka nakaka-travel, kasi
31:10.6
tali ka sa opisina.
31:13.6
Malaki nga yung sweldo mo,
31:15.0
pero ang hirap mag-apply ng leave,
31:18.2
So, ano yung, if it were
31:20.8
up to you, ano yung ideal
31:22.6
setup mo? And, sabi niya,
31:26.7
initially, ang naisip niya,
31:28.5
mag-iipon siya ng maraming pera, tapos
31:30.4
mag-resign siya, and then mag-travel na lang siya
31:32.4
for the rest of his life.
31:34.6
Sabi ko, yes, that's one solution.
31:37.4
Tama naman yun, that's one solution.
31:39.0
Pero, why don't we
31:40.7
think outside the box? What are the other
31:42.6
things that you can do? So, sabi niya,
31:47.0
naisip niya, siguro, pwede ako
31:48.6
maging freelancer.
31:50.8
Anong klaseng freelancer?
31:52.6
Kasi, ano siya eh,
31:54.9
nasa engineering field
31:56.7
din siya. So, sabi ko,
31:58.5
do you think you can do consultancy?
32:00.8
Or, do you have any other field
32:02.8
na sa tingin mo, interested ka,
32:04.6
na pwede mong pag-aralan, etc.?
32:06.8
And, yun yung nag-switch
32:08.8
sa, ano niya, sa utak niya
32:10.7
na, oo nga, no, why don't I become
32:16.3
work anywhere, and
32:18.7
I can fulfill yung
32:20.1
dreams ko na mag-travel.
32:22.6
So, yun yung ginawa niya
32:26.6
it was not instant, it was
32:28.5
parang it took him four or
32:30.6
five years na in-establish
32:32.8
niya nga yung sarili niya,
32:37.0
nag-e-email na lang siya sa akin,
32:40.2
three months na daw siya sa Vietnam,
32:42.5
kasi na-inlab ka doon sa
32:44.1
in-Islandia niya, tapos
32:45.8
nag-two months daw siya sa Dubai,
32:48.4
etc. So, he's now traveling,
32:56.0
Totoo, hindi ganun kasing taas yung
32:58.1
sweldo niya, but it is enough
33:02.1
yung mga goals and dreams niya.
33:04.0
So, para sa akin talaga, yun yung
33:06.2
definition ng wealth eh,
33:08.0
it's really up to you,
33:09.8
depende kasi kung ano yung gusto mo,
33:13.9
kailangan lang na careful tayo
33:17.5
akala natin gusto natin to
33:20.1
kasi yun yung nakikita natin sa iba.
33:24.0
there should be a healthy
33:25.9
amount of self-awareness
33:28.3
and may reflection,
33:30.4
getting to know ourselves,
33:31.6
kasi doon natin malalaman,
33:34.0
and ma-dediscover, ano ba talaga
33:35.9
yung nagbibigay sa atin ng
33:37.1
self-fulfillment?
33:38.9
Ang pinaka maganda example dito,
33:42.5
related na rin siguro
33:44.0
sa pagiging civil engineer ko,
33:45.5
kasi ako, I don't
33:47.7
actually have any plans of buying
33:51.3
I have real estate investment, kasi
33:53.5
mga rental properties, pero yung
33:55.5
buying a house and lot na
33:57.7
titirhan ko, parang wala sa
33:59.9
goal ko siya. Although
34:01.7
lahat ng kaibigan ko, lahat ng barkada ko,
34:04.0
may sariling bahay, mga kapatid ko, may
34:05.7
mga sariling bahay. So,
34:07.8
bakit hindi ako bumibili? Kasi sa
34:09.7
tingin ko, it's not really something
34:11.7
that will give me self-fulfillment.
34:13.9
Sabi ko, I am a professional
34:15.7
renter, parang gusto ko
34:19.8
dito ako nakatira, then
34:21.2
kung saan yung maganda,
34:23.7
lilipat muna, doon naman ako lilipat,
34:27.0
yun yung nagbibigay sa kanya, self-fulfillment,
34:29.8
but also, it keeps me
34:32.0
grounded na hindi rin ako masyadong
34:33.8
nagiging attached sa mga
34:35.6
material things, kasi hindi ako
34:37.7
bumibili masyado ng mga stuff
34:39.7
dahil alam ko, after 3-4 years,
34:42.0
lilipat na naman ako ng bahay, ayokong
34:43.6
magdala ng maraming gamit.
34:45.6
So, yun yung pinili ko
34:47.9
na lifestyle for myself,
34:49.7
and I am happy with that. But,
34:51.7
it doesn't mean na, yun din yung gagawin
34:53.9
ninyo. The same way na kung ano yung
34:55.7
nakikita nyo sa isa,
34:57.4
just be careful, baka mamaya, you're
35:01.5
being jealous with what you're seeing with others,
35:03.8
but it's important to
35:05.7
know yourself. Ano ba yung
35:07.4
nagbibigay sa kanya, self-fulfillment?
35:09.6
And then, that's what you work
35:13.6
talaga, no, kailangan na mayroon
35:15.4
talagang pagkilala at
35:17.4
pagmamahal sa sarili. Kasi yun,
35:19.2
lagi ko rin yung sinasabi na, kapag
35:21.5
kilala mo yung sarili mo, mapapaiwas
35:23.7
ka sa gastos, kasi hindi mo kailangang
35:25.4
patunayan yung sarili mo sa iba,
35:27.7
diba? Tapos, nakita din namin
35:29.6
ito, Fitz, of course, yung
35:31.5
podcast, no? Ang title ay
35:35.9
naman The 80% ang pangalan
35:39.7
Oo, yung podcast na yan, ano yan eh,
35:41.4
pandemic project ko yan.
35:43.6
Siyempre, wala tayong masyadong
35:45.5
ginagawa nung pandemic. Sabi ko,
35:47.4
mag-podcast nga tayo, kasi it's one of the things
35:49.5
that I was curious about.
35:57.1
one of the things that I've learned
35:59.5
pagdating sa pera, it's
36:01.3
80% behavior, diba?
36:03.8
20% head knowledge
36:05.9
dahil kahit sinong
36:08.1
tanungin ko, alam nila na
36:09.9
importante na nagsisave,
36:11.8
importante na nag-i-invest.
36:14.0
Pero pag tinanong mo, bakit hindi ka
36:15.6
nag-iipon, most probably
36:21.7
money habits, wrong mindset
36:27.9
on the Pareto principle, yung
36:29.9
80-20, diba? Kaya
36:31.6
sinabi ko, the 80% because
36:35.8
good financial habits
36:38.1
and right mindset
36:40.3
when it comes to building
36:41.8
your wealth dun sa ating podcast.
36:46.1
Tapos sabi mo nga, ayan,
36:47.9
nandito ka na. Yung palang
36:49.7
unang binabanggit ko kanina,
36:51.6
2007 pa pala yun, mga
36:53.8
kaibigan. So, ito,
36:56.2
curious lang kami, ano
36:57.7
naman yung mga passive income mo?
36:59.6
Nabanggit mo na kanina, meron kang rental
37:03.7
ano pa? Yung mga, well,
37:05.8
of course, sabi mo nga, hindi naman
37:07.4
kailangan nagayahin kung ano kasi
37:09.7
iba-iba tayo. Pero, curious kami,
37:12.0
ano yung meron na passive
37:13.7
income that works for FITS?
37:21.1
dividends from businesses.
37:25.4
several businesses,
37:27.8
siguro ang pinaka
37:31.8
yung sa pinsan ko,
37:33.7
yung pinsan ko kasi, nagtayo siya ng
37:35.5
company. But, at the
37:37.8
start, kailangan niya ng funding.
37:40.0
So, parang naging ano tayo,
37:41.4
venture capitalist.
37:53.0
But, I get regular dividends
37:55.5
from that. Aside from
37:57.6
that, of course, meron tayo mga paper
38:01.7
mga dividend stocks tayo.
38:03.7
And, very popular ngayon yung
38:05.7
REITs, di ba? So, mas
38:07.1
maraming ano doon. Mas regular
38:11.7
MP2, of course. So, may
38:13.8
mga paper assets tayo na nagbibigay
38:16.0
ng fixed income or
38:17.5
regular dividends.
38:19.6
We have a few businesses that
38:21.7
provide me dividend income.
38:25.3
I would also consider
38:28.2
yung content creation
38:29.8
natin. Di ba, mayroon tayong mga
38:31.4
YouTube channel, may mga website tayo.
38:33.7
So, semi-passive.
38:35.7
Kasi, there are times
38:39.8
mga ibang bagay. So, I am not
38:41.8
able to upload anything. But,
38:44.1
there's still income from the
38:45.7
ads. So, I consider
38:48.0
that also as passive income.
38:49.9
So, kailangan ano pa rin tayo.
38:54.2
din yung sources of income natin.
38:55.9
Hindi lang yung investment
38:57.6
but also yung sources of income diversified.
39:01.2
I'm happy naman nun. Sana magkaroon din kami
39:03.2
ng pinsan na mapagkakatiwalaan
39:07.2
usually, pag mga family members,
39:09.2
lalo ng mga OFWs feeds,
39:11.0
napupasong-paso ang mga OFWs
39:13.2
dyan kapag mga kamag-anak na pinag-usapan
39:15.4
ng pag-i-investan.
39:17.1
Ano yung naging sikreto, or
39:18.8
di man siguro sikreto, pero
39:20.2
what made it successful
39:22.6
na nakapag-invest ka doon
39:25.2
at hindi ka tinakbuhan
39:27.0
katulad ng maraming mga OFWs?
39:34.8
I asked for a business plan.
39:38.8
siguro naiisip ng karamihan
39:40.7
na lumapit sa akin, tapos umihingi ng pera
39:42.8
pang negosyo. Hindi siya ganon.
39:45.4
Meron na siyang plano
39:48.1
nag-iisip na siya kung paano
39:50.6
saan siya kukuha ng
39:55.5
alam niya na yung
39:59.8
actually, hindi siya nag-offer sa akin.
40:03.2
Nakikita ko siya busy lagi
40:04.6
kasi nag-research.
40:06.5
May mga kausap siya,
40:09.3
mga suppliers and all.
40:10.8
Yun pala, gumagawa siya ng business plan.
40:12.7
And, sabi ko sa kanya, pabasa nga niya,
40:14.5
ano ba yan? Kasi,
40:18.6
So, from the business plan itself,
40:20.4
nakita ko na, number one,
40:22.8
may feasibility study siya doon.
40:24.9
And, nakita ko na seryoso siya.
40:27.5
Nakita ko na, well, research.
40:29.9
The business was running
40:31.3
already on paper.
40:33.2
Ang kulang na lang is
40:34.5
yung influx of funds
40:36.8
para matayo niya.
40:39.4
And, ang unang plano niya nga
40:41.3
was to apply for a
40:45.2
mag-bootstrap din siya.
40:47.4
So, sabi ko, baka naman pwedeng
40:52.1
partner. Kasi, I think,
40:56.6
with the plan. So,
41:00.6
that's the difference.
41:03.2
So, sa mga usual na mga naririnig
41:05.4
natin na, yung iba kasi
41:07.1
humihingi ng kapital,
41:09.4
nag-i-invite na makisosyo,
41:11.5
pero, wala pang plano.
41:13.7
In my case, nakita ko yung plano.
41:19.2
At saka, ang usual na nakikita natin
41:21.4
ay, ano diba, pag nanghihingi ng
41:23.2
kapital, actually, mas
41:24.5
naaawa ka, nagpapaawa
41:27.4
sila or something.
41:28.7
At ginagamit yung
41:30.4
card na, magkapamilya tayo,
41:32.5
matulungan mo ako. Pero, in your case,
41:34.7
ang nakita mo talaga ay, nandyan
41:39.9
pagiging worthwhile niya as a business.
41:42.7
Anyway, naku, napasarap na tayo ng kwento.
41:44.7
Papunta pa lang tayo sa main topic natin,
41:46.9
which is insurance.
41:48.6
Meron akong ginawang, ano e,
41:50.7
nagpa-poll ako dito sa
41:52.3
YouTube natin. At
41:54.2
tinanong ko, may variable universal
41:56.6
life insurance ba kayo?
41:59.4
Ayan. At ito yung
42:00.6
sumagot, na $770.
42:02.5
9 votes. Yes, luging
42:06.3
Yes, gusto ko nang itigil.
42:16.3
BTID ang akin, 15%.
42:22.2
Ayan. Ano mo masasabi mo sa
42:32.5
Malapit rin kasi sa akin
42:33.7
na nagpapakonsult
42:36.5
about their insurance.
42:38.6
Nagpapainsurance audit.
42:41.3
yun talaga yung napapansin ko,
42:44.6
a lot of people na may VUL,
42:50.2
which is, sabi ko,
42:52.6
ano kasi siya, financial protection,
42:54.5
it's not an investment. Kasi yung
42:58.5
yes, luging lugi. Para sa akin,
43:02.5
concerned kung lugi o hindi yung
43:06.5
ang reason kung ba't mo
43:08.8
kinuha yan, kasi insurance yan,
43:10.5
is for financial protection. Parang
43:12.5
ano na lang yun eh, cream on top
43:14.6
na lang yun na mayroon siyang investment
43:16.2
component. So, that's when
43:18.5
I discovered that, unfortunately,
43:22.0
a number of financial advisors
43:24.4
na minamarket nila ang VUL
43:28.4
and not as a form of
43:30.5
financial protection. So,
43:32.5
yun lang yung initial
43:34.6
talaga na isip ko
43:37.3
dun sa ginawa mong
43:41.7
para sa akin, concerning
43:42.7
din yung nagsabi na,
43:44.5
ano yan? Which means, mababa pa rin
43:46.7
talaga yung insurance
43:48.7
penetration rate natin eh.
43:50.7
Something na very
43:52.7
essential, especially for
43:54.7
breadwinners, as a form
43:56.7
of financial protection.
43:58.6
Kunti lang. But I think,
44:01.1
partly, it's also
44:02.3
because yung negative
44:04.0
impression ng mga tao pagdating sa
44:06.1
insurance eh, naiisip nila gastos
44:08.5
lang, hindi talaga nai-explain
44:10.6
sa kanila yung benefits
44:12.4
of having life insurance.
44:18.4
naghahanap talaga ako ng kakampi
44:20.3
tungkol dito sa VUL na yan
44:22.4
para sa VTID. Ano nakita ko yung
44:24.3
video mo, oy, gusto ko siyang kausapin.
44:26.7
Diba? At ito nga,
44:28.4
meron tayong tinatawag kasi na,
44:30.2
ano diba, instead na VUL, kung
44:32.3
insurance talaga yung titignan natin, meron yung
44:36.2
difference. So, at nakita ko nga
44:40.4
ginagawa mo itong VTID.
44:42.9
So, paano ba itong VTID
44:48.6
ang una kong tinatanong is
44:50.6
meron ka bang financial dependence?
44:52.8
So, meron bang umahasa sa'yo?
44:54.5
Because insurance really is
44:56.5
a form of financial protection.
44:59.1
Hindi para sa'yo,
45:00.4
but para sa mga naka-
45:06.6
single na lahat ng
45:08.6
sweldo mo sa'yo pupunta, wala kang
45:10.5
pinapaaral, wala kang pinapakain,
45:13.0
I would dare say that
45:14.6
hindi mo pa kailangan
45:18.1
Diba? Up year. Parang tayo tayo yung sinasabi dyan.
45:24.6
balikan mo yung insurance kapag
45:28.0
malapit ka na ikasal.
45:30.1
Alam mo yun, once you get engaged,
45:32.3
you will say, that's a consideration na to get
45:34.5
insurance kasi magkakaroon ka na
45:36.5
ng family. But if you're
45:42.3
mahirap din eh na lahat
45:44.3
nung sweldo mo pupunta sa pagbabayad ng
45:46.2
insurance and if you see
45:48.2
the different types of insurance,
45:50.6
yung term insurance talaga yung pinakamura.
45:57.8
reason why you're
46:00.5
getting insurance is to
46:02.2
protect your family in case
46:04.2
something happens to you. And
46:06.0
term insurance is the most affordable
46:07.9
type of insurance that can achieve
46:10.1
that. Siyempre, since
46:12.0
mura lang ang term insurance,
46:16.4
that's already something that you
46:18.1
can leverage and invest
46:21.7
Again, depende on your goals.
46:24.7
Babanggit ko na rin, minsan,
46:30.2
account na rin kasi ngayon na may
46:31.9
libring insurance eh, di ba?
46:35.2
that's also a consideration kasi that will help
46:40.3
amount of coverage that
46:42.1
you need. So mas mura pa yun na
46:44.2
meron kang bank account na may libring
46:46.1
life insurance. So
46:47.9
that's a consideration when we compute
46:50.3
kung magkano ba talaga yung
46:51.7
death benefit na required
46:58.8
nagsasabi na at least yung
47:01.9
2-in-1 or 3-in-1, etc.
47:04.3
Pero kasi sa akin,
47:06.5
pagdating sa investment,
47:08.4
hindi naman yan parati na
47:10.1
pag lagay mo ng pera,
47:12.6
papatulugin mo na lang.
47:14.2
There's such a thing as
47:16.1
rebalancing your portfolio, di ba?
47:20.1
with what's happening in the market.
47:23.6
kung nasa control mo,
47:26.2
yung investment mo,
47:30.2
mas madali ka makakapag-navigate
47:33.0
sa volatility ng market.
47:36.6
mas maganda sa bonds,
47:38.6
sa bonds ka muna mag-invest. Kung mas maganda
47:40.9
sa stock market, sa stock market,
47:43.0
hindi yung, pag nasa VUL
47:45.2
siya, hindi ka ganun ka-flexible.
47:47.7
Although pwede mo ilipat-lipat
47:49.3
yung funds, but it's not really
47:51.1
na may limang fees
47:55.4
At saka, actually, ang isang
47:56.7
talaga dyan ay, di ba, yung sa VUL,
48:00.6
on the first year,
48:02.6
nagbayad ka ng malaki, tapos tinignan mo
48:04.7
yung fund value mo,
48:06.4
ay halos wala. Halos wala.
48:08.8
Tapos sinasabi ko, paano yan?
48:10.9
Doon pa lang, ang laki na ng
48:12.6
question mark, ano,
48:14.7
sa akin. Kaya, ano ko,
48:16.4
pareho ka rin ba? Ako kasi talaga
48:18.7
minsan, pinuupotaktay talaga ako
48:20.4
ng mga financial advisors, no?
48:22.3
Bina bad mouth pa nga sabi ko.
48:26.5
ako naman ay nagbibigay lang
48:32.6
at, ano, no, siguro the truth
48:34.7
hurts talaga. Yun na lang yung sinasabi ko.
48:39.0
Ako naman kasi, ang lagi kong
48:40.7
ang lagi kong naman kasing emphasis
48:46.3
yung financial situation
48:48.5
ng client, and we should
48:50.7
give them the best financial
48:52.5
product that they need, hindi yung
48:54.7
the best financial product that will give us
48:56.8
the highest commission. Yun yung kasi minsan,
49:03.4
may mga tao talaga
49:05.0
na sinasabi nila na,
49:06.9
ay, gusto ko, wala na akong iisipin,
49:08.9
and gusto ko, isa lang yung
49:10.6
binabayaran ko. And then, when you look
49:12.7
at their cash flow, substantial naman
49:14.8
yung income, then
49:16.3
I would say na, sige, kumuha ka
49:18.7
ng VUL, but you have to
49:20.8
understand that what you are
49:22.7
getting is a financial protection.
49:24.9
Hindi yan investment
49:26.8
na you will expect na talaga.
49:28.9
Talagang lalaki ng sobra,
49:30.9
diba? So, I guess
49:35.1
issue here is making
49:36.8
people understand what they are actually
49:39.1
getting. So, as long
49:41.0
as they fully understand
49:42.9
the product that they're getting, then
49:44.8
sige, okay lang. Basta
49:46.9
na i-explain yun ng maayos, ha? Kasi
49:48.7
nakaka-inis din talaga yung may
49:50.7
nagko-complain sa akin na, ano ba ito, lugo yung
49:52.6
investment ko? Saan ka ba naka-invest dito?
49:54.6
Tapos VUL product yung sasabihin.
49:58.9
Lugo ka na naman yung ahente mo.
50:02.6
So, yun. Nako, maraming maraming
50:04.7
salamat, Fitz, at marami kami
50:06.8
natutunan sa'yo ngayon.
50:09.2
And we hope we can do this
50:10.8
again. Mag-iisip ako
50:12.9
ng iba pa nating pag-uusapan.
50:15.1
Manonood ako ng mga videos mo.
50:17.0
Actually, very interested ako din
50:18.8
sa mga freelance na
50:22.3
ma-promote din natin. At maturuan
50:24.9
yung ibang mga taon, no? Kasi
50:26.3
bago kasi makapagang source of
50:28.9
income. Meron mga munang pang-invest.
50:31.1
Makakasagutan, magiging
50:32.5
kasagutan yung freelance na yan.
50:37.1
ka pa namin makikita?
50:38.9
Aside from your podcast, aside
50:40.7
from dun sa Ready to Be Rich?
50:44.4
Actually, meron akong portal.
50:47.5
Readytobereach.com
50:48.7
Tapos dun sa Readytobereach.com
50:51.4
it's just a one-page
50:53.0
website. Nandun na lahat
50:54.7
ng links ko papunta
50:58.9
sa X, or Twitter,
51:01.0
sa Instagram, sa TikTok,
51:04.1
podcast ko, and they can also
51:06.8
send an email sa akin
51:09.1
through that. So, marami
51:11.0
na kasi tayo ngayong accounts online.
51:13.4
Diba, kailangan present tayo sa iba't
51:15.0
ibang social networks.
51:17.0
Sabi ko, pag may mga ganitong
51:18.8
opportunity to reach
51:21.1
out to more people, para madali nilang
51:23.0
tatandaan, doon na lang sila.
51:24.8
Punta, readytobereach.com
51:28.9
So, doon. Pupuntahan na natin yan.
51:31.0
So, maraming maraming salamat, Fitz,
51:34.9
dumami pa yung mga katulad natin
51:37.1
na galit sa bull.
51:40.9
Malagang ano, no?
51:41.8
Ang inuuna ay yung kapakanan
51:43.8
ng the public, diba?
51:45.9
Anong kapakanan nila?
51:46.8
Hindi yung magiging beneficial
51:48.7
sa atin. So, maraming maraming
51:51.0
salamat sa iyo, and see you next time!
51:54.1
Yes, thank you very much,
51:55.4
and I really enjoyed
51:57.0
this time, and looking forward sa
51:58.7
susunod na pag-bisita ko
52:00.9
dito sa community nyo. So, hello
52:02.8
ulit sa mga nanonood ngayon,
52:05.3
and I hope marami silang natutunan.
52:09.4
Thank you very much.
52:10.9
Ayan. So, yun po si
52:12.8
Fitz, ano, nakausap natin,
52:14.9
at napag-usapan natin
52:17.5
ako yung VTID na yan,
52:19.4
at saka yung VUL na yan.
52:21.5
Mas maiintindihan natin.
52:23.5
So, kung gusto po ninyo na mas
52:25.0
maiintindihan yan, meron tayong webinar
52:28.4
insurance. Okay. Dito po tayo
52:31.1
sa next na topic natin
52:32.7
on assessing your
52:36.4
assessing your current financial
52:38.6
situation. Kasi di ba talagang kailangan natin
52:40.7
makita nasaan ba tayo financially?
52:43.1
And even if you think you're
52:44.8
already doing okay, maganda
52:46.7
pa rin na from time to time
52:48.7
ay binabalikan natin itong
52:50.5
ano ba yung ating financial
52:54.8
parang itong ano eh, annual physical
52:56.5
annual physical exam.
52:58.4
exam natin. Okay.
53:03.0
yan po, yan yung ating
53:06.1
assessing your current
53:10.5
financial situation. So, yung mga sources
53:12.5
of income kasi natin, di ba, meron tayong
53:14.6
active income at saka
53:16.5
passive income. So, yung active income
53:18.4
natin, ito yung salary, part-time
53:20.4
work, overtime work, commission,
53:24.3
kapag tayo yung nagtatrabaho doon.
53:26.5
Tapos, ang mga passive income,
53:28.4
naman, ito yung rent, interest,
53:30.6
dividend, capital gains, royalty,
53:34.5
So, yung active income, we need
53:36.5
to work to be able to earn this.
53:38.3
Samantalang yung passive income, ito yung
53:40.2
income from our investment.
53:42.8
So, yung active income, usually this is
53:44.3
our primary income or our main source
53:46.5
of income, katulad ng mga
53:48.1
sweldo natin. Pero,
53:50.3
ang kahalagahan din itong active income,
53:52.2
dito kasi nang gagaling yung pera natin
53:54.3
na pang-invest natin
53:56.4
para magkaroon tayo ng
54:02.3
sikreto ng mga mayayaman.
54:04.7
Yung active income, yan yung
54:06.4
pambili natin ng basic needs
54:08.2
at yung passive income,
54:10.6
yan yung pambili natin ng
54:14.2
So, kung titignan natin yung
54:16.4
ating financial life stage,
54:20.7
lang natin, magano ba yung kinikita
54:22.4
na natin sa ating monthly passive
54:24.4
income? At kaya ba
54:26.4
nitong i-cover yung ating monthly?
54:30.2
So, malalaman na natin yung ating financial
54:32.3
life stage with this.
54:34.4
Yung financial life stage natin,
54:36.5
yung monthly passive income,
54:38.2
this is a measure
54:44.3
from assets that you have
54:46.7
na earning. Yung iyong
54:48.2
earning assets that you have
54:50.4
right now. Tapos, ito namang
54:52.3
expenses natin, which is our
54:58.3
Ng ating lifestyle. Measure
55:00.4
siya ng mga pangangailangan
55:02.4
at gusto natin. Sige naman ang buhay,
55:04.4
di ba? Meron tayong mga basic needs
55:06.6
para mag-survive tayo.
55:09.1
Pero yung pangpakulay talaga
55:12.7
ay yung mga wants
55:14.2
sa totoo lang, di ba? O, di ba?
55:16.5
Masarap kumain ng kanin at
55:19.9
mas masarap kumain sa Jollibee,
55:22.5
for example. So, needs and wants
55:24.6
talaga yan yung sa lifestyle
55:26.5
natin. And if you take a look at the lifestyle,
55:28.3
if you take a look at this, ano ba yung meron ako
55:30.2
at ano yung mga, ano yung meron ako
55:32.2
na nagka-create ng passive
55:34.4
income, this is actually
55:36.3
answering the question, how
55:38.2
am I preparing for my future?
55:42.2
naman, ano ba yung mga needs
55:46.3
Sinasagot naman niya yung katanungan,
55:48.0
how do I make my life happy?
55:50.8
And if we take a look at
55:52.3
this, yung pong how to prepare
55:54.3
for my future, yan yung konsepto
55:56.3
ng Yago. At yung how
55:58.3
to make my life happy, yan yung konsepto
56:02.1
Ano ba yung Yago at YOLO na yan?
56:04.1
Yung YOLO, of course, alam na natin yan, you only
56:06.3
live once. Pero yung Yago,
56:09.0
you also grow old.
56:10.5
Ang ibig sabihin niyan. So, we want to prepare
56:12.2
for the future, we want to
56:14.5
have earning assets
56:16.4
that would create passive income
56:18.2
para ma-finance niya yung ating
56:22.9
Okay? And if we combine
56:24.4
this, yung ating YOLO and Yago,
56:27.0
we come up with the term,
56:28.3
na BOLO, which means
56:30.1
balance of luxuries
56:35.0
Diba? So, yan talaga
56:36.6
yung gusto naman talaga natin, ibabalansihin
56:39.7
mga obligasyon at ang ating
56:44.1
kagustuhan sa buhay.
56:46.7
Yan. Kasi, ipon ka
56:50.0
kinuha ka na ni Lord,
56:52.2
o di wala, hindi mo na enjoy yung ipon mo,
56:54.5
di ba? Kailangan mo rin siyang i-enjoy.
56:56.1
Kaya kailangan talaga ng BOLO.
56:58.3
Kailangan natin na balansihin yan, no?
57:01.0
Ito, kung gusto nyong malaman
57:02.5
yung inyong, ano no, financial life
57:04.5
stage. Ito yung mga life stages kasi.
57:08.5
kung gaano kalaki
57:10.6
yung passive income mo na kayang
57:12.3
i-cover ng expenses mo.
57:14.4
So, if you take a look at this graph,
57:16.5
ay this table, ano, yung
57:18.2
financial freedom, nakalagay siya, greater than
57:20.4
100% na. Ibig sabihin,
57:25.6
ng expenses mo ay kayang
57:28.3
punan ng passive income.
57:30.4
So, ang suggested age dito,
57:32.0
sana naman by age 65,
57:34.5
no, or greater than 65, ay meron
57:36.2
na tayo. But, of course, kung gusto mo
57:38.3
na earlier, pupwede
57:40.1
naman yan. Kaya nakalagay dyan, suggested
57:42.2
age lang, no? So,
57:44.2
kapag nandito tayo, mga 23 to 25
57:46.3
years old, dapat meron na tayong
57:50.2
to 10% na passive income
57:52.3
na kaya niyang punan yung
57:56.0
Yan, ha? So, yan po yung ating
57:58.1
guideline dyan. At kung gusto nyong
57:59.6
makuha, exactly kung ano
58:02.1
ang inyong financial life stage,
58:04.3
pwede kayong pumunta sa
58:05.7
bit.ly slash servants
58:08.0
memo or money in, money out.
58:10.2
Yan, meron din tayong QR code
58:12.0
dyan, no? At makikita,
58:16.0
yung questionnaire, no? Yung
58:19.7
malaman ninyo kung anong financial life
58:22.0
stage kayo. Okay? So,
58:25.1
sa retirement age kasi
58:26.2
100% of expenses is
58:28.0
covered by passive income, no?
58:30.1
At ang average age to
58:31.9
retirement ng mga kumukuha, ha,
58:37.8
75 years old, no?
58:40.0
Yung nagsimula yan noong 2018 to
58:41.8
2023. Yung mga kumukuha noong
58:43.7
money in, money out natin yung financial life stage,
58:46.4
75 years old yung
58:48.0
kanilang average age
58:49.8
of retirement. Kaya,
58:52.2
naku, nakakatakot,
58:56.0
walang passive income.
58:58.0
Makakaya, gising, ha? Kasi
58:59.6
kung gusto talaga natin ng
59:01.3
mas maraming oras to spend
59:03.7
our time with family and friends
59:06.3
at i-enjoy ang buhay,
59:07.9
passive income po ang kasagutan dyan, no?
59:12.0
naman yung may less
59:13.9
than 10,000 pesos
59:15.5
na passive income per month,
59:18.2
no? So, yan yung nakita natin sa research
59:20.2
natin. Okay? Pwede
59:21.9
rin po kayong pumunta sa
59:23.7
bit.ly slash servants
59:25.7
sal-en. Yan naman yung makikita natin.
59:28.0
Yung ating statement of assets, liabilities
59:30.1
and net worth para
59:31.6
ma-measure natin, no? Yung
59:33.4
ating liabilities,
59:36.3
ang ating assets at ano ba yung
59:37.9
ating net worth, no?
59:39.7
It will list what you have, what
59:42.0
you owe and what you own,
59:44.2
no? Para magkakreate tayo ng awareness
59:46.2
ng inyong financial
59:47.7
situation that will aid you
59:50.1
in your budgeting and
59:51.8
planning. Okay? At
59:53.9
mayroon din tayong isa pa, no? Na
59:55.9
tool, yung ating financial
59:57.9
health check. So, pumunta lang
59:59.7
kayo sa bit.ly slash
60:03.8
scan nyo yung QR code na naka-flash
60:05.7
ngayon dito. At itong financial
60:07.7
health check naman, malalaman nyo kung
60:09.5
nasaan kayo, no? Whether you are
60:11.4
financially sustainable already,
60:14.1
financially secure or
60:15.6
financial startup. At
60:17.8
doon po sa mga kumuha ng mga
60:19.6
financial health check natin, 61%
60:24.1
36% yung financially
60:27.8
lamang yung financially
60:29.5
sustainable. Naku, kaya puntahan
60:31.8
nyo na tong website
60:33.9
na to, no? Scan nyo na yan para
60:35.5
malaman nyo kung kayo ba ay sustainable,
60:39.5
startup stage pa lang
60:41.3
financially. Okay?
60:43.9
Ako po, si Sir Vince, ang inyong
60:45.5
financial guru, nagsasabing ang pagyaman
60:49.4
at na pag-tutulungan.
60:53.5
I will now hand you over
60:57.8
very beautiful and very
60:59.4
energetic executive
61:03.4
Florence Atviento
61:07.7
niya sa inyo ang isang
61:11.5
open a joint venture savings
61:13.6
account with us, no?
61:15.5
Dito sa ZP Co-op.
61:20.0
So, habang natin si Flo,
61:22.1
tayo po muna ay magbatian
61:23.7
portion kasi ang dami ng mga
61:25.8
bumabati sa atin dito kasi.
61:27.8
Kanina. Kasama natin si Lawrence
61:39.0
nasa Hinatuan Branch siya.
61:41.4
Watching from Bahrain, si
61:45.6
si ano naman, no?
61:49.7
UK The View Me, no?
61:53.6
Bernadette, hi Sir Vince, watching from
61:55.6
Hong Kong mula umaga hanggang gabi.
61:57.2
Nakikinig ako sa iyo. O, ginawa nyo na akong
62:02.8
Happy naman yan. Si Amie,
62:04.7
kasama din natin. O, nakabutan
62:07.0
niya din yung live. Okay.
62:09.0
So, kasama din natin si
62:10.7
Beth, si Enrique,
62:17.1
sino pa ba mga kasama natin dito?
62:18.6
Si Laila from, watching
62:20.7
from Antipolo sa Saudi. Actually,
62:22.8
kanina may nakita ko watching from, ano eh,
62:27.2
watching from Lebanon. Nakakaloka
62:29.5
yung Lebanon, diba?
62:31.0
Si Mish, kasama din natin, from
62:33.1
Kingdom of Saudi Arabia. Si Gerald
62:39.1
Nasa South Korea, si Roman.
62:41.5
Si Rose, nasa Switzerland.
62:43.2
Si Hazel ay nasa Porte.
62:49.6
Nasa UAE, si Ampy.
62:51.4
At saka si Nor, ay nasa Qatar.
62:53.9
Nasa Canada naman. O,
62:55.1
pang-aga-aga nitong si Nens, ha?
62:57.2
At, ah, nasa Germany,
62:59.5
si Lorinda. Ayan.
63:08.8
Watching from Milan.
63:11.3
Okay. O, sabi nga ni Mon Perchnot,
63:13.2
oo nga, yung VUL equals the best
63:15.1
sugar-coated scam.
63:21.2
din natin, watching from
63:23.0
Jordan, si Deja Vu. Uy, Deja Vu,
63:25.4
gusto ko magpunta sa Petra.
63:27.2
Ah, paano ba magpunta
63:28.9
dyan, no? Nasa UAE,
63:31.4
si Jorah. Sa Japan naman,
63:33.4
si Janet. Si Miss
63:35.0
Taurus, nag-hello sa atin.
63:37.6
nag-hello din sa atin.
63:42.0
Kasama din natin from
63:43.1
Kuwait, si Sonia.
63:49.3
Okay. Nako, ang dami pa. Sige.
63:51.2
Ito na. Si Dulce,
63:53.4
nasa Paris. Si Mark, nasa Canada.
63:55.3
Si Yoli naman ay sa Hong
63:57.0
Kong. At watching from
63:58.9
Singapore, ay Singapore, Switzerland,
64:05.1
Nakita ko na. Napakaganda.
64:09.0
Executive Director ng
64:19.9
Hello, Sir Vince.
64:23.2
ng Shinermo kanina, di ba?
64:25.0
Meron tayong upcoming
64:30.4
meron tayong mga free
64:32.8
or magkakaroon ng mga
64:34.4
free webinars dahil meron tayong
64:36.7
pakontest na ginawa. So,
64:39.0
ang mapapanalunan nila
64:40.7
is yung webinar natin this
64:42.9
Saturday na, yung
64:44.7
Learning Together to Leverage Insurance
64:46.9
for Financial Freedom.
64:50.8
unang tinanong mo is
64:52.8
magpa-fill in the blanks
64:59.0
To conserve water,
65:00.8
shower, blank, blank, blank.
65:05.3
nating winner ay si
65:06.7
Maha Santos Jacob
65:08.6
or Jacob. And, ang sagot
65:10.8
niya ay to conserve water,
65:14.6
neighbor. O, di ba?
65:17.3
So, ayan. Siya yung una
65:18.8
nating webinar winner.
65:20.8
And, yung pangalawa nating webinar
65:22.6
winner ay si Bads A.T.
65:25.7
naman, ang sabi niya,
65:27.4
to conserve water, use
65:29.6
the two partners.
65:32.3
Pero, ang two partners,
65:37.7
So, very witty ang ating mga
65:41.5
And, yung pangatlo nating winner
65:51.8
shower na bathtub.
65:53.9
Like in a bathtub.
65:55.7
With batya. Tapos,
65:57.6
ang gagamitin mo ay tabo
65:59.6
at balde. Tapos, yung malang
66:01.4
kukolekta dun sa batya will
66:05.5
reuse as recycle. So, pwedeng
66:07.7
panglinis, pangwashing
66:09.9
and flushing the toilet bowl.
66:13.7
natuto na tayo sa kanila
66:15.5
at dahil natuto tayo sa kanila,
66:19.0
ating free na webinar this
66:21.3
Saturday. And, meron pa tayong
66:23.4
pang-apat. Nagpahula sa
66:25.5
si Servins kung ano itong
66:31.7
And, meron tayo na
66:33.3
isa na nakatama ng
66:41.3
Ayan. So, congratulations
66:42.8
sa ating four webinar winners.
66:46.9
Kumunta lang kayo dun sa ating
66:49.5
registration link
66:51.1
and ang piliin ninyo
66:53.4
ay webinar winner.
66:55.5
Para free ang inyong
67:01.3
ang pag-uusapan natin ay
67:03.3
Organic Options, Inc.
67:05.4
And, ilo-launch natin yung
67:13.2
discussion tungkol sa
67:14.9
Senti Kasosyo, Organic
67:19.0
Yung ating terms and conditions for the OOI
67:21.4
5. And, kung kayo
67:23.1
ay interesado, paano ba
67:27.1
Okay. So, ang Senti ay merong
67:29.0
three main programs at
67:31.1
isa dito ay yung ating
67:33.1
kasosyo, which is yung ating
67:35.1
socially responsible
67:39.5
Ayan. So, ang objective
67:40.8
ng kasosyo program is first
67:43.0
develop a movement of social
67:45.1
investors that puts
67:46.8
people and planet above
67:49.0
profit. And, we also support
67:51.3
development organizations
67:52.8
and nano-enterprise.
68:05.1
Financial Education, we're hoping
68:07.3
na yung ating mga viewers
68:11.3
mga kasosyo natin,
68:13.4
no? And, masuportahan
68:17.3
yung ating mga kanegosyong
68:19.2
mga maliliit na negosyante,
68:21.4
farmers, fisher folks,
68:23.3
artisans, laborers,
68:33.2
Ayan. So, yung ating
68:35.3
mga kasosyo ay magkocontribute
68:38.0
ng kanilang joint
68:39.1
venture savings para magamit
68:43.3
venture capital ng ating mga
68:49.0
kasosyo din na gagamitin sa
68:51.1
kanilang project yung
68:55.0
contribution from joint
68:56.8
venture savings. So, ang
69:06.4
kasosyo is magkocontribute
69:08.8
ng joint venture savings,
69:10.9
then gagamitin itong mga
69:12.6
savings na ito pang kapital
69:14.5
nung ating mga different
69:16.6
projects, no? And
69:18.8
then, pag nagbayad yung ating
69:20.7
mga kanegosyo at iba pang
69:25.0
ayad ng service charge, and
69:28.0
shared between SEDP
69:30.9
and ipipay out as
69:33.1
dividend sa ating mga kasosyo.
69:39.0
ating mga kasosyo ay nagiging member
69:41.2
sa SEDP Cooperative
69:42.9
and pwede silang mag-ipon at
69:46.8
joint venture savings or yung tinatawag
69:49.1
din nating SRI or
69:50.7
socially responsible investments.
69:54.9
joint venture savings or
69:59.4
una ay kumipili ng
70:00.8
specific project to support.
70:02.8
This could be working capital, share
70:04.8
capital, and real estate joint
70:06.8
ventures. And then, yung pupondohan
70:09.2
ng kapital ay mag-a-entertain
70:12.7
activity or specific project.
70:16.7
ay with the intention of
70:18.6
sharing profits, no?
70:20.7
Between SEDP and yung ating
70:22.7
mga kasosyo na members ng
70:24.9
PICOOP. Pero, hindi lang
70:26.8
yung profits, yung
70:28.2
nag-share din tayo ng
70:33.3
So, in terms of profits,
70:36.7
joint venture savings earns
70:38.7
higher than interest on bank
70:43.5
may possibility ito
70:44.9
na magkaroon ng capital
70:46.7
loss. Ibig sabihin, wala itong
70:54.9
dito sa ating joint venture,
70:56.9
isa sa mga project na ating sinusuportahan
70:59.4
ay yung Organic Options, Inc.
71:01.8
So, ano ba yung Organic
71:03.0
Options? So, ito ay isang
71:05.1
social enterprise.
71:07.0
So, isang negosyo with the heart.
71:09.5
So, it serves as a link
71:11.1
between farmers and consumers
71:12.9
whose main task is to bring
71:15.1
clean, safe, and healthy produce
71:17.2
to the consumers.
71:18.8
So, ang nangyayari, yung ating mga farmers
71:21.2
ay nagbebenta ng kanilang
71:23.1
produkto sa Organic Options.
71:24.9
Ang Organic Options
71:27.1
ay iri-repackage ito,
71:29.5
making sure na maganda
71:31.1
yung quality ng ating vegetables,
71:33.4
and then, iti-deliver
71:35.2
and ibibenta sa ating
71:37.1
mga supermarkets.
71:39.3
So, nalilink niya yung
71:42.8
different supermarkets. Diba?
71:44.9
Bongga yung mga farmers natin.
71:47.2
Umaabot dito yung kanilang
71:48.9
mga produkto. Ayan.
71:51.1
So, in this way, it helps
71:53.0
improve lives of small,
71:54.6
smallholder farmers through
71:58.2
Tapos, nai-ensure pa na
72:00.6
yung kakainin natin as
72:02.4
consumers ay clean, safe,
72:06.2
At readily available din.
72:08.5
So, ang Organic Options, or OOI,
72:11.5
partners with almost
72:12.6
300 smallholder farmers
72:17.3
Ayan. So, ayan si
72:18.2
Servins. Magkita ninyo sa
72:21.2
packing area. Nandun yung mga
72:24.6
ating mga gulay. And talagang
72:26.5
fresh na fresh yung ating gulay sa
72:52.5
Dahil, sa nilalang yung
72:54.5
Yung mga vegetables natin ay nasa malamig na lugar pa rin para hindi sila sa cold forest.
73:02.2
At yan para talagang fresh na fresh pa rin pagdating sa mga supermarkets.
73:06.7
Kasi naman, may mga foreign girls na nilalagay ng mga delivery products natin na maraming magiging hindi malamig na ako mga gulay.
73:14.7
So, ito ang mga stage natin at magmalakas na gano'n tayo magbibenta.
73:19.7
At ito pa rin, mas mula kolosyal siya kundi nabibili tayo ng talagang post-college na tatakyan.
73:26.7
So, as mula na pa-rehab natin, meron tayong 18.
73:30.7
Actually, ito magiging pa nga yung mga pinagkakataon natin sa paglalakas namin sa aking tao.
73:34.7
This is where our investments will go.
73:36.7
At makikita nyo yan, ito yung magtaling natin, ito yung own radish.
73:40.7
Sa kabila naman ay yung guac choy at sa pag-Chinese kale naman doon.
73:45.7
Yung mga tinatanggap natin dito ay mga high-value crops talaga.
73:48.7
To make sure that we get to the higher value market.
73:51.7
At magmalaki yung difference na kusipan natin.
73:53.7
Ito din yung tinatungo natin sa mga farmers natin.
73:55.7
That's why we are able to earn more from their farming activities.
74:03.7
Ayan! So, itong susuportahan nating OOI 5, ang purpose niya is to finance expansion of operations of OOI
74:14.7
so that it is able to continue providing source of income to farmers.
74:18.7
And also protect biodiversity integrity through sustainable agriculture.
74:24.7
Ayan! So, paano kayo makakapag-participate dito?
74:29.7
So, itong OOI 5 ay may, pwede kang mag-deposit or mag-invest ng may minimum ng 10,000 or in multiples of 10,000.
74:41.7
Ang maximum naman na pwede ninyong i-contribute ay 500,000.
74:46.7
And then, ito ay may 1-year term with quarterly payout.
74:51.7
Okay? Open ito sa mga SEDP members.
74:54.7
And ang return ay 9% per annong fixed based on diminishing balance.
75:03.7
Ayan! So, meron tayong 3% exit fee kung redeem before contribution payout in my wallet.
75:12.7
And wala itong guarantee.
75:15.7
So, kung sakaling mag-miss ng repayment yung OOI, hindi pwedeng i-withdraw or i-transfer yung savings nung ating mga member savers.
75:25.7
Ayan! So, yung payouts natin, as I mentioned, quarterly based on actual joint venture capital collections.
75:33.7
Credited ito sa SEDP wallet. Pero yung once na nasa wallet na siya, hindi kikita ang amount na nandito.
75:43.7
And yung payout sa wallet, hindi din kumikita.
75:49.7
Ayan! So, in comparison, so OOI, yung joint venture savings natin, 9% ang kita nito versus the inflation.
76:02.7
So, ang inflation natin ay nasa 6.6%.
76:06.7
Ang pag-ibig MP2 naman, ang dividends niya for 2023 is 7.05.
76:13.7
Yung RTB30 net of taxes ay 5%.
76:18.7
Yung RDB2 naman ay 5.8% versus ang ating stocks na negative 1.8%.
76:34.7
So, ang starting period natin na pwedeng mag-invest sa OOO5 ay sa March 7.
76:42.7
Pero habang hinihintay niyo yan, ay pwede niyo nang i-make sure na kayo ay member na ng SEDP.
76:50.7
Ayan! So, ito ay first come, first serve basis.
76:55.7
Pag napuno na yung target na amount na meron tayo, o yung limit natin, isasara na natin yung OOOI 5.
77:08.7
So, paano mag-join sa SEDP ko?
77:10.7
First is to attend self-paced online PMES.
77:17.7
Then, pay 100 pesos membership fee and 1,000 pesos initial share capital.
77:25.7
Pagkatapos ito ay mag-open kayo ng SEDP kasosyo online or KSO account and inform deposit.
77:33.7
Make sure niyo din na updated yung inyong profile para kayo ay makapag-participate sa OOOI 5.
77:38.7
So, be a social investor. Ito po yung ating QR code and link for the PMES.
77:49.7
And how to participate in OOOI 5?
77:55.7
So, whether it's fresh deposit or investment, pupunta po kayo sa SEDP kasosyo online and then piliin niyo yung OOOI 5.
78:10.7
So, for other joint venture savings options, pwede ninyong bisitahin ang bit.ly slash SEDP SRIs
78:20.7
or picturan niyo itong QR code para dalhin kayo mismo dun sa ating website.
78:29.7
You can also get in touch with us kung meron kayong katanungan sa aming Facebook page,
78:34.7
sa aming email na support at SEDP.com,
78:37.7
and sa ating landline and cellphone number.
78:43.7
Ayan. Laging tandaan ang pagyaman na pag-aaralan at na pagtutulungan.
