00:56.3
Tonight, actually, hindi ko na siya guest eh. Co-host ko na ito.
00:59.8
Makakasama natin si Alex mamaya para pag-usapan kung paano ba magturo tungkol sa pera sa mga bata.
01:07.6
And then, itong number two naman ay very interesting kasi paano ba natin naayusin ang ating estate record?
01:14.4
At ito kasing estate record natin, ito yung mga listahan ng lahat ng mga ating mga ari-arian at mga pagkakautang natin
01:21.4
para sakaling may mangyari sa atin ay alam kung saan hahanapin.
01:26.3
Mga papeles, baka may natatago kayong mga bank account dyan.
01:30.4
Nako, hindi nila mawi-withdraw, diba? Ganyan.
01:33.7
Parang ako naalala ko nga eh, merong, ah, hindi ko naalala.
01:37.1
Kami ni Edwin, meron kaming usapan na kapag ako ay namatay na, diba?
01:44.6
Ito na lahat ng mga password ko sa aking mga banko, sa aking mga online bank.
01:49.7
Simutin na niya, ilipat na niya sa kanyang bank account, diba?
01:56.3
May ganon kaming eksena.
02:00.0
So, papasokin na natin ang ating co-host ngayong gabi, si Alex.
02:07.1
Ayan, hello, Alex.
02:13.7
So, antagal natin hindi nag-
02:15.3
When was the last time we had our live stream together?
02:19.5
Um, I think, Feb?
02:25.5
Ah, tatlong buwan ba yun?
02:26.6
February, March, April.
02:28.1
Halakha, tatlong buwan yung nakalipas, diba?
02:34.7
Pag-uusapan natin ngayon, Alex, yung tungkol sa estate record.
02:40.6
Kayo ba ni Happy ay napag-uusapan nyo na ang inyong estate?
02:45.3
Oh my gosh, medyo behind kami dyan.
02:49.4
Natuwa nga ako sa slide deck.
02:51.1
Masabi ko, matututo ako dito.
02:55.5
So, yung estate record naman natin, actually, itong estate record keeping natin
03:02.3
is a way for us to track all the documents pertaining to our assets
03:09.4
at mga bagay-bagay na mahalaga sa atin.
03:13.9
So, ilalagay natin lahat yun at ilalagay natin siya sa tamang lalagyan.
03:19.7
So, unahin natin sa ating estate record ang ating personal.
03:25.5
So, ito ang madali-dali naman.
03:29.0
Ano yung mga ating personal information?
03:30.9
Yung pangalan, yung pangalan ng asawa o ng partner,
03:35.5
ang mga anak, ang mga ibang mga beneficiaries na nakasulat doon sa will,
03:42.1
date and place of birth, ID passport, mobile number, at saka current address.
03:48.3
So, yan yung mga titignan natin na nilalaman ng ating mga personal
03:55.5
Personal information.
03:56.8
Madali naman ito, di ba, na makukuha.
04:00.7
Yes, straightforward naman siya.
04:03.3
So, ang susunod ay kailangan natin din makita ang ating mga personal advisors.
04:09.7
So, sino ba yung mga personal advisors natin?
04:12.6
Ako, baka kapag personal advisor, anong pumapasok sa isip mo?
04:18.1
Well, personal advisors.
04:21.5
Basically, yung mga pinagkakatiwalaan when it comes to will,
04:24.9
in this specific case, financial matters, di ba?
04:28.2
So, ayun, yun ang, in my case, sila yung personal advisors ko.
04:32.8
Well, that's basically my family of origin.
04:39.2
So, mga mga personal advisors natin, usually, ito,
04:42.0
nakakompose siya ng ating mga tao, no,
04:45.3
who have the power of attorney or personal care, no,
04:51.3
Yung powers of attorney kasi, yan yung mga,
04:54.9
maililipad sa iyo yung kapangyarihan na pumirma
04:58.6
sakaling may mangyari sa iyo.
05:00.2
O kaya, you're giving this person the authority to decide on your behalf
05:06.1
if something happens to you, no?
05:07.9
So, nakalagay dapat dyan, yung location, kung sino yung attorney,
05:12.7
ang address, at saka yung mobile number.
05:17.3
So, actually, ito, hindi pa namin nagagawa ni Edwin,
05:21.1
yung powers of attorney.
05:24.9
very important sa amin, lalong-lalo na, no,
05:27.3
ay, kasi hindi kami kasal, di ba?
05:30.3
Hindi naman kami pwedeng ikasal.
05:34.6
Jeff, parang masyado akong dark.
05:43.7
kami kasi ay, ano, di ba?
05:46.7
Mga LGBT kami, ganyan.
05:48.4
So, walang, technically, walang karapatan si Edwin
05:59.2
sakaling may mangyari sa amin, parang gano'n.
06:04.0
ako, for example, gusto ko kasi pagka namataya ko,
06:09.5
naghihingalo na ako,
06:14.4
siya na yung bumunot, no,
06:17.1
Grabe na yung sense of responsibility yan.
06:21.9
Anong ba ni Edwin yan?
06:25.6
ganito lang yun, no?
06:26.7
Ang isipin mo lang lahat,
06:28.2
ang mga kinikinisan mo sa akin
06:30.8
kapag gano'n nangyari.
06:36.2
para mas madali mo siyang
06:41.3
So, yan yung mga personal advisor.
06:42.5
Tapos, yung doktor din, ano?
06:45.6
nandyan din yung, ano natin, sa doktor.
06:50.1
doktor ang natatawagan natin?
06:52.1
Bakit pagbigay mo personal advisor,
06:56.0
mahalaga din dyan yung
06:59.1
health natin, di ba?
07:00.3
Kung, kunwari, may mangyari sa akin,
07:03.1
may mangyari sa iyo, for example, ano?
07:08.8
ano, sino yung doktor natatawagan?
07:15.4
kasi for example,
07:16.3
like ako, no, yung sila mama at papa,
07:18.3
may doktor sila na
07:20.7
in-charge sa kanilang
07:24.4
Merong doktor in-charge sa mental.
07:26.9
Ako, lalo na yung mental health ko, no?
07:31.4
Tatawagan yung doktor if something happens.
07:33.9
And then, mga lawyers at mga accountants,
07:37.4
tapos yung mga bank contacts.
07:38.9
So, sino-sino yung mga yaan.
07:40.9
So, ang importante dito actually, itong
07:43.4
bank contact natin, no?
07:45.9
Lalong-lalo na kapag meron tayong mga
07:47.9
malalaking deposito sa banko
07:49.9
or mga mahalagang transaction sa banko,
07:51.9
you always have to make sure na,
07:55.9
kilala natin sila.
07:57.9
Hindi ko alam dyan sa, ano, no,
07:59.9
dyan sa Italia. Pero, for example,
08:01.9
dito sa, ano, sa Pilipinas,
08:06.9
pag nagdeposito ka na ng mga
08:08.9
kalahating milyon,
08:10.9
medyo kilala ka na nung bank manager.
08:16.9
May personal relationship ka na, kung baga.
08:18.9
Oo, may personal relationship ka na.
08:20.9
So, kailangan may mga contact contact.
08:22.9
So, ewan po dyan sa Italia kung...
08:25.9
Well, actually, I won't know
08:27.9
kasi wala akong personal relationship sa kanila.
08:31.9
Meron akong, kung baga, meron akong list
08:33.9
ng mga, yung bank contact ko.
08:36.9
I mean, hindi naman, in the years,
08:39.9
medyo iba-iba yung tausap ko
08:41.9
since hindi naman ako, ano,
08:45.9
Pero, ang nilist ako, yung
08:47.9
tao na talagang feeling ko ay connected with her,
08:51.9
the most. Kasi may iba na yung hindi masyado,
08:56.9
mamaasikaso sa kliyente.
08:58.9
So, ang sinulat ko, yung
09:00.9
kung baga, yung nakasundo ko talaga.
09:02.9
Oo. At saka, actually,
09:04.9
dyan kasi sa, ano, no, dyan kasi sa
09:08.9
developed countries, parang
09:10.9
less talaga yung interaction with the people
09:12.9
in the bank. Mas online na
09:14.9
ginagawa. Yes. I think that's why...
09:16.9
Super limited. Super limited.
09:18.9
That's one thing na gusto na rin gawin dito sa Pilipinas.
09:20.9
Pero, iba pa rin talaga, eh, ang personal
09:22.9
personal touch. Lalo na kapag
09:24.9
pera ang pinag-uusapan.
09:28.9
next naman sa ating estate, no.
09:30.9
So, meron na tayo ng personal information, yung mga
09:32.9
personal advisors natin. Ang susunod naman
09:34.9
ay yung ating will.
09:38.9
last na will na yan? Saan yung location
09:40.9
nito? Sino yung executor
09:42.9
or trustee? Ibig sabihin niyan, sino
09:44.9
yung mag-i-implement
09:50.9
namatay sa... may nangyari sa'yo
09:52.9
or something. Yung address,
09:54.9
mobile number, no? Mga
09:56.9
titignan natin lahat
10:02.9
Actually, meron na kong
10:04.9
meron na kong naging
10:08.9
episode na pag-uusapan itong
10:12.9
testament nga. And dito sa Philippines,
10:14.9
kailangan yung will
10:18.9
effective, kailangan
10:20.9
nakaka-probate sa
10:22.9
court. Ang ibig sabihin, parang nakaregister
10:30.9
limitations siya, na parang
10:32.9
hindi mo po pwedeng
10:36.9
yung mga bagay na
10:38.9
may karapatan pa yung mga compulsory heirs
10:40.9
mo. Kasi sa family code natin,
10:42.9
talagang may karapatan yung mga
10:44.9
compulsory heirs. Ganyan.
10:48.9
actually, ang maganda pa lang ay
10:52.9
i-distribute mo na, or
10:54.9
gawin mo na kung anong gusto mong gawin
10:56.9
sa mga ari-arian mo.
10:58.9
Kesa sa aantayin mo
11:00.9
yung kamatayan mo, at
11:02.9
mag-aaway-aaway yung mga maiiwan.
11:04.9
Oo, that's true, Vince.
11:06.9
Actually, I think
11:08.9
yung mga pamilya ngayon, dapat mas
11:10.9
most realistic when it comes
11:12.9
to these things. Meron kasing
11:16.9
hindi rin nila gustong pag-usapan
11:18.9
yung mga ganyan bagay. Pero ganun din,
11:20.9
by law, may mga compulsory heirs
11:22.9
mga. Yung iba nga,
11:24.9
medyo kinikinta na nila kung
11:26.9
alam mo yun, magkano,
11:28.9
o ano yung makupunta sa kanila. Pero
11:30.9
I agree with you, just because
11:32.9
ano yan eh, source din yan eventually
11:36.9
ng conflicts within the family,
11:38.9
diba? Kung ano yung pwedeng isip,
11:42.9
wants to stay around and
11:44.9
in their right minds, dapat siguro
11:46.9
pag-usapan. Correct, no?
11:48.9
So kami, ang ginawa namin sa
11:50.9
family ay, yung parents
11:52.9
ko, nilipat na na lahat
11:54.9
yung mga ari-arian
11:56.9
sa mga pangalan namin.
11:58.9
I think it's because
12:02.9
siyempre sinasabi ko, diba? Yung tatay ko
12:04.9
kasi babaero, so si mama
12:06.9
gustong manipulado.
12:08.9
So ilanin niya na agad,
12:10.9
diba? Parang, oh. Okay.
12:12.9
I think it's better na sa mga anak,
12:14.9
maihirapan nang umuha daw yung mga anak ni papa
12:16.9
sa labas, ganyan.
12:18.9
So, yun ang eksena
12:20.9
ni mother. Ayun. Anyway.
12:22.9
So, yun. Pero I think ano, no?
12:24.9
Maganda na napag-uusapan pa
12:26.9
ang mga bagay na yan,
12:28.9
nakaharap sila at kaharap ang lahat.
12:32.9
idadaan na lang natin sa dokumento
12:34.9
after. I think mas okay pa rin yun
12:36.9
na mapag-uusapan sa mga buhay
12:38.9
kaysa sa pagka-patay na.
12:42.9
morbid. Yung pang-apat
12:44.9
nating kailangan i-arrange for our
12:46.9
estate record ay yung funeral arrangements.
12:48.9
No? Yes. Kasi lahat
12:50.9
naman tayo mamamatay. So ano yung
12:52.9
mga pre-planned funeral
12:54.9
packages na meron ka? Ano yung
12:56.9
mga funeral home address,
12:58.9
contact name, mobile number,
13:00.9
at saka details ng
13:04.9
So actually kami,
13:06.9
actually lately lang, kaming
13:08.9
magkapatid, yung panganay namin
13:10.9
tsaka ako, nag-usap one time.
13:12.9
Tapos sinasabi ko, alam mo
13:14.9
ate, sabi ko sa kanya, ako lang
13:16.9
mag-isa dito sa Pilipinas eh. Tapos
13:18.9
sila mama at papa nandito. Paano pag ano?
13:20.9
Paano pag may nangyari
13:22.9
sa anuman sa kanila? Ayoko na
13:24.9
doon na lang tayo mag-iisip kung
13:26.9
ano yung gagawin. Yes.
13:28.9
So step one, anong gagawin natin?
13:30.9
O bibili na kayo ng ticket agad-agad.
13:34.9
And then, dapat parang
13:36.9
naka-establish na rin. O gaano ba
13:38.9
tatagal yung burol? So we said, okay,
13:40.9
one week is maximum na yun para
13:44.9
that's enough time for all of us. Mga ganon, no?
13:46.9
And so yun. Tapos ang nakakatawa,
13:48.9
while we were doing it,
13:50.9
umiiyak na kaming dalawa.
13:54.9
Okay, pero you know, I mean,
13:56.9
syempre, I mean, mga bagay na
13:58.9
hindi madaling pag-usapin daw. Pero
14:00.9
I agree with you.
14:02.9
Dapat talaga. Kasi kesa
14:04.9
naman kung kailan nangyari, diba?
14:06.9
Everyone's emotional.
14:08.9
Hindi ka makapag-design.
14:10.9
So if you can get certain things
14:12.9
out of the way, mas mabuti talaga.
14:16.9
ganun nga yung ano, yung pinaplano namin.
14:18.9
And then sabi ko, okay, so
14:20.9
what we planned, we'll
14:22.9
talk with our other siblings
14:26.9
nila kung ano yung
14:28.9
mangyayari. Kasi actually, ang isa pa ay,
14:30.9
sa totoo lang, ang mas
14:32.9
kinakatakutan ko ay, yung may
14:34.9
mangyayari sa parents ko, magkasakit,
14:36.9
ganyan, itatakbo sa hospital,
14:38.9
so sino yung mga tatawagang? Doktor?
14:40.9
Kasi malayo eh, sa probinsya.
14:42.9
Tapos dadalhin pa dito sa
14:46.9
And parang it happened once
14:48.9
before, during the pandemic, yung tatay ko ay
14:52.9
evolution, parang ganun. So sobrang
14:54.9
highly stressful.
14:56.9
And sa tingin ko, mas makakatulong
14:58.9
talaga kapag nandyan na yung mga
15:00.9
contact numbers na
15:02.9
tatawagan at ano na lang,
15:04.9
parang, and then kung nandyan
15:06.9
yung mga contact numbers, you can delegate it.
15:08.9
And you can allot your
15:10.9
other, ano, energy and time
15:12.9
with something more productive.
15:18.9
next one is yung ating
15:22.9
Okay? So kung meron na tayong
15:24.9
cemetery plot, ano yung plot
15:26.9
number, location ng
15:28.9
deed, contact name, mobile,
15:32.9
contact natin. So, dito
15:34.9
sa cemetery plot, actually,
15:36.9
kami naman ni Edwin,
15:38.9
nag-usap nito. So,
15:42.9
mamamatay, sabi ko sa kanya,
15:44.9
saan ako ililibing? Ganyan.
15:48.9
ay, sabi ko, malamang, ano,
15:50.9
ililibing ako nila mama sa Quirino, kung saan
15:52.9
yung probinsya nila.
15:56.9
eh, eh, kung ako yung mamamatay, eh,
15:58.9
malamang, dun ka din. Sabi ko, ay, naku,
16:00.9
hindi pa payag yung mga taga-kabanatuan,
16:02.9
yung sa kanila daw. So, paano?
16:04.9
Ike-cremate ka na lang namin at ahatiin.
16:10.9
o kaya batoba-topic na lang,
16:14.9
Kung ano, yun yung
16:16.9
sabi niya. Pero ang sabi niya ay, naku,
16:18.9
para hindi ka naawayin, pumayag ka
16:20.9
na sa kabanatuan. Anyway, ano
16:22.9
lang naman yan, katawang lupa.
16:24.9
So, at isang mga bagay
16:26.9
na yan, no, na pag-uusapan na.
16:30.9
huwag na nating bigyan ng problema
16:34.9
maiiwan pa natin. Yes.
16:38.9
hindi ko alam kung meron pa kayo nito,
16:40.9
no, sa mga safety
16:42.9
deposit boxes, di ba?
16:44.9
So, asan ang location nito? Box number,
16:46.9
key location, kung meron
16:48.9
man, di ba? Usually, ito,
16:50.9
dati sa bangko ito, eh, meron.
16:52.9
You keep your important
16:54.9
documents there, o yung mga heirloom mo, ganyan.
16:56.9
Pero, hindi kami umabot
16:58.9
sa ganyang level ng yaman.
17:00.9
Wala rin kami yan.
17:02.9
Wala rin kayo yan.
17:08.9
yun ding, ano, no, location, ito na,
17:10.9
ito yung pinaka-important, mga importanteng
17:12.9
dokumento. So, location ng
17:14.9
important documents natin.
17:16.9
So, birth certificate mo
17:18.9
ng spouse at saka ng
17:20.9
mga anak, marriage certificate,
17:22.9
citizenship and passports,
17:24.9
oo, naku, very relevant
17:26.9
yan sa'yo, no. And then,
17:28.9
medical records, income tax
17:30.9
returns, at saka mga
17:32.9
bank records natin.
17:34.9
So, lahat ng yan ay
17:38.9
i-sasalansan natin, ipa-file natin,
17:42.9
sa mga, sa safe na lugar.
17:44.9
Umaga, yung hindi,
17:48.9
masusunog, ganyan, or hindi
17:56.9
ano pa yung mga, ano, ano pa yung
17:58.9
mga dokumento na kailangan
18:00.9
natin pinagyan. So, yung mga
18:02.9
investment records natin.
18:04.9
Parang nag-i-echo na.
18:08.9
Location ng mortgage records.
18:14.9
vehicle ownership records, mga
18:16.9
separation divorce papers,
18:18.9
kung meron, cohabitation
18:20.9
records, custody or
18:22.9
adoption records, kung
18:24.9
tayo ay may in-adopt.
18:26.9
Okay? Yung mga aso ko natin na in-adopt
18:28.9
natin, hindi po kasama yung mga yun.
18:34.9
Kusama ba yun? Yung mga sa mga fur
18:36.9
maintenance, di ba? Ang dami na ngayon.
18:38.9
Actually, alam mo,
18:40.9
contentious nga yan
18:42.9
sa akin, na parang
18:50.9
babies ngayon. And I totally
18:52.9
respect that. Pero, ako
18:54.9
ang icha-challenge ko lang talaga dyan ay
18:56.9
o isipin nyo naman kung yung pera na
18:58.9
ginastos ninyo ay pinangkawang
19:00.9
gawa nyo na lang sa mga naghihirap
19:02.9
dito sa Pilipinas, eh
19:08.9
productive. For me, that's ano lang naman.
19:10.9
That is my opinion.
19:12.9
Ikaw ba? Mahilig ba kayo?
19:14.9
No, I mean, I agree with you, Vince. It's just that
19:16.9
ano kasi eh, for a lot
19:18.9
of people, lalo na
19:20.9
yung ganyan na yung
19:22.9
proud fur parents,
19:24.9
parang it fills in
19:28.9
emotional need. Kung hindi
19:30.9
parang sa akin, eh ano,
19:32.9
parang pet versus
19:34.9
other people, hindi
19:38.9
hindi ganun yung hangin nila. Kaya,
19:42.9
we see more and more people
19:44.9
talagang splurging on their
19:46.9
pets. Pero at the end of the day,
19:48.9
they are pets. So...
19:50.9
It's a big business, eh. And I think
19:54.9
sinasabi na you really have to
20:02.9
kasayahan mo, hindi kailangang
20:06.9
ng ganung kabigat. I mean, for me, ha?
20:10.9
pain ko talaga. Kasi,
20:12.9
yung iba parang tinatrato ng
20:14.9
tao. Kaya ako naman parang...
20:16.9
Marami, marami, diba?
20:18.9
Like you said, it's a big business. Kasi,
20:20.9
siyempre, everyone's paying attention
20:22.9
and everyone's noticing, oy, may malaking
20:24.9
pera dyan sila. Kaya, even
20:26.9
yung accessories business
20:28.9
is booming because of
20:30.9
her parents. Oo. Pero
20:32.9
don't get me wrong. Ako, ako mismo,
20:34.9
mahal na mahal ko si Mylo, diba?
20:36.9
Parang ganyan. Pero,
20:40.9
mauoperahan siya or
20:42.9
something at gagastos ako ng,
20:44.9
let's say, 100,000 pesos,
20:46.9
aba, sabihin ko, Mylo,
20:48.9
yung 100,000 pesos,
20:50.9
aba, eh, kalahating bahay na yan doon
20:52.9
sa pinapatayo natin, socialized housing,
20:56.9
ha? But I'll see you in the next
21:02.9
So, the next thing that we have to prepare
21:06.9
estate record are our bank
21:08.9
information. So, yung bank information natin,
21:10.9
ano yung financial institution
21:12.9
na yan? Address and phone number.
21:14.9
Ano yung mga account numbers?
21:16.9
Type. Sino yung may-ari
21:20.9
accounts na yaanan.
21:22.9
At, siyempre, itong mga information
21:24.9
na ito ay, nako, wag nyo itong
21:30.9
baka naman ang mga information nyo ay
21:34.9
sa, ano, ipiprint ninyo,
21:36.9
tapos ilalagay ninyo sa harap
21:38.9
ng ref. Nako, mali yun, diba?
21:40.9
So, ilalagay nyo yan sa
21:42.9
safe na lugar. Actually, minsan na nga,
21:44.9
gusto kong sabihin kung paano ko
21:46.9
ginagawa yung akin. Pero, siyempre,
21:48.9
kapag sinabi ko na kung paano ko ginagawa
21:50.9
yung akin, eh di alam na ng lahat,
21:52.9
diba? Na-broadcast mo
21:54.9
tuloy, diba? Na-broadcast.
21:56.9
So, hindi mo pwedeng
21:58.9
sabihin, parang ganun.
22:00.9
Pero, yun nga, ang
22:06.9
challenge talaga doon, no?
22:08.9
Tapos, yung mga ibang pa natin titignan,
22:10.9
mga investment account information natin,
22:12.9
so, saang institution ito, ano yung
22:14.9
address ulit, phone number, account number,
22:16.9
account type, at saka sino yung
22:18.9
may-ari. For example,
22:20.9
kami, no, ako, pag nag-
22:24.9
accounts, usually,
22:26.9
pag mga investment accounts, naka-
22:28.9
end talaga kami ni Edwin, no?
22:40.9
So, it depends kung ano yung level ng
22:42.9
relationship ninyo or arrangement
22:44.9
ninyong mag-asawa. Wala namang
22:46.9
mali or tama doon, no? Kung
22:50.9
ano to, joint kayo, walang
22:52.9
ano doon. Basta ang maayos
22:54.9
ay, alam ng isa't isa,
22:58.9
permission, kumbaga, no?
23:02.9
Ayan, may agreement.
23:06.9
Ano pa? Mga pension plans natin,
23:08.9
kung meron tayo. So, company name,
23:10.9
address, and phone number, tsaka
23:12.9
plan number. So, ang
23:14.9
pinaka-basic sa atin dito yung ating SSS,
23:16.9
no? Kasi pension plan din yun.
23:18.9
Pero kung meron pa kayong mga iba,
23:22.9
kailangan din na lagay natin dyan.
23:24.9
If you have annuities, dito sa Pilipinas,
23:26.9
wala tayong annuity, eh. Pero
23:28.9
sa Australia, meron sila nyan.
23:30.9
I'm sure, sa mga developed countries, katulad
23:32.9
sa Italy, where you are now, meron din
23:34.9
yan. So, who's issuing
23:36.9
this annuity? Ano yung address and
23:38.9
phone number, policy number,
23:42.9
location. So, essentially,
23:44.9
yung annuity is, the way
23:48.9
I'll use, ano, I'll use Australia
23:50.9
as an example. For example, ako, matanda
23:52.9
tayo, and I have,
23:56.9
I can surrender or
24:00.9
all my properties into a
24:02.9
organization that will handle,
24:04.9
ah, that will handle this property.
24:06.9
So, annuity yung tawag doon.
24:10.9
i-mamanage na nung
24:12.9
organization na yan, yung ari-arian mo.
24:14.9
Tapos, parang bibigyan ka na lang niya ng
24:20.9
until you die. Right. So,
24:22.9
what's in it for them? If you
24:26.9
before you consume all
24:28.9
the value of your assets,
24:30.9
eh di, kikita sila.
24:32.9
But if you outlive
24:34.9
your assets, winner ka.
24:38.9
So, sila yung, ahm,
24:42.9
Okay. And then, eto,
24:44.9
mga location ng valuable
24:46.9
personal assets din. Mga sasakyan natin,
24:48.9
art, jewelry, mga coin collection,
24:50.9
kung meron tayo, no?
24:52.9
Ahm, what else? Real
24:54.9
estate. Ito yung mga importante, no?
24:56.9
Address, purchase date,
24:58.9
purchase price, market price,
25:00.9
at sino ba yung may-ari
25:02.9
nito at saka title number
25:04.9
and then yung title location.
25:06.9
Kung ito ba ay naka-mortgage?
25:08.9
Kung mortgage siya, ano yung
25:10.9
reference number? Tapos, titignan
25:12.9
din natin yung mga, ahm, tax
25:14.9
declaration niyan, no? Kung nakapagbayad ba tayo
25:16.9
ng, ahm, amilyar.
25:18.9
Naalala ko yan, nung I think
25:20.9
suddenly my parents
25:22.9
realized na ako na lang
25:24.9
yung natitirang anak dito.
25:26.9
Tapos lahat ng mga, ano,
25:28.9
mga kapatid ko, abroad na.
25:32.9
Tinuro nila ako sa mga lupa. O, ayan,
25:34.9
ito yung lupa natin, ha? O, tandaan mo yan, ha?
25:36.9
Ito yung lupa natin.
25:38.9
Mga ganyan. So, parang... Natabi di mo ba
25:40.9
yung trip na yun? Ang hirap naman tandaan lahat
25:44.9
Tapos sabi ko, ibenta nyo na lang
25:46.9
yan, enjoy nyo na, diba?
25:48.9
Ganyan. So, yun naman ang ginawa nila.
25:52.9
selling all of those
25:54.9
now. So, yun. And then,
25:56.9
if you have business interests, so mga
25:58.9
company name, ito ba ay
26:00.9
sole proprietorship, partnership, corporation.
26:02.9
So, yung mga dokumentong yan, kailangan
26:04.9
i-keep mo lahat. So, saan
26:06.9
yung location ng documents? At percentage
26:08.9
ng ownership mo? And then, ano yung
26:10.9
estimated na valuation?
26:12.9
So, in a sense, dapat ito at least every
26:14.9
year ay naa-update.
26:18.9
naglalagay pa tayo ng business interest
26:20.9
dyan. Eh, palugi naman pala. Eh, wala
26:24.9
And then, we can also
26:26.9
take a look at our insurance
26:28.9
policies. So, sino yung insurer?
26:30.9
Sino yung insured? Anong
26:32.9
type yan? Ano yung face value?
26:34.9
Policy number? Sino yung agent?
26:36.9
At saka, yung policy
26:38.9
location, no? So,
26:40.9
agent's name, mobile number.
26:42.9
Para kapag may nangyari,
26:44.9
yun, matatawagan. And supposedly, dapat
26:46.9
kasi yung agent natin will assist us
26:48.9
in the processing
26:54.9
So, yun. Loans and credit
26:56.9
line information. Ayan.
26:58.9
So, sino yung pinagkakautangan natin?
27:00.9
Company or person? Address? Sino yung
27:02.9
contact number? Phone? Magkano
27:04.9
yung amount na borrowed?
27:06.9
Amount outstanding? At saka,
27:10.9
agreement, kung nasaan siya.
27:12.9
And then, lastly,
27:14.9
titignan din natin ang ating credit
27:16.9
cards, no? So, saan yung, ah,
27:18.9
ano yung credit card company,
27:20.9
name of credit card, and card
27:22.9
number. Pero actually, sa akin, itong credit card
27:24.9
ay the least of our concerns. Kasi,
27:28.9
credit cards, kapag namatay
27:30.9
ka na, hindi naman sila masyadong
27:32.9
naghahabol. So, it's, I think,
27:34.9
it's considered as a
27:36.9
clean loan. Kaya,
27:38.9
kapag ako, sabi ko nga, kapag alam
27:40.9
ko nang mamamatay ako, sige, kaskas na
27:44.9
Kaskas na to the max.
27:46.9
Kaskas na to the max, diba?
27:48.9
Bibilang ko na siya ng ticket yung mga
27:50.9
ano, pamangkin ko. Oy, mag first class
27:52.9
kayo pa uwi, mamamatay na ako.
27:58.9
Anyway, so, iyan ang ating
28:02.9
At, syempre, lagi nating sinasabi.
28:08.9
Iyan, ang pagyaman na pag-aaralan
28:10.9
at na pagtutulungan.
28:12.9
Okay, so, we go to our
28:16.9
At, ito, binigay ko, actually,
28:18.9
alam niyo po, binigyan ko ng assignment si
28:20.9
Alex. Sabi ko, Alex, ikaw mag-prepare
28:22.9
ng ano, how to teach
28:24.9
kids, top 3 tips on
28:26.9
teaching kids about
28:28.9
money. Kasi nga, yun nga, wala naman akong
28:30.9
anak, diba? Iba pa rin
28:36.9
lagi yung sinasabi
28:38.9
sakin kasi wala kang anak
28:40.9
na yan. At, gets ko naman. Iba.
28:44.9
pamangkin ko nga, the way
28:48.9
feelings ko sa kanila, sobrang
28:50.9
strong. What more?
28:52.9
Kapag galing na sa'yo, no?
28:56.9
iyon. So, what we have
28:58.9
to store for us, Alex?
29:04.9
this is so timely, Vince, no? Kasi
29:06.9
katapos lang ng Mother's Day.
29:16.9
post ko na sobrang,
29:18.9
it resonated with a lot of people, ha?
29:20.9
Yung Mother's Day post ko was
29:22.9
about, ano ba talagang kailangan ng mga nanay?
29:26.9
sagot dyan, pahinga.
29:28.9
So, sabi ko, marami
29:30.9
kasi tayong, diba, parang
29:32.9
kailangan all giving, all
29:34.9
sacrificing ang mga nanay. Sabi ko,
29:36.9
tama na yung ganyang klaseng
29:38.9
mindset. You also need to rest,
29:40.9
no? So, ayun. That was my
29:42.9
Mother's Day message to everyone.
29:46.9
Actually, alam mo, yan din yung kailangan ko. Kaya nga,
29:48.9
actually, may sakit ko ngayon.
29:50.9
Hindi ko alam if my,
29:52.9
yung boses ko, no? It's not
29:54.9
the usual. I have
29:56.9
hot and cold. Tapos kahapon,
29:58.9
medyo pinatrangkaso ako
30:00.9
ganyan. Pero yun nga,
30:02.9
kailangan talaga natin ng pahinga.
30:04.9
So, pili ko naman nanay ako.
30:06.9
Hindi, sorry. I stole your... Nanay na rin
30:08.9
sa maraming tao, diba? Ang dami-dami
30:10.9
mong natutuloy na natutuloy ako. So,
30:16.9
do we struggle with money
30:22.9
Actually, Vince, ano yan eh?
30:24.9
Nagabi ko, they call it the last...
30:26.9
I read the study. They call money
30:28.9
talk parang the last
30:30.9
taboo. Parang sabi nila
30:32.9
na-overcome na yung iba.
30:34.9
People are able to talk about intimacy
30:36.9
and sex. People are able to talk about
30:38.9
death. Pero yung money, for
30:40.9
some reason, marami pa rin
30:46.9
when it comes to money
30:50.9
Specifically sa ating mga Pilipino,
30:54.9
maraming kumbaga nadya-jahe
30:56.9
to talk about money. Kasi
30:58.9
yun nga, I mean, it's really built in
31:00.9
our culture. Yung
31:02.9
whole thing about
31:04.9
yung jahe feeling, yung
31:06.9
yung mga ganyan. Lahat
31:12.9
dun sa usap yung pera mo.
31:16.9
to talk about... Plus, the
31:18.9
whole thing, oh, you don't talk about money
31:20.9
because it's not proper.
31:24.9
to solicit feelings of envy
31:26.9
or ano. Among us,
31:30.9
really like to do it. So,
31:34.9
parang yung masamang consequence
31:36.9
na po yan, not a lot of us
31:38.9
talk about it at home,
31:40.9
lalo na without kids. That's
31:42.9
why your topic is very
31:46.9
So, ikaw, how do you talk to your,
31:48.9
ano, how do you talk to Maya
31:56.9
you, ano, who are meeting me
31:58.9
for the first time, meron ko akong nine-year-old
32:00.9
daughter, no? So,
32:04.9
context. Otherwise, baka hindi alam
32:06.9
kung gano'n ka laki o gano'n
32:08.9
nakabaha ka ba si Maya. So, she's nine.
32:14.9
I'll go through the tips dito, but
32:16.9
ang dami kong nababasa
32:20.9
by the time they're three
32:22.9
vins, I didn't know this, parang
32:24.9
sobrang late na pala.
32:26.9
As early as three,
32:28.9
makikintindihan nila na yung basic
32:32.9
basic numeric concepts,
32:36.9
Pero a lot of us start, yun nga,
32:38.9
yung mito, yung elementary
32:40.9
na sila. And that's actually what
32:42.9
we're doing right now.
32:50.9
on that note, I want
32:52.9
to ask you, vins, ano yung first
32:54.9
experience mo with money?
32:56.9
Parang, how old were you
33:00.9
you first experienced
33:02.9
managing money or earning
33:04.9
money? Ayan, first experience with money.
33:08.9
Ang, ano, no, ang
33:12.9
unang mga alala ko,
33:14.9
of course, ang unang mga alala
33:16.9
dyan ay yung pumihini
33:18.9
ako ng pera para pambili
33:30.9
very clearly dati na
33:34.9
siya yung binibigay agad-agad.
33:38.9
ang hirap namang humingi ng pera.
33:46.9
sa akin. And then,
33:50.9
a lot of, ano, no, entrepreneurial
33:52.9
activities dati. Parang
33:56.9
Bibenta kami ng, yung mama and dad ko
33:58.9
nagbibenta kami ng bagoong
34:00.9
at asin sa palengke
34:02.9
before. Okay. So,
34:04.9
yung mga ganyan. Tapos,
34:06.9
naalala ko din yung, of course, yung ano, pagka-
34:10.9
Diba? Nakakapuha kang Aguinaldo.
34:12.9
Yes. So, this, yun yung mga
34:14.9
mga una kong experiences
34:16.9
na namulat ako tungkol sa
34:22.9
I remember, ganun din,
34:24.9
siyempre yung baon, yung first
34:30.9
I remember one time, summer yun eh.
34:32.9
May paligan, basketball
34:36.9
So, ito, may mga nagbibenta.
34:38.9
Yung sa tabi, sa tabi ng, sa
34:40.9
may ringside. So, sabi ko,
34:42.9
ah, pwede pala akong kumita during
34:44.9
summer. Hindi ko kailangan magintay ng school year.
34:48.9
nagtanong ako, sabi ko, pwede
34:50.9
ba ako magbenta ng candies?
34:52.9
Kasi batal, hindi ko matanda ng gano ko
34:54.9
taon lang. So, pwede.
34:58.9
Napansin ko, yung katabi ko na nagbibenta
35:00.9
ng sigarilyo. Sabi ko, mas marami
35:06.9
So, nagbibenta kang sigarilyo.
35:08.9
Wait lang. Tapos, tinanong ko sa parents ko,
35:10.9
pwede ba akong magtinda ng
35:12.9
sigarilyo? Syempre, big
35:14.9
no, di ba? Hahaha.
35:20.9
Eh, mas konti yung, syempre mas konti
35:22.9
yung kinita ko. Pero, I remember,
35:24.9
yun nga, na parang,
35:26.9
ah, yung first few messages,
35:28.9
first few, kumbaga,
35:30.9
big messages, when I came to Manila,
35:32.9
you have to work for it. Hindi
35:34.9
pwedeng basihin na lang ang hindi.
35:38.9
So, yun nga, eh, kailangan talaga na,
35:40.9
ano, no, um, maaga
35:44.9
na natin yung mga ganyan.
35:46.9
Ito, naalala ko lang talaga, yung, ano,
35:48.9
yung pamangkin ko, ganyan. Parang,
35:52.9
alam niya siguro, no, parang,
35:54.9
I think he was about five
35:56.9
or four years old at that time.
36:00.9
kinukunchaba niya.
36:02.9
Kasi, feeling ko, alam niya na,
36:04.9
ah, hindi ito yung blood
36:06.9
relative ng, ano, hindi ito yung
36:08.9
kapatid ng sister, eh, ng ma'am ko,
36:10.9
ganyan. So, pagbibigyan ako
36:12.9
nito, ganyan. Tapos, nasa
36:14.9
grocery kami, um,
36:16.9
tapos, inaanon niya si Edwin na,
36:18.9
alika rin kita, stay with me,
36:20.9
ganyan, ganyan. Tapos, tinuturo niya yung
36:22.9
chocolate, ganyan. Tapos, sabi ni,
36:24.9
ano, sabi ni Edwin, oh, but,
36:26.9
how are you going to pay for this?
36:28.9
You have your card. Give me your wallet.
36:30.9
I'll get your card.
36:36.9
So, may mga ganun na
36:40.9
eksena tungkol sa
36:44.9
Okay, sige. So, um, let me
36:46.9
dive in dun sa three tips.
36:48.9
So, we can be more specific
36:50.9
here. Okay, wait.
36:54.9
there. The first one is talagang
36:58.9
yung basic vocabulary.
37:00.9
So, dalawa, no? Vocabulary, tsaka yung
37:02.9
family values nyo around money.
37:06.9
sa schools dito, Benzo,
37:08.9
ang tinuturo lang naman nila
37:12.9
ano ba yung iba-ibang coins,
37:14.9
yung cents and euros,
37:16.9
ano yung iba-ibang bills.
37:18.9
Yun lang. Yun lang yung
37:20.9
financial literacy nila so far, ha?
37:22.9
Grade 3 na sa Maya.
37:24.9
So, sa akin, talagang
37:26.9
manggagaling yun sa maganda
37:28.9
when you start talking to them about
37:30.9
basic concepts. Savings,
37:36.9
sinasabi ko sa kanya, tina mo yung
37:38.9
diferensya. Ito yung full price,
37:40.9
ito yung discounted price.
37:42.9
Ba't ka magbabayad ng full price
37:44.9
kung alam mo naman kung kailan
37:46.9
babagsap yung presyo.
37:48.9
No? Isang buti, hindi mo naman
37:50.9
kailangan at that moment.
37:54.9
Diba? So, along with those
37:56.9
vocabulary, minsan kasi inisip natin,
37:58.9
kung hindi nila maintindihan, maintindihan nila actually.
38:02.9
demonstrate it, diba? And then,
38:06.9
yung philosophy nung
38:08.9
pamilya nyo around money, that's
38:10.9
also very important. Kasi kung yung
38:14.9
super frugal na parang, ay, we can't
38:16.9
afford that. Ay, wala yun sa budget. Ay, hindi pwede.
38:18.9
Kailangan super tipin.
38:20.9
That impacts them
38:22.9
in a big way too. So,
38:24.9
be very careful about what you
38:26.9
communicate when it comes to your money.
38:30.9
naalala ko din, yung konsepto din
38:32.9
ng sharing is already a
38:34.9
financial literacy
38:38.9
moment. Kasi naalala ko yung pamangkin ko
38:42.9
Meron siyang, ano,
38:46.9
meron akong tinakain. Chips.
38:48.9
Meron akong chips. Tapos, gusto niyang
38:52.9
nung humingi siya, aba,
38:54.9
kumuha siya, at yung kinuha
38:56.9
niya, yung ibinigay sa akin, kinuha niya
39:02.9
Tapos sabi ko, what? No!
39:06.9
This is, this is not how,
39:08.9
this is not how you, ano, you ask
39:10.9
for things. Oh my gosh,
39:14.9
tipos. Parang yung, yung,
39:16.9
you also teach them yung sense
39:18.9
ng ownership. At ano yung limits
39:20.9
of what you, what's, parang
39:22.9
what's polite in asking.
39:26.9
tipo. Parang ganon. Yes.
39:28.9
That's true. Sabi ko
39:30.9
sa kanya, well, I can give
39:32.9
all of this to you because
39:34.9
you're my nephew. Diba?
39:36.9
We're, ano, we're
39:38.9
related. But if other people or your
39:40.9
friends, if you do this to your friends,
39:42.9
what will happen?
39:44.9
Oh, let's reverse the role.
39:46.9
Diba? Oh, if you have it
39:48.9
and then I'll get it and then I'll just give this to you.
39:50.9
What will you feel?
39:52.9
So, yung mga ganong, ano,
39:54.9
mga ganong teaching
39:56.9
moments, I think, ay ano din, no?
40:00.9
Hindi ka nakailangan na
40:02.9
monetary lahat-lahat.
40:04.9
Diba? Yung mga bagay
40:06.9
na pagtuturo natin tungkol sa
40:14.9
So there. In fact, here,
40:16.9
meron akong tip, no? Parang,
40:18.9
parang hindi siya hypothetical.
40:20.9
Lalo ng for younger kids.
40:22.9
Ipakita natin yung
40:24.9
mga binabayaran natin.
40:26.9
Hindi naman yung parang isumbat mo,
40:28.9
oy, ayate na mo ang magkano
40:30.9
gagraso siya natin for electricity.
40:32.9
Pero slowly show them
40:34.9
na lahat ng consumption
40:38.9
And then that's when you start
40:40.9
conversations. Ano pa yung pwede natin
40:42.9
gawin para hindi mataas
40:44.9
masyado yung electricity bill natin
40:48.9
Ganon, diba? Pero again,
40:50.9
it has to be intentional. Hindi yung,
40:52.9
oh, by the way, alam mo yun, it has to
40:54.9
be done intentionally.
40:58.9
Okay. So what's our
41:06.9
is leading by example. I'm a very
41:10.9
fan of this, no? Parang
41:12.9
modeling talaga kasi. Yun ito yung
41:16.9
You can lecture all you
41:18.9
want, pero pag hindi nila nakita yung
41:22.9
hindi siya effective.
41:24.9
Totoo yan. So talagang,
41:26.9
walk the talk. So kung
41:32.9
money doesn't grow on trees,
41:36.9
to work for it, kailangan
41:40.9
Meaning, everything
41:42.9
has a cost. So huwag ka rin
41:44.9
huwag ka rin yung sobrang
41:46.9
huwalda sa paggangstus mo kasi otherwise
41:48.9
hindi siya alamin.
41:52.9
Oo. Actually ako, kasi
41:54.9
ako as a tito, I think di naman
41:56.9
yung role ng mga titos usually.
41:58.9
Lalo na kung... Violate ng
42:00.9
rules. Oo! Yan yung
42:02.9
role at mang-spoil ng mga
42:08.9
think clear naman sa amin when we
42:10.9
do that, parang we tell them
42:12.9
na okay, so usually
42:14.9
it's the month of July kasi yan yung
42:16.9
bakasyon nila. So
42:18.9
pag month of July, so all
42:20.9
rules are off. Parang ganun.
42:22.9
But it's only for this because
42:24.9
we're together, ganyan. Pero when we
42:26.9
go back, when you go back to
42:28.9
Australia, when you go back to the US, nako
42:30.9
babalik na ulit yan ha.
42:32.9
Kasi wala nang tito.
42:42.9
true. I mean, usually role yan ang mga
42:44.9
titos tsaka grandparents. Parang
42:46.9
talagang break all the rules when you're with them.
42:52.9
parang maganda pa rin ay,
42:54.9
ako naalala ko to eh, yung
42:56.9
I think this is again with my
42:58.9
eldest sister, no?
43:00.9
So, nasa mall kami nung mga pamangkin ko.
43:02.9
Tapos sabi ko, oh, just get what
43:04.9
you want and I'll pay for it, ganyan-ganyan.
43:06.9
E gustong bumili ng bagong
43:08.9
damit. This was mga
43:10.9
15 years ago na yata. Mga
43:12.9
dalaga na to mga pamangkin ko na to eh.
43:16.9
hindi ko alam, si ate pala
43:18.9
sabi niya na, oh hindi
43:20.9
ibig sabihin na yung tito niyo, sinasabi
43:22.9
niya na, pwede. Kahit
43:24.9
anong bibilhin niyo eh, you take advantage.
43:26.9
No? So, ang sabi niya,
43:28.9
kung gusto mong bumili ng damit,
43:30.9
hanggang dito lang yung presyo.
43:32.9
Ganyan. Tapos, eh yung
43:34.9
pamangkin ko is, I think she was about 8 years old at that time.
43:36.9
Meron siyang gustong dress.
43:38.9
Eh ang budget na binigay lang ng sister ko,
43:40.9
ay hanggang 500 lang ha. Eh yung
43:42.9
gusto niya, 800 pesos.
43:44.9
So, conflicted siya.
43:48.9
gagawin niya, I have to call mom.
43:52.9
Bakit kailangan tawagan? Eh ano,
43:54.9
ako nang bahala dyan. Ganyan ganyan. No, I have to
43:56.9
call mom. So, nag-usap sila.
43:58.9
Ganyan ganyan. Tapos, nalaman ko na
44:00.9
ganun pala yung rules. Ang ano
44:02.9
naman, ang conscientious
44:08.9
because it's available, you take
44:10.9
advantage of it. Hindi ganun yung
44:12.9
mindset. Yes, pero
44:14.9
that means, effective diba yung
44:16.9
teaching mam? Kasi talaga,
44:18.9
yung pinunsutan niya, because she
44:20.9
was in difficulty at that moment.
44:22.9
Other kids would have just said, wala naman
44:24.9
yung nanay ko. Just go ahead and buy it.
44:26.9
Ay lako, kilala ko yung mga pamangkin
44:28.9
ko nung maggaganyan. Wala naman yung nanay ko, okay
44:32.9
iba-iba yung personalities ng mga
44:34.9
pamangkin na yan eh. Tapos may mga
44:36.9
pamangkin na hindi ang gagalaw hanggat hindi
44:38.9
talaga nakapagpaalam,
44:40.9
ganyan. Kaya, alam mo
44:42.9
din kung paano titimplahin.
44:48.9
tatanong ako ikaw. Nung
44:50.9
kabataan, meron din bang ganyan
44:52.9
ng mga, ng spoils sa inyo na
44:54.9
tito at tita? Kasi sa
44:56.9
amin, wala masyado eh.
44:58.9
Parang wala rin, Vince. Actually,
45:02.9
solid kumbaga yung
45:04.9
financial education sa
45:06.9
bahay. Yan, yung budget,
45:08.9
yung if you need more,
45:10.9
you have to work for it. Kasi
45:12.9
siyempre, yung allowance, okay,
45:14.9
mag-cash nito yan. If you
45:16.9
want something more,
45:18.9
you have to find a way to earn
45:22.9
yun. I can't remember of
45:24.9
ano, yung tito or atita
45:26.9
or even grandparents
45:30.9
Yun, sa Pasko, yun. Yun lang na
45:32.9
yung mga Christmas
45:34.9
gifts. Pero, other than that,
45:38.9
Pero, actually, kami din nung mga bata, hindi din kami
45:40.9
pinalaki ng gifts eh. Kaya, actually, ako
45:42.9
nga, sa mga pamangkin ko ngayon,
45:46.9
na-overwhelm sa dami ng
45:48.9
gifts, sa dami ng toys.
45:50.9
Oh, my God. Parang, sabi ko,
45:54.9
ano, sobra siyang excessive.
45:58.9
consumeristic kasi talaga ng mundo natin
46:02.9
unfortunately, a lot of people, parang
46:08.9
pagmamahal is always
46:10.9
through an object.
46:12.9
So, in the end, ang dami
46:14.9
dami na aming laruan,
46:16.9
hindi naman lahat
46:20.9
True. At saka, ano, no,
46:24.9
hindi pa nila ma-let go. Ganyan.
46:26.9
Sabi ko nga sa mga pamangkin ko,
46:28.9
tell me what's in that box.
46:32.9
ako naman, ang ginagawa ko, inuuwi
46:34.9
ko yung mga yan, tapos pinapamigay ko ulit
46:36.9
sa mga branches natin sa Mindanao,
46:38.9
diba? Para pa kinabata
46:42.9
Ayan. Anyway, so,
46:44.9
what's our final tip? The third
46:48.9
Okay. The third tip
46:50.9
is earn and learn.
46:54.9
to be able to teach our kids
46:56.9
effectively about money, kailangan talaga
46:58.9
bigyan natin sila ng pera. Otherwise,
47:00.9
it's all just up here.
47:04.9
meaning, let's give them a chance to earn.
47:06.9
So, unang-una yun,
47:08.9
through the allowance.
47:12.9
I remember, yun nga, when I was
47:16.9
may gusto pa akong bulhin na hindi
47:20.9
ng allowance ko, my parents
47:22.9
would actually ask me, anong pwede
47:24.9
mong gawin sa bahay?
47:28.9
ka naming bigyan ng
47:30.9
complete reward for them, monetary reward.
47:34.9
you have to give them that chance. Hindi po
47:36.9
pwedeng we'll talk, diba?
47:38.9
Kasi from there, malalaman nila,
47:48.9
where the boom learning starts.
47:50.9
Hindi ko ito ba sagagat.
47:56.9
how is it now? Kasi sa atin talaga sobrang
47:58.9
cash economy pa. Eh ngayon na
48:00.9
may mobile money, ganyan. How do
48:02.9
you teach those to your,
48:06.9
sa iyong daughter?
48:10.9
hindi po masyadong
48:12.9
malakas yung mobile money
48:14.9
culture. So, Italy
48:16.9
for example, is very,
48:18.9
very much a cash economy, cash
48:20.9
based. Very few people, yeah.
48:24.9
So, I'm still thankful for that.
48:26.9
Kasi diyan, alam ko na
48:30.9
yung iba, makapal na talaga yung mukha,
48:32.9
diba? Pag humay ko, parang i-text mo na lang,
48:34.9
bakit i-gcash na lang?
48:36.9
Right, ako. Pero actually, yun din
48:38.9
yung isa sa mga itinuturo ngayon, no? Na parang,
48:42.9
lalo na mga gen, gen
48:44.9
A na yan, si Maya is gen A
48:46.9
na yan, hindi niya siya gen Z, eh. Yes.
48:48.9
Ang talagang kinagisnan, kagisnan
48:50.9
na daw talaga nila is mobile money.
48:52.9
And kung sa atin,
48:54.9
ahm, cash, no? Yung
48:56.9
mga transactions, kailangan
48:58.9
daw sila turuan na na, uy,
49:00.9
nasa mobile, nasa credit
49:02.9
card yung pera. And
49:04.9
you have to teach them how
49:06.9
to check kung tumataas o bumaba
49:08.9
ba yung kanilang balance.
49:12.9
ginagawang analogy ay, ah,
49:14.9
use it like a game, no? Ano ba yung mga,
49:16.9
ano? Kunwari, sa Mario Brothers
49:18.9
dati, di ba? Kasi may mga coins, coins doon
49:20.9
or something sa ML. Yes. Ano bang
49:24.9
Mga points, points ba yun? Sa Duolingo
49:28.9
Yung mga, yung mga points mo na ganyan.
49:30.9
So, you have to translate that to
49:32.9
them para, or use it
49:34.9
as an analogy para
49:36.9
mas maintindihan daw nila.
49:38.9
So, yun. Kasi totoo nga
49:40.9
naman, ano, no, digital
49:42.9
na yung marami ngayon.
49:44.9
So, actually, maski dyan ba,
49:46.9
I'm sure dyan din may credit card
49:48.9
ng ginagamit, di ba?
49:52.9
Actually, ngayon, yung pinaka
49:54.9
challenge sakin is
49:56.9
ipaliwanag yung Amazon.
49:58.9
Kasi nakikita niya na
50:00.9
ang dami yung Amazon delivery.
50:10.9
mayroong ma-discover na si Santa Claus.
50:12.9
Actually, si Amazon.
50:14.9
Every week, si Santa Claus
50:18.9
Ang box ni Santa Claus ay Amazon.
50:24.9
Di ba? So, yun. Ang mga bata pa naman talaga,
50:26.9
ano, sobrang silang
50:28.9
madaling makagets and
50:30.9
sobrang huwag natin silang
50:32.9
i-underestimate and
50:34.9
never natin silang, wala ko kung sa
50:36.9
ano nga, i-baby talk pa natin.
50:38.9
Huwag na natin silang i-baby talk din sa pera.
50:40.9
We tell them what it is
50:42.9
at turuan natin sila
50:44.9
ano ba talaga yung
50:46.9
konsepto ng pera. Pero, tama yung sinabi mo
50:50.9
values talaga yung
50:58.9
thank you very much, Alex, sa ating
51:00.9
episode ngayon tungkol sa
51:04.9
on how to teach kids about
51:06.9
money. So, sana pa marami kayong
51:08.9
natutunan. So, how do they reach
51:12.9
You can reach me through Facebook
51:14.9
or sa YouTube rin po.
51:16.9
Just type in my name.
51:18.9
And, if you found today's episode
51:22.9
tanong ko kayo, leave
51:24.9
a comment and definitely sasagutin
51:26.9
namin kayo ni Vince.
51:28.9
Ayan, oo. At anything about
51:30.9
communications, naku, kayang-kaya yan.
51:32.9
At sasagutin ni Alex.
51:38.9
sana po ay natuto kayo
51:40.9
ngayong episode na ito. Kami po
51:44.9
financial guro. Ayan.
51:48.9
nagsasabing ang pagyaman na
51:50.9
pag-aaralan at na
51:52.9
pagtutulungan. Yes.
