00:38.9
Akala ng tao, ang utang ay masama.
00:41.3
Yes, I help people to become debt-free from bad debt, okay?
00:45.2
Anong ibig sabihin ng bad debt?
00:46.7
Pag ikaw ay nang utang, pero wala kang kita, wala kang ganansya,
00:49.9
walang return, walang ROI or return of investment.
00:53.4
Pero may pangalawang klaseng utang.
00:55.7
Ang pangalawang klaseng utang, ang tinatawag natin, good debt.
00:58.7
Pag ikaw nang maging utang, pwede kang kumita, pwede kang mag-leverage
01:02.7
using what we call as OPM.
01:06.0
Original Pinoy Music.
01:08.2
Hindi, other people's money.
01:10.3
Kahit wala kang kapera-pera, pero pag ginamit mo ng tama,
01:12.8
ang utang, alam mo, ang mangyayari niyan, kikita ka,
01:16.2
mapapalago ang iyong kayamanan.
01:18.2
At yan ang ginagawa ng mga mayayaman, lalo kasi lang yung mayayaman
01:22.7
because they know how to use good debt.
01:25.5
So, sa episode na ito, I would like to share with you
01:27.8
four ways to make money with debt.
01:30.6
And please, stick with me until the last one.
01:33.4
Bakit yung pinakamuli, we'll give you the best returns.
01:37.7
Number one na pwede mo i-utang.
01:40.5
Mang-utang ka para mag-negosyo.
01:44.3
Magandang utang yan.
01:45.4
Pero, let me clarify.
01:46.7
Kung ikaw first time ka na mag-be-business,
01:49.3
I wouldn't recommend you na mang-utang ka.
01:51.6
Mas maganda na you raise your own money,
01:56.1
90% of the people who start up their first opportunity
02:00.1
ends up losing their money instead of making money.
02:02.7
Mas marami pong naluluging.
02:05.3
Kasi, parang ito lang yan eh.
02:06.8
Kung ikaw nang-utang ka first time,
02:09.7
alam mong 90% chance of losing.
02:11.8
Nawala na yung pera mo, nagbabayad ka pa ng interest,
02:15.8
Kaya mas maganda yung first attempt,
02:18.2
Huwag mo nang mang-utang sariling pera.
02:21.7
mang-utang ka kung meron ka ng proven idea,
02:25.3
Like for example,
02:27.3
let's say, nag-usubok ka sa Php 5,000,
02:29.4
tapos yung Php 5,000 naging Php 10,000,
02:31.5
yung Php 10,000 naging Php 20,000,
02:32.8
pero, bigla, may order ka ng Php 100,000,
02:34.7
pero, wala kang puhunan.
02:35.9
O, ngayon, mang-utang ka.
02:38.7
Kasi, siguradong kikita eh.
02:40.0
May proven concept.
02:40.9
Ang kailangan mo lang ay puhunan.
02:43.7
That's the reason,
02:45.3
use good debt to expand your business.
02:49.2
Number two na utang na pwede magpayaman po sa iyo.
02:52.7
Real estate investing.
02:55.5
Kasi, ang real estate po,
02:56.5
napakalaki po talaga ng pera kailangan po natin.
02:59.0
We're talking about millions.
03:00.8
Yung pinakamalit nga na bahay,
03:02.0
half a million na ito siguro,
03:03.3
or to one million.
03:04.4
Pero, syempre, wala naman tayong ganung kalaking cash flow.
03:06.9
I can still remember
03:09.0
kung ano ang ibinulong po sa akin
03:11.7
by the great Manny V. Pangilinan.
03:14.5
Ito, sinabi niya,
03:15.4
anong ginagawa niya sa sweldo niya?
03:17.1
MBP, gusto namin malaman kung nag-iipon ka ba.
03:20.4
Of course, oo naman.
03:21.7
When you were starting, talaga nag-iipon ka?
03:24.4
So, what I did was forced savings.
03:27.0
Kanya, ginagawa ko doon,
03:28.1
bumili akong maraming lupa,
03:29.8
properties na hulugan.
03:32.7
So, I can afford it.
03:33.6
Wala naman akong kapitalong because napleyado ako noon.
03:36.6
So, forced savings yun.
03:38.1
Deferred payment.
03:38.9
Kanya, every month, awas sa sweldo ko.
03:41.9
So, you're forced to save.
03:43.1
At one point, I had 12 properties.
03:48.6
bumili siya ng mga properties.
03:50.4
And the reason why I encourage you na mangutang ka,
03:53.0
good debt po kasi ang property.
03:56.0
di ba, nagpapautang siya from 7 to 10% interest per anong.
03:59.6
So, kung binayar mo in 30 and 10 years yan,
04:02.0
70% to 100% ang babayaran mo in interest.
04:06.8
in 10 years time,
04:08.1
yung property mo,
04:09.3
hindi lang siya maggrow ng 70 to 100%.
04:13.0
It will grow 100, 200, 300, 400, or even 500%.
04:18.5
To prove my point,
04:19.4
I can still remember in the year 2008,
04:22.1
I was still living in New Manila, Quezon City.
04:24.8
Ang property per value sa New Manila was Php 20,000 per square meter.
04:30.3
Medyo mataas na nga.
04:31.6
Fast forward, ngayon 2023,
04:36.7
ang property value na po ngayon sa New Manila na sa Php 240,000 per square meter.
04:46.4
Ang laki ng tinaas.
04:49.4
ang ganda talaga,
04:50.4
pag nasa property ka,
04:51.6
kapag inutang mo yan,
04:53.7
kasi kahit na binayaran mo yung interest,
04:55.6
mas higit pa ang appreciation at ang kita ng lupa,
04:59.6
kumpara sa binabayaran mo yung interest.
05:01.2
Yan ang pangalawang utang na pwede magpayaman.
05:04.7
franchise ownership.
05:06.5
Lalo na kung proven na yung sistema.
05:08.6
Alam mo, karamihan ng mga franchise na mag-proven naman eh.
05:11.1
Like, for example, yung pinaka-popular,
05:12.7
yung tinatawag na Potato Corner.
05:14.3
Ang dami po nagpa-franchise niyan.
05:16.1
Ang mga franchising fee ng mga Potato Corner,
05:19.3
starts from around Php 300,000,
05:21.4
tapos pataas yan ng pataas.
05:23.6
Imagine mo, kasi yan,
05:25.2
magkakaroon ka ng ROI,
05:28.2
or probably 2 years,
05:29.7
depending on your location.
05:31.2
So, kahit na inutang mo yun,
05:32.6
since proven na po ang kanilang system,
05:34.8
proven na kanilang brand,
05:36.4
proven na kanilang business model,
05:38.3
eh, mas maganda na utangin mo.
05:40.1
Kasi, like, for example,
05:41.3
umutang ka ng business loan ng mga 8-10% interest per annum.
05:45.6
Pero, let's say, pag kumita ang pera mo,
05:48.7
ng 100%, 200% or 500% per year,
05:52.2
kayang-kayang bayaran po yung 8-10% na interest per annum.
05:56.9
Pero, bago tayo magpatuloy sa pinakahuli
05:59.1
at pinakamagandang return na pinangako ko po sa inyo,
06:02.0
na small ang risk,
06:03.0
patiin mo na natin si Kiko Reyes,
06:05.2
si Resmar Pakibol,
06:06.9
at syempre naman,
06:07.9
si Nor Vilente Justamor.
06:11.3
Grabe mga pangalan n'yo,
06:12.4
hirap mabasay, mga friendship.
06:14.1
Eto na yung pang-apat ng pinakamagandang utang
06:17.8
na magbibigay sa inyo na magandang return and revenue,
06:20.6
learn a high-paying skill.
06:24.6
Ano ibig ko sabihin?
06:25.7
Maghanap ka ngayon,
06:27.1
kung ano ang isang pwede n'yong pag-aralan,
06:29.4
na isang skill na idadagdag mo.
06:31.4
So, in the near future,
06:32.7
pwede mo siyang gamitin at pwede mo siyang ibenta.
06:35.4
Like, for example, ngayon, ha?
06:36.7
Para sa akin, ha?
06:37.6
One of the most sought-out skills right now
06:40.3
that people are looking for,
06:42.3
is what we call as a prompt engineer.
06:44.8
Ano itong prompt engineer na ito, Chinky?
06:47.3
Kasi marami na pong lumalabas na AI,
06:49.6
artificial intelligence.
06:50.8
Tapos, ang AI gumagawa ng content and information
06:53.8
to solve problems for companies and individuals.
06:56.3
Pero, the information na makukuha mo
06:58.6
sa mga AI technology na iyan,
07:00.3
is only as good as your input.
07:03.1
Ano ibig sabihin ng input?
07:04.1
Wrong input, wrong output.
07:05.4
Garbage in, garbage out.
07:06.8
Kung maganda ang pagka-prompt mo,
07:08.8
pagka-utos mo sa computer,
07:10.8
mas maganda ang ilalabas ng information.
07:12.9
Kung pangit, kung normal lang,
07:14.5
ebi pangit at normal lang makukuha mo.
07:16.5
So, kung meron kang isang skill na kailangan mong pag-aralan,
07:19.9
pag-aralan niyo itong prompt engineering
07:22.8
at pag ikaw ang gumaling diyan lang.
07:25.8
Easily, kumita ng hundred thousand to half a million a month.
07:30.4
Dahil marami pong nagahanap na mga prompt engineers po right now.
07:34.0
So, kung ikaw nag-invest ka sa mga educational courses,
07:36.7
or online courses na teaches you that skill,
07:39.5
kahit nung mag-invest ka ng fifty thousand,
07:43.6
a hundred thousand month para matuto ka,
07:45.9
pero ang monthly revenue mo is a hundred,
07:48.3
two hundred and half a million,
07:49.8
sa palagay niyo, makakabawi ka.
07:51.4
Hindi lang makakabawi.
07:52.6
Bawing, bawing, bawing, bawing.
07:55.9
kung gusto mo pa ma-develop ang iyong kaalaman
07:58.1
pagdating pa sa pag-handle ng pera,
07:59.7
huwag ka na lumayo,
08:00.5
o mag-subscribe ka na lang sa channel na ito.
08:02.6
Subscribe ka na sa channel na ito.
08:04.5
Dahil marami ka pa ang matutunan.
08:06.6
At marami pa kaming pwedeng ibigay pa sa inyong information
08:09.5
in order for you to become wealthy and debt-free.
08:13.0
tamang karunungan,
08:15.3
ang susi sa pag-iyaman.
08:16.9
Thank you for watching.
08:18.8
If you want to suggest a topic or review
08:21.0
that you would like me to discuss on the next video,
08:23.0
please do comment below,
08:24.4
para mabasa po namin.
08:25.8
Thank you very much,
08:26.6
and I'll see you on our next video.
