Investing Just Your Money Versus Starting Your Own Business? Which Is A Bettter Option?
* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in
the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider
becoming a patron
to support these video transcriptions, and the other tools and apps built by Tagalog.com
00:00.0
Naguguluhan ka ba kung saan mo gagamitin ang pera mo?
00:05.2
Sa investment ba?
00:06.7
O pagtatayo ng negosyo?
00:09.0
Kung naguguluhan ka, huwag ka na mag-alala.
00:11.0
Sagot na kita sa video na ito.
00:12.8
Videos that will make you wealthy and debt-free.
00:17.6
Hi there, there's Shin Kitan, your Pambansang World Coach sa episode natin ito.
00:23.6
We are going to talk about making informed choices about your financial future.
00:27.9
Saan ba mas maganda?
00:29.1
I-negosyo ba? O i-invest na lang ang pera?
00:32.4
So, bago natin pag-usapan yan, ang unang tanong ko po sa inyo,
00:35.4
e, grabe, naka-subscribe ka na ba sa channel na ito kung hindi ka pa naka-subscribe?
00:40.7
Alam nyo, sa pagganitong paggawa ng ganitong mga decision,
00:43.8
I do believe this is one of the biggest decision,
00:46.0
one of the biggest decision that you are going to make.
00:48.6
Because it's either you can make it or you can break it.
00:51.4
Meron tayong tinatawag na risk and reward sa inyo.
00:54.0
Kaya kailangan, tulungan ko na kayo para di kayo mahirapan.
00:57.1
So, para di kayo mahirapan po,
00:58.8
e, ito pong unang kailangan po natin malaman.
01:00.8
Alamin muna natin ang tinatawag na pros and cons
01:06.1
Pag-usapan muna natin,
01:07.6
pag ikaw ay nag-invest ng pera.
01:10.6
Pag ikaw ay nag-invest po ng pera, ano po ang pros po nito?
01:13.2
Ang pros po nito, siyempre,
01:15.2
wala kang gagawin.
01:16.3
Tapos, ang pera na ang magkatrabaho po para sa inyo.
01:19.7
Steady ang income. Steady po.
01:21.6
Tapos, lalo na kung naka-invest kayo sa mga properties.
01:25.0
Di ba, may paupahan kayo. Imagine na nalang.
01:27.4
Mapro-project mo na.
01:28.4
Kanyari, mayroon kang 15,000 na paupahan.
01:30.6
Tapos, tatlo ang pintuan, 45,000 a month.
01:33.8
Steady ang return. Passive ang income.
01:36.0
At the same time, yung risk mo ay hindi ganun kalakihan.
01:39.2
Pagka sa property, ang pinag-uusapan po natin.
01:42.2
Ang cons naman po nito,
01:44.0
ay limit, ay yung parang calculated.
01:47.3
Hanggang 45,000 na lang siya a month.
01:50.0
Kasi, wala eh, projected siya.
01:52.7
Di ba, hindi mo pwede sabihin,
01:53.7
Ay, kailangan ko ng 90,000.
01:54.9
Natakasan ko na yung doble yung rental niyo.
01:57.1
Aalisan ka ng tenant. Baka ma-zero ka pa.
02:00.7
And then, siyempre,
02:01.7
limited din yung potential ng growth.
02:03.7
When you say limited,
02:04.9
kukumparanin natin sa ibang investment,
02:06.9
which yung pangalawa,
02:07.9
eh talagang malayong malayo.
02:09.5
So, right now, let's go to number two.
02:12.3
Pag nag-business ka, anong pros?
02:14.7
Siyempre, in terms of,
02:16.7
pag-uusapan muna natin yung growth.
02:18.3
Yung growth, hindi siya limited.
02:20.3
Ang growth niya, unlimited.
02:22.6
Kailangan mo na 90,000.
02:23.8
Kailangan mo 180,000.
02:25.2
Kailangan mo 360,000.
02:26.6
In other words, sky is the limit.
02:28.4
And then, ang kagandahan din sa negosyo,
02:31.2
Di ba? May creative control ka.
02:33.2
At meron kang tinatawag na sense of fulfillment
02:35.6
pag may na-achieve ka mga milestone.
02:39.8
Pag kinawag ka na ng boss, eh.
02:43.8
Pero, anong cons?
02:44.8
Ang cons naman, siyempre,
02:46.8
araw-araw ka papasok pa rin sa work mo.
02:50.8
Babantayan na, lalo kung bago pa.
02:52.8
First, you become an employee of the company,
02:54.8
and sooner or later, you become the boss of the company
02:56.8
when you hire other people to work for you.
02:59.8
nag-negosyo ka, there's higher risk.
03:01.8
Kung ano yung ininvest mo, pwedeng maluwin.
03:03.8
Pwede kang mag-back to zero.
03:04.8
And then, number three,
03:06.8
siyempre, yung promise pa yung return,
03:08.8
eh, ano ba? Hindi.
03:09.8
Eh, negosyo. Lahat ng negosyo may risk, eh.
03:11.8
Meron bang negosyo walang risk?
03:12.8
Eh, ano tawag doon?
03:13.8
How shall na yun?
03:15.8
Kaya nga tatanungin ko,
03:17.8
o si T. Charon, TB,
03:18.8
and si Lisselle Ferrer,
03:20.8
ano bang mas palagay niyong mas maganda?
03:22.8
Mag-invest ng pera,
03:23.8
o inegosyo na lang?
03:24.8
Tingnan po na natin ang success rate,
03:28.8
Yung pagdating sa investment,
03:30.8
malaking factor po,
03:32.8
yung tinatawag natin on the market condition.
03:35.8
When you say market condition,
03:36.8
kung maganda po ang economy,
03:38.8
siyempre, maganda.
03:39.8
Bullish ang economy,
03:40.8
mataas lahat ang presyo.
03:42.8
And then, supply and demand yan.
03:43.8
When the supply is little
03:44.8
and the demand are high,
03:45.8
the prices goes up.
03:47.8
Lalo na pagdating sa stock market investment,
03:49.8
or yung sa crypto investment,
03:52.8
Pagka bull market.
03:54.8
Parang walang katapusan, eh, no?
03:56.8
depends also on the investment strategy
04:01.8
Kung tama ba yung investment strategy niya
04:04.8
when it comes to investing.
04:05.8
Again, ano naman yung risk?
04:07.8
Eh, may risk talaga rin.
04:08.8
May risk na baka malugi ka,
04:09.8
lalo na kung di maganda ang market.
04:11.8
Kaya nga kailangan po, no,
04:12.8
bago pa rin pumasok sa investment,
04:14.8
please, please, please,
04:15.8
do your own research.
04:17.8
invest only the amount of money
04:19.8
you can afford to lose.
04:20.8
And then, number three,
04:21.8
never invest in something
04:23.8
you do not understand.
04:24.8
Parang awa niya na.
04:25.8
Yun lang po ang pakiusap ko po
04:26.8
pagdating po sa investment.
04:28.8
let's look at the business.
04:29.8
Ano yung chances for you to succeed?
04:31.8
Again, depends on your number one expertise.
04:33.8
Kung ano yung alam mo.
04:35.8
Depends also on your capabilities.
04:38.8
Depends also on the market.
04:40.8
Kung sinong target market and demand.
04:42.8
And then, syempre,
04:43.8
kung paano mo nie-execute yan.
04:44.8
Ano naman ang potential risk po nito?
04:48.8
Kaya kailangan po,
04:49.8
bago ka pumasok sa business,
04:51.8
pag-aralan mo muna,
04:54.8
Pag hindi mo alam,
04:55.8
wag mong pasukan.
04:56.8
And then, please, please, please,
04:57.8
when you want to start a business,
04:59.8
I don't recommend you borrowing money.
05:02.8
When you start up,
05:03.8
wala ka pang proof of concept,
05:05.8
there's a higher chance for you to lose money
05:07.8
rather than to make money.
05:10.8
when you want to start a business,
05:11.8
start with the money you can afford to lose.
05:14.8
Just in case you lose the money,
05:15.8
you don't lose interest.
05:16.8
You don't pay for interest.
05:18.8
It doesn't make sense.
05:20.8
anong magandang desisyon?
05:21.8
Chinki, naguguluan pa rin ako.
05:24.8
I have given you the pros and cons of two.
05:27.8
make a decision based on your current financial situation.
05:31.8
As much as you want to,
05:33.8
like for example,
05:35.8
You want to start.
05:36.8
Like for example,
05:37.8
meron ka bang pera pang invest?
05:40.8
Ba't mo pag-usapan investment?
05:42.8
may pera ka ba pang negosyo?
05:44.8
limang libo lang.
05:45.8
O, pwede ka mag-negosyo.
05:46.8
Mag-negosyo ka muna.
05:48.8
ito yung kagandahan.
05:49.8
Just in case na magkamali ka sa five thousand,
05:52.8
Pwede ka pa rin makarecover.
05:54.8
Kasi, five thousand yan,
05:55.8
pwede mong kitain ulit.
05:58.8
mag-iinvest ka ng fifty thousand,
06:00.8
ang hirap na makarecover.
06:01.8
And I hope that you are enlightened.
06:03.8
Ano ba talagang mas maganda?
06:05.8
tatanungin ko ngayon.
06:06.8
After hearing all of the pros and cons,
06:10.8
gusto ko itang pakinggan
06:11.8
at gusto ko malaman
06:12.8
kung ano yung iniisip mo
06:14.8
pakitype na lang sa comment section,
06:15.8
ano sa palagay mo
06:21.8
Thank you very much for tuning in.
06:22.8
I hope that you have learned
06:23.8
and you get excited.
06:25.8
Don't forget to subscribe
06:27.8
and share this video
06:28.8
with your friends.
06:30.8
tamang karunungan,
06:31.8
tamang disiplina,
06:32.8
ang Susy sa Pagyaman.
