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00:00.0
Hello mga kasosyo at mga kanegosyo. Welcome po sa Usapang Pera Live.
00:11.1
Meron tayong special episode today kasi magpa-Valentine's Day
00:15.1
at saka talaga namang pinag-uusapan ang mga prenup-prenup na yan.
00:21.5
Kaya yun, pag-uusapan natin ang prenuptial agreement
00:24.1
tapos may bagong app ang gobyerno natin, EGOPH.
00:29.4
Kaka-download ko lang siya at rinay kong gamitin.
00:32.1
For verification pa ako, mukhang nakabakasyon yung magbe-verify.
00:35.6
Hindi pa ako na-be-verify eh.
00:37.4
Tapos, sa February 13, meron pong ilulunch na retail treasury bond
00:42.2
30 at outing na ng retail treasury bond natin.
00:47.3
So, sana ay makahabol kayo diyan.
00:53.2
At syempre, dito sa ating topic na prenuptial agreement,
00:59.4
hindi po pwedeng ako lang yung source natin dito
01:05.2
kasi hindi naman ako lawyer.
01:08.1
Kaya, inanyayahan ko ang aking kaibigang matalik na matalik,
01:15.3
napakaganda at sana'y manalong congresswoman sa Siargao next year.
01:23.2
Manifest ko na yan.
01:24.5
I-welcome natin si Atty. Lucille.
01:29.4
Si Ring. Ayan. Hello, girl!
01:33.9
Salamat sa maganda. Hintayin ko mga ilang buwan.
01:36.6
Gaganda na rin ulit ako. Mas maganda pa sa'yo.
01:42.1
Sanay na sanay na mga followers ko sa kagandahan ko.
01:47.0
Kaya, ikaw naman yan.
01:48.7
Last time na nag-livestream tayo, patok na patok ko yun.
01:53.7
Kasi tungkol sa pamana at mga lupain.
01:56.2
Kaya, ulitin natin ulit yun para public.
02:00.6
Oo nga. Kasi dami dito sa Siargao.
02:03.0
Nandito pala ako sa Siargao. Nakiki-internet sa kapit-babay
02:06.7
para lang makasama kita ngayong araw dahil namimiss na kita.
02:10.3
Sa lahat ng mga nununood, magpasensyahan nyo na ang aking kagandahan ngayong araw na to.
02:16.0
At sana marami tayong matututong. Magagandang araw ngayong araw.
02:21.7
Sakaling meron na tayong gusto mag-asawa.
02:24.7
My God, huwag na.
02:26.0
Kasi ano ngayon eh, usap-usapan ngayon.
02:29.4
Corny, itong kay, ayan nga, kay Bea at saka kay Dominic, di ba?
02:35.4
Na ang chika daw na bakit sila naghiwalay ay pre-nap.
02:38.7
Siyempre, hindi naman natin alam kung totoo talaga yun, di ba?
02:41.8
Sila lang naman yata nakakaan.
02:43.3
O baka meron kang inside information. Alam ko, mashowbiz ka rin eh.
02:47.5
Actually, kilala ko sila. Na-meet ko silang dalawa at had dinner.
02:52.5
Even prior to na naging sila. They were still dating.
02:56.8
So, tunanin ko that time si Bea.
02:59.4
Kasi we had, we were working on some, from day one work for, she wanted to form one.
03:07.0
Na-meet ko yung guy. I know the guy from, not personally, I met him.
03:14.0
Gwapo naman talaga. I mean, I couldn't blame Bea.
03:19.5
He is younger. At yun, yun lang ang unang ititismis ko tungkol doon.
03:26.3
Oo. Anyway, so yun ano, napag-uusapan nga.
03:29.4
At ang tanong ko nga dyan ay, bakit siya biglang napaka-interesado ng mga tao tungkol dito sa prenup na ito?
03:40.1
Unang-una, ang dami naghihiwala yan.
03:44.0
Nandun na yung Kapnyel. Nandito nga si Daniel nung mga isang linggo. Pinaguguluhan siya.
03:52.4
Bumarampa ang kuya. Ngayon naman nag-announce naman si Sarah Labati.
03:57.8
Tsaka si Richard Gomez.
03:59.4
Ah, si Richard Gomez.
04:04.4
Sorry naman. Sina pa rin ni Lucy Torres.
04:09.2
Sino pa? Si Kim Chook. Saka si, di ba, updated ako. Wala akong magawa sa siya.
04:14.2
Si Jericho Rosales at saka yung jowa din niya.
04:17.7
That's confirmed. And they separated long before na.
04:23.4
So, kumbaga. At syempre, tinaon mo talaga na Valentines na.
04:29.4
Ay, kong Yey Fatsoy pala.
04:35.4
So, yun. Siguro dahil siya strong interest. And of course, Bea Alonso being popular.
04:43.7
Different naman yung Kapnyel kasi bata sila. They stayed together for so long.
04:48.8
Naghiwalay. Pero kahit yun ha, pag-usapan din natin.
04:52.6
It was difficult for them to separate because of the businesses that they entered into.
04:59.4
And I understand that was one of the reasons why it took a while before there were decisions to declare.
05:06.7
Actually, side kwento lang ha. Itong si attorney ay ano yan? Lawyer to the stars yan dati.
05:12.6
Siya yung mga analment ng mga artista.
05:16.4
Kaya di na ako nag-asawa. Alam ko na mangyayari. Maghihiwalay din ako. Kaya huwag na.
05:21.8
Kaya huwag na lang.
05:23.6
So, I have friends and of course, one of my famous client is Vina.
05:29.4
So, okay. So, prenup. Hindi natin alam. Purely speculative. Pero isa yun sa mga lumabas.
05:49.1
Normally, mag-pre-nup ka lang kung may isa sa couple ang mas mayaman.
05:57.8
Actually, ang case may nga.
05:59.4
Nakalap ko dyan. Kasi na-interview ako. Tapos tinatanong ako. May alam ko.
06:03.0
Tapos ang nakalap ko sa mga ibang chika nila ay si Bea daw kasi ay nasa 1 billion na.
06:08.1
Tapos itong si Dominic daw ay nasa 30 million. Ganyan. So, medyo malayo.
06:13.3
Pero sabi ko, 30 million? Di na naman yun maliit ha. Okay na rin yun.
06:18.5
I doubt it was even 30 million.
06:23.0
The version that came out. Chiswista ha. Is that...
06:27.8
Parang naging showbiz chismis to.
06:30.4
It turned out na it wasn't what it was.
06:35.6
Kumbaga. So, despite that, parang people around Bea felt na...
06:41.8
And in fairness to the guy, he offered daw the prenup.
06:48.6
Uy, that's nice. Kasi ang sinasabi ko nga, dapat kasi kung ikaw yung mas mababa yung income level,
06:56.5
mas maganda kung ikaw yung mag-offer ng prenup.
06:59.7
Para malinis, di ba? At saka hindi awkward. Di ba? Hindi ka na pag-iisipan.
07:06.9
Oo. So, anyhow. So, I don't know really the real story how it came about.
07:12.7
Or even if I know, I will not tell.
07:15.7
So, well, let's focus dun sa prenup.
07:18.5
Kasi, this is very common in other countries.
07:26.5
It's common among those who have more than the other.
07:30.0
Especially if the parents feel na you married into someone na might take advantage.
07:39.3
So, anyhow, ang prenup kasi, bago ka mag-asawa, before 1987, yung family code,
07:49.9
ang naririnig natin is conjugal partnership of gain.
07:54.0
So, pag nag-pre-prenup ka...
07:57.2
Ito yung three regimes na ang iyalaw ng batas.
08:01.7
Yung conjugal partnership of gains.
08:05.5
Second, yung absolute community of property.
08:09.1
And then, yung isa, yung complete separation of property.
08:13.7
Mag-focus nalang tayo sa, para klaiarin natin, ha? Hindi tayo mag-anale.
08:20.4
So, ba't long regime?
08:26.1
partnership of gains.
08:33.8
of absolute community na ang
08:39.3
ang conjugal partnership kasi of gains,
08:42.5
you have to have an accounting.
08:46.7
kung hindi maganda yung accounting
08:50.0
mahirap kang, parang
08:51.7
magdating ng kahiwalayan or what have you,
08:55.8
magulo. So, they decided
09:00.9
ang default na lang, absolute community of property,
09:03.9
kung anong dala mo
09:09.2
Kasi sa conjugal, kung ano lang
09:16.9
habang buhay yung married, yun lang yung
09:22.3
housewife ka lang?
09:24.2
At wala ka namang
09:33.6
nanluloko na si tatay,
09:38.3
wala kang capacity,
09:40.4
you stay in the married.
09:42.3
So, under regime of
09:46.8
absolute community,
09:49.6
has a work or not,
09:56.0
mayroon akong certain level of agreement
09:59.1
dyan, kasi, yun nga,
10:00.8
mayroon namang sense of union. Pero,
10:02.6
maganda rin talaga itong prenup nga,
10:04.6
na mayroong option na
10:08.9
kung kayo ba ay okay ba,
10:10.6
ay kung gusto nyo ba na join or
10:12.3
separate. Tama ba yung intindi ko?
10:16.4
yung isang, yung third
10:18.7
is yung tinatawag na complete separation.
10:21.2
Talagang walang pakili, ah,
10:22.3
ang gastos mo, gastos mo, gastos ko,
10:25.2
So, pwede yun, technically.
10:28.5
So, we don't know which one they agreed upon.
10:32.0
So, if it triggered
10:39.1
Kasi, it's very sensitive in our culture to
10:42.0
I thought you love me,
10:44.1
why come you have to have a prenup?
10:50.1
but, you know, my parents don't.
10:51.8
So, give me the prenup.
10:54.2
So, it's really more of a goodwill.
10:58.4
a lot of things right now, like,
10:59.8
very common now that
11:02.1
women are empowered.
11:11.9
So, we don't have an alimony,
11:14.2
we don't have a divorce.
11:16.0
So, every time na meron
11:20.0
ang unang talagang nagpapatigal
11:21.9
is yung issue on property.
11:26.4
So, karamihan ngayon
11:27.9
ang mga taipans na hiwalay sa asawa
11:30.1
remain married to their wives
11:32.2
even if they have other
11:37.3
separation of property.
11:40.0
Actually, nung tinanong nga namin yan
11:43.4
ano ba yung madalas na source na di pinagkakaunawaan
11:47.8
magkahiwalay man sila o hindi.
11:49.8
At ito yung lumabas.
11:54.2
ay tungkol sa pera.
11:58.4
lang yung pangangaliwa.
12:00.2
7% yung panginalam ng
12:02.2
dyanan. Oras sa trabaho
12:04.1
versus family time ay 6%.
12:05.8
At saka mga gawaing bahay, 5%.
12:08.0
So, napakalaking bahagi
12:13.9
pinag-uhugatan ng mga away-away na yan.
12:16.3
So, ako inisip ko nga rin, parang
12:18.1
blessing in disguise din, ano,
12:19.8
kung hindi pumayag na magpirmahan
12:22.3
ng prenup, e di mas maagang
12:24.2
nalaman na nila ngayon na hindi pala sila
12:27.8
bet for each other. Kesa
12:31.7
But I also have an opinion with that survey.
12:34.4
It's actually connected to the second one.
12:38.4
may nangangaliwa,
12:40.1
hindi ka na nakakagigay ng
12:41.7
tamang sustento sa jowa o sa asawa.
12:45.9
in fact, nag-connected sila.
12:50.3
ka sa, nung una, ayos
12:52.1
yung bigay mo, meron ka na ibang girlfriend,
12:54.2
start spending other things
12:55.9
other than your family, then it becomes
12:58.0
an issue. Then it triggers.
13:01.4
okay lang kahit may ibang babae ka, basta ako
13:09.5
athlete na ngayon, politiko,
13:12.3
di ba, ilang beses na chismis
13:13.9
kung sino-sinong artista,
13:16.1
but the white stain.
13:18.1
I think that's connected.
13:24.2
pera are the same.
13:26.3
Oo. So, eto talaga, no?
13:27.9
So, ang efekto, yung 1987
13:29.8
family code natin, ang sinabi niya
13:31.9
ay kapag tayo ay ikakasal,
13:33.8
kung wala kayong prenup,
13:35.7
yung property na meron ka
13:38.3
nung single ka at yung mga
13:39.9
property na makikreate ninyo
13:42.0
na during kayong mag-asawa,
13:43.8
magiging joint yan.
13:45.7
Ganon ba yun? Correct. Yes.
13:49.6
So, meron din palang benefit ang pagiging
13:51.7
Becky, ano? Kasi,
13:55.8
Hindi kami ginakasal.
13:57.5
Pero gusto ko call you.
13:59.9
Kami naman ni Edwin ay, sabi ko,
14:02.7
kasi pareho, eto rin yung
14:03.9
benefit na yung jowa mo,
14:05.9
ka-level mo, no? At saka nagsimula
14:08.2
kayo together and then you grew in the
14:15.3
hindi naging problema yung
14:17.7
prenup-prenup na mga
14:19.8
ganyan, no? Ay, bakit may gano'n?
14:24.2
In fairness, may mga
14:26.8
pasabog. Okay, sige.
14:29.0
Parang may mali doon sa...
14:32.7
Sabi ko, sabi ko, yun siya.
14:36.6
Balikan natin si Bea at saka si
14:41.7
That was also even
14:42.8
an issue with Sarah Geronimo.
14:47.6
parents, apparently, ah, she's miss of
14:50.8
Sarah said, my daughter is
15:00.6
But, at the end of the day, walang basagan
15:02.6
ng trip, diba? So, in this case,
15:06.6
very speculative to even
15:09.7
on her ability to handle a relationship.
15:13.3
Kumbaga, women are
15:16.5
She has the right to take care of her finances
15:18.8
at the end of the day.
15:20.7
Diba? Yeah. Of course.
15:24.2
the end of the day. So,
15:25.7
I'm happy for her if that's
15:28.4
her reason. It means
15:30.2
that makikita yung good
15:32.2
faith ng malaki. But, we cannot also
15:40.2
maluhu din yung bata.
15:42.5
Hilig sa mga... And he
15:44.1
is friends with really...
15:48.1
Mga friends, circle friends yung mayayaman
15:52.1
giving up with the lifestyle.
15:54.2
Maybe, all of this is a reason.
15:56.8
So, but they're trying to work things out.
15:59.0
Whatever happens, that's important.
16:01.1
If they really decide to
16:02.4
separate, una, outside naman tayo,
16:04.2
dun na naman ang kinalaman natin. At, pakalawa,
16:05.9
i-wish na lang natin sila ng very, very
16:08.4
well. Diba? Ayun. Tapos,
16:10.6
ano ba yung mga ano? Ano ba yung
16:12.4
pros ng pagkakaroon
16:24.2
yung pros sa akin, I don't know ha, hindi naman ako kasal.
16:28.6
kumbaga, I would say
16:30.3
I really don't care. The pros is this,
16:32.8
if really talaga substantial
16:38.2
na talagang 90 to 10%,
16:40.7
just enter into something
16:44.0
para lang klaro. I'm sure
16:46.0
pag magkakasama naman kayo, kung sinong mas mayaman
16:48.2
yung di na mag-aambar ng mas malaki, diba?
16:51.7
The advantage is to clear,
16:54.2
kaya lang kasi, every time you say,
16:56.2
oh, I want to enter into a prenup,
16:58.2
it's like anticipating that at some point
17:00.2
we might separate.
17:02.6
Yes, oo. Yun nga yung
17:04.3
mga isang ano, parang, eh, bakit pa tayo
17:06.3
magpapakasal kung meron ka palang
17:08.1
ganun na, ano, tinitigil mo?
17:10.5
It's weird, but it's in my life also.
17:12.9
So, the advantages
17:14.4
is on the business
17:18.8
But the advantages
17:19.9
in terms of the trust that will have
17:22.2
to be created while you're, you know,
17:24.2
you're married is a different story.
17:26.3
So, that's why you don't
17:29.3
you don't do business
17:30.1
with your heart, you do business with your mind.
17:36.3
Taray naman, Noel. You do
17:38.2
business with the mind, not with
17:44.5
No, I mean, you give,
17:46.5
I know you kasi, I know
17:48.2
you've been friends for so long.
17:52.2
You also give heart.
17:54.2
Kasi, doing well and doing good.
17:57.0
I'm sorry, I'm gonna
17:58.4
correct myself. I'm looking at
18:00.2
the perspective of
18:01.6
the likes of the Gokongwees where
18:04.3
you also have brothers and sisters.
18:08.3
at makikialam sila, eh.
18:12.4
ano ka, eh, self-made.
18:17.1
But at the same time,
18:18.5
Bea is also self-made.
18:20.2
Pero, we really don't know. It really depends.
18:22.5
It's a case-to-case basis.
18:24.2
The advantages of having a prenup?
18:30.2
Pero, ang sabi nga din sa prenup,
18:32.1
napapalinaw yung financial
18:34.0
expectations, tapos napoprotect
18:36.3
yung personal na assets.
18:38.0
Gaya ng sabi mo kanina na,
18:40.2
kunwari, I came from a previous marriage
18:42.5
o para maprotektahan naman yung
18:44.1
mga anak ko doon, hindi pwede yun.
18:46.1
And then, efficiency ng legal process,
18:47.7
sakaling may mangyari, meron ng set agreement
18:50.3
na i-execute na lang.
18:52.8
In fact, the law,
18:55.3
if you marry again,
18:58.0
and you did not annul
18:59.1
the previous one and did not distribute,
19:01.3
tapos nagpakasal, the second marriage
19:07.2
Ngayos yung distribution
19:08.8
bago ka nagpakasal ulit,
19:11.1
invalid yung second.
19:13.0
Ah! Ang taro yun.
19:14.4
Kasi, I have already
19:16.9
one case na ginawa ko about it.
19:20.2
Anyway, ano naman yung mga
19:22.8
Sa nakita natin, yun nga, nakakaroon ng
19:24.9
lack of trust, ganyan, tapos
19:27.0
nakuuwi sa hiwalayan,
19:31.1
Ano naman pa yung mga
19:34.7
Let's focus doon sa cons ng
19:36.6
absolute community.
19:38.6
Hassle. Hindi ka pwedeng magbenta ng
19:40.7
walang consent ng
19:45.2
Kung kailangan mo na talaga,
19:48.6
ang dami kaya ngayong mga
19:50.2
husband na wants to dispose,
19:52.5
may utang, will forge the
19:54.7
signature of the wife.
20:00.2
Wrong yung mga yun, ano?
20:01.8
So, tinanong natin yung, ano,
20:03.9
tinanong natin yung opinion ng mga
20:08.4
Ayan, sang-ayon ba kayo sa
20:10.2
pre-nuptial agreement? Oy, guys, kung
20:12.3
sang-ayon kayo or hindi
20:14.3
sang-ayon, mag-comment naman kayo
20:16.2
dyan, ano? Sang-ayon ba kayo sa pre-nuptial
20:18.7
agreement? At ang lumabas
20:34.3
diyowa. O, di ba?
20:38.7
talaga na may natutunan na yung mga
20:40.3
viewers mo kasi yung mayaman na sila.
20:44.6
ng pre-nuptial agreement, ang mayaman.
20:48.4
Ito na lang siya yung tanong ko. Ano yung
20:50.2
certain level amount ng
20:52.3
ah, wealth na meron
20:54.7
ka na worth it na magkaroon
20:56.8
ng pre-nuptial? Kung may 1 million pesos na ba ako,
20:58.4
magpipre-nup na ba ako? O antayin ko pa katulad
21:00.6
yung kabeya na 1 billion?
21:06.9
alam mo kasi minsan,
21:08.1
pag may pagdududa ka na salaga sa
21:09.6
diyowa mo, kahit 500,000
21:11.4
na pa po pre-nup.
21:17.2
Kung parang disirado ka na, gusto mo na
21:19.0
mag-asawa, e kaya lang, oh, pre-nup na nga.
21:24.3
I can't answer that categorically
21:26.8
kasi I also know someone
21:28.8
who's filthy rich
21:30.1
who was pressured by the family
21:32.6
to get the pre-nup and he didn't.
21:35.1
And he was proven right,
21:36.8
he's still married to that lady.
21:40.0
It really is a case-to-case basis. We don't know, eh.
21:44.5
So, itong mga na-research ko,
21:47.5
um, attorney, ha, kung sino-sino
21:48.9
ba yung mga i-coconsider na
21:50.9
mga couple na dapat mag-consider
21:52.6
ng pre-nup. So, sabi mo kanina,
21:54.4
yung may significant assets or debts, no?
21:57.1
Napag-usapan din natin yung
21:58.8
previous relationships, yung mga anak na yon.
22:01.5
Yung one partner is much
22:02.7
wealthier. Yung business
22:04.9
ownership at saka anticipation
22:06.5
of inheritance, paano naman yan
22:08.9
magiging relevant sa
22:10.7
ano, nang magkakaroon?
22:14.7
absolute community, if
22:22.8
hindi yun part ng absolute
22:29.0
uh, yun yun sa issue ng inheritance.
22:31.1
Dun sa, what was the other one? Yung
22:35.1
business interests.
22:37.0
So, the business interests, for
22:41.0
in anything that the
22:42.9
one of the spouse enters into,
22:45.7
must have consent with
22:50.9
So, kasi the family,
22:52.2
oo, kasi, pag kunwari,
22:54.9
there's a dissolution, if it turns out
22:57.0
to be a sole proprietorship,
22:59.1
hindi lang yung husband na sisigaling pati asawa.
23:03.1
husband and wife, it goes both
23:04.9
ways naman yun, no? Correct.
23:06.6
Hindi naman yun na lang. Okay.
23:09.2
Sige. And then, sino ba dapat
23:11.1
ang mag-iinitiate? In your, ano,
23:12.9
kung ikaw, ang tatanongin as a lawyer,
23:15.4
sino dapat ang mag-iinitiate
23:17.0
ng prenuptial agreement?
23:19.5
Yung isang dapat,
23:22.8
na wala ka masyadong pera.
23:27.2
Masa ka na lang na pag kayo na,
23:28.7
ambunan ka. Yun lang yun.
23:30.7
Oo, oo. Okay. So, better yun,
23:33.0
ano, para, I think, ito rin
23:35.0
para ano eh, para
23:35.9
hindi ka pag-isipan ng
23:38.7
iba na, oh, nag-gold figure
23:41.0
ka or something, diba? Correct.
23:42.6
Correct. Yun. Oo.
23:44.6
So, ayun. At tapos ito lang
23:46.8
nakita ko, no, how to initiate
23:48.7
the discussion on a
23:50.7
prenup. So, sabi, choose the right time
23:52.7
with your partner. Then,
23:54.4
express mo yung intention for protection
23:56.5
and clarity. It's not about
23:58.4
distrust and anticipating a marriage
24:00.4
to end. Be open and then seek
24:02.4
professional advice together.
24:05.3
So, meron ka bang itadagdag
24:08.5
Alam mo, kung sensitive ka sa partner
24:10.6
mo, mararamdaman mo
24:12.6
kung, let's say, lalo na kung umaasa
24:14.7
yung buong pamilya sa ganoon.
24:18.3
Diba? You will always find
24:20.6
an enemy on one of them kasi
24:22.5
the marriage now, the family will come
24:28.5
first over the parents or the
24:30.5
brother, right? So,
24:32.5
kung may past case, makaramdam ka na,
24:35.5
oh, let's say ako si Don,
24:38.2
obviously, she's the breadwinner
24:40.3
and she really made things
24:44.2
She bought a farm for the mom,
24:46.2
bought this for the brother.
24:48.9
Ako na magsasabi,
24:50.6
let's do a prenup.
24:52.6
Just to ease the concern.
24:55.3
Oo. At saka, parang ano din,
24:57.2
hindi lang at peace with your partner
24:59.3
kasi when you're getting
25:01.2
into marriage, parang
25:03.2
nai-intertwine ka na rin dun
25:05.2
sa mga family dynamics.
25:07.1
So, to keep that in mind at saka
25:09.1
para maging smooth lang
25:11.1
lahat, mas okay na talaga na mag
25:13.2
prenup. So, tapos yun na.
25:17.2
prenup under a context, lalo na
25:21.0
unlike in the States, when you get married,
25:24.5
the parents are, you know, everyone's cut off.
25:26.9
Here, we don't cut off.
25:28.5
There's still a lot of expectations from your own
25:30.5
family to, you know,
25:35.5
Sorry, I cut you.
25:38.6
Kasi kagabi, ang ano naman
25:40.4
ni si Gretchen Ho
25:42.8
in-interview ko kagabi, tapos ang chika
25:44.6
niya ay, sa research daw nila,
25:48.5
yung mga relationships
25:50.0
na halos magkapareho
25:52.5
yung economic status.
25:59.0
I would look at them.
26:03.9
Not to say na hindi magiging successful
26:06.0
yung may disparity, pero mas nagiging
26:08.0
successful daw yung
26:12.1
There's really no,
26:13.6
for me, I'm not married, but I feel
26:15.8
there's really no formula.
26:19.0
Maybe by statistics,
26:20.0
but at the same time,
26:23.7
in the Philippines, for example,
26:30.1
expected to earn more, and the
26:32.0
woman, once she gets
26:34.2
all, ano, there's a tendency
26:36.2
to be insecure, right?
26:40.9
if you want to win the same
26:41.9
thing, you have to be competitive.
26:44.8
Even within the marriage,
26:46.2
it's tiring, right?
26:50.0
if that's the case,
26:56.4
in our barricade, there are lawyers.
26:58.9
Lahat yung successful
27:00.4
sa marriage nila.
27:02.6
You know the key?
27:05.4
Of course, isa ang husband,
27:08.1
architect, isa lawyer din.
27:12.5
Yung isa na hindi na work out
27:18.8
So, that could be true also.
27:22.2
made it a point that us
27:23.9
women lawyers hang out
27:26.0
and go away from that relationship.
27:28.3
Meaning, we travel
27:30.1
together, kami-kami lang,
27:32.0
there's a life outside of it.
27:36.6
Because once it gets
27:38.1
so, you know, clingy,
27:44.2
successful relationship to
27:48.1
mayroon pa rin ikaw,
27:50.0
ako, tapos may tayo.
27:52.7
Yun talaga yung magandang kuha.
27:58.0
Alam ko maraming maraming salamat. Maraming tayong mga
27:59.8
na-chismis ngayon, ha? May mga deta-detalye.
28:02.8
So, next na pag-uusin.
28:05.8
Call me when you're not busy.
28:11.6
so, nasa Shergau ka ngayon, ano ba yung mga
28:13.8
plans mo dyan? O magkampanya na tayo
28:20.0
we're still focusing dun sa
28:23.6
inaano namin the last time.
28:25.8
And then, we just recently...
28:35.8
a few days ago, we gave out wood
28:37.8
stoves for a carbon credit program.
28:40.6
So, maybe we should
28:41.9
talk about that one of these days.
28:43.8
Sige, sige. Next time, ano yung mga
28:45.3
ano yung mga pinagkakaabalahan mo
28:50.0
Pero mas maganda kung on-site,
28:51.5
nandyan din ako, diba? Para...
28:53.0
Why not? Why not?
28:54.7
Maulad lang, swerte lang tayo today.
28:57.1
It's really sunny, but it's raining fast.
29:01.4
Okay, thank you, thank you, Lucille.
29:05.0
Love you, love you too. Thank you, everyone.
29:10.1
Okay, so yan po si
29:11.5
Atty. Lucille at ako naman
29:13.3
ang inyong financial guru, si Sir Vince.
29:15.7
Nagsasabing ang pagyaman, na pag-aaralan
29:18.0
at na pagtutulungan.
29:20.0
Okay, quick updates lang po.
29:21.8
Meron tayong bagong
29:23.4
app, no, mula sa gobyerno natin.
29:27.7
So, itong eGov.ph
29:31.9
you can download it sa IOS
29:34.1
o kaya sa Android
29:37.3
Ito yung nagsisilbing bridge daw, no,
29:39.8
ng Philippine government and the Filipino people
29:41.9
towards a public service
29:46.0
hindi na tayo kailangan pumunta sa mga
29:47.6
OPOC na parate, ano.
29:50.0
So, it's also known as
29:51.6
the e-government Philippines
29:53.4
sa mobile application. Siya gaya ng sinabi ko.
29:56.5
Ang mga po pwede natin
29:57.8
gawin dyan ay mga multisectoral
29:59.9
government one-stop
30:01.8
online system para
30:03.6
i-minimize yung economic cost
30:05.3
ng paggawa ng mga transactions.
30:08.1
So, ito po yung nakikita
30:09.7
natin dyan, ano. Ito yung
30:11.3
itsura ng app natin
30:14.0
at ang mga features niya
30:15.9
nasasimplify yung government
30:17.5
transactions with the
30:19.4
various agencies.
30:21.6
You can apply using this app
30:23.6
for passport, driver's license,
30:26.0
if you're going to renew your vehicle
30:27.6
registration, and paying
30:31.7
It's also a rich source of information
30:34.0
on government initiatives,
30:36.0
healthcare services, emergency numbers
30:37.9
and services, national disaster
30:40.0
hotline, at saka police
30:44.0
allows users to view the status
30:45.9
of your transactions sa
30:51.5
e-travel, very useful yan
30:53.6
sa akin, SSS, at saka sa
30:59.8
So, actually, nung
31:01.8
nag-ano nga pa nina, kasi nakakaaliw,
31:03.7
pinascan lang niya yung PhilSys ID ko
31:05.7
tapos na-fill up na niya. So, happy,
31:09.8
government issued IDs, makukuha
31:11.9
natin dyan. May SIM card registration
31:13.8
din, travel declaration forms
31:16.0
for outbound and inbound
31:17.7
travelers, pag tayo ay lumalamas.
31:19.4
ng bansa. At saka
31:22.5
CD or curriculum vitae natin
31:25.6
at saka for job searching, kung pwede
31:27.4
rin niyang magamit. So, how
31:29.4
do we register sa eGovPH?
31:31.9
So, the first thing that you do is to
31:35.4
the app. So, install the
31:37.4
eGov app. Pwede yan sa Google
31:39.4
Play Store at saka sa App Store.
31:42.0
And then, register your account.
31:43.6
So, nandito po ako sa stage na to, no?
31:45.3
Provide, naggawa ko na yan, yung
31:47.2
mobile number at pag-authenticate ng
31:51.2
yung step three, dito na ako
31:53.0
natatagalan. Kasi verify,
31:57.2
ng aking account pero hindi
31:59.1
nagwo-work. Ayan, no? Enter
32:01.2
your basic information. Tapos, may
32:03.1
facial recognition. Kailangan nung mag-face
32:05.3
left, face right. Tapos, mag-blink-blink
32:07.5
ka ganyan. In fairness, no?
32:09.2
May technology na nangyayari.
32:11.6
So, sana this is a step
32:13.3
forward towards a
32:15.2
more efficient transaction
32:17.0
system with the Philippine Gov.
32:19.3
Department. Ako po si Sir Vince, ang inyong
32:21.2
financial guro nagsasabing ang pagyaman
32:23.3
na pag-aaralan at na pag-tutulungan.
32:27.3
next natin. Ako, save the
32:32.8
Retail Treasury Bonds
32:35.2
na 30th edition nito
32:49.3
itong RTB 30 natin,
32:51.4
this is a safe and secure
32:52.8
investment, no? So,
32:55.2
on the 13th of February siya
32:57.4
mag-o-open. So, hindi ito parating
32:59.5
open. Usually, mga 1 week
33:01.3
or 2 weeks lang ito na-open. So, siguro mga
33:03.1
February 13 to February 28
33:05.2
lang yan open. And I really
33:08.5
invest here because
33:11.4
maliit lang yung amount na kailangan
33:15.1
it is 100% government
33:17.0
guaranteed kasi ang gobyerno po
33:19.0
ang umuutang sa atin.
33:22.6
ay programa po ng gobyerno
33:24.8
para sa mga small investors na katulad
33:27.2
natin para ma-diversify
33:29.1
ang ating investment at saka makatulong
33:30.9
din tayo sa economic recovery
33:33.1
ng ating bansa. Hopefully,
33:35.3
sana po hindi ito ay
33:36.4
maggamit for corruption.
33:39.0
Ang RTBs natin ay ginagamit
33:41.1
ng gobyerno para sa
33:42.7
infrastruktura, agrikultura, edukasyon
33:47.1
So, yan. Saan po ba
33:49.0
tayo pwedeng mag-open
33:50.8
ng mga RTBs natin?
33:53.2
So, pwede po sa Bureau of the
33:55.0
Treasury, sa Overseas Filipino
33:59.0
at saka sa bonds.ph
34:06.7
Pwede rin kayong pumunta sa mga over-the-counter
34:09.2
sa authorized selling agents.
34:12.1
listahan natin dyan. Screenshot
34:15.0
nyo na lang po. So, sa
34:16.9
Bureau of the Treasury,
34:19.0
punta lang tayo sa
34:23.6
tapos basahin natin yung
34:25.2
investment details and then click
34:26.9
ready to order and then accomplish
34:28.9
natin yung ordering form. After
34:31.0
that, we select our settlement bank,
34:33.0
agree to the terms and condition, and pay
34:35.1
principal cost with the
34:36.8
settlement bank. After that,
34:39.0
you will receive a notice of
34:40.8
successful payment.
34:43.3
And this will also be sent through
34:49.0
Okay. So, yan po, no?
34:51.0
Ang RTD actually is a very
34:55.0
investment mix for
34:57.0
diversification. Ako po,
34:59.4
si Sir Vince, ang inyong
35:01.2
financial guro, nagsasabing
35:03.5
ang pagyaman, napag-aaralan,
35:06.2
at napag-tutulungan.
35:09.6
ngayon naman po, ipapasaw kayo sa isa
35:11.4
pang napakaganda, napakasigasig,
35:15.5
na executive director ng
35:17.3
Sedby Foundation.
35:23.6
Hello, Sir Vince. Ayan.
35:25.9
So, tsitsikahan ko
35:27.8
kayo ulit kung paano ba natin
35:29.5
pwedeng gamitin yung ating
35:31.3
Sedby Kasosyo online.
35:41.4
Pantali lang. Okay.
35:49.0
Ayan. So, sa ating
35:56.8
Sedby Kasosyo online,
35:59.4
you may check your wallet.
36:03.7
pagka meron tayong
36:07.7
meron tayong contribution
36:09.2
payout, dividend payout,
36:11.3
dito nyo makikita
36:13.2
yung funds ninyo.
36:16.2
Okay. So, how do we check
36:17.5
our wallet? So, puntihan,
36:18.8
punta lamang sa bit.ly
36:22.9
kso. So, pwede din yung
36:25.4
puntahan gamit itong
36:27.7
QR code na nasa screen natin.
36:30.1
So, screenshot nyo lang ngayon.
36:32.7
And then, makakalogin
36:38.2
put your email and your
36:42.3
And then, pagdating
36:43.8
sa ating homepage, makikita
36:45.9
ninyo ang ating main menu.
36:48.8
At, i-click natin
36:50.9
ang ledger balance
36:56.6
Dadalhin kayo sa wallet page
36:58.9
and then, i-encode nyo lang
37:00.8
dito anong date yung gusto
37:02.6
ninyong makitang transaction.
37:04.6
So, ilagay ang from date to date
37:06.8
and then, i-click yung details
37:08.9
at maaari din yung
37:12.4
wallet transactions.
37:18.1
lalabas na yung ating
37:23.1
So, nandito ang ating
37:24.3
date of transactions.
37:26.4
Anong transaction ito?
37:28.2
At, anong type ito ba ay
37:30.1
crinedit sa my wallet mo
37:32.3
or nadagdagan ng iyong wallet?
37:34.5
Or, dinebit ba sa iyong
37:36.3
wallet or binawas dun sa
37:38.1
iyong balance ng wallet?
37:40.3
Magkano yung transaction?
37:42.9
And then, kung magkano
37:46.3
magkano yung na-credit?
37:48.1
And, magkano yung
37:49.5
balance na as of that
37:54.2
ang example ng ating transactions
37:57.4
yung start na balance
38:00.3
natin sa wallet balance
38:02.7
and kung nag-re-invest
38:05.2
sa, pwedeng sa membership
38:08.4
fee, nagbayad ka ng membership fee,
38:12.0
co-op share capital,
38:23.1
deposit pa lang ito,
38:26.3
a-add sa wallet mo and then
38:28.2
mababawas uli yun para
38:31.7
specific na investment.
38:34.4
Okay? So, at the end
38:36.2
of the page, makikita ninyo
38:42.0
So, aside from your wallet, you can
38:45.5
portfolio movement.
38:50.7
portfolio movement,
38:52.7
kung wala ka dun sa
38:56.6
puntahan lang itong link
38:58.9
na ito, same link and same
39:03.9
and sa ledger balance
39:07.7
puntahan yung my portfolio.
39:15.2
Okay. So, dadalhin ka
39:17.1
uli sa portfolio.
39:18.1
So, ito yung movement na page
39:20.0
and then i-indicate ninyo kung
39:22.1
anong date, range ng date
39:24.2
ng pupuntahan ninyo. So, from
39:28.1
then i-select ninyo kung anong
39:30.2
portfolio ang gusto nyong tignan.
39:33.7
ating socially responsible
39:35.9
investment or joint
39:38.0
venture savings. So, pwede yung SSM,
39:40.6
pwede yung RE basket
39:42.0
and so on. So, pipiliin
39:44.5
nyo lang dito sa select
39:45.7
and then click nyo yung details.
39:48.1
Kung gusto din yung makita
39:52.4
kayo ng file nito, i-download
39:54.1
nyo lamang itong report.
40:00.6
example nito, maglalabas
40:02.5
siya kung ano yung mga
40:04.0
portfolio na available, kung saan
40:06.4
ka nag-save or nag-invest.
40:10.4
lang yung gustong makita. So,
40:12.7
for example, this one, ang pinili
40:16.7
Lalabas ngayon lahat
40:18.0
nung transaction sa
40:21.9
So, as I mentioned, pwede itong
40:24.0
i-download. Lalabas
40:26.3
dito yung date of transaction.
40:30.0
transaction na yun? Yun ba yung
40:32.0
investment mo? Meron kang
40:34.2
kinita na dividend?
40:37.3
linabas na contribution
40:40.3
payout? And so on.
40:42.6
Pwede din makita kung nag-withdraw
40:44.3
ka dito. So, lalagay
40:46.3
din niya or makikita nyo din
40:48.0
kung ano yung transaction type.
40:50.3
So, in-add ba ito sa wallet?
40:52.5
Nag-invest ka ba?
40:54.5
Tinanggal sa portfolio dahil
40:56.0
contribution payout yung
40:57.9
nangyari? And so on.
41:02.1
makikita din dito kung ano yung
41:07.4
contribution payout or
41:09.9
withdrawal? Magkano
41:12.0
yung in-invest? Magkano yung outstanding?
41:22.3
So, sabi nga ni Sir Vince,
41:25.7
pag-aaralan at na
