* 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
Thank you very much.
00:30.0
Nako, di ba? February 27 yan eh. Ang pangayon 28. Kahapon lang yan na binalita natin at pag-uusapan natin ng mas detalyado. And then, mag-a-update din po tayo sa ating Marzan 2, sa ating Joint Venture Savings na yan.
00:47.6
Okay? Pero mag-attendance check po muna tayo. Ang attendance check natin ay ano ba ang inyong life goals? Okay?
00:56.9
So, ano ba ang inyong life goals? Ilagay nyo lang po ang inyong sagot sa ating comment section. Tapos, babasahin po natin yan maya-maya po lamang. Okay?
01:10.9
At, ayan no? Sige. So, kasama natin ngayon si Mercedita Bernardo. Naghe-hello siya sa atin. So, hello din sa'yo, Mercedita.
01:25.8
Tapos, si Rodrigo. Ayan. Kasama din natin. Listening in from Singapore. Nako mukhang nagtatrabaho pa sa Singapore itong si Rodrigo. Ano ba yung mga life goals ninyo?
01:36.6
At ako ay very, very interested na malaman niya. Siguro napapansin nyo, meron tayong bagong plaque na natanggap. Nakakaloka. Meron po tayong 20 years service award sa Ateneo.
01:55.8
Sa Manila University. O, diba? Kanina lang po yan ibinigay. At, actually, ano nga yan eh. Inano ko, no?
02:06.4
Kung nakwento ko kanina na sa Ateneo, meron akong karanasan dyan. Kasi may nag-55 years siya na of service sa Ateneo. So, ako po ay 20 years. Siya, 55 years na mag-isa lang niya. Si Father Nemike ito.
02:24.1
And I remember Father Nemike so well kasi noong, ano no, noong nasa Ateneo ako, 1998, kasagsagan yan ng Asian Financial Crisis.
02:38.2
At naalala ko ay walang-wala pong, ano no, ano to, yung aking mga magulang ay talagang tinamaan ng malala ng, ano,
02:54.1
aking mga magulang ay talagang tinamaan ng malala ng, um, Asian Financial Crisis. At wala akong pang-tuisyon noon. Tapos si Father Nemike, yung na-awardan ng 55 years, siya ang, um, parang head ng Office of Student Affairs at that time. At ako po ay nangutang doon.
03:10.9
So, 9,000 pesos, naalala ko yan eh. Binigay niya sa akin. So, nakapag binayad ko sa tuition. Nakakatawa, no? Parang yung Ateneo din nagbigay ng pambayo sa tuition.
03:23.0
Tapos, doon nakabawi-bawi.
03:24.1
mga magulang ko. Ayan, minayat ko
03:26.1
ulit sa kanya. So,
03:29.2
yung mga maliliit na bagay na mga ganito,
03:34.6
yung mas nakakapagpatibay
03:37.9
resolve ng mga gusto
03:40.0
nating mangyari sa buhay natin
03:46.1
Okay, sino pa ba yung mga kasama natin ngayon?
03:48.0
Ang inyong mga life goals!
03:49.6
Listen nyo naman ang inyong mga life goals.
03:51.8
Bakit matanggal na na yung life goals dyan?
03:53.6
Okay, watching from Milan,
03:55.9
si Percy. Hello sa iyo,
03:59.7
Si Alfie, of course, kasama natin yan.
04:02.2
So, pagpatuloy natin ang ating
04:03.4
batian portion maya-maya.
04:07.4
magpapatuloy tayo
04:09.5
sa ating discussion. At ang una natin
04:11.6
na ididiscuss muna
04:19.1
pag-ibig dividend.
04:21.7
Kasi alam kong yan naman
04:23.4
talaga yung super excited
04:25.1
super excited kayo na
04:29.5
So, yung ating pag-ibig
04:33.0
Pag-ibig Fund 2023
04:34.6
performance. So, ito po ay nireport
04:38.2
pag-ibig, which is the secretary
04:40.7
of the Department of Human Settlements
04:43.1
and Urban Development.
04:45.0
Okay? So, ano ba yung mga mandate kasi ng pag-ibig?
04:47.3
Mag-generate talaga ng savings. Ito yung
04:49.0
ating national savings program.
04:51.4
At magmamobilize din ng
04:55.0
para sa housing purposes
04:57.1
ng ating members.
04:59.2
Okay? So, ano pa ba yung
05:02.0
ano yung chika ng pag-ibig?
05:05.4
Isang pag-ibig na ramdam
05:06.9
ng lahat. In fairness, ang ganda naman talaga kasi
05:09.0
ng branding ng pag-ibig.
05:11.3
So, ang pag-ibig po ay
05:12.8
isa sa mga lead agencies
05:17.0
ng gobyerno, which is the
05:19.2
pambansang pabahay para sa
05:21.0
Pilipino program. So, mayroon po itong
05:23.2
20.17 billion pesos
05:25.5
na direct development
05:27.0
loan program na na-aprubahan na
05:29.5
at ibinigay sa iba't ibang mga
05:31.2
organizations. At ito
05:33.7
ay nakapag-finance
05:38.6
2023. So, all in all,
05:41.5
ang na-contribute ng
05:42.9
pag-ibig sa target
05:47.4
Pilipinas, target ng gobyerno natin,
05:49.1
na housing units, ay 159,000.
05:52.0
Sabihin mo ng 160,000.
05:53.2
Pero, ang buong target po
05:55.6
ay 1 million houses
05:59.4
Nakakadalawang taon na po ang administration na ito.
06:01.8
Mga nasa 300,000 po.
06:05.8
yung nagagawa. So,
06:07.4
meron pang backlog na 1.5.
06:09.4
Kaya, nako talagang on track tayo
06:11.5
na magkaroon ng total
06:13.5
backlog ng, I think, about
06:15.2
10 million houses by
06:17.3
2028. Kasi ngayon ay nasa mga
06:21.3
7 million na siguro ngayon.
06:24.3
pag-ibig fund ay committed din na magbigay
06:27.3
ng 250 billion pesos
06:29.5
na pondo para sa 4PH program
06:31.6
up to the year 2028.
06:33.9
Okay. So, ano ba yung mga performance
06:35.2
highlights ng pag-ibig?
06:37.5
So, noong pong 2023
06:43.4
pesos na mobilized
06:45.2
na total membership savings.
06:51.2
MP2 savings ay 46.5
06:55.2
higher than 2022. At
06:57.3
claim ko na yan, feeling ko talaga
06:59.1
maraming mga nakakapag-MP2
07:02.9
mga pag-promote natin.
07:07.1
housing loan take-out naman ay nasa
07:09.1
126 billion pesos
07:11.0
sa 7% higher than 2022.
07:18.6
ano yan? Bakit may pesos?
07:26.8
Worth 126 billion
07:33.1
Members with new or better homes.
07:35.2
Bakit naman may peso sign yan?
07:37.2
Okay. So, historical housing
07:39.4
loan take-out. Kung makikita natin,
07:45.1
At makikita naman natin talagang patuloy na
07:47.1
tumataas siya. 77.21
07:53.2
At yung number of borrowers
07:54.9
ay, hindi siya number
07:57.2
of borrowers. Anyway. So, yun.
08:00.0
Next time, pakicheck
08:01.1
ang aking mga deck kung ano mga linalagay
08:03.2
nyo, ha? Kasi ako yung
08:04.9
nagbabasa. The largest source
08:07.2
of home financing in
08:11.1
Ayan, ha? Ang pag-ibig po yan.
08:17.1
na na-release which is 10% higher
08:25.1
Wala pong fee yan.
08:27.2
Okay. 2% higher than 2022.
08:29.6
Okay. Sa kanan natin ito ipagpatuloy
08:31.1
at aayusin muna ni Florence ang deck
08:33.2
na ito kasi ako po ay medyo
08:39.4
So, announcement lang muna tayo,
08:41.5
ha? So, meron tayong
08:42.7
ano, no? Meron tayong
08:45.2
event this coming
09:01.5
I'm sure. Grumpy na.
09:04.8
Hindi pa, hindi pa active yung aking
09:07.0
isip. Kasi 8 days po
09:09.1
ako na nag-quill.
09:11.1
Tapos wala pa po ako tulog masyado.
09:13.3
Anyway. So, March 18 to 19, meron po
09:15.2
tayong second socialized housing
09:17.0
summit. So, kung gusto nyo pong
09:19.2
umatend, ay iscan nyo lang po yung QR
09:21.0
code na yan. Ako, nandyan po yung
09:22.9
pag-ibig ang ASA Philippines, which is
09:25.0
the largest microfinance institution, will also
09:27.0
speak. Tapos yung mga grassroots
09:29.1
organizations natin na nagkaroon
09:31.1
ng successful housing program
09:32.9
at sa cooperative sector, ay
09:34.9
magbibigay din po ng kanilang
09:36.8
mga, ano, no? Nang kanilang
09:43.0
kanilang mga experience. Okay?
09:44.9
Kung gusto nyo po umatend ng ating
09:49.2
ayan, iscan nyo lang po yan. Meron
09:55.6
March 9. Okay? Meron tayong
10:00.6
Learning Together to Leverage
10:03.0
Insurance for Financial
10:04.3
Freedom. So, kung gusto nyo pong mag-register, pumunta
10:07.0
lang po kayo sa bit.ly
10:11.2
Ayan. Or, ito, iscan nyo na lang
10:18.9
pag-usapan na nga natin itong
10:21.0
next natin, ano, itong
10:22.9
pag-uusapan natin ay
10:24.2
setting life goals and priorities.
10:27.4
At, ayan, para hindi na po
10:29.2
uminit ang ulo ko at hindi na po
10:31.4
grumpy, meron na kayong
10:33.2
in-invite ang aking co-host,
10:35.4
monthly co-host, suking-suki
10:41.5
Hello sa'yo, Alex.
10:45.6
Hello. It's good to be back.
10:47.8
Hindi halata na puyat ka.
10:52.9
Fresh mo, oh. Lakakainis.
10:56.3
Ano yan? Dry shampoo.
11:02.0
Ayan. Anyway, so pag-usapan natin
11:04.0
itong, ano, no, life goals
11:08.3
Kasi, of course, we know that you are
11:14.1
papano ba natin ito
11:16.2
ma-eco-communicate? Kasi minsan,
11:18.1
lalong-lalong sa mga OFWs, di ba,
11:20.7
sinasarili nila yung mga
11:22.9
nila, at parang pasan nila yung
11:24.4
daigdig na sila lang yung magka-carry out
11:26.5
nung mga goals na yun.
11:29.5
Diba? So, yun yung
11:30.7
gusto ko na pag-usapan natin.
11:34.8
Actually, itong setting life goals, kasi Alex,
11:40.2
steps in financial planning.
11:42.9
Kayo ba ng, ano mo, ng husband mo
11:44.6
ay meron kayong financial plan?
11:52.9
Isimulan ka lang. Okay. Guilty.
11:55.6
Sabi ko nga sa'yo.
11:57.1
In this episode, I will
11:58.9
tell you also about
12:00.7
yung vulnerabilities
12:05.0
I mean, kasi this is something that
12:06.7
I also personally struggle
12:10.7
I agree, sobrang importante ng tema.
12:13.3
So, pag-usapan natin siya.
12:15.3
Sige. So, ito kasi
12:17.0
ay, ano, no? So, yung steps
12:18.8
in financial planning. So, five steps yan.
12:20.7
Yung setting life goals and priorities.
12:22.9
Ay, nandito siya sa
12:24.6
second step. So, the first step is
12:26.9
to take a look at where you are financially.
12:29.3
Parang, tinitignan mo muna.
12:30.9
Parang, internalizing where you are. Tapos,
12:33.3
saan ka ba papunta?
12:34.9
Yun na yung setting life goals and
12:39.1
Yan. Okay. Pero, sa ikaw ba?
12:41.8
Of course, kayong mag-asawa.
12:43.3
Meron kayong napag-uusapan.
12:44.9
Ano ba yung inyong, ano, no?
12:46.9
Goal ninyong dalawa. Kasi meron
12:48.9
kayong anak, di ba?
12:51.5
The importante yan,
12:52.9
especially, sa lahat naman
12:55.3
ng families, no? May anak man
13:01.4
lalo na sa mga OFWs
13:03.3
na kaibigan natin, no? For those of you
13:05.3
who are following us. Importante
13:07.4
kasi, malaking aspect
13:09.4
ng buhay yung finances natin
13:11.5
and yung mga major
13:13.3
decisions natin are heavily
13:16.9
yung, kung ano yung nai-envision
13:19.3
natin for our goals,
13:21.3
for our financial goals.
13:22.9
Yung buying habits natin,
13:24.9
di ba? Napakalaking, ano rin yan,
13:26.9
factor sa relationships.
13:31.1
importante na alam natin
13:33.3
ano ba yung, saan ba natin
13:35.0
gusto pumunta? O ano ba yung priorities
13:39.1
sa atin? And ano yung priorities
13:40.8
natin bilang pamilya?
13:43.2
Correct. At saka, kapag, kaya actually
13:46.8
life goal ang tawag.
13:49.0
Kasi, kapag naggumagawa ng
13:50.6
financial planning, parang ginagawang
13:52.8
financial goals, parang magiging finance
13:54.8
all about pera lang siya
13:56.6
every time. Life goal
13:59.2
dapat siya. At yung pag tumitingin
14:01.1
tayo ng life goals natin,
14:04.8
personal dreams and
14:06.4
aspirations. It could be small or
14:08.8
big, it could be short term or
14:10.8
long term, at actually
14:12.8
it will dictate, gaya nga nang sabi mo,
14:14.9
di ba, how you will save, invest, or
14:16.9
spend, di ba? And
14:18.8
that's why I also use
14:20.8
the term life goal,
14:22.8
dahil nga, hindi lang
14:24.8
naman pera talaga yung gino-goal natin eh.
14:27.1
Kapag nag-ano tayo, nag-plano
14:28.9
tayo, we also, ang laki
14:31.0
nung time element dyan. And time
14:34.9
resource. Yung energy
14:37.2
din, katulad ko ngayon, di ba, medyo
14:43.4
Parang pinipili mo
14:44.8
talaga kung saan mo
14:46.4
ilalagay yung oras
14:48.9
mo, di ba? And kaya nga,
14:50.9
maraming salamat. Ikaw talaga, naglalagay mo.
14:52.8
Kaan ka ng oras para dito, every
14:54.8
month. At maski yung mga nanonood
14:56.8
sa atin, it's actually
14:58.5
a privilege na yung
15:00.9
oras nila ay inispend
15:02.8
nila sa atin, ano? So
15:04.7
yung life goal, dapat hindi
15:06.8
lang talaga yan sa
15:08.0
pera tinitingnan.
15:11.5
Ayan. So kayo ba,
15:12.8
anong name nga ni
15:18.7
Parang macho-macho
15:20.6
naman ni Giacomo.
15:22.8
Okay, si Giacomo.
15:26.1
Giacomo ay Italian, ha?
15:29.8
Okay. So si Giacomo
15:34.5
reminisce lang tayo.
15:37.7
magkakilala pa lang
15:39.9
kayo ganyan, ano yung mga binubuo
15:41.7
niyong dreams together?
15:46.3
since nung pumunta namin ako
15:49.1
wala pa akong specific
15:52.8
Parang ako, I was open
15:54.6
to the possibility of staying
15:56.6
or going back to the Philippines.
15:59.1
So yung talagang when we talk
16:00.9
about ano ba yung first
16:02.1
plans or first goals namin
16:08.1
ng buhay na magkasama.
16:10.6
Kasi that was the first big goal,
16:15.2
Mainly because, yun nga,
16:18.6
ako, lilipit ako dito and
16:20.5
all the other consequences na kasama
16:23.8
Yes. O tsaka titignan mo, parang hindi lang yun
16:26.4
pera eh, diba? May malaki yung
16:28.3
decision nun ng energy
16:30.6
na, oh, I want to spend my life
16:38.5
a lot more. Like you said,
16:40.5
it's not purely financial
16:42.5
kasi syempre iisipin ko,
16:46.1
all the years na ininvest ko
16:48.4
or what I have there,
16:50.6
you know, not just family, friends,
16:52.7
network, alam mo yun,
16:54.8
yung parang iisipin mo, okay,
16:56.7
papano ko gagalaw
16:58.3
if I make that choice?
17:00.7
Ano yung effect nun
17:04.6
past years ko? Kasi
17:06.5
like you said, you know, time nga is
17:08.5
our most important resource. So hindi pa
17:10.6
pwedeng cancel out yun.
17:14.5
Ayun. Tapos bumuha ko ng
17:15.8
framework on how to
17:20.3
your financial plan.
17:22.4
Ano ba yung mga uunahin natin?
17:25.6
Ano yung gagawin natin financially?
17:28.1
So meron akong tinatawag na pera progress
17:32.4
I'd like to hear your thoughts on this one.
17:36.1
Pera progress mastery natin, it actually
17:38.2
starts with self-mastery muna, no?
17:40.5
Ito yung pagkilala
17:41.9
at pagtanggap mo sa
17:43.9
sarili mo. Kasi kahit
17:46.1
gaano kalakas ang pagpasok
17:48.1
ng pera sa iyo, no?
17:50.6
ito yung pagkilala
17:52.4
pero kailangan mong
17:54.1
i-prove yung sarili mo sa
17:56.0
maraming tao, sa ibang tao pa.
17:58.5
Wala ka pang self-mastery, mapapagastos
18:00.3
ka pa rin yan, di ba?
18:02.1
If you're comfortable with your own
18:04.4
skin, you really don't have to prove yourself,
18:06.9
then makakadali ka.
18:09.4
So parang ganun siya.
18:10.6
And then yung second niya is
18:12.5
situation mastery.
18:16.1
sa emergencies o mga
18:18.2
di inaasahang bagay.
18:21.0
So kapag may mastery
18:22.3
ka na sa self, tapos pupunta ka na
18:23.9
sa situation. And then
18:25.7
third level pa lang yung
18:27.6
pera mastery, which is yung pagkakaroon
18:34.3
So ang sinasabi ko dito,
18:38.3
i-master mo muna yung
18:41.9
yung nasa paligid mo,
18:44.0
how you react to things.
18:48.0
mas ready ka, kapag pumasok na yung
18:49.9
pera, you know how to.
18:53.9
Yes. No, I like that framework,
18:56.3
Vince. And totoo ka,
18:57.9
the first step, I think, in anything
19:00.3
is really self-mastery.
19:05.5
kung hindi tayo kumbenside sa sarili
19:08.1
natin, you know, yung
19:10.0
sense of self-worth,
19:13.9
regardless of magkano man yung
19:16.2
pera na hawak mo,
19:17.9
wala, ano yan, parang yung financial
19:20.2
goals mo or life goals mo,
19:24.1
being compromised. Kasi
19:25.6
may mga tao na ganyan, diba? Unfortunately,
19:29.0
nakikita rin natin yan
19:30.5
sa maraming OFWs,
19:32.6
yung parang they use
19:34.2
money as a way of
19:36.0
validating yung self-image nila.
19:39.2
Yun yung nakakasira
19:42.8
slash life goals,
19:44.5
diba? Yung bang parang
19:46.0
tipong kailangan kong patunayan
19:48.3
na hindi nakikita yung
19:52.3
ibigayin ay mga designer
19:55.5
ito meron akong personal experience
19:58.4
ko din ito sa akin. Parang
20:02.0
nag-business class siya at
20:04.2
inutang pa niya yun.
20:05.5
So sinong nakakita
20:08.2
sa'yo na nag-business class?
20:10.4
Nag-selfie siya or
20:12.1
baka nag-live siya bago
20:13.6
nawala ng signal.
20:16.3
Parang yun eh, kailangan talaga
20:19.3
situation mastery. Tapos,
20:22.3
marami din kasing lumalapit sa'kin. Parang
20:23.9
minsan natatawa nga ako. Parang
20:25.8
uy, ano, saan ba magandang
20:28.3
mag-invest? Parang
20:29.9
sabi ko, okay, kailangan
20:32.3
pag ang first step kasi para sa'kin
20:34.4
alam muna natin kung saan mo
20:36.0
gagamitin yung pera para alam
20:38.2
kung ano yung yung yung bag. In the same manner
20:40.2
na kasi nasa passion ka, diba? Tatanungin.
20:43.0
Ano ba magandang isuot?
20:44.9
Syempre tatanungin mo man yung sa'yo
20:50.0
kailangan siya pupunta eh magbigay ka ng
20:52.3
Okay. E di wrong,
20:54.3
diba? Oo, misalign ka
20:57.5
Ganun yung sinasabi kapag i-invest.
21:00.4
So, kailangan, alam
21:02.2
muna natin kung saan natin
21:04.0
gagamitin yung pera. At kapag
21:06.3
ano na yan eh, at kapag tinanong ko na
21:08.1
actually, magpupunta yan sa life goal
21:10.1
and believe it or not,
21:12.2
maraming mga tao ang
21:16.0
kung ano yung priority life
21:18.2
goal nila. At kapag
21:19.9
tinatanong muna sila, napapaano sila?
21:22.0
Napapa, oo nga, no?
21:24.3
Hindi ko pa yan magtipan
21:26.0
masyado. Parang ganyan.
21:29.2
At saka parang ang dami-dami kong
21:31.7
ang dami-dami kong mo kasing iniisip
21:34.1
masyado tapos gusto mong pinag
21:40.3
So, yun. So, yung etong
21:41.8
next na ituturo pa ay kung paano
21:47.4
life goals natin. Okay?
21:49.8
So, as the communication
21:52.0
coach, we would like
21:53.9
your, ano ha, your
21:55.5
expert opinion on
21:57.4
this one. So, unang-unang
21:60.0
akong pinapagawa is ilista
22:01.7
yung kanilang mga problema
22:04.3
at saka yung kanilang mga
22:05.7
tinakatakutan, no? And
22:07.6
pag-i-lista natin yan, usually
22:09.6
nakalagay siya on the negative side.
22:12.3
Yes, that's true. Tapos,
22:19.8
ng positive equivalent,
22:22.0
yung kanilang problema
22:26.5
So, to give an example,
22:28.3
ito, no? Ito. So,
22:30.0
ano yung life challenge
22:34.1
So, isusulat mo yun. So, dapat nakalagay siya
22:38.7
So, parang ano siya?
22:39.8
Problem statement siya. So, kunwari, natatakot
22:43.9
maubusan ng pera ngayon
22:45.8
at sa pagtanda. Diba?
22:47.7
So, very clear na kinakatakutan
22:52.0
next na gagawin niya is gagawin niya yun na
22:54.1
positive statement. So, magkaroon
22:56.6
ng maraming pera ngayon
22:58.5
at sa pagtanda. Usually, inaano ko lang eh,
23:00.6
baliktarin mo lang yan. Yes.
23:03.9
positive at maging obvious.
23:06.7
So, pero pag titignan mo na,
23:08.2
ah, okay. So, ang gusto mo pala
23:10.1
na life goal ay comfortable
23:11.8
retirement. Diba?
23:17.0
process na ginagawa.
23:20.8
Is this something you think?
23:22.0
Do you think na workable?
23:24.8
Absolutely, Vince.
23:26.0
Actually, ang tawag natin dyan,
23:30.0
goals and versus avoidance
23:32.4
goals. Diba yung sinasabi mo na negative
23:34.2
statement, yung ayaw
23:36.1
kong magka, yung ganun,
23:38.0
yung expression of fears, yun yung
23:40.0
tinatawag natin na avoidance goals.
23:44.3
pero mas madali nga for brainstorming
23:46.6
yung tanong, ano yung mga problema mo?
23:48.2
Ano yung mga kinakatakutan mo?
23:49.6
And then, usually, yun yung
23:51.6
tendency, isusulat natin in that sense.
23:53.9
Ayoko magkautang, ayoko na
23:55.7
may magkasakit sa
23:57.5
pamilya or magkaroon ng ganyang emergency.
23:59.9
Pero, totoo, yung sunod
24:01.8
na step doon is to flip it
24:05.2
approach goals, meaning ano yung
24:07.0
positive na gagawin mo
24:09.1
para positive ang outcome.
24:12.0
So, that's actually a very
24:13.5
powerful strategy
24:15.7
kasi once you see it
24:17.7
on paper na parang, ah, okay,
24:20.0
ito yung kailangan,
24:21.6
kung gawin, ito yung gusto kong
24:23.6
gawin. Actually, even that, yung
24:25.6
sa English, you know,
24:27.3
I have to, I must.
24:29.6
O sa Tagalogin natin, kailangan kong
24:33.6
minsan, yung iisipin mo palaging
24:35.7
puno ng responsibility, kailangan
24:37.8
mong gawin to. Sabihin natin,
24:39.7
gusto ko, gusto kong magka
24:41.9
bahay by this time
24:43.8
or gusto ko nang mag-retire
24:45.6
comfortably by this time. So, you know,
24:47.9
nag-iibakadod siya.
24:51.6
At, pag ginagawa ko
24:54.4
nga ito, pag, ano,
24:56.2
ng trainings, ang lagi kong sinasabi ay
25:00.1
yung positive statement
25:02.0
at in-imagine mo siya,
25:04.0
pag pinikit mo yung mata mo,
25:06.0
napapangiti ka ba? Kasi kung hindi,
25:08.6
parang hindi inspiring yung
25:11.7
Totoo yan. Alam mo kasi, Vince,
25:14.4
meron tayong, ano, may tendency
25:18.1
takot tayong mangarap.
25:20.1
Yung ayaw natin mag-declare
25:21.9
ng big dreams and big goals
25:23.9
kasi iniisip natin, ay, shocks,
25:25.8
unrealistic, ayoko naman
25:27.8
i-share kasi baka sabihin ng mga tao
25:31.7
namang mangarap. Pero, dapat ganun
25:33.8
diba, pag goals? Kasi if it
25:35.9
doesn't inspire you,
25:37.5
it means at a certain point, pag
25:39.7
pagod ka na, titigil ka. So,
25:41.7
tama yung approach mo. Kailangan
25:44.0
napapangiti ka pag
25:45.6
vinesualize mo yung goal na yun.
25:48.2
Actually, ang lagi kong sinasabi,
25:51.6
kasi parang maraming
25:53.5
nahihirapan mag-save. Ang sabi ko,
25:55.5
kasi siguro, yung iniisip mo
25:57.9
na pinagpag-iipunan mo
25:59.7
is something that doesn't excite you.
26:03.7
yung pinag-iisip yan mo
26:05.5
ay something that excites you,
26:07.3
nako, hindi ka lang magsasave,
26:10.0
hahanap ka pa ng paraan
26:11.9
para magkaroon ka ng additional income
26:13.4
para mapabilis na mangyari.
26:15.4
I'll tell you a quick story.
26:17.3
Meron akong friend na,
26:19.8
I belong to the LGBTQIA+.
26:21.6
Ha? Bakla ka pala, Sir Vince?
26:26.1
Alam naman na marami yun.
26:27.8
Hindi. So, sa LGBT
26:29.2
na community, yung mga,
26:31.6
may isa kaming kaibigan
26:37.8
tulungan mo naman ako kasi
26:39.3
meron talaga akong gustong pangarap.
26:41.8
Ano ba yung pangarap niya? Gusto niyang magkabulos.
26:46.8
Uy, okay yan. Kasi, sabi niya,
26:49.2
talagang matagal ko ng pangarap.
26:52.9
Pagkano? So, sabi niya,
26:54.4
kapag Class B dito sa Pilipinas,
27:04.3
300,000 pesos daw.
27:06.4
Sabi ko, na-curious nga ako.
27:09.0
Sabi ko, ano yung kaibahan ng Class A?
27:10.9
Oo nga. Actually, yun din yung tatanong ko.
27:19.8
ay yung Class B daw,
27:21.4
kapag pinindot mo,
27:23.0
hindi agad bumabalik.
27:33.5
So, kung yan yun,
27:34.5
i-breakdown natin siya, ganyan.
27:36.9
So, kung yan yung life goal mo.
27:40.4
isisave natin yan.
27:43.2
ilalagay natin sa ganitong investment
27:45.6
para secure and secure.
27:46.8
Actually, sa MP2 namin
27:48.2
So, yung MP2 namin,
27:50.4
Nilagay namin dun sa MP2.
27:52.5
Tapos, siya ngayon ay,
27:54.7
parang sabi niya,
27:59.5
kapag pumapasok ako sa office,
28:02.1
naku, galit na galit.
28:03.4
Ayaw kong pumapasok sa office
28:05.2
dahil nga kaaway niya daw yung
28:06.6
mga katrabaho niya.
28:10.1
ginawa namin ng plano
28:11.4
at yun yung goal ay magkaroon na siya
28:17.5
kahit na pinapagalitan pa ako
28:20.0
ng team leader ko,
28:23.5
Nakakitipa rin siya.
28:26.0
So, parang ganado na daw siya
28:37.6
taking from that example,
28:42.0
the more specific we are,
28:44.0
Minsan, sasabihin mo,
28:45.3
gusto ko makapag-retire,
28:49.6
push yourself further.
28:50.9
Ano ba yung itsura
28:52.0
ng comfortable retirement sa'yo?
28:56.1
gusto kong magpatayo ng bahay,
29:02.0
the more you see it,
29:03.9
mas nararamdaman mo.
29:05.5
And feelings really move us into action.
29:08.1
kagaya nga nung kaibigan mo,
29:11.0
na kahit pinapagalitan siya,
29:12.5
parang hindi na tumatalang.
29:14.6
ang lakas-lakas mong
29:18.5
to pursue that goal.
29:21.1
alam mo nung sinabi mo yan,
29:22.3
naalala ko yan eh,
29:23.8
ang nagsabi niyan sa atin
29:24.9
ay si Juan Canapi,
29:26.6
words become worlds.
29:32.8
nagpa-prophesize ka
29:36.3
situation master,
29:37.6
self-mastery yan.
29:42.3
sino pa yung maniniwala sa'yo?
29:43.5
Sino ba maniniwala sa'yo?
29:48.8
nung tinignan natin
29:49.6
ano ba yung mga common
29:54.5
what makes you happy?
29:55.5
So, yun yung tinatanong natin usually.
29:57.5
comfortable retirement,
30:00.7
education of your friend,
30:02.3
capital for business,
30:15.4
yan yung top 5 talaga
30:27.0
now alam mo na kung ano yung
30:29.3
yung next step is
30:38.5
tas yung education
30:43.7
kasi pag may nagkasakit
30:44.9
dyan sa Pilipinas,
30:51.5
parang na-overwhelmed
30:55.3
parang iniisip mo,
30:58.3
pagtatanongin mo dito,
30:59.8
gano'ng katagal ka pa dito?
31:01.5
may bala ka na ba?
31:04.2
Kasi sa totoo lang,
31:08.5
Parang alam nila,
31:09.5
kailangan ko mag-save,
31:10.5
pero hindi ko alam
31:11.1
actually kung magkano.
31:15.2
nakaka-paralyze siya
31:17.8
hindi mo nararamdaman
31:19.2
kung lumalapit ka ba
31:24.8
ang kailangan din talaga
31:30.0
lalagyan mo ng presyo
31:31.3
yung mga life goals mo
31:32.6
para hindi ka forever doon.
31:36.8
Pag nilagyan mo kasi
31:39.8
hanggang saan yung katapusan.
31:41.4
kung ang katapusan
31:42.1
eh walang hanggan,
31:43.6
hindi ka na-upo eh
31:51.5
sa pagpaprioritize
31:55.3
gusto kong sabihin.
31:58.1
si Warren Buffett kasi
32:03.5
pinapalista niya lahat
32:06.9
tapos ang sasabihin niya sa'yo
32:11.8
pumili ka ng pinaka-importante dyan.
32:13.6
Ang sasabihin niya sa'yo na
32:20.2
are distractions.
32:21.9
Yan yung chika ni Warren Buffett.
32:26.3
ang ginanaw ko nga is
32:36.2
para magawa mo siya,
32:39.4
kasi kapag pinagsasabay-sabay
32:45.7
walang sense of accomplishment
32:47.9
kasi hindi siya natatapos.
32:53.6
lalong-lalo na sa mga
32:54.5
overseas Filipino
32:59.8
ng pagpapagawa ng bahay,
33:01.1
nagpapaaral sila,
33:02.3
naghuhulog sila ng bahay,
33:03.7
naghuhulog silang sasakyan.
33:05.3
Lahat yung nagsasabay-sabay,
33:13.9
parang nagkasakit ka na
33:15.7
ang dami-dami mong
33:16.4
lahat na nang possible
33:23.8
multiple goals mo.
33:30.0
sinabi mo, Vince.
33:34.7
Marami kasi sa atin
33:36.2
yung feeling natin,
33:38.8
guilty rin ako dito.
33:41.8
was my superpower.
33:44.9
pag nag-multitask
33:49.2
nating distractions
33:52.3
kasi limited lang
33:53.5
yung energy natin.
34:06.2
to conclude anything
34:15.7
ang isa namang way
34:16.6
to address this is
34:18.1
kung marami ka talagang
34:25.3
paghatian yung mag-asawa,
34:28.3
nakatoka dito sa bahay
34:31.5
pang matayo ng bahay.
34:37.7
pero focused pa rin
34:42.8
I think ito naman
34:44.9
being in the management
34:46.5
background ko naman,
34:48.5
yun yung pwede mong gawin.
34:49.6
You can multitask,
34:52.6
you do that by delegating.
35:01.7
yung mga OFWs din,
35:04.1
if you intend to help,
35:13.1
yung mga tulong-tulong,
35:16.3
hindi nyo na ibabudget eh.
35:20.3
it's fit din siya.
35:23.8
yung masakala pa dun,
35:25.3
yung hindi na nga siya nakabudget,
35:27.1
siya pa yung nakasira dun sa
35:32.2
hindi nasiset from the beginning na,
35:35.0
ito yung priorities ko.
35:36.9
tuloy pag may nangailangan.
35:39.1
I don't have anything against
35:40.6
people helping other people,
35:43.4
lalong kamag-anak,
35:47.0
sabihin na natin yung totoo,
35:48.2
meron talagang mga naka-abuso.
35:52.1
it has to be budgeted.
35:54.4
hindi pa pwedeng,
35:57.0
kaya ko pa naman,
35:59.2
bahala na babawin na lang ako next time.
36:01.2
Hindi pwedeng ganun eh.
36:04.4
yung sarili mong life goal
36:06.4
ang nasasakripisyo.
36:16.5
ng limit ng budget
36:17.7
kung talaga tayo ay merong
36:19.2
gusto nating tumulong.
36:21.0
hindi naman masama yun.
36:23.1
ihanda na natin yung sarili natin
36:31.0
o mga requests sa atin.
36:32.9
And that is through
36:38.4
matiwasay na retirement,
36:40.7
sa sarili mo ngayon pa lang
36:42.2
at i-convince mo na.
36:43.9
kasi gusto mo nang magandang
36:46.3
na hindi mo na inakalala
36:47.6
yung pang-araw-araw,
36:49.4
kapag may nangutang sa'yo
36:58.8
nagsasabihin mo na,
37:01.3
kasi pinag-iipunan ko
37:02.9
ang aking retirement
37:04.0
dahil ayokong mag-alala
37:09.3
karguhin yung retirement ko
37:19.0
kapag naka-ano yan,
37:19.9
kapag nakapila yan,
37:22.7
ang isang explanation ay
37:23.9
mapagtapos ko yung mga
37:25.0
goal mo mapagtapos
37:27.7
ang explanation niyan ay
37:34.8
ang sasabihin mo ngayon
37:46.7
responsibilidad ko yun.
37:49.5
kung oo-utang pa yun
37:54.9
Totoo yan, Vince.
37:58.9
yung mga kaibigan natin
38:03.2
wala silang choice.
38:12.8
kasi hindi rin siguro
38:14.7
yung financial goal nila.
38:19.5
hindi nila masabi.
38:21.9
may problema doon.
38:23.2
Kasi kung hindi mo
38:24.0
siya kaya sabihin,
38:31.1
o yung pamilya mo.
38:35.8
at a certain point,
38:37.6
nagsasama talaga yung loob
38:39.1
kasi may mga ganong tao.
38:43.1
pag-aaral ng anak mo,
38:51.2
yung technique nila sa'yo,
38:52.4
kasi gini-guilt trip ka nila,
38:54.1
pinag-concept ka nila,
38:55.6
mag-aludahan mo rin.
38:57.3
I-guilt trip ka rin sila.
39:02.5
yung response mo.
39:03.6
Kasi usually naman,
39:14.6
kung klaro sa'yo,
39:16.2
ito yung pinag-iipunan ko.
39:18.6
at least sabihin mo yun
39:21.3
gamitin mo nga rin yung
39:25.5
hindi talaga pwede.
39:28.5
ang ginagawa ko rin ay
39:34.2
ma-summarize siya,
39:35.7
ang usual na ginagawa ko
39:36.8
ay nagpapakraft ako
39:38.5
mission statement.
39:42.5
Bibigyan ko lang sila
39:45.4
ang aking mission statement ay,
39:48.8
and to be an instrument
39:56.1
at maging instrumento
40:08.3
yung mission statement,
40:09.3
kasi dyan manggagaling lahat,
40:14.0
personal mission mo?
40:16.9
bakit ka ba yung dito sa mundo?
40:18.4
Ano ba yung mahalaga para sa'yo,
40:21.8
legacy na gusto mong iwan?
40:26.2
pag na-answer mo yung
40:29.9
everything else will follow.
40:32.1
kung hindi malinaw yung
40:33.7
personal mission mo,
40:40.5
So, actually kami po ni
40:42.4
Alex ay mga volunteer faculty member
40:45.9
sa Ateneo OF Life program, ano?
40:49.2
At mayroon po ngayon
40:53.1
Ateneo OF Life program
40:55.5
na registration sa Hong Kong.
41:00.2
Overseas Filipinos Leadership,
41:03.1
Financial Literacy,
41:04.2
and Social Entrepreneurship.
41:08.4
ay i-empower yung Filipino
41:10.5
migrants and their families
41:12.8
financial literacy,
41:13.9
and social entrepreneurship
41:16.4
Ilang batch na ba tayo?
41:17.6
Hindi ko na rin matandaan eh.
41:25.7
Galing ako dun sa General Assembly
41:33.2
Kasi sa iba't-ibang bansa po yan.
41:35.8
At ito ay sinimulan sa Rome
41:40.5
if I'm not mistaken.
41:46.8
So, ang isang goal din dito
41:48.9
overseas Filipinos
41:51.2
and reintegration
41:52.2
back to their families
41:56.3
almost 4,500 graduates na
41:58.7
from 26 countries
42:01.5
in the Philippines.
42:04.1
So, kung gusto nyo pong umutin,
42:06.1
ang program natin
42:09.5
two Sundays per month
42:11.4
from April to September.
42:15.7
pinapapunta ako dyan eh
42:18.7
kung pumupunta nila
42:20.8
So, ang registration
42:21.9
to reserve your slot
42:24.0
is 200 Hong Kong dollars
42:26.4
and ang buong course fee po
42:29.6
ay 1,000 Hong Kong dollars.
42:32.5
Payable yan in three months.
42:35.5
May gives pa sila.
42:37.4
At registration ay
42:45.8
Central Ferry Station
42:50.6
Meron bang susunod na nito
42:54.8
Siyempre, ako nagpag-ubalian.
42:55.2
We're talking about it
42:57.5
kasi ang daming requests, Vince.
42:59.6
Nakakatuwa nga eh
43:00.6
kasi, alam mo yun,
43:01.9
pag kumakalat yung news
43:03.6
na ito yung ginagawa natin,
43:06.3
natutuwa yung mga tao.
43:07.7
The reception is always
43:09.9
So, may ibang cities,
43:11.5
may ibang countries
43:12.4
na nagre-request din.
43:14.6
Ngayon, since, yun nga,
43:16.5
kailangang pag-usapan
43:17.8
para ma-organize ng ayos
43:20.3
iba-iba tayong time zone.
43:21.9
So, medyo tricky siya.
43:25.7
Napupuyat ako niyan
43:26.8
kasi usually, ano eh,
43:28.8
hapon nag-uumpisa.
43:34.8
session ng alauna
43:36.2
ng madaling araw.
43:37.1
Pero, okay lang naman.
43:37.9
Happy-happy pa rin.
43:42.9
Kasi, siyempre, live tayo.
43:44.7
May doorbell lang.
43:48.5
Babalik ako agad.
43:53.6
meron din po tayong event
43:57.9
Socialized Housing Summit
44:02.1
sa March 18 to 19.
44:05.3
Meron din po tayong
44:09.7
learning together
44:10.5
to leverage insurance
44:11.8
for financial freedom
44:13.4
sa March 9 po yan.
44:15.0
So, kung gusto nyo pong umaten,
44:16.8
i-scan nyo lang po
44:18.3
yung ating ano, no?
44:19.1
What you will learn here,
44:20.6
equip with skills
44:21.8
to wisely navigate insurance,
44:24.8
choices and risk,
44:26.7
may i-promote natin
44:28.2
not-for-profit insurance,
44:29.9
mag-allocate for BTID,
44:31.9
at huwag tayong mag-VUL.
44:34.2
Ituturo po po yan
44:36.6
Foster appreciation
44:38.8
and risk management.
44:39.7
At i-highlight din natin
44:40.7
ang ating government's role
44:43.9
Yung ating webinar delivery,
44:52.6
Tapos, after that,
44:53.4
mayroon pong online course
44:56.7
Kung kayo po ay interested,
44:59.0
This is the QR code
45:17.1
ang inyong financial guru
45:18.7
nagsasabing ang pagyaman
45:21.0
at napag-tutulungan.
45:27.7
naiwan natin kanina
45:28.8
mga batian portion
45:31.4
ang dami ng mga bumabati
45:32.9
Gusto nyo pong mag-shoutout,
45:34.7
ilagay nyo lang po
45:37.8
Ang pangalan dito,
45:40.3
kailan daw makikredit
45:42.5
yung dividend ng MP2?
45:44.6
mga late March yan.
45:49.1
Hello sa'yo, Alfie.
45:51.3
good evening din sa'yo
45:59.6
Nasa Riyad naman si Madel.
46:05.4
nagkakonggrat sa atin.
46:06.2
Nagkakonggrat siya
46:17.8
nagkakonggrat din.
46:20.5
watching from Malaysia.
46:33.0
from New Zealand,
46:42.0
Nasa Netherlands naman si Jeanette.
46:51.6
Watching from Singapore,
46:55.6
Chinese character.
47:02.6
Hello po sa inyong lahat.
47:03.9
ang dami pang mga anong pang
47:06.6
Ito lang mga huli.
47:15.8
Random na lang ito, ha?
47:33.5
get in touch with you?
47:35.7
Kung gusto nilang magpa-coach
47:46.4
Nandito na pala there.
47:48.5
You can reach out to me
47:55.4
You can send me a message
47:57.9
and I'm also on YouTube.
48:03.6
So, thank you, Alex.
48:05.0
And we will see you again
48:09.6
Ano ba next month?
48:10.6
Baka next, next month
48:11.6
para makaka-schedule
48:16.1
ng tanong sa'yo eh.
48:17.0
Kailan ba kayo pupunta?
48:19.8
Naku, ngaalalaan ako
48:20.9
pa yung schedule.
48:22.5
ng schedule ni Edwin
48:27.4
We'll talk after this.
48:29.6
Thank you, thank you.
48:32.3
Thank you so much.
48:35.7
So, pag-uusapan naman po
48:42.4
At natawagin po natin
48:43.5
ng napakagandaan,
48:45.8
na executive director
48:47.2
ng Zedby Foundation
48:49.2
Florence Adviento.
48:52.1
Hello sa'yo, Flo.
48:53.5
And take it away.
48:58.1
is mag-a-update tayo
49:18.7
syempre mag-member
49:39.3
nakikita na po ba
49:40.5
yung aking slide?
49:46.2
pag-uusapan natin
49:49.9
and then property
49:54.7
ano yung performance
50:03.6
project to support
50:43.4
and business spaces
50:48.7
alternative investment
51:35.0
of the net income
51:43.9
property management fee
52:06.1
For your investment.
52:18.4
legal and financial
52:35.1
natin i-contribute
52:44.8
yung contribution
52:55.0
yung inyong contribution,
53:41.6
rental collection.
53:43.3
This will be credited
53:49.0
or yung earnings nito,
54:01.7
nasa wallet natin,
54:12.4
dito sa Marsan 2?
54:25.6
construction phase
54:33.9
nakastart na tayo
54:34.9
yung makapag-renta
54:37.4
yung earnings nito
54:43.2
yung bubuksan natin
54:53.6
it will immediately
54:54.5
earn rental income
55:02.0
dahil meron po tayong
55:19.6
at mag-contribute
55:23.1
ang tinatawag natin
55:36.8
rental collection
55:47.8
property management
56:36.4
1 million na ito,
57:41.0
property management
59:16.6
ay nag-i-increase
59:39.8
rental collection
59:47.5
property management
61:08.1
terms and conditions
61:36.7
property management
61:46.5
na holding period,
61:48.4
na pre-termination
61:51.1
before the 2 years.
62:38.5
initial membership
63:16.9
i-follow nyo lang po
64:18.5
through Facebook.
00:00.0
01:05:33.260 --> 01:05:34.360
65:34.4
At anong ibig sabihin
65:36.3
ay ang pambansang
65:44.3
direct developmental
65:56.0
Mayroon naman pong
66:05.8
250 billion pesos
66:13.2
ang kanilang chairman
66:20.9
San ba nang galing
66:24.4
So nakapag-mobilize
67:00.0
Ang pag-ibig po talaga
67:01.0
ang largest source
67:01.8
of home financing
67:03.0
in the Philippines.
67:06.1
59.32 billion pesos
67:13.1
which is 10% higher
67:26.9
ang loan payments
67:45.7
kung titignan natin eh
67:53.9
dividend rate natin.
67:56.7
pinaka-happy talaga
67:59.3
11 consecutive years
68:07.5
sa commission and audit.
68:09.0
wala pong nakitang
68:17.8
na kasindak-sindak
68:22.0
at financial statements
68:24.8
happy-happy talaga ako
68:29.9
Ang total assets po
68:32.9
825 billion pesos na.
68:39.8
Ang gross income po nito
68:47.9
at ang net income po niya
68:50.5
49.79 billion pesos
69:14.5
na dividendo niya
69:26.6
regular savings one
69:27.7
ang dividend rate po niya
69:33.5
MP2 savings naman po
69:55.9
Makikita natin siya
70:03.5
on the black siya.
70:04.4
Kapag black kasi sa finance
70:06.2
ay maganda yung performance
70:07.3
yan, hindi negative.
70:08.6
Kung i-compare mo naman
70:10.3
ayan no, daming negative.
70:15.6
dahil meron siyang ganyan
70:20.0
nakundami naman niyang
70:22.1
So what does that mean
70:25.5
in terms of numbers?
70:28.0
ng 1 million pesos
70:40.6
1.9 million pesos
70:48.6
yung 1 million mo
70:50.6
taas-baba nga siya
70:54.9
So kung ako talaga
71:00.3
Ang housing loans
71:07.0
at kapag affordable
71:07.8
housing loan naman po
71:08.7
yung kukunin natin
71:10.3
below 800,000 pesos
71:12.8
Ayan yung housing
71:18.3
At 3.8 million na
71:20.1
ang nagda-download
71:23.8
kaya napaka-happy
71:47.9
Sa partners na yan
71:48.8
sa partners na yan
71:54.6
umaten sa webinar
