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00:00.0
Ang malaking bagay na nakishapes sa aking pag-iisip ay
00:03.4
may mga bagay na mas mahalaga sa pera.
00:05.7
Gusto mong kumita?
00:06.8
Siguraduhin mong ayusin mo muna yung reputation mo.
00:09.7
Gusto mong maging success mo sa business?
00:11.8
Dapat pinakakatiwalaan.
00:14.1
Hanggat wala tayong sariling bahay, wala tayong dignidad.
00:18.1
Isa sa mga pinakamalaking tradition or Asian culture na napulot ko
00:23.1
ay paggalan sa iba.
00:25.1
Malaking bagay yung natutunan ko sa kanila
00:27.3
na pag pera mo, pera mo, pera ng iba, hindi mo pera yan.
00:30.4
Huwag kang gagalawin at huwag kang magnanakaw.
00:32.9
Pag ikaw umutang, bayaran mo yan.
00:35.0
Hindi mo pera yan.
00:36.4
Kaya importante na kailangan na pangalagaan po natin yung ating pagkatao.
00:41.4
Hindi lang reputation eh.
00:42.7
Kasi pag inalagaan mo yung pagkatao mo, the reputation will follow.
00:45.4
Pag sobrang ipon naman ako at sa sobrang consciousness ko sa pag-iipon,
00:51.8
maapektuhan ngayon yung risk-taking factor ko.
00:55.4
Hindi rin maganda sa negosyo yan.
00:57.4
Again, I was reminded nung, yun nga, nag-assist pa ako sa iyo.
01:00.7
You always say, your way of thinking will dictate your way of living.
01:04.0
Pero yun yung importante, alam mo, I think it brings you so much joy
01:07.1
yung with the idea of success without a successor is a complete failure.
01:11.0
The only thing I can leave to them is to build their entrepreneurial skills.
01:16.6
Dahil galing ako sa hirap, hindi ako makapapayak niyo.
01:20.4
Ano ko ay makaralas din ng hirap.
01:22.5
Ang sagot ko sa kanila, congratulations, you just destroyed your children.
01:27.3
Eh, kaya ka nga, ungaseso, galing ka sa hirap eh.
01:30.6
Eh, ngayon magaling ka na lahat, gagawin mo komportable yung anak mo.
01:33.7
Paano matututuyan?
01:35.3
Ang turo ko nga sa akin, mga anak ay, hindi nabali-hubi tayo.
01:38.5
Huwag lang pasira yung repetition.
01:40.3
Just when the pieces seem to be falling apart,
01:43.7
it may be God's way of putting the pieces in its rightful place.
01:51.1
Hi there, mga kaipunaryos.
01:52.7
This is Chinky Tan, your Pambansang World Coach.
01:54.5
Sa episode natin na ito, sobra akong excited.
01:57.3
Tapos, yung kakausapin po natin ay isang naging malaking bahagi ng aking buhay.
02:01.8
At itong tao na ito ay talagang nagbigay sa akin at nagpanganak sa karir ko
02:06.2
bilang isang manunulat at at the same time isang tagapagsalita.
02:10.1
Kaya, huwag na natin patagalin.
02:12.3
This person needs no introduction.
02:14.8
He's been a speaker for over, I think, 3 to 4 decades already.
02:18.4
On top of that, he has already authored over 20 plus books.
02:22.1
Then, let's welcome, no other than Mr. Francis Kong Palakbakan.
02:27.3
Thank you, thank you, Chinky.
02:29.0
Alam mo, yung introduction nga, meron lang akong i-correct na po.
02:31.9
Hindi ako nanganak sa kanya.
02:34.1
Karir, hindi siya.
02:36.2
Not only that, talagang malaking talaga.
02:39.2
I really owe this career to you.
02:41.0
So, right now, I just want to really ask you, no?
02:44.5
And syempre, you're Filipino-Chinese just like me.
02:47.1
I just want to ask you, how does your background, yun nga, being a Filipino-Chinese affect your views on money?
02:54.6
Yung paano ka pinalaki ng parents mo?
02:57.3
Hindi lamang sa pagpapalaki ng parents, kung hindi yung understanding of serving the Chinese community.
03:04.2
At nakakatuwa nga nito, yung pagiging ethnic Chinese ko, but I'm Filipino,
03:11.3
ang views ko ay hindi pera.
03:13.9
The views are more concentrated on the importance of things before makarating sa pera.
03:21.0
Halimbawa, ang malaking bagay na nak-shape sa aking pag-iisip ay,
03:25.0
may mga bagay na mas mahalaga sa pera.
03:28.3
May siguruhin mo, ayusin mo muna yung reputation mo.
03:31.2
Gusto mo maging successful sa business?
03:33.8
Dapat pinakakatiwalaan ka.
03:36.4
Yung Chinese kasi, meron tayong tinatawag na the bamboo network.
03:41.7
Ang tawag dyan, ito yung network ng Chinese to Chinese.
03:45.8
Makakalaban sa negosyo yan, pero makakaibigan yan.
03:48.9
Mali lang ang mundo sa kanila.
03:50.7
Nag-uusap-uusap sila, lalong-lalong na kapag nakakaroon ng problema.
03:54.9
So, isang tawag lang yan.
03:57.3
Pare, huwag ka magtiwala dito.
03:59.8
Kasi niloko ako, tapos ka na.
04:01.8
So, isa sa mga pinakamalaking bagay na natutunan ko sa aking views in doing business
04:08.0
is you have to protect your reputation and credibility.
04:11.3
And secondly, syempre nandun na rin yung nakakasawa magpakinggan.
04:16.3
Pero ito na yung hard work.
04:18.0
Hard work, isa sa mga hindi mawawala sa Chinese-originated way of doing business
04:24.7
is hindi na bali mura.
04:27.3
Pero over time, nagbabago rin yung views na nila.
04:31.1
Pero yun ang nakikita nila.
04:32.6
How do you reach out?
04:34.5
Siyempre, modern times, hindi na yun.
04:36.6
Basta mura at may kita.
04:38.3
Pero ngayon, ang tawag natin, scale.
04:40.3
How do you scale your business?
04:41.9
And yan, make a profit.
04:43.3
So, nagbabago rin yan.
04:44.6
Pero yun ang mga fundamentals.
04:46.6
So, yung una yung sinasabi mo talagang napakahalaga is
04:49.6
reputation muna bago pera.
04:52.1
Na madalas, diba, yung nabubulag ang mga tao.
04:56.2
With regards to opportunity.
04:58.6
At ang dami nating naririnig na mga kwento na magkakaibigan,
05:02.2
magkakamag-anak, nasisira.
05:03.9
Oo, hindi lamang yan.
05:05.4
Money changes people.
05:08.0
Pabuti pa ngayon, nag-uupisa ka, wala pa kayong pera.
05:10.7
Halimbawa, business partners mo, hindi makasama kayo.
05:14.2
Habang kung kailan sumisikat na yung negosyo mo
05:16.2
at lumala kayo na yung negosyo mo,
05:18.3
nagbabago yung tao.
05:19.5
At yung pagbabago yan, hindi lamang pera na naman all the time.
05:22.9
Isang malaking bagay dyan na nagbabago ng pananaw,
05:26.1
ng tao, partner mo, ego.
05:28.3
Sumika na yung business.
05:29.5
Bakit puro itong partner ko ang nakikilala?
05:33.0
So, yung mga bagay na yun pumabasa.
05:35.1
Kaya, isa sa mga pinakamalagang napag-aralan ko.
05:38.1
At hindi lahat ng Chinese family business pareho.
05:41.3
Maraming kakasalan ng ganyan.
05:43.7
Pero, isa sa mga na-pick up or
05:45.8
isa sa mga pinakamalaking company ngayon
05:48.0
na ako yung kabahagi ngayon ng kanilang board,
05:50.3
limang makakaibigan,
05:52.0
high school, classmates, yung iba.
05:54.1
For 40 years na sila,
05:55.8
lima pa rin sila.
05:58.2
So, para sa kanila,
05:59.7
malugi na tayo, sama-sama, okay.
06:02.2
Gumita tayo, parte-parte tayo, okay.
06:05.6
Pero, walang sisiyan, walang yabang,
06:08.4
sama-sama tayo dito.
06:11.4
Pinag-aaralan ko, ano ba yung success model nito?
06:13.9
Ano ang failure models nito?
06:16.3
So, yun ang mga napipick up ko.
06:19.0
So, siguro isa pa, no?
06:20.2
Yung parang, yung culturally ba,
06:22.7
yung sa Filipino-Chinese.
06:24.6
Ako, naalala ko nung nag-uumpisa pa ako eh, diba?
06:28.3
Yung pag nag-uumpisa isang bata,
06:30.2
yung sumusuporta, yung just like
06:31.8
when I was starting in 2008,
06:33.9
you supported me eh.
06:35.3
Kasi, diba, compare sa ibang,
06:36.8
yung mga ibang kultura,
06:37.9
pag may nag-uumpisa,
06:39.4
imbis na tulungan,
06:40.5
eh, sinisiraan at dinidiscourage pa.
06:43.3
Is that a cultural thing also?
06:45.0
Ang sagot ko dyan,
06:46.5
benavides at misericordia.
06:48.9
Para sa mga bata,
06:50.1
hindi na nila naiintay niya.
06:51.8
Noong araw, pagbibli ka ng auto parts,
06:55.4
isa lang pinupuntahan mo sa
06:56.8
sa downtown Tondo,
07:00.3
called misericordia.
07:01.5
Ito na nagbibenta ng bearing,
07:03.1
ito na nagbibenta ng tabucho,
07:04.7
ito na nagbibenta ng ano,
07:06.1
pag tinrace mo yung family tree na mga yan.
07:09.4
Ito pala, dati nagtrabaho dito,
07:11.5
ito pala, ang boss niya ay yung kapila.
07:13.8
Pero mag-away-away yan.
07:16.2
So, ito naman ay walang kinalaman
07:18.7
kay Pinoy ka o Chinese eh.
07:20.5
Pero ito may kinalaman sa
07:22.3
kondisyon ng puso yan.
07:25.5
2008 ka ba nagsimula sa career?
07:27.7
2008, look at where you are now.
07:30.1
Pero you still remember
07:31.8
kung paano ka nagsimula.
07:34.2
Eh, hindi lang naman ikaw ang minentor ko eh.
07:36.7
Yung iba minentor ko,
07:38.0
binigyan ko pa ng pakakatulong sa negosyo,
07:40.2
eh, bukod sa dinaya na ako,
07:42.3
inaagaw pa yung mga customer ko.
07:44.4
So, Pinoy ba siya?
07:46.9
Let's not deal with that.
07:49.0
Irrelevant yan eh, yung puso eh.
07:51.2
So, ibig sabihin,
07:53.0
ang isang nakuha ko,
07:54.6
ay maraming mga nagumpisas
07:57.3
na nagtrabaho sa isa,
08:00.1
bukas ng negosyo,
08:02.1
kinalapin siya ngayon,
08:03.6
ngayon sira nga yung relasyon nila.
08:05.6
Yung ibang marunong,
08:07.7
nagtrabaho ko sa iyo,
08:09.7
ngayon marunong na ako,
08:11.0
boss, partner tayo,
08:12.3
bigyan mo naman ako ng pakakatulong.
08:14.2
Hindi nang partner sila.
08:15.5
So, hindi nasira ang relasyon.
08:17.6
Nakapag-discover pa ng ibang business,
08:19.8
lalo pa silang lumaking.
08:21.2
So, it's not a matter of Chinese,
08:25.1
it's a matter of the heart.
08:28.0
kailan kami magpa-partner?
08:31.5
Kasi, may kasabihan tayo,
08:35.1
as Filipino-Chinese,
08:36.2
I would like to educate probably you guys.
08:39.4
We have a saying in Chinese,
08:40.7
boy out, soe lang.
08:42.7
Hindi marunong magpakatao.
08:44.7
Yun yung ibig sabihin nyo,
08:45.9
yung hindi marunong magpakatao,
08:47.9
yung tinulungan mo na,
08:51.5
hindi pa marunong,
08:53.2
kahit na hindi ka nalaman,
08:56.1
Huwag ka nalang gumawa ng hindi tama.
08:58.1
Oo, correct, correct.
09:01.6
Let's talk about traditions,
09:02.6
customs, traditions related to money
09:05.1
in Filipino-Chinese culture.
09:07.1
Can you remember some?
09:10.1
Sobrang daming traditions yung mga Chinese.
09:13.1
At importante rin.
09:14.1
Ako naman, nakakasala ako,
09:16.1
hindi dahil sobrang traditions,
09:21.1
alam mo naman ang pinanggalingan natin,
09:23.1
hindi naman tayo pinanganat ng mga
09:25.1
Para sa akin, ang tradition ng Chinese,
09:27.1
yung bilisan mo yung pakain mo.
09:30.6
Kahit fried chicken yan,
09:35.1
So, ayaw kong masayang yung oras ko sa pakain.
09:37.6
Kaya, I can finish the meal until now.
09:39.6
I can finish the meal in 10 minutes.
09:41.6
Tatrabaho na ako.
09:43.1
Eh, hindi naman pala tama yun.
09:44.6
Meron din palang tradition na yung pakain niyan,
09:48.6
then you enjoy it.
09:50.6
Eh, pero dalagalap yan hanggang ngayong gawin.
09:53.1
Ngayon, nakikita ko yung anak,
09:54.1
namin na masipag naman magtrabaho,
09:56.1
pero they also learn how to enjoy food.
10:00.1
hindi ako nagseselebrate ng birthday ko.
10:02.1
Laging kliyente ko nagseselebrate ang birthday ko.
10:05.1
Kasi nandun ako nagtuturo eh.
10:07.1
Pag nalaman nilang birthday ko,
10:08.1
silang bumibili ng cake,
10:09.1
ako ang niliregaluhan.
10:13.1
Dapat may mga tradition
10:15.1
to preserve the sanctity of the occasion.
10:19.1
Pero ang kabaliktaran naman yan, iba.
10:22.1
Yung tradition naman ng iba,
10:24.1
in a local Filipino traditional community,
10:28.1
ang tradition nila ay
10:29.1
tradition at paniluwala.
10:31.1
Kapag ikaw kumikita na,
10:33.1
bumili na agad tayo ng sariling bahay.
10:36.1
It's a tradition,
10:38.1
it's an aspiration.
10:42.1
nakapagtrabaho na ngayon yung anak mo,
10:44.1
kumikita na ng konti,
10:46.1
o kumikita ka na,
10:48.1
mag-down payment na tayo sa bahay.
10:50.1
Aba, eh di lahat ngayon ng future opportunities ng batang yan,
10:53.1
mag-negosyo, wala na,
10:55.1
kasi nagbabay ka ng amortization.
10:58.1
So, tama naman yung family tradition,
11:00.1
pero applied in the wrong context.
11:05.1
Compared to, syempre yung Chinese tayo,
11:07.1
parang na-train tayo na
11:09.1
bago ka bumili ng bahay,
11:11.1
inegosyo ka muna,
11:12.1
inegosyo mo muna.
11:14.1
Palaguin mo muna yung pera mo.
11:17.1
And then, pag kumika na,
11:19.1
no ka bibili ng bahay.
11:21.1
So, it's a tradition that works for us.
11:25.1
sa awan ng Diyos,
11:26.1
kumikita na ako, wala na akong utang,
11:28.1
sa iyong natuto siguro yan eh,
11:30.1
wag ka mag-umutang.
11:32.1
hindi okay namin, negosyo na ako,
11:34.1
pero nag-re-rent pa rin ako.
11:36.1
Alam mo, this is so strange, no?
11:39.1
for so many years nung nag-aasis pa kay Mr. Francisco,
11:43.1
umuupa pa siya sa building, di ba?
11:45.1
Nakaupa na wala kang ano.
11:47.1
Kaya nagtataka ako,
11:48.1
ba't ka walang bahay?
11:51.1
tradition na napag-aralan ko,
11:54.1
pero tradition na mali din na application,
11:57.1
naging utak ang gugulang.
11:59.1
I'll give you an example.
12:00.1
Para sa akin, ang iniisip ko,
12:02.1
anong trabaho ng bahay?
12:04.1
Ano bang gamit sa bahay?
12:06.1
Kain, tulog, maligo, tapos na, magbihis.
12:08.1
E, umuupa lang naman ako,
12:11.1
so pag ako'y umuupa,
12:12.1
magkaroon ng problema sa repair,
12:14.1
hindi na ako, sila na yan.
12:17.1
gagamitin ko na lang iyong pera ko,
12:19.1
para palaguin ng palaguin yung binigosyo.
12:22.1
So, mukhang tama.
12:24.1
Eh bakit naging mali?
12:26.1
Naging panggugulap.
12:28.1
yung daughter ko na sikat na designer ngayon,
12:31.1
bata pa, sabi sa akin,
12:33.1
Dad, hanggat wala tayong sariling bahay,
12:36.1
wala tayong dignidad.
12:38.1
Any time pwede kang palayasin,
12:40.1
any time pwede kang mawalan ng pagtitirhan,
12:43.1
alam mo, nag-register sa utak ko yan eh.
12:45.1
Kaya wala pa akong bahay nung araw,
12:47.1
dahil hindi sa hindi ko kasama.
12:49.1
Kaya, pero sa sobrang isip na gagamitin ko yung pera,
12:53.1
I ended up ginagamit na ako ng pera.
12:57.1
So, at that time,
12:58.1
nakapagbili ako ng bahay,
12:59.1
pero dumama rin pala kasi.
13:02.1
Ang aking intention dyan sa pag-iisip ay ganito,
13:05.1
basta't may pera ka,
13:08.1
Either you like this or you don't like that,
13:11.1
pero wala kang pera,
13:12.1
makipinitan ka, no choice ka.
13:15.1
Eh tama nga naman,
13:17.1
nakabili ako ng bahay,
13:20.1
Pay when able pa.
13:26.1
O, eh dito maiming.
13:27.1
Eh kasi pumunta ka sa Amerika,
13:29.1
walang mag-aalaga.
13:32.1
Nang hindi ako nagmamadala,
13:33.1
hindi ako presyo,
13:34.1
at wala akong utak.
13:36.1
Tama. Galing-galing-galing.
13:37.1
So, let's talk about family values
13:39.1
and Filipino-Chinese culture.
13:41.1
How does it influence you
13:42.1
in your financial decision-making process?
13:46.1
One of the key Chinese traditions,
13:49.1
hindi lang Chinese,
13:53.1
Bibigyan kita ng idea,
13:54.1
clue na ito sa sagutin ko eh.
13:56.1
Iaapot mo lang yung kamay mo,
13:58.1
magigipagkamayang ka,
13:59.1
naka ganun ka pa.
14:04.1
Napapanood natin sa K-drama yan.
14:06.1
Napapanood natin sa mga Chinese movies,
14:10.1
Isa sa mga pinakamalaking
14:12.1
tradition or Asian culture
14:19.1
So, yung respect na yan
14:21.1
ay binabalue pala
14:23.1
ng lahat na kanegosyo ko.
14:25.1
Yung respect na yan
14:27.1
ay nakukuha ko ngayon
14:28.1
sa aking kliyente.
14:29.1
At dahil naiintindihan ko
14:31.1
yung value ng respect na yan,
14:34.1
sa lahat ng mga tao
14:37.1
Kaya mahalata mo ako,
14:38.1
kahit pumasok ako sa isang restaurant,
14:41.1
ginagalang ko yung mga tao doon,
14:43.1
kay security guard ka,
14:46.1
pag naiintindihan mo
14:47.1
ay nagpo-post ako sa Facebook.
14:49.1
Lagi kong pinopost yung mga
14:50.1
nagtatrabaho dyan.
14:51.1
Gusto kong bigyan ng value yung tao.
14:53.1
So, yung respect na yan
14:55.1
ay nakikerry through
14:56.1
in the way you carry business.
14:58.1
Pag ginagalang ka naman
14:59.1
ng kausa mo sa negosyo,
15:01.1
tumataas automatic ang kanyang trust.
15:05.1
Pag tumataas ang trust,
15:07.1
ang laki ng opportunity ko
15:09.1
na palagoy ng business ko.
15:11.1
Pero pag nawala yan,
15:12.1
kay magaling ka pa
15:13.1
at nawalan ng trust sa'yo,
15:14.1
dahil hindi ka magaling,
15:15.1
dahil hindi ka magalak sa kanila,
15:17.1
eh sinasara mo na yung opportunity.
15:20.1
Talking about yung respect and trust,
15:23.1
Trust is the foundation of relationship kasi.
15:26.1
Diba? Broken trust, broken relationship.
15:28.1
So, that only not refers sa family,
15:30.1
pagmamahalan bilang mag-asawa,
15:33.1
kundi sa negosyo rin.
15:35.1
Yung sinasabi mong respeto,
15:36.1
isang kultura rin,
15:37.1
yung parang naging Chinese tradition.
15:42.1
Pag kasama mo si Francis na kumain,
15:44.1
naku, maniwala ka.
15:45.1
Hindi mo mauunahan yan
15:47.1
na siya yung magbabayad,
15:49.1
magbabayad ng bill.
15:51.1
At saka ito, hindi lang yan, ha.
15:53.1
Bakit kaya, yun sa Chinese,
15:54.1
yung culture natin, no?
15:56.1
Kanyari, when we go and eat out,
15:58.1
oy, diba sa kabilang table na kumakain?
16:00.1
Pagkatao, say hi.
16:02.1
dalawa lang nangyayari.
16:04.1
yung bill mo, bayad na,
16:06.1
or yung bill niya,
16:08.1
Can you please explain to us
16:10.1
kung anong logic behind that?
16:13.1
Hindi naman dahil hindi niya kaya bayaran yan, diba?
16:15.1
Pero minsan, ang ginagawa mo,
16:19.1
you are sending a message na
16:22.1
Yun nga, respect and value, diba?
16:25.1
Kaya, give me at least an opportunity
16:30.1
By buying you this meal.
16:32.1
Eh, yung meal central yan eh,
16:35.1
Kaya, pag ginagawa mo yan,
16:36.1
hindi ibig sabay ninisuto mo siya,
16:38.1
baka hindi na tayo bayaran.
16:40.1
Pero, i-honor kita
16:42.1
in buying this meal.
16:45.1
Pero, minsan nga,
16:46.1
natatawa ko eh, diba?
16:47.1
May nagkakwento naman sa akin.
16:48.1
Pagka dumadating naman yung bill,
16:50.1
pag iba-ibang kasama mo naman,
16:52.1
nagtataguan kung sino mag-buy.
16:56.1
Huli kami kumain.
16:57.1
Binayaran na yung bill ko eh.
16:58.1
Alam na lang na na yung gimmick eh.
17:01.1
Guys, yun nga sinasabi ko.
17:02.1
Yun nga yung natutunan ko.
17:04.1
A lot of things that I'm doing right now,
17:10.1
everything that I've learned from you eh.
17:12.1
sobra akong blessed.
17:13.1
Sobra akong blessed na
17:14.1
to have you as my mentor.
17:17.1
Let's talk about naman
17:18.1
money culture, diba?
17:20.1
Yung tinuro sa'yo
17:21.1
ng nanay mo o tatay mo tungkol sa pera
17:23.1
na hindi mo makalimutan.
17:25.1
Hindi masyado akong natuto sa kanila eh.
17:28.1
Well, in the first place,
17:29.1
they never had an opportunity to do business.
17:32.1
Hindi naman silang negosyante.
17:35.1
kilala mo naman yung father ko, diba?
17:38.1
Gusto maging accountant,
17:39.1
hindi naman pwede
17:40.1
kasi hindi Filipino citizen.
17:43.1
Tapos yung mother ko,
17:44.1
hindi nagpagtrabaho,
17:45.1
hindi na-employed,
17:46.1
walang negosyante,
17:50.1
basic lessons like
17:51.1
wag kang kastador,
17:55.1
kuha ko sa kanila eh.
17:56.1
Pero apart from that,
18:01.1
yung natutunan ko sa kanila.
18:05.1
hindi mo pera yan.
18:06.1
Wag kang gagalawin
18:07.1
at wag kang magnanakaw.
18:09.1
Babalik na naman tayo dito
18:15.1
Nasa kanya na yung
18:16.1
pag ikaw umutang,
18:18.1
Hindi mo pera yan.
18:19.1
Malaking impact sa akin yan.
18:22.1
kahit malaking pera,
18:23.1
kahit maraming kang pera,
18:24.1
inutang mo naman yan.
18:26.1
Babayaran mo yan.
18:28.1
yung sense of obligation
18:30.1
takot na takot ako na
18:32.1
na-skip na payment eh.
18:34.1
Yung credit rating ko
18:39.1
credit rating ang habol ko,
18:43.1
Yung pressure na,
18:44.1
ba't di ko nabayaran yan?
18:47.1
impression generated na
18:50.1
kaya nalusot lang ko sila.
18:55.1
or money principles
19:00.1
self-learned yan,
19:01.1
naiintindihan natin,
19:02.1
nakamali rin tayo.
19:04.1
Kung di nanganganser ito,
19:05.1
may lifestyle pa ako.
19:06.1
Kaya walang naiiwan.
19:09.1
nakaanap na kami,
19:12.1
ito talaga ang buhay mo.
19:15.1
nakatingin sa sayo,
19:16.1
iisipin mo na ngayon
19:18.1
future ng misis mo,
19:19.1
future ng anak mo.
19:22.1
self-consciousness.
19:25.1
lalo ko nang inaral
19:26.1
at nagbabasa ako ng
19:29.1
how to handle it.
19:31.1
the foundation is there
19:32.1
but insufficient.
19:33.1
You still have to learn
19:37.1
yung word na sinasabi kanina
19:38.1
na binibigyan namin
19:41.1
as Philippine Chinese.
19:51.1
Ano ibig sabihin naman
19:53.1
Well, literal meaning
19:57.1
See believability.
19:59.1
The facial believability
20:03.1
Importante kasi eh.
20:10.1
pangalagaan po natin
20:13.1
Hindi lang reputation eh.
20:15.1
pag inalagaan mo yung pagkatao mo,
20:16.1
the reputation will follow eh.
20:19.1
Reputation will take care of itself.
20:24.1
let's talk about yung sa ipon.
20:27.1
we believe in the concept of ipon,
20:29.1
Si Francis Kong ba
20:35.1
Dahil yung misis ko,
20:44.1
itatry ko talaga yan.
20:47.1
yan ang tinagaling ako eh.
20:49.1
Naglalabas ako ng bago
20:50.1
kaya risk taker ako.
20:52.1
Early adopter risk taker.
21:02.1
risk siyang for negosyo,
21:06.1
rules yung key eh.
21:09.1
Meron siyang gusto,
21:14.1
Meron siyang gusto,
21:22.1
Pag meron akong bibili,
21:31.1
nandiyan niyang ipon,
21:33.1
financial feasibility,
21:34.1
nandun na yung lahat,
21:38.1
kung paapektuhan ngayon
21:39.1
yung risk-taking factor ko,
21:41.1
hindi rin maganda sa negosyahan.
21:45.1
you have the ability
21:48.1
involves spending.
21:53.1
hindi rin maganda.
21:54.1
Depende sa konteksto
21:56.1
Any personal stories
21:57.1
that you can share
21:58.1
in terms of yung,
22:00.1
the importance of,
22:06.1
Ano yung mga story
22:10.1
general ways naman
22:11.1
to generate money.
22:15.1
Alam mo kung makaano
22:19.1
to grow more money
22:20.1
that which is best meant.
22:21.1
Number three pala,
22:23.1
Meron kang uncle na mayaman
22:25.1
punta sa inyo yung pera.
22:27.1
bumili ka ng lotto ticket,
22:28.1
bigla ka yung ma'am,
22:30.1
the most ridiculous
22:31.1
opportunity of them all.
22:34.1
maraming mga bagay yan.
22:36.1
while we talk about money,
22:40.1
huwag nating kakalitaan
22:43.1
of handling money.
22:46.1
Kaya importante sa akin
22:47.1
yung meron tayong
22:49.1
Yung pag-iipon lahat,
22:53.1
the philosophy of money,
22:54.1
the practice of money,
22:59.1
Cognition is where
23:00.1
you get the word knowledge.
23:03.1
So, I'm gonna give you
23:05.1
Alam ko bakit effective
23:08.1
ang tinuturo mo lahat
23:15.1
sa pagturo ng pera
23:21.1
nagtuturo ng laws
23:23.1
Ang physics kasi,
23:24.1
hindi ka maka-escape eh.
23:28.1
Hindi po pwedeng baguhin
23:29.1
yung formula niya.
23:30.1
Pag binago mo yung formula niya,
23:31.1
magbabago ang takbo
23:41.1
kita mo lahat ng economist
23:42.1
na na-project last year,
23:46.1
iba yung economic,
23:47.1
iba yung economic principles,
23:48.1
iba yung human behavior.
23:53.1
tama ang philosophy mo,
23:58.1
yung mga principles
24:02.1
sustainable success.
24:05.1
one more example.
24:06.1
The Lord has blessed us
24:07.1
with something na
24:08.1
komportable kami.
24:09.1
While we're not very rich, ha?
24:11.1
Komportable lang.
24:12.1
Pero nandito na kami
24:16.1
para yumangan pa.
24:18.1
Ang importante ngayon,
24:19.1
paano ko i-leverage
24:23.1
Where is my mission
24:27.1
ano mangyayari niya?
24:28.1
E di katulad ng mga
24:31.1
na hanggang ngayon
24:32.1
miserable yung buhay.
24:35.1
kung ano ang mission.
24:38.1
at this stage of my life,
24:39.1
is more important
24:40.1
than making money.
24:41.1
Pumapasok yung pera eh.
24:43.1
Pero yung mission
24:46.1
nagpapagamit ako ng pera.
24:48.1
Hindi ko na ginagamit
24:50.1
Alam mo yung sinabi mo,
24:52.1
while you are narrating that,
24:55.1
I was reminded nung,
24:57.1
nag-a-assist pa ako sa iyo,
24:59.1
your way of thinking
25:01.1
your way of living.
25:04.1
Wrong way of thinking,
25:05.1
wrong philosophy.
25:08.1
Equivalent to wrong output.
25:11.1
diba yan yung parang
25:12.1
sinasabi mo dito eh?
25:15.1
how do I make money now
25:18.1
I make money now,
25:20.1
naktitrain pa rin ako
25:22.1
I now position myself
25:23.1
in my states of life
25:25.1
through my children's
25:26.1
ability to do business.
25:29.1
hindi ko ginagalaw.
25:32.1
I want my children
25:33.1
to learn how to make money
25:38.1
kung nandito ka lang,
25:39.1
sabi nga ng daughter ko eh,
25:40.1
we have board meetings
25:44.1
Habang kumakain kami,
25:45.1
nagsishare na ako eh.
25:50.1
yung kurimong business niya,
25:57.1
are you doing this?
25:58.1
Naintindihan mo ba
25:59.1
yung change in consumer behavior?
26:01.1
yung mga disruption
26:04.1
kung ano yung nangyayari ngayon?
26:05.1
Landowners and malls?
26:07.1
I should be in that position
26:09.1
to enable my children
26:11.1
to grow their business.
26:13.1
how much more money
26:16.1
I can use it now,
26:17.1
but I won't use money
26:20.1
Pero yun yung importante,
26:22.1
I think it brings you
26:26.1
success without a successor
26:27.1
is a complete failure.
26:30.1
It doesn't really matter
26:31.1
how successful we are
26:32.1
or I am as a person
26:33.1
kung yung next generation naman,
26:35.1
hindi naman successful.
26:38.1
I'll grant you the privilege
26:44.1
the three of them,
26:45.1
what are they doing,
26:46.1
so ano yung mga accomplishments
26:47.1
and mga opportunities nila.
26:49.1
ako yung nagpapasalamat
26:50.1
dun sa isang encounter
26:51.1
during the coffee shop.
27:00.1
tayo lang ang dalawang Chinese
27:01.1
na naktatrain sa corporate.
27:04.1
nakalimutan mo yung isa,
27:08.1
Parang tayo yung tatlo.
27:15.1
kasi wala akong permission
27:16.1
kaya hindi ko mapanggit.
27:19.1
where the conversation
27:20.1
is going through.
27:30.1
about what we do,
27:32.1
is that we're Chinese,
27:33.1
we're doing this.
27:36.1
So, inisip ko yan.
27:37.1
Wala akong factory
27:38.1
na ipapasa sa anak ko.
27:43.1
Hindi namang pwedeng
27:44.1
pilitin sila maging speaker
27:49.1
naisip naman ko na,
27:51.1
I can leave to them
27:52.1
is to build their
27:53.1
entrepreneurial skills.
27:57.1
I never realized that today.
27:58.1
Yung traditional business
27:59.1
na ipapas mo ngayon
28:04.1
Naawang Diyos eh.
28:08.1
So, yung anak mo ngayon,
28:09.1
nage-experiment siya
28:14.1
which becomes very famous.
28:16.1
nag-branch out na siya.
28:23.1
During the pandemic,
28:24.1
kung lahat ng tao ay
28:25.1
nagsasabing wala nang
28:30.1
pandemic business.
28:33.1
ito currently ngayon,
28:35.1
yung Kurimo Ice Cream niya.
28:37.1
Yung daughter ko naman,
28:39.1
mahilig sa fashion.
28:40.1
Ay, sikat ka fashion designer siya ngayon
28:42.1
for wedding gown.
28:44.1
At yung bunso ko,
28:46.1
si nalangang single sa anak ko,
28:49.1
at ang hawak niyang
28:51.1
ang pinakamahirap sa lahat,
28:54.1
So, siya na ngayon ang
28:58.1
mga government agencies,
29:00.1
yung mga malalaking company,
29:01.1
ang galing makipag-deal niya na.
29:04.1
may sigurado niya
29:06.1
ay hindi napabago.
29:07.1
How can we serve you
29:08.1
and how can we add value to you?
29:12.1
meron siyang nagagawa ngayon
29:13.1
na hindi ko nagawa nung araw.
29:18.1
maging entrepreneurial
29:19.1
dahil wala na akong
29:20.1
maipapasa sa iyo yan.
29:25.1
ng aking buhay ngayon.
29:29.1
nagsusulat ako ng column
29:31.1
sa Philippine Star.
29:32.1
Bago nangyari yung pandemic,
29:38.1
the family business.
29:40.1
Hindi lang natuloy.
29:43.1
itutuloy namin yan.
29:45.1
pinakita sa akin yung isang article
29:46.1
nung nabasa ko yan.
29:49.1
It took the children
29:53.1
na yung mga ideas
29:58.1
Kasi yung mga anak
29:59.1
ayaw makinig sa magulang.
30:05.1
gayon ko lang nakikita
30:11.1
Mag-iwan ka ng pera,
30:13.1
pag hindi maruno.
30:14.1
Mag-iwan ka ng bahay,
30:16.1
o kayo mga sunugang ka pa.
30:18.1
Iwanan mo sila ng values.
30:20.1
Love God, love neighbor.
30:24.1
and to be entrepreneurial.
30:28.1
yung mga business nila
30:29.1
ay hindi nating kaya.
30:31.1
Sila lang ang maruno.
30:33.1
Nagpabago ang mundo eh.
30:35.1
sobrang akong overwhelmed right now.
30:37.1
Because yung lahat ng sinasabi niya
30:40.1
That's number one.
30:41.1
Ang hirap turuan talaga
30:42.1
yung sarili nating anak.
30:43.1
Kayong mga magaw lang dyan,
30:44.1
kung kayo nag-agree,
30:45.1
type agree sa comment section.
30:48.1
Makikinig sila sa iba
30:49.1
but they will not listen to you.
30:50.1
Pero ang pangalawa,
30:51.1
ang pinakamaganda,
30:52.1
kung ikaw ay magaw lang dyan
30:53.1
at nakikinig ka ngayon,
30:54.1
ang pinakamaganda ipamana talaga
30:57.1
ay yung values eh.
31:01.1
it's the first generation
31:02.1
that makes the million.
31:03.1
It's the second generation
31:04.1
that inherits the million.
31:06.1
It's the third generation
31:07.1
that loses the million.
31:08.1
Kasi yun nga yung value of hard work
31:11.1
What can you say naman about yun nga,
31:14.1
yung entitlement mentality?
31:16.1
hindi katulad natin.
31:18.1
taga-tondo tayo eh.
31:20.1
Tapos during that time,
31:21.1
talagang benta-benta.
31:25.1
Ngayon internet na lang.
31:26.1
Talagang it's all social media already.
31:28.1
So yung parang feeling
31:29.1
ng mga kabataan ngayon,
31:31.1
It's everything so fast.
31:33.1
So how can you break
31:34.1
that type of a mindset?
31:35.1
Well, una sa lahat,
31:37.1
meron ako sinulat sa column ko
31:39.1
na babaguhin at i-challenge din natin
31:42.1
yung pag-iisip na
31:44.1
first generation starts,
31:46.1
second generation grows,
31:47.1
third generation destroys.
31:48.1
Not necessarily true.
31:50.1
Yun pala ay isang cliché
31:53.1
o pag-iisip na nakabase
31:55.1
sa isang study na ginawa ko
31:57.1
sa Pittsburgh in the US
32:00.1
Tama ang kanilang
32:04.1
second generation expand,
32:05.1
third generation nira.
32:06.1
Pero ang hindi nilang
32:09.1
From the second generation
32:11.1
to the third generation,
32:13.1
that was about 80 years.
32:17.1
kung titignan ko naman
32:18.1
yung mga client ko ngayon,
32:21.1
na sa fourth generation na
32:22.1
lalong lumalaki pa.
32:25.1
If the foundation is
32:28.1
I don't care what generation
32:30.1
you can grow the business.
32:31.1
Kung mali naman ang
32:32.1
foundation and values,
32:33.1
second generation,
32:34.1
first generation lang,
32:35.1
patay na yung business mo eh.
32:36.1
So, that is one thing
32:38.1
you have to put in context.
32:40.1
Pero ito yung sinasabi mo,
32:42.1
first, second and third,
32:44.1
Doon sa mga maling
32:46.1
philosophy ng magulang.
32:49.1
dahil galing ako sa hirap,
32:51.1
hindi ako makapapayag
32:52.1
ng inyong anak ko eh.
32:53.1
Makaralas din ang hirap.
32:55.1
Ang sagot ko sa kanila,
32:57.1
you just destroyed
33:01.1
galing ka sa hirap eh.
33:03.1
E ngayon, magaling ka na lahat,
33:04.1
gagawin mo comfortable
33:06.1
Paano matututo yan?
33:09.1
i-refit ka rin yung philosophy
33:10.1
ng mga turo sa bahay
33:12.1
na hindi nilalabas.
33:14.1
dalawang klaseng tao
33:15.1
lamang dito sa mundo.
33:17.1
at yung niloloko.
33:20.1
mas mabuti na yung ikaw,
33:23.1
E nagtataka ngayon
33:26.1
niloloko sila eh.
33:27.1
Kaya nang tituro,
33:29.1
E di pag naging business niya,
33:30.1
nilolokoy niya yung customer niya.
33:32.1
Pag nagpartner siya,
33:33.1
nilolokoy niya yung partner niya.
33:37.1
sa aking mga anak ay,
33:38.1
hindi na bali lugi tayo,
33:40.1
huwag lang masira
33:41.1
yung repetition natin.
33:44.1
pera lang yan eh.
33:45.1
Pero pag nasira ngayon
33:46.1
yung pangalan mo,
33:47.1
sarado na yung mundo.
33:50.1
yung mga bagay na yan,
33:51.1
nuances na maliliit na bagay.
34:00.1
kahit na pag-uusapan natin ngayon,
34:01.1
mga malalakas kumita ngayon
34:02.1
sa online shopping
34:03.1
saka yung mga TikTok na yan.
34:06.1
sa mga kaibigan ko
34:07.1
ang nagsishare kami,
34:08.1
sandali na lang ang success niya,
34:12.1
Kumikita nga ng million-million.
34:14.1
puro show na ngayon
34:18.1
Nung nagkumpisa ako,
34:19.1
pinagtatawanan ako ngayon.
34:20.1
Tignan mo ngayon,
34:23.1
mga berylantes pa,
34:24.1
pa-formula for failure.
34:28.1
Na-entitled ka na eh.
34:30.1
Ginawa mo lang yung
34:31.1
rags to riches story mo ngayon
34:33.1
but you're actually bragging about yourself.
34:34.1
Anong sabi sa biblia?
34:36.1
before destruction,
34:40.1
Mali na ang values.
34:41.1
Kung gusto mo patagalin yan,
34:42.1
ayusin mo yung values mo.
34:44.1
Hindi dapat ganyan.
34:47.1
yung entitled na yan,
34:49.1
pag nakapakinherit ngayon
34:52.1
Kasi hindi niya alam,
34:54.1
behind the success
34:58.1
Biggest money mistake
35:01.1
pwedeng matutunan ng iba
35:03.1
para hindi nila maulit?
35:04.1
Too trusting without due diligence.
35:06.1
Laking pera na wala ako dyan, eh.
35:07.1
So, biggest money mistake ko,
35:09.1
hindi ko natinig sa misis, eh.
35:11.1
Again, yung yes, yes.
35:14.1
madagal lang nagsasabing,
35:15.1
parang hindi yata,
35:17.1
may something is off
35:19.1
with your partner.
35:21.1
Parang mali ang ginawa.
35:23.1
ay, huwag mo lalo
35:24.1
sunin yung isip ko.
35:25.1
Dapat positive mo.
35:26.1
Huwag mo positive.
35:30.1
Niloko ako ng partner ko.
35:31.1
So, kailangan may due diligence ka pa rin
35:34.1
at makikinig ka doon sa mga taong
35:36.1
pwedeng pagkatiwalaan
35:37.1
na iko-correct ka.
35:40.1
So, that's the biggest money mistake.
35:44.1
you have made in your entire life?
35:47.1
Hindi lang education.
35:51.1
Formal education.
35:52.1
Eto, daily education.
35:55.1
nung sinabi ni Hannah,
35:58.1
gusto ko mag-aaral ng fashion design.
36:05.1
Fashion and Arts Academy
36:07.1
in San Francisco, kaw.
36:13.1
Sacrifice ka mini-misis.
36:16.1
Makakabawi na kami.
36:18.1
maganda yung Paris.
36:24.1
Kita mo yung clientele niya,
36:26.1
puro doon sa society niya.
36:30.1
it's the best money making I have.
36:32.1
Got nothing to do with physical money.
36:35.1
It's everything to do with the intrinsic value
36:37.1
that money can buy.
36:41.1
Let's talk about failures.
36:42.1
Ano yung failures na na-experience mo
36:44.1
before na hindi mo makalimutan?
36:47.1
And how were you able to recover?
36:49.1
Konektado na naman sa
36:50.1
without doing due diligence.
36:52.1
Akalain mo yung inumpisan kong negosyo
36:54.1
ay nawala sa akin.
36:55.1
Di wala akong nakuha ni isang kusig.
36:57.1
Hindi ko na alam kung sa'yo na ako mapupunta.
37:00.1
gusto kong gantihan yung partner ko,
37:02.1
pasag naman si misis.
37:05.1
hindi yan na nasa Bible eh.
37:08.1
yung paghihiganti yung business niya,
37:10.1
hindi natin business niya.
37:13.1
pag masyado kang nakafocus sa negative,
37:15.1
pag nagbubukas na ngayon yung opportunity,
37:18.1
Eh tama nga naman.
37:23.1
that was the time when I wrote my four-volume books
37:25.1
one day at a time.
37:27.1
Kasi I was living one day at a time.
37:29.1
kung hindi pala nangyari sa akin yan,
37:31.1
hindi ako mapupunta din sa ginagawa ko ngayon.
37:35.1
binalasa pala ni Lord yan
37:37.1
para dumanak doon sa failure na yan.
37:42.1
naktry na ngayon ng iba.
37:44.1
Kaya yung failure niya yan is a stepping stone.
37:48.1
nakaroon taloy ako ng isang
37:51.1
pagdating niya sa experience niya.
37:54.1
Just when the pieces seem to be falling apart,
37:56.1
it may be God's way of putting the pieces
38:00.1
in its rightful place.
38:03.1
Kaya investment pala yan,
38:04.1
hindi pala faithful.
38:05.1
If you can go back to the,
38:08.1
When you were younger.
38:10.1
Ano sabihin mo sa sarili mo?
38:11.1
You're so stupid,
38:12.1
you wasted so much time.
38:16.1
Kasi marami tayong karakit sa buwan.
38:17.1
Marami tayong ego,
38:19.1
maraming false belief
38:20.1
in everything else.
38:21.1
If I can go back to my younger days now,
38:23.1
don't waste time,
38:29.1
katulad na kinuhaid ko sa iyo dati,
38:30.1
lalo na nung hindi ko pa na-meet si Lord,
38:31.1
wala na nga akong pera,
38:33.1
may lifestyle pa.
38:34.1
Ayan ang masamang kombinasyon.
38:38.1
if I can go back to my younger days,
38:40.1
time is the most precious resource of life.
38:46.1
Once you waste time,
38:47.1
it doesn't come back.
38:49.1
outcome lang yun.
38:50.1
If you do things correctly,
38:51.1
it will lead you there.
38:52.1
Pero pag nandiyan na,
38:53.1
you don't allow yourself to be enslaved by it,
38:55.1
It becomes a tool
38:56.1
for you to achieve something more.
38:57.1
Eh nung araw kasi ang turo sa akin,
38:58.1
pinakamahalaga pera eh.
39:01.1
The Chinese culture?
39:03.1
By the time you reach age 40,
39:05.1
millionaire ka na,
39:09.1
kita mo naman ang pressure sa atin nung araw.
39:19.1
thank you very much.
39:20.1
Where can they follow you?
39:22.1
yung mga kabataan dyan na nakikinig,
39:24.1
mga kasama at mga ka-iponaryo.
39:25.1
Where can they follow you?
39:27.1
very active ako ngayon sa LinkedIn.
39:28.1
Active pa rin ako sa Facebook.
39:29.1
Huwag sa friends page kasi di na kaya.
39:30.1
Sa like page na lang.
39:32.1
very active din ako sa thread.
39:35.1
active ako sa blog page ko.
39:36.1
Nag-aaral pa ako ng sayaw,
39:37.1
katulad ng Chinchilla.
40:07.1
Sipan siya sa istro si Francis.
40:11.1
STUDY NG BIP NAMIT
40:16.1
Looking forward, looking forward.
40:18.0
Okay, Ninong, fun ano lang ito.
40:20.5
This is an ipon card.
40:22.5
We want to challenge people kung paano makasave ng 100,000 pesos by using this card.
40:28.7
So, ang gagawin lang natin, there are 60 cards.
40:31.4
Pipili ka lang ng isa.
40:32.6
Pipili ka ng isa.
40:34.4
Yung ginagawa ng mga magikero.
40:36.0
Oo, yan, yan, yan.
40:39.4
O sige, pakibasa.
40:41.1
Ano nakasulat dyan?
40:42.6
Galanting Partner Challenge.
40:44.5
Ang maghuhulog ng savings sa ipon box mo ay si diyowa, asawa, or partner.
40:52.3
Lambingin mo siya na magbigay ng malaki para mas malaki rin ang mga ipon mo.
40:57.7
Kung single ka, maghulog ng 150 pesos.
41:05.8
Kunyari, si misis, o, di ba?
41:07.5
Parang hihingi tayo ng pera.
41:09.4
O, isa pa, isa pa.
41:10.1
One last, one last.
41:12.7
Body Parts Challenge.
41:14.5
Sampung mga daliri, kamay at pa, dalawang tenga, dalawang mata, ilong na maganda.
41:23.7
Dahil 25 ang total kapag inat mo ang mga body parts, 25 pesos muna ang hihuhulog po sa ipon box at huwag mo ihulog yung ilong mo at wala akong ipinabasa.
41:40.1
So, Ninong, bibigay ko to sa iyo.
41:42.8
Alam ko hindi mo na kailangan to.
41:44.5
Pero para sa mga anak mo.
41:46.8
It is what we call as the ipon cards.
41:51.9
Thank you very much, guys.
41:53.7
I hope you have learned from this session of ours.
41:56.5
Sana naman na-encourage kayo.
42:00.3
Alam nyo, ito lang parati ko sinasabi.
42:01.9
Experience is not only the best teacher in your life, but learning from other people's mistakes is one of the best teacher that you can really learn.
42:09.6
And I've really learned so much from this man.
42:11.8
Kaya nga, I encourage you to also follow him.
42:13.8
Read his books, follow his articles, read his newspapers, and also follow him at his social media.
42:19.8
Maraming maraming salamat.
42:21.1
Till next time, tatandaan, tamang karunungan, tamang disiplina po ang susi sa pagyaman.
