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00:00.0
Ano ang pinagpaplanuhan ko sa buhay?
00:03.3
Ang pinagpaplanuhan ko sa buhay ko ngayon ay,
00:06.6
nako, ayan ha, meron tayong poll na ginawa dyan
00:10.6
at 741 votes ko lahat ang nag-participate.
00:15.2
5% dyan, wala daw silang plano, at least very honest, diba?
00:20.3
Wala silang plano sa buhay.
00:22.2
So sila ay, bahala na si Batman, ganyan, no?
00:25.6
Actually, sa atin na lang yun, pero yung bahala,
00:28.3
bahala na is a derivative of what we say dati daw, no?
00:32.9
Bathala na. So pinagpapa sa Diyos na lang daw ang lahat.
00:36.5
So wala silang plano, 5%.
00:38.7
Sa mga Muslim naman, ito ay inshallah, yung sinasabi nila, no?
00:43.0
Basic needs para mabuhay, 16%.
00:45.8
Yan yung mga pinagpaplanuhan nila.
00:47.6
So mga basic needs, for example, would be pagkain, bahay,
00:51.7
pag-aaral ng mga anak, diba?
00:54.2
Tapos, 68% ang mga pinagpaplanuhan nila ay para gumihawa ang kanilang buhay.
01:02.6
So ito yung mga pagiging komportable na sa buhay,
01:07.6
like for example, preparing for retirement,
01:10.6
yan yung isa sa mga paraan para gumihawa ang buhay.
01:15.4
And then 11% yung para sa legacy sa buhay.
01:19.2
Yung iiwanan mo para maging meaningful naman ang pagtapak mo dito sa mundong ibabaw.
01:28.3
So ako po ay nandito kasama ng mga 11%.
01:37.5
So which brings us to our fifth step in financial planning
01:41.9
which is implementing and monitoring your progress.
01:46.7
So implementing and monitoring your progress.
01:49.7
So gagawa tayo ng financial plan, action guide,
01:53.2
and we have to communicate our financial plan to our family members for buy-in
02:00.1
para hindi lang tayo yung gumagawa towards those financial goals.
02:05.3
And this will also avoid conflict within the family
02:08.4
kasi pag alam nila kung ano yung plano mo, nakapagkasundoan nyo bilang pamilya,
02:13.8
diwas away yan, diba?
02:15.6
We motivate and inspire ourselves to achieve our financial goals.
02:21.1
So bigyan natin ng example ano yung pupwede natin na action guide.
02:28.3
So doon sa source of income na Php15,000 per month,
02:34.5
ang action guide natin diyan ay patuloy na magbigay ng maximum contribution sa SSS.
02:41.2
Kasi pag maximum contribution, mayroon ka pang mga 30 or 40 years na paghuhulog dyan,
02:46.9
I'm sure maaabot natin yung Php15,000.
02:51.0
Tapos yung Php35,000 na rental income, ano yung action guide natin dyan?
02:56.2
Maglaan ng 10% galing sa sweldo para makaipon ng pang-down payment sa rental property,
03:03.2
humanap ng iba pang pagkakakitaan o sideline para mapabilis ang pag-iipon sa down payment,
03:10.6
magpursigid sa trabaho para mabigyan ng priority sa housing loan ng kumpanya
03:16.0
na gagamitin pampagawa ng rental property at mag-apply sa pag-ibig ng housing loan.
03:21.4
So diba, pag ganyan ay malinaw na malinaw kung ano yung mga gagawin natin
03:28.3
at mas mapapadali yung buhay kasi automatic, hindi tayo nahihirapan.
03:34.8
So kung gusto nyo pong makuha at gawin itong financial plan na ito,
03:38.8
e-type nyo lang ang financial plan sa Vins Rapisura Facebook Messenger
03:44.6
para sundan yung instructions kung paano makuha yung financial plan.
03:49.2
Ako po ang inyong financial guro, si Sir Vins,
03:52.4
nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.
03:56.8
So saan nakasulat yung financial plan?
03:59.4
Si Lina nakalagay sa Excel, pareho tayo.
04:04.2
Tapos si Elosin naman sabi niya, hindi po nakasulat, nasa mind lang.
04:08.2
Naku, Elosin, isulat mo siya.
04:10.8
Oo, may pakinabang naman daw.
04:13.4
Ayun, so si Pami sa notebook daw nakasulat yung sa kanya.
04:18.0
Ganon din yung kay Weng.
04:20.2
Okay, sige. So bibigyan ko kayo ng tips mamaya kung paano natin siya,
04:25.4
paano yung format, bibigyan ko kayo.
04:28.8
So ito yung mga 2022 financial plan considerations natin.
04:33.0
Pag i-update natin ito.
04:35.0
So COVID-19 is still the main market driver.
04:38.4
Mayroon tayong presidential elections, national elections,
04:41.0
kaya kailangan natin mamili talaga.
04:42.6
And we have to take this into consideration.
04:44.6
Actually sa totoo lang nga, yung aking partner, si Edwin,
04:51.6
ay seryosong-seryoso na na-iprocess ang aming migration papers.
04:56.8
At akala ko nga ay tungkol dito sa presidential elections.
04:59.6
Sabi niya, natatakot.
05:00.6
Sabi ko, ay, sure na naman nanalo si Lenny.
05:03.0
Pagkakampay natin siya, tsatsagain natin para mag-good for good governance.
05:07.2
Pero ang sabi niya, hindi.
05:09.2
Gusto ko na kasing magpakasal.
05:11.2
Ay, kinilig na naman ako.
05:13.8
Tapos yung hair ko, umabot na naman sa ano, yung saan-saan.
05:18.2
Diba? Yung pala gusto niya.
05:20.2
Ay, bumula talay ako.
05:23.6
Inflation threat.
05:24.6
Ang central bank baka magtaasan ang interest rates natin
05:30.6
because of the threat of inflation.
05:32.6
Our economic recovery will still be very subdued.
05:36.6
Kaya maging maingat tayo.
05:38.6
Mataas pa rin ang ating unemployment.
05:40.6
At maraming mga nagsasadap pa rin mga nano and micro small enterprises.
05:46.6
Thanks for watching.
05:48.0
Kung may kapamilya, kaibigan o pakilalakang tingin mo ay magiging interesado dito sa video,
05:54.0
please share to them or tag them in the comments section.
05:58.0
Siyempre, kung nagustuhan mo ang video, pusoan mo na ito.
06:02.0
Subscribe ka na rin.
06:04.0
As always, feel free to write your questions, comments, and opinions respectfully.
