00:56.6
Ay! Ayan, ayan, ayan! Meron sumagot. Okay, si Venski, active income yung nasa left side
01:03.6
tapos yung nasa right side ay passive income. At syempre, Venski, naitama ka.
01:11.6
Active income yung nasa left side at passive income yung nasa right side.
01:16.6
Ay! Yun naman pala. Late-late lang ang dating. Ayan, si Helen, active and passive income.
01:23.6
Si Lovely, ganoon din ang sagot niya. So tama ka din. Keep calm.
01:29.6
Si Mark Lester Espina, passive income yung nasa right daw. Passive income and active income?
01:36.6
Sabi ni MJ. Tama ka. Walang question mark. Maribel, active and passive income.
01:41.6
At saka si Armando, left, active, right, passive. So very good, very good kayo.
01:47.6
Nakuha niyo ang kasagutan dyan. So kayo po ay pasado na sa ating question and answer
01:52.6
mga Miss Universe Philippines candidates. Okay?
01:55.6
So active income po, ito ay income derived from labor or work while passive income
02:00.6
is investment income you earn even when you do not work.
02:04.6
Ang primary income po natin usually coming from active income
02:07.6
which is our main source of income such as our salary.
02:11.6
At ang atin din pong income na in-earn from assets, investments or both,
02:15.6
ang tawag naman po dyan ay passive income.
02:18.6
So, tingnan natin. Mobile phone, need ba yan or want?
02:23.6
Sige nga. What makes a mobile phone a need or a want?
02:28.6
Sige nga. Sagutin nyo. Bakit need or want ang mobile phone?
02:34.6
Sige nga. Tingnan natin. Kasi tinanong ko yan sa mga kandidata natin
02:38.6
at ako napaka-witty talaga ng mga sagot nila.
02:42.6
At parang sabi ko, nako may pag-asa nga talaga yata ngayon sa Miss Universe natin
02:48.6
sa question and answer portion. Kasi kung ganito sila sumagot, mukhang may pag-asa.
02:54.6
Okay. So ang mobile phone po ba? Ito ba ay need or want?
03:00.6
Ayan. Ayan. Sabi ni Redknapp, before wants, now it is needs.
03:09.6
Dati daw ay wants lang yan kasi okay lang nawala kang cellphone
03:14.6
pero ngayon ay need na daw. Okay. Ngayon. Diba?
03:19.6
Pero ano yung naging diferensya nito? Ano yung nangyari Redknapp?
03:23.6
At ngayon need na siya. Nanoon ay want lang. Okay?
03:27.6
Sabi ni Vernski, need, pag wala ka magamit na phone
03:32.6
pero for upgrade lang, wants na yun.
03:36.6
Need siya pag ginagamit mo siya tapos kapag in-upgrade-upgrade mo na
03:41.6
meron ka pang cellphone, want na daw yun, sabi ni Vernski.
03:44.6
I agree, Vernski.
03:45.6
Sabi naman ni Jem, pwede naman itong both, need and want.
03:50.6
Agree din ako dyan. Diba?
03:52.6
Sabi naman ni MJ, want yan kung ginagamit lang for entertainment.
03:56.6
Pero sa totoo lang, ang entertainment ay meron din yung component ng need.
04:02.6
Kasi diba ang entertainment napapasaya ka niya?
04:05.6
Imagine mo kung ang buhay mo walang entertainment,
04:07.6
malungkot, mamamatay ka sa depresyon. Diba?
04:10.6
Okay, si Lovely Budgets, Hong Kong.
04:13.6
Need, if you use it for business, tama.
04:16.6
So if you use it for business and communications, want daw
04:20.6
kapag latest features and design, yung sinasabi.
04:24.6
If you just use it for everyday use without giving you income,
04:28.6
then it is wants.
04:30.6
If you access information, tama yan.
04:33.6
So kay Nora, need daw siya.
04:35.6
Need din daw yan if you use it for business.
04:39.6
So tingnan nga natin yung mga sinasagot natin dito.
04:42.6
You run your business or perform a job, then the mobile phone is a need.
04:47.6
Pero yung wants, pag nag-upgrade ka yung brand,
04:50.6
yan daw po ay want siya.
04:53.6
Sabi ni Maribel, parang nowadays, need siya kahit yung mura lang.
04:57.6
Totoo naman, diba?
04:58.6
Keep calm. Need if you use a phone for work.
05:00.6
Want if you play. Ha-ha-ha-ha. Okay.
05:02.6
E kung diyan lumahanap ang iyong one true love.
05:05.6
Uy, need yun ha, diba?
05:07.6
Mga Tinder-Tinder, mga Grindr-Grindr, diba?
05:10.6
Okay, Cupid, marami na kayong nagkakatuluyan sa mga ganyan.
05:14.6
So tama, may nagsabi sa atin kanina.
05:16.6
Sabi ni Jem, pwedeng need or want yan.
05:20.6
Ibig sabihin, mayroong need component at mayroong want component.
05:24.6
Other things na napulot ko from our, one more thing na napulot ko
05:28.6
from our candidates.
05:29.6
Ang sabi nila, sign na want ang isang mobile phone if you have more than one.
05:34.6
Kapag dala-dalawa daw yung cellphone mo, want daw yun.
05:39.6
Diba? O nga naman.
05:41.6
Hindi ko naman kayang magsabay na dalawa yung gagamitin mo.
05:45.6
So yun po ang titignan natin.
05:48.6
Ngayon, balik tayo sa ating discussion kanina, need or want.
05:53.6
Kasi sabi natin, ang pambili ng need ay active income.
05:58.6
Pambili ng want ay passive income.
06:01.6
So paano natin yun i-apply ngayon dito?
06:05.6
Kung tayo ay bibili ng generic phone na ito ay makakatawag,
06:10.6
makaka-access ng information.
06:12.6
Ibig sabihin, may internet, makakapag-Facebook naman tayo,
06:15.6
may entertainment din.
06:16.6
We can run our business or perform our job with it.
06:19.6
It can call, it can text.
06:22.6
Meron ding GPS kasi for safety din.
06:24.6
So ang generic natin ay it will cost about P10,000.
06:30.6
Ang want naman, kapag bumili ka ng iPhone 14 Pro at P80,000 yan,
06:40.6
need ba yan or want?
06:42.6
So titignan natin siya ngayon.
06:44.6
So yung generic phone, kung tayo ay bibili niyan dahil yan ay need lamang,
06:50.6
so yung generic phone natin dapat manggaling yan sa ating active income.
06:56.6
Ngayon, ito namang iPhone 14 Pro.
07:00.6
Yung P80,000 na yan.
07:02.6
Sabi natin, isang mobile phone that is suitable to address our needs
07:09.6
is worth P10,000.
07:12.6
And the worth of an iPhone 14 Pro is P80,000.
07:16.6
So paano ngayon natin bibilihin ang iPhone Pro 14 na yan?
07:22.6
Magkano ang magagaling sa active income?
07:24.6
Magkano ang magagaling sa passive income?
07:27.6
Ang kasagutan ko ay ito.
07:29.6
P10,000 magagaling sa active income at P70,000 ang magagaling sa passive income.
07:37.6
So dito sa passive income natin, you have to build your investments first
07:42.6
at antayin mo yan na mag-create noong income
07:46.6
bago mo gagamitin pambili ng mobile phone na iPhone.
07:52.6
So yan, yung kailangan tumubo ka muna ng P70,000 galing sa iyong investment,
07:59.6
galing from passive income.
08:01.6
So anong ibig sabihin yan?
08:03.6
Meron po kayong phone na greater than P10,000.
08:09.6
Dapat yung sobra sa P10,000 ay nanggaling ng passive income.
08:14.6
So in our example, yung P10,000 sa active income, sure naman, meron ka naman siguro yan.
08:21.6
E itong P70,000 na galing ng passive income, kung wala ka pa yan, wala ka pong karapatang mag-iPhone.
08:30.6
So yan po ang masakit na katotohanan dahil hindi mo pa afford.
08:36.6
Ang afford mo lang ay P10,000 from active income na generic phone.
08:43.6
Mag-ipon ka muna, gumawa ka muna ng investment mo sa kakabumili ng iPhone.
08:48.6
So how are we going to build your investments here?
08:52.6
So from our passive income, mag-isip tayo saan ba natin po pwedeng punin yan?
08:57.6
So yung 6% pag-ibig ay 7% ngayon kasi yung 6% ay nung 2021.
09:03.6
9% na co-op share capital, 12% na rental property.
09:10.6
Pwede rin sa stock market daw pero negative 0.15% siya yung last year.
09:16.6
So i-x na natin yan.
09:18.6
Ang tignan natin ay itong galing ng pag-ibig.
09:22.6
So let's say na 6% yung pag-ibig MP2 dividend rate natin.
09:27.6
So yung P70,000 na yan ay i-divide natin ng 6%.
09:32.6
That means we have to save P1.66M.
09:39.6
At yung P1.66M na yan ay ilalagay natin sa pag-ibig MP2.
09:44.6
Antayin natin na mag-one year at magkakaroon yan ng dividend
09:50.6
which will give us P70,000.
09:53.6
Only then will you be able to afford an iPhone
09:58.6
because that came now from passive income.
10:01.6
It came from dividend.
10:03.6
Ano ba yung ating passive income?
10:05.6
Dividend, interest, capital gains, royalty, pension.
10:10.6
Yun yung mga ilan sa mga rent.
10:14.6
Yan yung mga passive income natin.
10:18.6
Dito sa stock market, ayoko talaga sya.
10:22.6
Alam nyo kung bakit.
10:23.6
I'll show you this graph.
10:25.6
So ito o, kung anong level sya 10 years ago noong 2013.
10:32.6
Kung anong level sya noong 2013 dito na makikita ninyo.
10:36.6
2023, yun pa rin yung level nya.
10:40.6
Halos pareho lang yung change nya.
10:43.6
10 taon guys, walang pagbabago sa pera mo sa stock market.
10:47.6
So huwag na tayo dyan.
10:48.6
Taas-baba, taas-baba, rollercoaster ride.
10:51.6
We don't like that.
10:52.6
Ang gagawin ko, magbibenta ako sa mataas
10:56.6
at bibili ako dyan sa mababa.
10:59.6
Kahit na po yung mga magagaling na mga traders dyan,
11:02.6
hindi po talaga sila nila makuha na 100%
11:05.6
nakakabili sila pag mababa
11:06.6
at nakakapagbenta kapag mataas ang market
11:09.6
because the market is just so unpredictable.
11:13.6
So sa ating mga needs and wants natin,
11:16.6
huwag na muna natin i-prioritize yung stock market.
11:19.6
Stock market na yan.
11:21.6
Sige, kumpara natin sa share capital sa co-op.
11:26.6
Yung P1M ko noong 2005 na nilagay ko sa stock market,
11:31.6
it is now worth P3.13M.
11:35.6
Okay naman sya, P3.13M.
11:38.6
Pero kung compare natin sya dun sa P1M noong 2005
11:41.6
na inalagay ko sa co-operative investment ko.
11:44.6
Now it is worth P8.13M.
11:49.6
Ang diperensya po ay P5M.
11:52.6
Inyo na yung stock market.
11:53.6
Dun na lang po ako sa share capital.
11:57.6
Kapag ito kumpara na naman natin sa pag-ibig MP2,
11:59.6
P1M noong January 2015 is now worth P910,000
12:05.6
kapag nilagay nyo sa stock market.
12:07.6
Pero kung yung P1M noong January 2015
12:10.6
ang nilagay natin sa pag-ibig MP2,
12:12.6
it is now worth P1.68M.
12:17.6
Kaya talagang pag-ibig MP2
12:20.6
ang sagot natin sa ating mga savings.
12:23.6
Unahin po natin sya.
12:26.6
So, you build your investment.
12:28.6
So yung P1.67M natin na yan,
12:32.6
yan ay kung pag-ibig MP2 natin ilalagay.
12:36.6
Assuming na 6% ang dividend na makukuha natin per year.
12:40.6
Kapag naglagay naman tayo sa co-op share capital na 9%,
12:43.6
usually ang makukuha,
12:45.6
P777,000 lang yung kailangan nating isale
12:49.6
to be able to get that P70,000 passive income
12:52.6
para mabili natin yung iPhone na pangarap mo.
12:56.6
Kapag 12% yung return natin sa ating rental property,
13:00.6
P583,000 lang yung kailangan mo na isale.
13:05.6
Kapag sa stock market, ay nako, wag na. Negative sya.
13:09.6
Abonado ka pa. Ibig sabihin yan.
13:12.6
So, given this, titignan natin ngayon.
13:15.6
For example, you save P50,000 a month.
13:18.6
So how long will you be able to save P1.66M
13:22.6
if you save P50,000 a month?
13:24.6
That's approximately 33 months.
13:26.6
Kapag P777,000, that's approximately 15 months.
13:31.6
Kapag P583,000, that is approximately 12 months.
13:36.6
So saan mang gagaling itong mga ito na iniipon mo?
13:39.6
Galing po yan ng active income.
13:41.6
So ang sikreto ay,
13:43.6
nagkakaroon tayo ng active income,
13:46.6
yung active income dini-delay natin na gastusin
13:49.6
at ini-invest muna natin siya.
13:51.6
At yan ay tutubo ngayon ng passive income.
13:54.6
Yan po ang sikreto.
13:56.6
Ngayon, paano natin yan gagawin?
13:59.6
Ang mangyayari dito,
14:01.6
33 months ka na magsasave,
14:05.6
kasi sa pag-ibig MP2 to,
14:08.6
12 months ka na mag-aantay.
14:10.6
So that is equivalent to 45 months.
14:14.6
So halos walong taon.
14:16.6
Bago ka pa makapag-generate ng P70,000 na passive income.
14:21.6
Tapos nakikita ko na po kayo ngayon.
14:24.6
grabe naman, sir Vince.
14:27.6
Ang tagal naman ng apat na taon para magka-iPhone.
14:32.6
Pero yan po ang tinatawag natin na delayed gratification.
14:37.6
What does that mean?
14:38.6
Ibig sabihin kasi yan,
14:40.6
kapag tiniis natin yan,
14:42.6
nagsave tayo for 3 years,
14:43.6
nag-aantay tayo for 1 year 2
14:45.6
para tumubo yung ating inihipon na investment na yan,
14:50.6
kikita tayo ng P70,000 on the 5th year.
14:54.6
On the 4th year, kikita na tayo ng P70,000.
14:59.6
At ang mangyayari po yan,
15:00.6
every year from there, from then on,
15:04.6
hanggat hindi mo inaalis yung pera mo,
15:07.6
tutubo ka na ng P70,000.
15:12.6
Hindi ka na maghihirap-hirap pa.
15:15.6
So anong gusto mo?
15:17.6
Bumili ka ng iPhone ngayon
15:18.6
at lagi mo siyang pinaghihirapan galing ng active income.
15:22.6
You want to buy a phone,
15:24.6
ay, kailangan mo magtrabaho ulit, magtrabaho ulit
15:26.6
para bumili ka ng ganyan.
15:27.6
Pero ito, apat na taon ka lang magtitiis
15:31.6
and from then on,
15:32.6
kahit every year ka pa magpalit ng cellphone,
15:36.6
okay lang yun because it came from your passive income.
15:40.6
Oo, ha? Maliwanag po ba?
15:43.6
Yan po ang ating sikreto sa ating pag-ihipon.
15:48.6
So yung 12 months natin to invest,
15:50.6
so 45 months yan kung pag-ibig MP2
15:53.6
ang ating investment instrument,
15:55.6
27 months lang kapag co-off-share capital
15:58.6
ang ating titignan
15:59.6
at 24 months kapag tayo ay may rental property.
16:04.6
Na 12% ang return,
16:05.6
so you have to go back to our assumptions later.
16:09.6
So ang key naman talaga dyan ay,
16:11.6
meron kang pag-ibig MP2,
16:12.6
meron kang co-off-share,
16:13.6
meron kang rental.
16:14.6
So you diversify your investments.
16:19.6
Saan natin yan gagamitin?
16:21.6
Ano yung mga active income natin?
16:22.6
So ito kasi yung sa Miss Universe,
16:24.6
catwalk or gig or hosting nila,
16:26.6
yung business, salary from work,
16:29.6
at manalo na Miss Universe PH.
16:31.6
Ito po kasi yung slide ko na ginamit ko sa kanila.
16:33.6
So itong mga active income natin to na ngayon,
16:36.6
i-ipunin natin siya.
16:39.6
Tapos yung inipun natin na yan,
16:41.6
ay tutubo ng passive income kapag
16:44.6
pinilagay natin siya sa investment vehicles
16:47.6
tulad ng pag-ibig MP2,
16:48.6
co-off-share, capital, rental properties.
16:51.6
At idadiversify natin yan.
16:53.6
And what's the ideal?
16:59.6
you have all of these kinds of sources of income.
17:03.6
Multiple sources of income po tayo.
17:07.6
Maganda na gagawin natin.
17:10.6
Handa ka na bang lumevel up sa savings mo?
17:13.6
Join the SEDPICA Sosyo Community
17:15.6
and get started to be a social investor today!
17:19.6
Umatend ng self-paced online pre-membership education seminar.
17:23.6
Mag-sign up sa bit.ly slash sedpicooffpmes now na!
17:29.6
I-deposit ang iyong initial share capital,
17:33.6
at joint venture savings sa Gcash,
17:35.6
BDO Online Banking,
17:36.6
BPI Online Banking,
17:39.6
or Direct Bank Deposit.
17:41.6
Daming options, di ba?
17:43.6
Sundi ng simple instructions sa bit.ly slash sedpipay
17:47.6
para makapagsimula.
17:49.6
Mag-login sa iyong SEDP SRI online account
17:52.6
at ipaalam ang inyong deposit.
17:55.6
Go to bit.ly slash sedpionlinesri
17:59.6
at kami na ang bahala sayo.
18:01.6
Ano pang inihintay mo?
18:02.6
Sali na sa SEDPICA Sosyo ngayon
18:04.6
and let's start building a brighter financial future together!
