01:08.6
Okay. So Charm, kumusta ka naman?
01:14.1
At nung last kasi na nag-guest tayo, nag-guest kita dito sa Kusapang Pera ay
01:19.1
noong pang kasagsagan ng pandemic noong 2020.
01:23.1
So ano ang bago sa iyo ngayon?
01:25.1
I think more or less the same.
01:29.1
I think nung pandemic, nag-focus ako ng content creation.
01:33.1
Because my physical businesses had to take a pause, had to take a break.
01:39.1
We could not open.
01:41.1
Right now, everything's back up.
01:43.1
So parang I'm more or less juggling everything that we're gonna be talking about today naman.
01:48.6
Ayan. At yun nga, nabalitaan namin na mayroon kang 11 sources of income.
01:56.6
Lakakaloka naman ito.
01:58.6
So isa-isahin natin yung 11 sources of income mo.
02:02.6
Pero bago yan, mag-input muna tayo sa mga kasamahan natin.
02:06.6
Kasi ika-classify natin yung ating sources of income based sa active or passive income.
02:16.6
So yung active income po natin, ito po yung salary, part-time work, overtime work, commission, business income.
02:24.6
Ang passive income naman, ito yung rent, dividend, interest, capital gains, royalties, and pension.
02:30.6
At yung active income, kailangan nating magtrabaho para dito.
02:34.6
Pero yung passive income, invest in assets or management systems.
02:38.6
Tapos dumadating na lang yung ating income sa atin.
02:43.6
So umpisahan natin charm.
02:45.6
Nabalitaan ko kasi na mayroon kang unang income which is the district events.
02:54.6
Ano naman itong district events na yan?
02:58.6
So district events is a service company.
03:02.6
So that's where I earn an active income.
03:09.6
So we do food and lifestyle bazaars there.
03:14.6
So I used to, for Cebuanos or are familiar, I do pop district bazaar.
03:20.6
Yung mga nag-cater to small businesses para makapag-sell sila.
03:27.6
So I love doing bazaars, supporting MSMEs.
03:30.6
So that's mainly the events that we did in that company.
03:35.6
So itong district events, kayo mismo yung nag-organize nung bazaar?
03:42.6
So if wala kaming inorganize na bazaar, wala din kaming income.
03:48.6
So active talaga yan.
03:50.6
Kasi kailangan may gawin tayo.
03:52.6
And then you have the second and third which is in relation to Sugbo Mercado Group.
03:58.6
Ano ba yung Sugbo Mercado Group?
04:01.6
So Sugbo Mercado is our food market.
04:05.6
So similar to district events siya but all food.
04:10.6
And we're open almost every day.
04:13.6
So yeah, here are some examples or pictures.
04:16.6
We have three branches in Cebu and we're trying to add more.
04:25.6
So two and three siya kasi I have an active and a passive income from this company.
04:31.6
So I have my salary.
04:34.6
Actually, I'm actually in our office right now.
04:36.6
So I have an active salary overseeing the operations.
04:39.6
And being the finance director.
04:42.6
But I also have a passive income which I get by being one of the owners.
04:48.6
And that's through dividends.
04:50.6
So even if I don't work, even if I don't do anything, I still get from that source of income.
04:59.6
So actually yun yung isa sa mga magaganda na ginagawa ni Charm.
05:02.6
Kasi most of the time, those entrepreneurs na put up their own business,
05:08.6
hindi nila ma-separate yung kapital at saka doon sa labor nila.
05:12.6
So usually parang ako magkano yung kinita? Akin yan.
05:15.6
At saka yung hindi nagbabayad ng quote unquote ng sweldo sa sarili.
05:19.6
So kailangan i-formalize yan o the way that Charm did it.
05:24.6
Pero bago tayo magpatuloy Charm ay meron muna akong kaunting announcement.
05:32.6
So pa-plug lang natin.
05:35.6
Naglalilito yung cursor ko. Ayan.
05:39.6
Pa-plug lang natin. Ayan.
05:40.6
So mayroon tayong mga free webinars na ibibigay sa mga viewers natin.
05:46.6
And if you want to learn more about these webinars, basahin niyo po ang mechanics sa bit.ly slash Zedby webinars.
05:56.6
So pagpatuloy natin, meron ka rin isa pang source of income which is DualStory.
06:02.6
Ano naman itong DualStory?
06:05.6
So DualStory is another company that I have.
06:07.6
That we deal with branding and marketing.
06:10.6
So we, mostly our clients are corporations, government agencies, ganyan.
06:17.6
And we do brand strategy, marketing, and all of that.
06:21.6
So in this company, I'm also the finance director.
06:25.6
So I guess that's kind of the beauty of what I do with my companies.
06:29.6
Kasi I don't do all the operations.
06:33.6
Yung focus ko is finance.
06:35.6
So it's very aligned pa rin.
06:37.6
Hindi ako nakakonfuse kung anong gagawin ko sa iba't ibang companies.
06:41.6
Because majority of the time, I deal with the numbers.
06:45.6
Parang ang napapansin ko ay you're in the same sort of industries.
06:50.6
Kasi pag titignan mo yung food bazaar, malapit din yan sa branding eh.
06:54.6
So parang inaayos mo siya.
06:56.6
Pero at the same time, you're focusing within those companies, nasa finance ka.
07:04.6
So for the majority of my companies actually, we really mostly cater to other businesses.
07:09.6
Or especially for the bazaar and the food market, we're focused on encouraging MSMEs.
07:14.6
So we're really encouraging people to start their own business.
07:19.6
So totoo lang, kilala ang Cebu kasi talaga.
07:22.6
Para sa akin nga, ang Cebu is the design capital of the Philippines.
07:26.6
Ang daming mga creatives diyan.
07:30.6
Ang gusto ko lang ipanong ay,
07:32.6
How affordable are these?
07:34.6
Kasi sinasabi mo na, okay, for micro, small, and medium enterprises ito.
07:39.6
So let's say, I have a, ano ba yan?
07:41.6
Pwede ba, I have a carinderia and I want to get your services.
07:45.6
I-brand mo yun, pwede ba yun?
07:48.6
So it really depends.
07:49.6
Because our company also does pro bono work.
07:52.6
Part of our initiative is that we do help people who are trying to make an impact.
08:00.6
But they can't necessarily afford the services.
08:05.6
So we do work with NGOs.
08:07.6
We work with small businesses.
08:09.6
And we really allocate some of our clientele for pro bono work.
08:18.6
And then, your fifth source of income is of course your YouTube channel.
08:24.6
And if I remember correctly, ready to adult yan before eh.
08:29.6
Charm De Leon na siya.
08:33.6
So ano yung pagkakaiba?
08:34.6
Bakit naging Charm De Leon na from ready to adult?
08:39.6
So I changed my YouTube name to Charm De Leon because ready to adult is actually, I'm
08:44.6
making it another company na.
08:47.6
So ready to adult, people, other people are going to get to tell their stories about finances
08:55.6
And hindi na ako yung nasa in front of the camera.
08:58.6
So kaka-launch lang namin.
09:01.6
I partnered with another YouTuber, Nicole Alba.
09:04.6
I think you're familiar with her also.
09:07.6
Yeah, yeah, yeah.
09:08.6
And we're behind the scenes na.
09:10.6
More on producers na kami.
09:12.6
We invite guests to share their finances.
09:15.6
We invite people to talk about hard things like relationships or being a breadwinner and
09:24.6
So more on a production company na siya.
09:26.6
But we just started out pa lang.
09:29.6
And ang isa rin sa mga napansin ko ay, yun nga eh, you're creating a team to put up your
09:36.6
May mga separate na mga organizations and corporations.
09:40.6
Are these corporations or ano yung entities?
09:43.6
Majority are corporations.
09:46.6
I just have one that's a sole proprietor.
09:52.6
And then you also have sponsorship and brand deals.
09:54.6
So papano naman ito?
09:55.6
So papano naman ito nagaganap?
09:58.6
So majority of the content creators, they don't just earn kasi from one source of income.
10:05.6
So yun, like my YouTube earns from AdSense.
10:09.6
AdSense yung binabayaran.
10:11.6
Binabayaran ka ni Google by putting ads in your videos.
10:16.6
So si sponsorship and brand deals naman, that's another source of income.
10:20.6
So as a content creator, you can always choose to just have one source of income.
10:24.6
Or like there's a lot.
10:26.6
We'll talk more about the others later.
10:28.6
But sponsorship brand deals, this is where I promote brands and they would pay me.
10:34.6
So the brands that I promote are brands also that I already personally use and talk about.
10:40.6
There are other videos din on my channel of them na hindi paid.
10:44.6
So para siyang shooting two birds with one stone.
10:48.6
I'm already gonna talk about them.
10:50.6
Tapos babayaran din nila ako.
10:53.6
You would see other influencers and content creators also talking about mga food brands or mga products.
11:02.6
And a lot of times, those are paid brand deals.
11:09.6
How about yung iyong affiliate marketing?
11:13.6
So affiliate marketing is another source of income that hindi siya necessarily for content creators lang.
11:21.6
influence your families, your friends, relatives, or your Facebook profile.
11:27.6
You can post there.
11:28.6
So ito yung pera na nakukuha mo if you promote a product or a service.
11:33.6
And that product or service can trace that the referral came from you.
11:39.6
So para siyang referral fee that you get like a small commission from the product or service that you promoted.
11:47.6
So yung makikita niyong mga Instagram stories of people.
11:50.6
Like, oh, I got my glasses.
11:54.6
And click mo yung link na yun.
11:56.6
May commission makukuha yung mga content creators doon.
12:00.6
So this is not necessarily my strength.
12:02.6
Kasi as finance educators, hindi tayo masyadong nakakapagbudol.
12:07.6
But I know a lot of other creators that are...
12:10.6
Ito yung main source of income nila.
12:13.6
Sabi mo nga as a content creator, ikaw ba sa tingin mo?
12:19.6
Ano yung pinaka-okay na ginagamit ninyo ngayon as a social media platform?
12:28.6
I think right now, my main platform talaga is YouTube.
12:33.6
That's where I started, right?
12:35.6
But majority of the audience, the brand deals, and just the energy is going toward short form content.
12:44.6
So yun yung mga Instagram reels, TikToks.
12:47.6
I would admit na I'm not the best pa at those.
12:51.6
Mas gusto ko pa rin talaga yung long form.
12:54.6
Kasi madal-dal ako as you guys can hear.
12:57.6
But yun yung parang the audience is shorter yung retention ng audience eh.
13:07.6
So parang doon talaga pumupunta sa short form or YouTube shorts, Instagram reel, Facebook reel, tsaka TikTok.
13:16.6
Pero sa nababasa ko din, itong mga short form din, maski sa mga social media platforms, hindi yan kumikita for them.
13:24.6
It's actually an expense eh for them.
13:26.6
Dahil ang hirap mag-push ng ads sa short form.
13:29.6
Kaya kung mapapansin mo, even sa TikTok, I think they're already encouraging long form na i-upload na videos.
13:37.6
Mas mahipap yung click-through rate.
13:41.6
If you're going to promote something or if you're gonna talk about something,
13:45.6
whether it be a product, a service, a webinar, etc.
13:49.6
Mas mahirap siyang mag-convert ng mga tao.
13:52.6
Kasi ang ikli lang ng time mo to talk about something.
13:57.6
So that's why I like long form pa rin.
13:59.6
Correct. So yung mga short form na yan, I think maganda siya for brand awareness.
14:05.6
Kung baga, para makilala ka.
14:07.6
Ayan. How about, ito pa rin pala, yung pang-walo mo na source of income,
14:13.6
you can be invited for speaking engagements.
14:17.6
Yeah. So I started doing speaking engagements a lot during the pandemic.
14:23.6
It's much easier kasi I'm based in Cebu.
14:26.6
So online majority of the stuff, di ba?
14:29.6
So companies, schools, organizations, we all need financial education.
14:37.6
Kasi hindi siya natutunan growing up, majority of us.
14:42.6
So a lot of companies, their HR would reach out to educators like me and Vince
14:49.6
and have speaking engagements related to investing, real estate, personal finance.
14:56.6
So sometimes it's paid, sometimes it's not.
15:00.6
Okay. And then you also have your stock market portfolio.
15:05.6
Ayan. So kumusta naman ng performance ng stock position mo?
15:11.6
Yeah. It's been getting better.
15:15.6
I think we, I wouldn't say we've totally recovered from the pandemic,
15:21.6
but we're getting there.
15:23.6
Some certain stocks even surpassed what their value was before the pandemic, di ba?
15:29.6
So it's doing well.
15:32.6
It's one of my passive forms of income also wherein I get dividends,
15:38.6
I get capital gains,
15:40.6
even if wala akong ginagawa.
15:42.6
But I do check on it at least maybe once or twice a month.
15:47.6
Ayan. Pero ako curious lang ano,
15:49.6
would you recommend stock market investing for people na wala pang emergency savings?
15:59.6
So usually, kasi when I talk about personal finance,
16:04.6
especially when I do seminars, speaking engagements,
16:07.6
I have like a six-step process.
16:09.6
So that's earning, saving, and budgeting.
16:12.6
Yun talaga yung basic.
16:14.6
If you haven't done those, you shouldn't even move on to the next ones,
16:18.6
which is protection, which is emergency savings and insurance,
16:23.6
and then debt repayment or dealing with debt in general,
16:29.6
So for me, actually, even though investing is very important,
16:33.6
and I think it's been very overly romanticized the past two years,
16:38.6
you can't do it without taking care of the first five steps first.
16:44.6
Kasi I hear a lot of people talking to me about,
16:47.6
paano ba mag-invest tapos wala pa pala silang steady source of income?
16:51.6
Malaki pa pala yung emergency fund.
16:56.6
So these are foundational before you can start investing and investing aggressively.
17:02.6
So ako, I would consider myself medyo moderate to aggressive type of investor,
17:07.6
but I would not have invested if wala pa akong insurance, emergency savings,
17:12.6
and yeah, all of the things that we talked about.
17:15.6
Ayan, alam nyo na ha kung bakit na-invite si Pharm dito.
17:19.6
Kasi pareho pa nga lang mga chika.
17:22.6
Anyway, so I would like to invite you also sa our viewers,
17:26.6
if you want to check out our high-yield joint venture savings,
17:30.6
o bago kayo magpunta dyan sa stock market na yan,
17:33.6
ay mag-create muna kayo ng ating,
17:38.6
Okay, pagpatuloy natin.
17:40.6
Charm, ang iyong tenth source of income,
17:43.6
which is property management.
17:46.6
So ano naman lang ginagawa mo dito?
17:49.6
So for the property management,
17:51.6
I don't necessarily own the properties,
17:54.6
but I manage the guests,
17:56.6
the tenants that come into the property.
17:59.6
So ito yung through Airbnb,
18:02.6
short or long-term tenants.
18:06.6
So I talk to the owners
18:09.6
and set an agreement with the owners wherein
18:11.6
akong bahala mag-book ng mga tenants sa property nyo,
18:15.6
but I get a certain percentage from the profits.
18:20.6
So I'm the owners like that
18:24.6
because if I don't get them tenants,
18:26.6
I also don't earn, diba?
18:28.6
Kasi percentage ka.
18:31.6
I don't have the risk of owning a property,
18:35.6
the upkeep, the maintenance,
18:37.6
the expensive capital that's needed
18:40.6
for me to invest in a property.
18:44.6
I'm managing five or six properties
18:48.6
and I'm hoping to add more this year.
18:51.6
Actually, I have a friend who does this also.
18:53.6
So she already gave up her job sa Singapore.
18:57.6
Tapos yan yung ginagawa niya dito.
18:59.6
She's managing about 76.
19:01.6
Tapos mas mataas na yung kinikita niya from Singapore.
19:04.6
Kaya super happy.
19:07.6
And last but not least,
19:09.6
you have other sources of income pa, no?
19:12.6
So you have your seasonal,
19:13.6
occupational, retail,
19:15.6
egg-skewed bacon, diba?
19:18.6
Yung egg-skewed bacon.
19:21.6
I like to sell whatever I can get my hands on.
19:23.6
Selling ng pre-owned and unused stuff.
19:29.6
Ano itong monetary gifts?
19:36.6
Or yung sometimes na...
19:39.6
Sometimes I also have people who
19:42.6
just give me gift certificates
19:45.6
or a little money because they've learned from my videos.
19:49.6
Like they come in random.
19:52.6
Also dito din yung others,
19:54.6
yung mga nakukuha ko from high-yield savings accounts,
19:57.6
yung mga interest ko from my MP2.
19:59.6
I don't necessarily,
20:02.6
if you want to consider it a source of income,
20:04.6
technically they are
20:07.6
I just lumped it into others na lang.
20:12.6
At sabi nga ni Yannas,
20:14.6
naka-follow din siya sa YouTube mo
20:16.6
at marami daw nga silang natututunan, no?
20:22.6
So out of these 11 sources of income,
20:24.6
ano yung pinaka-favorite mo?
20:29.6
It's really the content creation.
20:31.6
Kasi it's one of my sources of income
20:35.6
that made me realize
20:37.6
how aggressive marketers and advertising people,
20:46.6
like the budget of advertisers and marketing.
20:49.6
It's made me realize the potential you can do
20:54.6
and so many more sources of income you can do
20:57.6
if you just have influence
21:00.6
try to have the right influence.
21:04.6
I'm very careful also of what I put out online
21:09.6
people listen to us
21:11.6
and it could be dangerous
21:16.6
if we see things that are not backed up by research
21:20.6
and stuff like that.
21:24.6
but it's also one of the things that I'm most scared of
21:27.6
kasi of the responsibility.
21:32.6
the source of income
21:34.6
that's giving you the highest amount?
21:41.6
If I don't lump all my,
21:44.6
I guess if you lump all of the sources of income
21:47.6
I get from content creation,
21:49.6
that would be that.
21:50.6
But there are four or five sources
21:52.6
coming from just one job, diba?
21:54.6
But if individually,
21:55.6
I guess it would be my business,
21:58.6
It's the longest also.
22:00.6
We've been operating for almost nine years now.
22:03.6
So it's one of my biggest sources of income,
22:13.6
thank you very much,
22:15.6
sa pagpapa-unlock mo sa amin dito.
22:19.6
how will they reach you?
22:21.6
Aside from YouTube,
22:22.6
ano pa yung mga social media accounts mo
22:24.6
that they can follow?
22:27.6
So I'm on Facebook,
22:33.6
or at TheLeonCharmin.
22:35.6
You can just be careful
22:37.6
of all the fake accounts.
22:39.6
I know Vince is also struggling with that.
22:41.6
All finance creators are.
22:43.6
But just make sure to follow the verified
22:46.6
and the correct account.
22:48.6
The one with hindi uploaded all the same day
22:52.6
yung mga content.
22:54.6
it's an epidemic for finance creators.
22:57.6
I post content about budgeting and adulting.
23:05.6
I remember yung pinag-usapan natin dati
23:06.6
ay yung second-hand cars.
23:08.6
And I really enjoyed that a lot also.
23:12.6
I'm about to buy my second-hand car.
23:17.6
I'm re-watching my videos
23:19.6
kung paano ko siya ginawa before
23:21.6
so that I can remember what to do now.
23:26.6
So maraming maraming salamat, Charm.
23:27.6
At kung ako mag-away sa Cebu,
23:30.6
I will make it a point to visit you.
23:37.6
Thank you very much.
23:39.6
Have a good night.
23:40.6
Good night, guys.
23:43.6
O kaya po si Charm De Leon.
23:46.6
At nakausap natin.
23:50.6
kung isa-summarize lang natin
23:51.6
yung pinag-usapan namin kanina,
23:53.6
I'd like to share
23:54.6
itong framework na ginagawa
24:01.6
which is yung sasikreto ng tagumpay.
24:03.6
And if you take a look at what Charm did,
24:05.6
nandun yung mga ingredients.
24:08.6
Meron siyang kaalaman,
24:10.6
at meron siyang mga kakilala.
24:11.6
Very important yun
24:12.6
kasi sabi ko nga kanina,
24:13.6
kinukwarm niya yung mga teams.
24:15.6
Hindi lahat siya yung gumagawa.
24:17.6
Pero as you saw in her,
24:19.6
talagang nandyan yung skills and knowledge
24:21.6
and how to do it.
24:23.6
if we have these first three
24:25.6
to do our business
24:27.6
or to do our work,
24:30.6
pag dumating yung kapalaran natin,
24:31.6
which is yung luck,
24:33.6
ay handa tayo na i-take advantage yun.
24:36.6
At hindi siya lalampas sa atin.
24:41.6
Ako po si Sir Vince,
24:43.6
ang inyong financial guru
24:45.6
na sasabing ang pagyaman na pag-aaralan
24:47.6
at na pag-tutulungan.
