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Paano Yumaman Ng Walang Puhunan | Boni De Jesus Interview with Chinkee Tan — Transcript

by Chinkee Tan · 8,935 words · 1,255 segments · language en · Watch on YouTube

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0:00because the key in business is not the
0:02money but the ability right so pag
0:04nag-i-start ka ng business inaaral mo eh
0:06There's no such thing na alam mo na
0:08lahat eh you only learn the business
0:09when you do it and you do it step by
0:11step you only learn the second step if
0:14you have mastered the first step may
0:15uncertainty talaga ang business Pero
0:17kailangan i-red duce mo Iyung
0:18uncertainty because business that has so
0:21much element of uncertainty It's
0:24difficult to manage you know the failure
0:26of business does not happen when the
0:28business is still small it usually
0:30happens pagka lumaki na I'm saying na
0:32during a Crisis Makikita mo talaga yung
0:34tunay yung tunay na ano na negosyante
0:38nakatindig Hi there this Shin kitan your
0:41pambansang world coach Welcome to
0:42another wonderful episode of our YouTube
0:45channel sa episode natin na ito I'm
0:47going to interview someone that I really
0:49look up to Ever Since Uh when I was
0:51starting especially in my faith Walk
0:54With God and May nakilala talaga akong
0:56isang Ah yun nga business person na
0:58talagang a man of integrity and then
1:00kung ano yung sinasabi niya he really
1:02Walks the talk kaya nga I invited him in
1:04the session para tayo ay matuto po sa
1:06kanya Let us welcome an entrepreneur at
1:08the same time a business consultant Mr
1:10Bonnie desus Hi Bonnie Hello there Hello
1:13chinky thank you for having me here
1:15nakatuwa Hindi ah we go way back no Yeah
1:19I Remember You Were My first tawag pa
1:21natin cell leader di ba small group
1:24leader di ba you were in your 20s
1:26Tandaan mo ikaw yung ikaw yung nasa
1:30namin nagli-lead ng ano ng small group
1:32nag-i-invite kami ng mga guest and that
1:34was 1990 plus 1990s 199 were so young
1:37you were single nga di ba single pa ako
1:39during that time Grabe yyun so we go Way
1:42Back and nasubaybayan ko talaga yyung
1:44buhay ni Bonnie no how he was able to
1:46raise his family he's a family man Uh
1:48with How many kids we have three three
1:50Kids two are married Uh one single Uh
1:53one apo Oo at saka Inabutan ko pa nung
1:55itim na itim pa yung buhok niya eh at
1:58saka yun nga ah so before we start no i
2:01just like probably to introduce you to
2:04the people Who's watching this video
2:06Please give us introduction about
2:07yourself well Uh I'm am 74 years old
2:11happy married to Stella and perhaps you
2:14saw her in my tiktok also No you saw her
2:17in her vlogs and Uh we have nga tatlong
2:21anak all adults all in business and one
2:24apo and Uh I have been a business
2:27Finance consultant for more done Uh
2:30three decades No I started with Uh
2:33helping Uh small and medium enterprises
2:36get funding from the bank so I help them
2:39plan their business I help them grow
2:41para makabayad sila So doon ko
2:43naintindihan chinki yyung Ano yyung
2:44pagiging ah entrepreneur na nag-uumpisa
2:47pa lang ang dami kong mga kliyente non
2:49mga hardwares mga food companies bake
2:53shops maliliit ah gawa ng patis no
2:55maliliit na kumpanya It is a cottage or
2:58or backyard ah ah enterpr na tinulungan
3:01ko fing BS so mga magkano yung Para
3:05kunyari mag-start ah mga Magkano
3:07inuutang nila Well at the time it was so
3:09small like
3:11100,000 sometimes sa 300,000 ganyan and
3:15then as i Uh work on them no
3:18napo-promote ako ni Lord sa bigger
3:20companies no naging medium scale naging
3:23milyon na yyung mga tinatrabaho ko
3:25hanggang naging large scale na yung mga
3:27kliyente ko no so papalaki din naman
3:29yung kita ko habang nag-i-improve yung
3:31aking knowledge of business no So paano
3:34Kumikita ang isang financial consultant
3:36to Yun nga to help them with the funding
3:38Well I am Uh unique in terms of Uh
3:42dealing with my clients Nono saakin kasi
3:44if I don't deliver I don't get paid at
3:46all m so I do the project study the
3:49business planning I do the presentation
3:51with the banks with the funders no and
3:53then the deal is pagka na-approve Iyung
3:56loan then that's the time I get paid in
3:58fact Uh most of the time when the loan
4:00is released I get a percentage kumukurot
4:02lang naman ako d sa sa lo can you give
4:05us an idea lang parang may idea lang mga
4:06ilang percent kasi ganon iyung mga well
4:08it ranges before because Uh at the time
4:12small companies ang single ko 1 to
4:151.5% mga ganon affordable siya
4:18affordable siya an ngayon fraction na
4:20lang kasi malaki naman yung ano e
4:21billions yung ano yung aking mga deals e
4:24so right now let's go back So yun nga
4:26you've been doing that for 30 years so
4:29I'm sure ka an expos ka sa mga
4:31businesses So ano siguro sa palagay mo
4:34ang pinaka pitfall O pitfall ng mga mga
4:38businesses ang kadalasan ang you know
4:40ang mga kliente ko ah during that time
4:43na talagang masasabi ko magagaling mga
4:45Chinese they really know how to do
4:47business and I realized that Uh they
4:49talk about business over the dinner
4:51table ganon sila kaano casual casual And
4:55naging part ng culture nila kaya When I
4:58talk to them Alam ko magaling to Alam ko
5:00magaling Ong Chinese na ito kasi ah
5:03lahat sila without any Exception lahat
5:05sila nag-umpisa ng maliit without almost
5:07without capital and you know they
5:10started getting employed naging salesman
5:12sila and then they understood the trade
5:14and then they started the business so
5:16nanggagaling siya doon sa na-develop
5:18niyang kaalaman pwedeng sa parents niya
5:20pwedeng nung high school siya or college
5:22siya nagbebenta benta na siya so
5:24nag-uumpisa dun sa ano kaalaman tungkol
5:27sa negosyo Yeah can you cite as one
5:29siguro ano para mas clear sa mga ano tao
5:32may kakilala ka bang isang kilalang
5:34brand na talagang nag-umpisa na
5:35natulungan mo ngayon malaki na ah Splash
5:38was my client Oo Yeah nung nag-umpisa
5:42siya wala rin talaga Ay naku Oo nakita
5:44ko yyung factory niya nung nag-umpisa
5:46siya and this is a ano This is a story
5:48that they themselves wrote a book about
5:51and publish it kasi they became an
5:53inspiration for many Filipinos na
5:56gustong maging global No because they
5:58became global eh i became director of
6:00that company nasa board ako ah later No
6:03but when they started nakita ko yung
6:04operation nila no may mga drum may tubes
6:07may mga bote nililinis ng mga mga
6:10workers no nakita ko Iyun no and then
6:12they they grew so fast No you know you
6:14know the key that they taught me Sabi ko
6:16How come you grw so fast Sabi ko
6:19na-amaze din ako sa kanila bakit ang
6:21bilis sabi nung ah Kaibigan ko ah Sabi
6:24niya you know ah kami mag-asawa we keep
6:27on learning we keep on studying
6:30sabi niya we cannot go to school anymore
6:32because we don't have time but we buy
6:34those Tapes dati mga vhs vhs Tapes yung
6:38mga we buy those sabi niya and we we
6:40listen we invest in learning sabi niya
6:43That's how we grw Grabe so guys nung
6:46Makikita mo talaga na talagang ung
6:48masasabi niyo talaga na hindi talaga
6:50problema muna ang kapital eh ' ba Hindi
6:52eh Oo Oo kasi capital will follow e
6:55kahit na may capital ka pag wala kang
6:56alam wala kang magagawa right Oo you
6:59know ah the thought of money and how we
7:02relate to money and how we think about
7:05money could be a limitation for us e '
7:07ba So tigan mo ha let's say ah dumami
7:10pera mo And then you think of business
7:12okay and sasabihin mo Anong business
7:14maganda pasukin So may pera ka So may
7:16nagsabi sayo ito pasukin mo Ong business
7:18na ito x business no So may pera ka non
7:21so kinuwenta mo Magkano ba para pumasok
7:23sa business na yan tinaya mo ngayon eh
7:25wala kang alam doun sa business na yon
7:26ubos ka ' ba because the key in bus bu
7:29is not the money but the ability right
7:32So In My entire career in my decades of
7:35career in business financial consultancy
7:38nakita ko yan yyung magagaling is they
7:42started with almost nothing and then
7:44papalaki solid masasabi kong may
7:47tinatawag sa business na ampaw yan ampaw
7:49walang laman pero yung solid Makikita mo
7:52nag-umpisa sa maliit papalaki ng
7:53papalaki solid ang growth kasi ang
7:55principle is this No if you grow your
7:58ability in term of your ability to
8:01manage the business habang nag-grow yan
8:03nag-grow yung business mo din di ba pero
8:05yung nag-grow yung business mo at hindi
8:07kaya ng ability mo anong mangyayari
8:10kakagulo di ba mag-collapse yyung
8:11business mo and H is a principle kung
8:14lalaki Yung business mo beyond doon sa
8:17ability ng organization mo to handle it
8:20mag-cram mag-cram Iyung business mo
8:22there are two things that you have to
8:24understand in growing a business number
8:26one is your ability which translates
8:28into ability of the organization dahil
8:31ini-import mo yung ability mo pinapalaki
8:33mo organization mo para ma-handle yung
8:35mas malaki then number two is your
8:37Finance So if you are not conscious of
8:39those two things sabi mo Ang laki ng
8:41market daming bumibili sa akin so
8:43i-expand mo na i-expand m benta ka ng
8:46benta your organization cannot handle it
8:48anong mangyayari ' ba parang nagpatayo
8:51ka ng bahay no patong ka ng patong ng
8:53floors Oo yung kulang sa pillars kulang
8:56sa Foundation bibigay bibigay yon so
8:58let's cut it down no parang namnamin
9:01natin yung first is the ano ability ah
9:04would you say na talagang your business
9:06will only grow based on the ability that
9:08you have ' ba Oo kung konti lang ang
9:11Alam mo konti lang ability mo kokonti
9:13lang yung growth mo oo kokonti lang kaya
9:15m hawakan ability mo ba pero kung ikaw
9:18na- increase mo yung ability mo ' ba
9:20Kaya nga yung sinabi nga ng may-ari ng
9:22Splash ang key number one is learning
9:24pag natuto ka number two yung ano rin
9:27finances din ' ba financial din so let's
9:29talk about finances Is it advisable na
9:32kunyari bago lang ako Wala ako pang
9:34kaalam-alam sa negosyo mangungutang na
9:36ako agad papatulong na ako o Bonnie
9:37tulungan mo na ako mangungutang ako
9:39magnenegosyo ako good question ano I
9:41don't advise na umutang yyung negosyante
9:44when he's starting a business Bakit kasi
9:46ang transaction ng lending ano and
9:48borrowing is premise on the fact that
9:50the one Who's borrowing kaya niyang
9:53i-multiply yyung Resource na iyon
9:55through profits para maibalik niya with
9:57interest so happy parehong part pero
10:00assume mo na nag-uumpisa pa lang ako
10:01humiram ako sayo ng pera Sabi ko
10:04kailangan ko magnegosyo humiram ako
10:06hindi sapat yung aking kakayanan Hindi
10:09ako marunong pa dahil let's face it pag
10:11nag-i-start ka ng business inaaral mo eh
10:13There's no such thing na alam mo na
10:14lahat eh you only learn the business
10:16when you do it and you do it step by
10:18step you only learn the second step if
10:20you have mastered the first step hindi
10:22pwedeng bigla ngayon hindi ko alam eh so
10:24umutang ako sayo anong anong klaseng
10:26utang yon ang utang ibig sabihin sigur
10:29sigurado akong babayaran kita yun ang
10:31tinatawag na utang tama tama kung hindi
10:33kita babayaran hindi utang yon Oo and
10:35donation donation donation yon So pwede
10:38mag-donate ka sa akin no so ah I don't
10:41advise Kasi bakit ka uutang para
10:43mag-handle ng malaking business na hindi
10:46mo kakayanin mag-umpisa ka kung meron ka
10:48kung magkano meron ka And that's the way
10:50I started Actually my financial
10:52consultancy I didn't have any money At
10:54All it was purely my ano my expertise na
10:58na-develop in my employment no and
11:00That's why I teach that because I have
11:01learned it I have seen it in many
11:03companies that I have help Uh in getting
11:06funds from the banks No I have seen it
11:09and I have seen the failures also hindi
11:11lang yyung winners na kita ko iyung mga
11:12failures na kita ko din so guys ha
11:14Makikita mo talaga no na ayan nga This
11:16is from a a wise advice from a wise
11:20person kung mag-uumpisa po kayo ng
11:22negosyo Hwag kayong mangutang agad kasi
11:24nga there's more chances of losing ' ba
11:27malulugi ka talaga eh trial error eh so
11:30right now When is the right time for me
11:32kunyari ah to Oo ' ba mangutang na ako
11:36Kailan When's the right time Okay This
11:38is the principle no and I bar when i
11:40Baro I am actually using other people's
11:42money OPM OPM ' ba o why will another
11:45person and trust the money to me okay
11:48because he has so much na gusto niya
11:51palaguin kaya interest niya saakin ibig
11:53sabihin magaling ako kaya niya interest
11:55sa akin yon ' ba So anong masasabi ko
11:57about borrowing na ako magaling no
12:00magaling ako kasi na-prove ko na solid
12:02yung aking expertise na buo ko yung
12:05kumpanya kabisadong Kabisado ko yung
12:07business model napapalaki ko okay
12:10dumating ako sa point na Magaling yung
12:12organization ko may market ako pero
12:14kulang satisfied pero kulang ako ng
12:16pondo m doon papasok si OPM m ngayon
12:20Happy ka na intrust mo yung pera sa akin
12:22kasi alam mo lalago at alam mo
12:24nakakatulong ka kaya happy ka that's why
12:26the banks have that premise no na Okay
12:29ah Who are they accountable to They're
12:32accountable to the depositors because
12:34they're using the money of the
12:35depositors So hindi na pwede Basta
12:37ipaubaya yung pera kahit kanino so they
12:39have to make sure na yyung umuutang
12:41kayang ibalik with interest
12:51ine-expect meron na meron na meron na
12:54Pero yun nga yung pagkakamali ng
12:56karamihan ng mga nag-uumpisa eh ang
12:58mindset nila again wala akong puhunan eh
13:00kaya hindi ako makapag-umpisa ganito
13:02suggestion ko there are two ways of
13:04financing your business okay one is Deb
13:07the other one is equity capital which
13:10means hindi siya utang In other words
13:12pagka kinuha ko yyung pera mo as equity
13:14you are Sharing the risk with me mm
13:16you're telling me Bonnie naniniwala
13:18talaga ako sa concept mo sige buuin
13:20natin ang ganda Alam ko merong customers
13:23yan at Matutulungan kita sa market
13:25sabihin mo Matutulungan kita sa market
13:26kasi si x company si y company kilala
13:29ako yan ang market natin ano So tataya
13:31ako SAO buuin natin so ang ibig sabihin
13:33financial investor ang kausap niya Ikaw
13:35ah equity in terms of yung expertise and
13:38alam mo yun Yung ano o Oo alam ko oo
13:40ngayon mag sabihin ko wala akong pera eh
13:42pera SAO akin yung expertise mm Okay
13:45sige let's go along That line Oo Bonnie
13:48teach us Kung ganon ang line paano ang
13:50hatian ito na yon Ano usually diyan
13:53nagkakaproblema
13:55sa kasi flexible yan eh flexible yan ano
13:58ang ang prinsipyo diyan is this No yung
14:01magpapatakbo dapat malaki stake niya
14:03ngayon SAO n galing equity ako yung
14:05magaling magpatakbo ng business concept
14:07ko ako nag-develop ng product ako
14:09nag-imbento so more or less dapat 60 or
14:1270% SAO Oo majority ako 30 to 40% ako
14:17Yes you know why bakit let's say sabihin
14:19mo naconvince mo ako Bonnie 5% ka na
14:22lang extreme natin 5% ka na lang 95% ako
14:25kasi akin naman yung pera eh do you
14:27think I will spend time on that business
14:28pag k problema hindi hindi hindi kasi
14:31ang laki na ng problema ' ba Naubos na
14:33ang oras ko Tapos 5% lang naman ako dito
14:35iwanan ko na ' tama ' ba it's good for
14:37both parties na malaki iung stake ko
14:40kaysa sayo kasi ako nandon araw-araw eh
14:43' ba So that's the concept of having Uh
14:46a partner na siya yung nagpapatakbo it's
14:49called industrial partner and noww ikaw
14:50yung kapital pwedeng maging ganon so
14:53let's go back Yun nga so ito lang yan no
14:55yung parang Ah okay may financial
14:58partner ako Ako naman yung ano yung
15:00industrial ' ba yung industrial effort
15:02sadad ako yung financial partner ikaw
15:05industrial partner ako industrial ah
15:07should I gyan right now ako nagwo-work
15:09eh ' ba at ah I have 70% or 60% should I
15:14also ask for a salary and a compensation
15:17pwede pwede because Bakit your your
15:21share in the company is different you're
15:24an owner If You Own shares That's a role
15:26that you play as an owner The Role that
15:28I play in Run the company is as an
15:30employee of the company whether CEO ko
15:33or vice president I submit to the board
15:35which is me and you that's the board
15:38nag-uusap tayo policies paanong
15:40direksyon Anong vision natin pagdating
15:43dito employed ako So may salary ako ikaw
15:46as an investor wala kang salary because
15:48you just put in the capital at saka
15:50importante rin na magkaroon ng salary
15:52for the following reasons number one
15:54Syempre Paano yung needs ko ' ba kunya
15:56hindi pa naman pwedeng mag-declare ng DB
15:59ko oo ikaw hindi kasi pera yung nilagay
16:01mo ' ba umos ang oras ko as employee of
16:04the company ' ba So it's just fair no
16:07Kasi kung hindi ganon hindi rin tatakbo
16:09walang motivation it's good for both
16:11parties at saka isa pang kagandahan
16:13Siguro doun yung kung may salary yung
16:15tao in the near future in the near
16:17future Like for example magha-hire na
16:19sila talaga ng tao to do the work
16:21exactly o mas madali mong i-transfer
16:24ngayon sa May pondo na Eh nakita mo Alam
16:27mo pag isa pang pagkakamali yan ano pag
16:29kayung nagpapatakbo hindi kumukuha ng
16:32salary dun sa kumpanya the profit
16:34picture of the company is not really the
16:36real picture you have to get salary from
16:39the company so that you know if it's
16:41making money or not profitable or not '
16:43ba kasi wala kang salary kumukuha ka
16:45lang pag kailangan mo halimbawa
16:47halimbawa tingnan natin single
16:48enterprise kuha ako ng kuha ng ako yung
16:50nagpapatakbo nung tindahan nung shop
16:53whatever kuha lang ako ng kuha ng salary
16:55pagkak kailangan ng sa bahay kuha ako
16:57may emergency kuha ako Oo kailangan ng
16:59pangu kuha ako kailangan ni misis kuha
17:01ako May nakita akong magandang kotse
17:03kuha ako anong mangyayari sa kumpanya
17:05hindi lalaki hindi lalaki and besides
17:07Baka malugi kasi the cash flow is
17:09affected if you keep on doing that now
17:11My suggestion is ah Minsan hindi
17:14matanggap ng iba kasi Nakasanayan na ano
17:16my suggestion is alamin mo kung magkano
17:18ang kaya nung kumpanya na ibigay as
17:20salary na fixed ngayon kung may fixed
17:22salary yung household mo madali kang
17:25mag-budget sa household mo at kung may
17:27fixed salary na nire-release sa'yo ung
17:29kumpanya mas madaling mag-budget ung
17:31kumpanya tama so madali kaang magplano
17:33in both sides at ung mga empleyado mo sa
17:35kumpanya hindi nililito sasabihin nung
17:37ecounter boss Ubos na ang pera natin
17:39Bakit saan napunta eh bumili ka ng kotse
17:42boss eh nung ano kahapon kinua na naman
17:45yung pang fondo natin hindi which is the
17:48normal Ito lang mga kaunar na nakikinig
17:51diyan ha Yan ang normal na mistake ng
17:53mga startup na pinagsasama ang personal
17:56na pera at saka kumpanya ' ba oo hindi
17:59lang yon pag pinagsama mo yan si whether
18:01si mister yung nasa business o si misis
18:03pag-uwi niya Kasama din niya yung
18:05negosyo sa bahay k niyo imagine that
18:07yung mga anak mo mainit ang ulo mo kasi
18:09yung isang empleyado mo pinainit yung
18:11ulo mo pagdating mo sa Dinner table ang
18:13init pa rin ang ulo mo Hindi ba affected
18:17Hindi mo kasi mapag kailang ipaghiwalay
18:19mo talaga so ito na in your years of
18:22yung consultancy at the same time Ano sa
18:25palagay mo ang isang pinaka
18:27pinakamalaking mali na dapat dapat
18:29iwasan ng mga nag-uumpisa at
18:30nagnenegosyo ako maraming pagkakamali
18:33ano Pero ito masasabi ko ang isang
18:35businessman na nag-succeed sa market in
18:38selling and selling very good kasi let's
18:41face it non ang start ng business is
18:42really selling pag hindi ka marunong
18:44magbenta wala kang business okay Pasok
18:46ka sa market you're successful in your
18:48marketing so dumating na iyung company
18:50mo sa Next Stage se-set up mo na iyung
18:52operations no para may department ka na
18:55but your mindset is still that of a
18:57salesman ikaw mayari salesman ka pa rin
18:59kasi sabi mo Ang galing k magbenta eh
19:01benta ka pa rin ng benta Okay anong
19:03mangyayari ano hindi ka nag-change ng
19:05heart from being a salesman to a general
19:07manager anong mangyari sa kumpanya mo
19:09kasi You have to rise above the
19:11different aspects of business operation
19:14marketing Finance You have to rise above
19:17that nakikita mo na orchestrate mo to
19:19unite them towards the goal ngayon
19:21marketing ka sabi mo sa operate Bakit
19:23ang tagal nung Bakit yung imbentaryo
19:25niyo ubos wala akong maibenta nagalit ka
19:29e ikaw din yun e hindi mo min yung ano
19:31mo e operations mo e ba ang gulo ang
19:34gulo sabihin mo Bakit wala tayong pera
19:36eh Ikaw din yun yyung financ manan mo
19:37sinas binigay SAO yung report hindi mo
19:39binasa eh You have to rise above that
19:41and read the financial report alamin mo
19:44kung communic ba tayo kabasa yung Cas
19:46flow natin may cash pa ba tayo bukas
19:48next month alamin mo kung ano yung
19:49nangyayari Alam mo lahat yan You have to
19:51orchestrate you have to motivate your
19:53people now if you're the salesman still
19:55galit ka Hindi na-deliver yung ano mo
19:57operation mo kulang iung inventario
19:59galit ka affected Iyung sales mo You
20:01have to rise above that so para sa mga
20:03nag-uumpisa naman na kunyari nagbebenta
20:07small scale ngayon Lumalaki na pero
20:08hindi nila talaga gifting ang ano What
20:11can you advice naman yyung mga hindi
20:13gifted to become a manager or to become
20:15a ano company owner talaga What can they
20:18do Alam mo Iyung gifting ano iyan eh
20:20myth Ian eh myth iyan Alam mo engineer
20:22ako pero bakit ako natuto ng Finance
20:24It's a meet to say na itong taong to
20:26gifted lang dito kasi everyone of us pag
20:29Tinignan mo sa Bible I saw it in Genesis
20:32meron tayong creative ability because we
20:34are created in the image and like of a
20:37God who is a creator ang difference lang
20:39natin is we create out of something
20:42resources di ba but he creates Out Of
20:44Nothing di ba The Other ability that He
20:47gave us is management sabi niya multiply
20:50thrive take Dominion that's management
20:53totoo right so it's creativity and
20:55Management Okay so you have to be good
20:58in both ang problem kasi is minsan ag
21:01ako creator lang eh create lang ako ng
21:02create Anong mangyayari sayo you don't
21:04manage your finances you don't manage
21:06your time you don't you're not
21:07disciplined create lang k iun lang gusto
21:09mong gawin di ba You have to manage your
21:11time your health everything ' ba that's
21:13management pag combine mo Iyung creative
21:16tsaka management value you create value
21:19and you manage what money comes to you
21:21and you manage to keep it growing then
21:24you have a business that keeps on
21:26growing ang problem is hindi natin
21:29nakita natin hindi natin nakita yung
21:31sarili natin as good managers why
21:34Because management involves discipline
21:36masakit yyung discipline kasi alam mo
21:38pagka nag-handle ka ng business It's a
21:40dynamic organism eh Hindi siya straight
21:42line ' ba totoo yun there are things
21:44that you didn't predict It's happening
21:46Ayun nga maganda sa papel e yyung
21:48business plan e oo agag in-execute mo
21:51iba na p iba na siya no you can only
21:52write down on paper what you see in the
21:54past but you cannot see in the future So
21:57what you can write in the on paper is
21:59what you saw in the past pino-project mo
22:01sa future Pero itong projection mo is
22:03not necessarily that's gna happen di ba
22:05there are things that will happen and
22:07kailangan may critical thinking ability
22:09ka meron ka ability to evaluate to
22:11analyze and then to act fast ganun ang
22:13ganon ang negosyo It's a dynamic
22:15organism na kailangan ah maalagaan mo '
22:18ba nagre-rate ka ng anak mo the way you
22:20treat your child is not the same as the
22:22way you treat a teenager the way you
22:24treat a teenager is not the same the way
22:25you treat an adult nagg-gym
22:28sa mga anak ko non Alam mo pagka
22:30Lumalaki na kayo Kayo na magtuturo sa
22:32amin Tama kasi nagg-gym
22:35kaalaman kayo na hindi ko alam ' ba So
22:38ganun din sa organization una sig balik
22:41tayo ulit sa para I Don't Want to Miss
22:43that part Eh yung sa creation and
22:45Management eh Kung magaling ka
22:46mag-create pero pag poor ka sa
22:48management ubos ubos ' ba parang ano yan
22:51tinuturo ko yan eh yung chip method Ah
22:53magaling kang gumawa ng pera ' ba pag
22:55hindi ka marunong humawak ng pera ubusan
22:57ang pera mo so yun yung parang pinaka
22:59essence no magaling kang magnegosyo Pero
23:01pag hindi ka noon mag-manage ng Negosyo
23:03mo hindi siya lalaki or hanggang sa
23:06certain limit lang siya limit so sa
23:08palagay mo ang solution ba niyan is
23:10either I learn it ako mismo or should I
23:13get someone or hire someone or partner
23:16with someone Who's good at What They're
23:17doing what do you suggest there are
23:19different Talents no Iyung hinire ko mas
23:22magaling ka sa siya sa area na magaling
23:25siya Hindi ako kasing galing sa kanya d
23:27sa area na yon ' ba ' ba sa sales mas
23:29magaling siya doon or operations mas
23:31magaling siya doon digital marketing
23:32whatever mas magaling sila doon but as a
23:34general manager I'm a team leader I know
23:36how to orchestrate the different
23:38departments yun iung difference namin
23:40hindi niya kaya gawin yung ginagawa ko
23:42So may pagkakaiba ion no so creativity
23:45and Management sabi natin Ano value
23:47creation which is Actually business
23:49creates value and then managing What
23:51comes in and managing papalaki now the
23:54hard part is management why Because
23:56creativity is not natural di ba natural
23:59yan but Discipline is not natural to us
24:02It's something that we have to decide on
24:04na kahit mahirap gagawin ko yung
24:06pagtatakbo ng business may masarap na
24:09parte gustong gusto ko benta-benta pero
24:11yung mahirap na parte is reading the
24:13financial report and analyzing it and
24:15making a decision tough decisions Minsan
24:18yun ang ayaw ko kung gagawin ko lang
24:20yung gusto kong gawin dahil favorite
24:22aspect ko yan Hindi siya lalaki hindi
24:24siya lalaki magkakaproblema pa That's
24:26why you have to rise above organization
24:29and be able to say guys pare-pareho tayo
24:31nahihirapan dito mahirap Ong parte ko
24:33mahirap din parte niyo Let's make a ano
24:35commitment ang suggestion mo learn or
24:38hire Uh you don't have to learn
24:39everything that's why if you need
24:41somebody who is good in Finance because
24:43you are not well ver in Finance then get
24:45somebody who is good in Finance But you
24:48know Finance is very simple if your
24:50finan man is a very good financ man he
24:52can translate the Figures into something
24:54that general manager will understand
24:56Finance is very simple I can make it
24:58very simple It's a very simple thing
25:00pagka nagnegosyo ka ang unang-unang
25:02Tignan mo cash flow bantayan mo yung
25:05cash flow mo Pangalawa tandaan mo hindi
25:0740 may Cas ka Kumikita ka so Tignan mo
25:10din yyung profitability mo understand
25:12What profitability is meron kang Cas you
25:15should be profitable at the same time
25:16The Third is healthy ba Iyung business
25:18mo Baka naman puro utang kaya marami
25:20kang Cas okay guys ha Ito lang ha i
25:22don't want you to get lost here sa
25:24negosyo ang importante benta cash pag
25:27wala kang benta wala kang neg walaang
25:28negosyo It's not a business It's a ding
25:30business Oo tapos next profitability Oo
25:33Kumikita ba Kumikita ba kasi minsan yan
25:35ang confusion din may tinanong ako eh
25:37Magkanong Ano ang kita mo sa isang araw
25:402,000 wow Magkano benta mo isang araw
25:432,000 Oh yeah usual yan usual yan Oo
25:46kasi nga na ano nila
25:57co-convenor laman mo aside from May
25:59benta ka may kita ka ba Ano yung
26:01pangatlo it is the health of the
26:03business translated into utang versus
26:06your own capital so kailangan mas malaki
26:07yung ika nga yung capital yung iyong
26:09stake doun sa company o capital versus
26:11yung ut ang capital lumalaki Habang
26:13nagenerate ng income yung kumpanya
26:16lumalaki yung kapital mo doon tapos yung
26:18utang mo dapat lumiliit lumiliit yun
26:20guys ha so yan ha basic 101 na pagdating
26:23sa business okay simple lang ' ba Oo yun
26:26nga benta kita at saka in terms of
26:28growth growth Oo healthy Healthy growth
26:30so ang pinag-usapan natin is the worst
26:33money mistake that a businessman can
26:34make sa palagay mo naman Syempre sa dami
26:36mong konsult na ano yung pinaka-best
26:38naman ano ah chinki it's an attitude no
26:41tinatawag kong conservative attitude
26:44conservative ibig sabihin lalo na sa
26:46malaking business You have to analyze
26:50Every step that you make and you have to
26:53honor the views of the different
26:55department kasi hindi lang ikaw eh ' ba
26:57Meron ka ng different departments You
26:59have to unite them as a team with a
27:01common goal ang pagkakamali kadalasan is
27:03yung bira ng bira parang siya lang
27:05nasusunod parang siya lang nakakaalam
27:07lalong-lalo na sa Finance I have seen it
27:10happen many times Yun bang sabi nung
27:12financ man boss dahandahan Nakikita kasi
27:15niya eh Meron siyang radar eh yyung
27:17financ man may radar yan e ako may radar
27:19ako na Ong taong to hindi naman totoo
27:21yung sinasabi alam ko eh pag Tinignan ko
27:22yung financial statements Para akong
27:24doctor Ah alam ko yung problema nito
27:26ganun yung finan man sasbihin ng fin man
27:28boss dahan-dahan lang hindi natin kaya
27:30yan Sabi ng boss kasi yung boss
27:32halimbawa sales siya marketing Mat hindi
27:34kaya Kaya kong ibenta yan hindi boss eh
27:36kukulangin tayo ng imbentaryo yung pera
27:39natin Hindi kakasya pag pinck up mo yung
27:41sale na Ganon hindi kaya ng warehouse '
27:44ba para kayanin ng warehouse yan bibili
27:46na naman tayong equipment pag ginanyan
27:48mo yung sales mapapabili tayo ng
27:50equipment uutang ngayon tayo pag umutang
27:52tayo hindi natin kakayanin Maliit lang
27:54margin natin So hindi sila nag-usap Oo
27:56or hindi nakinig o hindi nakinig CEO
27:59kasi iba na yung malaking kumpanya eh
28:01ito guys ha just to give you a
28:03perspective may kasabihan kasi sa
28:04negosyo sa business no the bigger you
28:06are the Harder you fall Oo kasi ano eh
28:09may tinatawag kami sa business the law
28:11of reversal Oo ang ibig sabih law of
28:13reversal when sales are high nothing
28:15hurts Yes When sales are low everything
28:18hurts so Iyung ano talaga e imagine mo
28:21kunyari overhead mo 2m tapos wala ka ng
28:24benta every month you're bleeding Php2
28:26million Yes which happened in a na
28:28pandemic ang daming nangyaring ganyan So
28:30yun ang sinasabi ko financial health is
28:31important so tatlo cash flow
28:33profitability financial health Oo
28:36because you have to be ready di ba Yeah
28:37so Okay let's talk about yyung mga ano
28:39naman entrepreneurs right now na may mga
28:41negosyo How much opex opex or
28:44operational expense na kailangan nila
28:46Itabi nila to for them to really to
28:48become financially healthy Oo you mean
28:51the overhead Yeah overhead kasi ang
28:53which is rental utilities salaries no ah
28:58water etc etc fixed yan Ito tandaan
29:01natin yung overhead mo is fixed that's
29:03why ang suggestion ko you pay Yourself A
29:05salary if you're running the business
29:07para magkahiwalay iung household tsaka
29:09business So makikita mo Iyung overhead
29:10mo is fixed okay now this is the way to
29:13operate your overhead anything that you
29:15add to your overhead rental salary you
29:18analyze kung ano effect doon sa sales mo
29:21kasi fix yyung overhead mo eh pag
29:23umakyat yung sales mo aakyat yung gross
29:25margin mo yung sales mo less cost syempr
29:28goods aakyat ngayon kung yung overhead
29:30mo akyat ng akyat kakainin niya yyung
29:32bottom line yung profit That's why
29:34ideally you maintain your overhead fix
29:37pero hindi mo kayang gawin yon kasi
29:38kailangan ka mag-hire kailangan kaang
29:40magrent ng bagong opisina kailangan ka
29:42mag-expand ng warehouse aakyat ngayon
29:44yung overhead mo tama pero analyzing mo
29:47Anong effect niya sa sales ko pagka
29:49umakyat yung overhead ko at hindi
29:51umakyat yung sales ko anong mangyayari
29:53mas liliit yung tubo ko right So merong
29:55ganong pag-aaral na matutulungan ka by
29:58having the financial report eh Kung
30:00hindi mo alam kasi usually ang mga small
30:02business men they operate with gf e
30:05that's why sabi mo Magkano sales mo 2
30:06million Magkano kita mo 2 million Hindi
30:09naiintindihan di ba So that's why they
30:11operate on a GF level kasi maliit pa eh
30:14kaya eh di ba Magkanong selling price mo
30:17Php10 Magkano cost mo diyan Php5 Okay
30:20lang yun di ba Magkano overhead mo kamot
30:22hindi alam okay lang kasi Kumikita naman
30:24e ' ba pero pag Lumalaki ka na there are
30:26decisions that your
30:28do without your knowledge right Hindi
30:30naman lahat itatanong SAO eh so lumalaki
30:32yung overhead mo lumalaki yung ano mo
30:35yung cost mo hindi mo alam Di ba That's
30:37why you need a financial report so
30:39should you say also it would be healthy
30:41kung Mayon silang at least 6 months kasi
30:44sa ay cash flow Oo kasi yyung personal
30:46Finance Parati ko sinasabi sa personal
30:48Finance emergency fund e yung parang
30:50emergency fund at least 6 to 12 months
30:52is healthy di ba would you say also in
30:55business kailang ang magaling na ano na
30:57business nakikita niya yung cash flow si
30:59months Down The Road or even one year
31:01down the ro Kaya nga mas maganda kung
31:03may si months to 1 year siyang overhead
31:05na i itatabi rin alam mo na may cash ka
31:08Just in case may nangyari may cash ka pa
31:10rin pag sweldo that's that's a good
31:12business practice oo hindi pwedeng very
31:15tight lang ano parang nagpapatay ka ng
31:17sunog palagi ano Hindi kasi oo lalo na
31:19kasi guys ha Ito lang ang pinakamahirap
31:21pinakamahirap ito lang ang pag-usapan na
31:24rin natin to yung Nauubos na yung cash
31:26flow mo at nap pilitan kang mangutang
31:29just to keep your company a float So
31:32anou anong nagiging repercussion niya
31:35based experience ito kasi yyung concept
31:37ng utang no pag-usapan natin anything I
31:39borrow is something na
31:43nakaka-adik right ng profit good de
31:46nakaka o naka-add ng Cas ko good debt
31:48siya pero minis manage ko yung kumpanya
31:50hindi siya nagpo-produce ng enough
31:52income to cover my overhead minimis
31:55manage ko siya hindi siya nagpo-produce
31:56ng enough cash flow Gaga ko uutang ako
31:58parang sinabi ko SAO chinky pautangin mo
32:01ako sumali ka dun sa problema ko pwede
32:03mo i-solve mo yan problema ko ganun na
32:05mangyayari n ang effect non is I'm
32:07telling you to join me in my Trouble '
32:10ba Ganon hindi ganon ang pag-utang I ask
32:12you to join me in my success kikita ako
32:15babar ako interest so technically yyung
32:18ganong klaseng utang to to provide to
32:20survive is technically already bad de It
32:22is a bad Deb in the sense that it is
32:25Band Aid to postpone Uh
32:28already there which the owner will have
32:30to address now so ginawa niya in na
32:33i-address niya kutang siya So band ID
32:36eventually yung Pambayad niya sa utang
32:39na ion Kailangan niya umutang uli para
32:40bayaran kasi hindi niya solve yung root
32:42problem so iikot siya doon hanggang
32:45lumubog siya kasi ang problema talaga is
32:48kailangang harapin yung management
32:50problem na nag-cr up kailangan harapin y
32:53Okay Bonnie so right now since we're
32:56talking about utang sa negosyo when is
32:58it the right time for people who are
32:59struggling sa negosyo nila na sabihin na
33:02okay isuko ko na bandilang to kasi mga
33:04iba talaga pinaglalaban minsan Alam mo
33:07chinky no involved kasi yung ano eh
33:09Maraming factors diyan e di ba like yung
33:11family mo kailangan magpatuloy yung
33:13tuition fee nung anak mo maraming
33:15factors involve eh kaya ang punot dulo
33:18is kailangan yung negosyante bago sumubo
33:20sa negosyo bawat step kasi merong
33:23kailangang pag-aralan I don't believe in
33:25the kind of Education na business educ
33:28na 4 years na galing sa textbook I don't
33:30believe in that you know why hindi mo
33:32siya ma-apply pagka nandoon ka na the
33:34kind of Learning that is applicable
33:37Actually yyung ginagawa ko sa kayaman
33:39Nation is creating a learning school
33:42nasa website na modular siya pagka ito
33:44Kailangan mo business Finance kailangan
33:46ko maintindihan Cas ko pasok ako doon
33:48kuha ako ng learning material pagka
33:50Kailangan ko ng ano ng innovation
33:53digital transformation kailangan ko ito
33:55pasok ako doon So In other words modular
33:57ka ang problem nating mga Pilipino is we
34:00look at business in the eyes of our
34:02culture may kultura tayo chinky na
34:04swerte swerte now we look at business na
34:07swertihan delikado sigurado malasang
34:10swerte kasi swertihan siya eh ' ba
34:12kailangan i-red mo Iyung element ng
34:14uncertainty may uncertainty talaga ang
34:16business Pero kailangan i-red duce mo
34:18Iyung uncertainty because business that
34:20has so much element of uncertainty is
34:24difficult to manage It's unstable
34:26unstable so as a manager gusto mo lahat
34:28within your control eh Yun yung
34:30katungkulan mo eh i-control yung lahat
34:32ng factors ng business mo yung kayang
34:34i-control i-control mo yung hindi kayang
34:36i-control Hayaan mo ' ba pero yung kaya
34:38mong i-control i-control mo and
34:40therefore that requires continuous
34:42learning hindi mo matututunan yung
34:45business management na Bigla kailangan
34:48meron kang coaching Meron kang mentoring
34:50kasama ka sa community at meron kang mga
34:53materials na binabasa pinakikinggan
34:56habang lumalago ka yun yung
35:01tina-an na kayang humawak ng mas malak
35:03totoo yan eh Kasi parang ano ' ba yung
35:05parang imagine mo na bumili ka ng
35:07sasakyan na hindi ka marunong mag-drive
35:08exactly ' ba ' ba halimbawa ah sabi mo
35:11ang ganda ng kotse na ito sports car no
35:14brand new top of the line Ang ganda nung
35:17business top of the line yyung business
35:19ang daming kumita doon eh yung sports
35:21car p drive mo sa bata hindi mo hindi
35:23niya alam bapang ka hindi niya alam
35:24i-drive eh ' ba o Likewise kung ikaw
35:26hindi mo alam yung negosyong papasok mo
35:28malulugi malulugi ka so it's not the
35:30business it is your ability to run the
35:32business That's Why there's so many
35:33business out there na Sabihin mo pangit
35:35y business yan Pangit yang business yan
35:37Ito maganda dito ako ' ba eh Kung doun
35:39sa pangit na business kaya mong
35:41patakbuhin kasi nga nakalinya sa
35:42expertise mo kaganda iun ' ba That's Why
35:45there's so many business sabihin mo ang
35:46ganda nung business Tignan mo yung
35:48may-ari kung paano siya magpatakbo bakit
35:50siya maganda It is because of the owner
35:52' ba it's not the business it's the
35:53owner Okay so let's wrap this up no in
35:56terms of ano the importance of financial
35:59Education ' ba Uh with regards to
36:02running an opportunity or an business
36:05would you say na talagang kailangan muna
36:06talaga nila grumaduate ng business
36:08school in order for them to learn how to
36:10run a business or ano pa Iyung way para
36:13matuto sila sh in my years of ano ah
36:17experience in business Finance ang dami
36:19kong kliyente na minsan high school
36:21graduate lang hindi nag-aaral ng
36:23business school ang dami na Successful
36:25na ganon Paano sila natuto nag-aaral
36:27sila either kultura nung family kasi may
36:30negosyo na nga yung previous Generation
36:32natuto sila Alam mo Chinese practice '
36:35ba ah May negosyo ako Anak kita trabaho
36:37ka muna sa shop floor magbuhat ka muna
36:39diyan ' ba o papaakyat so natututunan
36:42niya yung business pagka nagnegosyo siya
36:44Medyo Alam na niya ' ba ang nakita kong
36:47mga negosyante naman na Pilipino na
36:49lumaki is nag-aaral sila nag-aaral sila
36:51patuloy ung pag-aaral nila babasa sila
36:53ng libro nagre-research sila and then
36:55tinatanong n stop nila ung pag-aaral na
36:57yon
37:14napaka-talented
37:21eh learning by doing o so importante pa
37:25rin nung Education ako i believe kasi in
37:27the concept of Education Kahit na hindi
37:29ako nakapagtapos Oo ' ba pero I believe
37:32in that kasi parang ano yan eh Ah ang
37:34best illustration yyan guys ito eh
37:36nag-aral ka ng 4 years ng swimming class
37:39na hindi ka tumalon sa swimming pool Oh
37:42yeah yeah ' ba oo pass lahat ang test mo
37:45oo pass lahat Talagang su laude ka pero
37:48nung talon ka nalunod ka nalunod Tama
37:50yun Tama Dapat ' ba nung nag-aaral ka na
37:54ng textbook about swimming dapat
37:56nagta-try ka na par may may ano
37:58experience
38:00experiential Yeah ' ba yung textbook
38:02plus experiential that makes it powerful
38:04o h ba Ching pagka May experience ka
38:06nae-experience mo pagka inaral mo madali
38:09m maintindihan kesa nagawa mo e wala
38:11kang experience hindi mo maintindihan
38:14masyadong theoretical kaya guys ha Ito
38:16lang I want to encourage people Who's
38:18watching this ano na episode ang ang so
38:21much learning no in terms of Kung gusto
38:23mo talagang matutong magnegosyo Huwag
38:25mong hintayin na grumaduate ka bago ka
38:27mag negosyo habang nag-aaral ka mag-try
38:29ka na ngayon agree Oo and you know ang
38:31na-notice ko and I have seen that no
38:34nung lumaki yung business nag huminto na
38:35yung may-ari mag-aaral right parang ako
38:38nag-gagwapuhang
38:57wala ng hands Wala na siyang hands on
38:59hindi na niya binabantayan and and and
39:01you know ito chink na sinasabi ko palagi
39:03sa mga kliyente ko Sabi ko when you have
39:06lots of money already because you have
39:09proven your management ability and the
39:11banks are now after you to lend to you
39:14gustong-gusto ka Be careful you know why
39:16why money should not dictate your action
39:19it is still your management ability that
39:21determines kung ano yung mga decisions
39:23mo skill pa rin skill sabi mo Dami naman
39:25nating pera eh Sige tayo tayo doon tayo
39:28tayo ng branch doon tayo tayo ng branch
39:29doon bili tayo nito wala ka ng
39:31evaluation ' ba be careful now because
39:34you have a lot of money guys Ito lang ha
39:36take this advice lalo na sa mga taong
39:38Kumikita ngayon at malaki ang cash flow
39:39mo cash flow mo okay ka profitable ka
39:42pero yyung financial health mo ito Iyung
39:44sinasabi ni Bonnie Alam mo bakit I've
39:46witnessed more businesses fail because
39:48they ere expanded exactly Yes they over
39:52Expose themselves may mga story kang
39:54ganyan ang dami kong story na ganyan
39:56chinky ah nakakaiyak nakakaawa kasi yung
40:00mga pinaghirapan nila over so many years
40:03No you know the failure of business does
40:05not happen when the business is still
40:07small it usually happens pagka lumaki na
40:10and this is because nag-iiba yyung
40:12attitude ng may-ari usually nai-inlove
40:14siya sa pera yum mayabang yum mayabang
40:16nai-inlove siya doon sa kayang bili ng
40:19pera nag-iiba siya ng ugali that is Uh
40:22very sad and you know yung ating ah
40:24pagiging ano godly really matters eh
40:28kasi ah pag pinahawak ka ni Lord ng
40:30negosyo calling mo yan eh it's not
40:32supposed to add to your value you're
40:34already valuable in God's eyes you are
40:36child of God and pinahawakan sa IO ng
40:38ang business as a steward of God you
40:40know Now it changes who you are why why
40:43will it change the way you are nakabili
40:45ka ng sports car So what it doesn't add
40:47value to you ' ba malagay Iyung mansion
40:49mo So what reward mo Iyun eh But it
40:51should not add value to you it should
40:53not change the way you look at people '
40:55ba it should not change the the Way You
40:57Look at yourself and it should not
40:59change the way you look at money the way
41:00I look at money So doon nagkakaroon ng
41:03downfall That's why I saying na during a
41:06Crisis Makikita mo talaga yung tunay
41:08yung tunay na ano na negosyante
41:10nakatindig Why the value is not the
41:13money the the value is who He is in the
41:15eyes of God yeah Kaya nga guys no Ito
41:17lang you will only know the strength of
41:19a tea bag when you soak it under hot
41:22water Yes malalaman mo lang talaga ang
41:24tunay na negosyante Pag dumaan sa krisis
41:27Hindi Nung panahon na Kumikita na
41:29limpak-limpak ng salapi nung panahon na
41:31talagang wala ng benta at hirap na hirap
41:34na so let's talk about Ano na ipon si
41:37Bonnie ba ay nag-iipon yes Uh I have
41:40emergency fund and meron din akong Uh
41:42investments basically sa real estate And
41:45there's a reason for that Why real
41:47estate I have a reason bakit bakit ah
41:49unang-una I work with three real estate
41:52companies when I was employed I work
41:54with a Finance company and therefore I
41:56understand real estate mas Safe ako don
41:58In other words Uh Doon ako pumapasok sa
42:00investment na Kabisado ko hindi ako
42:03papasok sa Marami ng magandang
42:05investment no pero doun ako sa Kabisado
42:08ko lang and I have emergency fund no
42:10masasabi ko na it's only God who was
42:13able to do it for me na nagkaroon ako ng
42:16ganon kasi alam mo chinki i have been a
42:18freelancer for the past more than 30
42:21years no pag freelancer ka especially sa
42:23business ko ' ba Ah hindi mo alam kung
42:25kailan darating yung next income mo di
42:27ba gets ko y akala mo may savings ka na
42:30yun pala Ubos din ' ba so P ganon ganon
42:32ka so natutu rin ako mag-invest no pero
42:34at the same time yung gipit ka na
42:36panahon No alam mo na pag nandoon ka sa
42:38kagipitan na iyon Alam mo na wala na sa
42:40kamay mo And that's When you see the
42:43hand of God come to your Rescue palaging
42:45ganon yyung storya ko chink I've seen
42:47many stories in my life na Miracles
42:50talaga na masasabi ko na I cannot
42:52explain This this this must be God so
42:54mas maganda rin ba mag-ipon ng pera para
42:56mag-start ng na negosyo of course So yun
42:58ginawa ko chinky no nung ah nag-start
43:01ako ng freelancing financial consultant
43:03somebody approach me na sabi niya Pony
43:06gawa mo nga ako ng financial projection
43:07I pay you Php3,000 wala ka wala pang
43:10computer non no calculator columnar p i
43:13did it for him he paid me 3,000 Sabi ko
43:15wow meron palang business dito so
43:17binigay niya saakin so inipon ko Tapos
43:19merong lumapit saakin sabi niya Pony
43:21Gawan mo akong project study ako lalakad
43:23sa kliyente ah hati tayo tig to 20,000
43:25tayo so ulita ako 20 so tinabi ko
43:28Nakaipon ako Sabi ko Maganda pala
43:30sideline nito sideline ko tapos nung
43:33kumita Sabi ko wow go na ako so I left
43:36employment So may pera ako Actually yung
43:39pera na yon naubos Bakit walang kita ako
43:42nakakuha Akala ko ganun kadali hindi ko
43:45inaral yung business ah babalik kasi
43:47jmak Pat ako nung na- employed ako eh
43:49jump lang ako eh hindi ko naaral tapos
43:52sabi ko kikita ako ng malaki tapos
43:55sinulat ko sinabi ko sa k Stella sa
43:57misis ko o yan kikitain ko resign na ako
43:59sabi ni Stella O sige kung habang bata
44:02ka pa Gawin mo na so ginawa ko So yun
44:04pala When I Look back I was being Driven
44:07by my Ambition to make a lot of money At
44:10hindi ko na i-evaluate yyung kliyente
44:12biral ako ng bira ko kunin ko yung
44:13malaking business hindi ko naman kaya so
44:16naubos and then that's the time na
44:18nakita ko yyung grace ng God na somebody
44:21my former office mate in the Finance
44:23company called me up and said Pony can
44:26you join me in my company so I took the
44:28offer Sabi ko Can you give me a car He
44:30gave me a brand new car So who is that '
44:32ba Balik ako sa employment after 3 years
44:35No my the Chiki after 3 years Ninoy
44:37Aquino was assassinated the interest
44:39went up to more than 30% hindi ka ka na
44:42ba noo Bata ka pa non ano interest rate
44:45went up to more than 30% 35% so I know
44:49how to do project studies may mga
44:51Pockets of lenders na nagbibigay at
44:54something like 18% super baba at at the
44:57time mm Pero kailangan ng project study
44:59Oo pumila yung mga negosyante sa akin
45:01Bon tulungan mo kami kukuha kami ng loan
45:04na yan so sinidlan ko tap nung umaakyat
45:07na ako sabi ko sa boss ko Pwede ba
45:12i-renew ba bigay mo dala saakin yyung
45:14kotse O sige I left employment and then
45:17marami pa ring problema pero that was a
45:19breakthrough na galing kay Lord Jon
45:21galinggaling So ngayon
45:27so itong cards na ito ang gagawin mo
45:29lang pipili ka lang okay ng isang card o
45:32just one card get one card and then
45:35Babasahin mo siya Babasahin mo ayan
45:37basahin Basahin ko na Ask a number
45:40challenge papiliin mo ang katabi o
45:43kasama mo ngayon ng isang number between
45:451 to 500 ang sagot niya ay ang amount na
45:49ihuhulog mo sa ipon box Oo
45:52500 hulog ka Saon
45:55box ako na hindi o yun nga yun yung
45:58parang gagawin mo parang it's a game na
46:00This is gamified na ipon O sige get One
46:03More One More get one more gamified siya
46:05ayan Okay ito naman three random Ang
46:08ganda nito ah It's a game ha OOO you
46:10make ipon a very ano ah exciting game Oo
46:16right Paano mo naisip ito wala si lord
46:19lang talaga oo G Ang galing three random
46:21peso bill challenge pumili ng tatatlong
46:24peso bill sa iyong wallet at ika ikaw
46:27ang bahalang mag-decide kung magkano ang
46:29ihuhulog mo sa ipon box Yeah ' ba inisip
46:33mo bawat Ano to bawat lya nito so SAO
46:35nisip mo yeah galing ha Yeah me and my
46:38team we thought about it Wow ang galing
46:40ah so so right now Bonnie Ah Yeah this
46:43is really such a great Ano opportunity
46:46for people no Who wants to probably get
46:49off your services di ba iyung mga taong
46:51gustong o Bonnie tulungan mo na ang
46:53business Finance Bonnie Baka pwede mo
46:55akong tulungan sa business ko Kailangan
46:57ko ng financing how did they get in
46:58touch with you you can join me in tiktok
47:01Bonnie de Jesus Facebook Bonnie de Jesus
47:04Facebook page and then kayaman Nation
47:07page Facebook na yan group siya and then
47:09Yun nga we're creating a website na
47:11exciting ito we create physical events
47:14we do webinars we do a lot of things na
47:16nakakatulong sa mga entrepreneurs
47:18starting and those growing and those big
47:21na para nasa ganon ang dream namin is to
47:24raise Uh 100,000 phip entrepreneurs who
47:28know their purpose so guys ha Ito lang
47:30FYI do trivia lang ako ba Alam niyo ba
47:32ako nangulit kay Bonnie na pumunta sa
47:35tiktok si chinky May kasalanan yan si
47:38chinky ' ba sabi ko Bonnie Punta ka
47:42Anong sagot mo saakin
47:44oh hindi ko talaga naintindihan yung
47:46tiktok h ko naintindihan dati pero
47:48ngayon do you appreciate I appreciate
47:50what you told me palagi ng sin saabi
47:52saakin ni Stella si chinki nagsabi sayo
47:55now I have a team of young people
47:57doun sa kayaman Oo sa kayaman sabi
48:00saakin Tito mag tiktok ka ha Sabi ko
48:02sinabi saakin chink yun ah pero hindi ko
48:04pa rin maintindihan sayaw-sayaw pagka
48:07tiktok ' ba Sabi nila hindi yung
48:09kinukwento mo sa amin yung sinasabi mo
48:11sa amin palagi kinoo mo kami Yun lang
48:13ang ilabas mo ano mag kukur bata pa ako
48:15magnet ako mag hindi si t-shirt ka lang
48:19parang si
48:20chinky simple lang kwento-kwento ka lang
48:23naglabas ako yung first video ko tumawag
48:26saakin yung ah ano ko team ko oh Tito
48:29wala pang 5 minutes naka 10,000 ka na
48:32Tapos at the end of the day oh Tito
48:3350,000 na viral ka na na-encourage ako
48:38so tuloy-tuloy tuloytuloy so Ayun nga
48:40I've seen him grow I really saw saw how
48:42he and develop and I'm really happy kaya
48:44nga guys I just want to encourage you
48:45non kung kayo ay na-bless sa episode na
48:47ito na-bless kayo please paki type lang
48:49sa comment section kung ano yung
48:51natutunan niyo Ano yung mga realization
48:52niyo na-discover niyo and Let's have a
48:55healthy discussion and I hope that you
48:57will support this channel Please do
48:58share this channel and then also don't
49:00forget to subscribe tatandaan tamang
49:02karunungan tamang disiplina po ang susi
49:05sa
49:06pagyaman Alam mo una kong pinag-ipunan
49:09plaka Syempre bata ka ' ba nag-ipon
49:12allowance mo you know na right now What
49:14comes to mind was ang una kong nabili
49:17was Uh plaka I had this talk with my mom
49:20M at sinabi ko sa kanya Ma'am I'm going
49:23to go full time Show base sabi niya know
49:27this ha Once na ikaw ay magdecide na
49:29ganyan pumunta ka diyan sa landas you're
49:31on your
49:32own doesn't mean that you don't get it
49:35now you won't get it later for me it was
49:37never about making it big it was about
49:40making it last I always Believe na ano
49:42eh success is number of failures before
49:46you get to where you want success is
49:49It's really a
49:55journey ne

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