Ryan Natividad: 14 years old Pa Lang, Factory Worker Na, Ngayon ay may Sariling Negosyo

Ryan Natividad: 14 years old Pa Lang,

Factory Worker Na, Ngayon ay may sariling Negosyo

Ni Apolinario Villalobos

 

Noon pa man ay interesado na akong magsulat tungkol sa mga naglalako ng mga gamit na naglilibot saan mang lugar dahil nagustuhan ko ang kanilang pagtitiyaga na magandang halimbawa sa iba na ang gusto ay kumita agad ng milyon-milyon sa negosyo.

 

Nang makita ko ang isang grupo na kumakain noon sa karinderya malapit sa amin, nagulat ako nang tawagin ng isa sa kanila na “boss” ang kasama nila na sa tingin ko ay parang college student lang. Nakita ko rin ang mga nilalako nilang power tools tulad ng barena. Sa kahihintay ko ng tamang panahon upang makausap ng masinsinan ang tinawag na “boss” ay saka naman sila umalis sa dating tinitirhan. Mabuti na lang at makalipas ang ilang buwan ay natiyempuhan ko ang taong gusto kong kausapin sa isang karinderya na nadaanan ko.

 

Siya si Ryan Natividad, 26 taong gulang at may isang anak na 8 taong gulang, kasal kay Sienna Javier, at sila ay taga-Bulacan. Sa katitinda ng mga power tolls ay napadako ang grupo niya sa Cavite.

 

Galing siya sa isang broken family dahil grade six pa lang daw siya ay naghiwalay na ang kanyang mga magulang at siya ay napapunta sa kalinga ng kanyang nanay. Dahil sa kahirapan ng buhay, 14 taong gulang pa lang daw siya ay napasabak na siya ng trabaho sa iba’t ibang pagawaan o factory. Hindi rin siya nakatapos ng high school, kaya nang nagkaroon ng pagkakataon kalaunan ay pinasukan na rin niya ang negosyong kalye o ambulant vending sa gulang na 19 taon. Noon niya natutunan ang pagbenta ng mga power tools at kahit papaano ay nakakapag-ipon pa siya.

 

Sa gulang na 23 taon, naisipan niyang mamuhunan upang lumaki ang kayang kita kaya humiram siya ng 30 libong piso sa kanyang nanay upang maipandagdag sa naipon na niya. Nang lumago ng kaunti ang kanyang negosyo ay kumuha na siya ng ilang tauhan. Sa loob ng tatlong taon ay nadagdagan pa ang kanyang mga kalakal kaya ngayon, ay may apat na siyang tauhan. Nakatira sila sa isang studio type na apartment sa Bacoor City at sinusuyod nila ang mga kalapit na lunsod at bayan sa paglako ng power tools.

 

Sa gulang na 26 taon, nakakabilib si Ryan dahil may sarili na siyang negosyo na nagsimula sa mahigit lang sa halagang 30 libong piso. Paano na lang kaya kung ang puhunan niya ay mahigit 100 libong piso na sa tingin ng ibag tao ay “barya lang”? Sa uri ng kanyang pagsisikap, baka hindi lang apat na tao ang kanyang natulungan!

 

May mga seafarers at OFWs na tuwing magbabakasyon ay hindi bumababa sa 50 libong piso ang cash na nahahawakan at yong iba pa nga ay mahigit 100 libong piso. Subalit sa ilang araw pa lang nilang pagbabakasyon ay ubos na dahil sa walang pakundangang paggastos. At, kung wala nang madukot ay ang mga ipinundar na gamit naman ang binibenta, hanggang bandang huli ay uutang na. Madalas pa itong nagreresulta sa away-asawa lalo pa kung maluho ang misis. Karamihan sa mga ito ay hindi nakakaisip na mumuhunan sa isang negosyo upang maaasahan kung sakaling may mangyaring hindi maganda tulad ng pagkatanggal sa trabaho, o di kaya ay upang may “mapaglibangan” man lang para sa karagdagang kita ng mister, ang misis na naiiwan sa Pilipinas.

 

Kaylan kaya mag-uugaling Ryan ang mga uri ng taong nabanggit ko?

 

 

The Importance of Having Ready Cash and Investment

The Importance of Having Ready Cash

And Investment

By Apolinario Villalobos

The issue on economy affects all creatures on earth. Even stationary living creations such as trees and oceans are affected by it. If forests, for instance, get depleted due to unscrupulous logging, and fishes in the oceans get killed by pollution due to the waste from factories, they eventually affect the economy of the world, because they are sources of man’s livelihood.

The cash has become an important commodity on earth that, even for the retired and the future retirees, the degree of a comfortable life later on, depends on it. Fortunate are those who have invested in revenue-generating ventures, or at least, have saved enough, so that, by the time they cease working, they have something with which to augment their monthly pension.

In another case, wives who depend on the monthly remittance of their working husbands should not be too reliant on their 15/30 wage even if the take home is much more than the average. For instance, just because their husbands earn more than 50 thousand pesos which is the usual basis for a very comfortable life, the wives should bear in mind that anything can happen, such as sickness in the family, closure of their husband’s workplace, disaster such as fire, etc. In other words, they should always set aside something for the “rainy days”.

The wives should help their husbands by thinking of ways on how to generate additional income from the “extras” derived from their wage. Unfortunately, some wives equate the “extras” with travel, jewelries, casino, unnecessary parties, etc. to the point that they have become “addicted” to them, as the habit has become deeply imbedded in their consciousness. Weekends see the whole family going to malls for lunch and shopping; birthdays “require” lavish preparation; budget for casino is discreetly set aside for at least two-day gambling spree in a week; and of course, there is always a share for the weekly visit to derma clinic and beauty parlor, etc.

One story is about a wife who receives an allotment of about 40 thousand pesos from her husband who works as a seafarer. She was so comfortable with the allotment and with the thought that it will always be that way until her husband who just arrived met an accident while driving his car from a party. Unfortunately, it was found out that the husband’s employment documents were spurious so that he got nothing from the insurance company and the government agency that takes care of the OFWs. The operation and long hospitalization of her husband practically depleted the family’s fund. Their two children stopped going to school, they sold their house, and with the meager amount left from the sale after paying their debts, the whole family went home to the husband’s province.

On the other hand, I know of some friends who have prepared for their future by buying parcels of land to be developed into small orchards.  As their retirement was approaching, they filled their lands with saplings of local fruits. Today, they are literally enjoying the fruit of their investment. Other friends followed their example and did the same, making them excited as they look forward to their retirement so that they can work in their orchard.

Saving cash and investing on affordable ventures are securities for the future. The monthly pension should not always be relied on, as some retirees have been shocked when they found out that their monthly ROI (return of investment) from SSS or GSIS is not even enough to cover their maintenance drugs and regular medical check -up.