pwede po ba mag member ang isang isang subdivision para sa problema transportation tricykel (like TODA) PERO ang lahat ng member ay homeowner ng subdivition...sana matulungan nyo kami
Hello po please notice my comment po hehe. Ano po yung much better option kung saan mag invest? Uitf po sa banks under a long term bond agreement orrr ipapasok ko nalang po sa cooperatives po? I've heard kasi malaki yung annual time deposits nila chaka may iba pang benefits. My goal is to choose po sana the option kung saan mas malaki yung passive income ko per year for about 5-7 years at a moderate amount of risk. Patulung po hihi, thank yoü. Considering equity under uitf also.
Mukhang maganda naman po ang mga serbisyo ng Novadeci, well judging from the web page. 3.2 B asset, 1.2 B Shares at 44,079 members and 36 years in the business, WOW. Kung taga Novaliches ako sasali ako dito.
May I know please, what else, at least the top 3 are the pros and cons of putting / investing for a share capital in coops ? because I dont quite undestand and I need some more convincing. Thank you in advance for the information.
Emerson Escobar we are here not to convince anyone of investing in any instrument. We just lay down the general features as well as benefits of different investment outlets for our viewer’a reference. You may watch again our video should you have missed something. Thanks!
Pwede b kyo mag recommend ng coop na alm nio then we study and to invest salamat po.. Ung iba kasi gsto nila mg invest pero wala silang alm na coop company
majority of coops are location- and geographic-based so it would be hard for us to recommend one if it is not readily available for all prospective investors. it would be best if you check out your locality or the CDA for one near you. thanks!
@11:30 it was mentioned that the loan interest is 6 % but I think it is per month. So if the member borrowed 10k and payable in 6 months they will be paying 2,266.00 monthly which is very high. Ganun po ba yun?
Currently ofw. Have pagibig & sss flexi investment. Interested in coop also puede ba maginvest in coop example time deposit in short term like 6 months. Thanks guys for your video very informative.
May I know please, what else, at least the top 3 are the pros and cons of putting / investing for a share capital in coops because I dont quite understand and I need some more convincing. because I dont quite undestand and I need some more convincing.
Hi Emerson. Nag butt in na ako. Ang PROS ay mababa ang interest na ipapataw sa utang mo usually 2% or mas mababa pa, depende sa coop. Diminishing balance computation pa ang pag compute ng interest. Ibig sabihin ang papatawan ng interest ay yung balanse ng utang mo hindi naka pako sa halaga ng inutang. Pwede ring umutang ng doble ng halaga ng capital shares mo pero you need a co-maker or collateral to cover half nung halaga ng inuutang. This is to secure the loan. At the end of the fiscal year doon ibinibigay ang DIVIDEND kung kumita ang coop. Pag kumita hati-hati, pag nalugi doon sa taon na yun hati-hati din. Kasi ang mga KASAPI o mga members ay KA-MAY ARI o co-owners kaya dapat tangkilikin ang serbisyo o produkto ng koop. Siyempre dahil co owner ka, may boses ka kung paano gagamitin ng coop ang pinagsama-samang capital. Ang CONS naman sa Bumbay 5/6 o 20% interest ang patong. Sa mga lendng company mataas din ang interest at hindi diminishing balance computation. Ang dami pang requirements. Walang dividend na ibinibigay liban sa mababang interest ng perang nilagak mo. At meron pang 20% withholding tax. Sa coop wala kasi tax exempted. So, Maghanap ka ng coop sa lugar nyo at umatend ka ng PMES o Pre Membership Education Seminar para mas makilala mo ang coop, history nito, mga patakaran at mga serbisyo nila. God Bless.
sir guarantee ba ang dividend annualy? meron po ba lock-in period yun pera? and pag mas malaki po ang invest ng isang member mas malaki ang makukuhang dividend?
mico mariñas dividend is not guaranteed although they usually give. money has no lock in and you dont get a different dividend rate with higher amounts invested. thanks!
ah ok po. sir how about government bond which banks ang nag bebenta po? and corporate bond direct ba yan binibenta sa investor ng mga corporation? or how will I know kung saan banks pwede makabili ng corporate bond? thanks din po.
As far as we know, only persons 18 and above can participate in Coops as it involves legal contract. Best to ask the Coop that you are eyeing in this regard. Thank you.
About a third of my investments right now is in Ayala Coop i gwt abour 7% net income from my shares. My mom on the otger hand is a member of NOVADECI but sometimes there is a loss because the coop gives death benefits for members amd their families
dapat pina re-insure ng novadeci ung mortuary nila pakisabi sa mama mo. bawal yan sa insurance commission at sa cda, hindi insurance ang business nila eh lending naman
its not investment instead like nvestment ito dahil common share capital inilagak mo dyan and not guaranteed ung interest it will depend on the net surplus ng coop after 1 year operation. ung 14% na sinabi mo itoy applicable sa time deposit ng coop itoy guaranteed nila as per certificate
No, for me. An emergency fund is good if you put it in your bank account to get it easier 😊 you can also borrow in cooperative which is not easy and with interest
Section 6. Common and Preferred Share. 6.1. The share capital of a cooperative may consist of common share capital and preferred share capital if the latter is provided for under the cooperatives’ articles of cooperation and by laws. Should the cooperative wish to have common and preferred shares, statements to that effect should appear in the Articles of Cooperation specifying the amount of shares to be offered for common shares and for preferred share. However, it is recommended that only the common share be offered. 6.2. Should preferred share capital be offered, the rights and privileges of holders of preferred shares shall be provided for in the By-laws of the cooperative. 6.3. Preferred share capital shall not exceed Twenty Five (25%) percent or one-fourth (1/4) of the total authorized share capital of the cooperative. 6.4. The paid up and subscription of the common share capital contribution should strictly adhere to the twenty-five percent (25%) requirement based on the authorized capital share. 6.5. No member shall own more than Ten (10%) percent of the subscribed share capital of the cooperative.
sir on 6..4 statement ay mali ; correct statement is 75% of the authorized capital of coop as common share capital . thanks. check the guidelines on how to fill up the articles of cooperation by laws at cda website. Yes members must check the acbl of the coop if they are authorized to offer common and preferred shares.
no. dahil coops are not under bsp . they do not want to accept coops in the pdic. But coops instead offer in return on life insurance coverage for the time depositor as benefits. Importante lang na alam mong coop na establish talaga na hindi fly by night. coops are based on trust. if u dont trust go to other institutions
Sir may tanong lng ako sa inyo gusto ko pong mag invest sa mutual fund paano po? DIY po b ang pag invest d2 ano poba ma advise nyo sa amin na gustong mag invest at maganda po b ang kaiser health care? At huling tanong mayaman n po b kayo? Lol
please explore our playlist on mutual funds. we have a lot of videos there, too, if you wanna learn more about them. here's one: th-cam.com/video/RyhVz6PWk5w/w-d-xo.html If you wanna know more about investing tips, you may also explore our other videos on our Investing playlist. Kaiser is good, but we have to talk with you first if it is the best one for you. Lastly, being rich is relative. Thanks!
van van there are so many cooperatives in the country so the list would be quite long. We have mentioned in the video where you can check the legitimate coops. Thanks.
Coops usually give dividends on an annual basis and we still have yet to see one that gives monthly. we do, however, know of some funds that give a monthly dividend.
all coops ay kumikita monthly but if u question on the share of income NO. because coop never use income at the end of the year operation it is called net surplus an excess payment of members of the products they bought from coop. They will less 30% for mandated deductions of the government and the 70% will be distributed for members interest on share capital (previously known dividend) and patronage refund for members who has business transactions with the coop. It will depend on the common share capital contribution that the members has made within the year.
i make sure everyday meron ako natutunan and isa kayo sa mga mentors na pinapanood ko
Valdeco po maganda po ba coop
Finally, may naglabas ng know how sa coop. I’ll share this mga idol aa!
John Voltaire De Vera please do. and our other videos, too! thanks!
Vince Rapisura has a video in you tube abt the Top Cooperatives in the Philippines. Tons of infos.
Very informative. I always watch your videos.. Sana next time discuss nyo naman ang usong uso ngayon na crowd sourcing/funding. More power
Ahya Carreon thanks! please do subscribe to know when it is up. thanks!
@@WealthArki done already.. Thanks
pwede po ba mag member ang isang isang subdivision para sa problema transportation tricykel (like TODA) PERO ang lahat ng member ay homeowner ng subdivition...sana matulungan nyo kami
Greetings from Ligas Kooperatiba ng Bayan sa Pagpapaunlad - Bulacan, Nueva Ecija and Bataan Area 😊
Magandang Umaga! We hope that we have provided a general overview of the advantages in investing in cooperatives!
@Jewel Ann Hi Ma'am. Gusto ko sumali dyan sa LKBP kaso taga Manila ako. Meron po ba kayong branch sa MM area? Thank you.
Thanks to both of you for more info about investing in coop....nice tandem.
Thanks po nito. Newbie pa lang ako investor ng coop. Target ko mag invest time deposit sa 12 coop 1 month gap each. Any advise po. Thanks
Do you know KSK COOP sir Fitz?
Do u have topic about this coop? Thanks sir..
I used to work in a big company that has a co-op, and ang laki ng kinita ko ng nag resign ako.
Kahit sa company ko noon may coop kami every Dec. Ang div@patronage
Hello po please notice my comment po hehe. Ano po yung much better option kung saan mag invest? Uitf po sa banks under a long term bond agreement orrr ipapasok ko nalang po sa cooperatives po? I've heard kasi malaki yung annual time deposits nila chaka may iba pang benefits. My goal is to choose po sana the option kung saan mas malaki yung passive income ko per year for about 5-7 years at a moderate amount of risk. Patulung po hihi, thank yoü. Considering equity under uitf also.
Further, am from cebu what coop you can reccomend, further to my previous qurries kong puede po TD how much kaya interest rate. Thanks again.
you can look at the Coops near you and inquire with them directly. thanks!
Sir any cooperatives that you recommend,new subscribe here.thank you
KIN CABACHETE we discussed it in our video. Please do watch again should you have missed it. Thanks!
Hi. Is there any review po regarding novadeci coop?
Mukhang maganda naman po ang mga serbisyo ng Novadeci, well judging from the web page. 3.2 B asset, 1.2 B Shares at 44,079 members and 36 years in the business, WOW. Kung taga Novaliches ako sasali ako dito.
May I know please, what else, at least the top 3 are the pros and cons of putting / investing for a share capital in coops ? because I dont quite undestand and I need some more convincing. Thank you in advance for the information.
Emerson Escobar we are here not to convince anyone of investing in any instrument. We just lay down the general features as well as benefits of different investment outlets for our viewer’a reference.
You may watch again our video should you have missed something.
Thanks!
Check out Vince Rapisura. Sobrang dami mong matutunan from his channel.
Pwede b kyo mag recommend ng coop na alm nio then we study and to invest salamat po.. Ung iba kasi gsto nila mg invest pero wala silang alm na coop company
majority of coops are location- and geographic-based so it would be hard for us to recommend one if it is not readily available for all prospective investors. it would be best if you check out your locality or the CDA for one near you. thanks!
Ano po ba Sir magandang coop ang pwdi salian...?
Ksk coop by Francisco Colayco.
Ask ko lang Sir William member po b kayo ng Ksk Coop?
Pano kng d ka membro gosto mo lng maglagak ng pera mo.....
we have discussed that in the video. thanks!
@@winniegonzales3435 Pwede naman lalo na kung ang sasalihan mong cooperative ay tumatanggap ng associate member.
@11:30 it was mentioned that the loan interest is 6 % but I think it is per month. So if the member borrowed 10k and payable in 6 months they will be paying 2,266.00 monthly which is very high. Ganun po ba yun?
rick dela cruz interest rate is usually per annum
how about transportation coop? may video na ba kayo nito? if wla plzz make a vlog for it..
liberato cortez we still have none, but it has the same general as other coops as well. Thanks!
thank you din po..
Currently ofw. Have pagibig & sss flexi investment. Interested in coop also puede ba maginvest in coop example time deposit in short term like 6 months. Thanks guys for your video very informative.
May I know please, what else, at least the top 3 are the pros and cons of putting / investing for a share capital in coops because I dont quite understand and I need some more convincing. because I dont quite undestand and I need some more convincing.
Hi Emerson. Nag butt in na ako. Ang PROS ay mababa ang interest na ipapataw sa utang mo usually 2% or mas mababa pa, depende sa coop. Diminishing balance computation pa ang pag compute ng interest. Ibig sabihin ang papatawan ng interest ay yung balanse ng utang mo hindi naka pako sa halaga ng inutang. Pwede ring umutang ng doble ng halaga ng capital shares mo pero you need a co-maker or collateral to cover half nung halaga ng inuutang. This is to secure the loan. At the end of the fiscal year doon ibinibigay ang DIVIDEND kung kumita ang coop. Pag kumita hati-hati, pag nalugi doon sa taon na yun hati-hati din. Kasi ang mga KASAPI o mga members ay KA-MAY ARI o co-owners kaya dapat tangkilikin ang serbisyo o produkto ng koop. Siyempre dahil co owner ka, may boses ka kung paano gagamitin ng coop ang pinagsama-samang capital.
Ang CONS naman sa Bumbay 5/6 o 20% interest ang patong. Sa mga lendng company mataas din ang interest at hindi diminishing balance computation. Ang dami pang requirements. Walang dividend na ibinibigay liban sa mababang interest ng perang nilagak mo. At meron pang 20% withholding tax. Sa coop wala kasi tax exempted.
So, Maghanap ka ng coop sa lugar nyo at umatend ka ng PMES o Pre Membership Education Seminar para mas makilala mo ang coop, history nito, mga patakaran at mga serbisyo nila. God Bless.
sir guarantee ba ang dividend annualy? meron po ba lock-in period yun pera? and pag mas malaki po ang invest ng isang member mas malaki ang makukuhang dividend?
mico mariñas dividend is not guaranteed although they usually give. money has no lock in and you dont get a different dividend rate with higher amounts invested. thanks!
ah ok po. sir how about government bond which banks ang nag bebenta po? and corporate bond direct ba yan binibenta sa investor ng mga corporation? or how will I know kung saan banks pwede makabili ng corporate bond? thanks din po.
dividend not guaranteed; no lock in pertod at malaki ung dividend mo ag malaki rin ang iyong investment
Sir ano po ba yung commong and prefered share ng cooperative?
Preferred shares can have fixed dividends or set price where members can sell their shares. Common shares have ordinary dividends if declared.
sir may security din ba ang pag invest sa coop?may risk po ba?
as this is not a bank deposit, it is not insured in any way but rather, depends on the financial strength of the Coop. thanks!
yes. any bus has risk but be vigilant always check the stability of leadership and financial capacity
Pwede po ba sumali sa coop ang 16 yrs old?
As far as we know, only persons 18 and above can participate in Coops as it involves legal contract. Best to ask the Coop that you are eyeing in this regard. Thank you.
About a third of my investments right now is in Ayala Coop i gwt abour 7% net income from my shares. My mom on the otger hand is a member of NOVADECI but sometimes there is a loss because the coop gives death benefits for members amd their families
Bukod naman po ung fund nun
Sa Damayan po ung kinukuha
dapat pina re-insure ng novadeci ung mortuary nila pakisabi sa mama mo. bawal yan sa insurance commission at sa cda, hindi insurance ang business nila eh lending naman
Sana po ma feature nyo if safe ba yung Organico Ventures and anong clase po yun. Safe ba po? Legit ba po. Salamat po.
Para po yang scam
Tanong po. Example mg invest ako ng 100k. Mgkano kikitain ko sa 14%? Salamat po sa sasagot
nic 27 that would be 14% of 100k or P14,000.
@@WealthArki paano po kung malaki kinita ng coop? 14k pa rin yun kikitain ko
nic 27 we have discussed it in our video. Kindly watch again should you have missed it. Thanks!
its not investment instead like nvestment ito dahil common share capital inilagak mo dyan and not guaranteed ung interest it will depend on the net surplus ng coop after 1 year operation. ung 14% na sinabi mo itoy applicable sa time deposit ng coop itoy guaranteed nila as per certificate
Ask ko lng po kung ok ba na ilagay yong emergency funds sa coop?? Tnx po sa pag sagot
if you can easily withdraw it at the time that you need it, then it is ok to put a portion on it.
No, for me. An emergency fund is good if you put it in your bank account to get it easier 😊
you can also borrow in cooperative which is not easy and with interest
Salamat po 😁
@@maczf9301 That's why "Emergency Fund" po
Welcome 😊
Paano po sir malalaman ang coop na legit na hnd fake yong sure.ofw po ako dati
we have discussed it in the video. kindly watch again as if you moght have missed it. thanks!
look at www.cda.gov.ph mam nandyan ung listings ng coop then diectly call the coop for more info. thanks
Sir sana about crown funding in the phils
Silmar Coresis hi please see our video regarding crowdfunding m.th-cam.com/video/Gjg54ptig7Y/w-d-xo.html
Nag nenegative din b ang coop
normally, no.
Hindi
sir kayo po ba yung basa login page ng col financial? 🤔
yup cya
@@katv1940 I knew it! haha pang cover material si sir!
We have a cooperative so big that they even have a party list in politics
NOVADECI po yung nasa Novaliches. 😊😊😊
Eljay23 Moso San Dionesio Credit Cooperative naman in Paranaque city.it was established since 1961
nice
Section 6. Common and Preferred Share.
6.1. The share capital of a cooperative may consist of common share capital and preferred share capital if the latter is provided for under the cooperatives’ articles of cooperation and by laws. Should the cooperative wish to have common and preferred shares, statements to that effect should appear in the Articles of Cooperation specifying the amount of shares to be offered for common shares and for preferred share. However, it is recommended that only the common share be offered.
6.2. Should preferred share capital be offered, the rights and privileges of holders of preferred shares shall be provided for in the By-laws of the cooperative.
6.3. Preferred share capital shall not exceed Twenty Five (25%) percent or one-fourth (1/4) of the total authorized share capital of the cooperative.
6.4. The paid up and subscription of the common share capital contribution should strictly adhere to the twenty-five percent (25%) requirement based on the authorized capital share.
6.5. No member shall own more than Ten (10%) percent of the subscribed share capital of the cooperative.
Ano po ba ibig sabihin nyan
Jonathan Tanafranca it defines the different share capitals of cooperatives, as well as the various provisos for it.
sir on 6..4 statement ay mali ; correct statement is 75% of the authorized capital of coop as common share capital . thanks. check the guidelines on how to fill up the articles of cooperation by laws at cda website. Yes members must check the acbl of the coop if they are authorized to offer common and preferred shares.
Nagtry din ako sa coop time deposit 10% per annum
Chris Villanueva ang laki ha, sang coop yan mam?
afpslai and awmslai good coop..malaki ang divs
Ilang percetage per year?
Samera Adapan 15% ata afpslai amwslai mas mababa na. Psslai is 18% pre covid
Sir's, question lang po on coop. yung bang time deposit sa cooperative ay protected ng PDIC (500,000 peso). thank you po and more power. GOD Bless!
Ronald Fajardo no, it is not as it is not a deposit product.
Ronald Fajardo that’s why it’s risky, pero could yield higher returns.
no. dahil coops are not under bsp . they do not want to accept coops in the pdic. But coops instead offer in return on life insurance coverage for the time depositor as benefits. Importante lang na alam mong coop na establish talaga na hindi fly by night. coops are based on trust. if u dont trust go to other institutions
Sir may tanong lng ako sa inyo gusto ko pong mag invest sa mutual fund paano po? DIY po b ang pag invest d2 ano poba ma advise nyo sa amin na gustong mag invest at maganda po b ang kaiser health care? At huling tanong mayaman n po b kayo? Lol
please explore our playlist on mutual funds. we have a lot of videos there, too, if you wanna learn more about them. here's one:
th-cam.com/video/RyhVz6PWk5w/w-d-xo.html
If you wanna know more about investing tips, you may also explore our other videos on our Investing playlist.
Kaiser is good, but we have to talk with you first if it is the best one for you.
Lastly, being rich is relative.
Thanks!
sana po meron kayo list ng legit coop
van van there are so many cooperatives in the country so the list would be quite long. We have mentioned in the video where you can check the legitimate coops. Thanks.
Hi Sir, may alam po ba kayo na coop, na kumikita monthly? Thank you 😊
Coops usually give dividends on an annual basis and we still have yet to see one that gives monthly. we do, however, know of some funds that give a monthly dividend.
@@WealthArki pls share boss
all coops ay kumikita monthly but if u question on the share of income NO. because coop never use income at the end of the year operation it is called net surplus an excess payment of members of the products they bought from coop. They will less 30% for mandated deductions of the government and the 70% will be distributed for members interest on share capital (previously known dividend) and patronage refund for members who has business transactions with the coop. It will depend on the common share capital contribution that the members has made within the year.
FICCO, the BEST cooperative in the country.
paano mo nasabi?