It's inspiring to see a young person with such an extensive portfolio. However, I’d like to point out that she likely gained opportunities to invest in properties through her personal connections, such as co-owning, purchasing from family, and buying cheap from liquidating sellers. She probably has an excellent network that not everyone would be able to replicate. Remember, your network is your net worth.
Wow that's amazing.... At the age of 30 palang... Pwede ka nang mag relax na lang sometimes ... I'm so happy to your achievements 😊😊😊😊😊😊😊😊😊😊😊😊😊😊 And thank you for sharing a lot of your knowledge and achievement to us...
she’s back with a new video! not sure if you did already, but can you make a video for REITs only and your thoughts about it! i believe you invest in those as well. thanks, Ms. Charm!
Your videos have been such an inspiration, Ms Charm. Thank you for sharing your expertise and motivating viewers like me to take steps toward financial freedom 💖
Never naman ata nakatikim ng minimum wage si ms charm lol. Sorry if medj rude. At that income, strive to get a better job muna. Start with call centers imo, very low entry requirement, relatively ok salary (25k usually). Tapos start with 50/30/20 rule and dont inflate your lifestyle. Focus heavily on MP2, learn to play the long game. Imo for 10k-25k income, ang portfolio mo ay: small EF sa checking account, big EF sa High Yield Savings Account, MP2, very small amount of crypto. That’s it.
@@brokeindio5072 thanks man don't worry i feel no hate. Anyways thanks for this, I am currently recovering my lost life because of ADHD. Will do this :)
I was earning ₱5,000/month for the first few years of building my businesses. But agree with the comments above. Best is to focus on increasing income muna. Investments need capital,
Hi po, where do you usually look for pasalo properties? And what do you usually ask questions to the agents when you're planning to buy real estate? Thank you po ☺️
The corporation can either be an active business or a holding company. For example, It’s easier to change owners via the corporation rather than change the owner in the title (cct/tct).
@@CharmdeLeonthis is actually what im curious about. Is it easy to setup a holding corporation? Are there tax benefits for it? How does one increase the number of shareholders?
@@CharmdeLeonthis is actually what im curious about. Is it easy to setup a holding corporation? Are there tax benefits for it? How does one increase the number of shareholders?
@@lonewolf4663 i spend a lot of time browsing through real estate websites, talking to people about real estate, i let broker friends know that I’m always open if a good deal comes their way, etc!
Hello mam question, how to get co-ownership for buying a condo or house and lot? Is it contract with your friends poba? or you have any other groups po? I’m stuck on this part because number 1 it’s hard to buy a condo or house and lot solo, and I want to diversify my portfolio in real estate 🙏🏻
curious about your main business. Why should food stalls go to you guys instead of directly talking to the commercial buildings/spaces to rent out space for their kiosk?
As an esteemed food market, we have a lot of foot traffic. 5,000-8,000 daily. So you can focus on operations and sales. Less worry sa marketing. Dining tables are also communal so less overhead and maintenance
@@Futokuko I think actively managing your properties well sets you apart from everyone else. Thoughtfully furnished spaces, responsiveness, and consistency helps out in renting out your spaces short or long term.
@@artemis543 it’s the term for a loan you take when the title is transferred to you already. So it’s assumed that I paid the seller already and the bank is reimbursing me (buyer). If it’s an acquisition loan, money goes to seller.
Can you pls make a video on how to manage beach properties mam?😁 just bought beach lot and im interested how you manage your beach properties. Thanks in advance😊
Hello, you mentioned that most of them are still being paid via equity and you will take a mortgage, also some are still on mortgage. Wouldnt that technically be considered a liability atm until such time it is paid?
That's true, but in computing your networth its usually ASSETS minus LIABILITIES thus if your asset/property increased in value while paying the mortgage, it will yield in positive networth, so even though its not yet fully paid, it adds positively to your networth and portfolio.
@@parekoys100 Yes, correct. 3 are fully paid, and 3 are under loan/to be under a loan. Even if this is the case, we still technically own it already (just owe the bank money haha) and we are still net positive with these investments (paid equity + increase in value)
Hi Charm! Amazing videos! Quick question tho, isn’t condo properties are somewhat in a bubble now specially in Metro Manila area? What’s your thoughts on that?
I think it really depends on the deal. Real estate almost always appreciates anyway so even if you buy at the “peak” of the price, it’s still gonna increase in value eventually.
It's inspiring to see a young person with such an extensive portfolio. However, I’d like to point out that she likely gained opportunities to invest in properties through her personal connections, such as co-owning, purchasing from family, and buying cheap from liquidating sellers. She probably has an excellent network that not everyone would be able to replicate.
Remember, your network is your net worth.
Thank you! I just started working and feel a bit lost, so your channel is perfect for me. I still have many of your videos to watch and catch up on!
Wow that's amazing.... At the age of 30 palang... Pwede ka nang mag relax na lang sometimes ... I'm so happy to your achievements 😊😊😊😊😊😊😊😊😊😊😊😊😊😊
And thank you for sharing a lot of your knowledge and achievement to us...
woah its been a while since a watched your video. AdultingPH pa nung pandemic around 2020~2021. happy to see you have many subs now!
she’s back with a new video! not sure if you did already, but can you make a video for REITs only and your thoughts about it! i believe you invest in those as well. thanks, Ms. Charm!
@@gabcruzata i haven’t! I totally should, thanks for the idea!
First time seeing your channel. This inspired me to start diversifying my portfolio!
Your videos have been such an inspiration, Ms Charm. Thank you for sharing your expertise and motivating viewers like me to take steps toward financial freedom 💖
Looking forward to more details about the beach houses!!! 😍
You are back finally..
can you help us minimum wage earners (10K /M) how to maximize our money potential by investing?
Never naman ata nakatikim ng minimum wage si ms charm lol. Sorry if medj rude.
At that income, strive to get a better job muna. Start with call centers imo, very low entry requirement, relatively ok salary (25k usually).
Tapos start with 50/30/20 rule and dont inflate your lifestyle. Focus heavily on MP2, learn to play the long game.
Imo for 10k-25k income, ang portfolio mo ay: small EF sa checking account, big EF sa High Yield Savings Account, MP2, very small amount of crypto. That’s it.
@@brokeindio5072 thanks man don't worry i feel no hate. Anyways thanks for this, I am currently recovering my lost life because of ADHD. Will do this :)
I was earning ₱5,000/month for the first few years of building my businesses. But agree with the comments above. Best is to focus on increasing income muna. Investments need capital,
Emergency funds first, then save/invest in digital banks and stable cooperatives like Tagum coop & BCC MPC.
Job hopping, learn new skills. Job hopping na walang katapusan. Then balikan mo mga video ni charm how to save money. Then go on.
Hi po, where do you usually look for pasalo properties? And what do you usually ask questions to the agents when you're planning to buy real estate? Thank you po ☺️
Thanks a lot for this. Curious about owning under a corporatiom. How does it work?
Thanks again!
The corporation can either be an active business or a holding company. For example, It’s easier to change owners via the corporation rather than change the owner in the title (cct/tct).
Yeah, I'm wondering what does it look like. Haha
@@CharmdeLeonthis is actually what im curious about. Is it easy to setup a holding corporation? Are there tax benefits for it? How does one increase the number of shareholders?
@@CharmdeLeonthis is actually what im curious about. Is it easy to setup a holding corporation? Are there tax benefits for it? How does one increase the number of shareholders?
@@CharmdeLeon I'm curious about this too, can you make a more detailed video about this please? TIA!
Thank you for sharing. ❤
Very informative and helpful thank you for sharing!
not real estate related but I'm shocked you look like a teenager swear you look young
You've clearly mastered investing. Can you share some tips for those starting out on minimum wage? Real estate is a great way to lift them up!
can you include next time how you get these good deals? Did you shop it yourselves or thru agents?
@@lonewolf4663 i spend a lot of time browsing through real estate websites, talking to people about real estate, i let broker friends know that I’m always open if a good deal comes their way, etc!
I'll go for REITS instead of physical real estate properties.
Yup REITS! less stress less tax to pay
Definitely ok din! I also have REITs 😊
lalo kang gumaganda charm...thanks s new video.slamat at nka pg upload k po ulet
Pls make a video about beach rentals! we need more infoooo
Thank you! 8:23pm 11-7-24 THUR
Great job Charm! Congrats! I can totally relate. I own 5 condos and a house too! Best of luck!
Ang ganda nung industrial type na beach houseee, I want to rent!
Congratulations! I really look up to you.
Omg! Im waiting for this! I also can’t wait sa future videos mo how to buy house & lot or maybe just lot para saming wala talagang idea. 🥹
I'm interested in learning how to ensure that the real estate property (condo, lot, house & lot) being sold is not a scam.
Best to transact with the developer or a registered broker.
Hello mam question, how to get co-ownership for buying a condo or house and lot? Is it contract with your friends poba? or you have any other groups po? I’m stuck on this part because number 1 it’s hard to buy a condo or house and lot solo, and I want to diversify my portfolio in real estate 🙏🏻
Hi Charm! How to setup a corporation and buy a condiminium as a corporation?
@@romelimmense we went through a lawyer. You can set up a holding company or put it under an actively earning company. Either way works
curious about your main business. Why should food stalls go to you guys instead of directly talking to the commercial buildings/spaces to rent out space for their kiosk?
As an esteemed food market, we have a lot of foot traffic. 5,000-8,000 daily. So you can focus on operations and sales. Less worry sa marketing. Dining tables are also communal so less overhead and maintenance
Any suggestions how can i maximize my earnings on my unit at savoy mactan?
any thought on the severely over saturated and low return Realestate market in the Phils?
@@Futokuko I think actively managing your properties well sets you apart from everyone else. Thoughtfully furnished spaces, responsiveness, and consistency helps out in renting out your spaces short or long term.
What is reimbursement loan?
@@artemis543 it’s the term for a loan you take when the title is transferred to you already. So it’s assumed that I paid the seller already and the bank is reimbursing me (buyer). If it’s an acquisition loan, money goes to seller.
Can you pls make a video on how to manage beach properties mam?😁 just bought beach lot and im interested how you manage your beach properties. Thanks in advance😊
how did you acquire those assets po? nag loan po ba kayu?
@@internetexplorer9430 some were under a loan and some were paid in cash (hati kami 1/5 lang binayad ko since I only own 20%)
Hello, you mentioned that most of them are still being paid via equity and you will take a mortgage, also some are still on mortgage. Wouldnt that technically be considered a liability atm until such time it is paid?
That's true, but in computing your networth its usually ASSETS minus LIABILITIES thus if your asset/property increased in value while paying the mortgage, it will yield in positive networth, so even though its not yet fully paid, it adds positively to your networth and portfolio.
@@parekoys100 Yes, correct. 3 are fully paid, and 3 are under loan/to be under a loan. Even if this is the case, we still technically own it already (just owe the bank money haha) and we are still net positive with these investments (paid equity + increase in value)
Hi Ma'am what do you mean po by "under a corporation?" and having 20% of ownership?
It’s under a SEC registered corporation or company and I’m 1 of 5 owners.
@@CharmdeLeonhow to be a co-owner po?
Hi Ms. Charm! Curious lang po what happened bakit ang tagal nyo walang upload?
Mam can you explain LLC or it’s local equivalent in the Philippines? I think it’s a great topic for everyone if your in the real estate industry😊
Here it would be a corporation! Pwede future video 😊
@@CharmdeLeonyes please! im interested too
Hi, do you Buy and Hold or you are flipping it?
Buy, hold, and if needed, loan against it/use it as collateral.
Monthly earn per property?
We’re only renting out 2. 2 are used as office (so saving on rent), 1 is to be turned over, and 1 is to be renovated for primary home use
Hi Charm! Amazing videos! Quick question tho, isn’t condo properties are somewhat in a bubble now specially in Metro Manila area? What’s your thoughts on that?
I think it really depends on the deal. Real estate almost always appreciates anyway so even if you buy at the “peak” of the price, it’s still gonna increase in value eventually.
ang tinuod nag sims ka para sa layout sa property thumbnails? because why is it kind of accurate hahaha
Hahahaha! That’s actually pretty smart, I should’ve done that. But it’s just a lot of scrolling and looking sa canva 😂
@@CharmdeLeon hahahaah ohhhh so natimingan lang jud diay. what if imo jud ginaningan ug sketchup? hahahah
@ I mean…I could’ve put my architect title to good use 😂
new video
Sa reits po muna ako hindi ko pa po kaya bumili ng property