You plan to move to the Philippines? Wollen Sie auf den Philippinen leben?

There are REALLY TONS of websites telling us how, why, maybe why not and when you'll be able to move to the Philippines. I only love to tell and explain some things "between the lines". Enjoy reading, be informed, have fun and be entertained too!

Ja, es gibt tonnenweise Webseiten, die Ihnen sagen wie, warum, vielleicht warum nicht und wann Sie am besten auf die Philippinen auswandern könnten. Ich möchte Ihnen in Zukunft "zwischen den Zeilen" einige zusätzlichen Dinge berichten und erzählen. Viel Spass beim Lesen und Gute Unterhaltung!


Visitors of germanexpatinthephilippines/Besucher dieser Webseite.Ich liebe meine Flaggensammlung!

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Tuesday, February 28, 2023

45 Zentimeter Schnee sorgen für Winterwunderland in Oberbayern

 


45 Zentimeter Schnee sorgen für Winterwunderland in Oberbayern

Erstellt: 28.02.2023, 04:57 Uhr


Von: Katarina Amtmann


Am Wochenende fiel in Teilen Oberbayerns ziemlich viel Schnee. Das dürfte vor allem Wintersportfans freuen. Knapp 45 Zentimeter wurden gemessen.


Inzell - Der Winter läuft in dieser Saison auf Sparflamme. Schnee gab es nur hin und wieder. Wenn er fiel, sorgte er aber oftmals für ein Winterwunderland - wie zum Beispiel im Bayerischen Wald.


Wintereinbruch in Oberbayern: 45 cm Schnee in Inzell (Landkreis Traunstein)

Nun brach der Winter auch über Inzell (Landkreis Traunstein) herein. Wie ein Foto zeigt, betrug die Schneehöhe dort am Sonntagnachmittag, 26. Februar, gut 45 Zentimeter. Das dürfte Schneeliebhaber mehr als gefreut haben. Glücklich waren darüber sicher auch die Wintersportfans auf der Piste und die Liftbetreiber.


Zäher Winter für Wintersportfans: Oft zu wenig Schnee auf den Pisten

Denn Skifahrer hatten in den letzten Monaten oft Pech. Für Wintersportler ist der aktuelle Winter oftmals sehr enttäuschend, da zu wenig Schnee liegt. Eine Expertin schlug deshalb Alarm und forderte zum Umdenken auf. Die Skifahrer in Inzell genießen das aktuelle Wetter deshalb vielleicht jetzt umso mehr. (kam)

Latest Travel Guide for Foreign Nationals Visiting the Philippines as of March 2023




BDO net balloons to P57B


A view of BDO Unibank Inc.'s main office building in Makati City. File Photo

By The Manila Times

February 28, 2023 


THE country's largest bank saw its net income surge to P57.1 billion last year, up 34.7 percent from P42.8 billion in 2021, following robust growth across its core businesses.


The earnings were "broad-based and diversified," the Sy-led bank said in a statement, adding that it remained optimistic about its growth prospects despite current headwinds.


"We continue being alert to the challenges posed by supply constraints, higher inflation, tighter external liquidity, rates/FX (foreign exchange) volatility and geopolitical strains," it said.


"While macroeconomic challenges remain... BDO believes that its established business franchise and strong balance sheet will allow the bank to surmount near-term risks and capitalize on structural growth opportunities to attain long-term sustainable growth," it also said.


Return on equity improved to 13 percent for the year — 15.3 percent in the fourth quarter alone — from 10.5 percent in 2021 and 12.8 percent in 2019 before the start of the Covid-19 pandemic.


Gross customer loans were said to have gone up by 9 percent year on year, which BDO described as "broad-based" and due to the economy's reopening. Deposits climbed by 14 percent and net interest income grew by 14 percent to P149.2 billion.


Non-interest income, meanwhile, rose by 17 percent to P71.5 billion on the back of strong fee income, foreign exchange and fixed-income client-flow businesses.


Asset quality also improved, the bank said, with the non-performing loan (NPL) ratio declining to 1.95 percent and NPL coverage strengthening to 167 percent.


Total capital expanded to P461.5 billion with the capital adequacy and common equity tier 1 ratios both above regulatory minimum levels at 14.5 percent and 13.4 percent, respectively. Book value per share rose by 9 percent to P86.20 year on year.


Also on Monday, BDO announced on Monday that its board of directors had approved an increase in the bank's quarterly cash dividends on common shares to P0.75 per beginning this year and payable on March 31, 2023.


"This will be the new dividend policy of BDO going forward," the bank said in a separate statement.


"This higher dividend payout compares favorably with the P0.30 per share quarterly dividend in the past, as the bank recognizes the importance of providing a stable and sustainable dividend stream consistent with its commitment to shareholders, and its financial performance," it added.


The bank's shares rose by 10 centavos, or 0.08 percent, on Monday to P124.10 apiece amid a 1.29-percent plunge for the benchmark Philippine Stock Exchange index.

DOTr tells transport groups: Let’s talk first before you strike

by Argyll Cyrus Geducos

Transportation Secretary Jaime Bautista asked transport groups to sit down and iron out the issues concerning the sector with the Department of Transportation (DOTr) before they stage a week-long transport strike.

photo: Ali Vicoy

Bautista said this in response to the planned transport strike starting on March 6.

In an interview with Communications Secretary Cheloy Garafil, Bautista said the government and the transport organizations should at least discuss each other’s positions regarding the Public Utility Vehicle (PUV) Modernization Program. 

“Dapat pag-isipan nating mabuti yung pag-stop ng operations. Dapat mag-usap-usap muna (We should think carefully about stopping operations. We should talk first),” he said on Monday, Feb. 27.

“Let’s understand what the issues are kasi baka hindi tayo nagkakaintindihan (because we just might be misunderstanding each other),” he added.

Bautista proposed a dialogue between the stakeholders, such as transport operators and representatives from the DOTr and the Land Transportation Franchising and Regulatory Board (LTFRB).

“Ang problema yata ay hindi nagkaroon ng representatives ang DOTr doon sa mga discussions para ma-clarify kung anuman ‘yung mga issues (I think the problem was there were no DOTr representatives in the discussions to clarify issues),” he said. 

“I have already instructed the Undersecretary for Road Sector to coordinate with the LTFRB and with the operators,” he added.

Meanwhile, Bautista clarified that they are giving ample time to transport groups to muster enough funds to buy new units for their operations in line with the government’s PUV modernization program.

The DOTr chief pointed out that there would be no phase-out of old PUV units in areas where groups could not acquire new units for their designated routes.

In places were the drivers find it very hard to acquire new equipment, Bautista said the DOTr would give the operators time to join cooperatives to help them get the necessary equipment.

He added that the DOTr has been working closely with the Development Bank of the Philippines and the Land Bank of the Philippines to help transport groups and cooperatives finance modernized transport units’ acquisition.

Duterte to Mindanao student leaders: Rebuild torn communities with peace, trust

by Joseph Pedrajas

Vice President Sara Duterte has called on Mindanao youth to help the government rebuild their communities affected by conflict with peace and trust for the success of the Philippines.

In a gathering of student leaders in Sultan Kudarat State University on Monday, Duterte, who concurrently serves as the secretary of the Department of Education (DepEd), also appealed to make education accessible to the youth as “literacy is one of the casualties of war” that hinders the island’s progress.

Vice President Sara Duterte talks to the student leaders of Mindanao at Sultan Kudarat State University on Monday. (OVP photo)

“Together, let us rebuild our conflict-affected communities with the values of peace, mutual trust, and conflict transformation that will empower us to achieve our shared goals for sustainable development and inclusive socio-economic advancement,” Duterte said. 

The vice president lamented the violence that persists in many parts of Mindanao as the youth “have suffered the misfortune of chronically interrupted learning progress.”

“Meanwhile, our youth, especially those who have forcibly dropped out of school are vulnerable to being recruited by groups that espouse violence and terrorism,” she added.

But Duterte said she “never lost faith in the power of the Filipino youth,” and that DepEd commits to hone children to be nation builders to “unlock Mindanao’s full potential.”

“As the Secretary of the Department of Education, I hold on to this promise as we work hard to institutionalize peace and boldly introduce reforms in our basic education curriculum,” she said.

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She then challenged the student leaders to be the change they want for the societies and sustain its ties with the government to achieve their goals.

“As a fellow Mindanawon, I urge you to partner with the government in empowering your peers to become fellow catalysts of peace, reconciliation, and non-violence in your communities,” she said.

Pokwang: ‘The best revenge is to be fit and healthy’

by Stephanie Bernardino, MB

Pokwang reiterated the need to be fit and healthy in an Instagram post.

On Instagram, she uploaded a video of her doing some exercise routine.

Her caption read: “The best revenge is to be fit and healthy, not to impress some one or anybody, dapat fit para sa mga anak lalo na kung single mom ka.” 

“Hindi dapat sinisisi ang isang ina kung napabayaan ang katawan kaya nag hanap ng iba si mister, siguro kaya napabayaan kasi kakaalaga sating mga anak? kakaisip pano tayo palalakihin ng maayos? hindi maka pag pa salon kasi kulang sa budget? kakainin nalang ng mga anak, pang baon sa school pang tuition fee,” she added.

She then told her followers to refrain from ridiculing women, particularly mothers.

“Dahil para mo narin sinisi sarili mong ina na nagpabaya dahil sa pagmamahal sayo,” she related.

The Kapuso star ended her post with: “#PeaceEveryone ang ganda ng katawan ay kumukupas at babalik sa alabok pero pagmamahal ng isang anak ay walang kamatayan.”

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Pokwang also used the hashtags: “#womenempowerment” and “#Labanlangnanay.”

The time for innovation is now!

Published February 28, 2023, 12:05 AM

The Greek philosopher Heraclitus once said, “The only constant in life is change.” And if he were to update this based on current circumstances, he would’ve added the word “innovation.” Change, simply defined, is the act to be different. But innovation is bringing that act one notch higher, toward a better form, toward a better place.

In tech-driven times, we always hear about innovation. “Innovate, or perish” is the mantra of so many companies who have survived changes brought about by life-altering circumstances. In our history, these events are plenty — introduction of the computer, arrival of the hand-held gadgets, connection to the internet, to the emergence of artificial intelligence. Amid all these, what made huge corporations or small businesses survive and thrive is innovation. Without it, they cease to exist as the conditions are different from what they were accustomed with before.

Innovation, however, need not be in the realm of businesses alone. It is high time for the Philippines to develop an “innovation ecosystem,” which is currently championed by National Economic and Development Authority (NEDA) Director General and Socio-Economic Planning Secretary Arsenio Balisacan. 

Balisacan made this remark during the National Innovation Council’s (NIC) first meeting under the Marcos administration last Feb. 21, 2023. Unknown to most Filipinos, there is an NIC, which is composed of 25 members, with the President as chairperson and the NEDA director general as vice chairperson. The rest are composed of 16 ex-officio members and seven members from the private sector.

Formed in 2019 under the Duterte administration, the NIC is “tasked to develop the country’s innovation goals, priorities, and long-term national strategies.” It is quite a surprise, or puzzling maybe, that its first meeting under the new administration is only the NIC’s fourth meeting since its creation (disrupted maybe by the pandemic). Now, wouldn’t it be more “fruitful” to have more meetings on innovations in the coming months?

All is not late, hopefully, as the NIC’s meeting was presided over by the President, who concurred with the important role of innovation to ensure economic growth, competitiveness, and resilience amid worldwide upheavals.

Balisacan said that one of our major challenges as a country is that “we have not paid much attention to innovation” and that the Philippines lags behind its neighbors when it comes to innovation.

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To address this challenge, Balisacan said: “What we want to happen is that we have an ecosystem that encourages, promotes… and helps them locate funds, access to credit… so that good ideas can be supported.” There is an Innovation Fund, which is a revolving fund aimed to support enterprises that are developing innovative solutions.

The NIC also presented to the President the important features of RA No. 11293 or the “Philippine Innovation Act” and updates on the formulation of the National Innovation Agenda and Strategy Document (NIASD). The NIASD “outlines the country’s 10-year vision and long-term goals for innovation and serves as a detailed roadmap toward improving innovation governance.”

“These documents aim at enabling a strong innovation governance to drive the innovation ecosystem toward (our) goals of a smart and innovative Philippines that is productive, resilient, and sustainable, as well as inclusive,” Balisacan said.

With this promising start, may the path to embrace innovation be smooth and steady. As a country, we have to innovate, before it’s too late! Otherwise, we suffer the disgraceful consequence of irrelevance on the world stage.