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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Sunday, April 26, 2026

Whose voice do you follow?

 


By Fr. Rolando V. De La Rosa, OP
Published Apr 26, 2026 12:05 am | Updated Apr 25, 2026 03:41 pm
THROUGH UNTRUE
“Whose voice do you follow?” This is not just a theoretical question but a deeply personal one. Our lives are shaped by the voices we listen to. Every day, journalists, advertisers, bloggers, influencers, celebrities, politicians, as well as business and technology guruscompete for our attention and allegiance. We must learn to distinguish between voices that lead us astray and those that lead to truth and goodness.
In today’s Gospel reading, Jesus likens us Christians to sheep (John 10:1–10). This may seem unflattering. To be compared to sheep might suggest that Christians are afflicted with a “herd mentality,” following any voice they hear and going through life without conviction or purpose.
However, researchers have shown that the so-called “herd mentality” of sheep is not a sign of weakness but a necessary strategy for survival. Unlike many animals that can fend for themselves, sheep are inherently defenseless against predators. When threatened, they instinctively move toward the center of the herd, where they are least exposed to danger. Those that stray to the edges become more vulnerable. Sheep must remain close to one another and, above all, listen to and respond to the voice of the shepherd whom they recognize.
Sheep do not follow just any voice; they are discerning in the way that matters most. A stranger’s call sends them fleeing, but the familiar voice of their shepherd draws them near. In the same way, being a Christian requires that we become deeply attuned to the voice of Christ.
Jesus likens us to sheep to remind us that, in a world that has become hostile to His teachings, we are vulnerable and in need of guidance. He teaches us that the distinguishing mark of a Christian is not passivity or mindless conformity, but a strong sense of belonging and the ability to recognize the shepherd’s voice. As Jesus declares, “My sheep hear my voice; I know them, and they follow me” (John 10:27).
This raises a crucial question: Do we still recognize the voice of Jesus, the Good Shepherd? In a world convulsed with noise, this is no small challenge. We are surrounded by persistent and often deceptive voices that blare through smartphones, social media, television, and the internet. We are constantly told, “Do what you want. Follow your desires. Be who you want to be.”
These messages, when repeated endlessly, can dull our spiritual and moral sensibilities. They promise freedom but often lead to a subtle form of slavery. Jesus warned us about such voices: “Beware of false prophets, who come to you in sheep’s clothing but inwardly are ravenous wolves” (Matthew 7:15). They mimic the tone of the Good Shepherd but lack His integrity and compassion.
The Bible is commonly referred to as the Word of God. Today, it is more accessible than ever, but also increasingly ignored and neglected. A well-known talk show host once asked a guest to name one of the Ten Commandments. The person replied, “Thou shalt not covet your neighbor’s goose.” The host then asked another person to complete this biblical phrase: “Let him who is without sin…” The reply was, “have a good time.” These responses may provoke laughter, but they also reveal a troubling reality: our lack of familiarity with the Scriptures.
The Bible is not merely a book; it is the living Word through which God speaks. If we often feel lost or directionless, or if many suffer from a mental health crisis, it may be because we have allowed other voices to drown out the voice of Jesus. When was the last time you opened your Bible to seek guidance?
Our noisy world drives us to fear, restlessness, and endless craving. But the voice of the Good Shepherd challenges us to seek that kind of contentment that is deeper than success, stronger than suffering, and more enduring than death.
Only Jesus calls us by name, seeks us when we are lost, and lays down His life for us (John 10:11). His voice does not enslave; it sets us free. It does not confuse; it brings clarity. It does not scatter; it gathers and leads us safely home.

BDO profit hits ₱20 billion even as bank builds rainy-day fund

 


By James A. Loyola
Published Apr 25, 2026 03:26 pm
Nestor V. Tan, President and CEO of BDO Unibank, Inc.
Nestor V. Tan, President and CEO of BDO Unibank, Inc.
BDO Unibank Inc., the country’s largest lender by assets, reported a two percent increase in first-quarter net income as double-digit loan growth across all market segments offset a decision to bolster its rainy-day reserves.
Net income for the Sy family-led bank rose to ₱20.1 billion in the three months ended March 31 from ₱19.7 billion a year earlier, according to a filing with the Philippine Stock Exchange on Friday, April 24.
The modest bottom-line growth reflects a more cautious stance by the lender, which increased its provisions as a preemptive measure against what it described as evolving geopolitical risks.
Despite the heightened provisioning, the bank’s core operations showed significant momentum. Net interest income climbed 11 percent during the period, underpinned by a 16 percent surge in gross customer loans, which reached ₱3.8 trillion. This expansion was broad-based, with the bank reporting double-digit growth in its corporate, middle-market, and consumer portfolios.
BDO’s deposit base remains a primary engine for its lending activities. Total deposits expanded 15 percent year-on-year, while the growth of low-cost current account and savings account (CASA) balances accelerated to seven percent.
The bank’s ability to maintain a steady flow of cheap funding has been critical in navigating a high-interest-rate environment that has pressured margins across the Southeast Asian banking sector.
Non-interest income, which includes fees and trading gains, rose six percent. A standout performer within this segment was the bank’s insurance operations, which saw a 27 percent jump in income. This diversified revenue stream helped propel the bank’s pre-provision operating profit to mid-teens growth, according to the disclosure.
Asset quality, a key metric for investors monitoring the health of the Philippine economy, continued to trend favorably. BDO’s non-performing loan (NPL) ratio improved to 1.68 percent from 1.77 percent in the same period last year. To insulate itself from potential defaults, the lender maintained an NPL coverage ratio of 132 percent.
The bank reported a return on average common equity (ROCE) of 12.8 percent for the quarter. Shareholders’ equity rose nine percent on the back of consistent earnings, pushing the book value per share up eight to ₱119.36. The bank’s Common Equity Tier 1 (CET1) ratio, a measure of financial strength, stood at 13.3 percent.
BDO management stated that the bank’s dominant market position and diversified franchise provide a buffer against a dynamic operating environment.