More and more foreign dignitaries are visiting Davao City.
This might not be the typical expat blog, written by a German expat, living in the Philippines since 1999. It's different. In English and in German. Check it out! Enjoy reading! Dies mag' nun wirklich nicht der typische Auswandererblog eines Deutschen auf den Philippinen sein. Er soll etwas anders sein. In Englisch und in Deutsch! Viel Spass beim Lesen!
You plan to move to the Philippines? Wollen Sie auf den Philippinen leben?
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!
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Wednesday, July 8, 2026
More and more foreign dignitaries are visiting Davao City
These banks and e-wallets made changes in their transfer fees
By Ica Hontiveros-Cheng
Published Jul 7, 2026 07:30 pm
Banks and e-wallets have been playing catch-up in announcing zero transfer fees, free transfers, or a lower transfer fee, and consumers are enjoying it. BPI made the announcement first, saying it will waive the InstaPay and PESONet fees on the BPI app, BPI Online, VYBE e-wallet, and BizKo starting July 1, 2026.
BPI President and CEO TG Limcaoco said that eliminating the per-transaction charges was a meaningful step toward financial inclusion for millions of Filipinos. By making digital transfers completely free, BPI aims to simplify everyday payments.
As of this writing RCBC DiskarTech, UnionBank, and Landbank have already announced free bank transfers.
These free bank transfers did not just happen. Through Memorandum No. M-2026-025, which was issued last June 17, the BSP (Banko Sentral ng Pilipinas) lifted the moratorium on increases in InstaPay and PESONet transaction fees. It also issued new rules aimed at making electronic charges fairer, more transparent, and reflective of actual costs for them.
The BSP indicated that digital transfer fees should be significantly lower than actual face-to-face bank transfers. And while a number of banks have already announced free transfer fees, others are offering a number of free monthly or daily transfers.
MariBank has been offering 50 free InstaPay and PESONet transfers per month since updating its transaction policy on June 1. However, there will be a P15.00 transfer fee after the limit is exceeded.
Not to be confused with RCBC Diskartech, RCBC Pulz offers 30 free monthly transfers as long as the transaction is P100.00 and above.
In case you didn’t know, you can use your Robinsons Go Rewards points to cover transfer fees through GoTyme Bank. Although you don’t have to use it just yet, since GoTyme users enjoy 20 free InstaPay transfers monthly. Keep in mind that GoTyme’s PESONet transfers are unlimited and free.
CIMB Bank customers can make up to 2 free InstaPay transfers daily to local banks, subject to a maximum of P50,000.00 per transaction. Should you have already used your two daily transfers, subsequent transactions will incur a P10.00 fee. CIMB Prime or CIMB Biz account holders can enjoy up to 10 free daily transfers. Please note that PESONet transfers through CIMB are still free.
Both GCash and Maya decreased their transfer fees from P15.00 to P10.00. PESONet transfers for Maya are still free.
Metrobank lowered its InstaPay transfer fee to P8.00 per transaction, the lowest rate that the bank has offered. The transfer fee before was at P25.00.
From P10.00, Chinabank has also reduced its InstaPay fee to just P5.00 per transaction.
On Monday, Malacañang expressed hope that more banks would follow suit and make digital fund transfers free of charge. A definite win for consumers, as they surely appreciate every peso saved. Here’s to hoping more banks follow.
US backs Philippines after China's ballistic missile launch into Pacific Ocean
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China’s military test-launched a long-range ballistic missile Monday from one of its nuclear-powered submarines in the South Pacific, drawing protest and concerns from countries in the region. Read more | ||
Japan's Chief Cabinet Secretary Minoru Kihara on Monday voiced concern over China's missile launch on Monday, July 6. Read more | ||
Meanwhile, US Ambassador to the Philippines Lee Lipton says Washington stands with the Philippines following China’s test launch. Read more |
Why do we study mathematics?
Marciano L. Legarde
The study of the sciences has become more significant than ever as the years have gone by. It is a decisive factor that tells us the direction of where our country is heading; either a few years back or several years into the future.
Imagine a particle, let’s say an electron, traveling in a medium with its fellow electrons. Back then, it was thought that electrons were perfectly spherical point charges that moved around the nucleus the same way as how planets orbit around the sun. This was the classical era of physics. Gustav Kirchhoff in 1857 was the first to identify the connection between the speed of light and the speed of electric signals in a wire. Wilhelm Eduard Weber and Rudolf Kohlrausch in 1856 determined the ratio of electric and magnetic units and found it to be almost exactly equal to the velocity of light. James Clerk Maxwell in the 1860s developed a unified mathematical theory of electromagnetic fields. Finally, J.J. Thomson in 1897 identified the electron as a specific subatomic particle with mass, which allowed him to make the final distinction between the particle’s own physical drift velocity and the speed of the field it produces.
Furthermore, with recent developments in quantum mechanics, we have realized that particles, including the electron, are not even point spheres; a particle can be both a wave and a particle simultaneously while actually being a cloud of probabilities. Albert Einstein, the one behind the theories of relativity, felt dissatisfied with the idea of quantum nature being probabilistic, famously saying, “God does not play dice.”
I used to hate mathematics. I never really paid attention in classes related to science and mathematics during my early junior high school days. I thought it was “too boring” or “too difficult to understand.” But that was because I wasn’t putting effort into understanding the true nature and purpose of science and its language, mathematics.
When I was in Grade 10, I was intrigued by physics. I developed a sense of curiosity and purpose. I found myself questioning my own existence (not an existential crisis, of course) and questioning the world around me. It all started with two simple questions: “What am I?” and “How does it all work?”
With recent developments in physics and mathematics, I learned that math is an essential tool physicists use to prove a phenomenon in our universe without having to see it firsthand. And surprisingly enough, later experiments seem to almost perfectly align with the math that the scientists computed. So, what really is mathematics?
We all know the common title of math being the “language of the universe.” But why? Mathematics was only used for counting and measuring shapes and sizes. But over time, we needed to use the concept of numbers in other forms of measurement like strength, equilibrium, temperature, and area. Civilizations found the utility of numbers to be so useful that, over time, they used the logic it provides to progress their respective nations. But this became a double-edged sword. The moment we learned the power of numbers was also the moment we learned how to create and destroy more efficiently.
So, why do we study mathematics? There is a simple answer, but it is difficult in practice: to make humanity more powerful and advanced, to make life easier. But that’s the practical reason.
I use the language of mathematics to explore the hidden mysteries of the universe and provide solutions that can be useful for everyday practicalities. I use mathematics because I am curious about the “what-ifs.” I use mathematics because it lets me test the limits of the current status quo of knowledge.
Mathematics is the reason why our buildings remain stable. Mathematics is the reason why our GPS exists. Because while physics provides the intuition, the numbers are the tools that we use to make sure that it is less likely for things to go wrong.
As Filipinos, it is our responsibility to make use of our resources to improve our country. To truly fight for our nation, we must acknowledge that mathematics is the actual net external force that pushes progress forward. Because intuition will remain a feeling without the formal proof that mathematics provides. Even if mathematics is not part of your course, it is illogical to grow resentment toward it. How can you hate something that you don’t even know?
It is simply how to build logic and how to effectively link other past logics together so we can reach a meaningful conclusion. It teaches us to be critical and extremely careful with the things that we have in our own hands. It teaches us to be responsible and accountable, and not to let failure be the end of the journey. Because in mathematics and science, failure is just data, not the end of the world.
PSA Davao de Oro Strengthens National ID Advocacy
Through Province-wide Sticker Campaign
Reference No. PR-261182-018
The "National ID Accepted Here" stickers were posted in partner establishments,
including 31 government offices and 27 financial institutions and private
establishments, signifying their acceptance of the National ID as a valid proof of
identity. These stickers also remind the public that the National ID Card, National
ID in Paper Form, and Digital National ID are the three official and government-
recognized formats of the National ID, all of which are equally valid for identity
verification. In addition, the QR codes featured on the sticker’s direct users to
official National ID information and provide access to the appropriate channels for
reporting incidents involving the non-acceptance of the National ID.
Meanwhile, the National ID Team also installed 69 National ID public information
stickers in high-traffic areas to further expand the reach of National ID awareness
across the province. These were strategically posted in 51 transportation hubs, 13
government-designated public posting areas, one commercial and semi-public
establishment, one healthcare and social services area, and one property open to
the public. Through these strategic locations, National ID information is made more
accessible to commuters, workers, residents, and visitors throughout Davao de
Oro.
Through this information campaign, PSA Davao de Oro continues to strengthen
public awareness of the official and government-recognized formats of the National
ID. The campaign likewise promotes their wider acceptance and use in accessing
both government and private sector services.
Moreover, this initiative reflects PSA Davao de Oro's continuing commitment to
making official National ID information more accessible through sustained
partnerships with local government units, government agencies, transportation
operators, financial institutions, private establishments, and other community
stakeholders.
For inquiries on the National ID posting stickers in Davao de Oro, please contact
the National Identification System Section of PSA Davao de Oro at telephone
number (084) 817-0347 or via email at davaodeoro@psa.gov.ph.




