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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Monday, July 27, 2026

How to read one book a week, even if you’re super busy


Tom Oliver

Most busy leaders tell me the same thing: “I would love to read more, but I don’t have the time.” But it rests on a fallacy. Most executives imagine reading requires a magical moment—a quiet room, an empty to-do list, nothing pulling at them. For almost everyone, that moment never comes, except perhaps on a rare vacation, and even those are packed with activities.

This is not about savoring a novel word by word. It is about absorbing content—mostly nonfiction—at a pace that lets you finish roughly one book a week, however full your calendar is. It is not about time. It is about having a system. Here is mine.

Step 1: Are you a reader or a listener?

It starts with a single question, from Peter Drucker—the Austrian American regarded as the father of modern management. In his 1967 classic “The Effective Executive”, a landmark of twentieth-century management, he made a simple observation: Some people are readers, and some are listeners.

“It is a waste of time to talk to a reader,” he wrote. “He only listens after he has read.” And it is equally a waste to hand a listener a thick report—a listener grasps the world through the spoken word, not the written one. Most people have a dominant channel, and most have never asked which is theirs. Here is how to find out: When a colleague sends you a detailed report, do you grasp it only after reading it yourself, or faster when someone talks you through it? Do you retain more from documents, or from conversations and briefings?

Your honest answer reveals your type. The implications are enormous: Readers should ask for memos and read before meetings; listeners should ask for briefings and decide as they talk. Match your input to your wiring and you absorb more, faster. That same wiring decides how you read a book a week: If you are a reader, you read it; if you are a listener, you listen on audiobook. Choose the path that fits how your brain works.

Step 2: Find your sweet spot

Next, find the sweet spot in your week where this fits—it works even if you are exceptionally busy. Take my own schedule. I own and run a global strategy and management consulting firm. I give keynotes around the world. I also protect my mornings for creative work—writing books and composing music, something I have done since childhood, when I trained in music alongside business. I have a family I want to be present for and a global circle of friends I stay close to. And I am highly active: Sports five times a week, a good ninety minutes each. That calendar is full.

And yet the sweet spot is there. It is always there. I am a listener, so my question is simple: Where can I fit in regular listening? For me, it is my workouts—in the gym, while swimming with waterproof Bluetooth headphones, while stretching, doing yoga or cycling outdoors. Because I train five times a week, I don’t have one slot. I have five.

That is the beauty of listening: You do it while doing something else, which makes the slot easy to find. If you are a reader, the question is the same—where can I sit down with the book? Only you can answer that. But I promise: However busy your schedule is, there is always a sweet spot.

ILLUSTRATION BY RUTH MACAPAGAL

Step 3: Go faster than you think you can

That almost gets you there. The final piece is speed. If you are a listener, use this: On any audiobook service—Audible is excellent, but there are many—you can set the playback speed. Push it to a level genuinely too fast to follow, then dial back just below that ceiling, to where you capture most of what is said, and hold there. You now “read” it faster than it was ever narrated. Most audiobooks are not narrated quickly and most of us process content far faster than it is spoken. A book that would take six hours might be done in three—on a good day, in two. The right speed fluctuates day to day, so stay flexible.

If you are a reader, use this instead: The key is switching off your inner voice—the one in your head that reads each word aloud. Two ways to silence it: Run your index finger under the text to guide your eyes, or press your tongue from behind against your incisors or the roof of your mouth. Both quiet the voice reliably and, with practice, let you read faster while retaining more.

This inner voice is called subvocalization—automatic, part of the “phonological loop,” the component of working memory that briefly stores words so you can stitch a sentence into meaning. We do it because reading is, in evolutionary terms, a very young skill. The finger gives you a sense of security—you never worry about losing your place—which makes the voice easier to switch off. Pressing your tongue to your palate mechanically blocks the tiny muscle movements behind that silent speech. Use either alone or combine them. Practice regularly and your speed climbs noticeably, while comprehension does not suffer. On the contrary—it improves.

Whether you read or listen, both paths reach the same place: A pace far quicker than most people manage, which lets you make the most of your sweet spots. We all process information far faster than we believe—the brain adapts and the conscious and subconscious mind constantly work to make sense of what we take in. That is why people badly underestimate how fast they can grasp new content.

SEE ALSO

Why this matters

Do I really read a book a week? Yes. Occasionally it slips to one every two weeks, but only when I am unusually busy and must give a sweet spot to something else. On some workout days I listen instead to briefings from my team on matters I didn’t get to, or to the latest artificial intelligence (AI) developments—so much of our work, and our clients’, is now about making their businesses AI-native to beat the competition. But that is still listening to a book of sorts. So I get my “book” either way.

I had no idea readers and listeners even existed until I came across Drucker many years ago. After that, I added a few more tricks until I had the full game plan laid out here. It has let me absorb enormous knowledge across many subjects — and that breadth is exactly what lets me recognize the patterns I use to solve my clients’ most complex problems and to see solutions and opportunities others miss. That is what a book a week buys you: not trivia, but pattern recognition, judgment, an edge.

Three to thrive

1. Diagnose yourself: reader or listener. Then commit to the matching path—read it or listen to it.

2. Claim your sweet spot—the slot already hiding in your week, stacked, for listeners, onto something you already do.

3. Break the speed barrier. Listeners: playback speed just below “too fast.” Readers: silence the inner voice with finger and tongue. You can process far more than you think.

Tom Oliver, a “global management guru” (Bloomberg), is the chair of The Tom Oliver Group, the trusted advisor and counselor to many of the world’s most influential family businesses, medium-sized enterprises, market leaders and global conglomerates.

DTI: Over 60% of PH exports exempt from 12.5% US tariff

 

DTI: Over 60% of PH exports exempt from 12.5% US tariff

Logan Kal-El M. Zapanta

Despite the new 12.5-percent tariff imposed by the United States, the Philippines remains in a stronger position than many of its regional competitors, with more than 60 percent of its exports exempt from the additional levy.

Trade Undersecretary Ceferino Rodolfo said the tariff, imposed by Washington on countries which it deems to lack safeguards against the importation of goods made through forced labor, would be “not at all” disruptive for Philippine exporters.

Only 34.28 percent of Philippine exports to the United States—or $6.25 billion worth of goods—will be subject to the new tariff, according to the Department of Trade and Industry (DTI).

The remaining $11.98 billion will remain exempt.

“We’re not in a bad situation. Not at all,” Rodolfo said. “But we want the best for our exporters.”

Bianca Sykimte, director of the DTI’s Export Marketing Bureau, said the Philippines’ top exports to the United States—semiconductors and electronics as well as agricultural products—will continue to enter the US duty-free.

Automotive parts, minerals and aircraft parts are likewise spared from the new tariff.

Products that will be covered by the new levy are those produced by “labor-intensive” industries, such as leather and travel goods, apparel, footwear and toys.

The Philippines also compares favorably with its regional peers.

Based on the DTI’s assessment, Sykimte said about 83 percent of Indonesia’s exports to the US and roughly 40 percent of Malaysia’s shipments are exposed to the additional tariff.

Rodolfo added that the Philippines’ 12.5-percent tariff appears to be its “ceiling” under the US Section 301 investigation.

‘Best deal possible’

Unlike several neighboring economies, the Philippines was not included in the United States Trade Representative’s (USTR) separate investigation into structural excess capacity. This covers China, the European Union, Singapore, Switzerland, Norway, Indonesia, Malaysia, Cambodia, Thailand, South Korea, Vietnam, Taiwan, Bangladesh, Mexico, Japan and India.

Even so, Rodolfo said the government continues to engage the USTR to secure the “best deal possible” for Philippine exporters.

SEE ALSO

He added that the DTI has also secured offers from multilateral institutions and bilateral partners to support the implementation of the joint administrative order banning the importation of goods produced through forced labor.

That order, issued a day before Washington announced the new tariff, created an interagency committee led by the DTI, together with the Department of Labor and Employment and Department of Finance, to establish a mechanism for investigating forced labor cases. Support from development partners will come in the form of grants and technical assistance.

“They see that, at a principles level, this is something very good—that the Philippines is promoting decent work, even if the supposed forced labor happens outside the country,” Rodolfo said.

Rodolfo added that the USTR is already reviewing the order and has assured the Philippine government that its assessment is ongoing, meaning changes to the 12.5-percent tariff could be made “at any time.”

Mittelschicht oder nicht? Diese Zahl entscheidet für alleinstehende Rentner alles


Für viele Ruheständler ist nicht nur die Rentenhöhe entscheidend, sondern das gesamte verfügbare Einkommen. Maßgeblich sind dabei feste Grenzwerte und der Median.

München – Wie hoch die eigene Rente ausfällt, lässt sich nicht pauschal beantworten. Ausschlaggebend sind die Erwerbsbiografie, die gesammelten Entgeltpunkte und zusätzliche Einkünfte. Für den tatsächlichen Lebensstandard spielen zudem Wohnkosten, Haushaltsgröße und vorhandenes Vermögen eine wichtige Rolle.   

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Derselbe Rentenbetrag kann deshalb in einer teuren Großstadt deutlich weniger wert sein als in einer günstigeren Region. Wer die eigene finanzielle Lage einordnen möchte, sollte nicht nur auf die gesetzliche Monatsrente schauen, sondern auf das gesamte verfügbare Haushaltseinkommen.

Rente
Für viele Ruheständler ist nicht nur die Rentenhöhe entscheidend, sondern das gesamte verfügbare Einkommen. Maßgeblich sind dabei feste Grenzwerte und der Median. © IMAGO/Westend61

Eine allgemein verbindliche Definition der Mittelschicht gibt es nicht. Das Institut der deutschen Wirtschaft zählt Alleinstehende zur Mitte im engeren Sinne, wenn ihnen monatlich zwischen rund 1.850 und 3.470 Euro netto zur Verfügung stehen. Grundlage sind Daten für das Jahr 2022 und eine Abgrenzung von 80 bis 150 Prozent des mittleren bedarfsgewichteten Haushaltsnettoeinkommens.

IW-Grenze: 1.850 bis 3.470 Euro netto für Alleinstehende

Diese Grenzen gelten nicht ausschließlich für Rentner, sondern für alleinstehende Personen insgesamt. Ein alleinlebender Rentner mit einem verfügbaren Nettoeinkommen von mindestens rund 1.850 Euro gehört nach dieser Definition zur engeren Mittelschicht. Oberhalb von etwa 3.470 Euro beginnt die einkommensstarke Mitte.  

Erst bei deutlich höheren Beträgen zählt ein Single statistisch zu den relativ Einkommensreichen. Die ursprünglich genannte Spanne von 36.700 bis 97.900 Euro netto im Jahr wäre für einen Single mit monatlich rund 3.058 bis 8.158 Euro gleichzusetzen. Sie passt weder zur aktuellen engeren IW-Mittelschicht noch zu einer üblichen Abgrenzung für alleinstehende Ruheständler.

1.849 Euro markieren den Median alleinstehender Ruheständler

Betrachtet man ausschließlich alleinstehende Haushalte im Ruhestand, lag deren mittleres bedarfsgewichtetes Nettoeinkommen nach der aktuellen IW-Auswertung bei rund 1.849 Euro monatlich. Die Hälfte dieser Haushalte verfügte über weniger, die andere Hälfte über mehr. Der Wert beschreibt jedoch keine eigenständige Mittelschichtgrenze, sondern den Median innerhalb dieser Vergleichsgruppe.

Das Statistische Bundesamt kam mit einer anderen Datenbasis für Personen im Ruhestand zuletzt auf ein mittleres Nettoäquivalenzeinkommen von rund 1.990 Euro monatlich. Solche Abweichungen entstehen unter anderem durch unterschiedliche Erhebungsjahre, Definitionen und betrachtete Personengruppen.

Der Median ist robuster als der Durchschnitt, weil einzelne sehr hohe Einkommen ihn kaum beeinflussen. Wer unter dem Median liegt, gehört deshalb aber nicht automatisch zur Unterschicht. Der Wert zeigt zunächst nur die Position innerhalb der jeweiligen Vergleichsgruppe.

Das Haushaltseinkommen zählt, nicht nur die gesetzliche Rente

Für die statistische Einordnung ist das gesamte verfügbare Einkommen des Haushalts entscheidend. Dazu gehören neben der gesetzlichen Rente beispielsweise Betriebs- und Privatrenten, Pensionen, Erwerbseinkommen, Mieteinnahmen, Kapitalerträge und staatliche Transfers. Davon werden direkte Steuern und Sozialversicherungsbeiträge abgezogen.   

Anschließend wird das Einkommen nach der Haushaltsgröße gewichtet. Die erste erwachsene Person erhält dabei nach der modifizierten OECD-Skala das Gewicht 1, jede weitere Person ab 14 Jahren den Faktor 0,5 und jedes jüngere Kind den Faktor 0,3. Dadurch wird berücksichtigt, dass mehrere Personen in einem Haushalt bestimmte Kosten teilen.

In einigen IW-Auswertungen wird zudem der Nettomietwert selbst genutzten Wohneigentums als Einkommensbestandteil berücksichtigt. Damit soll abgebildet werden, dass Eigentümer keine marktübliche Miete zahlen müssen. Diese statistische Größe ist jedoch kein Geld, das monatlich auf dem Konto eingeht. Auch verwenden nicht alle Statistiken denselben Einkommensbegriff.

Der Rente-Newsletter: Wege in die Frührente
Wichtige Entwicklungen rund um Ihre Rente erhalten Sie wöchentlich am Mittwoch. Eine kurze Registrierung genügt.

Ein Rentner mit abbezahltem Eigenheim kann daher statistisch und praktisch besser dastehen als ein Mieter mit derselben gesetzlichen Rente. Umgekehrt sagt eine hohe Bruttorente wenig aus, wenn davon noch Kranken- und Pflegeversicherungsbeiträge, Steuern und eine hohe Miete bezahlt werden müssen.

Mittelschicht bedeutet nicht automatisch finanziellen Spielraum

Die statistische Einordnung bildet regionale Lebenshaltungskosten nur begrenzt ab. Die Einkommensgrenzen gelten grundsätzlich bundesweit. Ob 1.900 Euro netto für einen komfortablen Alltag reichen, hängt jedoch stark von Miete, Gesundheitskosten und persönlichen Verpflichtungen ab.    

Auch Vermögen wird bei einer reinen Einkommensbetrachtung nicht vollständig sichtbar. Ein Rentner mit niedriger Monatsrente, aber schuldenfreiem Wohneigentum und Rücklagen kann finanziell stabiler sein als jemand mit höherem Einkommen, hoher Miete und ohne Ersparnisse.

Die Mittelschichtgrenzen liefern deshalb eine Orientierung, aber keine abschließende Bewertung des Lebensstandards. Entscheidend bleibt, welche regelmäßigen Einnahmen tatsächlich verfügbar sind und welche festen Ausgaben ihnen gegenüberstehen.  

Wer Versorgungslücken erkennt, kann auch im höheren Alter zusätzliche Einnahmen erzielen oder Ausgaben neu strukturieren. Eine freiwillige Beschäftigung, private Vorsorge oder der spätere Rentenbeginn können das verfügbare Einkommen erhöhen. Je früher die Planung beginnt, desto größer ist allerdings der Spielraum.

Für alleinstehende Ruheständler lässt sich als Orientierung festhalten: Ab etwa 1.850 Euro verfügbarem monatlichem Nettoeinkommen beginnt nach der engeren IW-Definition die Mittelschicht. Ob sich dieses Einkommen im Alltag auch nach Mitte anfühlt, entscheidet vor allem die persönliche Kostenstruktur.

Life Changes Dramatically

 

July 26, 20265 min read

BEING in online classes while teaching but in the daily home office, I experienced a total change when it comes to the digital body language:  cues you send – or don’t send. Writer David Robson gets to the point in a nutshell: “Online, as in real-life, it’s not just what you say – but how you say it”.

Think about the last work email that you sent. Did its sentences end with full stops or exclamation marks, or did you forgo punctuation altogether? Was it peppered with emoji – or plain text? And was your response prompt, or did you have to apologise for the time it had taken to reply?

Now, consider your last Zoom call. Did you check your phone or email at least once during the meeting? And did you pause to be sure that the other speaker had finished? Or did you find yourself frequently interrupting their sentences, as you failed to take into account the slight delays in the connection?

According to the leadership expert Erica Dhawan, these are all examples of our “digital body language” – a concept that serves as the title of her new book. Like our in-person physical body language, digital body language concerns the subtle cues that signal things like our mood or engagement, and change the meaning of the words we say – be it in text, on the phone or in a video call.

Following David Robson, it is needless to say, the rise of remote working has only made these issues more urgent, but psychologists have long known that digital communication is ripe for misunderstanding.

So, what can be done? It’s indeed a question of mindfulness, so that we can be sure that our digital body language is intentional and appropriate to the situation at hand.

Do you like emojis?!? Well, first consider written communication, starting with the use of emoji and punctuation marks, like the exclamation point. Stylists may sneer, but many people (and include me in!) argue that they often help to clarify the meanings of the words themselves, much in the same way as a nodding head or a smirk in person. Whether you’re signalling urgency or excitement with ALL CAPS, impatience and irritation with an “?!?” or mutual appreciation with a fist-bump emoji, you are helping your text to convey the feelings you would have embodied in person.

It took me almost a whole year, but right now allow me to tell you: don’t feel shy about adopting these more informal digital cues, where appropriate – and be aware that others may well be expecting them.

Broadly, your use of punctuation and emojis are part of a bigger set of cues that will establish the tone of your exchanges – whether they feel formal or informal, enthusiastic or bored. Other signals will include your greetings (whether you include a friendly “Hello” at the start of the message or simply dive straight in), and your sign off (an emotionally distant “Regards” versus an enthusiastic “Thanks!”).

Honestly, sometimes I’m really getting tired of video calls and zoom meetings. They present their own unique problems. Your body language, manners and level of engagement on video-chat platforms can influence how colleagues see you and interpret your message. Even during my online teaching, I observed some students being absent-minded or even not being dressed well.

Whatever medium you use, you should remain conscious of two factors – trust and power – in all your interactions. These ratings will be subjective, of course, but if you sense there is a clear gap on either of these dimensions, you need to be more cautious.

In the past, the handshake, the smile and the smile gave us many well trusted signals,– but in online communication, our gratitude is often less apparent, or may not be expressed at all. Measures to remedy this could be as simple as sending a follow-up email, after a virtual meeting, to make it clear that you valued someone’s input, or cc’ing a junior colleague on an email to a client, acknowledging the role they played in a project. We can’t just assume that our colleagues will know how much we value them.

Erica Dhawan’s book Digital Body Language, is out now from St Martin’s Press. I learned a lot from her, especially perfecting our digital body language will take practice – but a few moments of thought each day may save hours of anxiety and confusion in the days and weeks ahead.

Since the pandemic, employees are leaving the workforce or switching jobs in droves. For many, employers have played a big part in why they’re walking away. It’s another big change in our business world. Read more about my thoughts in my next column here at this corner.

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Email: doringklaus@gmail.com or follow me on Facebook, Linkedin or X – Twitter or visit my www.germanexpatinthephilippines.blogspot.com or www.klausdoringsclassicalmusic.blogspot.com .