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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Showing posts with label Klaus Döring Living in The Philippines Jetziges Leben auf den Philippinen. Show all posts
Showing posts with label Klaus Döring Living in The Philippines Jetziges Leben auf den Philippinen. Show all posts

Friday, April 4, 2025

Tough luck for Pagara, Progella in Nuvali Asian beach spikefest

BY MANILA BULLETIN SPORTS


AT A GLANCE

  • Sofia Pagara aand Khylem Progella had their sizzling run doused by a dispiriting officiating blunder as China’s Yu Tong and Jiang Kaiyue beat the Alas Pilipinas duo, 14-21-15-21, on Thursday in the Rebisco Asian Volleyball Confederation (AVC) Beach Tour Nuvali Open in the City of Santa Rosa, Laguna.


Sofia Pagara aand Khylem Progella had their sizzling run doused by a dispiriting officiating blunder as China’s Yu Tong and Jiang Kaiyue beat the Alas Pilipinas duo, 14-21-15-21, on Thursday in the Rebisco Asian Volleyball Confederation (AVC) Beach Tour Nuvali Open in the City of Santa Rosa, Laguna.

Yu Tong of China(#1) with Team Mate Kalyue Jiang (#2) of China against Sofia Pagara (#2)  and Khylem  Progella (#1)of Philippines 01.jpg
(Contributed photo)

The Philippine National Volleyball Federation (PNVF) Invitational champions, coming off a straight-sets win in their opener, looked set to seize a set from the pair of Chinese six-footers when they held a 12-9 lead in the second.

But the streak was halted by an errant ball touch call against the Filipinas by a line judge on a shot that sailed long.

Progella and Pagara, who both stand 5 feet 9 inches, were stunned with the call and the crowd at the world-class Nuvali Sand Courts started shouting in disbelief.

That triggered a series of errors on the Philippine side and allowed the Chinese to regain the lead, scoring eight straight points on the way to their second victory in pool play.

“It’s about momentum in beach volleyball, and it was quite disheartening right when we were getting our groove back. Our run was cut short just because of that very wrong call,” the 19-year-old Progella said.

The 20-year-old Pagara and 19-year-old Pagara, who beat Malaysia’s Ee Ling Pua and Rachael Go of Malaysia, 21-8, 21-18, march on after going 1-1 in pool play of the tournament organized by the PNVF president Ramon “Tats” Suzara, also chief of the AVC.

The University of Santo Tomas pair vowed to put the loss behind them and reset as they prepare for the  Round of 16 on Thursday.

“We don’t even want to know right now who we are facing next. For now, we rest,” Pagara said.

The Philippines men’s team also suffered tough early losses on the second day of pool play, as Lerry John Francisco and Edwin Tolentino could not get past Thailand’s Surin Jongklang and Kittituch Khomkham, 14-21, 12-21, and wound up 0-2 in pool play.

Ronniel Rosales and Alex Iraya kept it close against Yosi Firnanda and Danangsyah Pribadi, getting chance to steal the second set but ultimately falling, 16-21, 20-22, to also slip to 0-2 in the 44-team, 11 nation tournament.

Iran’s Ghalehnovi Amirali anad Salemiinjehboroun Bahman romped past China’s Mao Yuan and Lui Yuan, 21-18, 21-7, while Kai Kurokawa and Ryuichi Adachi of Japan downed Lee Cheukhei and Lee Liftung, 21-14, 21-13.

Australia’s Ben Hood and Oliver Merritt squeaked past Song Jinyang and Zhang Tai, 19-21, 21-13, 16-14, while Japan’s Dylan Kurokawa and Yoshiumi Hasegawa routed Uzbekistan’s Dilshodbek Tolibaev and Azamat Daulbaev, 21-8, 21-8.

New Zealand’s John McManaway and James Sadlier defeated Hong Kong’s Kan Szehang and Wong Chun, 21-17, 21-10, while Japan’s Nassim Malki and Kosuke Fukushima overpowered Uzbekistan’s Mustafoev Golibjon and Nodirjon Alekseev, 21-8, 21-6.

Is it true that our job kills us?



It doesn't necessarily harm us, but it makes us rely a lot on having a steady income, which can squash our dreams. Jobs are important when starting out to learn how things work and connect with people in the industry. However, working for someone else your whole life can really take away from your own happiness. The world we exist in consists of two kinds of people, Those who exploit and those who get exploited. So either you fulfil your goals or someone else will hire you to fulfil theirs.


If your job leaves you with little time or energy for activities outside of work, such as spending quality time with loved ones, pursuing hobbies, or engaging in self-care, it's a sign that your job is encroaching on your personal life and negatively impacting your mental well-being.


I have experienced it many times. I have written about it many times. Nothing changed yet. Of course not! 


Fact is, nowadays, the modern workplace can inflict dangerous levels of stress on employees even more than decades ago. Jeffrey Pfeffer, author of "Dying for a Paycheck" , argues that these practices don’t help companies – and warns governments are ignoring an emerging public health crisis.


Jeffrey Pfeffer is not the only one. Hundreds more followed Pfeffer's footsteps. 


An Uber software engineer making a six-figure income killed himself in 2016, with his family blaming workplace stress. A 21-year-old Merrill Lynch intern collapsed and died in London after working 72 hours straight. When Arcelormittal closed a steel plant that it had taken over, a 56-year old employee died of a heart attack three weeks later. His family said it was a shock. And the European Agency for Safety and Health at Work has reported that over half of the 550 million working days lost annually from absenteeism “are stress related”. 


In 2015, an analysis of almost 300 studies found that harmful workplace practices were as bad for mortality, and as likely to lead to a physician-diagnosed illness, as second-hand smoke, a known – and regulated – carcinogen.


Harmful workplace practices include things like long working hours, work-family conflict, economic insecurity arising from job losses and not having regular or predictable work hours, an absence of job control and, in the US, not having health insurance.


Your supervisor is more important to your health than your family doctor. That's not my quotation but by Bob Chapman, CEO of Barry-Wehmiller.


The workplace is making people sick and even killing them – and people should care. With rising health-care costs all over the world, the workplace has become an important public health problem. “According to the Mayo clinic, your supervisor is more important to your health than your family doctor,” Bob Chapman, CEO of the manufacturing firm Barry-Wehmiller, told the entire world.


The aptly-named American Institute of Stress claims that workplace stress costs the American economy some $300bn each year. A paper I co-authored in a leading peer-reviewed journal estimated that there were 120,000 extra deaths annually in the US from harmful management practices, and that extra health-care costs were $190bn each year. That would make the workplace the fifth leading cause of death, worse than kidney disease or Alzheimer’s. In the UK, the Health and Safety Executive reported that 12.5 million working days were lost from work-related stress, depression or anxiety in 2016-2017. 


Work practices that are bad for people don’t even help the company. Very clear. But who cares?


None of this is necessary, because the work practices that are bad for people don’t help the company, either. Long working hours are negatively related to per-hour productivity at both the national and industry level.  Although it may seem counterintuitive, layoffs or redundancies do not improve organisational performance and often drive the best employees to leave, and because of direct costs such as severance and indirect costs such as losing people with strong relationships with customers, frequently do not even save money.  For decades research has shown that giving people more control over how and when they do their jobs increases motivation and engagement.


Not surprisingly, stressed employees are more likely to quit – and turnover is expensive.  And systematic research demonstrates what ought to be obvious – sick, stressed employees aren’t as proficient or productive in their work as those that are healthier. Look into a mirror! Maybe you feel the same while reading this.


Every indication is that work is getting worse. Job cuts, which used to occur only in tough economic times, are now routine. When 3G Capital combined food giants Heinz and Kraft, 20 percent of the workforce got the axe as the company consolidated manufacturing and removed overlapping functions.


The “gig economy” means that economic insecurity is higher as people don’t know what their income will be from one week to the next. Scheduling software that permits retailers and other businesses such as hotels and restaurants to have only the people that analytics predict will be needed means that workers often face fluctuating incomes and don’t have much ability to arrange for coping with family responsibilities.


Few leaders seem to understand that when people come to work for them, those individuals have placed their physical and psychological well-being in the leaders’ hands


Most fundamentally, in the 1950s and 1960s CEOs saw their job as balancing their obligations to shareholders, customers, employees and the community – so-called “stakeholder capitalism”. Now shareholder interests dominate. Few leaders seem to understand that when people come to work for them, those individuals have placed their physical and psychological well-being in the leaders’ hands.


But some leaders are taking this idea of stewardship seriously. Companies such as Patagonia, Collective Health, SAS Institute, Google, John Lewis Partnership – which is employee-owned – and Zillow provide a template of what might be different. As I said, SOME leaders. Really only a very few. Not enough. I guess most leaders really don't care about their staff.


People get paid time off and are expected to use it. Managers don’t send emails or texts at all hours – people work, go home and have time to relax and refresh. The organisations offer accommodations so that people can have both a job and a family life. People are treated like adults and have control over what they do and how they do it to meet their job responsibilities, not micromanaged.


Most importantly, the companies are led by individuals who take their obligations to their people seriously. SAS Institute has a chief health officer whose job is not just to control costs but also to ensure employees are as healthy as possible.  Bob Chapman recognises that everyone who comes to work at Barry-Wehmiller is “someone’s precious child” or family member.


People need to choose their employer not just for salary and promotion opportunities but on the basis of whether the job will be good for their psychological and physical health. Business leaders should measure the health of their workforce, not just profits. 


If you're in a terrible job, you probably won't feel like you and will be in a negative state of mind most of the time. After all, you're spending 38+ hours a week in an environment that causes feelings of stress and anxiety. Having a job that creates a negative state of mind can also lead to future physical problems.


And governments concerned about the health-care cost crisis need to focus on the workplace, because workplace stress is clearly making people sick. None of this is necessary – no one should be dying for a paycheck.

Thursday, April 3, 2025

TOP 10 Delegates

 



UPH

MANILA, Philippines — The Miss Universe Philippines (MUPH) organization bared the names of the Top 10 delegates who got the highest number of votes from the Pinay Beauty online poll.

In a social media post, the organization wrote, "Pilipinas, your Top 10 picks in the Swimsuit Showcase are finally here. 

"These are the delegates with the highest number of votes covering the period of Mar 16 to Mar 31, 2025. Congratulations, queens!"

In alphabetical order, they are:

  • Benguet - Maiko Ibarde 
  • Bohol - Tyra Goldman 
  • Isabela - Jarina Sandhu 
  • Las Piñas (representing the Filipino Society of Canada - West) - Kristel David 
  • Naga City (representing the Filipino Society of Virginia) - Zoe Sofia Gabon 
  • Pangasinan - Andrea Cayabyab 
  • San Fernando, Cebu - Thelma Suzanne Dayao 
  • San Jose, Batangas (representing the Filipino Society of Canada - East) - Jessica Victoria Cianchino 
  • Siargao - Millen Joy Cabigas, and
  • Siniloan, Laguna - Yllana Marie Aduana 

The 2025 Miss Universe Philippines coronation night is slated on May 2 in Mall of Asia Arena, Pasay City. Stay tuned!  

Moving beyond jeepneys, tricycles, and motorcycles

BY PINKY CONCHA-COLMENARES

DRIVING THOUGHTS

A guide to survive 'isolation due to exposure’ 

In the Philippines, transportation is both a lifeline and a source of daily frustration. Jeepneys and tricycles, iconic as they are, have long been the go-to mode of transport for millions of Filipinos. And with the entry of electric vehicles (EVs), E-trikes with two, three, and four wheels have joined the competition for road space causing more frustration to daily commuters and motorists.

Spicing up the swarming vehicles on our limited road space are the motorcycles whose numbers have increased by leaps and bounds, we do not need to mention a figure to illustrate that point. Only last weekend, another road rage case erupted from the battle for road space, resulting in the death of one and injury of three persons from gunshot wounds.  The videos on that encounter, plus those that have surfaced from the dashcams of vehicles following the motorcycle and the SUV tell another sad story. Road rage can be caused not by waiting too long in crawling traffic, but also by unconventional risky maneuvers.

Education on road use needed

I will not add to the volumes of comments on that road rage incident in Antipolo.  I mentioned it only as a contributing problem to a population still unprepared for sustainable urban mobility.  Much education is needed by all who are road users, especially the new ones who are now driving e-trikes like they are four-wheel vehicles.  We are all sharing road space, and to do this successfully, rules have to be followed.  Number one rule is to be aware of one’s lane and when to overtake.

We need to do this fast. As urban populations swell and environmental concerns mount, these traditional vehicles can no longer meet the demands of a modern, sustainable city. It’s time for the country to embrace a future of sustainable urban mobility, one that prioritizes the health of its citizens and the environment. 

 Environmental impact and safety

Jeepneys, tricycles, and motorcycles have been integral to the Philippine landscape for decades. Their colorful designs and cultural significance make them much more than just modes of transport—they’re part of the country’s identity. Yet, their environmental impact is undeniable. Jeepneys, for example, are often outdated and run on diesel, contributing significantly to air pollution in highly congested areas like Metro Manila. Likewise, tricycles, commonly used in more rural areas, emit smoke and contribute to environmental degradation.  Motorcycles that have been cleverly converted to carry passengers, like children to school, are not safe on the highways.

The traffic gridlocks that plague cities like Manila are another consequence of an aging and inefficient transportation system. The lack of dedicated lanes, coupled with the dominance of jeepneys, tricycles and motorcycles on the roads, results in inefficient transport, longer commute times, and an overall decline in quality of life for urban dwellers.

A shift toward sustainable urban mobility is not just an environmental imperative — it’s a social and economic necessity. Modern cities worldwide are moving toward cleaner, more efficient transportation solutions to reduce congestion, improve air quality, and lower carbon emissions.

One of the most pressing needs is a focus on public transport systems that are both efficient and eco-friendly. The government’s Public Utility Vehicle Modernization Program (PUVMP) is a step in the right direction, aiming to replace old jeepneys with electric vehicles (EVs) and more efficient public transport options. The shift to electric jeepneys and buses could significantly reduce emissions, making the air cleaner for everyone.

Beyond EVs, cities need to embrace integrated, multimodal transport systems. This means improving metro rail systems like the MRT, LRT, and expanding bus networks, making them more accessible, affordable, and reliable. But it also means creating safer streets for bicycles and pedestrians, as well as promoting car-sharing and ride-hailing services that reduce the need for individual car ownership.

 Sustainable urban transport system

A modern, sustainable urban transport system is one where different modes of transport work in harmony—where buses, trains, e-bikes, and shared vehicles are seamlessly integrated to offer residents a wide range of convenient and low-carbon options. This reduces dependency on private vehicles, helping ease congestion and reducing pollution.

While the shift toward sustainable mobility is vital, it is not without challenges. For one, the transition to electric vehicles (EVs) in the public transport sector requires significant investment in infrastructure, such as charging stations and the retrofitting of older vehicles.

Moreover, many commuters rely on jeepneys and tricycles because they are affordable, accessible, and cater to a wide range of routes, particularly in underserved areas. For private transport, the motorcycle presents an affordable option to commute to work or school because public transportation is inconvenient and unreliable.

The challenge lies in replacing these modes of transport without alienating or financially burdening the drivers and passengers who depend on them. The government must ensure that the transition is inclusive, providing subsidies or incentives to drivers who need to upgrade their vehicles and support for communities that depend on them.

New media platform for Mindanao launched

By Ivy Tejano

DAVAO CITY – A new media platform focused on showcasing Mindanao’s true identity—its people, cuisine, vibrant culture, and flourishing industries—was officially launched on Wednesday, April 2, in a mall here.
During the Wednesdays Media Forum, Davao resident and MindaNow Network chief executive officer Carl Lorenzana Magno launched the MindaNow Network, highlighting Mindanao’s authentic stories beyond its well-known festivals, scenic beaches, and mountain peaks.
“MindaNow aims to showcase the population—the real stars for this platform—and Mindanao as a land of rich traditions and a center for innovation and growth, sharing the diverse stories in the region, the Philippines, and the rest of the world,” Magno said.
Magno highlighted that, unlike mainstream media, their network operates independently, maintains a family-friendly approach, and prioritizes factual reporting. He also shared plans to relaunch “MindaNow Network News” in July as a news magazine program featuring individuals who positively impact society.
He also mentioned that bloggers and vloggers would be encouraged to share accurate and reliable stories, with incentives offered for credible content. One of the program’s key ideas is to involve bloggers and vloggers in its news segments.
Magno said the MindaNow Network has partnered with the Philippine News Agency (PNA) and the Mindanao Development Authority (MinDA) to ensure the content’s accuracy and fairness before being broadcast and address false information about Mindanao.
When asked why the network launched here only now, Magno highlighted the importance of the current administration’s support and the opportunity to showcase more of Mindanao’s progress. He admitted that the network officially began rolling out on December 2, 2024.
“To build a substantial content library, the team traveled to more areas—Cotabato City, General Santos City, Dinagat Island, Koronadal, and Siargao—capturing stories that reflect the heart of Mindanao,” Magno said, adding that the region is far different from the yesterdays.
“With all of these developments and peaceful initiatives, we can visit the region freely and show the world how peaceful it is here. We are not the old Mindanao they are talking about,” the MindaNow CEO said, referring to the earlier comparison of Mindanao to Sub-Saharan Africa.
Among the MindaNow Network programs are travel features—which explore Mindanao’s scenic landscapes from beaches to mountains; lifestyle segments (about artisans, entrepreneurs, and change-makers of Mindanao); business insights (economic trends, progress, etc.); and sports.
Magno is no stranger to pioneering media ventures. He said he launched Lakbay TV, the world’s first travel channel, in 1997, later becoming the Living Asia Channel. After moving to Las Vegas, he founded Asian Culture TV and Fil-Am TV for Asians and Filipinos to be media-represented.
The MindaNow CEO said his inspiration stemmed from recognizing the underrepresentation of Asians in American media. He added that when he was in Vegas, he also created Vegas Plus, a platform connecting independent broadcasters to over 30 million Asians and Asian Americans.
He said with their distribution partnership with Reliance Broadcasting Unlimited, which recently acquired Sky Cable, MindaNow Network would reach 11 million homes through Roku, Sky TV and Sky Direct, YouTube, Facebook, Instagram, Vimeo, IBC, and other platforms.
Magno said with backing from the Philippine Amusement and Gaming Corporation (PAGCOR), Discovery Samal, and Samal Shores, the network is off to a promising start but needs additional support to expand its reach and impact.
With travel advisories for Mindanao already lifted by Japan and some parts of Europe, Magno said he believes that the media will play a key role in changing perceptions about Mindanao, with the participation of the media and digital content creators.
New media platform for Mindanao launched - Mindanao Journal

READY FOR HOLY WEEK

 

Image

READY FOR HOLY WEEK A giant papier-mâché image of Jesus Christ in torment has taken form and attracts early viewers at Barangay Poblacion, Makati City, where Lenten traditions like the “pabasa” have hardly faded even in highly urbanized environs. —MARIANNE BERMUDEZ

Salt is Essential to Life



By Klaus Döring


"You are like salt for the whole human race" (Matthew 5, 13).

My late grandmother (born 1899!) taught me many things regarding daily life. I really admired her and didn't care to travel hundreds of miles to her house located in the former East Germany - just to spend a few hours there. The wall and border which separated Germany into two, aggravated such journeys many times. Still in my mind are innumerable thoughts on how to convent bible sayings into reality.

It flavors food and is used as a binder and stabilizer. It is also a food preservative, as bacteria can't thrive in the presence of a high amount of salt. The human body requires a small amount of sodium to conduct nerve impulses, contract and relax muscles, and maintain the proper balance of water and minerals.

Salt of the earth: People during various activities and occupations. "Black" and "white" meet each other, shake hands, smile... . An old woman selling vegetables in the market. She looks tired but her features still show hope and peace... . Young people, walking through a shopping mall - laughing, joking, being happy... . Fishermen at the shore doing their work in sorting nets... . 

Salt on earth: Many things can be like that. Not only during mass service in the church. Not only by preaching. Also touching the hands of my distressed friend, listening to my lonely neighbour; remembering someone and writing him or her a letter or an email. I join others by helping, working, laughing, playing, singing. I listen to love's melody.

Salt of the  earth: Christian life doesn't always mean possessions or property. Christian life is doing something, it's collecting one's thoughts. It's giving and receiving. It's a hug or a smile or a comforting talk. Christian life means having as Christian acting people in my surroundings.

Salt on earth: Of course, as we all know: too much salt is also dangerous to our health. But if we plan to live without any salt, we might fail to survive also. Do you know that wars have been waged and nations have been extinguished because of salt. Salt is more than a simple stabilizer. 

Before the refrigerator was invented, salt was a miracle of daily life. Salt made foodstuffs well. So, let's think about it: if we are part of earth's salt, who are we? Do we bring rottenness or do we preserve and keep our surroundings well?

We should be salt on earth as in  cleaning, helping and healing, but not salt, that brings caustic, corroding and mordant poison in other's life. 

Salt on earth without being dumb, mute, silent, stale, and incompetent! 

ARE YOU IN LOVE WITH YOUR DAILY LIFE?


 


Love is a set of emotions and behaviors characterized by intimacy, passion, and commitment. It involves care, closeness, protectiveness, attraction, affection, and trust. Many say it's not an emotion in the way we typically understand them, but an essential physiological drive


Sometimes, we feel our life is turning miserably. Our negativism doesn't allow us to keep our eyes, ears - and, most important! - our minds, hearts and souls opened. We're reaching our breaking point.


This breaking point can be the prelude to our strongest moment. Can be! Must not! But if yes, then it is when we reach our breaking point,  we discover our real strength. Allow me to ask you, my dear readers: "What happens to you or with you when you reach your breaking point?" Do you face it or do you run away? I'll be giving you a very simple answer: If you face it - you break it. If you run away (and/or close your ears, eyes and mouth) - it breaks you!


Are you in love with life? How do you know if you're with the love of your life?

You prioritize their viewpoints. You learn their love language. You think in terms of their interests, not yours, and their needs are your own. You support them. You back them. You care and take care. You accept, and you allow.


Everyday - a dull reality! Many of us will answer this question with a big YES! Actually, we do like to cover a newborn's day already with a grey veil.But, each day has a new face, but sometimes we don't have the strength to watch its countenance. Of course, not every day has adventures and highlights. Would be really too easy!


Contrary to what might be expected, I look back on experiences that, at the same time, seemed especially desolating and painful with a particular satisfaction. Indeed, everything I have learned, everything that has truly enhanced and enlightened my existence, has been through affliction and not through happiness. 


If it ever were to be possible to eliminate affliction from your earthly existence, the result would not be to make life delectable, but to make it too banal and trivial to be endurable. 


By observation, we can feel that many of us need help to manage our everyday life. We need something that would keep us going as we journey through life. Many times we can also learn from other people and their experiences.


And here is one more thing: Affection is the humblest love - it gives itself no airs. It lives with humble and private things: soft slippers, old clothes, old jokes, and the thump of a sleepy dog's tail on the kitchen floor. The glory of affection, the disposition of mind, the good will and tender attachment, that can unite those who are not "made for one and another"! .


For me life has been a thing of ups and downs in approximately equal measure. I don't have something sensational to report every day about my progress. Often, I wonder if fulfillment in life is necessarily tied to change for the better. But one thing is for sure: I keep staying in love with life.

What are the best 10 food to eat in Germany?

 

Profile photo for Johanna Steinbrecher
Johanna Steinbrecher

8,746 followers
3,526 following

10? Let me try.

Wiener Schnitzel. It is all about how it is made. It is veal that is breaded and fried.

Wurst. All types of sausages. You would not believe how many types. For instance “Weißwürste” is my favorite. That is a white sausage. Other sausages that are made are Bockwurst, Leberkäse, Knackwurstm Leberwurst, Blutwurst. If you visit Germany and are with a large group at a restaurant. Each should order different sausage. This way you can share them amongst one another and experience the different flavors.

Gulasch. That is a soup of meat with vegetables.

Spätzle. That is flour dough and eggs mixed together with cheese on top.

Maultaschen. That is pasta filled with pork and vegetables that is either boiled or fried.

Königsberger Klopse. This is a meatball that is mixed with beef, pork, veal, onions, eggs. It has sauce on it.

Ketwurst. This is similar to the American hotdog with ketchup. Call me crazy, but I love Ketwurst and had to add it to the list. Ket=Ketchup. Wurst=Sausage.

Bratkartoffeln. This is what I ate when at home growing up. My mother over the years made tons of it. It is slice boiled potato fried with bacon and onion. I still enjoy it today. When I come home for a visit, guess what my mother cooks?

Rouladen. This is made with thin beef with ham and a pickle inside rolled up.

Sauerbraten. This is something my grandmother always make when we visited her on special occasions. It is slowly cooked beef (good quality) in a oven, at a lower temperature. It takes hours and hours. It becomes really tender.

Hasenpfeffer. This is stew but made from rabbit. Mix with wine, onion and pepper.

Krankenkassenbeitrag im Ruhestand: Wer zahlt was?


Gesundheitskarte
In der gesetzlichen Krankenkasse versichert? Dann übernimmt für Ruheständler die Rentenversicherung automatisch den halben Versicherungsbeitrag. © Alexander Heinl/dpa-tmn

Im aktiven Beschäftigungsverhältnis teilen sich Arbeitgeber und Beschäftigte Krankenversicherungsbeiträge. Aber wie ist das im Ruhestand? Hier ist die Teilung nicht immer selbstverständlich.

Berlin - Für pflichtversicherte Rentner in der gesetzlichen Krankenkasse übernimmt die Rentenversicherung automatisch den halben Krankenversicherungsbeitrag. Das gilt sowohl für den aktuell geltenden allgemeinen Beitragssatz von 14,6 Prozent als auch für den kassenabhängigen, individuellen Zusatzbeitrag.  Anders sieht es bei all jenen Ruheständlern aus, die privat oder freiwillig krankenversichert sind. Sie erhalten die Unterstützung für die Krankenversicherung nicht automatisch, können auf Antrag aber einen Zuschuss von der gesetzlichen Rentenversicherung erhalten. Die Deutsche Rentenversicherung Bund (DRV) empfiehlt privat oder freiwillig Versicherten daher, diesen Antrag gleich mit dem Rentenantrag vor Renteneintritt zu stellen.

Kostenlose Broschüre hilft beim Überblick

Der Zuschuss beträgt nach Bewilligung des Antrags bei freiwillig Versicherten - genau wie bei Pflichtversicherten auch - genau die Hälfte des Krankenversicherungsbeitrags. Die absolute Höhe hängt daher vom individuellen Zusatzbeitrag und der Bruttorente des Ruheständlers ab. 

Bei privat versicherten Rentnerinnen und Rentnern orientiert sich der Zuschuss ebenfalls an den Beitragssätzen der gesetzlichen Krankenversicherung. Ihre Unterstützung beläuft sich auf den halben allgemeinen Beitragssatz (7,3 Prozent) und den halben durchschnittlichen Zusatzbeitrag der gesetzlichen Krankenkassen (1,25 Prozent), den sie mit ihrer Bruttorente zu entrichten hätten. Der Zuschuss kann laut DRV allerdings auf maximal die Hälfte der tatsächlichen Versicherungsprämie begrenzt werden, sofern diese höher ausfällt.

Sämtliche wichtigen Informationen zum Thema bündelt auch die Broschüre „Rentner und ihre Krankenversicherung“, die am kostenfreien Servicetelefon unter 0800 10 00 48 00 bestellt oder auf der DRV-Webseite heruntergeladen werden kann. dpa