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

Saturday, August 16, 2025

165,000-classroom shortage: The long wait for solutions


 

By Manila Bulletin

Published Aug 16, 2025 12:05 am


Every school year opens with the same grim picture: children learning in cramped spaces, some sitting on the aisles for lack of chairs, others shuffling between double or even triple class shifts, and students in campus open spaces where seats are clustered to indicate different classrooms.

According to the Second Congressional Commission on Education (EDCOM 2) report, 5.1 million students are now “aisle learners” — a stark symptom of the 165,000-classroom shortage confirmed by the Department of Education (DepEd). And that figure does not even count thousands of old, and disaster-damaged rooms that no longer meet basic standards.

At the current pace of construction, the backlog will take some 30 to 55 years to erase, Education Secretary Sonny Angara had warned months ago. By then, an entire generation of students will have gone through school without ever seeing a properly equipped, uncrowded classroom.

This is more than an infrastructure backlog; it is an education crisis that robs children of the time, comfort, and environment they need to learn.

The consequences are severe. When 50 to 70 students are squeezed into a room built for 40, the teacher’s ability to focus on individual learners disappears. Double and triple shifts shorten instructional hours, affecting mastery of basic skills. Poor ventilation and overcrowding expose students to illness.

How did we get here? The problem has been swelling for years. In 2013, the shortage stood at around 55,000. Twelve years later, it has nearly tripled. Rapid population growth, especially in urban and high-migration areas like NCR, CALABARZON, Region XII, and BARMM, has outpaced construction. Disasters, which routinely damage or destroy classrooms, further strain the system.

Secretary Angara has called for a whole-of-society approach to address the backlog. This means bringing in local governments, NGOs, and the private sector. LGUs can tap their Special Education Fund, while private partners can join through Public-Private Partnerships or the Adopt-a-School Program. Senate Bill No. 121, the proposed Classroom-Building Acceleration Program, seeks to authorize such partnerships with national government support.

Equally important is the call to “build smarter.” DepEd’s new classroom master plan uses demographic trends, site data, and congestion mapping to target where buildings are most needed. The designs themselves are adapting to reality: flood-resilient, stilted classrooms for coastal towns; elevated, storm-resistant rooms for typhoon-prone Bicol; reinforced concrete roofs for durability. These are not luxuries but necessities in a country battered by over 20 tropical cyclones a year.

Still, speed and transparency will decide success. This means flexible contracting rules to avoid delays when the DPWH is diverted to disaster response. It means clear cost standards to prevent price padding. And it means a centralized public dashboard to track projects, budgets, and completion rates — a safeguard against waste and corruption.

The classroom shortage cannot be solved by government alone. Businesses, civic groups, alumni associations, and faith-based organizations all have a role to play. The reward is tangible: every new, safe, and functional classroom built is a direct investment in the country’s future workforce and citizens.

Senator Paolo “Bam” Aquino points out the irony: condominiums and casinos can rise in months, yet classrooms take years. The difference is in priority, urgency, and the removal of bureaucratic bottlenecks.

No nation can claim to value education while millions of its children learn in aisles or shifts. Every year we delay, millions of Filipino children pay the price — in hours of lost learning, in diminished skills, and in a future where they are less prepared.

Friday, August 15, 2025

I dream of Oscars for PH

By Robert Requintina

Published Aug 15, 2025 12:05 am | Updated Aug 14, 2025 06:11 pm
EDITORS DESK
As the calendar rolls toward the new year, a buzz of excitement fills the air among Filipino movie enthusiasts, all eagerly anticipating the nation’s entry in the prestigious Oscar Awards in 2026.
While the Academy will unveil its coveted winners in March of next year, the nomination process has already commenced for the Best International Film category, previously known as Best Foreign Film.
This category celebrates films that transcend geographical boundaries, offering a window into diverse cultures and narratives.
An international feature film is defined as a motion picture that runs longer than 40 minutes, is produced outside the United States, and features a dialogue track that is predominantly non-English, with over 50 percent of the dialogue spoken in non-English languages. This definition also encompasses captivating animated and thought-provoking documentary features.
To be eligible, films must have made their theatrical debut in their respective countries between Oct. 1, 2024, and Sept. 30, 2025. The deadline for submissions to the Academy will be on Oct. 1, 2025.
On Dec. 16, 2025, the 15 finalists will be unveiled, leading up to the high-stakes reveal of the final five nominees on Jan 22, 2026.
Reflecting on the Philippines' journey in this cinematic arena, it’s evident that the nation has faced challenges since it began submitting entries in the 1950s.
The Philippines has yet to receive an Oscar nomination despite its vibrant filmmaking history.
The film “Mga Munting Tinig,” which represented the Philippines in the Best Foreign Language Film category in 2002, made waves by achieving the highest ranking for any Filipino entry, securing a commendable seventh place. With only five films nominated each year, this accomplishment remains a point of pride.
Critics and cinephiles alike believe that the Philippines is a treasure trove of world-class talent. Yet, the daunting financial obstacles associated with mounting a successful campaign — money typically allocated for advertising in prominent US publications and organizing exclusive screenings for Academy voters — have hampered its chances. In previous years, voters even received DVDs of competing films, adding another layer to the competitive landscape.
Other nations, such as Israel and Portugal, share similar struggles. Israel has garnered 10 nominations but has yet to claim a win, while Portugal holds the record for the most submissions — 37 — without a nomination to its name.
The countries adorned with the most Oscar victories in the Best International Feature Film category include Italy, with a remarkable 14 wins, followed closely by France, which boasts 12, and Japan, with five accolades.
But the question lingers: do we truly need an Oscar trophy to validate our cinematic endeavors? An Oscar statuette, a gleaming emblem of achievement in filmmaking, could serve as a powerful catalyst, elevating Philippine cinema to new heights and broadening its global reach. Filipino director Benedict Mique envisions a future where he receives an Oscar nomination, expressing unwavering belief that it’s only a matter of time.
Among the potential Philippine entries for the 2026 Oscar Awards are promising titles such as “Green Bones,” “Food Delivery,” “Sunshine,” “Espantaho,” “Magellan,” and “Some Nights I Feel Like Walking.” We eagerly await the official announcement from the Film Academy of the Philippines, hopeful for the bright future of Filipino cinema.
The Philippines has a vibrant history of submitting films to the Oscars, a journey that has unfolded over several decades. The inaugural entry came in 1953 with “Genghis Khan,” marking the country’s bold step onto the global cinematic stage. Since then, a tapestry of remarkable films has represented the Philippines, each telling its own unique story.
Among these, “Heneral Luna” (2015) stands out as a passionate portrayal of a hero’s struggle, while “Transit” (2013) offers a poignant glimpse into the lives of Filipino immigrants. The classic “Ganito Kami Noon, Paano Kayo Ngayon?” (1976) weaves a vibrant narrative that reflects the cultural landscape of its time.
Additionally, “Inagaw Mo Ang Lahat Sa Akin” (1995) captivates audiences with its dramatic intensity, and “Dekada ’70” (2003) serves as a powerful commentary on political upheaval. Finally, “Anak” (2000) touches hearts with its emotional depth, exploring the complexities of family and sacrifice.
Each submission not only showcases the artistic talent of Filipino filmmakers but also highlights the diverse stories and rich heritage of the nation.
Like many Filipino movie fans, I dream of an Oscar for the Philippines.
(Robert R. Requintina is the Entertainment Editor of Manila Bulletin)

High Speed Hitters shock Cool Smashers, seal title clash vs Crossovers

 


PLDT stormed into its first-ever Premier Volleyball League Finals in thrilling fashion – rallying from a 1-2 set deficit against a dynastic Creamline side and stunning the crowd-favorite Cool Smashers in a gripping five-set classic, 27-25, 22-25, 19-25, 25-16, 15-10.


By Manila Bulletin Sports

Published Aug 15, 2025 10:28 pm

Even more remarkable, the High Speed Hitters punched their ticket to the PVL On Tour one-game championship match on the back of a flawless seven-game sweep, silencing critics and shaking up the league’s power structure in one unforgettable night at the Araneta Coliseum Tuesday.

Creamline, poised to march into another Finals appearance after going up two sets to one, looked in control. But PLDT’s grit and resilience took over – a team that had never before lost two sets in a single match during their perfect run now used that very moment of adversity as fuel.

They roared back with a dominant fourth set, flipping the script, then tore through the Cool Smashers in the fifth – leaving a stunned crowd in disbelief as the 10-time league champions collapsed under pressure.

Savi Davison provided the finishing touches in the decider, erupting for eight of her 34 points in Set 5 alone, including the first three and the final four – capped by a booming crosscourt kill that pierced through two Creamline defenders and sealed the emotional win in two hours and 12 minutes of fierce action.

The Cool Smashers had clawed within one, 9-10, after an Alyssa Valdez kill that briefly reignited the Creamline faithful. But Davison answered with three clutch hits, each blow silencing the crowd a little more until only PLDT’s cheers remained.

A Valdez attack error put PLDT at match point, and although Michele Gumabao saved one, Davison would not be denied – slamming the door shut with a final, emphatic strike.

“This is hard work, sweat and tears,” exclaimed Davison, who claimed the Best Player of the Game honor amid a roaring PLDT celebration. “It’s a very light feeling and I love every part of it.”

Despite being outcheered by the sea of Creamline supporters, Davison praised their own fan base for standing firm:

“It’s a community win,” she said, pointing to the unwavering support that carried the High Speed Hitters through the pressure-cooker of the preseason tourney.

Awaiting PLDT in Sunday’s one-game finale at 6:30 p.m. are the Chery Tiggo Crossovers, who earlier dispatched the Cignal HD Spikers in four sets to clinch the first Finals berth.

Creamline and Cignal will battle for bronze at 4 p.m.

Kim Dy provided ample support to Davison’s explosive outing with 14 points, while Majoy Baron chipped in nine markers, highlighted by three solid kill blocks. Jovie Prado and Mika Reyes added eight points apiece in PLDT’s balanced offensive effort.

Davison not only delivered on offense but also showcased her all-around game, finishing with nine excellent digs and nine excellent receptions.

At the heart of PLDT’s composed execution was veteran setter Kim Fajardo, who stood toe-to-toe with Creamline’s Kyle Negrito. Fajardo tallied 25 excellent sets, just edging Negrito by one, to anchor PLDT’s smooth offensive flow.

Statistically, the two teams were nearly dead even in scoring, with PLDT narrowly outgunning Creamline in attacks, 61-58. The Cool Smashers edged the High Speed Hitters in blocks, 10-9, and had more service aces, 7-5.

But where PLDT made the real difference was in capitalizing on free points, scoring 33 off Creamline’s errors while yielding just 26 of their own.

Creamline’s big guns delivered as expected – Jema Galanza and Valdez each finished with 18 points, Gumabao had 16, and Pangs Panaga added 11. On any other night, those numbers would have been enough.

But not against a PLDT side that, even after dropping two sets for the first time all tournament, refused to crack under pressure and proved it simply doesn't know how to lose in this preseason run of the league organized by Sports Vision.

Public warned against fake 'refund' messages from scammers

 


By Jel Santos
Published Aug 14, 2025 03:31 pm
(PHOTO: DOH)
(PHOTO: DOH)
Scammers are targeting the public with fake text messages claiming to be from the Department of Health (DOH) and promising refunds for alleged hospital overpayments, the agency warned on Thursday, August 14. 
Recently, there have been reports of individuals receiving text messages claiming they had received over P8,000 from the “DOH zero billing plan” and urging them to click a suspicious link to claim the refund.
“Ang transaksyon sa larawan ay isang uri ng SCAM. Ito ay hindi galing sa DOH o sa anumang sangay ng gobyerno (The transaction in the image is a type of scam. It did not come from the DOH or any government agency),” the agency said in an advisory.
The DOH said neither the agency nor its hospitals send links to the public, and urged people not to click suspicious links in scam messages.
According to the agency, legitimate benefits under the Marcos administration’s “Bayad na Bill Mo” or “No Balance Billing” program are free of charge for basic services and accommodation in all DOH hospitals nationwide.
The DOH reminded the public to remain vigilant against text scam messages, stressing that these schemes often use official-sounding names and false promises to trick recipients into clicking harmful links or sharing personal information.
The health department encouraged Filipinos to verify health information through its official website and social media accounts before believing or acting on it, as a safeguard against scams.

Thursday, August 14, 2025

Magic, music, and Filipino identity illuminate 'Into the Woods' opening night


Lea Salonga as The Witch, Mikkie Volante as the Baker's Wife, and Nyoy Volante as the Baker in Theatre Group Asia's "Into the Woods." (Photo by Mark Alvarez)


By John Legaspi

Published Aug 12, 2025 03:47 pm


Ever since the announcement of its stellar cast, Theatre Group Asia’s (TGA) production of “Into The Wood” has had Filipinos spellbound—to the point that there are barely any tickets left to purchase. This reimagining of the beloved Stephen Sondheim musical features a cast of global Filipino artists, led by Eugene Domingo, Nyoy Volante, and internationally acclaimed thespians Arielle Jacobs, Josh Dela Cruz, and Tony Award-winner Lea Salonga, among others.

Sarah Facuri, Tex Ordoñez-De Leon, and Kakki Teodoro 

Sarah Facuri, Tex Ordoñez-De Leon, and Kakki Teodoro

Josh Dela Cruz

Josh Dela Cruz

Lea Salonga

Lea Salonga

Nyoy and Mikkie Volante

Nyoy and Mikkie Volante

Clint Ramos and Chari Arespacochaga

Clint Ramos and Chari Arespacochaga

Eugene Domingo

Eugene Domingo

Teetin Villanueva

Teetin Villanueva

Rody Vera

Rody Vera

On Aug. 7, 2025, the curtains rose at the Samsung Performing Arts Theater in Makati City. Leading the celebration were TGA’s overall artistic and creative director, Clint Ramos, and the musical’s director, Chari Arespacochaga. They welcomed Filipino fans eager to witness the crossroads of beloved fairy tales—infused with a distinct Filipino soul.

Through theater, TGA honors the depth and richness of Philippine history and culture, creating a space where Filipinos resonate within a global context. Its vision includes bridging gaps and fostering connections among Filipinos in the international theater community to present world-class productions by Filipinos, for Filipinos.

Christopher Mohnani and Arielle Jacobs

Christopher Mohnani and Arielle Jacobs

Mariana Zobel de Ayala and son

Mariana Zobel de Ayala and son

Nic Chien and Joyce Oreña

Nic Chien and Joyce Oreña

Fernando and Kit Zobel de Ayala with their son Alvaro and daughter Sylvia

Fernando and Kit Zobel de Ayala with their son Alvaro and daughter Sylvia

Gabbi Garcia and Khalil Ramos

Gabbi Garcia and Khalil Ramos

Carol Garcia, Alice Eduardo, and Pops Fernandez

Carol Garcia, Alice Eduardo, and Pops Fernandez

Adelbert Abrigonda, Iza Calzado, and Ricky Lee

Adelbert Abrigonda, Iza Calzado, and Ricky Lee

Morissette Amon and Joreen Bautista

Morissette Amon and Joreen Bautista

Martina Campos and Abby Binay

Martina Campos and Abby Binay

Cristina and Bea Elizalde

Cristina and Bea Elizalde

San Juan City Mayor Francis Zamora and Keri Zamora

San Juan City Mayor Francis Zamora and Keri Zamora

Crickette and Donnie Tantoco

Crickette and Donnie Tantoco

As “Into The Woods” continues its run, audiences can look forward to a production that not only entertains but also uplifts the collective Filipino voice—boldly weaving tradition, innovation, and identity into every note, step, and scene.

Taylor Swift announces 12th studio album, 'The Life of a Showgirl'

 


Taylor Swift performs at Wembley Stadium as part of her Eras Tour June 21, 2024, in London. (Photo by Scott A Garfitt/Invision/AP, File)


By The Associated Press

Published Aug 12, 2025 01:39 pm


NEW YORK (AP) — Look what you made her do — Taylor Swift has announced her 12th studio album, “The Life of a Showgirl.”

Swift announced the album on her website shortly after a countdown timer expired at 12:12 a.m. Tuesday. No release date was announced, but her site said vinyl editions of the album would ship before Oct. 13.

Fans have long theorized that Swift's 12th album would soon arrive. On Monday, Taylor Nation — an official branch of the pop superstar’s marketing team — posted a TikTok slide show of 12 images with the caption “Thinking about when she said 'See you next era…'” Swift is seen wearing orange in every image.

A special limited vinyl edition of the album will be released in “Portofino orange glitter," according to a pre-order page on her site. A special cassette edition is also available for pre-order.

Sensing a pattern, eagle-eyed fans noticed that 12 minutes earlier, the popular “New Heights” podcast posted a tease for Wednesday. The show, hosted by Swift's boyfriend and Chiefs tight end Travis Kelce alongside his brother, former Eagles center Jason Kelce, posted an orange image on social media with a mysterious silhouette, many believing to be Swift.

The podcast announced early early Tuesday that Swift would would appear on “New Heights” and a teaser video posted about her appearance showed her pulling the album from a briefcase. The actual album artwork, just as it is on her website, is blurred.

“The Life of a Showgirl” follows last year’s “The Tortured Poets Department,” announced during the 2024 Grammys and released during her record-breaking tour, which raked in over $2.2 billion across two years and five continents, making it the highest-grossing tour of all time.

The album is also her first release since Swift regained control over her entire body of work. In May, that pop star said she purchased her catalog of recordings — originally released through Big Machine Records — from their most recent owner, the private equity firm Shamrock Capital. She did not disclose the amount.

In recent years, Swift has been rerecording and releasing her first six albums in an attempt to regain control of her music. The project was instigated by Hybe America CEO Scooter Braun’s purchase and sale of her early catalog and represents Swift’s effort to control her own songs and how they’re used. Previous “Taylor’s Version” releases have been more than conventional re-recordings, arriving with new “from the vault” music, Easter eggs and visuals that deepen understanding of her work.

So far, there have been four rerecorded albums, beginning with “Fearless (Taylor’s Version)” and “Red (Taylor’s Version)” in 2021. All four have been massive commercial and cultural successes, each one debuting at No. 1 on the Billboard 200.

Swift’s last rerecording, “1989 (Taylor’s Version),” arrived in October 2023, just four months after the release of “Speak Now (Taylor’s Version).” That was the same year Swift claimed the record for the woman with the most No. 1 albums in history.

Rentner drohen hohe Nachzahlungen: Warum sie die Steuererklärung nicht vergessen sollten

Berlin – Rentnerinnen und Rentner haben im Juli wieder eine Erhöhung ihrer Bezüge bekommen. Doch dadurch kann es sein, dass einige über den Grundfreibetrag kommen und eine Steuererklärung abgeben müssen. Wer das vergisst, dem können Nachzahlungen, Zinsen, Strafen und sogar ein Verfahren drohen, schreibt Bild.de

Verspätungszuschläge: „Das darf das Finanzamt“

Steuerprofi Juliane Kutzke von Taxfix erklärt gegenüber der Zeitung, dass für Rentner unter bestimmten Umständen eine Pflicht für eine Steuererklärung besteht. Sie empfiehlt, dass man, sobald man weiß, dass man betroffen ist, eine Steuererklärung einreicht. Denn sonst könne das Finanzamt Verspätungszuschläge erheben. „Das darf das Finanzamt“, betonte sie, „aber das muss auch nicht passieren.“ 

Älteres Paar sitzt vor einem Laptop auf einer Couch und bedient einen Taschenrechner.
Viele Rentnerinnen und Rentner sind steuerpflichtig – ohne vielleicht davon zu wissen. (Symbolbild) © Zoonar/Imago

Die Beamten seien durchaus rücksichtsvoll, wenn man es das erste Mal nicht mitbekommen habe. Falls man vergessen hat, seine Erklärung abzugeben, empfiehlt Kutzke, sich mit dem Finanzamt in Verbindung zu setzen und die Steuererklärung so schnell wie möglich nachzureichen.

Der Verspätungszuschlag beträgt mindestens 25 Euro pro Monat und ist auf einen Betrag von 25.000 Euro beschränkt. Rentner müssen dabei selbst aktiv werden, wenn sie steuerpflichtig sind – sie bekommen keinen Hinweis der Behörden. Hier ist eine kleine Übersicht darüber, wann Rentner eine Steuererklärung abgeben müssen: 

Rente: Wer muss überhaupt eine Steuererklärung abgeben?

Betroffen sind die Rentner, deren gesamte Einkünfte den Grundfreibetrag überschreiten. Dieser liegt für das Jahr 2025 bei 12.096 Euro. Zwar ist ein Teil der Altersrente steuerfrei, allerdings zählen zu dem Gesamtbetrag auch noch Einkünfte wie Mieteinnahmen, Witwenrente oder betriebliche Altersversorgung.  

Wer mit allem zusammen also auf zum Beispiel 13.000 Euro kommt, liegt über dem Grundfreibetrag und muss eine Steuererklärung abgeben. Wer sich nicht sicher ist, kann sich das online mit dem Rentenbesteuerungsrechner der Vereinigten Lohnsteuerhilfe ausrechnen lassen.

Muss die gesamte Rente versteuert werden?

Noch nicht. Es fällt nämlich je nach Renteneintrittsjahr eine unterschiedliche Besteuerung der Rente an, die bis 2058 auf 100 Prozent ansteigen soll. Wer beispielsweise 2022 in den Ruhestand gegangen ist, muss 82 Prozent seines Renteneinkommens versteuern. 2025 sind es 83,5 Prozent. Dieser Wert bleibt nach Renteneintritt bestehen. 

Grund ist die Neuregelung der Besteuerung im Alterseinkünftegesetz von 2005, das den Übergang von einer vorgelagerten zu einer nachgelagerten Besteuerung regelte. Das bedeutet, dass Rentenbeiträge während der Ansparphase schrittweise steuerfrei gestellt und erst die Auszahlungen besteuert werden.

Muss man dann als Rentner auch Steuern zahlen?

Steuererklärung abgeben, heißt aber nicht automatisch auf Steuern zahlen, erklärt die Vereinigte Lohnsteuerhilfe. Denn auch Rentner können in ihrer Steuererklärung Ausgaben geltend machen, die die Steuerlast drücken. Liegt das steuerpflichtige Einkommen nach diesen Abzügen dann wieder unter dem Grundfreibetrag, fallen trotz Steuererklärung keine Steuern an.

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

Absetzen kann man etwa Beiträge zur gesetzlichen Kranken- und Pflegeversicherung, außergewöhnliche Belastungen, haushaltsnahe Dienstleistungen und Handwerkerkosten sowie Werbungskosten. Wer keine Werbungskosten benennt, für den zieht das Finanzamt 102 Euro pauschal ab. (lma mit dpa)

Tuesday, August 12, 2025

Why do Filipinos want to be light skinned instead of their traditional dark skin?

 

 · 

I remember someone says it's a “blessing to have a fair skin” and “a person with fair skin colour is blessed”. Sigh. Lol. I can't hide my amusement.

White people, don't get offended, please.

I want to emphasize that it's not only a Filipino thing wanting to be fair skinned but to some South East Asians as well. Same as white people wanting to be tan.

Two factors influenced why Filipinos highly regarded fair skin colour. It's a symbol of beauty and higher social class. The Tagalog phrase “Maganda sana, maitim lang” ( She's beautiful if only fairer) describes how most Filipinos considers fairer skin (and other western facial features) as more attractive compare to natural Filipino features.

I'm not surprised though, it's been ingrained (since history of colonization) that having a lighter skin symbolizes a higher social status, dark skin colour classifies someone of lower class status (slaves, farm workers, bandits). The mentality evolved from generation to generation until having a fair skin is a pre requisite for someone to be called beautiful. Aside from that, because Filipinos mostly can understand English, they look at Hollywood movies, fashion shows and even beauty magazines.

Below are images of indigenous people with “traditional dark skin”. Pure native Filipinos is rare I guess nowadays.

Mangyan people

Agta (Aeta)

Igorot

Isnag

However, take note, this is just a skin colour preferences for most Filipinos due to some influences (history, media). Filipinos still proud of being a Filipino regardless of what tribe they belong to.

Für wen lohnt sich die Rente mit 63 noch – und wer darf es überhaupt nutzen?

Rente mit 63 ist möglich, aber teuer. Wer 2025 früher in den Ruhestand will, muss hohe Abschläge verkraften. Wir zeigen, für wen es sich lohnt.

Berlin – Der Traum vom frühen Ruhestand beschäftigt viele Deutsche. Die sogenannte „Rente mit 63“ klingt verlockend, doch die Realität sieht komplizierter aus. Wer 2025 vorzeitig in Rente gehen möchte, muss mit erheblichen finanziellen Einbußen rechnen.   

Wer kann 2025 mit 63 in Rente gehen? Grundsätzlich können alle Versicherten mit mindestens 35 Rentenversicherungsjahren ab dem 63. Lebensjahr die „Altersrente für langjährig Versicherte“ beantragen. Laut der Deutschen Rentenversicherung werden dabei nicht nur Arbeitszeiten angerechnet, sondern auch Zeiten für Kindererziehung, Pflege, Wehr- und Zivildienst sowie Anrechnungszeiten für Arbeitslosigkeit oder Studium. Besonders relevant für 2025: Der Geburtsjahrgang 1962 kann erstmals mit 63 Jahren in Rente gehen. Allerdings liegt deren reguläres Rentenalter bei 66 Jahren und 8 Monaten, was zu erheblichen Abschlägen führt.

Rente mit 63: Die teuren Abschläge bei der Frührente

Wer früher in Rente geht, zahlt einen hohen Preis. Pro Monat vorzeitiger Rente werden dauerhaft 0,3 Prozent von der Rente abgezogen. Für den Jahrgang 1962 bedeutet das bei einem Rentenbeginn mit 63 Jahren einen Abschlag von 13,2 Prozent. Ein Rechenbeispiel verdeutlicht die Dimension: Bei einer geplanten Rente von 1800 Euro würde der Abschlag 237,60 Euro betragen – die monatliche Rente schrumpft auf 1562,40 Euro. Wichtig: Diese Kürzung gilt lebenslang und kann nicht mehr rückgängig gemacht werden.   

Anders sieht es für besonders langjährig Versicherte aus. Wer 45 Rentenversicherungsjahre nachweisen kann, darf abschlagsfrei früher in Rente gehen. Allerdings steigt auch hier das Eintrittsalter kontinuierlich an. Der Jahrgang 1961 kann diese „Rente für besonders langjährig Versicherte“ mit 64 Jahren und 6 Monaten beanspruchen. Ab Jahrgang 1964 liegt die Altersgrenze einheitlich bei 65 Jahren. Ein Blick auf die Tabelle, wann man regulär in Rente gehen kann:

Jahrgang\tRentenalter\tRenteneintritt
195866 Jahre2024
195966 Jahre und 2 Monate2025/26
196066 Jahre und 4 Monate2026/27
196166 Jahre und 6 Monate2027/28
196266 Jahre und 8 Monate2028/29
196366 Jahre und 10 Monate2029/30
196467 Jahre2031
196567 Jahre2032
196667 Jahre2033
196767 Jahre2034
196867 Jahre2035
196967 Jahre2036
197067 Jahre2037

Die Situation verschärft sich für jüngere Jahrgänge dramatisch. Wer ab 1964 geboren wurde und mit 63 in Rente gehen möchte, muss laut vpv Versicherung mit dem Maximalabschlag von 14,4 Prozent rechnen. Bei einer ursprünglich geplanten Rente von 2000 Euro bleiben dann nur noch 1712 Euro übrig. Ein Blick auf die Abschläge pro Jahrgang bei einem Renteneintrittsalter von 63:  

JahrgangRente regulär mit\tEintritt\tfrüher in RenteAbschlag
196065 Jahren20251 Jahr, 4 Monate4,8 %
196164 Jahren20252 Jahre, 6 Monate9,0 %
196165 Jahren20261 Jahr, 6 Monate5,4 %
196263 Jahren20253 Jahre, 8 Monate13,2 %
196264 Jahren20262 Jahre, 8 Monate9,6 %
196265 Jahren20271 Jahr, 8 Monate6,0 %
196363 Jahren20263 Jahre, 10 Monate13,8 %
196364 Jahren20272 Jahre, 10 Monate10,2 %
196365 Jahren20281 Jahr, 10 Monate6,6 %
ab 196463 Jahren-4 Jahre14,4 %
ab 196464 Jahren-3 Jahre10,8 %
ab 196465 Jahren-2 Jahre7,2 %
ab 196466 Jahren-1 Jahr3,6 %
Figuren eines korpulenten Mannes und einer korpulenten Frau stehen auf einem Untergrund aus Geldscheinen. Neben ihnen befindet sich ein Maßband, darauf zu sehen die zahlen 61,62,63,70, 71 und 72.
Die „Rente mit 63“ bleibt möglich, wird aber immer teurer. Wer früher in den Ruhestand möchte, sollte die finanziellen Konsequenzen genau kalkulieren. © Christian Ohde/Imago

Früher in Rente aber ohne Abschläge: Wie geht das?

Die Deutsche Rentenversicherung bietet seit dem 50. Lebensjahr die Möglichkeit, durch freiwillige Zusatzbeiträge die Abschläge auszugleichen. Ein Beispiel: Wer ein Jahr vor der Regelaltersgrenze in Rente gehen möchte und eine Monatsrente von 800 Euro erwartet, müsste 2025 rund 7100 Euro zusätzlich einzahlen, um den 3,6-prozentigen Abschlag vollständig zu kompensieren. Eine weitere Option bietet die Flexirente. Sie ermöglicht es, trotz Rentenbeginn weiterhin in Teilzeit zu arbeiten. Dadurch können Versicherte sich schrittweise aus dem Berufsleben verabschieden und gleichzeitig die finanziellen Verluste durch die Frührente teilweise ausgleichen.  

Die Entscheidung für eine vorzeitige Rente sollte gut durchdacht sein. Besonders für Versicherte mit hohen Renten sind die absoluten Verluste erheblich. Wer jedoch gesundheitliche Probleme hat oder in körperlich anstrengenden Berufen arbeitet, für den kann die Frührente trotz der Abschläge sinnvoll sein. Wichtig ist eine individuelle Beratung. Die Deutsche Rentenversicherung bietet beispielsweise kostenlose Beratungstermine an und erstellt auf Antrag eine detaillierte Berechnung der notwendigen Ausgleichszahlungen. (ls)