Finding sanctuary in fragility

In 'Glass Houses,' Chels Munger journeys through grief and heritage

By S.C. Fojas

Published Oct 19, 2026 09:08 am

MEET THE ARTIST Chels Munger

Sometimes the path we think we’re supposed to take stops making sense. For Filipino-American artist Chels Munger, working in digital design felt increasingly distant from the real feelings she wanted to share. So she stepped away from the screen and picked up a paintbrush instead. That leap of faith culminates in “Glass Houses,” her first solo exhibit, where she uses bold abstract art to process the loss of her mother and reconnect with her Filipino roots.

Running at Gallery BiG, located on the 4th floor of Shangri-La Plaza in Mandaluyong City, the exhibit marks both an essential homecoming and an intimate evolution for the 22-year-old artist.

From pixels to pigment

Chels’ journey to canvas was not a straightforward trajectory. Born and raised in Los Angeles, California, and currently studying Studio Art at Pasadena City College, she initially pursued a career in entertainment design. She spent years immersed in digital media. Screen-bound pixels, however, eventually felt inadequate for the weight of the stories she needed to tell.

“I was doing a lot of digital work, but it slowly began to lack a certain feeling I was trying to convey,” Chels reflects. “Eventually my digital work was doing everything to look painterly, so I figured, why not just paint? I found that painting was the only place I could access the emotion I was trying to convey.”

Describing her signature style as “a mix of abstraction and expressionism,” Chels channels visceral emotion into raw visual statement. Working primarily in oil paint while frequently incorporating acrylics and mixed media to build layered, tactile surfaces, her canvases weave recurring themes—childhood memories, grief, family relations, upbringing, growth, and guidance—seamlessly across every piece.

A defining characteristic of Chels’ work is her distinct integration of text as a visual and narrative element. By incorporating paper cutouts, repeated phrases, song lyrics, and fragments of old letters or personal documents directly into her compositions, these textual components act as emotional markers, deepening her visual storytelling and guiding viewers through subtle layers of each painting.

A tribute to heritage and heartbreak

At its core, “Glass Houses” serves as both a tribute to Chels’ late Filipina mother and a journey through her personal heritage in the Philippines. The collection traces a year-long trajectory through loss, transforming personal heartache into shared human connection.

“‘Glass Houses’ is somewhat a homecoming for me,” Chels explains. “It is also a tribute to my late mother. After her passing, I was struggling with handling the grief, so everything in this exhibit is really a display of that grief throughout this past year, as well as a way for me to reconnect with my heritage here in the Philippines.”

The title itself highlights her commitment to emotional openness with the viewer.

“I chose my title because of the transparency I was trying to have with my audience about who I am and what I feel. To me, art is all about connection, to empathize with one another, human to human, even just for a few moments. ‘Glass Houses’ is a safe space for that,” she says.

Every collection has a turning point. For Chels, two key pieces anchored the trajectory of “Glass Houses.”

“Counting Sheep” served as the foundational spark. “I had been painting for months, but it wasn’t until ‘Counting Sheep’ that I felt ready to work on a possible exhibit,” Chels notes.

“You Won’t See Me on Monday,” by contrast, provided the central motifs and atmospheric imagery that defined the rest of the collection.

The spontaneous spark

Chels’ creative process thrives on sensory triggers: a fleeting sound, an evocative phrase, or a sudden visual image that demands realization.

“Sensory things are what give me the best leads to a new painting,” she says. “Some paintings are done in an hour; others take me months of scraping and refining before I’m satisfied.

Her studio setup mirrors this organic, unpretentious ethos. Rather than a formal, pristine workspace, her studio lives in everyday domestic corners.

“My studio is basically either my desk next to my dining room or the floor of my garage. So it’s hardly a studio, but I think that’s okay,” she says. “My grandparents’ house is the same way; the whole house is the studio. Wherever you find space to paint, that’s where you will do it.”

This physical constraint adds an authentic dynamic to her canvases.

“I think this helps apply a bit of tension to my work because I am forced to work with the elements around me while also conveying the message I want. It’s somewhat of a balance,” she says.

Knowing when a piece is finished requires delicate intuition. Chels describes an internal gut feeling that signals completion, often accompanied by a wave of anxiety that warns against further interference.

When viewers step into Gallery BiG to view “Glass Houses,” Chels hopes they approach the collection with an open interpretation and personal resonance.

“Take with you what sticks, and toss the rest,” she ends.

5 home wellness tricks I learned from my mom

BY LIA GUTIERREZ

AUGUST 25, 2026

Art by Tine Paz-Yap

If you see me wearing something cool or developing healthy habits, chances are, I got it from my momma. But I’m not the type to gatekeep my wellness tricks, so here are five home products that have served as my household staples.

1. Baking soda goes a long way

While many have been led to believe that the combination of baking soda and vinegar makes for a wondrous substitute for cleaning products, they are actually most effective separately.

Baking soda is a base, which can be useful for things like laundry. If you’re using a washing machine, you can add about half a cup of baking soda straight into the drum. This allows your fresh batch of clothes the benefit of neutralizing deep-set sweat or musty smells, and even brightening your white clothes.

And if you’re hand-washing, as we often do for delicates and such, adding one to two tablespoons of baking soda directly to your improvised basin (we use the bathroom sink), can help achieve a similar effect.

In our household, baking soda is most commonly found in our refrigerator, where it can help deodorize the otherwise unpleasant stink of raw meat and leftovers.

2. Aluminum foil can polish your silver

Aluminum has many delightful properties, namely its effectiveness in polishing your silver. All you need to do is put your tarnished silver—rings, necklaces, or bracelets—in a container lined with aluminum foil, shiny side up. Sprinkle your salt and baking soda evenly over and around the silver, then pour boiling water over everything and let it all soak.

The aluminum foil will attract the sulfur responsible for your silver’s tarnish—a simple and easy way to bring your silver back to its original shine. Leave it in the solution for a few minutes, then rinse and dry each one.

Another use for aluminum foil is as a makeshift Scrub Daddy sponge. Sometimes, when our dish sponges are beaten to a pulp, we can’t quite go to the grocery for a single product. Instead, we make do with crumpling aluminum foil into a ball, using it to scrub off grease and burnt bits.

But it’s important not to use it on non-stick surfaces, as its abrasive texture can potentially damage your kitchenware.

3. Just a spoonful of honey helps the medicine go down

Honey can help soothe a sore throat alongside over-the-counter medicines. When the weather gets cool, I find myself prone to the flu, which is why my mom and I always have honey in our cabinet. Honey is naturally anti-microbial, which means it can aid your immune system in fighting off viruses and bacteria while also reducing inflammation in your throat.

The thickness of honey also provides a coat for the lining of your throat, acting as a protective barrier that will make it easier for you to swallow. It essentially works similarly to a cough drop. Of course, while it can make you feel better, it won’t provide a cure if you have strep throat or a bacterial infection.

What I like to do is swallow a full tablespoon of honey, and allow it to work its magic. Doctors recommend it as a home remedy, too.

4. Aloe vera keeps you fresh

Aloe vera is a silent warrior in our household’s bathrooms. It’s always handy to keep it in stock, as it can be used for skincare and hair care. It’s known to soothe minor burns and skin irritations such as sunburn. It can even fight off acne. I like to use it as a lightweight moisturizer.

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While it won’t provide the seal your skin needs to lock in the moisture, it can definitely provide hydration. The clear gel adds a soothing effect to your skin and, when paired with oil, it can serve as a fine substitute for outrageously expensive moisturizing products.

As someone living with eczema, I am prone to dandruff and a dry scalp. Aloe vera is a natural ingredient that can temporarily calm my itch and even condition my hair.

5. Chia seeds fight constipation

There is nothing worse than a bad tummy. While chia seeds may not always be available, we try our best to keep it on hand. The problem is that it’s best to soak it in water or milk overnight, and we don’t always remember to do that.

But when we do, chia seeds mixed with berries (or in my case, chocolate) makes for a hearty breakfast. And if you’re trying to make your bowel movements more regular, chia seeds will get the job done.

There are a few considerations to make before going all-in on the chia craze. Consuming it dry may actually worsen constipation, so it’s best to soak it in liquid for at least 20 minutes until a gel starts to form. Starting small is also the way to go, as your body gets used to cleansing itself from the inside.

The ultimate trick is to always listen to your body’s signals. Don’t ignore the signs when you see them, and don’t be afraid to reach out to loved ones for advice.

Postscript to a systemic madness

 

BLITZ REVIEW - Juaniyo Arcellana - The Philippine Star 

August 23, 2026 | 12:00am

Twenty-two editions later, the Cinemalaya film festival is still pushing the envelope for independent local cinema, despite the weather being uncooperative as usual and rains, floods turning the metropolis into a muddy, not-so-virtual waterworld.

It has come a long way, no doubt, from the maiden jury prize winner “Ang Pagdadalaga ni Maximo Oliveros” in 2005, which went on to reap international fame and awards for its director Aureaus Solito (a.k.a. Kanakan Balintagos) and stamped in memory the performance of supporting patriarch Soliman Cruz (a.k.a. Mokyo of Batibot), which in the festival’s first year at the Cultural Center of the Philippines (CCP) left the audience wondering about the further possibilities of dirty realism.

Long since vacating the CCP premises due to ongoing, prolonged renovation, the festival continues to draw cinephiles and the plain curious in different venues across the city in select malls that provide ample shelter from the monsoon.

On the last day of this year’s run, I was able to catch two of the big winners, or at least the most talked-about films of the nine entries:

“Mag-iina” or the Mothering which won Best Picture and Best Director for Giancarlo Abrahan, and “2 Valid IDs” which rightfully copped the audience choice and jury prize, chronicling as it does the everywoman’s travails in the mad bureaucratic system found only in the Philippines.

It’s not every day that you come across a film like “Mag-iina,” surely one of a kind even by local standards. Some critics remarked that difficult as it was to grasp its post-surreal, post-structuralist mode, somewhat vaguely described in the teasers as a “psychological horror” complete with instantaneous possession and a seething matriarchy courtesy of melting wax prosthetics, the film was a cut or two above the rest.

The three generations of women inhabiting a decaying rundown house in their intertwined fates that drew in an adopted boy and a groped house help beleaguered by her surroundings, “Mag-iina” is quite a brave foray into a world run by women, visually compelling with narrative twists lurking around every corner, always at the risk of perhaps sounding misogynous.

Honoring excellence: Enduring value of TOFIL

 

By Manila Bulletin

Published Jan 27, 2026 12:05 am | Updated Jan 26, 2026 06:22 pm     

At a time when public discourse is weighed down by cynicism and despair—much of it fueled by recurring scandals of corruption and abuse of power—the annual recognition of The Outstanding Filipino (TOFIL) awardees stands as a quiet but resolute counterpoint. The 2025 TOFIL honorees remind us that integrity, excellence, and selfless service are not relics of the past, but living values embodied by Filipinos who continue to uplift the nation through their work.

Each year’s TOFIL awardees come from diverse fields—education, science, business, culture, public service, and community development—yet they share a common thread: an unwavering commitment to the greater good. The 2025 awardees exemplify this tradition of merit and meaning. Their achievements are not merely personal milestones but contributions that have enriched institutions, empowered communities, and expanded the country’s capacity to meet complex challenges. In honoring them, we affirm that excellence still matters—and that it is attainable without compromise of values.

TOFIL’s significance lies not only in celebrating individual achievement, but in building a collective narrative of what Filipinos can aspire to be. Since its establishment in 1988 by the Metrobank Foundation and Rotary Club of Makati, TOFIL has recognized men and women whose lives reflect professionalism anchored in ethics and service. Past laureates include towering figures in medicine, jurisprudence, the sciences, education, arts, and enterprise—individuals who quietly shaped national life, often outside the glare of politics or celebrity.

Names such as Dr. Fe del Mundo in pediatrics, Washington SyCip in business and institution-building, Chief Justice Hilario Davide Jr. in law and democratic governance, and National Artists and scientists who elevated Filipino creativity and innovation, form part of TOFIL’s distinguished honor roll. These laureates demonstrate that lasting national impact is built patiently—through competence, credibility, and character.

At crucial moments in Philippine history—during political transitions, economic uncertainty, and social upheaval—TOFIL awardees serve as moral anchors. They remind us that while institutions may falter and leaders may disappoint, the nation’s moral capital resides in its people. Their lives stand as proof that one can succeed without surrendering principle, and lead without exploiting power.

This message is especially resonant today. Public trust in governance has been eroded by persistent reports of corruption and impunity. Many Filipinos, particularly the youth, grapple with a sense of disillusionment, questioning whether honesty and hard work still have a place in public life. In this context, honoring TOFIL awardees becomes more than ceremonial; it becomes restorative.

We salute the 2025 TOFIL awardees, namely: Senator JV Ejercito, Public Service; former DTI Secretary Alfredo Pascual, Government; Dr. Maria Minerva Calimag, Academic Community, Dr. Neil Aldrin Mallari, NGO and Civil Sector; and Rene Meily, Private Sector.

By shining a light on exemplary Filipinos, TOFIL helps recalibrate our collective compass. It reminds citizens that the narrative of the nation is not defined solely by its failures, but also by its quiet victories—won in classrooms, laboratories, courtrooms, hospitals, boardrooms, and communities. These are victories that steadily shape a more humane and hopeful society.

The 2025 TOFIL awardees deserve not only applause, but emulation. Their stories affirm that nation-building is not the exclusive domain of those in power, but a shared responsibility carried out through vocation and service. In honoring them, we honor the best of the Filipino spirit—and, in doing so, renew our faith that integrity and excellence can still light the way forward.

Between deadlines and daydreams

 

I used to think that love and career existed on opposite ends of a seesaw—when one goes up, the other has to go down. It is what I often heard growing up: “Focus on your studies first.” “You can’t build a future if you’re distracted.”

Adults uttered them with the conviction of people who had been burned before. So, I followed the rule. I buried myself in schoolwork, chased grades, collected certificates, and convinced myself that love could wait—that it was something to be earned after success.

But as I grew older, I realized that life does not unfold as neatly as we plan it. Some of the most important things happen when we least expect them—not in the spaces we reserve for them, but in the moments we do not see coming.

I met someone who did not arrive as a distraction but as a quiet constant—the kind of person who did not ask me to choose between ambition and affection, but taught me that love could exist alongside the grind.

We were both in the middle of building our own worlds. There were deadlines, exams, and the endless pressure to “make it.” Yet in between the rush, we found time for simple things—coffee before class, late-night conversations about where we wanted to be five years from now, or how tired we both were but still hopeful. Love was not a grand event. It was the calm we returned to after a long day of trying to prove ourselves.

Adulthood has a way of testing that calm. Somewhere between job applications and responsibilities, I began to understand what growing up truly means—not just paying bills or showing up to work on time, but carrying both dreams and doubts in the same pocket. It means learning that success does not come all at once. It arrives slowly, sometimes disguised as exhaustion, sometimes as quiet progress no one else notices.

There were nights when I questioned everything. Was I doing enough? Was I falling behind? I would scroll through social media and see people my age already “there”— building careers, traveling, achieving things that made me wonder if I had missed a turn somewhere. It is so easy to compare, especially when everyone seems to be moving faster. But then I would remember something my partner once said: “You are not late. You are just on your own timeline.”

That sentence grounded me. It reminded me that life is not a race—it is a collection of moments, and each person has their own rhythm. Some people bloom early; some take time to grow roots. The important thing is to keep growing.

I have learned that love and career are not enemies. They are, in many ways, reflections of the same pursuit—the desire to build something lasting, to pour ourselves into something that gives meaning to our days. Love teaches patience, empathy, and resilience—the very qualities that make us better in our work. A career teaches discipline, purpose, and perseverance—the very traits that keep love grounded when life gets tough.

There are days when I still feel lost. When the future seems like an endless question mark, and the path ahead blurs with uncertainty. But I have stopped seeing uncertainty as failure. It is simply the space where growth happens. To grow up is to realize that not everything has to be figured out; sometimes, it is enough to keep trying, to keep showing up, and to keep believing that we will get there eventually.

Love helps with that. It is not the fairytale kind—not always fireworks or grand gestures—but the kind that holds your hand through the quiet, tired parts of life. It is knowing that even when things do not go as planned, there is someone who believes in your “someday.”

As I look ahead, I no longer see love and career as a balancing act but as two parts of the same story. The deadlines and daydreams can coexist. The person I love does not pull me away from my goals; she reminds me why those goals matter. And when life gets heavy, when work feels endless and the world feels too loud, it is love—steady, patient, and real—that brings me back to center.

Maybe that is what growing up really is: learning to live in the middle—between ambition and affection, between where we are and where we hope to be. It is understanding that fulfillment does not come from choosing one over the other, but from letting both shape us.

Someday, when I look back, I hope I remember these years not as the time I had it all figured out, but as the time I learned how to keep going. To build a life not just of achievements, but of meaning. To chase success without losing softness. To love without losing myself.

Between deadlines and daydreams, I am still learning—and that is enough for now.

Public warned against fake 'refund' messages from scammers

 

By Jel Santos

Published Aug 14, 2025 03:31 pm

(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.

A traveler’s guide to affordable and fun adventures

From take-off to touchdown, make your next travel worry-free with BDO

Going on vacations is one of life’s greatest joys—from exploring new destinations, experiencing different cultures, to creating unforgettable memories with friends and family. It should not be derailed by unexpected mishaps and last-minute changes.

That’s where BDO Insure Travel Insurance steps in, ensuring your trip is as enjoyable and hassle-free as possible. Whether medical emergencies, baggage delays, or flight disruptions, BDO Insure expertly selects packages from different insurance partners to provide only the best options tailored to your needs.

Affordable options are available for travelers aged up to 75 years.

Planning a four-day visit to Asia? Coverage for emergency medical treatment benefits of up to Php500,000 starts at Php350. Want more protection? Boost your coverage to Php1.5 million for just Php463. That’s a small price to pay for a big peace of mind.

Heading to the United States for 15 days? Enjoy up to Php1.5 million in emergency medical treatment for as low as Php917.

Planning to explore the Eiffel Tower in France? We’ve partnered with an accredited insurance provider whose plans are fully Schengen visa-compliant which is Php2.5M in Emergency Medical Treatment for as low as Ph1,749 for a 15-day trip.

Apart from these benefits, travelers can now opt in for a more comprehensive cover which includes emergency treatment of pre-existing conditions and extreme activities, reimbursement of rebooking fees, and additional benefit for first 4-hour delay and baggage delay for return flights.

For a more seamless experience, purchase your travel insurance in the Philippines at least four hours before your departure.

Next time you pack, remember to include peace of mind with an insurance package that lets you travel safely and enjoy every moment worry-free. BDO Insure Travel Insurance includes COVID-19 coverage, travel inconvenience benefits, and access to a 24/7 Emergency Travel Assistance Hotline.

Rente mit 70: Für diesen Jahrgang könnte die Änderung kommen

Stand:07.05.2025, 21:26 Uhr

Von: Max Schäfer

Das Rentensystem erfordert Veränderungen. Eine Möglichkeit wäre die "Rente mit 70", obwohl sie politisch kontrovers diskutiert wird. Welche Geburtsjahre wären hiervon betroffen?

Hamm – Die Rente ist Dauerthema der Politik, doch bisher traut sich niemand an die weitere Erhöhung des Rentenalters. Derzeit steigt es schrittweise bis 2031 auf 67 Jahre an. Wer 1964 oder später geboren ist, kann regulär erst dann in Rente. Es sei denn, die Betroffenen haben 45 Jahre gearbeitet und Beiträge gezahlt. Dann können sie mit 65 Jahren in den Ruhestand gehen. Ansonsten ist ein früherer Ruhestand nur mit Abschlägen möglich. 

Rente mit 70: Ökonomen machen Druck

Zudem wollen etwa Union und SPD, dass die Menschen freiwillig länger arbeiten. Das wollen sie etwa durch die Aktivrente erreichen. Wer neben der Rente arbeitet, kann bis zu 2000 Euro steuerfrei dazuverdienen. Eine feste Rente mit 70 ist jedoch nicht in Aussicht. Da fehlt der politische Wille. Doch einige Ökonomen drängen auf ein höheres Rentenalter. Dadurch soll die Zahl der Beitragszahler im Verhältnis zu den Rentnern stabil bleiben. 

Im Alter noch am PC: Nach Forderungen einiger Ökonomen soll das Rentenalter an die Lebenserwartung gekoppelt werden. (Symbolfoto) © Sebastian Gollnow/dpa

Als eine der Maßnahmen zur Stabilisierung der gesetzlichen Rente sieht der Sachverständigenrat Wirtschaft – umgangssprachlich Wirtschaftsweise – die Kopplung der Regelaltersgrenze an die Lebenserwartung vor. Auch das Ifo Institut in Dresden unterstützt diesen Ansatz. In einer Mitteilung von 2024 haben die Ökonomen die Niederlande als Vorbild genommen.

Rente mit 70 könnte in einem Modell ab 2070 kommen

„Wenn die Menschen drei Jahre länger leben, müssen sie zwei Jahre länger arbeiten und bekommen ein Jahr länger Rente“, heißt es in der Ifo-Mitteilung zur Methode in den Niederlanden. „Das Verhältnis von Rentnern zu Erwerbstätigen würde damit auch nach dem Jahr 2040 stabil bei rund 40 Prozent liegen und nicht auf fast 50 Prozent steigen, wie derzeit prognostiziert.“ 

Damit das Rentenalter von 67 Jahren ab 2031 auf 70 Jahre steigt, müsste die Lebenserwartung nach dieser Regel um 4,5 Jahre ansteigen. Das kann dauern.

Welche Jahrgänge wären zuerst von einer Rente mit 70 betroffen?

Derzeit liegt die durchschnittliche Lebenserwartung in Deutschland laut Statistischem Bundesamt bei 78,17 Jahren bei den Männern und 82,99 Jahre bei den Frauen. Damit ist sie zwischenzeitlich gesunken – zuvor war sie bei 78,33 und 83,18 Jahren. Dennoch: Abseits der Jahre der Corona-Pandemie zeigt die Entwicklung nach oben. Grob geschätzt steigt die Lebenserwartung um 0,1 pro Jahr.

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Damit würde die Lebenserwartung in 45 Jahren um 4,5 Jahre steigen. So könnten Personen aus dem Jahrgang 2003 zuerst von der Rente mit 70 betroffen seit, leitet das Portal Ruhr24 ab, das zuerst darüber berichtet hatte. Je nach Ausgestaltung könnte auch schon der Jahrgang 2000 betroffen sein. Für die heute 40-Jährigen, dem Jahrgang 1985, würde sich demnach erst bei einem Zuwachs der Lebenserwartung von 0,2 pro Jahr eine Rente mit 70 ergeben. Steigt die Lebenserwartung sogar um 0,3 Jahre, würde die Rente mit 70 demnach etwa 2040 eingeführt werden – somit wären Jahrgänge ab 1970 betroffen.

Anstieg der Lebenserwartung	Rente mit 70	Frühstmögliche betroffene Jahrgänge
0,1 Jahre	ca. 2070	2000
0,2 Jahre	ca. 2048	1978
0,3 Jahre	ca. 2040	1970

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Rente mit 70 könnte auch erst 2091 kommen – Jahrgang 2021 wären dann die ersten

Eine Alternative haben die Wirtschaftsweisen vorgeschlagen. Demnach würde das Rentenalter alle 20 Jahre um ein Jahr steigen. Ausgehend von 2031, wenn die Altersgrenze wirklich 67 Jahre erreicht, würde eine Rente mit 70 erst 2091 erreicht werden. Damit wäre der Jahrgang 2021 zuerst von der Rente mit 70 betroffen.

Der Rente-Newsletter: Wege in die Frührente

Wichtige Entwicklungen rund um Ihre Rente erhalten Sie wöchentlich am Mittwoch

Mit Klick auf den Button "Zum Newsletter anmelden" stimme ich den Datenschutzbestimmungen und dem Erhalt weiterer Medienangebote zu.

Das hängt jedoch von der konkreten Ausgestaltung ab, also ob beispielsweise die Anhebung im Vorfeld beschlossen wird. Zudem gibt es bei der Lebenserwartung Unsicherheiten, wie etwa Dämpfer durch Pandemien.