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!

free counters

Sunday, December 10, 2023

Gardening whatever, wherever:

Davaoeña who started container gardening in apartment now owns urban farm business


By BENJAMIN SARONDO

Most Filipinos love to plant on a farm, in their backyard, inside their house, and in many other places. Some own their land, while others rent just to pursue their passion for farming.

Jess Muñoz Paderna, 33, owner of Ssagel’s Garden, started her gardening journey in her rented apartment in Davao City. “Ever since, my husband and I dreamed of having a garden, but we were not able to pursue this dream,” she said in Taglish. 

1.jpg
Jess Muñoz Paderna, 33, is the owner of Ssagel’s Garden, an herb and vegetable garden that started in 2021. She started her gardening journey in her rented apartment in Davao City. (Jess Muñoz Paderna)

Ssagel’s Garden is an herb and vegetable garden that started in 2021. What made Jess pursue building her own garden was a scarcity of lettuce supplies at a church where they usually buy them. “In 2020, at a church where we always visit, they sold lettuce. But one time, they did not have harvests, and there I realized that to avoid scarcity with the supply of lettuce, we would grow it in our own garden.”

Jess recalled that the unavailability of garden space in her rented apartment did not stop her from gardening; she started growing vegetables, such as spinach, tomatoes, cabbages, and many more, in a container with the help of her husband. “Our main goal is to grow vegetables we can enjoy in our meals. We want a garden that can provide us with fresh produce.”

Jess admitted that she struggled before having her own garden, but currently, she owns her own garden space with a greenhouse where she grows lettuce, onions, radish, string beans, basil, chives, rosemary, sweet corn, strawberries, cucumber, tomatoes, lemon, and many more.

Her journey as gardener 

Jess was very dedicated to starting her own garden since she learned about gardening even before having her own garden space. “I learned from watching videos online about gardening,” she said. But what’s most important, according to Jess, is to apply all the learning in an actual garden to have first hand experiences and adjust the techniques depending on the success rate of each. 

Before establishing her garden, Jess said that she first assessed all the resources available near her area, which helped her minimize her costs. “I asked myself if the lot would be enough and effective to grow vegetables, and if there was sun exposure and water supply, especially since I planned to use a hydroponic system.”

5.jpg
To save money, Jess said that instead of buying packed seeds from the grocery and hardware stores, she collected the seeds from consumed fruits and vegetables. (Jess Muñoz Paderna)

Jess stated that she purchased garden soil because the soil in the area is not good for the vegetables. Also, instead of buying packed seeds, she said that seeds from consumed fruits and vegetables should be kept and planted instead.

Since all of her needs were available, Jess proceeded to plan the garden layout and the plants she would grow. She said that this is important to maximize the space in her garden. Then she started planting vegetables, but she first planted the vegetables that were easy to grow and that her family enjoyed eating.

4.jpg
Some of the harvested herbs and vegetables from Ssagel’s Garden. (Jess Muñoz Paderna)

Diverse gardening

What is unique about our garden is our diverse approach to growing food. We do hydroponics, raised beds, and container gardening,” Jess said. 

2.jpg
What is unique about our garden is our diverse approach to growing food. We do hydroponics, raised beds, and container gardening,” Jess said. (Jess Muñoz Paderna)

She stated that she spent a lot of money on her hydroponics setup since she decided to have a greenhouse constructed and purchase materials to grow lettuce and other vegetables through this system. “But for the raised beds and container gardening, we only spent a small amount of money.”

3.jpg
Jess waters her plants in a raised bed. She said that she only spent a small amount of money on this setup. (Jess Muñoz Paderna)

Also, the method she applies to her garden, considering the costs, is the in-ground gardening approach, where she directly plants the seeds in the soil. This method provides versatility and  allows her to maximize her garden space.

Jess added that the seeds and soil she uses in her garden can be purchased at hardware stores and grocery stores. “Each pack of seeds can cost around 60 to 80 pesos, while the garden soil per sack is 100 pesos.” Also, she said that she spent 500 pesos to buy African night crawlers for a constant supply of vermicast.

Growing together

To ensure that the seeds they plant will grow, she stated that she uses different planting techniques.

6.jpg
Jess highlights the importance of planning the garden layout and the plants she would grow. She said that this is important to maximize the space in her garden. (Jess Muñoz Paderna)

One is intensive planting, a method where she plants two different kinds of vegetables near each other that have different growing seasons and durations of growth. This method can minimize wasted space. 

Also, she does companion planting, where she plants vegetables that grow in the same season and work together in terms of size and duration. Jess said that she does this planting technique with cucumber and lettuce, cabbage and radish, onion leaves, okra, and many more.

Lastly, there is planting by batch. “For example, if we have a pack of radish seeds, we do not plant the seeds simultaneously. At first, we only plant 10 seeds, and when we harvest them, we wait for two to three weeks until we plant another batch of seeds,” Jess stated.

Gardening routine

Jess stated that she is used to her tasks in the garden since she follows a particular routine for gardening. She starts with planting the seeds, transplanting, fertilizing, watering, monitoring, and harvesting.

7.jpg
Jess stated that she is used to her tasks in the garden since she follows a particular routine for gardening. She starts with planting the seeds, transplanting, fertilizing, watering, monitoring, and harvesting. (Jess Muñoz Paderna)

Also, she is the one who decides what vegetables they will grow in a particular space in the garden area.

But when her son started attending school, Jess admitted that she could not focus on the garden. That is why she hired someone who would accomplish the tasks in the garden while she was spending time with her family. “To maintain the garden, I hired someone to do the tasks that I would be unable to do.”

Since infestation is a challenge in gardening, Jess makes sure that there will always be someone who will monitor the quality of the vegetables and fruits. In addition, to overcome this problem, she said that she increased the biodiversity in the garden. “We planted different plants and crops that can attract beneficial insects and animals.” She added that at first, she thought that birds were a kind of pest, but then she realized that these birds helped her get rid of small insects that damaged her harvests. 

“Gardening is beautiful and rewarding.”

Jess hopes that more people will be interested in gardening since it will benefit not only one’s physical health but also their mental health. “For me, gardening is very important, and it is my break from the busy city life. In a garden, you can find time to slow down and be at peace.” 

Jess said that gardening broadened her connection with other people and nature. She also learned that she can get inspiration from other gardeners on ways and techniques she can apply to her own garden.

8.jpg
She continues container gardening, which she started while living in an apartment, in her current garden. (Jess Muñoz Paderna)

She also considers it a good business because, aside from making money from planting fruits and vegetables, she can also serve her nutritious harvests to her family. “I love cooking, and it is very helpful that the ingredients I need are accessible in my own garden.” 

She said that those who want to start gardening must start small and enjoy every step. Document everything from planting to harvesting to be reminded of the progress and fulfillment of every harvest.

Photos by Jess Muñoz Paderna

 

𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀 𝘄𝗶𝗻𝘀 𝗪𝗼𝗿𝗹𝗱'𝘀 𝗟𝗲𝗮𝗱𝗶𝗻𝗴 𝗕𝗲𝗮𝗰𝗵 𝗗𝗲𝘀𝘁𝗶𝗻𝗮𝘁𝗶𝗼𝗻

Friday, December 8, 2023

Find inspiration from Immaculate Conception narrative — Marcos

 

Find inspiration from Immaculate Conception narrative — Marcos


​President Marcos on Friday, Dec. 8, urged Filipinos to draw inspiration from the narrative of the Immaculate Conception in overcoming limitations.

Marcos also called on the faithful to find inspiration in gathering strength as well as to fortify their Christian faith by sharing blessings to the poor and marginalized.

"During these challenging times for our country, let us draw inspiration from the narrative of the Immaculate Conception as we overcome our limitations and draw on our strengths to see the world with grateful hearts and explore the deep meaning of our purpose in life," the President said in his message during the observance of the Feast of the Immaculate Conception of Mary. 

"May this auspicious occasion allow us to fortify our Christian faith and inspire our fellow faithful to share our blessings to the poor and marginalized as a way of perpetuating peace, generosity, and kindness around us," he added.

Marcos also asked Filipinos to fervently pray for the continued guidance of the Lord Almighty and the intercession of the Blessed Virgin Mary for the building of the "Bagong Pilipinas" (new Philippines) that the country aspires for.

The feast of the Immaculate Conception is the belief that Mary was free of original sin from the moment of her conception.

The observance of the feast began with a Papal encyclical by Pope Pius IX when he formally defined the dogma of the Immaculate Conception, Ineffabilis Deus, on December 8, 1854.

Let’s go digital, but beware of scammers

BY MANILA BULLETIN


E CARTOON DEC 8, 2023 (1).jpg

Nowadays, digital technology is the “in thing.”


The traditional way we live and work that we were used to may soon be of no consequence. 


And the shift to digital technology was further hastened by the Covid-19 pandemic. With governments around the world limiting movements in a bid to arrest the spread of the viral disease, everyone and everything had to turn to digital technology. We virtually lived in cyber space at the height of the pandemic — we worked, shopped, did banking transactions, and many more the digital way. 


But the convenience and efficiency that digital technology offers may have far-reaching implications — it has its advantages and disadvantages.


It has enhanced access to information and made communication more efficient. It has streamlined processes through automation, whether in business or personal concerns. Through automation, gone are the traditional manual processes. This meant less manpower. In short, digital technology has revolutionized our way of life — whether at home, at work, or in the community.


Despite its various advantages, digital technology has its own disadvantages. While it has transformed our way of life, much to our advantage, it has likewise revolutionized the way scammers and other criminal elements operate.


Breaches in our data have scaled up, more people are becoming victims of scammers — an unprecedented number never seen before the advent of technology. In the Philippines, these criminal activities intensify during special occasions, like the Christmas season.


This is why the launch of the “Holiday Watch PH” campaign on Dec. 5, 2023, is a welcome development.


The anti-scam campaign — launched by Scam Watch Pilipinas, a project of Manila Bulletin and Truth360, and the Cybercrime Investigation and Coordinating Center (CICC), an attached agency of the Department of Information and Communications Technology (DICT) — is an awareness initiative to help keep the public vigilant against criminal elements during the Christmas season and beyond.


In support of this public awareness drive, we are sharing the “12 scams of Christmas” discussed at the launch of the Holiday Watch PH campaign.


The 12 scams of Christmas are: fake shipping or delivery notification, which involves emails or text messages that appear to come from legitimate shipping companies that seek personal information such as addresses and phone numbers; fake online charity scam used to solicit donations via messages or emails; fake shopping websites which tempts would-be victims to links used for phishing; fake online sellers seeking payment in advance and not delivering goods paid for; free trial scams; fake Christmas gift card schemes; tech support scams; investment schemes that seek processing fees; cryptocurrency scam; foreign exchange investment scams that promise high returns; dating scams in which scammers seek monetary considerations; and loan scams promising quick cash. 


Now, let’s all go digital but remain vigilant so you won’t fall prey to scammers and other criminal elements.
 

Does German have English words?

 

Profile photo for Steven Haddock
Steven Haddock
Compliance Officer
55,855 followers
36 following

Insufferable know-it-all, mostly law, science, politics and Canadian football.


In one of the strangest examples of linguistic divergence in history, English, which is based on old German, has pretty much completely diverged from German to the point where only basic vocabulary terms are shared. Although most of the most common 5,000 English words are based on old German (including Mouse, House and Hound), when you get to vocabulary that developed after about 1100 C.E., the two vocabularies diverge wildly.

That’s largely because German and other languages based on it (the Scandinavian ones) form new words by compounding - taking existing words and stitching them together.

Swine + Flesh = Swineflesh

But English stopped doing that for new words and started introducing French words into its vocabulary

Old French Porc = Middle English Pork.

Well into the 20th century, this trend continued

Collar + Bone = Collarbone (German)

Latin Clavicle = Modern English Clavicle.

But this made many German words unwieldy.

Stroke + Screw = Strokescrew (German)

Greek Spiral + Wing = English Helicopter

Nature + Shaft = Natureshaft (German)

Latin Knowledge = English Science

As such, German has replaced some of its vocabulary with English where it’s easier (like “telephon”). However, it’s rare and rather scattershot. There might be just over a hundred English words that have been commonly incorporated into the language. Unfortunately, they don’t always mean the same thing:

HANDY - English adjective meaning “convenient”. German uses it as a noun for a mobile phone (i.e. like “cell” or “mobile”)

OLDTIMER - English for “elderly person”. German for “Classic Automobile”.

SMOKING - English for “using cigarette, cigar or pipe”. German for “Dinner Jacket” or “Tuxedo”. In English, a “Smoking Jacket” is quite different - a thick jacket designed to keep smoke off your clothes.

BODYBAG - English for a bag used to store dead bodies. In German, it’s a large messenger bag that’s slung over the shoulder with a single strap.

SHOOTINGSTAR - Informal English for “meteor”. German for “suddenly famous person”.

PUBLIC VIEWING - English for “private property that is available for public display, such as a house for sale”. In German it’s “large television screen in a public place.

Thursday, December 7, 2023

Meteor showers to be observed in December — PAGASA

BY LIZST TORRES ABELLO


Geminid and Ursid meteor showers will light up the December skies, the Philippine Atmospheric, Geophysical and Astronomical Services Administration (PAGASA) said in its monthly astronomical diary.

PAGASA said the Geminid meteor shower will be active from Dec. 4 to 17, with the peak occurring on Dec. 15.

figure8png_65630c3af11bd.PNG
The view of the northwestern sky during the peak of Geminids on 15 December at 3 a.m. when the shower radiant is already up in the sky and represented by the green solid circle (PAGASA)

The Geminids may produce up to 150 meteors per hour during its peak activity, which will occur at 3 a.m. on Dec. 15. 

"The meteor shower will reach its peak near the time of the new moon, presenting minimal interference from moonlight," PAGASA said.

It said when the constalletion, Gemini or the "twins" rises above the eastern horizon, Geminids will be visible at 7:13 p.m.

"It most likely to put on spectacular displays at around 2 a.m. when its radiant point is highest in the sky," PAGASA added.

Meanwhile, the Ursid meteor shower will be active from Dec. 17 to 26, with the peak occurring on Dec 23.

figure9png_65630c3eef520.PNG
The view of the northern sky after the peak of Ursid on 23 December at 05:00 a.m. when the shower’s radiant is already up in the sky and represented by the green solid circle. (PAGASA) 

Wichtige Änderungen in der Rentenversicherung zum 1. Januar 2024



Datum: 04.12.2023


Zum Jahresbeginn 2024 ergeben sich in der Rentenversicherung verschiedene Änderungen. Darauf weist die Deutsche Rentenversicherung hin.


Beitragssatz bleibt stabil


Keine Änderung gibt es beim Beitragssatz zur gesetzlichen Rentenversicherung. Dieser bleibt auch im kommenden Jahr stabil und beträgt weiterhin 18,6 Prozent.


Reguläre Altersgrenze steigt auf 66 Jahre


Auf 66 Jahre steigt zu Beginn des nächsten Jahres die reguläre Altersgrenze. Dies gilt für Versicherte, die 1958 geboren wurden. Für diejenigen, die später geboren wurden, erhöht sich das Eintrittsalter in 2-Monats-Schritten weiter. 2031 ist dann die reguläre Altersgrenze von 67 Jahren erreicht.


Altersgrenze für „Rente ab 63“ steigt


Bei der als „Rente ab 63“ bezeichneten Altersrente für besonders langjährig Versicherte steigt die Altersgrenze für 1960 Geborene auf 64 Jahre und 4 Monate. Für später Geborene erhöht sich das Eintrittsalter weiter, bis 2029 die dann gültige Altersgrenze von 65 Jahren erreicht sein wird. Die abschlagsfreie Altersrente für besonders langjährig Versicherte kann in Anspruch nehmen, wer mindestens 45 Jahre in der gesetzlichen Rentenversicherung versichert war. Eine vorzeitige Inanspruchnahme, auch mit Abschlägen, ist für diese Rentenart nicht möglich.


Abschlag bei neuen „Renten für langjährig Versicherte“ steigt weiter


Wer mindestens 35 Jahre in der gesetzlichen Rentenversicherung versichert war, kann ab einem Alter von 63 Jahren die Altersrente für langjährig Versicherte in Anspruch nehmen. Die Altersrente ist mit einem Abschlag verbunden. Dieser beträgt 0,3 Prozent je Monat, den die Rente vor Erreichen des regulären Rentenalters in Anspruch genommen wird. Da das reguläre Rentenalter bis 2031 schrittweise auf 67 Jahre steigt, steigt auch der Abschlag bei frühestmöglicher Inanspruchnahme dieser Rente. Für Versicherte des Jahrgangs 1961, die im kommenden Jahr 63 werden, liegt das reguläre Rentenalter bei 66 Jahren und 6 Monaten; bei einem frühstmöglichen Rentenbeginn mit 63 Jahren beträgt der Abschlag 12,6 Prozent. Für Versicherte des Jahrgangs 1960 lag der Abschlag noch bei maximal 12,0 Prozent.


Hinzuverdienstgrenzen für Renten wegen Erwerbsminderung steigen


Die Hinzuverdienstgrenzen für Renten wegen verminderter Erwerbsfähigkeit steigen 2024. Beim Bezug einer Rente wegen teilweiser Erwerbsminderung ergibt sich ab Januar eine jährliche Mindesthinzuverdienstgrenze von 37.117,50 Euro, bei Renten wegen voller Erwerbsminderung sind es 18.558,75 Euro.


Verbesserte Absicherung bei Erwerbsminderung


Die Höhe einer Erwerbsminderungsrente berechnet sich aus den bisher zurückgelegten Versicherungszeiten. Zusätzlich werden erwerbsgeminderte Menschen durch die sogenannte Zurechnungszeit so gestellt, als hätten sie mit ihrem bisherigen durchschnittlichen Einkommen weitergearbeitet und Beiträge gezahlt. Dadurch erhalten sie eine höhere Rente. Seit 2019 wird der Umfang der Zurechnungszeit an das reguläre Rentenalter angepasst. Dieses steigt bis 2031 schrittweise auf 67 Jahre. Bei einem Rentenbeginn im kommenden Jahr endet die Zurechnungszeit daher statt mit 66 Jahren mit 66 Jahren und 1 Monat.


Beitragsbemessungsgrenzen und Bezugsgrößen steigen


Die Beitragsbemessungsgrenze in der Rentenversicherung steigt 2024 in den alten Bundesländern von monatlich 7.300 Euro auf 7.550 Euro und in den neuen Bundesländern von monatlich 7.100 Euro auf 7.450 Euro. Sie bestimmt den Höchstbetrag, bis zu dem Arbeitseinkommen bei der Berechnung des Rentenversicherungsbeitrags berücksichtigt wird. Für darüberhinausgehendes Einkommen werden keine Beiträge gezahlt.


Die Bezugsgröße steigt 2024 in den alten Bundesländern von 3.395 Euro auf 3.535 Euro im Monat. Die Bezugsgröße (Ost) steigt in den neuen Bundesländern von 3.290 Euro auf 3.465 Euro im Monat. Sie hat unter anderem für die Beitragsberechnung von versicherungspflichtigen Selbstständigen in der Rentenversicherung eine Bedeutung.


2024 wird das letzte Jahr mit unterschiedlichen Beitragsbemessungsgrenzen und Bezugsgrößen für die alten und die neuen Bundesländer sein. Ab 2025 gelten eine einheitliche Beitragsbemessungsgrenze und eine einheitliche Bezugsgröße in West- und Ostdeutschland.


Freiwillige Versicherung: Mindest- und Höchstbeitrag steigen


Der monatliche Mindestbeitrag für die freiwillige Versicherung in der gesetzlichen Rentenversicherung steigt ab 1. Januar 2024 von 96,72 Euro auf 100,07 Euro. Der Höchstbetrag steigt von 1.357,80 Euro auf 1.404,30 Euro im Monat. Freiwillige Beiträge zur gesetzlichen Rentenversicherung können alle Menschen zahlen, die ihren Wohnsitz in Deutschland haben, mindestens 16 Jahre alt sind und in der gesetzlichen Rentenversicherung nicht pflichtversichert sind. Unter den genannten Voraussetzungen ist die Zahlung freiwilliger Beiträge für Deutsche mit Wohnsitz im Ausland ebenfalls möglich. Ausgeschlossen von der freiwilligen Versicherung sind Personen, die die Regelaltersgrenze erreicht haben und eine volle Altersrente beziehen. Für die freiwillige Versicherung gelten in den alten und neuen Bundesländern keine Unterschiede.


Minijob-Grenze steigt von 520 Euro auf 538 Euro


Die monatliche Verdienstgrenze im Minijob – auch Minijob-Grenze genannt – steigt 2024 von 520 Euro auf 538 Euro. Sie ist dynamisch und orientiert sich am Mindestlohn. Da sich der Mindestlohn im kommenden Jahr von 12 Euro auf 12,41 Euro erhöht, steigt auch die Minijob-Grenze.


Midijob: Untergrenze für Beschäftigungen im Übergangsbereich steigt


Die Untergrenze für Verdienste aus Beschäftigungen im sogenannten Übergangsbereich steigt im kommenden Jahr von monatlich 520,01 Euro auf 538,01 Euro. Die Obergrenze bleibt unverändert bei 2.000 Euro im Monat. Beschäftigte, die regelmäßig zwischen 538 Euro und 2.000 Euro verdienen, gelten als Midijobber. Bei einem Verdienst innerhalb dieses Übergangsbereichs zahlen sie einen reduzierten Beitragsanteil zur Sozialversicherung, der bis zum Erreichen der Obergrenze von 2.000 Euro steigt und erst dann der vollen Beitragshöhe entspricht. Die Rentenansprüche vermindern sich durch den reduzierten Beitragsanteil nicht. Sie werden auf Basis des vollen Verdienstes berechnet.


Höherer Steueranteil für Neurentner


Wer 2024 neu in den Ruhestand geht, muss einen höheren Anteil seiner Rente versteuern. Ab Januar 2024 steigt der steuerpflichtige Rentenanteil von 83 auf 84 Prozent. Somit bleiben 16 Prozent der ersten vollen Bruttojahresrente steuerfrei. Bestandsrenten sind hiervon nicht betroffen.


Der Gesetzgeber beabsichtigt, den steuerpflichtigen Rentenanteil rückwirkend ab 2023 nur noch in Schritten von jeweils einem halben Prozentpunkt zu erhöhen. Das entsprechende Gesetzgebungsverfahren ist derzeit allerdings noch nicht abgeschlossen.


Mit Wohn-Riester die Heizung sanieren


Am 1. Januar 2024 tritt das „Heizungsgesetz“ (Gebäudeenergiegesetz) in Kraft. Besitzer einer selbst genutzten Wohnimmobilie haben dann die Möglichkeit, Guthaben aus Riester-Verträgen („Wohn-Riester“) für den Einbau einer Wärmepumpe zu nutzen. Anträge auf Nutzung eines Riester-Guthabens können ab dem 1. Januar 2024 bei der Zentralen Zulagenstelle für Altersvermögen (ZfA) der Deutschen Rentenversicherung Bund gestellt werden.