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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Tuesday, November 4, 2025

So stark erhöht die Grippe das Risiko für Herzinfarkt und Schlaganfall


Stand: 03.11.2025Lesedauer: 3 Minuten
Human heart attack, computer artwork.
Infektionen wie Grippe oder Corona können sich auf das Herz auswirkenQuelle: Getty Images/Science Photo Library RF/SEBASTIAN KAULITZKI

Herzinfarkt oder Schlaganfall nach der Grippe? Neue Zahlen zeigen, wie dramatisch manche Infektionen das Risiko für schwere Herz-Kreislauf-Erkrankungen erhöhen – und wie man sich effektiv schützt.   

Grippeviren und Coronaviren erhöhen Forschern zufolge kurz nach der Infektion deutlich das Risiko für akute Herz-Kreislauf-Erkrankungen. So steigt das Risiko eines Herzinfarkts oder eines Schlaganfalls nach einer Infektion mit einem Grippevirus auf das Vier- bis Fünffache.

Bei Sars-CoV-2 erhöht sich das Risiko eines Herzinfarkts oder eines Schlaganfalls jeweils auf etwa das Dreifache, wie ein Forschungsteam um Kosuke Kawai von der University of California in Los Angeles im Fachmagazin „Journal of the American Heart Association“ in einer Überblicksstudie berichtet. Andere Viren führen zu geringeren, aber längerfristigen Risiken.

Es ist inzwischen bekannt, dass Humane Papillomviren (HPV), Hepatitis-B-Viren und andere Viren Krebs auslösen können. „Der Zusammenhang zwischen Virusinfektionen und anderen nicht übertragbaren Krankheiten wie Herz-Kreislauf-Erkrankungen ist jedoch weniger gut verstanden“, wird Kawai in einer Mitteilung der American Heart Association zitiert.

Neue Regeln für Rentenbesteuerung: Wer profitiert am meisten?


Die Reform der Rentenbesteuerung bringt Änderungen. Doch nicht alle Jahrgänge profitieren gleichermaßen. Ein Überblick zur aktuellen Lage.

Die Besteuerung der Renten ist seit Jahren umstritten, besonders wegen der Gefahr einer Doppelbesteuerung. Neue Gesetze sollen diese beheben, doch die Umsetzung bleibt komplex. Einige Jahrgänge können spürbar entlastet werden, während andere kaum Vorteile haben. Experten haben die Auswirkungen der Reform analysiert und liefern erste Ergebnisse dazu, wer profitiert und wer weiterhin benachteiligt bleibt.   

Steuererklärung für das Finanzamt
Neue Regeln für Rentenbesteuerung: Wer profitiert am meisten? © Wolfilser/IMAGO

Die Regierung hat beschlossen, die Doppelbesteuerung der Renten durch das Wachstumschancengesetz zu vermeiden. Seit 2023 steigt der steuerpflichtige Rentenanteil jährlich nur noch um 0,5 Prozentpunkte, wodurch die volle Besteuerung erst 2058 erreicht wird. Laut Finanzmathematiker Werner Siepe profitieren die Jahrgänge 1975 bis 1980 am meisten. So können 1975 Geborene je nach Einkommen bis zu 23.522 Euro Steuervorteil erzielen, während die Jahrgänge 1960 und 1990 nur geringe Vorteile haben.   

Ratgeber Steuertipps – so sparen Sie im Alter richtig Geld

Unser kompakter Ratgeber bietet Ihnen die wichtigsten Tipps zum Thema Steuern sparen. Von Steuerfreibetrag bis zu Besteuerung im Ausland: Klicken Sie rein, dann haben Sie mehr auf Ihrem Konto. HIER können Sie das kostenlose PDF herunterladen.

Steuertipps für Rentnerinnen und Rentner: Alle wichtigen Infos finden Sie im Ratgeber.
Steuertipps für Rentnerinnen und Rentner: Alle wichtigen Infos finden Sie im Ratgeber. © IPPEN.MEDIA

Langfristige Auswirkungen der neuen Regelungen in der Rentenbesteuerung

Das Wachstumschancengesetz zielt darauf ab, die Belastung für Rentner sozialverträglicher zu gestalten. Die schrittweise Einführung verlängert die Übergangszeit, was den steuerfreien Anteil der Rente erhöht. Trotzdem gibt es weiterhin Doppelbesteuerungsfälle, insbesondere bei Selbstständigen und Alleinstehenden, da ihre Rentenbeiträge oft schon einmal versteuert wurden und im Ruhestand erneut besteuert werden.   

In einer von Werner Siepe durchgeführten Fallstudie von 2022 zeigt sich, dass die Jahrgänge unterschiedlich von den neuen Regelungen profitieren. Die Berechnungen basieren auf einer geschätzten jährlichen Steigerung des Besteuerungsanteils um 0,5 Prozent. Während die Jahrgänge 1975 und 1980 durch die verlängerte Übergangszeit Steuervorteile von bis zu 23.522 Euro erzielen können, sind die Auswirkungen für andere Jahrgänge weniger positiv. Die Jahrgänge 1960 und 1990 profitieren am wenigsten, mit einer Steuerersparnis von maximal 5.259 Euro. Kritiker betonen, dass diese Ersparnisse lediglich eine Korrektur früherer Benachteiligungen sind und nicht als echte Steuervorteile gelten.   

Die Reform ist ein Fortschritt, doch sie löst nicht alle Probleme. Einige Gruppen bleiben von der Doppelbesteuerung betroffen. Experten raten Rentnern, Steuerunterlagen und Rentenmitteilungen aufzubewahren, um im Fall von Streitigkeiten ihre Rechte zu sichern. Die Diskussion über eine faire Rentenbesteuerung wird wohl weitergehen, auch wenn erste Verbesserungen umgesetzt wurden. Auch interessant: Droht Deutschen im Ausland die Doppelbesteuerung? Wirbel um Papier aus dem Finanzministerium.

What problems did you face while living in Germany without being fluent in German?

 

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In everyday life, I honestly did not need German that much. My classmates were all from abroad so we spoke English among each other. The people at the bank, at the university, at the immigration office, at the phone company etc., all spoke some degree of English so none of the important things were ever an issue. I had university provided accommodation in the first two years, so I didn’t have to worry about that, but if I didn’t have a place to stay I guess that’s where I would need German the most.

The part where I started actively needing German was when I started applying for internships. I even applied in English at first. My would be supervisor at the time accepted the CV, however made it clear that I would need to speak German to be able to communicate with the other employees in the company, many of whom did not speak any English. With my Master Thesis, I was thankfully allowed to write it in English, but the rest of the time I spoke to my colleagues exclusively in German. To make an unnecessarily long story short, you definitely need to know some level of German in your professional life. But I promise you, with practice comes vast improvement.

Saturday, November 1, 2025

Waste spill at protected Tañon Strait widens

 

Waste spill at protected Tañon Strait widens 

Carla Gomez

BACOLOD CITYThe area at the Tañon Strait Protected Seascape polluted by the wastewater spill caused by a breached lagoon of a distillery company has increased to about 3,000 hectares, from the initial estimated 400-hectare affected site, the Environment Management Bureau-Negros Island Region (EMB-NIR) reported.

This developed as the Bureau of Fisheries and Aquatic Resources in Central Visayas (BFAR-7) has advised against collecting and consuming dead fish and other aquatic organisms from the affected coastal waters off Bais City and Manjuyod town in Negros Oriental.

Vicente Losbañes, EMB-NIR acting director, said that a boat survey conducted on Thursday of the strait’s discolored waters determined the increase in the affected area.


NATION REMEMBERS

 

Tropical depression forms east of Mindanao, to enter PAR as 'Tino' on November 2 — PAGASA

By Merlina Hernando-Malipot

Published Nov 1, 2025 08:30 am
A tropical depression has formed east of Mindanao and is expected to enter the Philippine Area of Responsibility (PAR) on November 2, 2025. (PAGASA)
A tropical depression has formed east of Mindanao and is expected to enter the Philippine Area of Responsibility (PAR) on November 2, 2025. (PAGASA)
The low-pressure area east of Northeastern Mindanao has intensified into a tropical depression, the Philippine Atmospheric, Geophysical and Astronomical Services Administration (PAGASA) announced on Saturday, November 1.
In its latest tropical cyclone advisory issued at 5 a.m., PAGASA said the center of the tropical depression was estimated at 1,430 kilometers east of Northeastern Mindanao, outside the Philippine Area of Responsibility (PAR), as of 4 a.m.
It currently packs maximum sustained winds of 45 kilometers per hour (km/h) near the center and gustiness of up to 55 km/h, moving westward at 15 km/h.
Once it enters the PAR, the weather disturbance will be given the local name “Tino.”
Forecast and possible track
According to PAGASA’s Tropical Cyclone Advisory No. 1, “Tino” is expected to enter PAR on Sunday, November 2, either in the morning or afternoon.
Afterward, it will move generally westward across the Philippine Sea, with a possible landfall over the Caraga or Eastern Visayas regions by Tuesday morning, November 4.
The system is forecast to cross the Visayas and Palawan between Tuesday and Wednesday (November 4–5) before emerging over the West Philippine Sea.
“Tino will continue to intensify while over the Philippine Sea and may reach typhoon category by Tuesday (November 4),” PAGASA said.
The highest possible alert level that may be raised is Tropical Cyclone Wind Signal (TCWS) No. 4, depending on the storm’s eventual strength and track.
“Further intensification prior to its landfall is not ruled out. Based on the intensity forecast, the highest wind signal that will be hoisted is Wind Signal No. 4,” the weather bureau added.
Early warnings and expected impact
While still outside PAR, PAGASA said the tropical depression is not expected to directly affect local weather or sea conditions within the next 24 hours.
However, Wind Signal No. 1 may already be hoisted over Eastern Visayas and Caraga by Sunday morning or afternoon.
Residents in these regions are advised to prepare for heavy rains starting Sunday evening or Monday morning, with gale warnings possibly in effect by Monday.
PAGASA urged the public, local government units, and disaster risk reduction offices to closely monitor official weather bulletins as “Tino” continues to develop.
“Considering these developments, the public and disaster risk reduction and management offices concerned are advised to continue monitoring for updates related to this tropical cyclone,” PAGASA said.

Quake victims in Davao Oriental receive aid


 

By Ivy Tejano

Published Oct 31, 2025 05:31 pm


DAVAO CITY – Around 1,000 food packs and boxes of brand-new clothes were distributed on Thursday, Oct. 30, to families affected by the recent earthquake in Manay town in Davao Oriental.

The relief operation was jointly organized by Davao City first district Rep. Paolo Duterte's office, in partnership with BRENT International School Manila and its humanitarian arm, BRENT CARES.

The distribution was held at the barangay hall of Barangay Central, Manay, and was led by Barangay Captain Kim Motalizon, who thanked the timely assistance extended to his community.

“We are deeply thankful for the help that came at a very crucial time for our residents who lost so much because of the earthquake,” Motalizon said.

Donated goods include food packs containing essential groceries and brand-new clothing items collected through the BRENT CARES donation drive, an outreach initiative spearheaded by BRENT ISM’s Green Earth Ambassador Club.

According to the organizers, the drive mobilized students, parents, and faculty members to gather much-needed relief supplies for disaster-affected communities in Mindanao.

The initiative brought immediate relief to thousands of displaced residents, offering both hope and comfort to families still recovering from the devastation.

Barangay officials and local volunteers assisted in ensuring the orderly distribution of aid so that every affected household received support.

Through this collaboration between a Metro Manila-based educational institution and Davao’s local public service network, the spirit of ‘’bayanihan’’ once again shone bright, proving that compassion and solidarity know no boundaries when Filipinos come together to help those in need.

Nation gears up for ‘Undas’

 

Nation gears up for ‘Undas’

Families and individuals visit their departed loved ones at the Valenzuela Public Cemetery in observance of All Saints’ Day and All Souls’ Day. (Photo by Santi San Juan)

Palace Press Officer and Communication Undersecretary Claire Castro said that agencies such as the Department of Social Welfare and Development (DSWD), the Department of Health (DOH), Department of Trade and Industry (DTI), and the Philippine National Police (PNP) have been directed to make the necessary preparations for the observance of All Saints’ Day and All Souls’ Day. Read more

The Land Transportation Franchising and Regulatory Board (LTFRB) said on Friday, Oct. 31, that it has intensified its complaint response operations to ensure commuter safety as millions of Filipinos head to provinces for the observance of All Saints’ Day and All Souls’ Day. Read more

Friday, October 31, 2025

Isha Ponti, Andrea Gutierrez ready to prove they’re ‘The Next Ones’

 


Isha Ponti, Andrea Gutierrez ready to prove they’re ‘The Next Ones’


Jerry Donato - The Philippine Star 

October 31, 2025 | 12:00am


Emerging artists Isha Ponti and Andrea Gutierrez come together for their first-ever concert, “The Next Ones,” on Dec. 13, 8 p.m. at the Music Museum. Isha is a singer-songwriter, while Andrea is a singer. Pop is the former’s choice of genre, and bossa nova is the latter’s.


Isha and Andrea promise music enthusiasts a showcase of their strengths and potential as performers and not a showdown.


Although both have already recorded and released songs, Isha and Andrea will introduce themselves and their music to the public. The show’s director is Calvin Neria, while the musical director is Adonis Tabanda.


“It’s mixed emotions,” said Andrea of her initial reaction upon learning of such a career endeavor in a recent chat with The STAR. “Siyempre, may takot po kasi first time namin gagawin ‘to and then siyempre, happy and thankful (of course, there’s fear because we will be doing this for the first time and then there are feelings of happiness and gratefulness).”



As for Isha, she agreed to the idea because it’s “like a way for us to pave (the) way for other artists because we started out as front acts and guests. Sila naman po yung i-ni-encourage ngayon (they are the ones being encouraged to share and show their talents this time).”


Isha was referring to their singer-friends who, like them, carry on in chasing their singing dreams.


The two Pinay singers got to know each other when they attended voice lessons. They also participated in the same singing competition, “Asia’s Best,” and became grand champions. Years ago, they met again and graced shows of Original Pilipino Music (OPM) artists such as Marco Sison and Nonoy Zuñiga. And another OPM legend and songwriter, Rey Valera, will also grace their concert.


“There are duets and production numbers,” said Andrea about what the audience can look forward to aside from the solo segments. “And the songs that we haven’t sung before, we’ll get to do them.” As front acts, their choices of songs were limited and based on the show’s theme.



Isha added that they’re “more on modern” songs, but old tunes are also part of their repertoire. They will give them a contemporary touch.


According to director Calvin, the concept for “The Next Ones” is to showcase the artists’ versatility, “but I also want the people or their audience to get to know them through their music and genres.” With that, the show will be somehow story-driven, which means “there’s a takeaway” after one watches it, added he. “The main focus is their artistry and the repertoire. There are more than 17 songs.”


They might also sing songs of their music influences. Isha said she has grown up listening to the records of Sarah Geronimo, Kyla, Nina, Regine Velasquez and Sharon Cuneta. Andrea likes Lani Misalucha and Sitti, the local recording scene’s Queen of Bossa Nova.


Andrea has recently launched the ditty, Mestizong Gwapo. The most recent singles of Isha, on the other hand, are Dyahe and You Loved Me First. She has two more to release this year: They are Kabanata and Kung Maalaala Mo Ako.


After “The Next Ones,” they see themselves recording new songs, releasing an album and topbilling shows, plus content on their social media platforms.


“I do my storytelling when it comes to the songs I write, the lyrics I write,” Isha gave her two cents on singers as storytellers. “With the sounds, you can feel the emotions through sounds. When you like interlock all of them, it becomes (or they produce) a whole story that people can interpret and they can feel a lot of emotions, a lot of meaning behind it.”


“From there, I’d also see myself as a storyteller. I feel like it’s because of the way other artists deliver their performance or music (that also makes them a storyteller),” added she.


That’s why Andrea needs to “feel the emotions, the story (of the song). Minsan, diba, kapag na-a-areglo, nawawala yung essence nung song (sometimes, the song arrangement affects its essence). I want to feel the lyrics and the story.”


Since their show is timed during Christmas season, they consider it their gift to family, friends and fans and those people who believe in and trust them.


As they unwrap the musical gift, Isha and Andrea will show what they’ve got as artists in “The Next Ones.”


They are also game to the idea of guesting in the OPM countdown show, “Vibe,” on TV5, which airs weekdays, weeknights and weekends. They can talk about their songs, music and journey as artists in the segment “Uprising.”


For ticket inquiries, visit https://premier.ticketworld.com.ph/shows/show.aspx?sh=NEXTONES25.