A German Expat in The Philippines - Ein deutscher Auswanderer auf den Philippinen

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!

Wednesday, January 28, 2026

Gen Z superstar Belle Mariano continues to uplift young lives as World Vision ambassador

By MBrand

There is power in using fame and influence for good. Gen Z superstar knows this all too well as she continues to support , a Christian humanitarian organization. Now in her second year as its ambassador, the in-demand star hopes to help raise awareness of the organization’s mission to create a world where every child can live life to the fullest.

Belle Mariano

Belle became known as a chart-topping singer and a versatile young actress who starred in lead roles for hit shows such as and . But her role as an ambassador is one that she holds close to her heart, using her platform to raise awareness of the needs of the most vulnerable children.

“I have long been passionate about supporting important causes that help empower children, especially young girls,” noted Belle. “So it’s an honor that I still get to be part of World Vision’s goal of helping children access their basic rights, such as education, protection, and opportunities to thrive.”

Previously, Belle initiated various activities with World Vision. For her 23rd birthday last year, she celebrated with 50 World Vision-supported children in , some of her active fan base, and World Vision staff led by World Vision National Director in the Philippines, . The celebration included getting to know the community better, games, and making and trading friendship bracelets to commemorate the fun-filled day. The children, along with their parents, went home with treats from Belle, including school supplies, hygiene items, and other essentials, boxes of donuts, and sacks of rice.

Aside from the meaningful birthday celebration, Belle also treated at least 15 children to a storytelling session. The children are part of , World Vision’s reading remedial program that fosters a love of reading among Filipino children.

Last year, Belle also engaged in the #GirlsCan campaign and participated in was held in , even amidst the storm season.

World Vision National Director in the Philippines, Dr. Herbert Q. Carpio, stressed that Belle’s reach can inspire many more Filipinos to support the organization’s campaigns that bring hope, joy, and justice to Filipino children. He shared, “Belle’s presence brings fresh inspiration to World Vision’s mission. We’re excited to continue working hand-in-hand with her, hoping that we can encourage many more Filipinos to sponsor kids so that they may

achieve their full potential.”

World Vision works with families, communities, and partners to ensure that children grow up healthy, are educated for life, experience the love of God and their neighbors, and are cared for, protected, and able to participate fully in their communities. Through this holistic, community-based approach, the organization aims to address the root causes of poverty and transform lives.

For more updates on World Vision and its programs, visit the at www.worldvision.org.ph and follow ’ official social media pages: @worldvisionph on Facebook and Twitter, and @worldvisionphl on Instagram.

Rente kompakt: Das ändert sich 2026 für Rentnerinnen und Rentner

Stand:23.01.2026, 17:07 Uhr

Von: Wolfgang Thomas Walter

Ehepaar im Ruhestand sitzt auf Sofa — Im Alter entspannt die Rente genießen – 2026 gibt es so einige Überraschungen. © IMAGO Images/imageBROKER/Oleksandr Latkun

2026 gibt es zahlreiche gesetzliche Änderungen bei der Rente in Deutschland. Diese betreffen sowohl aktuelle Rentner als auch künftige Bezieher.

Das Positive zuerst: Nach aktuellen Prognosen der Bundesregierung können deutschlandweit alle Rentnerinnen und Rentner zum 1. Juli 2026 mit einem deutlichen Plus ihrer monatlichen Bezüge rechnen. Die Schätzungen liegen derzeit bei einer Erhöhung von rund 3,7 Prozent. Der endgültige Wert wird allerdings erst im Frühjahr 2026 auf Basis der Lohnentwicklung festgelegt.

Späterer Renteneintritt: Höhere Altersgrenzen bei der Rente

Weniger schmeichelnd: Das gesetzliche Renteneintrittsalter steigt auch 2026 weiter an. Gemäß der stufenweisen Anhebung erhöht sich die Grenze der Regelaltersrente für den Geburtsjahrgang 1960 auf 66 Jahre und vier Monate. Bei Renten für besonders langjährig Versicherte gilt künftig: Wer 45 Beitragsjahre erreicht hat (Jahrgang 1962), kann ab 2026 mit 64 Jahren und 8 Monaten abschlagsfrei in den Ruhestand gehen.

Gratis für Sie: Der große Renten-Ratgeber

So holen Sie das meiste aus Ihrer Rente. Versteckte Fehler vermeiden. Dies und viele Tipps von Renten-Profis finden Sie in unserem kostenlosen Ratgeber.

Laden Sie sich HIER den Ratgeber kostenlos als PDF herunter

Laden Sie sich den Renten-Ratgeber kostenlos als PDF herunter. © IPPEN.MEDIA

Eine wesentliche Änderung betrifft zudem Menschen mit Schwerbehinderung. Für alle Geburtsjahrgänge ab 1964 endet im neuen Jahr der bisherige Vertrauensschutz. Eine abschlagsfreie Rente ist für sie somit erst ab dem 65. Lebensjahr möglich. Zwar ist ein früherer Renteneintritt ab 62 Jahren weiterhin möglich – allerdings müssen Betroffene dann mit dauerhaften Abschlägen von bis zu 10,8 Prozent rechnen.

Rente 2026: Das ändert sich bei Steuern und Abgaben

Wer im neuen Jahr erstmals seine wohlverdiente Rente bezieht, muss sich auf einige Neuerungen einstellen. Dies betrifft sowohl steuerliche Aspekte als auch mögliche Abgaben bei höheren Einkommen.

Höherer Steueranteil: Für alle Neurentner des Jahres 2026 steigt der steuerpflichtige Anteil der Renteneinkünfte um einen weiteren halben Prozentpunkt auf 84 Prozent. Somit bleiben künftig nur mehr 16 Prozent der ersten vollen Bruttojahresrente steuerfrei.

Neue Aktivrente: Seit 1. Januar 2026 können Rentnerinnen und Rentner mit der Aktivrente über die Regelaltersgrenze hinaus arbeiten und bis zu 2.000 Euro pro Monat steuerfrei hinzuverdienen. Sozialabgaben werden hier dennoch fällig.

Beiträge für Gutverdiener: Die Beitragsbemessungsgrenze in der Rentenversicherung steigt im neuen Jahr auf 8.450 Euro pro Monat. Bis zu einem Jahreseinkommen von 101.400 Euro bedeutet dies für Besserverdienende künftig höhere Abgaben.

Beitragszahler können aufatmen: Beitragssatz bleibt 2026 stabil

Der Beitragssatz zur gesetzlichen Rentenversicherung bleibt stabil: Bereits seit neun Jahren in Folge liegt er bei 18,6 Prozent, in der knappschaftlichen Rentenversicherung beträgt er 24,7 Prozent.

Minijob und Pflege: Weitere Neuerungen bei der Rente 2026

Minijobs: Ab Juli 2026 können Minijobber eine einmal gewählte Befreiung von der Rentenversicherungspflicht künftig wieder rückgängig machen.

Private Pflegeversicherung: Für privat versicherte Rentnerinnen und Rentner steigen die Beiträge zur Pflegepflichtversicherung ab 2026 im Schnitt um rund 16 Prozent.

Tuesday, January 27, 2026

ARE YOU ALONE?

Studies show the ability to tolerate alone time has been linked to increased happiness, better life satisfaction, and improved stress management. People who enjoy alone time experience less depression.

Short-term tips to get you started to avoid comparing yourself to others are easy to be said:

Take a step back from social media. …
Take a phone break. …
Carve out time to let your mind wander. …
Take yourself on a date. …
Get physical. …
Spend time with nature. …
Lean into the perks of being alone.

I can be a reluctant socializer. I’m sometimes secretly pleased when social plans are called off. I get restless a few hours into a hangout. Maybe, I’ll not be invited any more. Or not so often… . I even once went on a free 10-day silent meditation retreat – not for the meditation, but for the silence.

So I can relate to author Anneli Rufus, who recounted in Party of One: The Loners’ Manifesto: “When parents on TV shows punished their kids by ordering them to go to their rooms, I was confused. I loved my room. Being there behind a locked door was a treat. To me a punishment was being ordered to play Yahtzee with my cousin Louis.”
Several years ago in one of my write-ups, I wrote about loneliness or in other words splendid isolation.

Asocial tendencies like these are often far from ideal. Abundant research shows the harms of social isolation, considered a serious public health problem in countries that have rapidly ageing populations (though talk of a ‘loneliness epidemic’ may be overblown). In the UK, the Royal College of General Practitioners says that loneliness has the same risk level for premature death as diabetes. Strong social connections are important for cognitive functioning, motor function and a smoothly running immune system.

This is especially clear from cases of extreme social isolation. Examples of people kept in captivity, children kept isolated in abusive orphanages, and prisoners kept in solitary confinement all show how prolonged solitude can lead to hallucinations and other forms of mental instability.

But these are severe and involuntary cases of loneliness. For those of us who just prefer plenty of alone time, emerging research suggests some good news: there are upsides to being reclusive – for both our work lives and our emotional well-being.
Social anxiety is the single most common psychological problem according to innumerable survey results worldwide. The magnificent, gorgeous and excellent isolation, resulting from being nervous when meeting people is really the opposite. The state of being isolated reminds me of being in a hospital with an infectious disease.

Does the project of giving a speech or going to a social gathering give you the willies?
Relax, there are always ways and solutions to help you but teaching you “never to be nervous again”.

I have always been the most silent pupil in elementary and high school. I was ashamed even to talk to or with my teachers. Several terrible school records have been the result. But, I wanted to become a journalist. I am still one.

During college times and while writing my first articles, I learned from my first boss, a daily news publisher, to avoid being nervous while meeting people. I was always prepared. Preparation for any communicating situation is a must. I have been invited to many parties and gatherings. I always asked for the guest list. I scanned all the newspapers and browsed the net.

One key benefit is improved creativity. Gregory Feist, who focuses on the psychology of creativity at California’s San Jose State University, has defined creativity as thinking or activity with two key elements: originality and usefulness. He has found that personality traits commonly associated with creativity are openness (receptiveness to new thoughts and experiences), self-efficacy (confidence), and autonomy (independence) – which may include “a lack of concern for social norms” and “a preference for being alone”. In fact, Feist’s research on both artists and scientists shows that one of the most prominent features of creative folks is their lesser interest in socializing.

One reason for this is that such people are likely to spend sustained time alone working on their craft. Plus, Feist says, many artists “are trying to make sense of their internal world and a lot of internal personal experiences that they’re trying to give expression to and meaning to through their art.” Solitude allows for the reflection and observation necessary for that creative process.

A recent vindication of these ideas came from University at Buffalo psychologist Julie Bowker, who researches social withdrawal. Social withdrawal usually is categorized into three types: shyness caused by fear or anxiety; avoidance, from a dislike of socializing; and insociability, from a preference for solitude.

There is gender and cultural variation, of course. For instance, some research suggests that unsociable children in China have more interpersonal and academic problems than unsociable kids in the West. Bowker says that these differences are narrowing as the world becomes more globalized.

Still, it turns out that solitude is important for more than creativity. Since ancient times, meanwhile, people have been aware of a link between isolation and mental focus. After all, cultures with traditions of religious hermits believe that solitude is important for enlightenment.

Recent research has given us a better understanding of why. One benefit of unsociability is the brain’s state of active mental rest, which goes hand-in-hand with the stillness of being alone. When another person is present, your brain can’t help but pay some attention. This can be a positive distraction. But it’s still a distraction.
Daydreaming in the absence of such distractions activates the brain’s default-mode network. Among other functions, this network helps to consolidate memory and understand others’ emotions. Giving free rein to a wandering mind not only helps with focus in the long term but strengthens your sense of both yourself and others. Paradoxically, therefore, periods of solitude actually help when it comes time to socialize once more. And the occasional absence of focus ultimately helps concentration in the long run.

I learned, if your personality tends toward insociability, you shouldn’t feel the need to change. Of course, that comes with caveats. But as long as you have regular social contact, you are choosing solitude rather than being forced into it, you have at least a few good friends and your solitude is good for your well-being or productivity, there’s no point agonizing over how to fit a square personality into a round hole.

So feel free to de-clutter your social calendar. It’s psychologist-approved.

The heartbeat of democracy

Honoring excellence: Enduring value of TOFIL

By Manila Bulletin

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 remind us that , , and 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 and , 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 in , in business and institution-building, Chief Justice Hilario Davide Jr. in law and democratic governance, and 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: , Public Service; former , Government; , Academic Community, , NGO and Civil Sector; and , 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.

Miss Globe 2025 Chayathanus 'Cheraim' Saradatta makes first PH visit, spends birthday with Bb. Pilipinas

By Annalyn S. Jusay

of arrived last Sunday on her first visit to the . She also marked two milestones as she celebrated her birthday and witnessed the renewal of ’s partnership with Binibining Pilipinas Charities, Inc. (BPCI).

Reigning Miss Globe 2025 Chayathanus 'Cheraim' Saradatta of Thailand (Images courtesy of Facebook)

Cheraim was warmly welcomed by BPCI officials and queens during a media conference at in Gateway Mall 2, on Jan. 26.

The Miss Globe Vice President Frenki Bozo, announced in the event a new three-year contract extension between BPCI and The Miss Globe. "Unofficially, I think this will last a lifetime," he stated of the 12-year partnership, describing the Philippines as "a second home."

Cheraim arrived in Manila on Jan. 25, which happened to be her birthday, and marked the occasion with a dinner alongside BPCI executives and Binibining Pilipinas queens.

At the welcome party, Cheraim was greeted by a friendly lineup of Bb. Pilipinas queens, namely: (). Katrina Anne Johnson (Binibining Pilipinas International 2025), Anna Valencia Lakrini (The Miss Globe 2023 2nd runner-up), Jasmin Castro Bungay (The Miss Globe 2024 2nd Runner-Up) , and Dalia Varde Khattab (Binibining Pilipinas 2025 1st Runner-Up). Annabelle Mae McDonnell (Binibining Pilipinas Globe 2025) greeted Cheraim via video.

Cheraim expressed her delight at the reception, saying, “If Thailand is my first home, the Philippines can be my second home. You make me feel welcome and comfortable all the time.”

Miss Globe 2025 Chayathanus 'Cheraim' Saradatta of Thailand celebrates her birthday with Bb Pilipinas queens.

She shared her fondness for , naming and among her favorites, and proudly recited a few Filipino phrases including "salamat po."

"I love adobo. And then halo-halo. And actually, back when I was a model, a friend bought me !," Cheraim revealed.

She is scheduled to remain in Manila until Jan. 29, during which time she will join BPCI for tours and charity activities.

Addressing rivalries among international pageant fans, Cheraim relayed a message of unity and respect.

“Being proud of your country is very good,” she said. “But seeing diversity from all around the world gives us a chance to open our hearts. You can cheer for your country, but also cheer for others.”

Miss Globe Vice President Frenki Bozo

Cheraim outlined her international travel plans, noting that after visits to Nepal, Vietnam, and Thailand, she will continue to China and Malaysia before embarking on European and South African tours.

She named as her favorite Thai beauty queen and role model for her dedication to advocacy and empowerment.

“For a queen, it’s not only about beauty or gowns,” she said. “It’s about the goals you advocate for and how much you empower others.”

Cheraim fondly recalled friendships formed during the Miss Globe finals, especially with candidates from Albania, Indonesia, Australia, the Czech Republic, and other countries.

"It was a very good time. I think the friendship between queens is what keeps you going every day because of the competition. They are tiring sometimes. But if you have someone who helps you, understands you, and encourages you, you can get through many things," she reminisced.

Miss Globe 2025 Chayathanus 'Cheraim' Saradatta of Thailand attends the media conference at World Kitchens in Araneta City.

Cheraim offered practical advice to aspiring pageant candidates, stressing the importance of preparation and time management.

“Being a queen doesn’t happen overnight,” she said. “It comes from years of dedication. So always manage your time, be ready for anything, and be your best version. Because you never know, like, maybe the chance is hiding somewhere you can't see, you know? You need to be in your best version all the time and know that it's not just about how you perform. It's all about your daily life," she advised.

Her beauty regimen, she said, focuses on rest and consistent skincare, particularly before makeup application.

Asked about her birthday wish, Cheraim replied: "One thing that I wish for is that I wish that my reign is full of experience. So that after I give the crown to others, I can still retain the knowledge I gained from Miss Globe. And also, I wish that I could give so many things to my next queen, even from Miss Globe Thailand. So you need to invite me back so I can learn a little bit more. I would love to come back."

Cheraim’s visit coincides with the early buzz leading up to the 62nd Binibining Pilipinas pageant, the details of which are expected to be formally announced soon.