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Tuesday, March 17, 2026
Divine Initiative and Intervention
Monday, March 16, 2026
The Swiss-style “Time Bank” system
During my studies in Switzerland, I rented a house near my school. My landlady, Christina, was a 67-year-old single elderly woman who had worked as a secondary school teacher before retiring. Switzerland’s pension system is very good, and it provides her with enough support in her later years so she does not have to worry about food and shelter.
This was the first time I had heard of the concept of a “Time Bank.” Curious, I asked her to explain more. The “Time Bank” is described as an elderly care pension program developed by the Swiss Federal Social Security system. People save “time” by caring for elderly individuals, and when they themselves grow old, become ill, or need assistance, they can withdraw that saved time.
Applicants must be healthy, good at communication, and caring. They provide daily or weekly assistance to elderly people in need. Their service hours are credited to personal “time” accounts within the social security system.
She worked twice a week, spending two hours each time helping the elderly man — doing grocery shopping, cleaning his room, taking him out for sunlight, and talking with him.
After one year of service, the “Time Bank” calculates the total hours and issues a “Time Bank Card.” When she needs care herself, she can use the card to withdraw her accumulated “time and interest.” After verification, the Time Bank arranges volunteers to care for her either at home or in the hospital.
One day, while I was at school, my landlady called to say she had fallen off a stool while cleaning a window. I immediately took leave and sent her to the hospital. Her ankle was fractured, and she needed bed rest for some time.
As I was preparing to apply for leave from school to care for her, she told me not to worry because she had already submitted a withdrawal request to the Time Bank. Within less than two hours, the Time Bank sent a nursing caregiver to look after her.
For the next month, the caregiver visited daily, talked with her, and prepared nutritious meals. With attentive care, my landlady soon recovered. After regaining her health, she returned to her “work,” saying she intended to save more time in the Time Bank while she was still healthy.
Today, in Switzerland, using “Time Banks” to support old age has reportedly become common practice. It not only reduces pension expenses but also helps solve other social issues. Many Swiss citizens support this model of elderly care.
According to surveys by Swiss pension organizations, more than half of Swiss citizens are willing to participate in such elderly care services. The Swiss government has also passed laws supporting the Time Bank pension model.
With the growing number of elderly people living alone in many Asian countries, this Swiss-style “Time Bank” system could serve as a useful option.
Please share this concept widely so that the Indian government may also consider implementing a similar scheme in the future.
What is a lie people tell themselves to feel better about the world around them?
Interesting question, in my view, one of the many lies we tell ourselves to feel better is the lie that someone else other than ourselves is responsible for our current state, our happiness, the quality of our life, and our reality. In other words, the lie that our well-being, our happiness, and our life, in general, is the responsibility of other people or the government.
Yes, you and I cannot control everything in our environment; in most cases, we cannot control that which happens to us. Truth be told, our justification, reasons, or excuses we may advance, may make sense. However, the truth is that in the end, no amount of justification, reasons, or excuses will change a thing.
Nevertheless, we are always 100% in control of our reactions (perception, attitude, emotion), our choices and actions, or the choices/actions we do not make.
The effects of that are that,
- · One is likely not going to take ownership (victim mentality)
- · One is likely not going to take responsibility (take charge)
- · One is likely not going to be accountable (liable)
- · There will be Less or lack of proper personal investment (knowledge and healthy)
- · There will be Less or lack of proper personal care and love
- · There will be an attitude of carelessness and entitlement
- · There will be a lack of self-awareness, disorganization, and lack of self-regulation.
- · One is likely to blame everyone or everything but himself or herself.
In essence, Fyodor Dostoevsky highlights the following above lying, he says; “Above all, don't lie to yourself. The man who lies to himself and listens to his own lie comes to a point that he cannot distinguish the truth within him, or around him, and so loses all respect for himself and for others. And having no respect he ceases to love.”
I do realize that for many of us, lying is easier and convenient, be that as it may, we should never forget that the truth may hurt for a little while, but a lie hurts forever. It is time to step up, it is time to grow, time to progress, time to be a blessing, time to live life and live fully.
In ending,
“I've learned from experience that the greater part of our happiness or misery depends on our disposition and not on our circumstances.” - Martha Washington
“Everyone can rise above their circumstances and achieve success if they are dedicated to and passionate about what they do.” - Nelson Mandela
“You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself. That is something you have charge of.” - Jim Rohn
What is the best way to stay healthy?
I am not saying, that I have reached the pinnacle of staying healthy but out of 10 I would say I might be some where between 7 to 8.5..here are some tips,,
- Say no to alcohol and smoking, it will save your money and in return it will provide you with good health of lungs and liver.
- Don't try to over eat, just eat 85% to 90% of your appetite.
- Do some exercise on daily or alternate days.
Pic source-Gallery
- Don't eat junk food like burgers pizza or Momos on daily basis, it can take A toll on your liver and metabolism.
- Don't skip your morning breakfast. Tho my fav is milk and banana packed with energy.
- After dinner go for a walk, 15 mins will be sufficient.
Thanks for reading though I have written it in some haphazard way but from My side I have given genuine tips which I try to stick with.
Persevere💫
Why is the Philippines still richer and look a lot more modern than Vietnam?
Because many Filipinos love to dig out photos of Vietnam like this:
They then proceed to compare it with photos of their cities like this:
Then conclude that their country looks richer and more developed. But the reality is much more complicated.
You see, each tiny white blob you see in the Vietnam photo is a private property. Something that looks like this on land:
They are called tube houses, a characteristic feature of Vietnamese cities. Tube houses came about due to people’s desire to make use of their small land. The more money you have, the more you build up.
The government is lenient, allowing you to build as many storeys as you like. So it’ completely normal to wake up one day and find your window blocked off because your neighbour decides to add another storey.
So why is this important to this discussion?
These houses are almost always used as commercial properties as well as place of resident if it is facing a street. Which means at least 50% of the small white blobs you see are commercial properties and businesses, at least 70% of them have uses other than residential. Their value will only go up and up as Vietnam’s economy grows. And they have been, which is why the number of rich people grow exponentially in Vietnam.
Importance of land value and home ownership
Have you ever wondered why there are so many family owned hotels and guest houses in Vietnam?
Because the tube houses were turned into a hotel business by the family.
If the business doesn’t do well? Well they can close it and turn the lower floor into a phone shop, the second floor into a childcare centre etc etc
Every single business you see in this photo is someone’s house:
If you look at the first Vietnam skyline photo, you’re probably thinking that Vietnamese cities have no trees. But quite the opposite, the trees simply got blocked off by the height of the tube houses. So the only trees you see are parks.
And you must be thinking the tall tube houses only exist in Hanoi and HCMC, but not at all. The tube houses turned businesses are all over Vietnam .
Notice the tube houses on two sides are as tall as the government building in the middle.
So to Filipinos, Vietnam might look poorer than the Philippines because their definition of rich and developed is tall skyscrapers and many cars on the roads.
But to Vietnamese people, we understand that tall skyscrapers don’t mean they are richer. Because people who own those skyscrapers belong to the 1%.
But people who own Vietnamese tube houses are at least 90% of our population. And people who own tube houses that can be turned into a business is at least 80%.
Tube houses in Hai Duong, a small town East of Hanoi
Tube house turned hotel. Tube house can be as high as you like.
Keeping up with the Jones Vietnamese style is keeping up with your neighbor’s tube house. Don’t be the shame of the neighborhood by having the shortest house!
If you look at this photo, you might think a company built them, but no, they were built by separate families:
In other countries in the world, commercial properties are often owned by the rich and then leased out, but in Vietnam, if your land faces the street, congratulations you own a commercial property
Tube houses in Quang Ninh province. You can design them any way you like.
And guess what? Yes tube houses can be turned into offices as well:
Yes, these are tube houses.
You know we have many housing developments that look expensive and fancy like this:
But many of these people would rather have a tube house in a busy district, facing the street than one of these mansions if given the choice.
Perspective about skyscrapers
Skyscrapers are proofs that some people are rich, but are they proofs that the general population is rich?
One guy owns this, the tallest building in Southeast Asia in 2020:
But can we say we are rich because of him? Can we say we are richest in Southeast Asia because his building is the tallest?
We actually love and look up to rich people, but it makes us the happiest to think everyone is contributing to Vietnam’s economy and not just piggybacking on a few rich people. As I think it’s unfair for them to having to carry more than 100 million people.
So to answer this question: looking rich is a perception. So our definition of looking rich is actually different from Filipinos, as seen through many answers here.
To determine which country is really richer, I guess we will have to wait until the Vietnam and Philippines new GDP is announced next year, as both Vietnam and Philippines are undergoing GDP revision. Either way it’s best for both countries to continue to improve the lives of their citizens, as richer citizens are synonymous with richer countries.
Miracles and Faith
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