MANILA // The women and children of a shantytown in the Philippine capital huddled along an alleyway while the men battled riot police nearby in a last-ditch stand to save their homes.
Many of the 600 residents had lived in the shantytown in the centre of Metro Manila all of their lives but, without any formal legal title to their homes, were being evicted to make way for a new town hall.
"They treated us like criminals," said Vicky Balabor, a 47-year-old mother of three after the hour-long confrontation that saw riot police fire water cannons and tear gas at the men of the neighbourhood.
The men resisted with petrol bombs, rocks and bottles, but numbering only a few dozen, were no match for the roughly 500 riot police who paved the way for demolition crews armed with crowbars to tear down the shantytown.
Twenty-two people were injured, including residents, police and demolition crew members, while 13 men defending their homes were arrested, in January's skirmish, according to the local city council spokeswoman, Grace Cortes.
The clearing of Pinaglabanan, an eight-hectare park, was just one of many battles that regularly erupt pitting Manila's giant "informal settler" community against authorities or property developers who want the land.
More than two million people in Metro Manila - or roughly one fifth of the sprawling city's population - live in shanty towns as so-called informal settlers.
The urban blight is worsening as the Philippines' population continues to expand at one of the fastest rates in the world, and people from rural areas head to Manila and other cities in search of work.
The phenomenon sees squatters take over parcels of vacant land and build shanties.
With grinding poverty stripping away choices for the desperate squatters, almost any type of vacant land is considered an opportunity with some shantytowns built on top of public cemeteries and many in flood-prone areas. But while the squatters do not have formal rights to the land, Philippine law makes it hard for the owners - whether they be the government or private interests - to get it back.
A 1992 law states that demolitions and evictions will not be allowed unless the settlers occupy dangerous areas, when the site is needed for public infrastructure projects, or when there is a court order.
Some politicians also encourage the settlers to stay so they can be used as reliable supporters in elections, while high-profile protests or battles such as the one seen in Pinaglabanan can buy extra time for squatters.
In the Pinaglabanan case, the eviction occurred only after lengthy legal proceedings, with the local council winning court approval to demolish the slum 12 months earlier to make way for the town hall.
In one incident showing the strength of informal settler communities, President Benigno Aquino suspended a 22 billion peso (Dh1.89bn) project to turn some government land in Manila into a business and shopping district in 2010 after squatters fought police to prevent the eviction of 6,000 families.
The government was also forced to fight all the way to the Supreme Court in 2007 for permission to evict 20,000 squatter families from the former army headquarters in Manila.
After winning the legal challenge, the area was turned into an upscale business, residential and retail district called The Fort that has become one of the capital's most prestigious districts.
About 3.5 million low-cost homes need to be built across the country to address the squatter problem, according to Antonio Bernardo, chief executive of the national government's Housing and Land Use Regulatory Board.
He said the national and local governments were implementing programmes to try to move squatters out of dangerous areas and into formal communities, giving them financial incentives to do so such as low-interest loans.
Mr Bernardo also pointed to a law that said one out of every five homes built by Philippine developers must cost under 400,000 pesos.
But Arturo Corpuz, vice president and urban planning chief for Ayala Land, the country's largest property firm, said these low-cost homes were beyond the reach of many informal settlers. And many of the areas where informal settlers are asked to move are further away from parts of Manila where work can be found.
Ms Balabor and others in the group cleared from Pinaglabanan in January were going to be taken by lorry to live in low-cost homes at a mountainous site in Rodriguez, about 20 kilometres away.
Under the local government's relocation scheme, they can live in the small concrete homes in Rodriquez for free for one year, but will then have to start paying the monthly mortgage of about US$175.
But Balabor, 47, earns just $220 (Dh643) a month working as a cleaner at Manila call centre, while her carpenter husband is out of work.
Even the bus ride from her planned new home to her workplace would cost a third of her salary every month.
Balabor said her family had no choice but to move to Rodriquez for the moment, but she had no idea how they could meet the mortgage payments in a year's time.
"We just don't know what we're going to do," she said.
Tributes from the UAE's personal finance community
• Sebastien Aguilar, who heads SimplyFI.org, a non-profit community where people learn to invest Bogleheads’ style
“It is thanks to Jack Bogle’s work that this community exists and thanks to his work that many investors now get the full benefits of long term, buy and hold stock market investing.
Compared to the industry, investing using the common sense approach of a Boglehead saves a lot in costs and guarantees higher returns than the average actively managed fund over the long term.
From a personal perspective, learning how to invest using Bogle’s approach was a turning point in my life. I quickly realised there was no point chasing returns and paying expensive advisers or platforms. Once money is taken care off, you can work on what truly matters, such as family, relationships or other projects. I owe Jack Bogle for that.”
• Sam Instone, director of financial advisory firm AES International
"Thought to have saved investors over a trillion dollars, Jack Bogle’s ideas truly changed the way the world invests. Shaped by his own personal experiences, his philosophy and basic rules for investors challenged the status quo of a self-interested global industry and eventually prevailed. Loathed by many big companies and commission-driven salespeople, he has transformed the way well-informed investors and professional advisers make decisions."
• Demos Kyprianou, a board member of SimplyFI.org
"Jack Bogle for me was a rebel, a revolutionary who changed the industry and gave the little guy like me, a chance. He was also a mentor who inspired me to take the leap and take control of my own finances."
• Steve Cronin, founder of DeadSimpleSaving.com
"Obsessed with reducing fees, Jack Bogle structured Vanguard to be owned by its clients – that way the priority would be fee minimisation for clients rather than profit maximisation for the company.
His real gift to us has been the ability to invest in the stock market (buy and hold for the long term) rather than be forced to speculate (try to make profits in the shorter term) or even worse have others speculate on our behalf.
Bogle has given countless investors the ability to get on with their life while growing their wealth in the background as fast as possible. The Financial Independence movement would barely exist without this."
• Zach Holz, who blogs about financial independence at The Happiest Teacher
"Jack Bogle was one of the greatest forces for wealth democratisation the world has ever seen. He allowed people a way to be free from the parasitical "financial advisers" whose only real concern are the fat fees they get from selling you over-complicated "products" that have caused millions of people all around the world real harm.”
• Tuan Phan, a board member of SimplyFI.org
"In an industry that’s synonymous with greed, Jack Bogle was a lone wolf, swimming against the tide. When others were incentivised to enrich themselves, he stood by the ‘fiduciary’ standard – something that is badly needed in the financial industry of the UAE."
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88 Video's most popular rentals
Avengers 3: Infinity War: an American superhero film released in 2018 and based on the Marvel Comics story.
Sholay: a 1975 Indian action-adventure film. It follows the adventures of two criminals hired by police to catch a vagabond. The film was panned on release but is now considered a classic.
Lucifer: is a 2019 Malayalam-language action film. It dives into the gritty world of Kerala’s politics and has become one of the highest-grossing Malayalam films of all time.
Tenet
Director: Christopher Nolan
Stars: John David Washington, Robert Pattinson, Elizabeth Debicki, Dimple Kapadia, Michael Caine, Kenneth Branagh
Rating: 5/5
PFA Premier League team of 2018-19
Allison (Liverpool)
Trent Alexander-Arnold (Liverpool)
Virgil van Dijk (Liverpool)
Aymeric Laporte (Manchester City)
Andrew Robertson (Liverpool)
Paul Pogba (Manchester United)
Fernandinho (Manchester City)
Bernardo Silva (Manchester City)
Raheem Sterling (Manchester City)
Sergio Aguero (Manchester City)
Sadio Mane (Liverpool)
Who has lived at The Bishops Avenue?
- George Sainsbury of the supermarket dynasty, sugar magnate William Park Lyle and actress Dame Gracie Fields were residents in the 1930s when the street was only known as ‘Millionaires’ Row’.
- Then came the international super rich, including the last king of Greece, Constantine II, the Sultan of Brunei and Indian steel magnate Lakshmi Mittal who was at one point ranked the third richest person in the world.
- Turkish tycoon Halis Torprak sold his mansion for £50m in 2008 after spending just two days there. The House of Saud sold 10 properties on the road in 2013 for almost £80m.
- Other residents have included Iraqi businessman Nemir Kirdar, singer Ariana Grande, holiday camp impresario Sir Billy Butlin, businessman Asil Nadir, Paul McCartney’s former wife Heather Mills.
Hunting park to luxury living
- Land was originally the Bishop of London's hunting park, hence the name
- The road was laid out in the mid 19th Century, meandering through woodland and farmland
- Its earliest houses at the turn of the 20th Century were substantial detached properties with extensive grounds
PRIMERA LIGA FIXTURES
All times UAE ( 4 GMT)
Saturday
Atletico Madrid v Sevilla (3pm)
Alaves v Real Madrid (6.15pm)
Malaga v Athletic Bilbao (8.30pm)
Girona v Barcelona (10.45pm)
Sunday
Espanyol v Deportivo la Coruna (2pm)
Getafe v Villarreal (6.15pm)
Eibar v Celta Vigo (8.30pm)
Las Palmas v Leganes (8.30pm)
Real Sociedad v Valencia (10.45pm)
Monday
Real Betis v Levante (11.pm)
Bullet%20Train
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Stan%20Lee
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THE SIXTH SENSE
Starring: Bruce Willis, Toni Collette, Hayley Joel Osment
Director: M. Night Shyamalan
Rating: 5/5
Company Profile
Founder: Omar Onsi
Launched: 2018
Employees: 35
Financing stage: Seed round ($12 million)
Investors: B&Y, Phoenician Funds, M1 Group, Shorooq Partners
The alternatives
• Founded in 2014, Telr is a payment aggregator and gateway with an office in Silicon Oasis. It’s e-commerce entry plan costs Dh349 monthly (plus VAT). QR codes direct customers to an online payment page and merchants can generate payments through messaging apps.
• Business Bay’s Pallapay claims 40,000-plus active merchants who can invoice customers and receive payment by card. Fees range from 1.99 per cent plus Dh1 per transaction depending on payment method and location, such as online or via UAE mobile.
• Tap started in May 2013 in Kuwait, allowing Middle East businesses to bill, accept, receive and make payments online “easier, faster and smoother” via goSell and goCollect. It supports more than 10,000 merchants. Monthly fees range from US$65-100, plus card charges of 2.75-3.75 per cent and Dh1.2 per sale.
• 2checkout’s “all-in-one payment gateway and merchant account” accepts payments in 200-plus markets for 2.4-3.9 per cent, plus a Dh1.2-Dh1.8 currency conversion charge. The US provider processes online shop and mobile transactions and has 17,000-plus active digital commerce users.
• PayPal is probably the best-known online goods payment method - usually used for eBay purchases - but can be used to receive funds, providing everyone’s signed up. Costs from 2.9 per cent plus Dh1.2 per transaction.
Real Madrid 1
Ronaldo (87')
Athletic Bilbao 1
Williams (14')
The specs
AT4 Ultimate, as tested
Engine: 6.2-litre V8
Power: 420hp
Torque: 623Nm
Transmission: 10-speed automatic
Price: From Dh330,800 (Elevation: Dh236,400; AT4: Dh286,800; Denali: Dh345,800)
On sale: Now
Groom and Two Brides
Director: Elie Samaan
Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla
Rating: 3/5
MATCH INFO
Manchester United 2 (Heaton (og) 42', Lindelof 64')
Aston Villa 2 (Grealish 11', Mings 66')
The biog
Date of birth: 27 May, 1995
Place of birth: Dubai, UAE
Status: Single
School: Al Ittihad private school in Al Mamzar
University: University of Sharjah
Degree: Renewable and Sustainable Energy
Hobby: I enjoy travelling a lot, not just for fun, but I like to cross things off my bucket list and the map and do something there like a 'green project'.