Home Blog Page 198

Trilateral Militarisation in Southeast Asia: Bringing Vietnamese Counterinsurgency Operations to the Philippines and the South China Sea

philippine south china sea miniature

By Dan Steinbock

Trilateral militarisation between the US, Japan and the Philippines has begun, starting with maritime counterinsurgency, missiles and nuclearisation. In the coming years, it will penalise development and unleash extraordinary uncertainty in the Philippines and Southeast Asia.

In mid-April, President Biden hosted a trilateral summit in Washington, DC, at the time of “surging tension in the South China Sea,” as Western media likes to put it. These tensions are habitually attributed to “assertive China” or “Chinese aggression.” It’s an elaborate liturgy designed for the faithful. And like all jargon, it reflects a gap between the rhetoric and realities.

In their summit, Biden, the Japanese Prime Minister Fumio Kishida and the Philippine President Ferdinand Marcos Jr began to broaden trilateral cooperation. It precipitated the maritime exercises of the three plus Australia, and the US-Philippine large-scale military exercises, which will be “bigger than ever before.”

In the past, perceptive Filipino observers have expressed increasing concern that, due to the Marcos Jr government’s excessive embrace of Washington’s militarisation in the region, the country will be dragged into a major power conflict on Taiwan. In retrospect, these voices may have been too optimistic. In the absence of a major policy recalibration in Manila, the Philippines seems eager to sleepwalk into a major geopolitical minefield before Taiwan.

From Washington’s perspective, such collaboration serves a function. It is designed to weaken China prior to a potential Taiwan crisis. Tokyo shares the view. Oddly enough, the Philippines is set to bear most risks and losses, yet it is not entirely clear how it will benefit from the new trajectory. The consequent unease is reflected in the Filippino electorate, whose trust in their major political leaders is dwindling.[1]          

Whatever happened to diplomacy?

The South China Sea (SCS) tensions peaked at the end of March when President Marcos Jr. pledged to mount a “proportionate, deliberate and reasonable” response to the “unabating, and illegal, coercive, aggressive and dangerous attacks” by the China Coast Guard and the Chinese Maritime Militia in the SCS. Reportedly, the Philippines National Security Council said the president would rescind whatever SCS agreement China may have reached with former president Rodrigo Duterte.[2]

The South China Sea (SCS) tensions peaked at the end of March when President Marcos Jr. pledged to mount a “proportionate, deliberate and reasonable” response to the “unabating, and illegal, coercive, aggressive and dangerous attacks” by the China Coast Guard and the Chinese Maritime Militia in the SCS.

That same day, China’s Defense Ministry spokesperson Wu Qian stated that it was the Philippines’ harassment and provocations that were the direct cause of the SCS escalation. Counting on the support of external forces, the Philippines had infringed upon China’s sovereignty and violated international law and the spirit of the Declaration on the Conduct of Parties in the SCS, Wu said.[3] Reportedly, the Philippine government had ignored several concept papers China submitted almost a year ago proposing ways to normalise the situation in disputed areas of the SCS.[4]

What’s behind this progressive escalation? Here’s the bottom line: The policy stances on the SCS issues by Manila and Beijing have not changed. But the way these stances are promoted overtly (and covertly) has – due to Manila’s new tactic.

The opposing stands remain what they were during the presidency of Rodrigo Duterte (2016-2022). In his era, the Philippines foreign policy was recalibrated to benefit from cooperation with both the US and China, not just one or the other. At the same time, Beijing and Manila agreed to disagree on the divisive SCS issues, which became subject to pragmatic long-term negotiations.

Instead of friction, the two fostered long-term talks in anticipation of the code of conduct on the SCS between the Association of the Southeast Nations (ASEAN) and China. Chinese tourists flocked to the Philippines. Chinese trade and investment in the country soared. Diplomacy ensured focus on economic development, which remains very much in the interest of the region.

During his electoral campaign in 2021-2022, Marcos still pledged he would build on Duterte’s legacy. But after the election, those vows turned upside down. Instead of neutrality, increasing integration with the ASEAN, security cooperation with the US and economic development with China, the Marcos government drastically intensified, broadened and deepened US ties and granted Pentagon access to several new base locations. China was shut out. Last year, former president Duterte still sought to bridge the bilateral divides directly with China’s President Xi Jinping (Figure 1).

Figure 1: President Marcos Jr and Former President Duterte

President Ferdinand R. Marcos Jr.with former President Rodrigo Duterte
President Ferdinand R. Marcos Jr. met with former President Rodrigo Duterte at the Malacañan Palace where they discussed the latter’s recent meeting with Chinese President Xi Jinping in Beijing (PMO, Aug 2, 2023)
Image from Wikimedia Commons

However, due to the escalation, personal ties can no longer offset the consequent “geopolitical mess,” as Duterte recently described Manila’s drift. He also warned in Chinese media that “the US is trying to provoke a war between China and the Philippines,” expressing his hope that the Philippines can change course to “resolve issues through dialogue and negotiation.[5]

Nonetheless, the Marcos Jr government has accelerated military collaboration with the US. Concurrently, aspiring Chinese tourists were blocked by a cumbersome visa process, which virtually ensured minimal inflows, while Chinese investment lingered in Manila’s state bureaucracies. Trade survived the worst, but it is likely to face great challenges in coming years.

In the SCS, the past cooperative approach was replaced with the tactic of “assertive transparency”; that is, “publicizing the aggressive aggressions of China.”[6] In Washington, the tactic is portrayed as Manila’s response to counter China. Yet, the architects of the policy are linked with the US Department of Defense.

Instead of just a narrow information war of “naming and shaming,” the tactic involves broad counterinsurgency operations. The proponents seek to Vietnamise the SCS friction.          

Vietnamising the SCS friction               

After graduating from Columbia University and a brief internship in the Center for Irregular Warfare and Armed Groups, the young policy wonk Hunter Stires found a job at the US Naval War College.[7] He was conducting stuffy archival research for maritime history professor John B. Hattendorf. The proponent of US sea power and doyen of US naval educators, Hattendorf had served as a naval officer during the Vietnam War, battles with the Viet Cong and stays in Subic Bay, Philippines, and Taiwan.[8]

When Hattendorf retired in 2016, Stires had absorbed his lessons and moved to the US Naval War College where he claims to have created the strategic concept of “maritime insurgency/counterinsurgency” (Maritime COIN). Essentially, his goal was to reframe the Chinese challenge in the SCS and reorient the US strategy to defeat it (Figure 2).

Figure 2: US Naval Institute’s Maritime COIN Project

Maritime COIN
Image from https://www.usni.org/MaritimeCOIN

In Spring 2019 Stires wrote an essay, “The South China Sea Needs a ‘COIN’ Toss” in which he argued that the past US approach to countering China in the SCS had failed. US Navy’s “freedom of navigation” operations had not managed to neutralise what he termed, using not-so-academic language but jargon typical to the Naval War College, China’s “cancerous expansion.”[9]  

Stires was championing deterrence by a denial strategy in which the ultimate goal for the US was to contain China in the SCS. US Navy, he said, would have to avoid “the inherent economic and political costs of large, protracted foreign deployments, as well as numerical constraints faced by the US Navy’s major combatant fleet.” In brief, US Navy needed more bang for its buck, while diversifying risks to the host country, the Philippines. With risks inflated, Stires seems to have presumed, they might join the Ukrainians fighting to the last Filippino.

What the US needed, Stires claimed, was “a maritime counterinsurgency campaign to find opportunities for economies of force.” As he put it:

If the strategic problem in the South China Sea is a Chinese insurgency, it logically follows that the U.S. and allied strategic solution should be counterinsurgency.[10]

Intriguingly, Stires compared Beijing’s efforts in the SCS with the Viet Cong’s activities against the rural civilian populations in South Vietnam arguing that “large numbers of small US units brigaded with allied forces can produce disproportionate outcomes.” Hence, his promotion of the Vietnam-era Combined Action Program (CAP).

From 1965 to 1971, among nearly half a million civilians across 800 settlements, the CAP at its height involved only 2,200 Marines, just 2.8% of the 80,000 Marines in Vietnam. But the combined force fielded 20,000 troops. In Stires’s view, the CAP was “cost-effective and sustainable” because it “resulted in disproportionately more enemy forces killed in action and significantly higher degrees of civilian population security, achieved at half the US casualty rate of Army and Marine Corps units engaged in large-scale combat.”[11]

Offering an alternative to big and broad military campaigns, the CAP platoons would patrol in villages and hamlets full-time to degrade the insurgents’ capabilities. In the South China Sea, the trick was to convert the rural anti-guerrilla tactic into maritime counter-insurgency and bring the CAPs to the Philippines and the SCS.

Vietnam and Philippine Insurrection déjà vu            

In Stires’s odd comparison, President Marcos Jr is the contemporary equivalent of South Vietnam’s Nguyen Van Thieu who got into power after a rigged election and was defeated by Ho Chi Minh’s Viet Cong. The bigger lesson – the massive human and economic, particularly civilian losses caused by the CAP and other doctrines, and the US defeat in Vietnam – is simply ignored.

At the end of the Vietnam War, the number of total deaths amounted to almost 1.4 million people, of which almost 80 percent were Vietnamese combatants and civilians.[12] Most of the Vietnamese economy and infrastructure were devastated. US Air Force also deployed toxic herbicides, including Agent Orange, destroying much of the once-lush territory in the course of the ecocide.[13]

To Stires, the Philippines is South Vietnam’s maritime reincarnation. [14] Ironically, he builds his maritime counterinsurgency idea on the suppression of the Philippines. The CAP experiences promoted by Stires originated at least partially from Marine “pacification programs” (read: violent subjugation) in Haiti, Nicaragua, the Dominican Republic, and elsewhere during the Banana Wars in the late 19th and early 20th century. More recent operations include those in Iraq and Afghanistan.[15]

There are also links to other pacification programmes, such as what the US historians call the “Philippine Insurrection” (1899-1903) when the US conquered the country eventually engaging in massacres during the Moro Rebellion (1899-1913) (Figure 3). Not forgetting the scorched earth campaigns and forcible relocations of civilians to concentration camps in which thousands perished, as America eventually replaced Spain as the colonial power. On the Philippine side, the war led to at least 200,000 civilian deaths, although some estimates put civilian deaths up to a million.[16] 

Figure 3: The 1906 Moro Massacre

Bud Dajo massacre
In the Bud Dajo massacre, US military bombed the stronghold killing over 600 men, women and children. In one of the military operations conducted against the Moros, US soldiers pose for the camera in the aftermath of the massacre.
Image from from Wikimedia Commons

In January, the US Navy hired Stires to serve as “maritime strategist” for the Secretary of the Navy. To him, the Philippines and the SCS are South Vietnam’s maritime reincarnation. Ironically, the maritime counterinsurgency idea rests in part on the US counterinsurgency doctrine deployed in the lethal conquest of the Philippines.

US Navy, Big Defense, and think tanks                      

But tactical doctrines are one thing, actionable military campaigns another. What ensued was the controversial Project Myoushu, a derivative of the US Naval Institute’s Maritime Counterinsurgency (COIN) Project. Myoushu “seeks to develop more effective tools to shine a light into the gray zone of China’s maritime coercion strategy in the South China Sea.”[17] Presumably, naming and shaming, it is tailored to counter China in the SCS. Myoushu is one of the core projects of SeaLight, an initiative by Stanford University’s Gordian Knot Center for National Security Innovation (GKC).

The GKC was created in the fall of 2021, in parallel with the Philippine presidential rivalry. It was sponsored by the US Office of Naval Research (ONR), which has had a central role in naval military operations since 1946 and reports directly to the Secretary of the Navy. The GKC’s resources originate from US government agencies, the Center for Strategic and International Studies (CSIS) and its Asia Maritime Transparency Initiative (AMTI).

The CSIS is a major US think-tank, funded by government agencies, the Pentagon, Big Defense, banking behemoths and energy giants. AMTI is an arm of CSIS, a sort of high-tech intelligence assembler supporting US interests in maritime Asia. In the Philippines, it has cooperated with Stratbase ADR Institute, the think-tank of the late foreign minister Alberto del Rosario, a wealthy businessman whose geopolitical interests converged with his private sector ventures. In turn, ADRi is linked with BowerGroup Asia, headquartered in Fairfax, Virginia, west of Washington, DC. While the Chamber has its connections with Taiwan, Rosario had his personal economic stakes in the SCS’s untapped energy resources.[18]

Located at Stanford in the heart of California’s Silicon Valley, the GKC mandate is to support the US “in the great power competition,” says Joe Felter, one of its founders.[19] An ex-Special Forces officer, Felter has served as US deputy assistant defense secretary for South and Southeast Asia, and Oceania. His combat deployments include Iraq and Afghanistan, where he reported directly to Generals Stanley McChrystal and David Petraeus.[20]

In the Philippines, the US Naval Institute’s Maritime COIN Project entered the headlines in December 2023. That’s when the Atin Ito Coalition proposed a Christmas convoy to the BRP Sierra Madre in the contested Second Thomas Shoal, known as Ayungin Shoal in the Philippines.

The secretive Atin Ito’s lead convenor was Rafaela David, who promoted still another “gift-giving caravan” in early March.[21] David has headed the Center for Youth Advocacy and Networking (CYAN), which is funded by the US-based National Endowment for Democracy (NED), known for its penchant for regime change.[22] Described as “civil society organizations,” these groups are not representative of ordinary hardworking Filipinos. Another “co-convenor” of Kalayaan Atin Ito (KAI), Vera Joy Ban-eg has served as the self-proclaimed “guardian of the volunteers.”  Oddly enough, she was recently suspended by the Supreme Court from practice for a year after failing to pay a businessman the amount she invested in gold trading.[23]

Ukrainian blueprint déjà vu 

Almost in parallel, del Rosario’s Stratbase ADR Institute launched a new report, The Gamechanger: The Philippines’ Assertive Transparency Campaign, in which Raymond Powell and Benjamin Goirigolzarri purported to explain “how the Philippines rewrote the counter grayzone playbook in 2023.”[24] The two presented “assertive transparency” that had long been cultivated by the Pentagon and the US naval interests as Manila‘s tactic.

Powell served in the Philippines decades ago, had combat tours in Iraq and Afghanistan and ended a 35-year career in the US Air Force in 2021. Both represent the US Air Force. Colonel Powell is the director of the GKC’s Sealight initiative and Goirigolzarri its analyst.[25]

At the core, assertive transparency… shows how the gray zone aggressor can be lodged in a state of embarrassment in the international scene but also aims to deter or defeat the aggressor. To increase its success, the counter-gray zone approach should include strengthening national resilience, building international support, and imposing reputational costs on the gray zone actor.[26]

In other words, strengthen the Philippines to prioritise support for the gray zone contest. Second, build international support to increase its leverage against China. Lastly, impose reputational costs against Beijing. It is the Ukrainian blueprint déjà vu: Make them buy more arms, seek support from other Western allies and demonise the adversary.

In brief, the doctrine of assertive transparency is a part of a broader maritime counterinsurgency campaign, seeking to contribute to China’s containment in the South China Sea. It has been developed and refined by high-level senior officers and major think tanks in the US Defense Department (Figure 4).

Figure 4: Behind the “assertive transparency” doctrine

Maritime Coin Project

In the Philippines, the use of the “assertive transparency” doctrine has been paralleled by the plummeting of the approval ratings of President Marcos and other government leaders, due to growing Filipino concerns regarding issues like inflation, corruption and perceived weak leadership.[27] In such circumstances, SCS tensions are a convenient distraction away from Filipino bread-and-butter issues.

Prior to Biden’s trilateral summit, international media was flooded by an orchestrated messaging machinery aiming to portray the trilateral rearmament as peace-building and China as a massive threat to the trilateral alliance and the world at large. The purpose of the maritime counter-insurgency campaign has been to escalate the South China Sea friction, to justify trilateral militarisation.

It is a prelude to the ongoing massive rearmament drive that has the potential to split Southeast Asia and bury the Asian Century. In the short term, that drive is marked by missiles. In the medium- to long-term by nuclearisation. 

Nuclearisation via QUAD and AUKUS              

In March 2023, US President Joe Biden held a press conference on the AUKUS partnership with UK Prime Minister Rishi Sunak and Australian Prime Minister Anthony Albanese at Naval Base Point Loma in San Diego, California. During the conference, the nuclear-powered USS Missouri submarine was visibly in the background, by design. It was a signal to China (Figure 5).

Figure 5: The Trilateral AUKUS partnership

Hon Anthony Albanese, Prime minister Rishi Sunak and President Joe Biden
Image from Wikimedia

Ironically, the net effect is the rising nuclearisation of the South China Sea by countries that are not located in the ASEAN territories. The US-led multilateral security framework that’s targeting China rests on the QUAD (Quadrilateral Security Dialogue) between the US, Japan, Australia and India. Although both are cooperative bodies oriented around security, the QUAD is a loose form of security dialogue, whereas AUKUS aims for much stronger military cooperation, including the sharing of advanced military technologies such as nuclear-powered submarines.

AUKUS seeks to hem in China’s moves with a nested military network, including sharing advanced military technologies such as nuclear-powered submarines. The first subs will be built in the UK by the late 2030s and in Australia after 2040.

Prior to Biden’s trilateral summit, international media was flooded by an orchestrated messaging machinery aiming to portray the trilateral rearmament as peace-building and China as a massive threat to the trilateral alliance and the world at large. The purpose of the maritime counter-insurgency campaign has been to escalate the South China Sea friction, to justify trilateral militarisation.

In the interest of time, the US plans to forward-deploy Virginia-class nuclear-powered submarines, coupled with the UK’s similar Astute-class subs, to a naval base near Perth in Western Australia, already by 2027.[28] AUKUS is also likely to expand in 2024 or early 2025. Japan and Canada are in line to join the so-called pillar 2 section of the AUKUS agreement, while the US is courting South Korea and New Zealand.[29] The agreement’s first part, pillar 1 involves the US and UK helping Australia build nuclear-powered submarines. Pillar 2 allows the three to develop advanced military technology.

From the Chinese viewpoint, the US is expanding the AUKUS military alliance by “forming a mini-NATO in Asia, which poses unprecedented threats and challenges to the region’s prosperity and stability.”[30]

But nuclearisation takes time. The Pentagon and Big Defense want to move faster. Hence, the missiles.

Missiles and militarisation            

As veteran political analyst Francisco Tatad writes, “Marcos sees China as the source of the danger, but he does not say why our two countries should be going to war with each other over some pieces of stone in the vast disputed sea.” Tatad asks, “Whose war must we prepare for?”[31]

While the question of “whose war” remains blurry, the question of “how” it could begin is fairly clear. Thanks to the 2019 expiration of the previously banned Intermediate-Range Nuclear Forces Treaty, the US is planning to deploy ground-based intermediate-range missiles in the Indo-Pacific already in 2024, thus establishing its first arsenal in the region since the end of the Cold War.

Originally developed by the huge US defense contractor Raytheon which has played a vital role in Ukraine, these missiles feature land-based versions of the Standard Missile-6 (SM-6) and the Tomahawk cruise missile, with ranges between 500 and 2,700 kilometers (Figure 6). Tomahawks in particular have been used from the Gulf War to Iraq, Syria and Yemen.

Figure 6: Missiles over the South China Sea?

Missile
The Arleigh-Burke class guided-missile destroyer USS John Paul Jones (DDG 53) launches a Standard Missile-6 (SM-6) during a live-fire test of the ship’s aegis weapons system (Pacific Ocean, June 19, 2014)
Image from Wikimedia Commons

Reportedly, the US Army will send the intermediate-range missile units primarily to the US territory of Guam, looking for more forward deployment to Asian allies in a contingency. But allies, like the Philippines, are likely expected to be open to “rotational deployments in crises.” Responding to a crisis in the Taiwan Strait or South China Sea will require missiles that can reach targets in those critical waterways or the Chinese mainland. This means an extended deployment near the “first island chain,” which stretches from Japan’s Okinawa islands to Taiwan and, yes, the Philippines.[32]

After the withdrawal of US military bases from the Philippines in the early 1990s, Guam has become a strategically critical location for US military operations. Until recently, Japan and the Philippines were reluctant to host new American capabilities, to avoid becoming an immediate target of the Chinese military in a crisis. Designed to change these realities on the ground, the doctrine of assertive transparency has served to legitimise mobilisation for war in the name of peace.

In January 2024, Stires was appointed Maritime Strategist to the Secretary of the Navy. His focus is now on maritime statecraft, competition and priorities like re-arming the Vertical Launch Systems (VLS) at sea. Installed on a nuclear-powered submarine, it allows a greater number and variety of weapons to be deployed offensively.[33] Reportedly, Secretary of Navy Carlos Del Toro is eyeing this rearm-at-sea capability as a critical step to prepare for conflict in the Pacific. Today, the Navy’s cruisers and destroyers can only load and unload offices at established piers with approved infrastructure. For the Pacific fleet, these reload sites are in Japan, Guam, Hawaii and California.[34]

Perhaps that’s one of the attractions of the Philippines as a logistics hub in the Indo-Pacific.

Pre-Marcos steps to militarisation       

The US Naval Department’s involvement seems to have intensified since the mid-2010s when the late foreign secretary Albert F. del Rosario had a key role in building the 2014 Enhanced Defense Cooperation Agreement (EDCA). It was the EDCA that opened the Philippines to US military, ships, and planes; for the first time since 1991. A year later, Rosario met Obama’s then-deputy Secretary of State Antony Blinken in Manila, aiming at bigger bilateral commitments (Figure 7).[35]

Figure 7: Toward deeper military alignments

(Left) Foreign Affairs Secretary Albert F. del Rosario and US Deputy Secretary of State Antony Blinken in Manila in 2015. (Center) Foreign Affairs Secretary Teodoro L. Locsin, Jr. receives US INDOPACOM Commander Admiral John C. Aquilino, in 2021. (Right) Gen. Romeo Brawner, Jr., Philippines Armed Forces Chief of Staff and Adm. Aquilino, in Manila in March 2024
Image from DFA, DFA-OPCD

President Duterte’s electoral triumph in 2016 caused a six-year breather in these ambitious plans. Militarisation accelerated in August 2021, when Admiral John C. Aquilino, Commander of the US Indo-Pacific Command (INDOPACOM), met Foreign Secretary Locsin, Jr. During that visit, Aquilino welcomed bilateral progress as “a huge leap forward,” while a US press release described the ties as an “alliance.”[36]

Aquilino’s calls matter. The INDOPACOM is the largest of six geographic combatant commands of the US Armed Forces. It is responsible for all US military activities in the Indo-Pacific region. But nothing was set in stone, yet. President Marcos Jr had pledged to build on Duterte’s legacy and nurture strong ties with both the US and China, like most ASEAN nations.[37] But obviously, these pledges had to go. They were misaligned with Big Defense’s plans for Manila. Peace is not good for military business.

In October 2022, Senator Imee Marcos, chair of the Philippine foreign relations committee, still pled in Washington: “Do not make us choose between the United States and China.” While affirming the strong bilateral alliance, she said the latter should not inhibit expanded engagement with China through confidence-building measures, joint development, and finalising a code of conduct in South China.[38]

Prior to the address, her younger brother, President Marcos, had met President Biden and discussed “the full breadth of issues in the alliance.” Subsequently, all his major electoral pledges turned upside down. Trilateral mobilisation became an inflated response to a deflated problem. As columnist Rigoberto Tiglao wondered why the Philippines should go to war with China, its biggest trading partner, over a dispute that “is solely over Ayungin Shoal, a permanently submerged, useless small area.”[39]

Even the Philippines Congress has been oddly numb about the tectonic foreign policy shift, despite its likely adverse and huge economic and geopolitical implications.

More bases, more targets          

By February 2023, President Marcos Jr. granted US Forces access to four new bases, in addition to five existing bases included under the expanded Enhanced Defense Cooperation Agreement (EDCA). The controversial decision was opposed vehemently by several provinces and municipalities in the target areas. But once again, these concerns were quickly suppressed as anti-patriotic.

In a fall 2023 Senate hearing, Senator Robinhood Padilla did question the presence of a US Navy Poseidon aircraft circling overhead during the resupply mission, as the US naval presence unnecessarily caused an escalation between China and the Philippines.[40] Instead of welcoming Padilla’s valid skepticism as an opening for a democratic debate on the foreign policy U-turn, questions were hush-hushed away.

At the time, Adm. Aquilino returned to the Philippines to discuss “opportunities for increased multilateral cooperation, maritime security initiatives, and the upcoming exercise Balikatan.” The US has added 63 projects for the EDCA sites on top of the previously-approved 32. These projects included multipurpose storage facilities, road networks and fuel storage, “among others.” Although the US officially has only “rotational access” to the Philippines bases, it has already allocated over $109 million towards infrastructure improvements at some seven EDCA locations. Aquilino did not specify the purpose of the expanded military infrastructure.[41]

Presumably, the Philippines is to serve as a logistical platform in order to tie China in the South China Sea (SCS) before a potential Taiwan crisis. But more is needed. Aquilino sought access to still more bases. Unsurprisingly, both sides preferred backroom talks to open public debate.”[42]

Recently, President Marcos Jr. said that the Philippines is not inclined to give the United States access to more Philippine military bases under the EDCA. He insisted the additional installations would not be used for offensive action “unless there is an attack against the Philippines” and that they would be used mainly to boost the disaster response of the country.[43]

By then, few Filipinos took the statement at face value anymore.

Manila, Ukraine and those “iron-clad ties”

The proponents of trilateral militarisation portray it as a pillar of “peace and stability” in Southeast Asia. But they live in a parallel universe. Most ASEAN nations have been diplomatic yet critical of Manila’s recent moves. They argue that militarisation precipitates friction and instability in the region. Dark precedents extend from Afghanistan and Iraq to Ukraine and Gaza.

As Singapore’s foreign minister Vivian Balakrishnan said during his recent visit to Manila: “[Escalation in SCS] will increase insurance premiums. It will certainly have an inflationary impact on our economies and it will dampen confidence in what in fact should be multiple decades of growth and progress that we all expect and that our people need in order for us to achieve the economic transformation and the expansion in jobs.”[44]

As America’s “major non-NATO partners,” both Manila and Kyiv share “iron-clad ties” with the US. But the track record of such ties is not inspiring. When Ukraine opted for US military cooperation, its thriving development initiatives with China were quickly torpedoed. Today, the Ukrainian economy is devastated, a generation of soldiers has perished and millions of Ukrainians have been displaced and left the country.[45]

Worse, the consequent massive rearmament has the potential to split Southeast Asia and bury the Asian Century. In this effort of friction, division and decline, the Philippines is now the key actor and one that carries the greatest risks.

“What’s in this for us?” ask the Filipinos who voted for peace but who now live at the edge of a geopolitical minefield.

About the Author

Dr Dan Steinbock is an internationally recognised strategist of the multipolar world and the founder of Difference Group. He has served at the India, China and America Institute (USA), Shanghai Institutes for International Studies (China) and the EU Center (Singapore). For more, see https://www.differencegroup.net

Endnotes

  1. “Approval, Trust Ratings of Government Officials, Institutions Dips Further – PAHAYAG Survey.” Publicus Asia, Apr 2.
  2. “’BBM vows response to Chinese bullying’.” The Manila Times, Mar, 29.
  3. “China condemns Philippines’ trick of ‘playing victim’.”  Global Times, Mar 28. 2024.
  4. “Chinese official: PH ignored China’s proposals on sea row.” The Manila Times, Mar 11, 2024.
  5. Hu Yuwei et al. 2024. “GT exclusive: Former Philippine president Duterte warns Manila to turn back from detrimental path, resolve disputes through dialogue.” Global Times, Apr 12.
  6. Dela Cruz, Raymond Carl. 2024.” PH to sustain transparency in WPS ops.” Philippine News Agency, Feb 13.
  7. On Stires’s background, see https://www.linkedin.com/in/hunterstires/
  8. https://usnwc.edu/Faculty-and-Departments/Directory/John-B-Hattendorf. Retrieved on Mar 31, 2024.
  9. Stires, Hunter. 2019. “The South China Sea Needs a ‘COIN’ Toss.” Proceedings, US Naval Institute, Vol 145/5, May, see https://www.usni.org/magazines/proceedings/2019/may/south-china-sea-needs-coin-toss
  10. Ibid.
  11. Ibid.
  12. Lewy, Guenter. 1978. America in Vietnam. New York: Oxford University Press, pp. 442-453.
  13. Chiarini, Giovanni. 2022. Ecocide: From the Vietnam War to International Criminal Jurisdiction? Procedural Issues In-Between Environmental Science, Climate Change, and Law. Cork Online Law Review, Apr 13.
  14. Ibid.
  15. Goodale and Webre 2008, op. cit.
  16. Agoncillo, Teodoro A. 1960. History of the Filipino People (Eighth ed.). Quezon City: Garotech 1990, pp. 247-297; Foner, Philip Sheldon. 1972. The Spanish-Cuban-American War and the Birth of American Imperialism. Monthly Review Press, 2022; Wolff, Leon. 1961. Little Brown Brother: How the United States Purchased and Pacified the Philippine Islands at the Century’s Turn. New York: Doubleday.
  17. See https://gordianknot.stanford.edu/projects
  18. Steinbock, Dan. 2019. “Public Agendas and Private Interests in South China Sea.” Apr. 11. On the Taiwan links, see Steinbock, Dan. 2019. “The Privatization of US Indo-Pacific Vision: Project 2049, Armitage, Budget Ploys and Taiwan Nexus”. China-US Focus, Ju. 8.
  19. Duffie, Warren Jr. 2021. “Unraveling ‘Knotty’ Problems: ONR Helps Launch New Academic Center for National Security Innovation.” ONR, Dec 6. See https://www.navy.mil/Press-Office/News-Stories/Article/2861626/unraveling-knotty-problems-onr-helps-launch-new-academic-center-for-national-se/
  20. For Felter’s bio, see https://www.hoover.org/profiles/colonel-joseph-joe-felter-ret
  21. “’Atin Ito’ eyeing gift-giving caravan in Scarborough Shoal anew.” Philippine Inquirer, Mar 5, 2024.
  22. On David and CYAN, see https://www.facebook.com/CYANPilipinas/posts/our-ed-rafaela-david-aka-paeng/3439139019517535/ On the CYAN funding by NED, see https://www.ned.org/region/asia/philippines-2021/
  23. “SC suspends lawyer for 1 year over gold trading scam.” The Manila Times, Aug.  17, 2021. See also “Government hit for preventing ‘Freedom Voyage’ to Kalayaan Islands.” The Philippine Star, Dec 19, 2015.
  24. Col Raymond M. Powell and US Air Force (ret) Benjamin Goirigolzarri. 2024. Game Changer: The Philippine Assertive Transparency Campaign. Stratbase ADR Institute, Jan.
  25. On Powell, see Stanford University: https://dci.stanford.edu/fellow/raymond-m-powell/
  26. Powell and Goirigolzarri, op. cit.
  27. “Marcos, Duterte ratings plummet.” The Manila Times, Apr 3.
  28. “AUKUS puts South China Sea in reach of submarines, prompts debate over nuclear proliferation.” Hankyoreh [South Korea] Apr 5, 2023.
  29. Boscia, Stefan. 2024. “Britain and US race to expand Pacific defense pact before election turmoil.” Politico EU, Mar. 19.
  30. Zhang Yuing. 2024. “AUKUS likely to see membership expansion, ‘poses threats to regional stability’.” Global Times, Mar 21.
  31. Tatad, Francisco S. 2024. “Whose war must we prepare for?” The Manila Times, Mar 15.
  32. Nakamura, Roy et al. 2023. “U.S. to deploy new ground-based missiles to Indo-Pacific in 2024.” Nikkei Asia, Dec 3.
  33. “SECNAV Hires Maritime Strategist for Statecraft, At-Sea VLS Reloads.” Defense Daily, Jan 18, 2024.
  34. “US Navy prioritizes ‘game-changing’ rearming capability for ships.” Defense News, Mar 28, 2023
  35. Steinbock, Dan. 2022. “Philippine 2022 Election amid U.S. Cold War against China.” China-US Focus, Nov. 29.
  36. “Indo-Pacific commander: US military to seek access to more Philippine bases.” Radio Free Asia News, Sep 14, 2023.
  37. Steinbock, Dab. 2022. “Philippine election offers opportunity to rethink the liberal narrative.” South China Morning Post, Apr 28.
  38. “Imee Marcos: Do not make us choose between US and China.” GMA News, Oct 2, 2022.
  39. Tiglao, Rigoberto D. 2024. “PH-China dispute really easily resolved if…” The Manila Times, Apr 5.
  40. Tatad, Francisco S. 2023. “Sen. Robinhood Padilla should lecture his peers, not the reverse.” The Manila Times, Nov 6.
  41. Statement of Admiral John C. Aquilino, US Navy Commander, US Indo-Pacific Command. US Indo-Pacific Command Posture. US Senate Committee of Armed Services, Mar 20, 2024.
  42. Ibid
  43. “Marcos rules out new bases for US.” The Manila Times, Apr. 16.
  44. “Singapore foreign minister warns SCS tension to dampen ASEAN economic takeoff.” The Manila Times, Apr 16.
  45. Steinbock, Dan. 2023. “The Unwarranted Ukraine Proxy War: A Year Later.” The World Financial Review, Jan.

Techberry Review: Navigating Modern Trading with Smart Solutions

bitcoin and Investment

For both veteran market players and those new to financial scene selection of trading platform can critically impact performance. An optimal platform extends beyond basic functionality offering an intuitive flexible experience tailored to diverse trading preferences. In an era where financial markets are swiftly advancing traders demand platforms that deliver superior tools insightful market analysis and an engaging user interface. Techberry has risen as notable contender in this space acclaimed for its innovative approach to trading online. This review will unpack the essence of Techberry highlighting its appeal to traders at every experience level.

An Introduction to Techberry

Launched to tackle prevalent issues encountered on traditional trading platforms platform aims to elevate trading experience with a focus on efficiency and user engagement. The platform distinguishes itself through integration of Social Trading and Artificial Intelligence capitalizing on shared wisdom of a vast trading community exceeding 10,000 members. This strategic move empowers users to make informed data-backed trading decisions evidenced by Techberry’s commendable track record of 11.2% average monthly returns. Techberry’s commitment to a safe reliable trading environment is reinforced by adherence to established regulatory standards. It enhances user experience by simplifying financial transactions, making it straightforward for users to manage their funds. With a spectrum of membership options designed to accommodate varying trading objectives platform merges cutting-edge technology with a focus on regulatory conformity and customer-centricity, positioning itself as a leading platform in today’s digital trading arena.

Bitcoin ETF-like Investment Opportunities

Techberry’s Bitcoin Membership plans represent a pioneering effort to connect traditional investment mechanisms with the burgeoning cryptocurrency sector, mirroring the function of Exchange-Traded Funds (ETFs). These unique offerings allow individuals to tap into the volatility of Bitcoin’s pricing without engaging directly in the complexities of crypto trading. Here are a few highlights:

  1. Regulatory Compliance: Emphasizing safety and legality Techberry’s Bitcoin plans comply with stringent regulatory criteria.
  2. Traditional Trader Accessibility: Tailored for conventional investors, these plans facilitate entry into the crypto market through well-known payment avenues.
  3. Streamlined Investment Experience: With an easy subscription model Techberry demystifies investment process in Bitcoin bridging gap between novice enthusiasm and the cryptosphere.

By combining the uniqueness of crypto investments with stability and familiarity of traditional financial practices platform’s Bitcoin ETF-like membership plans ingeniously bridge gap between these two realms. This strategic fusion expands the investor base while seamlessly integrating the vibrant crypto market into conventional financial structures thereby creating a holistic investment experience. What’s worth noting about Bitcoin ETF on techberry is seamless subscription process with deposit and withdrawal payment options such as credit and debit cards as well as bank wire transfers making transition into crypto investment as straightforward as possible for traditional investors. This ease of access is pivotal for those accustomed to traditional banking system and hesitant about navigating often complex world of digital currencies

Techberry’s Comprehensive Product Offering

Elevating Social Trading Dynamics

The social trading has revolutionized how individuals engage with financial markets, creating a space for sharing valuable insights and strategies. Yet navigating through the vast influx of information and assessing the reliability of these shared strategies remains a challenge. Techberry innovatively addresses these issues by implementing advanced AI algorithms that sift through the wealth of data generated by a network of over 10,000 traders. This extensive analysis enhances the precision of market forecasts and trading strategies, significantly improving the social trading experience. In an effort to cultivate a rich trading community Techberry rewards traders who contribute meaningful insights seamlessly integrating them into its expansive network. This system not only promotes knowledge exchange but also rewards contributors, thereby elevating the community’s collective intelligence and the effectiveness of social trading.

Revolutionizing Trading with AI Automation

Platform harnesses power of AI to automate trading marking a significant leap forward for trading sector. The platform’s sophisticated AI system meticulously assesses market trends to execute trades with unmatched precision and efficiency. This level of automation is especially crucial in volatile and complex world of financial markets offering traders a substantial edge. Designed to dynamically adjust to evolving market conditions AI algorithms ensure that trading strategies are both effective and up-to-date. With this automation, traders are liberated to concentrate on overarching investment strategies and market analysis, entrusting the AI with the execution details.

Unlocking Passive Income in the Financial Markets

The prospect of generating passive income from financial markets is enticing yet can appear formidable to many. Techberry demystifies this process through its automated trading solutions enabling users to tap into passive income streams with ease. Boasting commendable average monthly return of 10.2% platform stands as a testament to its successful trading strategies and comprehensive risk management measures. This approach to automated trading broadens the horizon for individuals seeking passive income making financial markets accessible and manageable for busy professionals and trading novices alike thereby democratizing investment opportunities for a broader audience.

Customized Membership Options for Diverse Trading Needs

Techberry recognizes varied needs and goals of traders offering a comprehensive selection of membership plans to suit different preferences and levels of trading experience. From foundational White to elite VIP Exclusive plan each tier is meticulously designed with specific features and pricing to support traders in achieving their investment objectives. This personalized approach ensures that all traders whether they’re just beginning their journey or are seasoned investors have access to essential tools and insights to optimize their trading performance. For those venturing into or advancing through trading world plans from White to Infinite provide a structured path for growth. The VIP Exclusive plan, priced at $599, is tailored for top-tier investors, offering a suite of exclusive benefits that underscore Techberry’s commitment to premium service. This plan significantly reduces the service charge to 10% on profits, fostering a mutual success model, and introduces a unique 100% loss protection feature for enhanced security under certain conditions. VIP members benefit from personalized strategy sessions with experienced market analysts invitations to a prestigious Annual Exclusive Global Event dedicated account management, and prioritized customer support, ensuring they are well-equipped to make informed trading decisions.

Round-the-Clock Support and Vibrant Trading Community

Platform offers exceptional customer support and fosters a dynamic community of traders. The platform’s 24/7 support system ensures users can receive timely help and guidance, complemented by a detailed FAQ section for quick problem resolution. Beyond technical support, Techberry cultivates a collaborative community atmosphere where traders can exchange advice, share insights, and provide mutual encouragement, enriching the trading experience for all members.

Looking Towards the Future

Reflecting on elements that define Techberry’s success it’s clear that platform is set to continue its trajectory of growth and innovation within the online trading sector. Through its strategic use of AI and automation along with its dedication to meeting the diverse needs of its user base through customized plans and comprehensive support platform is establishing itself as a forward-thinking leader in the field. The outlook for Techberry is undoubtedly optimistic with ongoing enhancements to its platform and services anticipated to further cater to the dynamic requirements of traders worldwide.

Software Development Outsourcing: Maximizing Efficiency and Quality

Software Developer

In today’s rapidly evolving digital landscape, businesses across the globe are constantly seeking innovative solutions to stay ahead of the competition. One strategic approach that has proven to be a game-changer is software development outsourcing. This model not only offers flexibility and scalability but also provides access to a global talent pool, ensuring that your business is empowered with top-notch software solutions. At Cody Expert Software Development Services, we specialize in transforming your business needs into reality through our comprehensive outsourcing services.

Why Choose Cody Expert for Your Software Development Needs?

Global Talent at Your Fingertips: By partnering with Cody Expert, you gain access to an extensive network of highly skilled software developers from around the world. Our stringent selection process ensures that only the best talents are deployed to work on your projects, bringing innovative solutions and a wealth of experience to the table.

Customized Solutions for Every Business: We understand that every business has unique needs and challenges. Our team of experts works closely with you to develop customized software solutions that align perfectly with your business goals and requirements, ensuring that you get the most out of your investment.

Cost-Effective Development Without Compromising Quality: Outsourcing your software development to Cody Expert allows you to reduce your operational costs significantly without compromising on the quality of the output. Our models are designed to offer maximum flexibility and efficiency, ensuring that you get top-quality software solutions at a fraction of the cost.

State-of-the-Art Technologies: Staying abreast of the latest technologies is crucial in today’s tech-driven world. Cody Expert prides itself on leveraging cutting-edge technologies and methodologies to deliver software solutions that not only meet but exceed your expectations. From cloud computing to AI and machine learning, we have the expertise to bring your most complex software projects to life.

Enhanced Focus on Core Business Functions: With Cody Expert taking care of your software development needs, you can focus more on your core business functions. Outsourcing allows you to allocate your resources and attention to what you do best, driving growth and innovation in your primary domain.

Agile and Scalable Solutions: Our agile methodology ensures that your software development project is delivered with the highest efficiency and flexibility. We adapt quickly to changes and feedback, ensuring that the final product is perfectly aligned with your evolving business needs. Furthermore, our scalable solutions grow with your business, ensuring you are always ahead of the curve.

Unwavering Commitment to Data Security and Privacy: At Cody Expert, we understand the importance of data security and privacy. We adhere to stringent security protocols and best practices to ensure that your data is protected at all times during the development process.

Seamless Communication and Support: Effective communication is key to the success of any project. We ensure seamless communication between our team and your stakeholders, providing regular updates and being available to answer any queries you may have. Our support extends beyond the delivery of the project, ensuring that any post-deployment issues are resolved promptly.

Success Stories and Testimonials: Over the years, we have empowered numerous businesses across various industries with our software development outsourcing services. Our portfolio is a testament to our expertise and commitment to delivering excellence. We invite you to explore our success stories and hear directly from our satisfied clients about their experiences with Cody Expert.

Get Started with Cody Today

Embarking on your software development journey with Cody Expert is the first step towards transforming your business through technology. Our team is ready to discuss your project requirements and tailor a solution that aligns with your business objectives. Contact us today to learn more about how we can empower your business with our expert software development services.

In conclusion, software development outsourcing is a strategic approach that offers numerous benefits, including access to global talent, cost savings, focus on core business functions, and the ability to leverage state-of-the-art technologies. Cody Expert Software Development Services stands at the forefront of this revolution, providing customized, secure, and efficient software solutions that empower businesses globally.

It’s All About Compromise: Mediating the Hybrid Working Debate 

Business people on a hybrid set up

By Tanja Albers 

Whilst in the throes of a pandemic, necessity dictated the city to adapt and the world of work moved online. After lockdown restrictions ended, remote working was dialled back in the most part to hybrid or flexible working and now, with the city back functioning in a new normal, some companies are trying to tighten the reins even further and asking employees to come into the office more. Whether this be restricting flexibility or introducing strict return to office mandates, many companies are being met with reluctance from workers who are now used to, or have only ever experienced, the hybrid working lifestyle.  

In fact, in the UK, more than a thousand staff at the Office for National Statistics have recently voted to strike in protest against being told they must go into the office at least two days a week, arguing that they accepted jobs on the basis that they were remote roles. 

For many, flexible working is cemented as the new normal, and in reality it will be very difficult for employers to fully enforce a return to pre-pandemic working. Employees never complained about office presenteeism because they didn’t know about other models of working. Now, it has been proven that remote and hybrid working is possible. However, many decision-makers are becoming disillusioned from the golden era of flexible working, realising that whilst it certainly has its advantages, some elements of office life just cannot be replicated online and there are some aspects that have been falling through the cracks. As the debate continues, tensions are rising and employers are walking a narrow line to strike the right balance between providing the training and development programmes they promised, and ensuring hiring and retention is not impacted.   

Many have been urging their employees to come into the office more frequently for some time, hoping that perhaps free lunches and more social events might help, but their efforts have been to no avail. It seems that executives were hoping for a great return through practice rather than policy, but they have been met with a damp squib of enthusiasm from workers. In fact, a recent LinkedIn poll rolled out to my personal network revealed that given the choice, 35% of respondents would like to come into the office just two days per week, and a further 27% would like the opportunity to work completely flexibly.  

This comes as no real surprise. Many employees have adjusted their lifestyles now that they spend less time commuting and have more time for commitments outside of working. Many parents may feel they would not be able to continue with current levels of work if they were no longer able to work flexibly, or some families may have moved out of the city having weighed up the options of a longer commute for fewer days per week.  

We are seeing many senior leaders decide they must lead by example and come into the office more days per week to ensure sufficient visibility for more junior members of the team. However, take-up across the board is still lower than companies had hoped, and measures are becoming more draconian, but this is an option available to only a handful of businesses; others will be met with revolt. We are currently working with a company who has implemented a 4 day per week attendance rule with no exceptions. Every candidate would love to work for this company, it has the allure to still reel employees in, even if the 4 day a week in office requirement needs to be considered first, but smaller, less ‘exciting’ or less established companies may struggle to do the same. 

The reality is that there are several pitfalls to hybrid working models and it is in fact employees that can be tripped up in the long run. A major benefit of office presence is learning from example, cultivating relationships, and making the most of training and development opportunities. On the other hand, chance encounters don’t occur on Zoom, individuals at home can be excluded from decisions, and daily accomplishments can be overlooked when exposure to senior members is reduced. Technology has come on leaps and bounds, but teams still cannot collaborate or communicate to the same extent online; we’ve taken a few years to try but have now learnt that it will never quite be the same. 

Hybrid working has worked well whilst the dust has settled, but it is perhaps time to take stock and consider whether it is sustainable. There are some cracks showing, and ultimately it could benefit employees as much as anyone to recalibrate their ideas about office working. Whilst the days of full-time office working may well be behind us, there is certainly room for some more structure. Even if employees agree to coming in certain days that align with managers and senior leaders, face time, visibility and learning employees will be boosted. Companies intending on ruling with an iron fist should err on the side of caution if they are to avoid a rebellion, but there must also be a level of compromise and this time, it’s down to the employees.

 

About the Author 

Albers-TanjaTanja Albers is a Partner at global legal search firm Major, Lindsey & Africa with their EMEA In-House Counsel Practice. Tanja works on a wide variety of in-house placements, specialising in general counsel and senior-level legal and compliance searches internationally for multinational corporations. 

Honoring Service: Exploring Special Loans for US Army Veterans

US MILITARY concept with branch tapes and dog tags on camouflage uniform

The men and women who serve in the United States Army make immense sacrifices to protect and defend our nation. In recognition of their dedication and service, veterans are eligible for a range of special benefits and programs, including unique mortgage loan options. These special loans for US Army veterans offer favorable terms, low interest rates, and flexible eligibility criteria, making homeownership more accessible and affordable for those who have served our country. In this comprehensive guide, we’ll delve into the various types of special loans available to US Army veterans, explore their benefits and features, and provide insights into how veterans can take advantage of these valuable opportunities.

Understanding Special Loans for US Army Veterans

1. VA Home Loans

VA home loans are one of the most well-known and widely utilized benefits available to US Army veterans. These loans are guaranteed by the Department of Veterans Affairs (VA) and offer several key advantages:

  • No Down Payment Required: VA loans typically do not require a down payment, allowing veterans to purchase a home with little to no upfront cost.
  • Competitive Interest Rates: VA loans often feature competitive interest rates that are lower than those available with conventional mortgages.
  • No Private Mortgage Insurance (PMI): Unlike conventional loans, VA loans do not require private mortgage insurance, saving veterans money on monthly mortgage payments.
  • Flexible Eligibility Criteria: VA loans have more lenient eligibility requirements compared to conventional mortgages, making them accessible to a broader range of veterans, including those with less-than-perfect credit.

2. VA Interest Rate Reduction Refinance Loan (IRRRL)

The VA Interest Rate Reduction Refinance Loan (IRRRL), also known as the VA Streamline Refinance, is a special loan program designed to help veterans refinance their existing VA loans to obtain lower interest rates and reduce their monthly mortgage payments. Key features of the IRRRL include:

  • Simplified Refinance Process: The IRRRL program streamlines the refinance process, requiring minimal documentation and paperwork.
  • No Appraisal or Credit Check: In many cases, an appraisal or credit check is not required for IRRRL refinances, making the process faster and more convenient for veterans.
  • Lower Interest Rates: The primary goal of the IRRRL program is to reduce veterans’ mortgage interest rates, resulting in lower monthly payments and potential long-term savings.

3. Other Special Loan Programs

In addition to VA loans and the IRRRL program, US Army veterans may be eligible for other special loan programs and benefits, including:

  • Adapted Housing Grants: The VA offers adapted housing grants to help veterans with service-connected disabilities modify their homes to accommodate their unique needs.
  • Native American Direct Loan Program: This program provides VA-guaranteed loans to eligible Native American veterans and their spouses to purchase, construct, or improve homes on federal trust land.

How to Take Advantage of Special Loans for US Army Veterans

1. Determine Eligibility

Before applying for a VA loan or other special loan programs, veterans should verify their eligibility by obtaining a Certificate of Eligibility (COE) from the VA. The COE confirms the veteran’s military service and determines their eligibility for VA loan benefits.

2. Work with a Knowledgeable Lender

When exploring special loan options for US Army veterans, it’s essential to work with a lender who specializes in VA loans and understands the unique needs of veterans. A knowledgeable lender can guide veterans through the loan process, help them navigate the VA’s requirements, and find the best loan option for their individual circumstances.

3. Take Advantage of Homebuyer Education

Many organizations offer homebuyer education and counseling services specifically tailored to veterans. These programs provide valuable information about the homebuying process, VA loan benefits, and homeownership responsibilities, empowering veterans to make informed decisions about their housing options.

Conclusion: Empowering US Army Veterans on Their Path to Homeownership

In conclusion, special loans for US Army veterans, such as VA loans and the VA Interest Rate Reduction Refinance Loan (IRRRL), offer valuable opportunities for veterans to achieve homeownership with favorable terms and benefits. By understanding the various loan programs available, determining eligibility, and working with knowledgeable lenders, veterans can take advantage of these special benefits and realize their dream of owning a home. As a nation, we owe a debt of gratitude to our military veterans, and providing access to affordable homeownership is one way to honor their service and sacrifice.

Bookkeeping: An Excellent Work From Home Opportunity

Bookkeeping

Many people enjoy the freedom and autonomy that working from home can provide. However, according to the KPMG CEO Outlook Study, an annual survey conducted of 1,300 CEOs worldwide, nearly two-thirds of CEOs believe that remote work will come to an end by 2026.

However, as many employees would prefer to continue working from home instead of long commutes to the office five days a week, they may seek out alternatives that will allow them to continue their remote work. One excellent job is bookkeeping, which can be done as a remote business. Let’s take a look at what makes it a good choice.

Easy to Learn

If you’re interested in starting a bookkeeping business, the necessary skills are easy to acquire. There are many free online resources to get you a good foundation, which can then be supplemented with a few classes that you can take nights or weekends.

Once you’re confident in your abilities, you can ask a family member or a friend who runs a small business to let you help them with their books. Even if they can’t or don’t want to pay you, it’ll be a good test of your skills and will provide you with experience that you can use to attract paying clients. You might even find something that their bookkeeper may have overlooked.

Easy to Set Up

Setting up a home office for a bookkeeping business is extremely easy, as it only requires a computer with high-quality security and bookkeeping software, a filing cabinet or another storage device that can be locked, and a door with a working lock.

Businesses are very protective of their financial data for obvious reasons and they’ll need to know that they can trust the security of that information with you and your business. If the work is done correctly and on time while protecting their data, it won’t matter to them whether you work a standard 8-5, start work at 11 PM, or take afternoons off.

Freedom and Autonomy

On that note, freedom and autonomy are two of the most exciting parts of owning a small business. Instead of checking in with the boss a few times per day or waiting for someone in Accounts Receivable to bring you the file you need to finish the project, you can focus on work in your own home without constant interruptions.

Again, as long as the work gets done properly and according to the client’s schedule, if their data is protected, and you can provide exceptional customer service, you’ll have no problem attracting and keeping clients. How and when you choose to make those things happen is almost entirely up to you.

Financial Benefits

According to Indeed, the average base salary for a bookkeeper in the United States is $22 an hour or $45,000 per year. As an outsourced business, you can make much more than that by taking on multiple clients at the same time.

Even if each client pays you less than half that amount, let’s say $20,000, it would only take five clients before you earned $100,000 in a year. That’s an excellent salary for a person who works exclusively from home. Depending on how much time you’re willing to put in, the efficiency of your methods, and a few other factors, you could easily take on more than five and make even more money.

A Better Solution for Small Businesses

Now that we’ve explained the benefits to you, let’s look at the benefits provided to your clients, which will help you promote your business. According to a 2016 study by Statista, 64% of small businesses use accounting software and 43% use tax software for their bookkeeping.

Instead of paying for these services and doing the work themselves, they can outsource the work to your new business for less than the $45,000 average salary listed above. This is a smart financial decision that will save them both time and money, which they can then use to improve the business. They can focus on growth and expansion instead of bookkeeping and compliance.

Final Thoughts

Although there are many small business opportunities available that will allow you to work from home and avoid boring meetings and long commutes, opening a bookkeeping business is an excellent choice. The skills are easy to learn, the freedom and autonomy are liberating, and bookkeepers will always be in demand because every company needs someone to do the work.

How Can a Reliable PoS Device Revolutionise Your Business Transactions?

PoS Device

Ever feel like your checkout process is slowing you down? Long lines, frustrated customers and mountains of paperwork can be a real drag on your business. But what if there was a way to streamline transactions, boost efficiency and even gain valuable customer insights?

Today, we’re diving deep into how a powerful tool – point of sale or (PoS) device can revolutionise the way you do business.

From frustration to efficiency: The power of a reliable PoS device

Imagine a checkout experience that’s smooth, fast and secure for both you and your customers. A reliable PoS device makes this a reality. Here’s how:

  1. Speed up transactions: No more manual calculations or fumbling for change. Modern PoS devices process payments quickly and efficiently, with features like barcode scanners and contactless payment options. This keeps lines moving and customers happy.
  2. Say goodbye to errors: Manual data entry is a recipe for mistakes. PoS devices automate many tasks, reducing errors and ensuring accurate sales records. This saves you time and money in the long run.
  3. Embrace diverse payment options: Customers today expect flexibility. A reliable PoS allows you to accept credit cards, mobile wallets, contactless payments and even gift cards, all through a single system. This caters to your customers’ preferences and keeps them coming back.

Beyond the checkout: Unveiling the hidden gems of a PoS device

The benefits of a PoS device extend far beyond the checkout counter. Here’s how it can transform your entire business:

  1. Inventory management made easy: Never run out of stock again! PoS devices track inventory levels in real-time, automatically generating alerts when you need to reorder. This prevents lost sales and ensures you have the correct products in stock to meet customer demand.
  2. Unlock valuable sales data: Gone are the days of relying on guesswork. PoS devices generate detailed reports that provide insights into sales trends, popular products and customer demographics. This data empowers you to make informed decisions about your business, from optimising your product mix to tailoring marketing campaigns.
  3. Enhanced customer service: PoS devices can store customer information, allowing you to personalise your service. Offer targeted promotions, loyalty programs and faster checkouts for repeat customers. Building stronger customer relationships leads to increased loyalty and higher sales.

Finding the perfect fit: Choosing the right PoS device for your business

With a wide range of PoS devices available, it’s crucial to choose one that aligns with your specific needs. Here are some key factors to consider:

  1. Business size and type: Different systems cater to different business models. Consider your industry, size and transaction volume when selecting a PoS.
  2. Features and functionality: Determine the features that are most essential to you. Do you need advanced inventory management, customer relationship management (CRM) tools, or integrations with other business software?
  3. Budget: PoS devices range in price. Determine your budget and choose a system that delivers the features you require at a price you can afford.

Making the switch: A smooth transition to a reliable PoS device

Transitioning to a new PoS device can seem daunting, but many providers offer comprehensive training and support. Here are some tips for a smooth transition:

  1. Involve your team: Get everyone on board with the new system by providing clear training and addressing any concerns beforehand.
  2. Start with a test run: Test the PoS device in a controlled environment before implementing it in your live environment.
  3. Seek support: Don’t hesitate to reach out to your PoS provider for any assistance you need during the transition.

Investing in your future: The long-term benefits of a reliable PoS device

A reliable PoS device is an investment in your business’s future. It streamlines operations, improves efficiency and empowers you to make data-driven decisions. It can ultimately lead to:

  1. Increased sales and revenue: By improving customer experience and offering greater flexibility, a PoS device can attract new customers and encourage repeat business.
  2. Reduced costs: Minimising errors, managing inventory effectively and making informed decisions can all contribute to significant cost savings.
  3. Improved business insights: The valuable data gathered through your PoS device allows you to gain a deeper understanding of your customers and your business overall.

Ready to revolutionise your business?

In today’s competitive market, a reliable PoS device is no longer a luxury, it’s a necessity. By investing in this robust tool, you can transform your checkout experience, unlock valuable data, and set your business on the path to success. Pine Labs caters to businesses of all sizes, offering an assortment of plans and features to suit your specific needs.

With a reliable PoS device from Pine Labs, you can gain a competitive edge, improve customer satisfaction and unlock your business’s full potential.

Tips to Check Website Stats and Why it is Important?

Man viewing website traffic analytics data on tablet

In the vast digital landscape, where every pixel counts, deciphering the intricate web of website statistics is the cornerstone of online success. 

As businesses strive to navigate the ever-changing currents of the internet, understanding website analytics emerges as the compass guiding their digital voyage. Servya will unravel the mysteries of website stats, shedding light on their significance in driving informed decisions, enhancing user experience, and maximizing marketing ROI. 

The Backbone of Digital Strategy

Website analytics serves as the compass in the vast ocean of the internet. It provides insights into visitor behaviour, traffic sources, and content performance. By understanding these metrics, businesses can steer their digital strategies towards success.

Shedding Light on the Vital Statistics

  • Traffic Sources: Knowing where your visitors come from—whether through organic search, social media, or referrals—is crucial to optimizing your marketing efforts.
  • Bounce Rate: This metric indicates the percentage of visitors who navigate away from your site after viewing only one page. A high bounce rate may signify issues with site usability or irrelevant content.
  • Conversion Rate: The holy grail of website stats, conversion rate, measures the percentage of visitors who complete a desired action, such as purchasing or filling out a form. It directly correlates with the effectiveness of your website in achieving its goals.
  • Page Load Time: Every second counts in the fast-paced digital world. Slow-loading pages can drive visitors away and negatively impact search engine rankings.
  • User Engagement: Metrics like average session duration and pages per session provide insights into how users interact with your website. Higher engagement levels often translate to better user experience and increased conversions.

Why Website Stats Matter?

1. Driving Informed Decision-Making

In the digital realm, knowledge is power. Businesses can make informed decisions regarding content optimization, marketing strategies, and user experience enhancements by analyzing website stats. This data-driven approach minimizes guesswork and maximizes results.

2. Enhancing User Experience

A seamless user experience is paramount in retaining visitors and fostering brand loyalty. Understanding how users interact with your website can help you identify pain points, streamline navigation, and tailor content to meet their needs and preferences.

3. Maximizing Marketing ROI

Effective marketing reaches the right audience with the right message at the right time. Website stats provide invaluable insights into the effectiveness of your marketing campaigns, allowing you to allocate resources more efficiently and maximize ROI.

4. Staying Ahead of the Competition

In the ever-evolving digital landscape, staying ahead of the competition is essential for business survival. By benchmarking your website performance against industry standards and competitors, you can identify areas for improvement and capitalize on untapped opportunities.

5. Building Trust and Credibility

A well-performing website instills trust and credibility in your brand. By showcasing positive metrics such as high engagement levels, low bounce rates, and strong conversion rates, you demonstrate competence and reliability to your audience.

With the knowledge of website analytics and its importance, it’s time to act. Whether you’re a seasoned marketer or a budding entrepreneur, harnessing the power of website stats can propel your online presence to new heights.

The Top Benefits of Hiring Professional Accounting Services for Your Business

Professional Accounting Services

In today’s fast-paced business world, efficiency is key. Have you considered professional accounting services? They offer more than number crunching.

A skilled tax accountant can be your financial navigator. They ensure compliance and financial efficiency. Imagine gaining time to focus on business growth.

That’s the promise of engaging with professionals. Their expertise can guide them through complex financial landscapes. Don’t underestimate the power of professional accounting services.

They transform how you manage business finances. Here are the top benefits of hiring professional accounting services for your business.

Time Savings

Managing finances takes time and effort. As a business owner, you have many competing priorities. Engaging with an accountant frees up time to focus on core business activities.

You can delegate complex tasks like bookkeeping and tax preparation to experts. They deliver timely and accurate reports. It allows you to make informed decisions more quickly and efficiently.

Expertise and Experience

Accountants have extensive knowledge and experience in managing finances for businesses. They are updated on the latest laws, regulations, and trends in the financial industry. With their expertise, they can:

  • identify potential risks
  • provide strategic advice
  • help you maximize profits

They can also offer valuable insights for improving financial processes and procedures. This level of expertise and experience can be a significant asset for your business.

Cost Savings

Hiring a full-time accountant may not be workable for small businesses. Yet, outsourcing accounting services can be a cost-effective solution. You only pay for the services you need, when you need them.

It eliminates the costs associated with hiring and training a full-time employee. It also provides benefits and equipment.

Accounting services can help reduce costly errors. They can save money on taxes by ensuring compliance and maximizing deductions.

Increased Accuracy

Financial accuracy is crucial for the success of any business. Accountants have the skills and tools to ensure precise financial records and reports. It reduces the risk of errors.

It helps avoid costly mistakes that can negatively impact your business’s bottom line. They can also provide valuable advice on how to improve financial processes. It is to increase efficiency and accuracy.

Scalability

As your business expands, its financial needs grow too. Outsourcing an accounting service offers flexibility. Scale up or down based on your needs.

Professional accountants offer a broad range of services. They handle:

  • bookkeeping
  • financial analysis
  • forecasting

They also adapt to changes in your business. It includes new regulations or market conditions. Ensure your finances are always current and compliant.

Tax Compliance

Tax compliance can be a daunting task for many business owners. A professional accountant can help you stay compliant with tax laws and regulations. They ensure that your business avoids penalties or fines.

They can also provide valuable insights on how to optimize your taxes. They can identify potential deductions.

By keeping your taxes in order, you can avoid unnecessary stress. You can focus on growing your business. It also ensures compliance with tax laws. Plus, it helps in making informed financial decisions.

Cloud-Based Technology

With the advancement of technology, many accounting services now offer cloud-based solutions. It means that you can access your financial data and reports anytime, anywhere. It also allows for real-time collaboration with your accountant.

Cloud technology enables seamless integration of various financial tools. It reduces the risk of data loss or corruption. It makes it easier to manage finances and make informed decisions.

This level of accessibility and convenience can benefit your business. Embracing these services can streamline operations. It’s a game-changer for financial management.

Customized Financial Strategies

Every business stands out, facing distinct challenges and aims. Professional accounting tailors strategies to your business needs. They delve into your business model, industry trends, and rivals.

This tailored approach aligns finances with your goals. It fosters sustainable growth and success. Custom strategies include tax optimization and cost reduction.

They also involve cash flow improvement and risk assessment. These strategies support informed decision-making and financial health. They guide your business towards its objectives.

Enhanced Investment Opportunities

A proficient accountant balances books and ensures tax compliance. They also offer advice on investment opportunities. With deep financial and market knowledge, they identify viable investment avenues.

These align with your business goals and risk appetite. They guide on maximizing returns and minimizing financial risks. Their financial expertise can elevate your business.

They reveal new paths for enhanced investment opportunities. Their insights unlock growth and ensure financial stability. This strategic guidance propels your business forward.

Seamless Financial Integration

Balanced Asset Solutions offers professional services accounting. They integrate with your current financial systems. It simplifies managing and tracking your business finances.

All financial data becomes accurate and up-to-date. It also becomes accessible, enhancing efficiency. No need for much software or manual data entry.

It saves time and reduces errors. Seamless integration provides a complete financial health overview. It aids in decision-making.

Streamline your financial operations with Balanced Asset Solutions. Discover how Balanced Asset Solutions revolutionizes financial management for businesses globally. Their innovative methods simplify complex accounting, enabling financial success for any business.

Peace of Mind

Handing financial tasks to accounting services ensures accuracy and compliance. It also offers unparalleled peace of mind. You to focus on other aspects of your business.

It reduces the stress associated with financial management. It enables you to make strategic decisions without accounting complexities.

The peace of mind that comes from relying on accounting services is invaluable. It helps you to maintain a clear focus on the broader vision for your business.

It allows for more strategic planning and growth. Trust in expert services brings calm and clarity.

Discovering the Benefits of Professional Accounting Services

Professional accounting services transform your financial landscape. They offer expertise that is unique and invaluable. With their support, navigating complex tax laws becomes easier.

They ensure accuracy, saving you time and money. It allows for smart, growth-focused business decisions. The flexibility and scalability they provide are critical.

They align financial strategies with your specific business goals. Peace of mind is the greatest benefit.

Trusting in professional accounting services means trusting in success. It’s an investment in your business’s future, worth considering.

Did you find this article helpful? If so, check out the rest of our site for more informative content.

Reducing Risks and Increasing Resilience: Supply Chain Specialist Strategies

Supply Chain

Have you ever wondered how a supply chain specialist navigates the daunting challenges of today’s fast-moving global marketplace? Amidst the storms of disruption, there’s a craft to not surviving but thriving. This blog post unveils the secrets behind mastering the art of supply chain resilience.

You will learn powerful strategies that can turn any supply chain expert into a real architect of flexibility by the end. Here are some useful tips that will keep your business safe from unknown threats and make your supply chain the strongest part of it.

Understanding Risks in Supply Chain

The supply chain is very risky because there are possible threats at every link. These threats can come from the suppliers’ skills or the market’s flaws. To cut down on these risks, you must first understand what they are.

Types of Risks

The supply chain has to deal with operational, financial, strategic, and compliance risks in their way. Operational risks include things like broken systems or problems with logistics. Financial risks include things like changes in the market and rising costs.

Compliance risks depend on following rules and regulations in the industry. Strategic risks depend on how the market changes and what competitors do.

Unforeseen Failures

The 2011 floods in Thailand were one of the most telling examples of a broken supply chain. The global auto industry was affected because electronic parts couldn’t get to factories. It became clear after this event that risks can have a domino effect throughout the supply chain, showing the need for strong plans.

Strategies for Reducing Risks

Supply chain experts use a variety of methods to lower known risks. They use supply chain data to make the network safer and more efficient.

Technology Implementation

Leveraging supply chain finance technology can provide real-time data visibility, enabling quicker decision-making and risk response. By integrating advanced software solutions, such as those discussed at https://www.calculum.ai/supply-chain-finance-objectives, specialists gain insights into every aspect of their supply chain, identifying and addressing potential issues.

Diversification and Contingency Planning

Specialists also use technology to spread out their operations and networks of suppliers to lower risks. By using this method, you can make a backup that will protect you in case any part fails. Supply planning for a wide range of possible problems in the supply chain is another way to ensure that it stays strong and works even when things go wrong.

Enhancing Supply Chain Resilience

Cutting down on risk isn’t enough by itself. Also, supply chains need to be strong and able to recover from problems with little damage.

Building Resilience

Being resilient means flexible supply chains, teamwork, and coming up with new ideas. Flexibility lets you adapt to new situations and fosters closer teamwork all along the chain.

Additionally, it encourages the sharing of risk and response systems. Improvements in techniques, tools, and concepts keep the chain strong even when bad things happen.

Empowering the Supply Chain Specialist – A Vision for Future Resilience

In conclusion, it’s more important than ever to get help from someone who knows a lot about supply chains worldwide. Experts like these figure out the risks, make strong plans and build resilience to make sure that goods and services can move across borders.

Businesses don’t have to worry about problems that appear out of nowhere because of this. To do well in a future that is hard to guess, you need to grow and change as a supply chain specialist.

Want to learn more? Don’t forget to explore our other articles before you leave!

EDITOR'S PICK OF THE WEEK

CFO's new mandate. CFO explaining the presentation

The Performance and Transformation Orchestrator: The CFO’s New Mandate in the Age of AI

By Terence Tse CFOs are evolving into AI-driven transformation orchestrators, balancing finance, technology, and strategy while upskilling teams, managing risks, and driving measurable business value. A key insight from this year’s AI for CFOs event, organized...

WISE DECISION MAKER GUIDE

POWER INFLUENCERS

Emerging Trends

The Future of Global Trade