Investment and insurance are important tools for financial management, but maintaining sufficient working capital (about 1/3 to 1/4 of income) is the key to ensuring financial security. Working capital funds should cover basic living expenses for 6 to 12 months to deal with emergencies or income interruptions, and be deposited in highly liquid and secure channels, such as living deposits and monetary funds. In terms of capital allocation, you can follow the rule of three: a balanced allocation of investment, insurance and working capital, and regular review and adjustment to ensure that life stability and asset growth are synchronized.
As inflationary pressures and mortgage burdens increase, the number of people with dual mortgages is increasing year by year. Improving your credit score can reduce the stress of future loans, and the key is good credit card utilization and repayment habits. This article provides three practical methods: increasing the credit card limit, keeping old credit cards to extend the credit age, and cautiously applying for new credit cards to help readers reduce credit card utilization and ultimately achieve better loan conditions.
This year should be felt by all of Taiwan. Since the government promulgated the new Qing’an housing loan policy last year, the housing market has been rising like a rabbit, and a lot of people are watching TV and following various celebrities. While scolding Xinqing'an for causing housing prices to rise indiscriminately, have you ever tried to look at this matter from another angle?
Regarding the matter of opening a store, because recently I was selling a store, and I kept encountering my first-time entrepreneurs. They came to look at the house, and then talked to me about various dreams, how to make and modify it, and I wanted a large space and cheap rent. With various dream conditions, I can only say that ideals are always full! It’s true that opening a store will make you a lot of money, but a new decoration will easily eat up your initial cost first. That is the non-recyclable item that is more exaggerated than the rent. After all, if you stop renting, you will not have to pay again. , but if you spend a lot of money on decoration, you will lose it immediately. Unless your home is really rich and you are not afraid of burning money, as long as the store is beautifully opened.
From signing the contract to getting the certificate of ownership, the process took less than a month to complete. The main reason was that I kept chasing, and I also took the initiative to interact with the bank and say hello. I was skillful in seizing the time and talking in a homely manner. It was a good person. Ways to bring each other closer. When friends see each other and they like each other, they will help you a little bit. In the future, some auction house may tell you first that there is a referral fee for referrals and transactions!
The so-called "linkage" records credit transactions between individuals and financial institutions. The total score can be up to 800 points. Regarding the retention period of various records, please refer to the regulations of the Financial Supervisory Commission for details. It is mainly compiled and collected by the Joint Financial Credit Reference Center. Through this information, a national credit database is built to ensure that people's credit transactions and the domestic financial system can be sound and stable.
The address of Love Wife on Anhe Road sounds really interesting. It’s not difficult to find there. It’s just a three-minute drive next to Luodong Sports Park!
Recently, many people have privately messaged me because 34 banks were invited to drink coffee by the government a few days ago, causing everyone to panic and ask what should I do if they are really stuck in getting a loan for buying a house? After learning about it in detail, I found out that many of them are not really unavailable, but the loans are ugly!
Policy borrowing means using the policy you purchased to borrow money from your insurance company. When the policy you purchased begins to have a "policy value reserve (referred to as premium)" as the years increase, you can apply for a policy loan from the insurance company based on your existing premium within the total policy price. Common ones include long-term life insurance, annuity insurance, etc.
As long as you buy a house for a higher price than your old house within two years after selling your house, you will be eligible for the tax refund for trading in a larger house. That overtax that sounds so scary will be written off immediately. dropped. This is the secret why rich people buy bigger and bigger houses! Because as long as I sell my original house and buy a more expensive and larger one, I can keep switching like this during the grace period. Directly, I will only pay interest forever, and I won’t be taxed heavily.
