Business cycle stocks are stocks that change with economic fluctuations and are concentrated in traditional industries such as coal, oil, and steel. It is characterized by low valuation and high volatility, which is suitable for investors with insight into economic cycles to buy at low times and sell at peaks. Compared with ETFs that simply pursue stable returns, cyclical stocks can increase leverage and bring capital gains, but they need to pay attention to the timing of exits to avoid losses caused by a recession. During the investment process, it is crucial to choose a strategy that suits your risk tolerance.
Wealth inheritance should make good use of the annual gift tax exemption of NT$2.44 million. Cash gifts are flexible and tax-friendly, making them suitable for helping children buy a home. Real estate gifts need to consider the combined real estate tax and the risk of cost underestimation. It is recommended to increase the holding cost through buying and selling. When donating stocks, attention should be paid to valuation standards, as unlisted stocks are more risky. Policy gifting must ensure that the distribution of interests is in line with family consensus. It is recommended to consult a professional advisor to formulate a personalized plan to balance tax and family needs to ensure the smooth inheritance and appreciation of assets.
In the life insurance industry, some advisers may induce policyholders to purchase more insurance than they need, a practice known as profiteering marketing. The real purpose of insurance: It should be to improve life, not to make people work hard. Investments should be made within one's means and planned carefully to avoid the risk of inflation and insufficient claims in the future. With wise insurance choices, you can better protect your future.
"Money" "Protecting the future" After all, do you have money to use if something happens? Then you buy a lot of different types of insurance just to wait for that day in the future. What if nothing happens and everything goes smoothly? So what can you do with the insurance you bought? Wouldn’t it be all in vain? Just for peace of mind! ?
The climate in northern Taiwan is humid, especially in winter due to the influence of the northeast monsoon. Dehumidifiers have become a must-have household appliance. When purchasing dehumidifiers, you should give priority to "first-class energy-saving" models, and use government subsidies and shopping festival discounts to reduce electricity bills and purchase costs. For example, choosing a dehumidifier with a capacity of 9 liters is cost-effective, suitable for general room use, and provides continuous drainage function to enhance convenience. Excessive moisture affects health and quality of life. Taking advantage of promotions to upgrade older models is the best time to create a dry and comfortable home.
If you want to get a good deal when shopping online, using double discount coupons is the key! By combining store discounts with Shopee's full discounts, you can enjoy double discounts and significantly reduce shopping costs with just a little effort to figure out the price difference. This article shares actual cases and teaches you how to save more money, while also benefiting sellers and platforms. Whether you're a buyer or a seller, learn these tips and shopping will not only be cheaper, but also more fun!
Although many people like to have neatly arranged decorations, the snack cabinet really needs to have a sense of randomness. You can open it and reach in to grab a pack and eat it. Only in this way can you have the fun of winning a lottery. After all, life is already so boring. , there always needs to be more occasional fun!
Through the different price differences between the two countries, the profit in the middle is now about double. It only requires you to spend some time, switch from left hand to right hand, and act as a third-party relay point without hoarding goods for sale. Earn these price differences that most people don't know about. There are thousands of ways to make money. As long as you can find products that are in demand and the profits can meet your needs, in this age of advanced information, there is really no condition for starving to death!
In fact, Taiwan has always had a lot of one-day fans. If you don’t want to spend money and are too lazy to go out, you can’t find anywhere to watch live games, and you have less opportunities to discuss with Yibo and online friends.
In the past, the three oldest wireless stations were later joined by cable TV, which is what we commonly call Channel 4. In recent years, with the rise of streaming platforms, more and more people have stopped watching Channel 4. Industry players are also trying to find ways to sell it online, but there are too many online channels. Road issues are also not effective
