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If you're constantly busy, it usually means you're doing the wrong thing.

Month: February 2025

Is investment-type insurance tax-exempt?

Investment-type insurance is not completely tax-free, but it does enjoy the advantage of tax deferral.

During the internal operation of the policy, asset appreciation and dividends are not taxed, but if the policy is terminated or partially withdrawn, the gains exceeding the premiums paid must be included in the personal comprehensive income tax return.

Death benefit proceeds are usually tax-free, but if the estate exceeds the tax-free amount, it is still subject to estate tax.

Compared with directly holding ETFs, investment policies can defer taxation and are suitable for long-term asset allocation, but frequent withdrawals still have tax costs.

Extend the drain pipe yourself, it’s easy and saves money!

It is actually very simple to extend the drain pipe, and you can save the cost of a technician by doing it yourself.

Prepare a drainage pipe with a diameter similar to the original pipe, a slightly smaller PVC bridge pipe, hard adhesive and electric fire cloth.

The steps include measuring and cutting, joining pipes, applying glue, letting them dry and sealing them.

The whole process takes about five minutes, and you can use it after the glue dries.

Not only can it save money, but it can also improve DIY skills and solve drainage problems during home appliance installation.

Lows

Cherish the low points in your life, because they are the most real times. There is no false praise, no deliberate disguise, just...

Should there be an extra charge for a second haircut?

Occasionally, hairstylists may encounter customers who ask for a further shortening after a haircut. This is considered an "unnecessary secondary cut" and is usually charged extra.

Necessary secondary cutting often occurs after perming, dyeing or washing.

What bothers hairstylists the most are customers who decide while cutting, because different lengths require different cutting methods, and repeated modifications will affect the overall structure.

If you want to avoid repeated trimming, you can use the APP to simulate the appropriate length first, and then communicate with the hairstylist to respect professionalism and make the haircut go more smoothly.

Yuanchen Palace: symbolizes inner energy and fortune

The Yuanchen Palace (also known as the Soul Palace) is a space that symbolizes inner energy and fortune, and is usually presented in a visual way.

Based on your personality, fortune ranking and style preferences, a natural Yuanchen Palace will be drawn for you and an interpretation will be provided.

ChatGPT can help you draw your Yuan Chen Palace. Just log in and enter your birthday and preferences, and it will help you create your own inner world.

Yilan 3-Day Pass

The long-awaited Yilan exclusive version of TPASS 2.0 will be released and sold on 2025/02/12. Each ticket is priced at NT$299. The ticket can be used immediately after purchase and can be used continuously for 72 hours.

You can bring an e-ticket that is not bound to any Tpass plan, that is, EasyCard or All-in-One Card, to the National Highway Bus Ticket Office to bind it to the 3-day ticket plan.

This plan covers: New Taipei City-Yilan commuter highway bus, Taiwan Railway (New Taipei City Fengming Temporary Station to Hualien Heping Station) and Yilan County city buses.

Romance, insight

If your romance is based on remembering various holidays, arranging activities, and giving gifts, then I probably am not a person who understands the public definition of "romance".

For me, romance lies in the little details of everyday life.

Let’s not talk about how you treat people and deal with things. After all, this requires the person involved to be careful to notice it.

Waterproofing

After buying and selling a used house, waterproofing is particularly important, especially in water-logging areas such as rooftop balconies.

Although there is a five-year civil law warranty against water leakage, if problems occur, repairs may damage the structure and litigation will be time-consuming.

Common waterproofing materials include PU, waterproof blanket and elastic cement, among which elastic cement is cheap and has ductility.

The cost of hiring workers to carry out the work is high, mainly due to the shift fee and the time cost calculated based on the number of coating layers.

If the area is small, you can operate it yourself and save unnecessary expenses.

The Role and Value of Insurance Brokers

An insurance broker is the agent of the insured, who prioritizes the interests of the client and assists in planning the most appropriate insurance package without being restricted to a single insurance company.

Compared with life insurance agents who sell products from the company's perspective, brokers can choose the best options based on the market to ensure that customers' interests are maximized.

The reason for choosing to become an insurance broker is to provide more objective and diversified protection plans, so that insurance can truly play its due value and safeguard the future of customers, rather than just serving the interests of insurance companies.

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