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

Month: June 2025

Q2: What is the difference between hair conditioning and hair care?

Q2: What is the difference between hair conditioning and hair care?

A: The main difference is the molecular size of the two components.

Conditioner has larger molecules and only makes the surface smooth.

Hair Mask has small molecules and can penetrate deep into the hair core for repair. It is recommended to use it 1 to 2 times a week.

If financial conditions permit, daily care can be replaced by molecular hair care products, which will have a better effect on hair quality than going to a hair salon frequently for hair care.

Q1: Will washing my hair every day damage my scalp?

Q1: Will washing my hair every day damage my scalp?

A: Not necessarily, it depends on the condition of your scalp.

Oily scalp can be washed every day, while dry or sensitive scalp is recommended to be washed once every 2 to 3 days.

The key points also include whether the pH value of your shampoo is too high and whether you blow-dry your scalp immediately after washing your hair.

Can ETFs really make money? Is it worth it for me to use leverage?

When you see that the ETF has a stable annual return rate of 6%, don’t rush to use leverage and rush into the market!

After deducting the handling fees, dividend tax and inflation, the actual amount in your pocket may be less than 5%.

If you still use credit investment, the interest rate spread will be very thin and the risk will be doubled, which will make you become a leek swallowed by inflation.

It is recommended for beginners to use spare money and make long-term and stable plans.

"I don't want to hear about insurance!" I don't want to hear about it, and I don't need it

Many people say that they hate insurance, but in fact what they hate is not the insurance itself, but the feeling of powerlessness in the face of risk itself.

Risks are everywhere. Instead of bearing them yourself, it is better to choose to transfer them.

Insurance is the most practical risk transfer tool.

I don’t force anyone to buy insurance, but you should at least think seriously about this: when risks arise, have you figured out how to deal with them?

Are investment policies really scary? In fact, the risk is lower than you think!

Many people mistakenly believe that investment-type insurance policies are very risky. In fact, their risks can be freely adjusted according to personal attributes and they also have protection functions.

By combining stable targets with a long-term holding strategy, you can not only accumulate assets, but also withdraw them flexibly and use them flexibly.

With the help of a dedicated person, you can plan your life with greater peace of mind.

When it comes to saving money, the biggest dilemma for most people is

The reason most people cannot save money is actually due to psychological barriers, including difficulty in delaying gratification, abstract goals, financial anxiety, etc., which make people feel that saving money is as desperate as continuous blood loss.

If you can design a system that makes you happier the more you save money, such as giving yourself interest rewards on a regular basis, you can make saving money easy and natural, and start becoming rich by making money from scratch.

The simplest inheritance law

The insurance industry often promotes "direct inheritance" as the best tax rate, but it may not be suitable for all situations.

If there is a need for reinvestment, it would be more advantageous to adopt the method of buying and selling inheritance and registering at a high actual price, especially for properties in urban planning areas.

Real asset allocation should take into account loan ratios, tax burdens, and future cash flexibility. It should not rely solely on SOPs, but should plan the optimal solution from the overall perspective of the customer.

The biggest investment risk is yourself!

The biggest investment risk is yourself!

The current depreciation of the Taiwan dollar is in a "cat-shaped trend", and the US dollar is expected to rise by 9.3% if it returns to its historical average price.

Entering the market at this time, combined with steady annual investment and the effect of compound interest, can greatly enhance asset growth.

You can only make money from exchange rate once, but you can make money from compound interest for a lifetime.

Don’t wait until you have money to save. Now is the best time to start. Only by choosing the right products and finding the right planner can you truly move towards financial freedom.

Through insurance and land administration, assets can be magnified and tax sources can be reserved

Through insurance and land planning, tax sources can be reserved in advance and assets can be maximized to prevent future generations from giving up inheritance due to inability to pay inheritance tax.

Insurance claims enjoy tax exemptions, and real estate disposal can be achieved through direct inheritance, gift, or sale and purchase, depending on the years of acquisition and its appreciation potential, to achieve the best tax savings.

Accurate arrangements can be made based on age, existing insurance policies, and property types to make inheritance safer and the second half of life more worry-free.

Have you ever heard of the term "reserved tax source"?

If the estate exceeds the tax-free amount, the tax must be paid before inheritance, otherwise the transfer cannot be made.

Many people are forced to abandon their inheritance or raise money from all over because they have no "reserved tax source".

Only by planning ahead and increasing reserved tax sources in a legal manner can you pass on your hard-earned wealth to future generations and avoid your family facing the pressure of huge inheritance taxes.

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