When buying a house, you can’t just look at the total price. The decoration and renovation costs are the real hidden costs. Whether it is a new house or a used house, subsequent decoration must be paid for by the buyer and is not included in the loan, which often makes people realize that their budget has exceeded the limit after buying the house. You should estimate the decoration costs when viewing a house and include them in the total cost comparison, so that you can choose an ideal house that truly meets your budget, has a good location and is safe to live in.
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.
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 ductile. 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.
Taiwan's housing prices continue to rise. Although there has been a slight correction due to the impact of the housing crackdown policy, the overall trend is still upward due to long-term inflation and price indices. Housing prices in both north and south are high, and Chiayi City has become a potential choice. Almost the entire city is designated as an urban planning area, and housing prices are affordable. With the development of high-speed rail and the future entry of TSMC, the potential is significant. However, before investing, you need to evaluate demographic, economic and market risks and make prudent decisions.
Many ups and downs occurred in 2024. In the face of bad things, I chose to devote my time and energy to learning and successfully obtained dual licenses as an insurance agent and a real estate brokerage salesperson. Although my future plans are not clear, I believe that continuous learning and exploration can make life more interesting. The parallelism and diverse perspectives brought by miscellaneous studies can often inspire unexpected possibilities. I look forward to adding highlights to my life through new skills and experiences in the future, continuing to expand my possibilities and horizons, and welcoming more exciting days.
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.
A parent donated RMB 2.44 million to each of his two children. Since each child did not exceed the annual tax exemption, no special declaration of gift tax was made. After verification by the National Taxation Bureau, because the total amount of gifts exceeded 2.44 million yuan, the company was required to pay the excess gift tax of 10%, totaling 244,000 yuan. What exactly is the problem?
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?
