How to save money on your home Wi-Fi network
Just buy a router that can accept a 4G LTE SIM card and remember it should come with an RJ 11 phone…
Chen Fa. Miscellaneous Studies
Every encounter is a practice
Chen Fa. Miscellaneous Studies
Every encounter is a practice
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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operation of the policy, asset appreciation and dividends are not taxed, but if the policy is terminated or partially withdrawn, the gains exceeding the premiums paid must be included in the personal comprehensive income tax return.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.
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.
Taipower Power Saving Incentive
While saving electricity, it also helps you earn some bonus money. For every kilowatt-hour of electricity saved during the current period, the registered number of the activity can…
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.
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 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.
How to use leverage and cyclical stocks to improve asset allocation efficiency
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.
The rare sunshine in Lanyang in winter!
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.
How to use tax-free limits for cash, real estate, stocks and insurance policies to accurately pass on wealth?
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.
