자기개발과 경제 이야기
자기개발과 경제 이야기

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자기개발과 경제 이야기

자기개발에 대한 정보와 경제에 대한 다양한 내용을 소개합니다.

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경제
5 min read
October 14, 2025 21:57

Shorter stock settlement cycles, the T+1 era is here

The stock settlement cycle is shortening from T+2 to T+1. Learn about the change, the impact on investors, and the global trend of getting paid for selling stocks one day earlier. What is an equity settlement cycle? Stock settlement cycle refers to the time it takes for money and shares to actually move back and forth when you buy or sell stocks. Trading stocks is just a click away on your brokerage app, but behind the scenes, there's a complex clearing and settlement process. This is because the Korea Exchange needs to confirm the transaction details, and the Korea Securities Depository and Clearing Corporation needs to exchange the money for the actual shares. Currently, two days after the trade date, Korea's...

#주식 결제 주기 단축 #T+1 결제 #주식 정산일 변경
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경제
5 min read
October 11, 2025 21:41

Take advantage of the capital gains tax savings on interior expenses, here's all you need to know

Learn how to save on capital gains tax on home improvement expenses. From distinguishing between capital and revenue expenses, to what expenses you can claim, to preparing supporting documentation, we've put together a list of practical tips for reducing your capital gains taxes. Can home improvement expenses reduce your taxes when you sell your home? If you sell your home and make a profit, you'll owe capital gains tax on the proceeds. Many people don't realize how much they owe until they receive their capital gains tax bill. But there are ways to reduce your capital gains tax by claiming your home improvement expenses as necessary expenses. The key is to properly organize and document your home improvement expenses...

#인테리어비용 #양도세 #양도소득세
458 0 0 P 31.0
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경제
5 min read
October 08, 2025 17:38

Legal considerations before using a foreign currency trading second-hand platform

Trading foreign currency on a second-hand platform can save you money on currency conversion fees, but it can also result in fines for violating the Foreign Exchange Act. Here's the $5,000 exception and three ways to make your transactions legal. Why buy and sell foreign currency on a second-hand platform Many people turn to second-hand platforms to buy and sell the extra dollars or yen in their wallets after a trip abroad, or the foreign currency they need for their next trip, because banks and currency exchanges charge higher exchange fees than you might think, especially for small amounts of currency. In fact, second-hand countries, carrot...

#외화 거래 #외국환거래법 #환전 수수료
450 0 0 P 24.0
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경제
4 min read
October 08, 2025 17:25

A Complete Guide to the U.S. Government Shutdown The first government shutdown in seven years

An easy-to-understand explanation of the causes and impacts of the US government shutdown. See what the shutdown will change, including the failure to reach a US budget agreement, the Obamacare subsidy debate, government furloughs, and more. What is a US government shutdown? The U.S. federal government is in its seventh shutdown in seven years. Shutdown literally means to close, so when the U.S. government is shut down, it means that government functions have stopped. A government shutdown is more than just closing government offices: federal employees are furloughed, and most government operations are halted except for essential services. The public's...

#미국 정부 셧다운 #미국 예산안 #오바마 케어 보조금
426 0 0 P 27.0
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경제
5 min read
October 08, 2025 12:12

Holiday Bonus Pay Obligations, Key Information You Need to Know

From your legal obligation to pay holiday bonuses to the Labor Standards Act, we've put everything you need to know about Lunar New Year and Chuseok bonuses in one place. Plus, check out our non-discrimination rules for full-time and part-time employees. Table of contents What are holiday bonuses? Are you legally required to give them? If it's in your employment rules Can you give different amounts to different workers? No, not just because I'm a temporary worker Frequently asked questions Final thoughts What are holiday bonuses? When a big holiday like New Year's Day or Chuseok rolls around, there's one thing that employees look forward to: holiday bonuses. These are the bonuses that companies give their employees for the holidays...

#명절상여금 #상여금지급의무 #근로기준법
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경제
4 min read
October 08, 2025 11:29

Improved economic penalty rules reduce burden on small businesses

The government's reform of 110 economic penalties will significantly reduce the burden on small businesses and the self-employed. Minor violations of obligations will be fined instead of punished, and excessive regulations that have stifled business activity will be eased. Table of contents Key takeaways from the rationalization of economic penalties Key examples of the shift from penalties to fines Regulatory relief for businesses Frequently asked questions Highlights of the economic penalty rationalization improvements The first round of economic penalty rationalization announced by the government includes 110 penalty reforms. Until now, small businesses and the self-employed have been subjected to minor violations due to simple mistakes or lack of knowledge of regulations...

#경제 형벌 규정 개선 #경제 형벌 합리화 #과태료 전환
398 0 0 P 26.0
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경제
4 min read
October 04, 2025 06:19

The Complete Guide to Getting Reimbursed for Medical Expenses with Out-of-Pocket Maximums

Learn how to get reimbursed for excess hospital expenses under the out-of-pocket maximum. We explain the details of the National Health Insurance Medical Expense Assistance Program, including who is eligible, how much is reimbursed, and how to apply. Have you ever postponed medical treatment because you were worried about the cost? If you're overwhelmed by the amount of medical expenses you've incurred in a year, you should definitely check out the National Health Insurance Corporation's out-of-pocket maximum. It's a program that reimburses you for medical expenses that exceed a certain amount. Table of contents What is the out-of-pocket maximum? What's eligible for reimbursement and what's not How to apply for reimbursement Frequently Asked Questions Closing thoughts What is the out-of-pocket maximum? The out-of-pocket maximum is the amount of money you have to pay for health insurance...

#본인부담상한제 #병원비 환급 #국민건강보험
477 0 0 P 25.0
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경제
6 min read
October 03, 2025 13:38

The Secret to the Gold Price Surge: Is Now the Time to Invest?

Gold prices have surged 40% in nine months to new all-time highs. We analyze why interest rate cuts and Trump policies have driven gold prices higher, and how to invest in gold bars, gold passbooks, gold spot accounts, and even gold ETFs. The price of gold has been crazy lately While the stock market has been hitting record highs lately, there's one asset that's been quietly soaring. That asset is gold. From around $2,600 an ounce at the start of the year, the international price of gold has surged more than 40 percent, topping $3,775 in September. The same is true domestically. With the price of a single ounce of gold approaching $700,000, up from around $500,000 earlier this year, major...

#금값 #금 투자 #금 투자 방법
487 0 0 P 26.0
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경제
4 min read
October 02, 2025 10:49

How to repair your credit score by removing a late payment history

Learn the conditions for delinquency removal and how to repair your credit score. Learn practical ways to remove delinquencies and get out of financial restrictions with good faith repayment assistance. The penalties of a late payment history When you don't pay your credit card bill or loan interest on time, a late payment history is recorded with the credit bureaus and credit reporting agencies. This information is shared with all lenders and directly affects how you're considered for loans, issued credit cards, and calculated your credit score. Once you have a late payment history, the first thing you'll experience is loan denials. Even if you're in desperate need of funds, you can still knock on the door of a bank or savings...

#연체이력삭제 #신용정보원 #신용평가회사
458 0 0 P 26.0
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경제
9 min read
September 28, 2025 20:14

At the end of the dark tunnel, new doors of credit open for good repayers

You've walked a long tunnel with no end in sight, and now there's light at the end of the tunnel. I admire your diligence and responsibility in finally laying down the heavy burden of debt that has been weighing on your shoulders for the past few years. Despite the pressure of the monthly repayment date, the seemingly insurmountable principal amount, and the uncertainty about your future, you never gave up and kept your promise. The government's 'Good Faith Repayment Credit Recovery' support scheme is not just a financial policy; it is a way to recognize those who have stood firm and fulfilled their responsibilities, even in difficult times...

#성실 상환자 신용회복 #연체 이력 삭제 #신용점수 상승
481 0 0 P 34.0
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