Explore Pulses

The 50s are a 'foretold future'. Check out these seven variables: wage peak - income gap after retirement, timing of national pension, twilight divorce - death of spouse, medical expenses - care of parents. Prepare today and you'll have less anxiety tomorrow. #preparingforlaterlife #wagepeak #retirement #nationalpension #splitpension #survivorpension #medicalbills #caregivingbills #50sfinancialplanning #retirementpreparation

APEC summit in Gyeongju marks watershed in US-Korea tariff talks Global leaders will discuss supply chain, AI, and energy solutions at the APEC CEO Summit. This is a turning point for Korean companies and the regional economy. Let's watch together. #APECSummitGyeongju #KoreaUS tariff negotiations #APECCEOsummit #GyeongjuInternationalConference #US-ChinaSummit #SupplyChain #AI #Energy

The key to dagger investing is "low risk, high return". Distinguish between uncertainty and risk, and focus only on undervaluations with a margin of safety and economic moat within your capabilities. Few-Big-Infrequent, a few opportunities in a lifetime, big! Start pricing in value today. #short investing #value investing #safety margin #economic moat #focused investing #scope of competence #low risk high return #long term investing

Bank deposits aren't the only answer for short-term funding. Mix and match bills of exchange (high interest), RPs (collateralized safety - daily interest), and MMF-MMF ETFs (liquidity - low fees) to suit your needs. Revisit your portfolio now! #short-term #bills #RP #MMF #MMFETF #emergency fund #ultra-short-term investments #interest rates

If you're suddenly terminated from your job, the first thing you should check is the reason for your termination. Not all terminations are legal, and if you don't meet the criteria for just cause, you may be fired unfairly. There are three types of dismissal: ordinary dismissal, disciplinary dismissal, and redundancy, each with different requirements and procedures. In particular, dismissals based on gender, age, parental leave, and union activity are common examples of unfair dismissals that are prohibited by law. If you've been fired without just cause, you may be able to get reinstatement or back pay by filing for relief with the Labor Commission. If you've been fired, it's important not to make assumptions on your own, and to read up on the standards and procedures. #unfair dismissal #reasons for dismissal #justifiable dismissal standards #types of dismissal #ordinary dismissal #disciplinary dismissal #layoffs #labor commission #workplace rights

On the morning of November 22, Bitcoin is trading slightly higher at $128,867 on Upbit, with a kimchi premium of around 2.5% on Binance. Domestic buying remains intact, but global markets remain in the extreme fear zone in the wake of massive liquidations and ETF outflows. Technically, the RSI is oversold, the Bollinger Bands are near the bottom, and the MACD continues to show bearish momentum, suggesting a short-term bounce but a weak trend reversal signal. Until the $80,000 support is confirmed, a wait-and-see approach is more favorable than a rush to buy. #bitcoin #upbit #cryptocurrency #KimchiPremium #panic #panicmarket #oversold #splitbuy #riskmanagement

South Korea will enter an ultra-elderly society in 2025, with the national pension age rising to 65, but the legal retirement age is still tied to 60. The years in between become an income cliff with no work and no pension, a key contributor to poverty in old age. So the debate about raising the retirement age to 65 has become a matter of survival, not choice. However, we need to address challenges such as the burden of labor costs on companies, the decline in youth employment, and the annualized wage system. We need a Korean model that combines wage adjustments, continued employment, and job reorganization like the Japan-Denmark case, and a social agreement to share the costs across generations. #retirement age #ultra-aged society #income cliff #pension reform #pension #pension planning

Fractional investing is a way of investing in expensive real estate or artwork that is shared by multiple people. It's gaining attention as a 2030 financial tool because it allows people to experience real estate investments that would have required large amounts of capital in the past. In real estate sculpture investments, you can expect rent dividends and sale profits, and in art sculpture investments, the profit is determined by the increase in the value of the artwork. However, it is important to consider that the investment period is longer than 3 years and the trading volume is low, making it difficult to cash out immediately. When you're first starting out, it's important to focus on understanding the structure and risks rather than the returns. #sculptureinvestment #realestatesculptureinvestment #artsculptureinvestment #smallinvestment #2030finance #realassetinvestment

If you own a car, car tax is one of the fixed expenses you pay every year. It's usually paid in June and December, but you can reduce your taxes by taking advantage of the car tax deferral program. The best time to do so is between January 16 and the end of the month, when you can save 4.6 percent of your annual car tax. You can apply through WeTax, the mobile app, or in person at your local government office. The car tax varies depending on the displacement and age of the car, and used cars can get an additional discount the older they are. If you sell or scrap your car after paying the tax, you'll still get a refund for the remaining years. Car tax is an easy tax to lose money on due to information gaps. This year, start cutting out unnecessary expenses by paying in January. #paycartaxinjanuary #cartaxdiscount #cartaxsavings #cartaxapplication #withax #cartaxrefund #cartaxrebate #usedcarreductions #carmaintenance

Bitcoin has captured the attention of investors with a dramatic V-shaped bounce in just 12 hours. The market, which briefly dipped below $110,000 in the wake of Trump's tweets, has since reclaimed the $170,000 mark thanks to a sharp short squeeze and Ethereum-led strength. This bounce is significant because it's not just a technical rebound, but a combination of pending funds and global investor sentiment. However, in the short term, we have entered overbought territory, so a correction is possible. 💡 Today's lesson Opportunity follows fear Institutional money and global flows change the direction of markets Risk management is essential after short-term spikes This cartoon is a hilarious take on market tensions and reversals. We hope it helps you keep a smile on your face during tough markets, but also reminds you of a prudent investment strategy.