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唔知嚟緊打算移民嘅你有冇為你嘅資產做好準備呢？你有冇諗過當地嘅搵錢方法同香港係可以天同地比？冇錯係稅務！相信好多人都聽過外國唔同嘅說都可以玩死人，以最多人去嘅英國為例已經有三大稅項等緊你，分別係入息稅資產增值稅同埋遺產稅。淨係入息稅都可以玩死好多人，所以你要識得善用入息免稅額!每個人每年嘅入息免稅額係12,570英鎊，只要你每年嘅收入唔超過呢個數就OK...
hope you’re well repair for your access while planning to move to the other country? Have you ever thought how to maintain your income when you moved there?
But you know, the tax problem can drive you crazy already. For example the UK the most common country that Hong Kong people loved, There are already three different taxes waiting for you, which is income tax, capital gains tax and inheritance tax. But if you know how to use your tax free allowance, you can relief the Financial burden on your shoulder more....

to be continued.

#移民 #稅務 #投資理財

點解要買危疾?
你知道嗎? 當嚴重疾病搵上門既時候，你預計的開支可能只係冰山一角😥😨

好多人都會諗到醫病需要好大洗費，但係又有幾多個會諗到，除咗醫療費之外，其實仲有一系列既潛在損失…
例如：
收入 -- 病咗點返工？ 冇工開邊有收入？ (到時真係我既訴求係返工！)
開支：平時既水電煤、電話、上網、供樓、供車呢D必須項目唔會因為你病而唔洗你交！

同埋一但患上呢D嚴重疾病，一般都要醫3-5年，你問下自己有儲定3-5年既開支？ 如果答案係冇或者唔夠既，咁醫保+危疾就好岩你，立即搵我幫你度身訂造啦！
🩺🔍😉😉

凡月薪逾3萬元的員工將不會獲得補貼，每名受惠的僱員每月獲發8千元。

臨時失業支援計劃 - 提供$10,000援助

申請日期：3月23日起

申請條件︰
1. 2021年第4季最少在港工作一個月，月入$2,700至$30,000

2. 沒有領取綜合社會保障援助

3. 沒有受惠於第六輪抗疫基金下的其他措施

4. 持有效香港身份證

5. 於2021年10月1日或之前年滿18歲

6. 就業狀況為：
於提交申請時已失業至少連續30天（包括提交申請當日）；或
現受僱於下列受第599F章所限的處所，並被僱主要求短暫停工，而於申請當日距離最後工作日至少30天（包括提交申請當日）

【臨時失業支援】政府就新冠肺炎再推保就業計劃 涉最多310億元 - CTHR 香港行政長官林鄭月娥今日（18日）在新型冠狀病毒疫情記者會宣布，將會重推「保就業計劃」，料涉及的金額約260億至310億元，將惠及110萬至130萬名僱員。林鄭月娥表示，是次「保就業計劃」與前一輪不同，將會新設申請條件....

Kong Hei Fat Choi Everyone! 😎
祝大家新一年，健健康康、開開心心、虎年行大運！

#燕梳 #852 #保險 #醫保 #財務自由 #強積金 #理財 #保險專業 #人壽 #投資理財 #保險投資相連 #財富 #財富管理 #吸引力法則 #年金 #富爸爸窮爸爸

Loss is worse than nothing, because it has a process called once.

失去比得不到更可怕，因為它多了一個過程叫曾經。

這句說話看似是愛情語錄，但同時亦可以套用在做生意上。

賺了一百萬、一千萬的開心，永遠都比不上一夜清盤、一鋪清袋的痛。

做生意的您，不論是大集團，還是中小企老闆，都很應該為自己的生意做好安全措施，

以防自己一直打拼的江山因為風險管理問題而失去所有。

#852 #保險 #醫保 #財務自由 #強積金 #保險專業 #人壽 #投資理財 #保險投資相連 #財富 #財富管理

Happy New Year!

Have you ever thought inflation matters? The number on the price tag has been increased many times from the past, a sundae cone was just $2 back to 20 years before, and it cost $5 now. How was this happen? Inflation. You may not care about that $3.5 in your pocket is there or not, but what if the amount is 10 times higher? What if I tell you it’s all connected to you? Inflation affects everything in world, meditation expenses are one of the highest inflation’s industry every single year, therefore your health care insurance premiums would only increase and needed to be paid forever. The good news is we have a choice for you, it’s about saving + health care, whether you have made a claim or not, you can still get your money back, more importantly you can choose how long to enjoy hospital bill-free for rest of your life. If you want to know more, feel free to DM me 🙂
你有冇諗過通脹嘅問題？試諗吓細細個買雪糕嘅時候都係兩蚊杯，原來過咗20年，而家已經要五蚊。你可能會話都係貴咗三個半姐我畀得起關我咩事姐？咁你再想像吓如果將條數乘十倍一百倍呢？點解每年都會聽到又加價三個字，就係通漲。通脹問題每年都影響緊好多嘢，其中最勁之一就係醫療支出，幾乎每年都加價咁滯！所以你嘅醫保保費只會不斷加價，比到你百年歸老嗰日都仲要比😩然而你可以有一個可以供斷嘅選擇，就係儲蓄醫療保，不論你有冇claim過都好，你都會有舊錢儲起左拎得返，重點係你可以自由選擇幾耐供斷你份醫保，公就你贏、字就我輸！如果你想知道更多，歡迎DM 我 ：）

#燕梳 #852 #保險 #醫保 #財務自由 #強積金 #理財 #保險專業 #人壽 #投資理財 #保險投資相連 #財富 #財富管理 #吸引力法則 #年金 #富爸爸窮爸爸 #保險業務員

There will never be a perfect time to start, so start now.



#燕梳 #852

If you're tired of starting over, stop giving up.





Follow us for more financial knowledge😉

#燕梳 #852

美聯儲主席鮑威爾暗示，由於通脹壓力不斷上升，美聯儲可能會加快縮債的步伐。

他明言未來數月加速完成Taper，嚇到投資者走夾唔唞，道指跌650點。

「隨着經濟持續走強，隨着我們看到持續存在的重大通脹壓力，這樣做的必要性明顯減弱，這就是為什麼我們宣佈將縮減購債規模，這就是為什麼我們現在説，我們將在下次會議上討論更快地縮減購債規模的原因。」
鮑威爾沒有説明緊縮的幅度會有多大。花旗集團分析師表示，美聯儲可能將縮債規模擴大一倍，至每月300億美元。

#燕梳 #852

Being rich is a state of mind. In a sense, you could be rich but still poor, and vice versa.

You can define “rich” in different ways. There are a lot of people who simply consider it as having a lot of money. For them, rich is equivalent to a being a millionaire.

But rich can also be psychological richness. It is an achievement of being able to live without the worry of money. You don’t necessarily need to own a castle to be considered rich. Everyone can be rich as long as we are able to do what we desire freely and to have the fulfilment in life. The key of it is to live with or even less than what you have. To be “normal” even when you are financially capable to do a lot more.

You might have your own preference on which definition suits you better, but here are some ways on how to get rich. It may help you achieve either (or both) of them.

#燕梳 #852

無論您是在上週還是 20 年前獲得駕照，重新認識自己的駕駛習慣永遠不會太晚。防禦性駕駛被廣泛認為是駕駛車輛時處理自己的首選方式。以下是我們的 5 個防禦駛技巧，讓您成為更好的防禦駛者！

Whether you earned your driver’s license last week or twenty years ago, it’s never too late to brush up on your driving habits. Defensive driving is widely considered the go-to way to handle yourself when you’re driving a motor vehicle. Here are our 5 driving tips to make you a better defensive driver!

1. 預測潛在危險，望多啲、遠啲！

預測危險並不意味著您在駕駛時必須對潛在的事故始終處於焦慮狀態，而只是意味著您應該做好萬一發生事故的準備。 為了讓自己做好最好的準備，請注意您面前發生的一切。 您是否靠近高速穿過車道的汽車？ 你前面車裡的司機在打電話嗎？ 你後面的車開得太近了嗎？ 請注意這種行為，如果您感到不安全，請嘗試離開。

Anticipating danger doesn’t mean that you have to be in a constant state of anxiety over a potential accident when driving, it simply means that you should be prepared in case an accident does occur.
In order to best prepare yourself, be aware of everything happening in front of you. Are you near a car that is weaving through the lanes at a high speed? Is the driver in the car in front of you on their phone? Is the car behind you driving too close? Be aware of this behaviour, and try and move away if you feel unsafe.

2. 避免內部干擾，唔好用電話！

以安全方式駕駛的最重要規則之一是避免來自汽車內部的任何干擾。 這些分心包括打電話或發短信、與乘客交談或過度關注廣播頻道。 您可以在駕駛時享受與乘客的交談或聽音樂，只要確保它不會分散您對道路的注意力。

One of the most important rules of driving in a safe manner is to avoid any distractions that come from the car internally. These distractions involve talking on your phone or texting, talking to your passengers, or focusing on radio channels more than you should. You can enjoy a conversation with your passengers or listen to music when you’re driving, just make sure that it doesn’t distract you from the road.

3. 塞車時更應該冷靜，唔好燥！

無論您是新手還是經驗豐富的司機，交通擁堵都很難管理。 情緒爆發，人們變得憤怒和焦慮，路怒症會沉澱。 但是，這是您在路上必須格外小心的地方。 確保您始終與前方車輛保持安全距離，並且始終注視道路，即使您認為不必這樣做。

Heavy traffic can be hard to manage whether you are a new or seasoned driver. Emotions flare, people become angry and anxious and road rage can precipitate. However, this is where you have to show extreme care on the road. Make sure that you always have a safe distance from the vehicle in front of you and that you have your eyes on the road at all times, even when you don’t think you have to.

4. 遠離大車！

大型車輛（如貨車）可能難以駕駛，而且充滿盲點，即使對於經驗豐富的專業人士也是如此。 了解這一點後，您應該與他們保持安全距離，為他們提供機動或改變車道所需的空間。 最重要的是，不要切斷它們，在經過它們之前留出充足的時間，並在惡劣天氣下格外小心。

Large vehicles such as semi-trucks are full of blind-spot and can be difficult to drive, even for seasoned professionals. Knowing this, you should maintain your safe distance from them, give them the space they need to manoeuvre or change lanes. Most importantly, do not cut them off, allow ample time before passing them and use extra caution during inclement weather.

5. 雙手握呔盤

您可能認為將一隻手放在方向盤上看起來很酷，但為了獲得最佳安全性，您需要雙手轉向。這適用於每個司機。控制方向盤需要您全神貫注。

You might think you look cool with one hand on the steering wheel, but you need to have both hands steering for optimal safety. This holds true for every driver. Controlling the steering wheel requires all your attention.

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以上是5個我們覺得對於廣大駕駛者都會有用的防禦式駕駛技巧，希望各位能夠學以致用，將防禦式駕駛觀念帶給你身邊最重要的人，減低道路事故發生的風險。

The above are 5 defensive driving skills that we think will be useful for the majority of drivers. I hope you can apply what you have learned to bring the concept of defensive driving to the most important people around you and reduce the risk of road accidents.

#燕梳 #852 #防禦式駕駛 #防衛式駕駛