tag:blogger.com,1999:blog-28960484962514520532024-11-01T01:23:41.163-07:00理財! 邁向財務自由人生邁向財務自由很簡單, 心動不如馬上"行動"!!
開始理財,投資,開創非工資收入囉~~~Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.comBlogger51125tag:blogger.com,1999:blog-2896048496251452053.post-69705355160607953832014-10-01T06:59:00.000-07:002014-10-01T20:56:45.312-07:00打造一個自己專屬的財富金字塔<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnMb_VILBORSiW6EfCg6JccZGKxRfd-MlBkUZY1wlpH0bVdg8j3dsdfsEgfgcgWXFdO0aS9h56KeExJFRSJKq-c1c7VfC_paw5rXF8FBG2hSrsW1Bc7H35D5aTav33fHpRs73pf0VxHUw/s1600/%E8%B2%A1%E5%AF%8C%E9%87%91%E5%AD%97%E5%A1%94%E5%9C%96.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnMb_VILBORSiW6EfCg6JccZGKxRfd-MlBkUZY1wlpH0bVdg8j3dsdfsEgfgcgWXFdO0aS9h56KeExJFRSJKq-c1c7VfC_paw5rXF8FBG2hSrsW1Bc7H35D5aTav33fHpRs73pf0VxHUw/s1600/%E8%B2%A1%E5%AF%8C%E9%87%91%E5%AD%97%E5%A1%94%E5%9C%96.PNG" /></a></div>
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財富金字塔的觀念是: 不能把所有的錢都拿去做高風險高獲利投資, 先保本再求獲利.<br />
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上圖是我的財富金字塔, 同樣的觀念套用給不同的人, 每個人根據自己的風險容忍程度, 可以設計出最適合自己的財富金字塔.<br />
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當綠色那塊的收入>你的支出時, 恭喜你達到財務自由了!!!<br />
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-92102444648753152072014-05-18T06:29:00.000-07:002014-07-29T02:15:28.817-07:00[2014綜合所得稅] 合法節稅省很大!!!!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOKb7Gh7cZBcUsf-7XAI7RNkdQCrmVWgOvxBBHoyVC5z0cO4kbKY5Ie6PurVtqoJa6O5OjzaqtGs5FDURHoauBLlaQIg4BSOHEQuCtAjXf9MX2iBQmBAHpy6AIayczzCZXW5SBoFYABBA/s1600/card.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOKb7Gh7cZBcUsf-7XAI7RNkdQCrmVWgOvxBBHoyVC5z0cO4kbKY5Ie6PurVtqoJa6O5OjzaqtGs5FDURHoauBLlaQIg4BSOHEQuCtAjXf9MX2iBQmBAHpy6AIayczzCZXW5SBoFYABBA/s200/card.PNG" height="125" width="200" /></a>五月到了!!!! 又要被搶劫了 :(<br />
不! 身為好國民, 納稅是應盡的義務!<br />
<span style="color: red;">千萬不能逃漏稅</span>, 我們只能盡可能的合法節稅囉!<br />
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現在報稅越來越簡單了!<br />
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STEP 1: 到戶政事務所申請"<span style="background-color: lime;">自然人憑證</span>"<br />
STEP 2: 到<a href="http://tax.nat.gov.tw/info_IRX_download.html?id=1" target="_blank">財政部</a>下載"<b style="font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 23px;">個人綜合所得稅電子結算申報程式</b>"<br />
STEP 3: 準備一台讀卡機<br />
======> 然後就可以開始報稅啦!<br />
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按照報稅程式的指示一步一步做, 就自動帶出收入,可抵稅的各種資料<br />
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<span style="background-color: yellow;">0. 可以新增扶養人數</span>, 當然是能報越多人越好, 不過要注意被撫養人的收入也算你的收入喔!<br />
如果她有收入的話, 那也要低於可抵稅額, 這樣申報他才有節稅<br />
<span style="background-color: lime;">不只直系親屬, 只要是同居一家的無謀生能力親屬都可以撫養喔</span><br />
<span style="background-color: white; color: blue;">未滿70歲者,每人可抵扣8.5萬, </span><br />
<span style="background-color: white;"><span style="color: blue;">年滿70歲的直系親屬,每人可抵扣12.75萬,</span></span><br />
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列舉扣除額的話,可以再手動新增:<br />
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<span style="background-color: yellow;">1.租屋或是房貸利息,只能擇一申報</span><br />
租屋的上限是12萬<br />
購屋借款利息上限是30萬, 款項是以借款利息要減掉儲蓄利息後之餘額, 且每一申報戶以一屋為限. 假設貸款利息是15萬, 但是存款利息有5萬, 那就只能申報10萬,這邊有一個小小撇步,保險類定存的利息是不被當作存款利息的, 可以利用一下!<br />
<span style="color: blue;">EX. 1000萬利息2%的貸款,每年利息20萬, 稅率20%, 每年少繳稅4萬, 同樣的錢做類定存,利息同樣2%, 又可以幫你賺回20萬, 這樣操作等於是賺了4萬</span><br />
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<span style="background-color: yellow;">2.非健保保險費:</span> 自己和父母的都可以, 每人<span style="color: blue;">上限2.4萬</span> (有些人會買儲蓄險來節稅)<br />
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<span style="background-color: yellow;">3.醫藥費:</span> 自己和父母的看病收據都可以報, 大醫院的資料可以自動帶入, 其他小診所的收據平常就要收好, 這個時候就有用啦!!<br />
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<span style="background-color: yellow;">4.捐贈:</span> 捐土地, 現金都可以, 但都要有收據<br />
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<span style="background-color: yellow;">5. 財產損失</span>: 房屋交易損失或因為天災受損之類的損失(這項可能比較不常遇到)<br />
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<span style="background-color: lime;">6. 等到快5/31在報稅</span>.....多少賺一點稅的利息錢回來囉 :P<br />
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<span style="background-color: cyan;">7. 利用信用卡繳稅</span>, 配合銀行給的優惠再賺一點點回來<br />
例如: 2014年國泰世華卡,可分期, 前5期0利率<br />
<span style="font-size: 13px; text-align: center;"> </span><b><span style="text-align: center;">下表來自</span><a href="http://www.cardu.com.tw/news/detail.php?nt_pk=4&ns_pk=22453" style="text-align: center;" target="_blank">優卡網</a></b><br />
<img src="http://www.cardu.com.tw/image_upload/news/18/D20140505131006.jpg" /><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNkxTPOr3lZdphmQuqrGiTaChkrCj-Vn1UxKnWrWozEwZCglGUZsRr9UFyuCsQnTmM2vDLu1JfLoF8xATVdMcRmWZp1_4XTHewIag2aY8zlUNGl9IQAP52nGxiqanWw30SrYXWrivK2qo/s1600/inflation.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNkxTPOr3lZdphmQuqrGiTaChkrCj-Vn1UxKnWrWozEwZCglGUZsRr9UFyuCsQnTmM2vDLu1JfLoF8xATVdMcRmWZp1_4XTHewIag2aY8zlUNGl9IQAP52nGxiqanWw30SrYXWrivK2qo/s1600/inflation.PNG" /></a></div>
我們常常聽到"<span style="background-color: yellow;">通貨膨脹</span>", 後果是你手上的貨幣越來越不值錢, 但是你知道為什麼嗎??<br />
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這邊我用2個非常簡單的例子讓大家一分鐘搞懂"通貨膨脹"<br />
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A 把 100萬存到銀行裡, 銀行只要在電腦上跟A的存簿裡紀錄"A存進100萬", 銀行就可以把這真正的100萬再拿去借給B. 這樣一來, <span style="color: red;">本來只有100萬的錢, 經由銀行的存款跟借貸行為, 變成帳面上有200萬</span>(A有100萬, B也有100萬), 這就是通貨膨脹! 市場會認為多了100萬可以流通, 這樣的行為不斷的發生, 膨脹出來的錢可以從100萬變成1000萬, 1億, 1兆 ......更多更多, 而當市場誤以為有更多更多的錢, 而你手上的錢的數量卻不變, 它的價值就相對變低了, 這就是通貨膨脹造成貨幣不值錢的原因之一<br />
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更重要的原因當然就是<span style="background-color: yellow;">"印鈔票"</span>.....印鈔票會讓市場上流通的錢數量真正變多, 所以每一塊錢的價值就相對降低<br />
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為什麼可以印鈔票呢???<br />
因為某些看似合理的機制, 讓可以印鈔票的機構"合理"地決定<span style="color: red;">把未來的錢現在先印出來用</span><br />
當政府沒錢的時候, 會發行"債券", 假設政府需要10億, 所以發行了10億的債券, 承諾15年後會還15億給買債券的人, 如果是一般銀行或是民眾花了10億買了債券. 就像一般的借貸一樣, 定期可以收到政府還得本金和利息. 如果是讓可以印鈔票的聯準會買下債券, 量化寬鬆下他們可以直接印出15年後的5億, 所以流通的貨幣總數變多, 每一塊錢的價值就降低<br />
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哈哈~~ 瞬間搞懂通貨膨脹了吧!<br />
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<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-79617608866860674262013-11-14T07:37:00.000-08:002014-07-29T02:11:01.330-07:00[地價稅]<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgHRDrHiCPpE0P531REknKcZ69q3Wc29L3MTE4MnSIKBu3Mv-6V3qVDXhTYOUERitur1Rara0ufVANXYwDNFUul9zdY1r74POO4fhe_aklaiqXmadAzxHVBZh6YTryqs5GfviY8lXxnvk/s1600/%E5%B0%8F%E8%9D%B8.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgHRDrHiCPpE0P531REknKcZ69q3Wc29L3MTE4MnSIKBu3Mv-6V3qVDXhTYOUERitur1Rara0ufVANXYwDNFUul9zdY1r74POO4fhe_aklaiqXmadAzxHVBZh6YTryqs5GfviY8lXxnvk/s200/%E5%B0%8F%E8%9D%B8.PNG" height="186" width="200" /></a><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span>
<span style="font-family: Arial, Helvetica, sans-serif;">十一月正好是繳納地價稅的時間(<span style="background-color: white;"><span style="color: blue;">繳費期間11/1~11/30</span></span>), </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">地價稅的稅率分為<b><span style="background-color: white; color: #333333; font-size: 15px; line-height: 20px;"> </span><span style="background-color: white; color: red; font-size: 15px; line-height: 20px;">自用住宅0.2%</span></b><span style="background-color: white; color: #333333; font-size: 15px; line-height: 20px;">, 其他1%</span></span><br />
<span style="background-color: white; color: #333333; font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 20px;">差了五倍耶!!! 能用自用住宅就盡量申請吧~~~</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: yellow;"><span style="font-size: 12pt; letter-spacing: 0.75pt;">★ </span>申請自用住宅很簡單:</span><span style="background-color: white;"> <br />(本人跟配偶只能申請一間喔! 所以選地價稅貴的來申請吧)</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">時間: 每年的<span style="color: red;"><b>9月22日</b></span>之前申請, 當年度就可以用自用住宅的優<br /> 惠稅率囉~~</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">流程:</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> A. 先到<span style="background-color: white; color: magenta;"><b>戶政事務所</b></span>辦理戶籍遷入, 要攜帶的文件有</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> 1. 你原本戶籍所在的<span style="background-color: white;">戶口名簿正本</span></span><br />
<span style="background-color: white;"><span style="font-family: Arial, Helvetica, sans-serif;"> 2. 身份證 & 印章</span></span><br />
<span style="background-color: white;"><span style="font-family: Arial, Helvetica, sans-serif;"> 3. 建物權狀正本</span></span><br />
<span style="background-color: white;"><span style="font-family: Arial, Helvetica, sans-serif;"> 4. 近三個月2吋大頭照一張<br /> (因為會重新身分證)~~不過沒帶的話,也可以沿用舊照片</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> B. 再到<span style="background-color: white; color: magenta;"><b>稅捐處</b></span>辦理自用住宅申請, 要攜帶的文件有</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> 1. <span style="line-height: 26px;">戶口名簿影本(剛剛遷入的新戶口名簿)</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 26px;"> 2. 土地和</span><span style="line-height: 26px;">建物所有權狀影本(其實帶正本去, 他們也會幫你影印)</span></span><br />
<span style="line-height: 26px;"><span style="font-family: Arial, Helvetica, sans-serif;">=> 申請手續完成之後, 稅捐處會發送簡訊通知, 3~7個工作天內, 他們會去查核你是否為自住, 不過通常有人住, 就可以輕鬆過關, 過關之後會在收到一封申辦成功的簡訊! 完成!!!</span></span><br />
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<span style="background-color: yellow; font-size: 12pt; letter-spacing: 0.75pt;"><span style="font-family: Arial, Helvetica, sans-serif;">★ 剛好今年才買賣房屋, 地價稅誰繳??</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: #fffbf7; color: #333333; line-height: 19px;">每年8月31日為地價稅繳納基準日, 當天土地登記簿上所記載的土地所有權人為納稅義務人. </span><span style="background-color: #fffbf7; color: #333333; line-height: 19px;">不用擔心</span><span style="background-color: #fffbf7; color: #333333; line-height: 19px;">在年尾買房會白白多繳地價稅, 因為地價稅</span><span style="background-color: #fffbf7; color: #333333; line-height: 19px;">在交屋時, 代書會依照買賣雙方的持有土地時間的百分比, 先算好, 所以賣方要先繳自己應負擔的部分給買方 </span></span><br />
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<span style="background-color: yellow; font-size: 16px; letter-spacing: 1px;"><span style="font-family: Arial, Helvetica, sans-serif;">★地價稅怎麼算</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-size: 15px; line-height: 26px;">地價稅 = 公告地價 X 80% X 土地面積(平方公尺) X 持分 X 稅率(</span><span style="font-size: 15px; line-height: 26px;">自用稅率0.2%, 一般稅率1%</span><span style="font-size: 15px; line-height: 26px;">)</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-size: 15px; line-height: 26px;">各大房仲網都有<a href="http://yungching.housefun.com.tw/cb/CB040203.asp" target="_blank">地價稅試算</a>(被永慶賺到XD), 但是試算前要先查到公告地價,</span><span style="font-size: 15px; line-height: 26px;">公告地價在各縣市的稅務局網站都可以查詢,<a href="http://210.241.16.201/query/valueprice.jsp?menu=true" target="_blank">新竹市</a>為例</span></span><br />
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<span style="background-color: yellow; font-family: Arial, Helvetica, sans-serif; font-size: 16px; letter-spacing: 1px;">★</span><span style="background-color: yellow; font-family: Arial, Helvetica, sans-serif;">最後, 今年還沒繳的, 記得快去繳啊!</span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUGq9kXiyvfP6VYi6NNReaHLEhoz17gQVgVFUZD-QXg8-i7nNAJwvV52QTo1gqnNxF94wLtmCFE6-clRkcOkqnJV43cMzZGv2WXUCvZuvbr11o5GrjUkicU7qVnFhac7qad5gamVrx6ow/s1600/give.PNG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="235" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUGq9kXiyvfP6VYi6NNReaHLEhoz17gQVgVFUZD-QXg8-i7nNAJwvV52QTo1gqnNxF94wLtmCFE6-clRkcOkqnJV43cMzZGv2WXUCvZuvbr11o5GrjUkicU7qVnFhac7qad5gamVrx6ow/s320/give.PNG" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">喜歡嗎? 爸爸送給你</td></tr>
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很多人為了投資避稅, 會找親朋好友當人頭戶幫忙, 或是富爸爸想要幫助小孩成家, 都會有資產轉移的動作, 不過在這麼做之前, 你必須先了解贈與的遊戲規則, 以免弄巧成拙, 小條的可能只是多花點冤枉錢, 代誌大條的話可能會吃上官司喔!!!<br />
<br />
今天來跟大家分享如何善用<b>"贈與稅"</b>來合法節稅<br />
<br />
<span style="background-color: yellow;"><b>贈與稅:</b></span><br />
<b>現金贈與稅免稅額是以年為單位計算, 今年(2013)的<span style="color: red;">免稅額是220萬元</span>, 超過免稅額部分以單一稅率10%計算.</b><br />
<br />
<span style="background-color: white;">案例:</span><br />
爸爸想要幫小孩買一棟1000萬的房子, 該怎麼做才是合法節稅呢?<br />
<br />
A. 直接給小孩1000萬, 讓他自己去買房?<br />
=> 這樣做需要課稅: (1000萬-220萬)*10%= 78萬<br />
<br />
B. 爸爸買房登記小孩的名字 (沒有先登記爸爸就直接登記小孩)<br />
=> 國稅局會查, 如果發現小孩沒有賺1000萬的財力, 即會認定是爸爸贈與的,<br />
不但要補稅78萬, 還要加上逃漏稅的罰緩<br />
<br />
C. 爸爸買房後, 再送房子給小孩 (先登記爸爸, 再產權轉移給小孩)<br />
=> 1000萬的房子價值多少需查"土地公告現值"+'房屋評定價值', 通常只有現價的四五成<br />
假設土地350萬,房屋50萬, 那麼房子產權轉移給小孩只認定贈與400萬(350+50),所以<br />
贈與稅是(400萬-220萬)*10%= 18萬<br />
<br />
<span style="color: blue;"><b>很明顯的, 利用不動產公告現值遠低於市價的特性, 贈與不動產是最划算的!!</b></span><br />
但是這樣仍然要繳18萬的贈與稅......心有不甘嗎??<br />
那你一定要知道<span style="background-color: orange;">更多贈與不動產的節稅方法</span>, 才可以<span style="color: red;"><b>讓贈與稅為0</b></span><br />
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1. 分年贈與<br />
公告現值400萬, 如果分兩年贈與, 每年只贈與200萬,在免稅額範圍, 所需課的贈與稅為0<br />
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2. 利用附有負擔贈與<br />
公告現值400萬, 如果贈與時有180萬的房屋貸款, 贈與的金額可以扣除貸款部分, 所以這樣<br />
要課的贈與稅為(400萬-220萬-180萬)*10%=0<br />
<br />
3. 遺產稅免稅額1200萬<br />
如果沒有迫切需要做產權轉移的話, 就讓一切順期自然吧!<br />
<br />
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<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-57773014864516547342013-05-28T08:03:00.000-07:002013-05-28T08:07:28.692-07:00[新竹市重劃區] 光埔區一 (慈雲路以西) 2013補充版<h3 class="post-title entry-title" itemprop="name" style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 18px; font-weight: normal; margin: 0px; position: relative;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-zulZOW-c7ip4cKlIMlOoS-zGHnHQKoDqZLMzsG2HkcBk6UXLuiPSUD5oEtDLi82CdqGVteAya5iHk7f5j4BlheO1V-Q6HNL_rxxhSurvfpIIrDXUcDhVzlcXFNaAis0VVH3cJJ-kdoE/s1600/%25E5%2585%2589%25E5%259F%2594%25E8%25A5%25BF2013.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-zulZOW-c7ip4cKlIMlOoS-zGHnHQKoDqZLMzsG2HkcBk6UXLuiPSUD5oEtDLi82CdqGVteAya5iHk7f5j4BlheO1V-Q6HNL_rxxhSurvfpIIrDXUcDhVzlcXFNaAis0VVH3cJJ-kdoE/s320/%25E5%2585%2589%25E5%259F%2594%25E8%25A5%25BF2013.PNG" width="261" /></a></h3>
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<span style="font-size: small;"><span style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><a href="http://richmylife.blogspot.tw/2012/10/blog-post_5627.html" target="_blank"> 2012 </a></span></span><span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><a href="http://richmylife.blogspot.tw/2012/10/blog-post_5627.html" target="_blank">[新竹市重劃區] 光埔區一 (慈雲路以西)</a> </span></div>
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<span style="font-size: small;"><span style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><br /></span></span></div>
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<span style="font-size: small;"><span style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">2013/05/24開賣的</span><span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="background-color: yellow;">昌益 夢想市</span><span style="background-color: white;">, 全部為四房, </span></span></span><span style="font-size: small;"><span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">價格約23~28萬, </span></span><span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">依照慣例, 開賣當天又是大排長龍,</span><span style="background-color: white;"><span style="background-color: transparent; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"> </span><span style="background-color: transparent; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">目前有很多</span></span><span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">紅單在轉賣, 想必一兩周後又會很多退單,</span></div>
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<span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">有自住興趣的人直接可以去建商那邊排</span><br />
<span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><br /></span></div>
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<div>
<a href="http://richmylife.blogspot.tw/2012/10/blog-post_5627.html" target="_blank">除了之前文章已經提過的</a><a href="http://richmylife.blogspot.tw/2012/10/blog-post_5627.html" target="_blank">優缺點</a>外, 根據該建案還有以下優缺點分析<br />
<br /></div>
<div>
<span style="color: blue;">優點: </span></div>
<div>
1. 可以期待過幾年這邊的房子都蓋好之後, 居民增加, </div>
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會有店家進駐, 生活機能可望提升</div>
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2. 價格<span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">比起慈雲路上同排的其他建案東方明珠, FB</span><span style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">便宜一點</span></div>
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3. 外觀還不錯, 有些有前陽台<br />
<br /></div>
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<span style="color: magenta;">缺點: </span></div>
<div>
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px;">1. 距離變電所近</span></div>
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<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px;">2. 對外道路較小, 居民增加後就容易塞車</span></div>
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<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px;">3. 臨慈雲路側會比較吵</span><br />
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px;">4. 價格只是相對便宜, 但沒有絕對便宜,<br /> 加上戶數太多</span><span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px;">(387戶)</span><span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px;">不適合投資</span></div>
<br />
<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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<span style="text-align: left;">這一期, 我很幸運的又中了兩張200的</span><span style="text-align: left;">發票</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2PFCsoE1bqoYvOEegL48uJDGo2sj-isJDfqiRT8AdQtg7wQ0qc5jMMj8JWjOWE6CedFPfXwYNgLGfpu307kUzefLATQMUiASVfY7AOMUJNb4q-RcAmYZ7xTF9l05pQyCOOxpIjgmZe8Q/s1600/2013_0304.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2PFCsoE1bqoYvOEegL48uJDGo2sj-isJDfqiRT8AdQtg7wQ0qc5jMMj8JWjOWE6CedFPfXwYNgLGfpu307kUzefLATQMUiASVfY7AOMUJNb4q-RcAmYZ7xTF9l05pQyCOOxpIjgmZe8Q/s320/2013_0304.PNG" width="281" /></a></div>
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<span style="text-align: left;"><br /></span></div>
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<span style="text-align: left;">很妙的</span><span style="text-align: left;">是</span><br />
<span style="text-align: left;">兩張都是中同樣的號碼479</span><br />
<span style="text-align: left;">而且是在同一個加油站<b> </b></span><a href="http://richmylife.blogspot.tw/2012/11/blog-post_8021.html" style="background-color: yellow; text-align: left;" target="_blank"><b>自助加油</b></a><span style="text-align: left;"> 的喔!</span></div>
這次不僅加油省到錢, 還中發票賺到錢!!</div>
<div style="text-align: justify;">
太幸運啦!!!!!!!!<br />
<br />
還沒對獎的朋友快點對看看囉!!<br />
<br />
<span style="color: magenta;"><b>祝大家都好運 *^o^*</b></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIQDTXQ0Ge6MdM__ggidRhHwWlfQcCtEBawT0uEQV4ds0r2NdUic4BjhME8g4kd4RgGEtnqdnygKexdDJCW3UaHlxN_Gu6cPkRtVJMGpQl69ocXESpsCb35WKST0w476dufgLZUVnbZiQ/s1600/2013_0304_golden.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIQDTXQ0Ge6MdM__ggidRhHwWlfQcCtEBawT0uEQV4ds0r2NdUic4BjhME8g4kd4RgGEtnqdnygKexdDJCW3UaHlxN_Gu6cPkRtVJMGpQl69ocXESpsCb35WKST0w476dufgLZUVnbZiQ/s1600/2013_0304_golden.PNG" /></a></div>
<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-15364984750895754352013-05-14T08:48:00.005-07:002013-06-04T07:16:45.071-07:00[綜合所得稅] 簡單報稅和合法節稅<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOKb7Gh7cZBcUsf-7XAI7RNkdQCrmVWgOvxBBHoyVC5z0cO4kbKY5Ie6PurVtqoJa6O5OjzaqtGs5FDURHoauBLlaQIg4BSOHEQuCtAjXf9MX2iBQmBAHpy6AIayczzCZXW5SBoFYABBA/s1600/card.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOKb7Gh7cZBcUsf-7XAI7RNkdQCrmVWgOvxBBHoyVC5z0cO4kbKY5Ie6PurVtqoJa6O5OjzaqtGs5FDURHoauBLlaQIg4BSOHEQuCtAjXf9MX2iBQmBAHpy6AIayczzCZXW5SBoFYABBA/s200/card.PNG" width="200" /></a>五月到了!!!! 又要被搶劫了 :(<br />
不! 身為好國民, 納稅是應盡的義務!<br />
<span style="color: red;">千萬不能逃漏稅</span>, 我們只能盡可能的合法節稅囉!<br />
<br />
現在報稅越來越簡單了!<br />
<br />
STEP 1: 到戶政事務所申請"<span style="background-color: lime;">自然人憑證</span>"<br />
STEP 2: 到<a href="http://tax.nat.gov.tw/info_IRX_download.html?id=1" target="_blank">財政部</a>下載"<b style="font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 23px;">個人綜合所得稅電子結算申報程式</b>"<br />
STEP 3: 準備一台讀卡機<br />
======> 然後就可以開始報稅啦!<br />
<br />
按照報稅程式的指示一步一步做, 就自動帶出收入,可抵稅的各種資料<br />
<br />
可以<span style="background-color: yellow;">新增扶養人數</span>, 當然是能報越多人越好, 不過要注意被撫養人的收入也算你的收入喔!<br />
如果她有收入的話, 那也要低於可抵稅額, 這樣申報他才有節稅<br />
<br />
列舉扣除額的話,可以再手動新增:<br />
<br />
<span style="background-color: yellow;">1.租屋或是房貸利息,只能擇一申報</span><br />
租屋的上限是12萬<br />
購屋借款利息上限是30萬, 款項是以借款利息要減掉儲蓄利息後之餘額, 且每一申報戶以一屋為限. 假設貸款利息是15萬, 但是存款利息有5萬, 那就只能申報10萬<br />
<br />
<span style="background-color: yellow;">2.非健保保險費:</span> 自己和父母的都可以, 每人上限2.4萬 (有些人會買儲蓄險來節稅)<br />
<br />
<span style="background-color: yellow;">3.醫藥費:</span> 自己和父母的看病收據都可以報, 大醫院的資料可以自動帶入, 其他小診所的收據平常就要收好, 這個時候就有用啦!!<br />
<br />
<span style="background-color: yellow;">4.捐贈:</span> 捐土地, 現金都可以, 但都要有收據<br />
<br />
<span style="background-color: yellow;">5. 財產損失</span>: 房屋交易損失或因為天災受損之類的損失(這項可能比較不常遇到)<br />
<br />
<span style="background-color: lime;">6. 等到快5/31在報稅</span>.....多少賺一點稅的利息錢回來囉 :P<br />
<br />
<span style="background-color: cyan;">7. 利用信用卡繳稅</span>, 配合銀行給的優惠再賺一點點回來<br />
例如: 2013年國泰世華卡,可分期, 前三期0利率<br />
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-62058087493522532672013-05-01T08:29:00.000-07:002013-05-13T08:34:57.415-07:00[房屋稅] 繳費的時間到囉!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYV2BwR-4Q8nHepFqgsUEew7EunNNYNx2IeUT1oGUNU-KlhkOm2wD9okvLfOly64um5oPdMuDFKjLlO0pG8lqK-ROcB5bfmB5vE96l4gnpYaY_JFZ6xPkp5OmrhWBGKRZhFHmj8N0-xcA/s1600/housetax.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYV2BwR-4Q8nHepFqgsUEew7EunNNYNx2IeUT1oGUNU-KlhkOm2wD9okvLfOly64um5oPdMuDFKjLlO0pG8lqK-ROcB5bfmB5vE96l4gnpYaY_JFZ6xPkp5OmrhWBGKRZhFHmj8N0-xcA/s200/housetax.PNG" width="196" /></a><span style="color: red;">房屋稅</span>繳納時間是每年的<span style="background-color: yellow; color: blue;">5月1日到5月30日</span><br />
<br />
應繳納的房屋稅 = 房屋課稅現值 X 稅率<br />
<br />
<ul>
<li>房屋課稅現值 = 核定單價(元) X 房屋面積(平方公尺) X (1-折舊率X折舊經歷年數) X 地段率 X 分層分攤率(適用於五樓以下的公寓)</li>
</ul>
<ul>
<li>稅率:</li>
</ul>
<span style="color: red;">住家用=1.2%</span><br />
非住家非營業用=2%<br />
營業用=3%<br />
<br />
<br />
房屋稅跟<a href="http://richmylife.blogspot.tw/2012/11/landtax.html" target="_blank">地價稅</a>不同之處是房屋稅按月比例計課, 所以如需更換為住家用, 要盡早更換喔!<br />
<br />
現在<a href="http://www.etax.nat.gov.tw/etwmain/front/ETW109W?taxCd=10" target="_blank">財政部有推出線上</a>更改的功能, 不一定要跑國稅局囉!<br />
<br />
<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-33058830123592879642013-04-16T08:48:00.003-07:002013-04-16T08:48:58.587-07:00威力彩連24槓, 頭彩上看13億!! 要不要買?!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBk4TQHFMX69DIbjNAmf3YBKJweeQHyTj2BTjFzgag14YtEhxnzW7gcxtD31H4OnT9ByjICHn0hngJfpqt7HIydIMvOg1BVxAfPaBag0O9TT-77HP-vuNz56Qlxj_Yf2jxf3IVrvvW-XI/s1600/weili.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="102" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBk4TQHFMX69DIbjNAmf3YBKJweeQHyTj2BTjFzgag14YtEhxnzW7gcxtD31H4OnT9ByjICHn0hngJfpqt7HIydIMvOg1BVxAfPaBag0O9TT-77HP-vuNz56Qlxj_Yf2jxf3IVrvvW-XI/s320/weili.PNG" width="320" /></a></div>
<br />
<br />
還記得去年也曾發生過類似的事, <a href="http://richmylife.blogspot.tw/2012/12/lottery.html" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 18px;" target="_blank">威力彩連32槓, 頭彩上看17億....</a><br />
<br />
<div>
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<div>
經過計算<span style="background-color: yellow; color: #333333; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 18px;">當頭獎獎金大於22億的時候, 期望值才會大於1</span></div>
<div>
<br /></div>
<div>
所以在等等吧!!</div>
<div>
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-75842918405195987512013-04-10T08:30:00.000-07:002013-05-14T20:17:00.668-07:00[還是炫耀一下] 統一發票102年1,2月<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVkiaK1MPvA8QChxA7NleSezlraGoBGwlex0f8rKfuAs7t9eKPoGqvM4un5XjB9sKSlPt94Qrafq0PBvTbQz3dSmsLz9vyV4tcLEFao6RiQ5ZTpX3f8HtuGQKaTjZc9gPJtAh_qi1IK5Q/s1600/2013_0102.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVkiaK1MPvA8QChxA7NleSezlraGoBGwlex0f8rKfuAs7t9eKPoGqvM4un5XjB9sKSlPt94Qrafq0PBvTbQz3dSmsLz9vyV4tcLEFao6RiQ5ZTpX3f8HtuGQKaTjZc9gPJtAh_qi1IK5Q/s200/2013_0102.PNG" width="158" /></a><span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">這兩個月的發票比較少,但是看到一篇新聞說</span><br />
<div style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px; text-align: justify;">
<span style="text-align: left;">有張兩百萬的發票是新竹大潤發買1596元的發票,</span><br />
<span style="text-align: left;">想說該不會是我吧ㄎㄎㄎ, 於是</span><span style="text-align: left;">趕快來對一下</span><br />
<div style="text-align: left;">
.......................................</div>
<div style="text-align: left;">
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<div style="text-align: left;">
我的大潤發發票出現, 買了1916元 (QQ 兩百萬那張不是我的)</div>
<span style="text-align: left;">但是我仍然沒有放棄, </span><span style="text-align: left;">終於在我強大的"</span><a href="http://richmylife.blogspot.tw/2012/07/secret.html" style="color: #661199; text-decoration: none;" target="_blank">正面思考</a><span style="text-align: left;">"能量下</span></div>
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<span style="text-align: left;">最後一張中了!!!!!! 差兩百萬一點, 是兩百元 XD</span><br />
<br /></div>
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還沒對獎的朋友快點對看看囉~~<br />
說不定你就是千萬得主呦!!!<br />
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGX1iUe5dkmKnQ3JLXwyIbIRRXHaAgerqZW3jkP-ezMUwnaZsqGC9bFZ9GICdYf7jqEOY_uGZTFYX48CE5XrjCojqmyfN3G452oEVo021b_bjf_bZtpO2QvjyqE613O53aazlMqfSgNFA/s1600/2013_0102_golden.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="552" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGX1iUe5dkmKnQ3JLXwyIbIRRXHaAgerqZW3jkP-ezMUwnaZsqGC9bFZ9GICdYf7jqEOY_uGZTFYX48CE5XrjCojqmyfN3G452oEVo021b_bjf_bZtpO2QvjyqE613O53aazlMqfSgNFA/s640/2013_0102_golden.PNG" width="640" /></a></div>
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-53691136991667549252013-02-06T05:47:00.002-08:002013-02-06T05:49:54.261-08:00[炫耀文] 統一發票101年11,12月<br />
<div style="text-align: justify;">
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW4IFN0I7Evffwu8wV7ADbnA759w6TEAf4q9LKaReWU4sXFODPrKLF6psh9QVco4xwaVLaPfDL7uO7-tBgDO5oPtCn73odaDoGs9K8wtFXuBKW8IvsC0UFMTjL6aQvYICP4mOWtEJIlFk/s1600/2012_1112.png" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW4IFN0I7Evffwu8wV7ADbnA759w6TEAf4q9LKaReWU4sXFODPrKLF6psh9QVco4xwaVLaPfDL7uO7-tBgDO5oPtCn73odaDoGs9K8wtFXuBKW8IvsC0UFMTjL6aQvYICP4mOWtEJIlFk/s200/2012_1112.png" width="183" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">有圖有真相</td></tr>
</tbody></table>
在<a href="http://richmylife.blogspot.tw/2012/10/blog-post.html" target="_blank">"統一發票也能賺錢"</a>提到每張發票等於1.4元,</div>
<br />
<div style="text-align: justify;">
<span style="text-align: left;">這兩個月, 我的發票很幸運的又中了三張</span></div>
<div style="text-align: justify;">
<span style="text-align: left;">200 * 3 = 600</span></div>
<br />
<div style="text-align: justify;">
已經連續兩次中三張了 ^o^<br />
<a href="http://richmylife.blogspot.tw/2012/07/secret.html" target="_blank">正面思考</a>下真的可以產生好運的能量!!<br />
<br />
還沒對獎的朋友快點對看看囉<br />
看能不能幫自己多賺點紅包錢 !<br />
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvB0iSFB8W5oBcBL9pvmyZqQJch667lUvgTTjnRteEtfOAazOIdqFyG-Xqaf8ksMH-CN5Uf4Lq_nPxTCaYFdSQCdld47fcURKH9qDIJTtvZFe3QIlXdi2rWl2KLB4sUH9p_SyXKsCr8FM/s1600/2012_1112_golden.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="553" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvB0iSFB8W5oBcBL9pvmyZqQJch667lUvgTTjnRteEtfOAazOIdqFyG-Xqaf8ksMH-CN5Uf4Lq_nPxTCaYFdSQCdld47fcURKH9qDIJTtvZFe3QIlXdi2rWl2KLB4sUH9p_SyXKsCr8FM/s640/2012_1112_golden.PNG" width="640" /></a></div>
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-2697338655798466722012-12-27T21:40:00.002-08:002012-12-27T21:45:03.831-08:002012 上班日最後一天好久沒寫文章了 :(<br />
<br />
這陣子工作好忙......為了財務自由還是要先賺錢!!<br />
中間平安的度過了世界末日<br />
又開心地度過聖誕節<br />
今天終於來到 2012 上班日最後一天<br />
(期待財務自由之後能寫 "今天終於來到我上班的最後一天!")<br />
<br />
在此<br />
預祝大家<br />
<span style="background-color: yellow; color: red; font-size: large;"><b> 新年快樂</b></span><span style="background-color: yellow;"><span style="color: red;"> ~~~~~ </span></span><br />
<br />
接下來的一年, 我會讀更多書, 分享更多!<br />
繼續向財務自由邁進 :D<br />
<br />
<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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<span style="color: #333333; font-size: 15px;">好康快報!!! 價差非常大, </span><span style="color: red; font-size: large;"><b>10萬 </b></span><span style="color: #333333; font-size: 15px;">~~~ </span></div>
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<span style="background-color: transparent; color: #661199; font-size: medium; text-decoration: initial;"><a href="http://richmylife.blogspot.tw/2012/10/blog-post_19.html" style="background-color: transparent; color: #661199; text-decoration: initial;" target="_blank">股票抽籤賺價差的機會又來啦</a>!!</span></div>
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<span style="background-color: yellow;">2012/12/11~12/13: </span></div>
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<a href="http://cnyes.com.tw/presh/profile/4152.html" target="_blank">4152 台微體</a><b style="color: red;"> 價差70%, <span style="font-size: large;">抽中現賺10萬 </span></b></div>
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<span style="background-color: yellow;">2012/12/10~12/12: </span></div>
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<a href="http://www.cnyes.com/presh/profile/8429.html" target="_blank">8429 金麗</a> 價差25%, 抽中賺約1.8萬 </div>
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<span style="color: red; font-size: medium;"><br /></span></div>
<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-91689058979489415062012-12-06T07:00:00.000-08:002012-12-06T07:09:48.905-08:00[股票抽籤] 好多支啊!!<div class="separator" style="clear: both; text-align: center;">
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好康快報!!! 沒有中威力彩沒關係!! 還有股票可以抽~~~~</div>
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<span style="color: #333333;"><a href="http://richmylife.blogspot.tw/2012/10/blog-post_19.html" style="background-color: transparent; color: #661199; text-decoration: initial;" target="_blank"><span style="font-size: large;">股票抽籤賺價差的機會又來啦</span><span style="font-size: 15px;">, </span></a><span style="font-size: 15px;">這次 </span></span><span style="color: red;"><span style="font-size: large;">4</span> </span><span style="color: #333333; font-size: 15px;">支有賺頭的!!</span></div>
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<span style="background-color: yellow;">2012/12/06~12/10: </span></div>
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<span style="background-color: white;"><span style="color: red; font-size: large;"><b><a href="http://cnyes.com.tw/presh/profile/4168.html" target="_blank">4168 醣聯</a> 44.8%價差約5萬</b> </span></span></div>
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<span style="background-color: white;"><a href="http://cnyes.com.tw/presh/profile/5263.html" target="_blank">5263 智崴</a> 33.3%</span><span style="background-color: white;">價差約2萬</span></div>
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<span style="background-color: white;"><a href="http://cnyes.com.tw/presh/profile/8155.html" target="_blank">8155 博智</a> 37.5%</span><span style="background-color: white;">價差約9千</span></div>
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<span style="background-color: white;"><a href="http://cnyes.com.tw/presh/profile/8424.html" target="_blank">8424 惠普</a> 25.8%</span><span style="background-color: white;">價差約7千</span></div>
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<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-29942354320786049772012-12-04T07:13:00.000-08:002012-12-04T07:14:02.792-08:00威力彩連32槓, 頭彩上看17億!! 要不要買?!<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjB0ZudgnB0cr9vnXdtMWa5nIS16vzSGGDP-A0nU4FOhyeF9v_CPX48TRs_Glc2Urr1itA8qNNoMaob1vDhV7WxonRsnl2wp7ULdsmO2O0YaMb2M2dFfy2TdrSjNNQAcW4dhYZLUZGGaHM/s1600/%E5%A8%81%E5%8A%9B%E5%BD%A92.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjB0ZudgnB0cr9vnXdtMWa5nIS16vzSGGDP-A0nU4FOhyeF9v_CPX48TRs_Glc2Urr1itA8qNNoMaob1vDhV7WxonRsnl2wp7ULdsmO2O0YaMb2M2dFfy2TdrSjNNQAcW4dhYZLUZGGaHM/s320/%E5%A8%81%E5%8A%9B%E5%BD%A92.PNG" width="134" /></a><span style="font-family: verdana, arial, sans-serif;">一般情況下, 買彩券絕對不算投資, 因為中頭獎的機率幾乎就是0!</span><br />
<span style="font-family: verdana, arial, sans-serif;"><br /></span>
<span style="font-family: verdana, arial, sans-serif;">但隨著頭獎獎金不斷累積, 期望值便開始慢慢上升, </span><br />
<span style="font-family: verdana, arial, sans-serif;"><span style="color: red;">當期望值>1的時候, 其實是值得投資的!!</span></span><br />
<span style="font-family: verdana, arial, sans-serif;"><br /></span>
<span style="font-family: verdana, arial, sans-serif;"><span style="line-height: 18px;"><b>最近<a href="http://www.taiwanlottery.com.tw/SuperLotto638/index.asp" target="_blank">威力彩</a>連<span style="font-size: large;">32</span>槓! 頭彩獎金上看<span style="font-size: large;">17</span>億, <span style="font-size: large;">值得買嗎??</span></b></span></span><br />
<br />
<span style="font-family: verdana, arial, sans-serif;"><span style="line-height: 18px;">用頭獎來試算期望值 (</span></span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">期望值 = 頭彩獎金 * 機率 / 彩券成本 </span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">)</span><br />
<span style="font-family: verdana, arial, sans-serif;"><span style="line-height: 18px;"><br /></span></span>
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"> 威力彩是第一區38選6, 再從第二區8選1, 所以</span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"> 機率是 1 / (C(38,6)*C(8,1)) = 1 / 22085448, <br /> 也就是</span><span style="background-color: #d5a6bd; font-family: verdana, arial, sans-serif; line-height: 18px;">2208萬張就會中一張頭彩</span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"><br /></span>
<span style="font-family: verdana, arial, sans-serif; line-height: 18px;">威力彩一張100元, </span><span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;">目前連32槓, 下期頭獎上看17億的情況下, 期望值是多少呢??</span><br />
<span style="font-family: verdana, arial, sans-serif; line-height: 18px;"><br /></span>
<span style="font-family: verdana, arial, sans-serif;"><span style="line-height: 18px;"> 期望值 = 頭彩獎金 * 機率 / 彩券成本 </span></span><br />
<span style="font-family: verdana, arial, sans-serif;"><span style="line-height: 18px;"> = 1,700,000,000 * </span></span><span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;">1/22085448 / 100</span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"> = 0.77</span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"> <span style="color: red;">0.77 < 1, 以數學的角度, 目前還不值得買</span></span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"><br /></span>
<span style="background-color: yellow; font-family: verdana, arial, sans-serif; line-height: 18px;">那什麼時候買比較有勝算呢?! </span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;"></span><br />
<a name='more'></a><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">頭彩</span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">獎金 </span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">* 機率 / 彩券成本 > 1</span><br />
<span style="font-family: verdana, arial, sans-serif; line-height: 18px;">==> 頭彩</span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">獎金 </span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">*</span><span style="font-family: verdana, arial, sans-serif;"><span style="line-height: 18px;"> </span></span><span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;">1/22085448 / 100 > 1</span><br />
<span style="background-color: white; font-family: verdana, arial, sans-serif; line-height: 18px;">==> </span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">頭彩</span><span style="font-family: verdana, arial, sans-serif; line-height: 18px;">獎金 > 2208544800</span><br />
<span style="font-family: verdana, arial, sans-serif; line-height: 18px;"><br /></span>
<span style="background-color: yellow; font-family: verdana, arial, sans-serif; line-height: 18px;">當頭獎獎金大於22億的時候, 期望值會大於1</span><br />
<span style="font-family: verdana, arial, sans-serif; line-height: 18px;">這時買彩卷變成一項有趣的投資, 買了希望又做了公益<b>!!</b></span><br />
<span style="font-family: verdana, arial, sans-serif; line-height: 18px;"><br /></span>
<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span>
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-34385945087457456992012-11-28T07:53:00.000-08:002012-11-28T07:55:32.422-08:00[炫耀文] 統一發票101年9,10月<div class="separator" style="clear: both; text-align: center;">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIi2GIRzh3ODWkOIdtNeFsBOofQj-jhFBjxU_QCu9UY1SR8C3vpW7q9ZQTAMBEj0dVQNAvJnC-yKVVXqoH-V-TweMzdw86gzFdAyPd0ZwrnsGoBX0jABWnVOc0rCulC5WSjHdrMdHA1ds/s1600/%E7%B5%B1%E4%B8%80%E7%99%BC%E7%A5%A8101_0910%E4%B8%AD%E7%8D%8E.PNG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="176" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIi2GIRzh3ODWkOIdtNeFsBOofQj-jhFBjxU_QCu9UY1SR8C3vpW7q9ZQTAMBEj0dVQNAvJnC-yKVVXqoH-V-TweMzdw86gzFdAyPd0ZwrnsGoBX0jABWnVOc0rCulC5WSjHdrMdHA1ds/s320/%E7%B5%B1%E4%B8%80%E7%99%BC%E7%A5%A8101_0910%E4%B8%AD%E7%8D%8E.PNG" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="font-size: 13px; text-align: center;">有圖有真相</td></tr>
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<div style="text-align: justify;">
在<a href="http://richmylife.blogspot.tw/2012/10/blog-post.html" target="_blank">"統一發票也能賺錢"</a>提到<br />
每張發票等於1.4元,</div>
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<div style="text-align: justify;">
<span style="text-align: left;">這個月, 我跟室友的發票很好運的中了三張</span></div>
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</span><span style="text-align: left;"><div style="text-align: justify;">
1000 + 200 * 2 = 1400<br /></div>
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收好發票之餘也要記得對獎囉!<br />
下次幸運女神就會降臨在你身上囉~~~</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikvt5mMcITkH1ZaaYvMbzK8wPc-UFAbMu2kq7FQMrRN1o62SZH8f05dJ6-3_lvqmau-T8wFqLXTD5QVK-nxU93GZUmVjKzodI7cETEKWJn9XEjHatKD3LgT7tOcRQqSDoLa98zTXdBPb0/s1600/%E7%B5%B1%E4%B8%80%E7%99%BC%E7%A5%A8101_0910.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikvt5mMcITkH1ZaaYvMbzK8wPc-UFAbMu2kq7FQMrRN1o62SZH8f05dJ6-3_lvqmau-T8wFqLXTD5QVK-nxU93GZUmVjKzodI7cETEKWJn9XEjHatKD3LgT7tOcRQqSDoLa98zTXdBPb0/s1600/%E7%B5%B1%E4%B8%80%E7%99%BC%E7%A5%A8101_0910.PNG" /></a></div>
<br />Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-52442935108148336532012-11-23T10:21:00.000-08:002012-11-23T10:21:47.149-08:00[股市投資] 如何判斷多空?<div style="font-family: Tahoma, sans-serif; margin: 0px; padding: 0px;">
<span style="background-color: white;">操作股票最容易賺錢的方式就是<span style="color: red;">順勢操作</span>!</span></div>
<div style="background-color: white; font-family: Tahoma, sans-serif; margin: 0px; padding: 0px;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg37WdSp33EASTH54jgKL67uJzUI2A59LeJ-0L23pAJuqZfuB-d3KzFcV7zErEJ1X-0Fsx5_qyLVbTlvabehiMuGho8cSaHgdaOJZnykJvsIr_V0WGvW-ZMTP_dmASGRvhaOfquyENrpjc/s1600/%E7%86%8A%E7%89%9B.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="184" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg37WdSp33EASTH54jgKL67uJzUI2A59LeJ-0L23pAJuqZfuB-d3KzFcV7zErEJ1X-0Fsx5_qyLVbTlvabehiMuGho8cSaHgdaOJZnykJvsIr_V0WGvW-ZMTP_dmASGRvhaOfquyENrpjc/s320/%E7%86%8A%E7%89%9B.PNG" width="320" /></a>所以, 我們要先知道怎麼判斷目前的趨勢,<br />是多? 亦或是空?</div>
<div style="background-color: white; font-family: Tahoma, sans-serif; margin: 0px; padding: 0px;">
最簡單又準確的方法就是利用<span style="color: red;">均線</span>來判斷!!</div>
<div style="background-color: white; font-family: Tahoma, sans-serif; margin: 0px; padding: 0px;">
均線是移動平均線(MA)的簡稱,也就是某段時間內投資人的平均成本</div>
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均線向上表示走多, 均線向下表示走空</div>
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<span style="font-family: 新細明體, serif; font-size: 12pt; letter-spacing: 0.75pt;">★</span>長期: 看年線(240日均線)</div>
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<span style="font-family: 新細明體, serif; font-size: 12pt; letter-spacing: 0.75pt;">★</span>中期: 看季線(66日均線) </div>
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<span style="font-family: 新細明體, serif; font-size: 12pt; letter-spacing: 0.75pt;">★</span>短期: 看月線(22日均線)</div>
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一般來說,長期投資者只要標的價格便宜就買進, 價格太高就賣出, 買賣之間可能已經是經過十幾,二十年的事, 所以不需要跟著趨勢做, 那麼, 年線相對就沒那麼重要.</div>
<div style="background-color: white; font-family: Tahoma, sans-serif; margin: 0px; padding: 0px;">
<span style="color: red;">季線是最重要的判斷指標</span>, 向上表示多頭, 向下表示空頭.</div>
<div style="background-color: white; font-family: Tahoma, sans-serif; margin: 0px; padding: 0px;">
季線再搭配月線就可以進一步知道趨勢翻轉的時機, 空正要轉多時買進, 就能有最大獲利. </div>
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<span style="font-family: 新細明體, serif; letter-spacing: 1px;">★</span>多頭排列: (大多頭)</div>
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三條均線都向上, 年線最低, 季線在中, 月線最高</div>
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K線都在均線上方, 無論短中長期投資人都是賺錢的狀態</div>
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這種時候, K線回檔碰到均線就是買點, K線離均線太遠(乖離過大)通常就會是賣點!</div>
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<span style="font-size: xx-small;"> </span></div>
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(反之, 均線向下, 年線最高,月縣最低, 就是空頭排列)</div>
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<span style="font-family: 新細明體, serif; letter-spacing: 1px;">★</span>季線向上, 月線低檔向上穿過季線, 黃金交叉, 此時是空翻多的買進時間點</div>
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黃色圈圈正好是月線穿越向上的季線, 後段的漲勢果然驚人!!!</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvQAI-ZRCHgIaaxEjOtJeiePjv31B67lFfHl9uj2fetIqFVNvjbEeYOjzP8jOxjfGFbO3kEzBiYgiiswX8-LEGtlImnCyp9ZdaYr_jGyVX7oSkvN8iDpWsZ3qBu2tLBC49RiP_HkIiPbs/s1600/%E9%BB%83%E9%87%91%E4%BA%A4%E5%8F%89.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="http://rightgun.blogspot.tw/2011/07/blog-post_4701.html" border="0" height="274" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvQAI-ZRCHgIaaxEjOtJeiePjv31B67lFfHl9uj2fetIqFVNvjbEeYOjzP8jOxjfGFbO3kEzBiYgiiswX8-LEGtlImnCyp9ZdaYr_jGyVX7oSkvN8iDpWsZ3qBu2tLBC49RiP_HkIiPbs/s320/%E9%BB%83%E9%87%91%E4%BA%A4%E5%8F%89.PNG" title="取圖自口木看盤室" width="320" /></a></div>
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判斷多空就是這麼容易囉!! </div>
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-19895637347794811972012-11-21T07:59:00.001-08:002012-11-21T08:02:09.012-08:00[股票抽籤] 4912 聯德<div class="separator" style="clear: both; text-align: center;">
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好康快報!!! </div>
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<a href="http://richmylife.blogspot.tw/2012/10/blog-post_19.html" style="background-color: transparent; color: #661199; text-decoration: initial;" target="_blank">股票抽籤賺價差的機會, 花20元幫自己買個機會吧!!</a></div>
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<span style="background-color: yellow;"><span style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 15px; line-height: 20px;">2012/11/21~11/24: </span></span><span style="font-size: 15px; line-height: 20px;"><span style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"> 4912 聯德</span></span></span></div>
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<a href="http://www.cnyes.com/twstock/profile/4912.htm" target="_blank">目前市價52</a>, 抽籤價43, <span style="color: red; font-size: medium;">價差約9千元</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKqIm51GC7WLBIZM6YAs_KTEq8yhM29ruw6rO1WGkqK5KZyIcHM8plIB2ZfARONlw9E987LDRIIZkU1o0lfJn0ZXkgnCEQQZv34hyphenhyphenFtAIgTzmdmAf2Lllu84cccLugHSd7pMUE8eBYeIY/s1600/%E8%81%AF%E5%BE%B7%E6%8E%A7.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKqIm51GC7WLBIZM6YAs_KTEq8yhM29ruw6rO1WGkqK5KZyIcHM8plIB2ZfARONlw9E987LDRIIZkU1o0lfJn0ZXkgnCEQQZv34hyphenhyphenFtAIgTzmdmAf2Lllu84cccLugHSd7pMUE8eBYeIY/s640/%E8%81%AF%E5%BE%B7%E6%8E%A7.PNG" width="640" /></a></div>
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<span style="background-color: #f9cb9c; color: blue; font-size: large;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span><br />
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-6995715613838934022012-11-15T10:07:00.005-08:002012-11-15T10:07:59.266-08:00緊急預備金-----最重要的救命錢<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_XEeQc-Xp6zLqZhDyc1QxTT2U4ot6wlHWCApKDCyCVTMgHgN8MP4SOZWuZvDUKXlRfbLxfHO_aw4XqP3xSCUaPrHKgjU4prMBu-5iDn9WVWCsAv2Ps8I3Hj6YnWGVVKC383i52FY26hQ/s1600/%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="147" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_XEeQc-Xp6zLqZhDyc1QxTT2U4ot6wlHWCApKDCyCVTMgHgN8MP4SOZWuZvDUKXlRfbLxfHO_aw4XqP3xSCUaPrHKgjU4prMBu-5iDn9WVWCsAv2Ps8I3Hj6YnWGVVKC383i52FY26hQ/s200/%E7%B7%8A%E6%80%A5%E9%A0%90%E5%82%99%E9%87%91.PNG" style="cursor: move;" width="200" /></a></div>
<span style="color: red; letter-spacing: 0.75pt;"> 養兵</span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: red; letter-spacing: 0.75pt;">千日用在一時</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">緊急預備金是發生意外</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">緊急需用錢的時候</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">能夠馬上拿出來用的錢</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">在</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;"><a href="http://richmylife.blogspot.tw/2012/10/blog-post_6425.html" target="_blank"><span lang="EN-US" style="font-family: 新細明體, serif; text-decoration: initial;"><span lang="EN-US"><span style="color: blue;">信封理財法</span></span></span></a></span><span style="background-color: white; letter-spacing: 0.75pt;">文中曾提到</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">每個月至少</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">10%</span><span style="background-color: white; letter-spacing: 0.75pt;">的薪資收入要做儲蓄</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">但是存下來的錢並不是全部都要拿去做投資喔</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">在投資之前必需先存到一筆更重要的</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">"</span><span style="background-color: white; letter-spacing: 0.75pt;">緊急預備金</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">", </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: red; letter-spacing: 0.75pt;">以備不時之需</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">! 像是第四台常常出現的</span><span style="background-color: white; letter-spacing: 1px;">,"現金周轉", "</span><span style="background-color: white; letter-spacing: 0.75pt;">放款快"的廣告, 都是高利率的借貸或是低收購的當鋪, 平常準備好緊急預備金, 就不用被這些公司剝皮啦~~~</span><br />
<span style="background-color: #ffe599;"><span style="letter-spacing: 0.75pt;">投資就像進攻</span><span lang="EN-US" style="letter-spacing: 0.75pt;">, </span><span style="letter-spacing: 0.75pt;">緊急預備金就像防守</span></span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">, </span><span style="background-color: white; letter-spacing: 0.75pt;">在進攻之前一定要有穩固的後盾才能無後顧之憂</span><span lang="EN-US" style="background-color: white; letter-spacing: 0.75pt;">!</span><br />
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<span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;"> </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">意外就是在意料之外的偶發事件</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">像是失業</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">大筆醫療費</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">鬧出人命要結婚</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">房屋失火</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;"> ...</span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">等等</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">這些事不是我們能決定要不要的或是什麼時候發生的</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">所以我們唯一能做的就是準備好一筆</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">"</span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">緊急預備金</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">", </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">遇到這些意外才能安然的</span><span style="letter-spacing: .75pt;">面對它<span lang="EN-US">, </span>接受</span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">它</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">處理它</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="letter-spacing: .75pt;">放下它<span lang="EN-US">!</span></span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;"><o:p></o:p></span></div>
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<span style="letter-spacing: .75pt;"><span lang="EN-US"><span style="background-color: white;">像是林益世可能平常就有存緊急預備金, 才能在17小時內籌到五千萬交保<span style="font-family: Arial, Helvetica, sans-serif;">:P</span></span></span></span><br />
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<span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;"> </span><span style="background-color: #cfe2f3;"><span style="letter-spacing: 0.75pt;">緊急預備金的準備金額通常是以</span><span style="background-position: initial initial; background-repeat: initial initial; color: red; letter-spacing: 0.75pt;"><b>六個月</b></span><span style="letter-spacing: 0.75pt;">為標準</span></span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">因為根據政府人力資源調查統計，國人失業或轉業的平均轉換工作所需時間是</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">23</span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">週</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">(</span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">約六個月</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">), </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">所以有了這筆錢</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">至少在沒有收入的情況下</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">你還可以正常的生活</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">當然每個人可以根據自己的狀況斟酌要多存一點或是少一點</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;"><o:p></o:p></span></div>
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<span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;"> </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">知道了緊急預備金的重要之後</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">那要把它存在哪裡呢</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">?<o:p></o:p></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">因為緊急準備金不能有太大的波動</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">又要可以立即變現</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">所以最好是</span><span style="background: white; color: red; letter-spacing: .75pt; mso-ascii-font-family: inherit; mso-bidi-font-family: "Times New Roman"; mso-hansi-font-family: inherit;">定存在銀行</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">, </span><span style="background-color: white; background-position: initial initial; background-repeat: initial initial; letter-spacing: 0.75pt;">至少可以賺點利息抗通膨</span><span lang="EN-US" style="background-color: white; background-position: initial initial; background-repeat: initial initial; font-family: inherit, serif; letter-spacing: 0.75pt;">.</span><br />
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<span style="background-color: #ead1dc; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span></div>
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好康快報!!! </div>
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<a href="http://richmylife.blogspot.tw/2012/10/blog-post_19.html" style="background-color: transparent; color: #661199; text-decoration: initial;" target="_blank">股票抽籤賺價差的機會, 花20元幫自己買個機會吧!!</a></div>
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這次有兩檔可以抽喔~~~ </div>
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<span style="background-color: yellow;"><span style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 15px; line-height: 20px;">2012/11/13~11/15: </span></span><span style="font-size: 15px; line-height: 20px;"><span style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"> 8421 旭源</span></span></span></div>
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<a href="http://www.cnyes.com/presh/profile/8421.html" target="_blank">目前市價28.3</a>, 抽籤價23, <span style="color: red; font-size: medium;">價差約5千元</span></div>
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<span style="background-color: yellow;">2012/11/14~11/16: 5251 天鉞電</span></div>
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<a href="http://www.cnyes.com/presh/profile/5251.html" target="_blank">目前市價48.3</a><span id="goog_575752201"></span><span id="goog_575752202"></span><a href="http://www.blogger.com/"></a>, 抽籤價40, <span style="color: red; font-size: medium;">價差約8千元</span></div>
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<span style="color: #38761d;">另外兩檔被我劃掉啦! 因為是負價差或價差不夠大</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7zrK-aQvy6kic0YOXcVA_J6EQy_DcofxUWpXnmg9FQ5NnF1A7-n8wOESTNFwL6oxlvRlla2SaV0C2zXKkn7DRD5e5p62L8yBl1F_hfuHeN_k49d1IsZR96osj6oTS5AWRuygdL1i8lk8/s1600/%E6%8A%BD%E8%82%A1%E7%A5%A820121114.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7zrK-aQvy6kic0YOXcVA_J6EQy_DcofxUWpXnmg9FQ5NnF1A7-n8wOESTNFwL6oxlvRlla2SaV0C2zXKkn7DRD5e5p62L8yBl1F_hfuHeN_k49d1IsZR96osj6oTS5AWRuygdL1i8lk8/s640/%E6%8A%BD%E8%82%A1%E7%A5%A820121114.PNG" width="640" /></a></div>
<span style="background-color: #f9cb9c; color: blue; font-size: large;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span><br />
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Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-45126760416223909312012-11-13T08:39:00.003-08:002012-11-14T19:40:04.017-08:00證所稅的重點整理<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIs9Efq44ahzN7lPpBZFeLhZtR5BTj4YWXO2qp9yZK8RjdYaKBlrUx3Z3RUQSXgTitY0AivT1YtfFTk25BhVXQ64L5vsRqmawDuNVLtV-SYT-M_1iVTLaG-UQTIxIqbWo4HDRJj-vbs64/s1600/%E8%AD%89%E6%89%80%E7%A8%85.PNG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="from http://www.van698.com/thread-118325-1-1.html" border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIs9Efq44ahzN7lPpBZFeLhZtR5BTj4YWXO2qp9yZK8RjdYaKBlrUx3Z3RUQSXgTitY0AivT1YtfFTk25BhVXQ64L5vsRqmawDuNVLtV-SYT-M_1iVTLaG-UQTIxIqbWo4HDRJj-vbs64/s200/%E8%AD%89%E6%89%80%E7%A8%85.PNG" title="" width="200" /></a></td></tr>
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<span style="background-color: white;">電視一天到晚在說"<span style="color: red;">證所稅</span>", 讓大戶都出場了, </span><br /><span style="background-color: white;">只剩下"咖麻去係安怎造"的人還留在市場.</span><br />
<span style="background-color: white;">到底什麼是</span>證所稅? 有那麼可怕嗎? 要逃嗎?<br />
看一下重點整理, 你馬上就有感覺了<br />
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<span style="font-family: 新細明體;"><span style="background-color: white; color: red; line-height: 20px;">102~103年是雙軌制, 也就是分</span></span><span style="font-family: 新細明體; line-height: 20px;"><span style="background-color: white; color: red;">"設算" 和 "核實"</span>兩種計稅方式,</span><span style="font-family: 新細明體; line-height: 20px;">證券公司預設用</span><span style="font-family: 新細明體; line-height: 20px;">"設算", 要換"核實"需另外向</span><span style="font-family: 新細明體; line-height: 20px;">證券公司</span><span style="font-family: 新細明體; line-height: 20px;">申請</span><br />
<span style="font-family: 新細明體; line-height: 20px;"><br /></span>
<span style="background-color: cyan; font-family: 新細明體; line-height: 20px;">選"</span><span style="background-color: cyan; font-family: 新細明體; line-height: 20px;">設算</span><span style="font-family: 新細明體; line-height: 20px;"><span style="background-color: cyan;">",</span> <span style="background-color: white;">你賣股票的時候, 證券公司就會依據<span style="color: red;">台股指數(8500以上要課稅)</span>, 自動幫你扣<span style="color: red;">賣出股價0.02~0.06%的所得稅</span>, 不管賣這張股票是賺是賠,賣的時候都要扣稅</span></span><br />
<span style="font-family: 新細明體; line-height: 20px;">=> 例如: 8800點時賣了一張10萬塊的台積電, 證所稅= 100,000*0.2*0.001 = 2, 就是2元</span><br />
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<span style="font-family: 新細明體; line-height: 20px;"><span style="background-color: cyan;">選"核實", </span><span style="background-color: white; color: red;">不管</span></span><span style="background-color: white; color: red; font-family: 新細明體; line-height: 20px;">台股指數</span><span style="background-color: white; font-family: 新細明體; line-height: 20px;">幾點, 賣股票</span><span style="background-color: white; color: red; font-family: 新細明體; line-height: 20px;">賺到的錢</span><span style="background-color: white; font-family: 新細明體; line-height: 20px;">(賣價-買價-雜費)都用</span><span style="background-color: white; color: red; font-family: 新細明體; line-height: 20px;">15%</span><span style="background-color: white; font-family: 新細明體; line-height: 20px;">來課稅, 盈虧可加總</span><br />
<span style="font-family: 新細明體; line-height: 20px;">=> </span><span style="font-family: 新細明體; line-height: 20px;">例如:</span><span style="font-family: 新細明體; line-height: 20px;"> </span><span style="font-family: 新細明體; line-height: 20px;">買9萬的台積電, 賣10萬, 手續費271, </span><span style="font-family: arial, sans-serif;">證劵交易稅：300, </span><span style="font-family: 新細明體; line-height: 20px;">證所稅=(100000-90000-271-300)*15%=1414.5, 就是1415元</span><br />
<span style="color: magenta; font-family: 新細明體; line-height: 20px;">看起來設算制划算很多~~~~</span><br />
<span style="font-family: 新細明體;"><span style="background-color: white; line-height: 20px;">,but</span><span style="background-color: yellow;"><span style="line-height: 20px;"> </span><span style="line-height: 20px;">104年之後, </span></span></span><span style="background-color: yellow; font-family: 新細明體; line-height: 20px;">就沒得選啦,只有核實課稅囉~~~</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbgoPAdHBRmisOxQfLJ9jB7a8ISRytWAkkHnCYVii_roEfPBlehIzHRgcL21ikMu5V1uVaz9ztzIs0lt2Fq4n6ZrsPSGiJS8sBCF7CiTVoN7GZsBvwuD98BD3PN1u8c_mQW5Z5Nq35kVI/s1600/%E8%AD%89%E6%89%80%E7%A8%85102103.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="395" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbgoPAdHBRmisOxQfLJ9jB7a8ISRytWAkkHnCYVii_roEfPBlehIzHRgcL21ikMu5V1uVaz9ztzIs0lt2Fq4n6ZrsPSGiJS8sBCF7CiTVoN7GZsBvwuD98BD3PN1u8c_mQW5Z5Nq35kVI/s640/%E8%AD%89%E6%89%80%E7%A8%85102103.PNG" width="640" /></a></div>
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<span style="font-family: 新細明體;"><span style="background-color: white; line-height: 20px;">詳情可參閱<a href="http://www.mof.gov.tw/ct.asp?xItem=68751&CtNode=2671&mp=1" target="_blank">財政部</a></span></span><br />
<span style="background-color: white; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span><br />
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com0tag:blogger.com,1999:blog-2896048496251452053.post-35594837331098560042012-11-10T01:16:00.003-08:002012-11-11T22:09:14.574-08:00[新竹重劃區] 關埔二期<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinViZlw5eS16jNvOwpqHGTrAhSMkoFWkqsyMgnw1ENHREnYvGDuBpnFY4YL1dCBDwmVptbC-O8ndj3ROvVN9-quJgTsMtnbmGQZA9QDhOWqvAZalFkBrtT6uEgr2kRkNlVQnfFEunVkn4/s1600/%E8%BE%B2%E7%94%A8.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinViZlw5eS16jNvOwpqHGTrAhSMkoFWkqsyMgnw1ENHREnYvGDuBpnFY4YL1dCBDwmVptbC-O8ndj3ROvVN9-quJgTsMtnbmGQZA9QDhOWqvAZalFkBrtT6uEgr2kRkNlVQnfFEunVkn4/s200/%E8%BE%B2%E7%94%A8.png" width="199" /></a></div>
近五年來, 新竹關埔重劃區的開發讓人見識到竹科人的強大購屋能力, 關埔區地主於是開始惜售(只租不賣), 目前的土地開發已經到了看的到買不到的階段, 有了這樣成功的經驗, 新竹市政府更是乘勝追擊的提出關埔二期重劃區的計畫.<br />
<span style="font-family: Arial, PMingLiU; line-height: 22px;"> <span style="color: red;">關埔二期重劃區開發土地</span>使用面積共96.81公頃,土地使用分區計有住宅</span><span style="font-family: Arial, PMingLiU; line-height: 22px;">區, 商業區, 乙種工業區, 商務區, 產服</span><span style="font-family: Arial, PMingLiU; line-height: 22px;">區, 宗教區及農業區等計<span style="color: red;">58.27公頃</span>. 公設用地有停車場用地, 連接站用地, 交通用地, 道路用地, 人行步道用地計38.54公頃, 公設約占40％. (</span>可參<a href="http://landuse.hccg.gov.tw/" target="_blank">考新竹市都市發展處</a><span style="font-family: Arial, PMingLiU; line-height: 22px;">)</span><br />
一眼望去, 關埔二期現在都還是綠油油的農地, 但價格就已經漲到了一坪15萬以上, 因為<span style="background-color: white; font-family: Arial; line-height: 19px;">100坪的農地將會配還49坪的建地, 算起來每坪建地的成本約30萬, 比起關埔一期一坪60~80萬來說相對便宜很多</span>, 讓建商, 開發商, 投資客紛紛來提"錢"卡位.<br />
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<span style="background-color: yellow;"><span style="font-family: 標楷體; font-size: large;">★</span>關埔二期是斜線部分</span><br />
<span style="background-color: #b4a7d6;"><span style="font-family: 標楷體; font-size: large;">★</span>公道五向東延伸是紫色虛線部分</span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRyPt835CrbERBwDrx-cTRn3wgcBbanwScGLH5qnv5AsC-3vvZ1iTTkiB-EM5NzxHUNCPCsAuEeeBChwQyBPT5OlxrHToERfgz4aCz46eLJP04oYS9bg-bB4OsSzDPullISUs0j9yFwMY/s1600/%E9%97%9C%E5%9F%94%E4%BA%8C%E6%9C%9F.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="592" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRyPt835CrbERBwDrx-cTRn3wgcBbanwScGLH5qnv5AsC-3vvZ1iTTkiB-EM5NzxHUNCPCsAuEeeBChwQyBPT5OlxrHToERfgz4aCz46eLJP04oYS9bg-bB4OsSzDPullISUs0j9yFwMY/s640/%E9%97%9C%E5%9F%94%E4%BA%8C%E6%9C%9F.jpg" width="640" /></a><br />
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<span style="background-color: cyan; font-size: large;"><span style="font-family: 標楷體;">★</span>我的看法呢?</span><br />
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<span style="background-color: white;"><span style="color: red;">1. 交通問題:</span></span><br />
<span style="background-color: white;"> 關埔一期還在開發中, 但是已經發現到區內道路規劃太窄, 對外連接道路不順的問題, 日後交通必定成為最嚴重的問題, 關埔二期內部的道路規劃比較寬, 對外主要道路是公道五(下圖紫色虛線部分,目前正向東延伸), 東西向到市區還算方便, 但是南北向, 園區上下班還是會跟竹北過來的人一起擠</span><br />
<span style="background-color: white;"><span style="color: red;">2. 時間和價格問題:</span></span><br />
<span style="background-color: white;"> 關埔二期才剛通過重劃計劃, 土地還在徵收階段, 距離開發至少還要等五年以上, 所以有急切自住需要的人應該是等不上二期, 而且雖然目前開發商土地成本低, 但是以新竹房地產的趨勢, 同區的房子都是一個比一個貴, 所以不能保證等了五年就會買到比較便宜的新房子</span><br />
<span style="background-color: white;"><span style="color: red;">3. 區內設計:</span></span><br />
有了一期的經驗, 二期區內的道路跟綠地都相對大又多, 居住環境會更舒適, 但是因為較晚開發, 生活機能要再花更多的時間才能慢慢建立<br />
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<span style="background-color: white; color: blue;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span><br />
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<embed height="120" src="http://js1.bloggerads.net/bloggerads_w1.swf?blogid=20121020000016&fid=5" type="application/x-shockwave-flash" width="450"></embed>Anonymoushttp://www.blogger.com/profile/01772498450189973602noreply@blogger.com1tag:blogger.com,1999:blog-2896048496251452053.post-68248021156686051042012-11-07T03:22:00.003-08:002014-07-29T02:03:40.821-07:00[所得稅VS奢侈稅] 房子怎麼賣才能賺最大?<title>理財! 邁向財務自由人生: 房子怎麼賣才能賺最大?</title>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLKeo38eCmdZhvBcXdGhL9n6Th66kPsGylSIkpyEuFoMr16WD1PZQwKgOySGG-98QX9O7wzDVYjQ-crTInL89fCxAgVZw3KNXcui9p9Tub2rULLv_LKS4CP1PivwJdWQ9LUEKp6U8YHW0/s1600/%E6%88%BF%E5%AD%90.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLKeo38eCmdZhvBcXdGhL9n6Th66kPsGylSIkpyEuFoMr16WD1PZQwKgOySGG-98QX9O7wzDVYjQ-crTInL89fCxAgVZw3KNXcui9p9Tub2rULLv_LKS4CP1PivwJdWQ9LUEKp6U8YHW0/s200/%E6%88%BF%E5%AD%90.PNG" height="145" width="200" /></a><span style="font-family: inherit;">2011年政府祭出<span style="background-color: white;"><span style="color: red;">奢侈稅</span></span>之後, 因為<span style="color: blue;">預售屋買賣在奢侈稅排除條款內</span>, 不少房地產投資人轉往思考做預售屋買賣, 但是預售屋跟成屋買賣的課稅制度完全不同喔!!</span><br />
<span style="font-family: inherit;">投資之前還是要先搞清楚, 怎麼賣最賺啦~~~~</span><br />
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<span style="font-family: 新細明體, serif; font-size: 12pt;">★</span><span style="font-family: inherit;">買賣預售屋屬於權利交易, 售價減去成本和相關費用(代書, 換約等)的獲利, 算是財產交易所得, 所以要申報並繳納個人綜合所得稅</span><br />
<span style="font-family: inherit;">簡單的說, <span style="color: #6aa84f;"><b>賣預售屋賺的錢, 全部算個人所得, 要繳所得稅</b></span></span><br />
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<span style="font-family: 新細明體, serif; font-size: 12pt;">★</span><span style="font-family: inherit;">成屋買賣</span>屬於<span style="font-family: inherit;">不動產交易, 處分利得分為出售土地和房屋所得, </span><span style="font-family: inherit;">其中土地所得免納所得稅</span><br />
<span style="font-family: inherit;">簡單的說</span>, <span style="color: #6aa84f;"><b>賣成屋賺的錢, 只有房屋所得, 要繳所得稅</b>.</span><span style="font-family: inherit;">但</span><span style="font-family: inherit;">必須考慮到<span style="color: #6aa84f;"><b>奢侈稅</b></span></span><br />
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舉例: 小明買預售屋1000萬, 小明的綜合所得稅率40%, 他可能會遇到以下的情況:<br />
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<span style="background-color: #ffe599;">情況1: 預售屋出售1500萬, 相關費用10萬 </span><br />
需繳納綜合所得稅 = (1500萬-1000萬 -10萬) x 40% = 156萬<br />
淨利 = 1500萬-1000萬 -10萬 -156萬 = <span style="color: red;">234萬</span><br />
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<span style="background-color: #ffe599;">情況2: 交屋一年內賣出1500萬, 相關費用10萬, 土地增值稅20萬, 出售時<span style="font-family: inherit;"><em style="font-style: normal; line-height: 16px;">房屋</em><em style="font-style: normal; line-height: 16px;">評定</em><span style="line-height: 16px;">價值</span><em style="font-style: normal; line-height: 16px;">占土地公告現值及房屋評定</em><span style="line-height: 16px;">價值總額之</span><em style="font-style: normal; line-height: 16px;">比例是30%</em></span></span><br />
<span style="font-family: inherit;"><em style="background-color: white; font-style: normal; line-height: 16px;">持有房屋未滿一年要繳15%的奢侈稅 = 1500萬*15%= 225萬</em></span><br />
需繳納綜合所得稅 = (1500萬-1000萬 -225萬 -10萬 -20萬 ) x <em style="background-color: white; font-style: normal; line-height: 16px;">30% x </em>40% = 29.4萬<br />
淨利 = 1500萬-1000萬 - 225萬 -10萬 -20萬 -29.4萬 = <span style="color: red;">215.6萬</span><br />
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<span style="background-color: #ffe599;">情況3: 交屋兩年後賣出1500萬, 相關費用10萬, 土地增值稅20萬, 出售時<span style="font-family: inherit;"><em style="font-style: normal; line-height: 16px;">房屋</em><em style="font-style: normal; line-height: 16px;">評定</em><span style="line-height: 16px;">價值</span><em style="font-style: normal; line-height: 16px;">占土地公告現值及房屋評定</em><span style="line-height: 16px;">價值總額之</span><em style="font-style: normal; line-height: 16px;">比例是30%</em></span></span><br />
需繳納綜合所得稅 = (1500萬-1000萬 -10萬 ) x <em style="background-color: white; font-style: normal; line-height: 16px;">30% </em>x 40% = 58.8萬<br />
淨利 = 1500萬-1000萬 -10萬 - 20萬 - 58.8萬 = <span style="color: red;">411.2萬</span><br />
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以上幾種狀況的獲利多寡, 因人而異, 所得稅較低者, 可能預售買賣比較好<br />
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不過, 俗話說的好: 上有政策, 下有對策, 為了賺很大, 還是會有些<span style="background-color: yellow; font-size: large;">不能說的秘密</span>..........</div>
<a name='more'></a>不能說<span style="font-family: inherit; line-height: 18px;">的偷雞摸狗規避方法:</span><br />
<span style="line-height: 18px;">1. 預售屋登記所得較低的親戚(人頭戶), 這樣被課的所得稅就比較低</span><br />
<span style="line-height: 18px;">2. 持有成屋如果未滿兩年(有奢侈稅)時, 可以先交易, 滿兩年後才做產權轉移.</span><br />
<span style="line-height: 18px;"> 持有一年未滿兩年, 賣買可以使用</span><span style="line-height: 18px;">"預告登記", 也就是交易後一年內會做</span><span style="line-height: 18px;">產權轉移.</span><br />
<span style="line-height: 18px;"> </span><span style="line-height: 18px;">持有未</span><span style="line-height: 18px;">滿一年, </span><span style="line-height: 18px;">賣買可以使用</span><span style="line-height: 18px;">"信託", </span><span style="line-height: 18px;">也就是設定某個時間做</span><span style="line-height: 18px;">產權轉移.</span><br />
<span style="line-height: 18px;"> </span><span style="line-height: 18px;">產權轉移前, </span><span style="line-height: 18px;">買方可以先使用房子, 賣方可以先拿到錢</span><br />
<span style="background-color: #ea9999;">喜歡這篇文章的話, 請幫忙點一下下面的廣告 *^.^*</span><br />
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好康快報!!!</div>
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2012/11/5~11/7 <a href="http://richmylife.blogspot.tw/2012/10/blog-post_19.html" style="color: #661199; text-decoration: none;" target="_blank">股票抽籤賺價差的機會, 花20元幫自己買個機會吧!!</a></div>
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4163 鐿鈦科技</div>
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<span style="color: #333333; font-size: 15px;">目前市價123, 抽籤價75, </span><span style="color: red; font-size: large;">價差約5萬元</span></div>
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