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歷經八個月的努力 終於拿到證照了🎉
New Zealand Certificate in
Financial Services
Residential Property Lending
(Level 5)
老闆問了不下十次 證書何時到手
Lockdown Day 30
熱騰騰的證書終於寄到家
不用幫我拍拍手
請祝福我可以做得開心又賺得到錢
好吧 還是拍一下好了👏🏻👏🏻👏🏻👏🏻👏🏻
謝謝幫我寫reference letter的台紐好朋友們
不點名 濃烈友情在我們心中❤️❤️❤️❤️❤️
不瞞大家說 收到證照時 眼淚差點奪眶而出🥰
不過挑戰才正要開始 繼續努力💪🏻💪🏻💪🏻
愛爾蘭中央統計處，分析由上年四月至今年四月嘅樓宇價格大概增加要4.5%。
https://www.rte.ie/news/business/2021/0616/1228426-home-prices-see-annual-increase-of-4-5-in-april-cso/?fbclid=IwAR3AhCmBw2To9g3tu0vcR9aePE6zIiO4fQqyh052z7lSXlhNZdwwey_Spck
早晨！一個寧靜嘅早上，終於可以嘆一杯咖啡😄今日同大家分享吓就係愛爾蘭最近好熱好紅嘅新聞,就係政府考慮出招，對外資投資愛爾蘭嘅房地產個問題。
大家睇返分析愛爾蘭嗰個租屋率比較香港係回報率扁高及需求大，所以收租嘅回報率比較高，而且穩定，風險低。好多人唔明白用香港角度來投資愛爾蘭嘅房屋做法係好唔同嘅，炒埋喺呢度容易只會招自損失。
https://www.rte.ie/brainstorm/2021/0513/1221319-ireland-housing-property-reits-tax-investment-funds/?fbclid=IwAR3VETQ6Kg-T5a3lDiZi9UOxk9g8naf0h4EhwJyPZx_0lj_iV7oSgV8eA_w
This is not financial advice, but these are things we wish we knew before we bought our house, and we hope they're helpful to you as well!
This is Part 2, where we read some of the comments and direct messages which we found very helpful and gave us different options to consider.
Things we wish we knew: Before buying our house (Part 1)
https://www.youtube.com/watch?v=72OVIPX47Us
It's good to do your own research and come to your own decisions too.
You can check out the CPF website as there are a lot of helpful information there too.
It's just that previously Sean and I were very clueless so we only learned some things AFTER we bought our home haha!
To check how much CPF you need to return to your CPF Ordinary Account – and Special Account/Retirement Account and Medisave Account, if applicable – you can log in to the CPF website with your SingPass and click on My Statement - Section C: Property - My Public or Private Housing Withdrawal Details.
Other links you can read up:
Bank Loan vs HDB Loan:
https://www.singsaver.com.sg/blog/hdb-loan-vs-bank-loan
CPF interest rates:
https://www.cpf.gov.sg/Members/AboutUs/about-us-info/cpf-interest-rates
Lease Buyback Scheme:
https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/for-our-seniors/monetising-your-flat-for-retirement/lease-buyback-scheme
HDB Sales Proceeds Calculator:
https://homes.hdb.gov.sg/home/calculator/sale-proceeds
How to get $1 Million at 65 years old by CPF:
https://blog.seedly.sg/1m65-1-million-by-65-cpf/
________________________
Feel free to leave us any questions at the comment section.
Thank you for watching!
For sponsorship, product reviews, and collaboration, you can email us here:
pxdkitty@gmail.com
Follow us on Instagram: https://instagram.com/pxdkitty
Our online store:
https://www.pixiepax.sg/
宅大大分享會???
日期：11月28號（星期六）
時間：早上11點-3點
地點：九龍區某大酒店
費用：每位$300
有興趣參加者，可先找宅管家留位
宅管家微信號：zdd_8686
名額有限，額滿即止
*本視頻設有繁體中文/簡體中文字幕功能
操作提示：在右上角按CC鍵，再㨂選所需字幕便可觀看。
相關連結：
～稅收計算器，只要輸入收入狀況資料，就能大概估算出每年繳稅額：
https://www.gov.uk/estimate-income-tax
～國民保險：
https://www.gov.uk/national-insurance
～查市政稅：
http://cti.voa.gov.uk/cti/inits.asp
～行車稅資料：
https://www.gov.uk/vehicle-tax-rate-tables
～印花稅資料：
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
～印花稅計算器：
https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#/intro
～儲蓄稅：
https://www.gov.uk/apply-tax-free-interest-on-savings
～股息稅：
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
～離岸信託：
https://www.pruadviser.co.uk/knowledge-literature/knowledge-library/excluded-property-trusts/#relatedcontent
～英國稅後收入計算器：
https://www.thesalarycalculator.co.uk/salary.php#modal-close
在這宇宙之間，本來就不是只有人類。
那天，我到一間公寓看風水，一走進門內，就踏入了「精靈世界」，緊緊地包圍著我。真佛宗師兄師姐們，師尊講得對，披甲護身很重要，我們一定要注重個人結界。
這「精靈世界」很可能已經住進你家。它們是從何而來？它們會如何影響你家人的財富、健康、事業和孩子呢？
⋯⋯⋯⋯⋯⋯⋯
In this Universe we know, humans are not the only species.
I went to a condo for a Feng Shui audit that day. The moment I stepped inside the home, the realm of goblins surrounded me.
To my Dharma brothers and sisters of True Buddha School, our Grandmaster is very right：personal demarcation is very important. We must take it seriously.
This realm of goblins may very well be already living in your home. Where did they come from? How will they affect your family, wealth, health, career and children?
***************************
阿彌陀佛，你好！我是李季謙，來自新加坡的風水命理師。我將我的一生貢獻於弘揚佛法和中華玄學。這過程曲折離奇，卻也充滿了許多人生的領悟。
通過我的影音與寫作，盼你也能夠突破自己命運的束縛，真正活得精彩。
我命在我，不在天。人生長短無所謂，最重要的是活得有價值，有貢獻。
??? 服務諮詢 ：
https://qianyu.sg/consultations/?lang=zh-hant
聯絡我：
https://qianyu.sg/contact-us/?lang=zh-hant
***********
Hi, I am Lee Ji Qian, a Chinese Metaphysics practitioner from Singapore. This journey in propagating Buddhism and Chinese Metaphysics has been full of hard knocks and exciting discoveries.
Through my videos and online writing, I hope to share my journey with you. So that you too can break free from the limits of your destiny and truly live a life you can call fulfilling. My destiny is in my own hands, not Heaven. So is yours.
It does not matter whether we can live a long or short life.
What matters most is living a life of value and contribution.
??? FOR MY SERVICES：
https://qianyu.sg/consultations/
CONTACT ME:
https://qianyu.sg/contact-us/
? CONNECT WITH ME HERE:
http://www.facebook.com/qianyuSG
https://www.instagram.com/qianyusg/
