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보험시장 구조조정 시작? 금융위 ‘롯데손보 경영개선권고’가 의미하는 5가지 변화
2025년 11월 6일 기준, 금융위원회가 롯데손해보험에 ‘경영개선권고’ 조치를 내리며 보험업계 전반의 구조조정이 본격화되고 있습니다. 이번 결정은 자본적정성·건전성 악화를 이유로 이루어졌으며, 시장 전반의 불안 신호로 해석됩니다. Quick breakdown 👇 이번 조치는
10·15 대책 이후 전세대출 급감! 갭투자 시장에 어떤 변화가 생겼을까?
최근 2025년 10·15 부동산 대책 발표 이후 전세대출이 1년 반 만에 가장 큰 폭으로 감소하며 투자자와 실수요자 모두의 관심이 집중되고 있습니다. 이번 포스팅에서는 전세대출 급감이 부동산 시장과 갭투자 흐름에 어떤
USA Benefits
US HSA Guide 2026: Stop Spending, Start Investing—How to Maximize Your Health Savings Account for Retirement (New Limits & The “Triple-Tax” Strategy)
Core Answer: For 2026, the IRS has increased HSA contribution limits to approximately $4,300 for self-only coverage and $8,550 for family coverage (subject to final IRS confirmation). To maximize this
US Home Equity Guide 2026: HELOC vs. Home Equity Loan (HELOAN) – Which is Best in a High-Rate Environment? (Renovation & Debt Consolidation Strategy)
Core Answer: In 2026’s persistent high-interest rate environment, choosing between a Home Equity Line of Credit (HELOC) and a Home Equity Loan (HELOAN) hinges on your need for payment certainty
US Tax Refund 2026 Guide: Maximizing Middle-Class Credits & Deductions for the 2025 Tax Year (CTC, EITC & Green Incentives)
Core Answer: The 2026 tax filing season (for the 2025 tax year) offers significant refund opportunities due to inflation-adjusted Standard Deductions and expanded eligibility for key credits. To maximize your
US Health Insurance Deadline 2026 Alert: Lock in Enhanced Subsidies Before Open Enrollment Ends
Core Answer: The final deadline for 2026 Health Insurance Marketplace coverage is imminent. For most states using Healthcare.gov, **January 15, 2026**, is the last day to enroll for coverage starting
US Home Energy Rebates 2026 Guide: Claim Up to $14,000 in IRA Instant Discounts
Core Answer: In 2026, the Inflation Reduction Act (IRA) Home Energy Rebates are rolling out state-by-state, offering up to $14,000 in upfront, point-of-sale discounts for electrification projects like heat pumps
Australia Benefits
Canada Benefits
Canada TFSA Guide 2026: New Annual Limit & Strategy to Turn “Savings” into Tax-Free “Investment Wealth” (CRA Rules & Growth Tactics)
Core Answer: For 2026, the annual contribution limit for the Tax-Free Savings Account (TFSA) has been officially set at $7,500, reflecting adjustments for inflation. This brings the total cumulative lifetime
Canada FHSA Guide 2026: The Ultimate Strategy to Maximize Your Down Payment (FHSA vs. RRSP HBP vs. TFSA Comparison)
Core Answer: For aspiring first-time homebuyers in Canada in 2026, the First Home Savings Account (FHSA) is the undisputed top priority for down payment savings. It combines the best features
Canada RRSP Deadline 2026 Guide: Maximizing Your 2025 Tax Refund Before the 60-Day Window Closes (Strategies & Limits)
Core Answer: The deadline to contribute to your Registered Retirement Savings Plan (RRSP) for the 2025 tax year is March 2, 2026. Contributions made within this “first 60 days” window
Canada RRSP Deadline 2026 Alert: Slash Your 2025 Tax Bill Before March 3rd
Core Answer: The deadline to make a Registered Retirement Savings Plan (RRSP) contribution that can be deducted from your 2025 income taxes is March 2, 2026 (the first 60 days
New Zealand Benefits
NZ School Fees vs. Donations 2026: What You legally Have to Pay & How to Claim Tax Rebates
Core Answer: In NZ state schools for 2026, “school donations” are voluntary, and your child cannot be excluded from core activities for non-payment. However, “Attendance Dues” at state-integrated schools (like
Singapore Benefits
Singapore MediShield Life 2026 Review: Higher Premiums vs. Better Benefits – Is the Trade-off Worth It? (CPF MediSave Impact Guide)
Core Answer: The 2026 review of MediShield Life inevitably leads to premium adjustments to cope with rising healthcare costs and an aging population. However, this is balanced by significant benefit
Singapore SkillsFuture Credit 2026: Maximizing Your Top-Ups for High-Growth Career Skills (AI, Green Tech Strategy)
Core Answer: In 2026, the smartest use of your SkillsFuture Credit (including recent Mid-Career Top-ups) is not on casual hobby courses, but on strategic upskilling in high-demand sectors. Focusing your
Singapore EHG 2026 Guide: Max $120K Grant & Higher Income Ceilings for First-Timers (HDB & CPF Strategy)
Core Answer: The 2026 Enhanced CPF Housing Grant (EHG) significantly boosts support for first-time Singaporean homebuyers, raising the maximum grant to S$120,000 and relaxing household income ceilings. This key policy
United Kingdom Benefits
UK Inheritance Tax (IHT) Planning Guide 2026: Mitigating the 40% Bill in the Era of Frozen Thresholds (Gifting, Trusts & Pensions Strategy)
UK Mortgage Remortgaging Guide 2026: Fixed vs Tracker Strategy in the “New Normal” Rate Environment (Avoiding the SVR Trap)
UK ISA & Pension Allowances Guide 2026: Maximising Your Tax-Free Wealth Before the April 5th Deadline (Stocks and Shares vs Cash Strategy)
UK Childcare Support 2026: How to Claim 30 Hours Free & £2,000 Tax-Free Top-ups
UK Lifetime ISA (LISA) 2026 Guide: Get a 25% Government Bonus for Your First Home Deposit
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