急用錢的時候，該怎麼辦？
​
越來越多人選擇個人信用貸款來解決短期資金需求，無論是家庭裝修、醫療支出等，這種
無需抵押、審核快速的貸款方式為你提供了靈活的財務支持。然而，貸款條件多樣，要找
到最適合自己的方案並不容易。

如果你正在考慮申請信用貸款，這篇文章將教你三大技巧，幫助你選擇最符合需求的貸款
方案！

​Regardless of how exciting traveling can be, there’ll be times when you’ll want to hop on the “virtual train” to entertain yourself for a while, while you are stuck at the airport, hanging out at cafes, and many other places.
Surfing the web does come with numerous benefits, however, did you know that if you do not properly protect yourself while browsing the web, then your private and financial data can be at massive risk?
But on a more positive note, you can always opt for a VPN because it is a perfect way to avoid all kinds of cyber threats that are lurking around every corner. If you're not familiar with all the benefits that VPN provides, then these are the facts you should unveil.

VPN & Public Wi-Fi 

Using public Wi-Fi can be extremely practical, however, it also poses numerous risks to the safety of your data. How come? Well, that's because these networks aren't safe enough, or do not come with strong encryption protocols, which means that any hackers can easily spy on all your online activities, and, simultaneously, steal your valuable data.
However, if you put your trust in the hands of the VPN, then all these risks are going to be drastically reduced. If you have a smartphone, then you should download VPN Pro for Android to ensure your device is properly safeguarded. With the assistance of the VPN services, you’ll be able to encrypt the internet traffic, and, secure the data from interception.
Speaking of this, make sure to avoid accessing sensitive data, like online banking, or typing in your passwords when you're connected to public Wi-Fi. If you take different preventative safety measures, such as this one, you'll be able to successfully keep various online threats at bay.

With a VPN, You Can Access Any Part Of The Web 

Unfortunately, there are countries that do not have access to all those interesting platforms that others use on a regular basis, which can be a real shame when you're traveling and you want to entertain yourself a bit.
However, when you resort to a VPN, then all these forbidden virtual places suddenly become accessible. Their doors are widely open to you, so you can keep having your virtual adventures even when you're on the go.
The bottom line is that every single restriction that you encounter, can easily be bypassed when you make use of a VPN. That's how effective it is!

You Can Chill With Netflix No Matter Where You Are! 

Speaking of online entertainment, most people today cannot imagine a single second without their beloved Netflix. That’s because it’s packed with numerous TV shows and movies that will keep you glued to the screen.
However, if you notice that certain content isn't shown in the place you're currently at, then it's time to turn to an omnipotent VPN, because, with it, you can choose an IP address location that will allow you to access your favorite content.

​If you're about to plan your upcoming trip, and you are about to create a list of essentials that will make this journey even more enjoyable, then don't forget to include a VPN too, and make use of all its perks.

​出國上網不卡卡：用 eSIM 行動數據最方便出國旅行時，你是否曾經為了省漫遊費想買當地 SIM 卡，卻在機場找不到電信商，或因語言不通而花冤枉錢？或是想用咖啡廳的 Wi-Fi，卻被要求輸入當地電話號碼驗證，還擔心資安風險？

現在，這些問題都有更簡單的解決方案——eSIM！
​
有人可能會好奇，到底 eSIM 要怎麼用？eSIM 跟實體 SIM 卡有什麼不同？eSIM 跟漫遊、Wi-Fi 分享器比起來，哪個更划算？以下我們就來幫大家科普一下 eSIM 是什麼！

eSIM 怎麼用？

一般新手在剛接觸eSIM時，最大的疑惑應該是 eSIM 跟實體 SIM 卡有什麼區別？

其實 eSIM 就像一張虛擬的 SIM 卡，內建於手機中，不需要實體卡片。只要選購適合的 eSIM 方案（如 Saily），按照指示設定手機，就能立即在國外使用行動網路，無需換卡，操作簡單！

不需要特地找出退卡針來抽換 SIM 卡，當然也不會有 SIM 卡遺失或損壞的風險。不需要到實體電信門市操作，就可以自行啟動 eSIM 行動網路方案，或是隨時切換行動網路，對於沒時間或不擅跟店員互動的 I 人用戶來說，簡直夢寐以求！
 
旅行用 eSIM、漫遊、Wi-Fi 分享器哪個好？有新聞分享，出國一趟回來居然收到一筆好幾萬塊的手機帳單，嚇得許多人以為出國上網一定就會很貴！其實現在出國上網已經有很多選擇了，除了傳統的漫遊模式以外，還有 Wi-Fi 分享器跟旅遊當地的 SIM 卡，而最新流行的就是 eSIM 了。
以下是出國上網各種方式比較：

​出國上網最推薦的方式：eSIM 旅行

綜合以上資訊，我們認為傳統的漫遊方式雖然最方便，但是價格也是最高的，過往幾乎都是臨時要出國或短期商務行程才會使用，一般旅客會去租借 Wi-Fi 分享器或買旅遊 SIM 卡換裝才比較省錢，不過這兩個選項都需要事先準備，沒辦法說走就走。

近年來才推出的 eSIM，比漫遊更方便，但價格卻便宜很多，有時甚至比 Wi-Fi 分享器或旅遊 SIM 卡划算，對於出國需要便宜又穩定的網路，但又想保持原門號接電話的功能的人來說是首選！

此外，eSIM 不僅免去換卡麻煩，還能在多國之間無縫切換，避免四處尋找公共 Wi-Fi，提升資安防護。因此，出國旅行時，eSIM 絕對是最佳選擇！目前 eSIM 的業者中，Saily 是評價相當不錯的選擇，因為價格優惠，且行動數據方案也比較多，是很多網友的私心推薦哦！

你知道嗎？只要選對信用卡，日常消費也能幫你省下一筆錢！
 
無論是餐廳用餐、網購剁手，或是海外旅行，都能透過信用卡回饋享受更多優惠與便利，讓每筆消費更划算。
 
以下將為你解密信用卡現金紅利的運作方式，並分享三個使用訣竅，幫助你輕鬆掌握省錢秘訣！

In the world of finance, there are various ways to build a passive income stream. One such method is through prop firm trading. But what exactly is proprietary trading, and how can it be used to generate a steady flow of income? In this article, we will explore the ins and outs of prop firm trading and provide you with a step-by-step guide on how to get started.
​
Understanding Proprietary Trading
Before diving into the world of prop firm trading, it's essential to have a clear understanding of what proprietary trading actually entails.
Proprietary trading, also known as prop trading, involves the trading of financial instruments using a firm's own capital. This is in contrast to traditional trading, where individuals trade with their own funds.

What is Proprietary Trading?
Proprietary trading is a practice in which a firm trades financial instruments, such as stocks, bonds, commodities, or currencies, using its own capital. The goal of prop trading is to generate profits for the firm by taking advantage of market inefficiencies or price discrepancies.
Unlike other forms of trading, such as retail trading or institutional trading, where individuals or institutions trade with their own money or on behalf of clients, prop traders trade with the firm's money.

The Role of Prop Firms in the Financial Market
Prop trading firms play an important role in the financial market ecosystem. They provide liquidity to the markets by actively trading financial instruments. Additionally, they help to bridge the gap between individual retail traders and institutional traders.
Prop firms offer aspiring traders the opportunity to trade with their capital, providing access to advanced trading platforms, research tools, and infrastructure that individual traders may not have access to.

The Basics of Building a Passive Income Stream
Now that we have a fundamental understanding of proprietary trading, let's explore the basics of building a passive income stream.

Defining Passive Income
Passive income refers to income that is earned on an ongoing basis with little to no effort required to maintain it. This is in contrast to active income, where individuals need to actively work to earn money.
Passive income can come from a variety of sources, including rental properties, dividend stocks, interest from savings accounts, and, in this case, through prop firm trading.
The Importance of Diversification in Income StreamsWhen it comes to building a passive income stream, diversification is crucial. Relying on a single source of passive income can be risky as it leaves you vulnerable to potential fluctuations or disruptions in that particular income stream.
By diversifying your income streams, you spread out your risk and increase the likelihood of having a stable and consistent passive income. This can involve investing in multiple real estate properties, owning a diversified portfolio of stocks and bonds, or exploring different passive income avenues such as prop trading.

How Prop Trading Can Generate Passive Income
Now that we understand the basics of passive income and the importance of diversification, let's explore how prop trading can help you generate a consistent passive income stream.

The Process of Prop Trading
Prop trading typically involves a structured process. Aspiring prop traders are required to undergo comprehensive training to develop the necessary skills and knowledge to excel in the financial markets.
Once trained, prop traders are provided with a trading account funded by the prop firm. Traders then utilize the firm's capital to trade various financial instruments in the pursuit of generating profits.

Potential Returns from Prop Trading
The potential returns from prop trading can vary significantly and depend on various factors, including market conditions, trading strategies, and the trader's skills and experience.
While there is potential to generate substantial profits from prop trading, it's important to note that trading always carries inherent risks. As such, it's crucial to approach prop trading with a disciplined and risk-managed approach.

Risks and Challenges in Prop Trading
As with any form of trading, prop trading is not without its risks and challenges. It's essential to be aware of these factors before embarking on your prop trading journey.

Common Risks in Proprietary Trading
Proprietary trading involves various risks, including market risk, liquidity risk, and operational risk. Market risk refers to the possibility of losses due to changes in market conditions or unexpected events.
Liquidity risk involves the risk of being unable to execute trades at desired prices due to a lack of buyers or sellers in the market. Operational risk refers to the risk of losses resulting from operational failures or errors.

How to Mitigate Trading Risks
While it is impossible to eliminate all trading risks, there are steps you can take to mitigate them. These include implementing risk management strategies such as setting stop-loss orders, diversifying your trading portfolio, and constantly updating your trading knowledge and skills.
Additionally, maintaining a disciplined approach to trading, managing emotions, and adhering to a well-defined trading plan can help in reducing potential risks.

Steps to Start Prop Trading for Passive Income
If you're interested in pursuing prop trading as a means of generating passive income, here are some essential steps to get started.

Choosing the Right Prop Trading Firm
Before starting prop trading, it's crucial to research and choose a reputable prop trading firm. Look for firms that offer competitive profit-sharing arrangements, provide comprehensive training programs, and have a solid track record in the industry.

Developing a Trading Strategy
Once you have selected a prop trading firm, it's time to develop a trading strategy. A trading strategy outlines the methodology and rules you will follow when executing trades. This includes factors such as entry and exit points, risk tolerance, and position sizing.
It's essential to develop a strategy that aligns with your trading style, risk tolerance, and market conditions. Backtesting and paper trading are useful tools that can help you refine your strategy before deploying it in live trading.

Maintaining and Growing Your Passive Income Stream
Finally, once you have started prop trading and established a passive income stream, it's crucial to monitor and manage your trades regularly. Evaluate the performance of your trades, analyze market trends, and adapt your trading strategy as needed.
Continuously expanding your trading knowledge, learning from experienced traders, and staying updated with market news and events will help you maintain and grow your passive income stream through prop trading.
​
In conclusion, prop firm trading can be a viable option for building a passive income stream. By understanding the fundamentals of proprietary trading, diversifying your income sources, managing risks, and following a disciplined approach, you can potentially generate consistent returns from prop trading. For those beginning this journey, a finotive funding guide can serve as a crucial resource to navigate the intricacies of prop trading and create a solid foundation for success. Remember, prop trading is not without risks, and it requires ongoing commitment and continuous learning. With the right mindset and approach, prop firm trading can become a valuable tool in your pursuit of financial independence and passive income generation.

嗨，各位小夥伴們！我是一名在國外晃悠了好一陣子的台灣人。今天我的心情有點複雜，最近啊，我這腦袋裡一直在糾結一件超級大的事兒，那就是2024年搬回台灣到底值不值得呢？這可真是個讓人糾結頭髮都要掉光的難題啊！我想來和大家嘮嘮我這心裡的小九九。
 
我為什麼會有搬回台灣這個念頭呢？ 

我們先說說在國外生活的這些日子吧。我在國外待了這麼久，有好有壞。好的呢，就是見識了不少新東西：我看到了不一樣的風景，體驗了不同的文化，有很多新鮮事兒，我也認識了不少很有意思的新朋友。但是呢，時間一長，總覺得缺少了些什麼，我這心裡就開始不舒服了。有時候，那種飄來飄去的感覺真的讓我很難受。每當我走在陌生的街道上，總覺得自己是個外人。每當夜深人靜的時候，我會特別想念台灣，想念那熟悉的街道，想念那一口口地道的美食，想念家裡的親人和朋友。
 
那如果搬回台灣呢？

​好處也是不少滴。台灣，那是我的根。
 
首先呢，台灣有我們最愛的美食啊！在國外的時候，整天就是漢堡、薯條、披薩什麼的，吃多了真的膩得難受。一想到台灣滷肉飯的香氣、蚵仔煎的鮮美、大腸包小腸……光想想就流口水啦。而且，在台灣，和家人朋友在一起，那種溫暖的感覺是在國外怎麼也找不到的。可以隨時約朋友去夜市逛逛，吃吃喝喝，聊聊八卦，這日子多愜意啊。
 
·家人也在台灣，能多陪陪他們。在國外的時候，雖然也能視訊聊天什麼的，但是跟面對面的感覺完全不一樣。有時候遇到點事兒，想找個人說說心裡話，都覺得隔著那麼遠，不踏實。搬回台灣後，我們就可以常常見面，一起吃飯、一起聊天、一起分享生活中的喜怒哀樂。我想在他們身邊，感受那份實實在在的溫暖與關懷，真的太讓人懷念了。
 
·而且，台灣的生活節奏也比較適中，不像有些國外的大城市那麼快節奏，讓人喘不過氣來。在台灣，我可以有更多的時間去享受生活，去做自己喜歡的事。台灣的自然風光也很美啊，我可以去海邊散步，去山上看看風景。這種悠閒的生活方式，真的很吸引人呢。
 
工作方面呢，台灣也有很多機會。雖然可能沒有國外那麼高的薪資，但是生活成本也相對低一些呀。而且，在自己熟悉的環境工作，會更有歸屬感。
 
而且，台灣的醫療水準也很不錯。如果有什麼病痛，可以及時得到治療。台灣的社會治安也比較好，不用擔心安全問題。
 
還有，台灣的文化氛圍也很濃厚。可以參加各種文化活動，豐富自己的生活。
 
但是呢，搬回台灣也不是沒有顧慮啦。 

這想搬回去的心雖然強烈，但想到實際的問題，我又開始猶豫了。畢竟在國外生活了這麼久，我已經習慣了這裡的生活方式。擔心回去後會不適應台灣的節奏，擔心找不到合適的工作，擔心生活成本太高......各種擔心湧上心頭。回到台灣，我可能會面臨一些挑戰和困難。
 
我們先來聊聊台灣的生活成本的問題吧。在國外生活了這麼久，物價水準其實也不低，但也習慣了，相對來說比較穩定，房租、水電費、食品價格等都有一定的規律可循。但聽說台灣這些年物價也漲了不少啊。特別是房價，那簡直是高得嚇人。台北的房價就不用說了，貴得離譜。其他城市的房價雖然相對低一些，但也不便宜。要是搬回去，住哪裡就是個大問題。是買房還是租房？買房子吧，壓力太大，不知道得奮鬥多少年才能買得起；租房子吧，又擔心不穩定，隨時可能被房東趕出來，整天提心吊膽的。
 
還有水電費啊、物業費啊這些日常開銷也不低。在國外的時候，這些費用還比較好控制，但是聽說台灣的水電費有時候會讓人吃不消。為了控制這些費用，許多人現在開始使用 VPN 來節省網路開銷，特別是 YouTube 的流量費用。找到 YouTube VPN 最平的方案尤其重要。特別是夏天，冷氣一開，電費那叫一個嚇人，蹭著上漲。台灣的美食雖然很多，食物價格也不便宜呢，有些進口的東西比國外還貴。所以，生活成本這一塊，壓力太大了，真的是讓我很糾結。
 
再來說說工作吧。在國外，我有一份還不錯的工作，收入也還可以。但是如果搬回台灣，能不能找到適合的工作呢？這真的是一個很大的未知數。台灣的就業市場競爭也很激烈啊，特別是一些熱門產業。而且薪資水準也不一定有國外高。要是回去後收入大幅下降，那生活品質一定也會受到影響。但是呢，我又覺得在台灣工作可能更有歸屬感。畢竟是在自己的家鄉嘛，語言、文化都沒有障礙。而且說不定還能有一些新的發展機會。所以，工作這一塊，真的是讓我左右為難。
 
教育也是個大問題啊。如果我搬回台灣，我的孩子的教育怎麼辦呢？在國外的時候，孩子接受的教育也還不錯，教育資源相對來說比較豐富，而且教育方式也比較多元化。但是，台灣的教育也有自己的優勢。台灣的教育注重傳統文化的傳承，在一些學科方面也有很高的程度。但是呢，台灣的教育也存在一些問題，升學壓力很大，孩子競爭也很激烈。這真的讓我很糾結，不知道該怎麼選擇才好。所以，在教育這一塊，我也需要好好考慮。
 
說了這麼多，我還是沒個準主意。到底是搬回台灣好呢，還是繼續留在國外好呢？真的好糾結啊！我也想問其他在國外生活過的朋友們，你們有沒有類似的糾結呢？你們是怎麼想的呢？
 
不過呢，我覺得吧，值不值得搬回台灣，這個問題沒有一個標準答案。每個人的情況都不一樣，所以需要根據自己的實際狀況來做決定。不管怎麼說，這都是個重大的決定，不能草率行事。我得再好好考慮考慮，權衡一下利弊。畢竟這關係到我和我的家人未來的生活。
 
希望我能盡快做出一個讓自己不後悔的決定吧。也希望大家都能在自己選擇的生活中過得幸福快樂。

Tax season is here. In Singapore, taxes must be filed before April 18th. As a foreigner, you might be wondering how to file a tax return and what the regulations are. Luckily Singapore has made it easy by creating an online tax filing system that you can complete from your computer, although you do still have to physically send some forms to the tax office. Let us answer some common questions about tax filing that might come up:

Forward: The following is Q+A for tax year 2023 only, based on information provided on Singapore's IRAS website for your reference only. Personal income tax can be a complicated issue; for specific answers regarding your tax situation please call the IRAS hotline at 1800 356 8300 from Monday to Friday, 8:00 am to 5:00 pm. The ultimate decision for tax payable is up to the discretion of the Singapore tax office.

Tax season is here. In Thailand, taxes must be filed before April 8th. As a foreigner, you might be wondering how to file a tax return and what the regulations are. Luckily Thailand has made it easy by creating an online tax filing system that you can complete from your computer, although you do still have to physically send some forms to the tax office. Let us answer some common questions about tax filing that might come up:

Forward: The following is Q+A for tax year 2023 only, based on information provided on Thailand's Ministry of Finance website for your reference only. Personal income tax can be a complicated issue; for specific answers regarding your tax situation please contact the Thailand tax office: +66 1161 from 8:30 AM to 6 PM. The ultimate decision for tax payable is up to the discretion of the Thailand tax office.
 
Q: When should I file Taxes?
A: Before March 31st for paper filing or April 8th for online filing after the tax year (the tax year is the same as the calendar year).


Q: When are Thailand tax payments due?
A: Tax payments are due March 31st for paper filing or April 8th for online filing.
 
Q: What makes me eligible to pay Thailand taxes (or what makes me a tax resident)?

A: You become a Thailand tax resident if you stay in Thailand longer than 180 days. Nonresidents are those that stay less than 180 days in the country.

Tax residents are taxed on foreign income that is brought into Thailand. Non-tax residents are taxed only on income earned from Thailand.
​
Q: How do I count the days I stayed in Thailand?
A: Please note that the day you come to Thailand doesn't count, but the day you leave does. It's a good idea to keep track of the number of days you have been in Thailand via the stamps on your passport.

​Q: What is the income tax rate?/ How much is Thailand tax?

A: The income tax rate varies from 5% to 35% depending on the salary amount.

Thailand 2023 Progressive Tax Rate Table (THB): 
​