[우먼컨슈머= 존발렌타인] “Changing Economy” 경제 변화Do you remember going out with friends? Not too long ago, those times were fearless and fun! In some places, socializing has become a crime. In some places, the police will arrest people for socializing and spending money. Without the travel industr
[우먼컨슈머= 존발렌타인] “Family Heirloom” 가보There is something special about family traditions. It’s pretty amazing when a family has an heirloom that is passed from generation to generation. It could be a piece of jewelry or maybe a piece of art. Maybe there is some fantastic story that go
[우먼컨슈머= 존발렌타인] “Reimbursement” 상환“Money talks,” “It takes money to make money.” Those are two popular expressions. Are they true? Expressions like this are motivating and inspiring. However, they are not always completely true. If you are a business owner or inves
[우먼컨슈머= 존발렌타인] “Overconsumption” 과소비How much stuff do we really need to survive? House appliances are expensive necessities. It’s good to have a quality car. That costs a lot. Who doesn’t want some nice clothes and shoes? Those things are pretty pricey. The cost of quality or
[우먼컨슈머= 존발렌타인] “Inheritance” 상속Let’s be honest. If a relative passed away and left you a financial fortune, you’d be ecstatic. You’d be very sad about the passing away of a loved one, of course. You’d also be super happy about the windfall that came your way. You&
[우먼컨슈머= 존발렌타인] “Charity” 자선What’s mine is mine and I’ve earned it! Why would I work hard and invest my time and energy and then give my earnings away as charity? That is an age-old question and the answer is illogical. It is the good nature of humankind to extend a helping ha
[우먼컨슈머= 존발렌타인] “Non-Deductible” 비공제The government tax department gives citizens a few benefits and discounts. If you reinvest money that you earn, maybe you don’t have to pay taxes on that income. That investment is deductible. The tax laws are quite strict, however. Most items and
[우먼컨슈머= 존발렌타인] “Deductible” 공제 금액It’s nice to get a discount. Even when it’s time to pay taxes, sometimes you can get a discount. One kind of discount is a “deductible”. The word “deduct” means to “take away”. If something is deductible, th
[우먼컨슈머= 존발렌타인] “Second Income” 부수입Monday to Friday, morning until afternoon, eight hours per day, forty hours per week. That seems like a reasonable full-time work schedule. Most jobs will have you work more than that. No matter what, you might need more money than you earn from that job
[우먼컨슈머= 존발렌타인] “Phone App Shopping” 모바일 쇼핑We’ve all got smartphones. They connect us to the universe through the Internet. It’s the perfect environment for random shopping. You have time and that time is probably spent looking at your phone. After a few games and looking at p
[우먼컨슈머= 존발렌타인] “Old Money” 세습 재산We see it in movies and hear stories and rumors about wealthy families. They pass along their wealth from generation to generation. Some of these families have powerful histories that go back more than a hundred years. The descendants of that old money liv
[우먼컨슈머= 존발렌타인] “Flat Broke” 빈털터리If you have absolutely no money, life can be more difficult. If a business loses its money, they might be bankrupt. An individual can be bankrupt, too, but often the expression “broke” is used to indicate having no money. “I’m broke
[우먼컨슈머= 존발렌타인] “Digital Currency” 전자 화폐Actual coin and paper currency were long ago supported by an equal amount of gold in storage at the banks. We no longer live in those conditions. For the money you have in your pocket, there is no gold waiting at the bank. There is no actual physica
[우먼컨슈머= 존발렌타인]“Refund” 환불You spend money for a purchase, but you are not happy about it. You’ve been cheated! Is there nothing you can do? Can the credit card company cancel the purchase? Is it too late for that? Contact the place where you made the purchase and tell them that you
[우먼컨슈머= 존발렌타인] “Thank You” Gifts '감사'의 선물Who doesn’t like to receive gifts? Aside from the occasional unwanted “regift”, most gifts are a pleasure to receive. It’s nice to be appreciated. Is there precedent or protocol for the answer to the question? Indee
[우먼컨슈머= 존발렌타인] “Income Tax Returns” 소득 신고There are only two things in life that we cannot avoid; Paying taxes and dying. The government wants a portion of almost everything we earn. Every year we must report to the King. Don’t dare to lie! That and mistakes will land you in prison.
[우먼컨슈머= 존발렌타인] “Lease or Buy” 임대 혹은 구매You might be thinking about your next new car. You can make the monthly payments and after a certain number of years, you completely own the car.You are totally responsible for taxes and the cost of maintenance. Time will pass and that car will get o
[우먼컨슈머= 존발렌타인] “Consumerism” 소비문화Making and selling and buying and using. This is the heart of consumerism. We are all consumers. We shop and buy and we use things until it’s time to buy something else. Over and over again, this is how we live.Is there a purpose to all of it? Mayb
[우먼컨슈머= 존발렌타인]“Financial Ledger” 가계부One of the most important aspects of managing money is keeping an accurate record. Finding balance between income and expenses is an on-going battle. Trying to organize so many calculations in your head is too difficult. It requires dedication and disc
[우먼컨슈머= 존발렌타인] “Family Expenses” 가계비The cost of managing a healthy family is exorbitant. From food to clothes to education to health, money seems to never stop flowing away. It’s frustrating because we hope to see great benefits from working to earn money, but it’s hard to sa