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Loss of Coin Due to 'Eubbit' Hacking, Bankruptcy Procedure

 

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The virtual currency exchange, Ubit, has decided to go bankrupt after suffering a coin loss from hacking. This is the first time that the virtual currency exchange is going bankrupt due to hacking in Korea.

"We lost the coin purse today because of the hacking at 4:35 a.m. today," Yubbit said on its website.

The company says there were no additional losses because the amount of coin losses from the hacking was about 17 percent of its total assets, while the other coins were stored in cold jails (outdoor storage systems disconnected from the Internet). "The management wants to proceed with the suspension of transactions, suspension of deposits, and bankruptcy on the 19th."

As of 2:00 p.m. on the same day, Yubbit told us that all coins and cash receipts will be suspended, and that due to bankruptcy, cash and coins will be settled in accordance with all bankruptcy procedures. To minimize damage, Yubbit said, "As of 4 a.m., 75 percent of the balance will be deducted in advance." The remaining outstanding parts will be paid after final settlement is completed.

"Our members are expected to lose more than 17 percent through a number of measures, including the sale of 3 billion won of cyber insurance and the company's operating rights," said Yubbit. Although the amount of damage will vary depending on the result of liquidation, the investors are expected to be opposed as they said that they should share the bankruptcy damage caused by the stock exchange hacking accident.

Previously, Yapian, the predecessor of Ubbit, was arrested in April for stealing 3,831 bitcoin (about 5.5 billion won at the time) and informed investors to share a total of 37 percent of the losses.


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This year alone, there was a case of Nice Hash hacking on the Coinz Exchange.


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In addition to the activation of coin trading, hacking damage has continued to threaten incomplete security systems.

In addition to Yapian, Coinaz was hacked last September, and the virtual money mining company, Nice Hash, posted on its Facebook account on July 7 (Korea time), saying that the electronic wallet of Nice Hashbitcoin was stolen (hacked) because of a security breach involving the company's website.

Nice Hash is a company that supports connection between Bitcoin miners and those who can devote computing capacity, and regularly pays Bitcoin to computing capacity providers.


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Member Information Disclosure, Server Down Cases


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In June, 36,000 members were leaked from Bithumb, the nation's largest bourse.

It's not a hack, but investors who suffered losses are preparing to sue Bithumb as his server went down on April 12 when the price of virtual money keeps soaring.

The soaring Bitcoin cash in November once fell to 1.3 million won worth of 2.85 million won when Bithumb's server went down.

 

 

 

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What to Pay attention to when dealing with virtual currency


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1. Security issues

While the exchange must be secure, it is recommended that private investors change their password management from time to time.

If you use multiple exchanges, using different passwords can confuse security issues. If one is hacked, the other can be hacked.

 

2. Strengthen OTP Security

If possible, it is advisable to do OTP security one more time.

 


3. Prevent Virus Penetration in Transactions

You should update your computer or mobile phone, a means of dealing with virtual money, to ensure that it is safe for malicious code and viruses.

 

We can't overemphasize the security issue of virtual money.

The virtual money market is a market with no lid or floor, and it goes up and down by a certain percentage per day. Behind the convenience of always doing business 24 hours a day, there is always a security issue, and I think it's necessary to pay attention to individual investors.

 

 

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"U-BIT"黑客入侵导致COIN损失,进入破产程序

 

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虚拟货币交易所"U-BIT"因黑客攻击而遭受硬币损失,决定启动破产程序。 "这是国内首次因黑客入侵而使虚拟货币交易所进入破产程序。"

19日,U-BIT通过主页表示:"今天上午4点35分,因黑客入侵,硬币出钞钱包出现了损失。"

公司表示,黑客入侵造成的硬币损失额约占总资产的17%,此外硬币还保管在电脑钱包(与网络隔绝的外部存储装置),因此没有追加损失。 同时,他还表示:"经营团队将于19日启动中断交易,停止存取款措施及破产程序。"

当天下午2点,U-BIT向我们介绍,所有Coin和现金的进出被停止,由于破产,现金和Coin的清算将按所有破产程序进行。 尤比特解释说,"但为了减少损失,以当天上午4时为准,将采取措施,使余额的75%可以提前出纳。" 剩下的未支付部分,将在最终整理完毕后支付。

尤比特补充说:"通过公司加入的网络综合保险(30亿韩元)和出售公司经营权等各种方案,预计会员的损失额将比17%更低。" "虽然根据清算结果损失规模不同,但这是虚拟货币投资者们要分担交易所黑客事件导致的破产损失,因此预计将会引起投资者们的抗议。"

此前,U-BIT的前身——Yapian在今年4月因黑客攻击被抢走3831个(当时标准约55亿韩元)beat coin后,曾公开要求投资者分担高达37%的损失额,引发了争议。


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仅今年就发生了Koin Is交易所,Nice Hash黑客事件。


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随着硬币交易的活跃,威胁不完整的保安系统的黑客灾害持续发生。

除了(株)yapian之外,9月koin is交易所也遭到黑客攻击,虚拟货币开采公司"nice ash"7日(韩国时间)在facebook上发布了相关文章,称"公司网站"。

Nice Hash是支持Betcoin采矿者与可进行计算容量的人之间的连接的企业,定期向计算容量提供者提供Betcoin。


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会员信息泄露,服务器瘫痪事例


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今年6月,韩国国内最大的交易所Bisom还泄露了3.6万多名会员信息。

虽然不是黑客攻击,但是上个月12日虚拟货币价格反复暴涨暴跌时,Bisom的服务器瘫痪,无法应对暴涨暴跌而蒙受损失的投资者们正准备起诉Bisome。

11月暴涨的BetcoinCash随着Bisom服务器的瘫痪,285万韩元的价格降到了130万韩元。

 

 

 

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虚拟货币交易时要注意的一点


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1. 安全问题

交易所的保安应该彻底,但是个人投资者也应该随时变更密码管理。

使用多数交易所时使用其他密码可能会引发安全问题。 因为如果一个地方被黑客攻击,另一个地方也有可能被黑客攻击。

 

2. 加强OTP保安

最好再做一次OTP保安。

 


3. 防止交易手段的病毒渗透

必须随时更新虚拟货币交易手段电脑或手机,以确保恶性代码及病毒安全。

 

虚拟货币的保安问题是不言而喻的。

虚拟货币市场是一个没有盖子和底子的市场,每天上下浮动着百分之几。 考虑到在24小时可以经常进行交易的便利性背后,保安的问题也总是存在的,因此需要提醒投资者个人注意。

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Unlike stocks, bitcoin transactions do not have a cap or a lower limit, but they can be traded for 24 hours without opening or closing time, so I think we can understand the increase and decrease of the current coin price compared to the previous day.)

 


Considering the rate of increase and decrease in bitcoin prices in stock market analysis, it seems that money is flowing.

Some even say that Korea's bitcoin craze is bubble phenomenon, speculation, not investment, and gambling, but one reality that is coming to us at this point is undeniable.

 

 

So let's take a look at the origins of virtual money.

 

 

 

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The origin, distribution, and the listing of the U.S. futures market...

 

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It's not clear who made the bitcoin.


A user named Satoshi Nagamoto was active on bitcointalk.org and a computer student named Marti Malmi of Finland was the domain owner of bitcoin.org, a site that officially distributes Bitcoin.

(This is the book 'Learn New Bitcoin Easy').

The use of the units called Satoshi suggests that they are more likely to be electrons.

 

Anyway, if you look at the context of the age when virtual money came into being,

In the midst of the 2008 financial crisis, the collapse of the subprime mortgage system pushed existing monetary systems to their limits, and the government and the central bank chose quantitative easing, but the falling value of money led to a greater crisis and led to the emergence of virtual money in those concerns.

 


In the early days of Bitcoin, offline stores also increased rapidly with the possibility of encoding money, but the price of bitcoin increased rapidly, making transmission fees unsuitable for small transactions and not active due to lack of access to real life, transmission time, etc.

 

However, the advantage of cheap fees for international remittance and the fact that it is available in areas where financial networks are not developed, the strength of large amounts of money used for international transmission or storage is expected to continue to increase.

 


Bitcoin prices have been soaring and plummeting due to various issues in Russia, China and other countries, but blockchain technology has been under re-lighting and has been rising in earnest since 2016.


In September 2017, it soared to $4,970 and now that it's officially traded like gold in the U.S. futures market, we'll have to see how much of the price we're at this point.

 

 


Less than a decade after Bitcoin's birth, the world's attention seems to be on its way to the heart of the global financial market.

The Chicago Board of Options (CBOE) in the U.S. will begin trading its first futures contract on December 10 with Bitcoin as its underlying asset. The Chicago Board of Trade (CME) plans to list bitcoin gifts on the 18th. You're officially debuting in the U.S. futures market. That's why Bitcoin prices have been rising recently.

 


When listed on the Chicago Mercantile Exchange, it takes systemic stability, such as the introduction of a device that temporarily suspends futures trading with a range of price limits during the day to buffer sudden fluctuations in prices, the transaction is suspended for two minutes when the market price reaches 7% and 13% compared to the previous day's closing price, and orders with a rate of more than 20%.

 


In the United States, futures investment in cryptography became possible, but in Korea it is temporarily prohibited.

All right. Yesterday, an official at the Financial Services Commission said, "The capital market law ruled that bitcoin does not apply to basic assets, so domestic financial institutions were not allowed to open derivatives."

However, as you know, many people say that it remains to be seen how much impact it will have on the domestic capital market since encryption money is a global exchange method.

 


Next time, we will learn how to trade virtual currency, how to deal with it, how to pay attention to it, and how to invest. Thank you very much.

 

Betcoin交易与股票不同,没有涨停板,跌停板,但开盘/停牌时间不长,交易时间24小时,因此可以理解为与前一日相比,现点Coin价格的增减率。)

 


分析股市时,也考虑到了比特币价格的增减率,看来钱的流向是真的吗?

有人对韩国的"维特克人"狂风说:"这是泡沫现象,不是投资,而是投机,是赌博。"

 

 

好,下面我们从虚拟货币的由来开始一一了解。

 

 

 

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从虚拟货币的由来,推广到美国期货市场上市......

 

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据说,还没有确切查明是谁制造了比特币。


一个名叫佐藤长本的用户在 bitcointalk.org上活动,一个学习计算机的学生,因为是正式发布Vitcoin的网站 bitcoin.org的域名所有者而产生的议论......

(这是《易学新变的维特克人》一书的内容),

从使用佐藤市这一单位来看,电子的概率很高。

 

总之,从虚拟货币出现的时代背景来看,

在2008年金融危机中,由于次级抵押贷款的崩溃,现有的货币系统已经达到了极限,政府和中央银行虽然选择了量化宽松政策,但由于货币价值下降,出现了更大的危机,在这种担忧中出现了虚拟货币。

 


比特币初创期,对加密货币的可能性,线下加盟店也迅速增加,但由于比特币价格上涨,传输手续费不适合小额交易,而且由于实际生活接触性不足,传输时间等原因,无法激活。

 

但是,由于国际间汇款时手续费便宜的优点和可以在金融网络不发达地区使用的优点,可以作为大金额的国际传送或储存用邮资的优势将会持续增加。

 


比特币的价格因俄罗斯,中国等多个国家的各种问题暴涨,暴跌,积木技术开始重新受到关注,从2016年开始正式上涨。


2017年9月曾升至4970美元,据说在美国期货市场上像黄金一样正式交易,现在看来,时间点在价格的多少位置还有待观察。

 

 


"在比特币诞生不到10年的时间里,作为世界金融市场的心脏,似乎受到了全世界的关注。

美国芝加哥期权交易所(CBOE)将于12月10日开始以Betcoin为基础资产的首次期货合约交易。 芝加哥商品交易所(CME)计划18日上市。 即将正式进军美国期货交易市场。 在这样的背景之下,最近好像正在发生维特科因价格上涨的现象。

 


在芝加哥商品交易所上市时,为了缓冲价格剧变,引入了在盘中暂时中断价格限制幅度的期货交易的装置,与前一天收盘价相比,市价如果达到上下7%和13%,交易将中断2分钟。

 


在美国可以对暗号货币进行期货投资,但在韩国暂时禁止

昨天,金融委员会相关人士表示:"根据资本市场法,betcoin不属于基础资产,因此不允许国内金融机构进行衍生商品中介。"

但是,很多人认为,正如您所知,密码货币是全球流通的交换手段,因此对国内资本市场产生多大影响还有待观察。

 


接下来我们将一起学习虚拟货币的交易方法,交易时的注意事项,投资标准等。 谢谢。

 

 

 

 

 

 

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In the midst of a whirlwind of economic changes this year, including economic progress and housing market regulation...

As a person who lives in the same generation with a lot of talk and a lot of issues, I decided to take a bitcoin-related concept one by one because I thought I'd have to go through it.

 

 

 

 

Although there are various blogs and Internet information regarding Bitcoin, I decided to explore the books that are relevant because I need to understand the basic concepts first.

First, when I looked around the bookstore, there were many different books, such as virtual currency, encryption money, block chain, etc.

Among them, I chose a book recently written by Bitcoin community operators called 'Learn New Bitcoin Easy.'

It is a simple chapter that is described by subject, and it is a great introduction to the basic concepts and processes of various types of virtual money.

In addition, there are many blogs about virtual money, so it won't be difficult to get information if you sell a little bit of your hand

 


So, let's start studying now.

 


What is Bitcoin, virtualization money?

 


Turns out, Bitcoin is the blacksmith of virtual currency.

Virtual currencies are also perceived by the word 'virtual'.

The exact name is Crypto curacy.

That is, a means to create new coins or to make transactions secure using a password.

There are a lot of different types of encryption. Based on the total amount of encryption money currently traded in Korea, Bitcoin, 2nd place and Iderium are ranked first. So when people think of virtual currency, they think of bitcoin.

 

 

 

 

 


Types of Virtual Money

 

 

There are thousands of different types of virtual money all over the world. This is because mining methods and uses vary by type, depending on the purpose of the transaction, and therefore there is a variety of virtual currencies.

 

 

Let's take a look at the types of virtual currencies that are listed in Korea.

 

The table above is scraped from the Bithumb site.

In short, there are different types of bitcoins that can be traded on every exchange of virtual money.

In other words, bitcoin and iderium are all treated by most virtual money exchanges, but Monero and Dash need to go to 'Bithumb' and NEO need to go to 'Coin Nest' to buy/sell.

 


Virtual currency exchange refers to an exchange where virtual currency can be traded, and we will discuss it in more detail later.

 


Let's take a quick look at the concept of typical virtual money.

(This is a scrap from the Bithumb site, and there is more and more professional information available on the official site for each virtual currency, so please refer to it if you need it.)

 

 

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Bitcoin units: BTC
Bitcoin is the first encryption currency developed by Satoshi Nakamoto.
The maximum number of issues is 21 million and as of May 2017, 16.15 million were issued.
The average/final confirmation time is 10 minutes/60 minutes, which enables fast and safe transactions among individuals without financial institutions.

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Etherium (ETHEREUM) units: ETH
Iderium is an encryption currency introduced by Vitalic Buterin, a Russian Canadian, on July 30, 2015.The maximum amount issued with mining-type coins based on blockchain technology is unlimited. As of April 2017, the amount issued is 90.95 million.

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Dash (DASH)
The dash is an encrypted currency developed in January 2014 and is a platform.It was also called Xcoin and DarkCoin, but was finally named 'Dash' in March 2015. The maximum number of issues is 22.5 million and the confirmation time is 2.5 minutes on average.

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Light Coin (LTC)
Lightcoin is a virtual currency developed by Charles Lee, a former Google employee, on October 7, 2011.The technical aspects of light coins are almost identical to bitcoins.However, it was developed with the goal of becoming a better virtual currency by compensating for the shortcomings of bitcoin.

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There are also many other types of virtual currencies, including bitcoin cache (BCH), bitcoin gold, and ETC (Eitherium Classic) created by hardfork of Iderium.

The detailed concepts, technical descriptions, and characteristics of each virtual currency are listed in detail on the virtual currency exchange or on the official site of each virtual currency, so you can find them if you need them.
We learned about basic concepts such as concept and type of virtual money. Thank you very much

 

今年一年,在经济刺激,住房市场调控等诸多经济变化的漩涡中......

话很多,问题也多对虚拟货币的时代,同以人为他过去的想法,相关概念,电子货币的一个抓看来,吃了。

 

 

 

 

关于beat coin,虽然有很多博客和网络信息,但由于要熟悉基本概念,所以决定阅读相关书籍。

首先逛书店,发现里面有很多虚拟货币,暗号货币,模块链等多种书籍。

从中选出了Beatcoin社区运营者最近写的书《新变化的Beatcoin轻松学习》。

该书按主题进行叙述,结构简约,是一本可以学习多种虚拟货币的基本概念和程序的概论书。

此外,还有很多以虚拟货币为主题的博客,只要稍微尝试一下,获取信息应该不难。

 


好,那就从现在开始学习吧。

 


比特币,什么是虚拟货币?

 


原来,beat coin是"虚拟货币"的代名词,代表项目。

虚拟货币也因为"虚拟"这个词而有不明确的认识,

正确的名称是"暗号货币(Crypto currency)"。

即指使用密码生成新的硬币或确保交易安全的手段。

这种暗号货币种类很多。 以韩国现在交易的暗号货币价格之和总额为基准,第一位是比特币,第二位是伊德林。 所以人们一提到虚拟货币,即加密货币,就会想起比特币。

 

 

 

 

 


虚拟货币种类

 

 

据说全世界有数千种虚拟货币。 这是不同种类的采掘方式,用途不同的特性,即根据交易的目的不同,方式也会有所不同,因此虚拟货币的种类只能多种多样。

 

 

那么,我们来看一下在韩国上市的虚拟货币种类。

 

上面的表格是从Buisom Sat中剪下来的。

补充说明,每个虚拟货币的交易所都可以交易的比特币种类不同。

也就是说,虚拟货币中的比特币或易买得币在大多数虚拟货币交易所都有涉及,但莫内罗,大市等是"比特币"交易所,NEO是"可买可卖"的虚拟货币。

 


虚拟货币交易所是指可以进行虚拟货币交易的交易所,对此以后将详细讨论。

 


下面我们简单介绍一下具有代表性的虚拟货币的概念。

(本内容为Buisom Sats 剪贴,登录各相关虚拟货币的官方网站后会发现更多,更专业的信息,需要者请参考)

 

 

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Bitcoin单位: BTC
比特币是"中本聪(化名)"开发的最早的暗号货币。
最大发行量为2100万个,以2017年5月为准,发行了1615万个。
平均/最终按压时间为10分钟/60分钟,与现有货币不同,无需金融机构,可快速,安全地交易给个体。

--------------------------------------------------------------------------------

Etherium (ETHEREUM) 单位: ETH
Iduleum是俄罗斯裔加拿大人Bitalic Butterine于2015年7月30日引进的密码货币。基于积木链技术的采掘型硬币,最大发行量无限制,以2017年4月为准,发行量为9,095万个。

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DASH
大市是2014年1月开发的加密货币和平台。也被称为Xcoin和DarkCoin,但2015年3月最终被命名为"大市"。 最大发行量为2250万个,按压时间平均需要2.5分钟左右。

--------------------------------------------------------------------------------

浅硬币 (LTC)
"Light Coin"是2011年10月7日由前谷歌职员查尔斯•李(Charles Lee)开发的虚拟货币。浅色系的技术层面几乎与非特质相似。但是,我们的目标是弥补比特币的缺点,成为更好的虚拟货币。

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除此之外,还有从Bitcoin中分离出来的(链分离:硬盘)BCH,Bitcoin Gold,Edolium的硬包装(Hard)等。

对各虚拟货币的详细概念,技术说明,特性在虚拟货币交易所或虚拟货币的官方网站上都有详细记载,如有需要,请查阅即可。
以上是关于虚拟货币的概念,种类等基本概念。 谢谢。

 

 

 

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1. 어드레스 할때 왼쪽 어깨와 공과 목표점 에이밍을 삼각형으로 만듭니다.

 

2. 왼쪽어깨를 올리고 양 어깨의 각도는 어깨의 수평선 기준으로 25도 정도로 오른쩍 어깨를 낮춥니다.

 

3. 왼발과 왼쪽귀 볼을 일직선으로 하고 오른쪽 발에 무게중심을 둡니다.


4. 그립은 양손을 쥐어짜듯 잡되 오른손의 갈고리를 임팩트시 눌러주는 느낌으로 칩니다.

 

5. 테이크백은 왼쩍 어깨를 축으로 쭉 당깁니다.

 

6. 임팩트지점까지 자세를 낮추면서 임팩트 지점 아래에서 위를 향하듯 전방으로 스윙을 합니다.


7. 임팩트 시점에 어드레스 자세의 스윙폼이 되도록 만들어주는 것이 중요합니다.

 

8. 임팩트 후 오른팔에 힘을 주어 에이밍방향으로 밀어쓰러 올리듯 클럽을 날리는 느낌으로 칩니다.

 

1. Triangle the left shoulder and ball and target point Aming when addressing.

 


2. Raise your left shoulder and lower your shoulders by 25 degrees to the horizontal line of your shoulders.

 


3. Keep your left foot and left ear ball in a straight line and focus on your right foot.


4. The grip squeezes both hands together, but presses the hook of the right hand with impact.

 


5. The takeback pulls your left shoulder all the way to the axis.

 


6. Lower your position to the impact point and swing forward as if you are facing upwards below the impact point.


7. It is important to make the swing form an address position at the point of


8. After impact, apply force to your right arm to make it feel like you're flying the club like you're pushing it towards the Aming direction.

 

 

穿晚礼服时,将左肩,球和目标点的Amming做成三角形。

 


2,抬起左肩,两肩的角度按肩头水平线标准,25度左右,右肩略低。

 


3.左脚和左耳两颊呈直线,重心放在右脚上。


4. 握钩时双手紧握,将右手的钩子用力按压。

 


将左肩以轴拉直。

 


6. 将姿势放低至冲击点,从冲击点下方向前方挥棒。


7. 在冲击时让A-DRESS姿势成为挥杆姿势很重要。

 


8. 冲击后右臂用力,像往Amming方向推一样,感觉球杆飞起来。

 

 

 

 

 

 

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This is a summary of the book, 'Making Money with Google Adsense'.

For more information, please purchase the book, 'Making Money with Google Adsense', and read it yourself.

 

 


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Profit Structure of Blogs and Google Adsense


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The Google AdSense system is designed to generate revenue when people who are interested in advertising click on an ad.

 


Google AdSense is designed to distribute advertising codes to bloggers so that they can post ads on their own posts and share the profits from advertising.

 


Advertisers bid for ads on Google search portals through a system called Google AdWords, and bloggers get advertising codes through Google AdSense systems.

 


Bloggers post Google AdSense ads as they post on their blogs and blog visitors click on the ads to earn their advertising revenue.

 

Advertisers bid for the final bid, which is the price per click on the ad, the unit of advertising revenue for bloggers.

 

 


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To open a foreign currency account to receive the proceeds


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If Google AdSense advertising revenue exceeds $100 a month, Google will send the profits it has accumulated to bloggers.

It's advantageous to find a bank that doesn't charge money transfer fees when it comes to dollars.

 


Here's the final preparation step for setting up a revenue account at Google Adsense.

 


1. Receive PIN number

By default, Google AdSense advertising revenue must exceed the monthly total of $100.

But in order to find this profit, we need to get a 'PIN' number from Google AdSense.

If your ad revenue exceeds $100 in total, you will receive a PIN number to collect revenue from Google.

 


2. Register your PIN number on the Google Ad-Sense

PIN number sent by mail must be registered on Google Adsense site First select 'Settings' from the category on the left side of the Google Adsense site, and then click 'Account Information' of the subcategories.

Click 'Authorize Address' when the Account Information Settings screen appears.

 


Enter your PIN number and click 'Submit PIN' to complete PIN number authentication for revenue.

However, the PIN number entry procedure may vary depending on future ad-sense policy changes. In this case, you can enter the PIN number according to the revised procedure in the mail sent by Google.

 


3. Register your bank account

Register your bank account.

 


4. Register account of deposit and withdrawal

You should register your foreign currency account with Adsense, where the proceeds from Google will be

Again, in the left-hand category of the Google Adsense site, pay >payment settings

You can register your account by selecting and clicking + Add a new payment method.

 

 


5. For your information, you can choose to receive advertising revenue from Google by bank transfer or check.
To select a bank remittance, select 'Add new bank remittance details' and enter the same English name in the depositor's section and the bank name in the bank name that opened the account.

 


For example, for SC First Bank, STANDARD CHARTERED FIRST

Enter BANK KOREA LIMITED.

SWIFT Bank identification code indicates SCBLKRSE based on SC First Bank. The bank identification code is a specific symbol that identifies each bank in Google Adsense. If you opened a non-SC bank account, you can search for the SWIFT bank identification code and enter it.

 


Finally, in the Account number box, enter your account number (except hyphen).
If you choose 'Receive checks' instead of the bank remittance method, you do not need to register your account. In this case, when advertising revenue is generated, checks will be mailed from Google. If you take your ID and bankbook with you, go to a nearby bank and fill out and submit an application for exchange of foreign currency checks, you can get a cash exchange.

 


Finding the won/dollar exchange rate when it is as high as possible (when the dollar rises) is a little more advantageous.

 


We've looked at the revenue structure of Google Adsense and learned how to open a foreign currency account.

Thank you very much.

 

 

本内容是阅读并概括了《用谷歌ad sense赚钱》一书的内容。

欲了解更多详情者请直接购买并阅读《Google AdSense赚钱》一书。

 

 


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博客和谷歌AdSense的收益结构


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Google AdSense系统是关注广告的人点击广告时创造收益的系统。

 


谷歌AdSense是将广告代码分发给博客用户,让他们在自己的Fosting上刊登广告,并分享广告带来的收益。

 


广告商通过谷歌Adworks系统向谷歌搜索门户网站招标广告,而博客用户则通过谷歌AdSense系统获取广告代码。

 


博客们在自己的博客上发表文章,刊登谷歌AdSense广告,博客访问者点击广告获得广告收益。

 

广告商招标确定最终中标价格,这相当于广告点击价格,博主获得的广告收益单价。

 

 


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为获得收益开设外币存款存折


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"如果谷歌AdSense广告收入每月总额超过100美元,谷歌将把此前积累的收入汇给博主。"

汇入美元,有利于您找到不收汇款手续费的银行。

 


在这里,作为最后的准备阶段,我们来了解一下谷歌AdSense设置收益账户的方法。

 


1. 领取PIN编号

Google AdSense的广告收益基本上要超过每月总累计金额100美元才能拿到。

但是,为了寻找这笔收益金,必须从谷歌AdSense获得"PIN"号码。

AdSense广告收益累计金额超过100美元时,将从谷歌寄出用于领取收益的PIN编号。

 


2. 谷歌AdSense网站注册PIN号码

邮寄的PIN码需登录谷歌AdSense网站 首先在谷歌AdSense网站左侧的类别中选择"设定"后点击下端类别中的"账户信息"。

账号信息设置画面出现后点击"地址认证"。

 


输入谷歌赋予的PIN编号,点击"PIN提交",即可完成收益领取的PIN编号认证。

但是,今后随着AdSense政策的变更,输入PIN号码的程序可能会有所不同,这种情况下,根据谷歌寄来的邮件中介绍的修改程序输入PIN号码即可。

 


3. 账户登记

登记本人的账户。

 


4.存取款账户登记

谷歌寄过来的收入会汇入的各位的外币存取款账户要在AdSense上登记。

再次从谷歌AdSense网站左侧类别支付>支付设定

选择+点击新结算方式追加,即可登记账户。

 

 


5. 作为参考,从谷歌获得广告收益的支付手段可选择以银行汇款或支票方式收取。
首先,选择银行汇款的方法是选择"新增银行汇款详细信息",然后在储户栏中输入与存折上填写的相同英文名称,银行名称中输入开户银行名称即可。

 


例如SC第一银行,STANDARD CHARTERED FIRST

输入BANK KOREA LIMITED。

在SWIFT银行识别代码中,以SC第一银行为基准填写SCBLKRSE。 银行识别代码是指在谷歌AdSense上识别各银行的特定记号,如果开设不是SC银行的其他银行账户,可搜索并输入SWIFT银行识别代码。

 


最后在账号栏里输入存折账号(Highfit除外)。
如果您选择的不是银行汇款方式,而是"凭支票收钱",那么您就无需进行账户登记了。 这种情况下,一旦发生广告收益,支票就会从谷歌邮寄过来。 持身份证和存折到附近的银行填写外币支票兑换申请书后提交,即可兑换成现金。

 


尽可能在韩元/美元的汇率高的时候(美元升值的时候)购买,稍微有利一些。

 


以上是对谷歌AdSense的收益结构进行考察,了解了开设外币存取款存折的方法。

谢谢。

 

 

 

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초예측(웅진 지식하우스)을 읽고 공감이 갈만한 내용만 발췌 정리함.

  1. 인류는 어떤 운명을 맞이할 것인가?

향후 미래를 결정 짓는 요인으로 주목한 것은 인공지능과 격차였다

4차 산업혁명은 인공지능이 이끌 것이다. 의료, 주거, 교육, 일의 형태와 성격아 중요.

세계화가 심화됨에 따라 격차와 분극화(polarization)의 발생에 인류는 피로감이 고조되고 있는 한편, 인공지능이 이끄는 혁명이 발흥하기 시작했음.

 

@@@ 사피엔스의 저자 유발 하라리 : 인공지능이 더 발전 하면 대다수 인간이 정치저그 경제적 가치를 잃은 무용계급(useless class)으로 전락할 것이라고 내다봄.

 

유발하라리(76년생)은 에루살렘 히브리 대학교 역사학부 교수로 재직 중임. 2011년에 이스라엘에서 출간한 '사피엔스'라는 저서에서

'인류는 어떤 운명을 맞이할 것인가?'를 설파함.

 

유발하라리의 의견은 아래와 같음.

인간의 행복은 물질적인 것이 아니라 기대치에 좌우된다고 본다. 기대가 충족되면 행복하다 느끼고, 기대에 못 미치면 불행하다 여깁니다. 형편이 좋아지면 기대치도 높아집니다. 인간은 성취감이나 즐거움을 경험하면 만족하는 것이 아니라 더욱 누리고 싶어 한다고 함. 개인은 물론이고 집단에서도 더 누리고 싶다는 마음이 있는 한, 만족하는 일은 없게됨.

 

민주주의는 20세기에 가장 성공한 정치구조입니다. 민주주의의 확산은 인류에게 막대한 이익을 안겨주었습니다. 21세기에 접어든 후 민주주의는 난제들을 제대로 처리하지 못하고 있음. 과학기술의 발전에 의해 경제나 사회의 변화 속도가 엄청나게 빨라지다 보니, 지금 세계에서 무슨 일이 일어나고 있는지 파악하기 위해 수집하고 분석해야 하는 정보량이 기하급수로 늘어나고 있음. 예측을 할 수 없으니 미래에 추구할 목표나 가치를 결정할 수도 계획을 세울 수도 없음.

 

미래의 직업이나, 생명 연장 등 예측이 어려움. 그래서 현행의 연금이나 보험은 비현실적인 가정하에 기초하고 있다고 보아도 됨. 정치도 진보든 보수든 민주주의든 권위주의든 미래 모습을 설득력 있게 제시하지 못하고 있으며 정치가와 유권자는 세상의 변화에서 소외되고 과학기술만 극적인 발전을 거듭해 우리의 일상을 지배하고 있습니다.

 

과학기술이 사회를 바꾸는 것은 사실이나 사회를 어떤 방향으로 이끌기는 하지만, 결정하는 것은 아님.

 

향후 수십 년 안에 인류는 세가지 커다란 위기, 바로 핵전쟁, 지구온난화, 과학기술에 의한 실존적 위기에 직면할 것임.

이러한 문제를 세계 강국이 독자적으로 해결할 수 없고 국가간 협력이 필요함. 그러나 브렉시트, 도널드 트럼프 미국 대통령, 포퓰리즘의 부상 등 민족주의는 국제적 차원에서 협력할 기회와 능력을 저해해 위험.

 

기독교는 여명기에는 수많은 종교 중 하나에 불과 했으나, 오늘날 세계에 가장 널리 퍼진 종료로서 의미를 갖는데, 이는 확산과정에서 무력이 기여한 바를 인정. 기독교는 4세기에 로마제국의 국교가 됨으로써 제국의 정치적 지지와 군사 지원을 얻었고, 평화적 포교와 무력을 번갈아 사용하며 신자를 늘려 갔음.

 

제국주의자들은 원주민을 억압하고 착취했으며, 그들이 기독교를 강제로 수용하게 했죠.

 

2장 현대 문명은 지속할 수 있는가

 

', , '의 저자, 문화인류학자이자 진화생물학자 제레드 다이아몬드 : 1937년 미국 보스턴 태생, 하버드 대학교에서 생물학, 캠브리지 대학에서 생리학 전공 캘리포니아 대학교 로스앤젤레스 캠퍼스(UCLA)에서 의대 생리학 교수 거쳐 지리학과 교수로 재직 중.

 

저출산 고령화 현상?

일본의 저출산 현상이 아직 인적자원이 충분히 활용되지 않음을 지적하며 그 부분을 개선한다면 저출산 현상을 새삼 비관적으로 볼 필요가 없다고 말함.

자원에 대한 수요 측면에서 저츌산은 오히려 새로운 경쟁력이 될지도 모른다는 점을 주장.

 

창의성이 다양성에서 비롯된다 봄.

 

격차의 문제... 세가지 위험에서 격차가 생김.

신종 전염병의 확대, 테러리즘의 만연, 타국으로의 이주 가속화가 큰 문제를 야기할 것이라고 예측. 이러한 문제는 세계적 재앙을 피하기 위해 선진국들이 나서서 해결해야 할 전략 과제인 것임.

 

여러 형태의 전통 사회에서 자녀 양육 방식부터 노인이 사회적 처우 등에 대한 교훈을 얻을 수 있다.

 

인류가 자원을 지나치게 빨리, 대량으로 소비하는 바람에 자원을 만들어 내야 할 지구가 맥을 못 추고, 자원부족으로 인류 문명이 붕괴할 수도 있다고 봄. 자원을 둘러싼 경쟁이 전쟁을 일으켜 붕괴로 이어질 수 있음.

미래의 큰 위기 중 하나는 자원 부족이 될 것이므로, 인구 감소는 문제가 아닌 환영할 일이라고 봄.

 

일본의 고령화는 역사상 특이한 경우임. 경영이나 관리경험이 필요한 자리나 설득력 있게 조언하는 자리에는 젊은 사람보다 고령자가 더 유용할지도 모릅니다. 젊은이들은 성공의 야심에 눈이 멀어 자칫 일을 그르칠 가능성이 있지만, 노인들은 개인적 욕심을 부릴 여지가 적음.

 

미국은 과거 정년퇴직제도가 있었지만, 1986년부터 고용상 연령차별금지법의 적용대상을 40세 이상으로 하고 상한연령을 폐지하여 정년이 없음. 일본은 고령자 비율이 가장 높은 나라이지만, 시대착오적인 정년제로 관리자나, 고문, 감독 등 고령자의 능력을 살릴 수 있는 경우가 적음.

 

미국의 노인들이 친구나 자녀와 떨어져서 고독하게 최후를 맞는 현실에 비하면 뉴기니와 같은 전통사회는 가족, 친지, 모두가 평생 함께 사는 전통사회이므로 이곳의 노인들이 훨씬 만족스러운 삶을 영위하는지도 모름.

 

15~19세기에 중국이 유럽에 밀린 이유가 통일의 약점이 드러났기 때문이라고 말한 적이 있음. 중국은 거대한 통일국가였고, 황제는 단 한명이었기 때문에 대외진출에 소극적인 왕이 즉위하면 대외 진출이 소극적일 수 밖에 없으나, 유럽 대륙에는 대외 진출에 거액을 투자한 다양한 왕국, 이태리, 프랑스, 포르투갈을 돌아 스페인 왕으로 부터 지원을 받은 콜럼버스가 신대륙 발견. 다양성은 위험을 분산시킬 하나의 해결책이다.

 

미국의 경우에도 50개 주가 전권의 행하면서 정책의 50가지 실험장이라 해도 무방할 정도로 정치적 다양성에 의한 실험이 다른 주의 본보기로 작용할 수 있음.

 

미국은 국민을 두 부류로 나누어 생각함. 에너지가 넘치고 위험을 감수하고자 하는 사람들, 다른 하나는 야심 없는 기존과정 고수하려는 사람들. 이민은 위험을 택할 용기가 있는 사람들이 하고, 미국은 이민자들을 받아들인 덕분에 가장 야심만만한 국민을 얻은 셈임.

 

이민이야말로 미국이라는 나라에 활력을 불어 넣는 원동력임. 문화적 단일성은 사회 내 갈등을 줄여주는 대신 창의와 혁신을 뒤쳐지게 하는 단점도 있다.

 

국가간 격차의 세가지 문제..

 

신종 감염병의 확산 문제.

60~70년대 아프라카에서 발생한 애볼라 출혈열, 80년대 에이즈 바이러스 등 신종 감염병은 오늘날 세계화로 국경을 넘어 부유한 나라로 퍼져나갈 수 있음.

 

두번째는 테러리즘임. 국가간 격차가 커지면 빈곤국민은 선진국의 여유로운 삶에 분개하게 됨. 빈곤국은 테러범들이 지지 기반을 얻은 후 부유한 나라를 공격하는 식으로 움직이기 쉬움.

 

세번째는 타국으로의 이주가 가속된다는 점임. 빈곤국정부가 생활수준을 높이려고 정책을 세우고 제도를 개선해도 그 성과를 확인하려고 국민이 50년이나 기다려야 할 사람은 없다. 사람들은 지금 바로 이 시점에서 높은 생활수준을 누리고 싶어함. 그 유일한 해결책은 풍요로운 곳으로의 이주임.

 

이중언어 사용이 알츠하이머병을 예방한다. 뇌를 끊임 없이 사용하기 떄문임. 캐나다에서 실시된 연구에서 이중언어 사용자는 알츠하이머병이 5년 정도 지연된다.

 

뉴기니의 전통사회는 수십 명에서 수백 명에 불과한 소규모 집단이니까 서로 모르는 사람이 없음. 한집 건너 아는 얼굴이기 때문에 가족이 아닌 사람도 책임을 공유하는 것임. 역으로 적용하면, 뉴기니에서 모르는 사람은 위험 인물로 간주됨. 정글에서 낯선 사람과 마주쳤을 때 뉴기니 원주민들은 우선 상대가 누구인지 판단하기 위해 2~3시간 대화를 나누고 공통의 친척이 언급되면 타인이 아니므로 경계심을 푼다.

 

뉴기니에서는 의료시설이 발달되지 않았기 때문에 다리를 다치면 죽을 때 까지 다리를 절면서 살아야 하므로, 모든 행동이 지나치게 조심스럽고 신중하게 대처함. 이를 건설적인 편집증이라고 함. constructive paranoia

 

세계 경제가 급속도로 통합 되어 서로 연결되어 있다 보니, 전 세계적 붕괴가 발생할 가능성이 제기되고 있음.

 

국가간 격차 확대는 앞으로 여러 문제들이 발생할 것이라 예측한다. 신종 전염병의 확산, 테러리즘의 만연, 타국으로의 이주 가속화를 지적 하며 피해를 경감하기 위해서는 선진국들이 적극 나서야 한다고 조언 한다.

전 세계적 붕괴가 발생할 가능성이 제기

 

3장 인공지능을 어떻게 통제할 것인가

 

'슈퍼인텔리전스'의 저자 닉 보스트롬 : 1973년 스웨덴 출생. 옥스퍼드대 철학과 교수이자 인류 미래 연구소 소장

슈퍼인텔리전스 즉, 초지능이란 인간의 일반 지능을 능가하는 인공지능을 말함.

최근 수년간 딥러닝(심층학습)이 발달하면서 인공지능발달 속도가 상당히 빨라짐.

 

자율 주행의 경우 돌발상황등 여러변수를 자율주행시스템에 종합적으로 고려해 도로 위에서 계속 선택과 결정을 반복하게 함. 특정 영역에 특화된 약한 인공지능과 인간이 하는 모든 일과 지적 과제를 수행하는 강한 인공지능(범용 인공지능)의 두 종류로 나뉨

 

만일 범용 인공지능이 개발되고 그것을 완벽하게 통제할 수 있다면 모든 인간이 혜택을 누릴 것임.

인공지능의 윤리적 정합성 즉 인류의 보편적 가치, 윤리에 부합하게 인공지능을 만드는 방법으로 인공지능이 특정 국가나 기업의 이익을 위해서만이 아니라 전 류==인류에게 혜택을 주기 위한 제도와 구조가 필요함.

 

유전자 변형에 의한 인간 능력 증강은 체외수정을 통해 우월 유전자를 가진 수정란을 선택하는 방법으로도 일어나고 있다. 인간이 인공지능에 대항하려고 스스로 지적 능력을 향상시키면 오히려 인공지능에게 추월 당하는 속도가 빨라진다는 딜레마가 있음.

 

Chapter 1 What kind of fate will mankind face?
It was the gap between artificial intelligence and the future that made the decision.
The fourth industrial revolution will be led by artificial intelligence. important in the form and character of health care, housing, education, and work.
As globalization intensifies, human beings are getting tired of the gap and polarization, while the artificial intelligence-led revolution is beginning to emerge.

@@@ Sapiens author Harari: "As artificial intelligence develops further, the majority of humans will be reduced to a dance class that has lost political and political value."

Juginhari, 76, is a professor of history at Hebrew University in Jerusalem. In a book called "Sapiens," published in Israel in 2011.
preach what fate will mankind face?

Induced Harari's opinion is as follows.
I believe that human happiness is not material, but depends on expectations. I feel happy when my expectations are met, and I feel unhappy if they fall short of my expectations. When things get better, expectations go up. Human beings want to enjoy more, not more, when they experience fulfillment or pleasure. As long as you want to enjoy more in groups as well as in individuals, you will never be satisfied.

Democracy is the most successful political structure in the 20th century. The spread of democracy has brought enormous benefits to mankind. Since entering the 21st century, democracy has not handled the challenges properly. With the rapid pace of economic and social change due to the development of science and technology, the amount of information that needs to be collected and analyzed to understand what is happening in the world is increasing exponentially. Unable to determine the goals or values to pursue in the future, nor to make plans.

Difficult to predict, such as future jobs or life extension. So the current pension or insurance is based on unrealistic assumptions. Politics, whether it's progressives, conservatives, democracy or authoritarianism, does not present a convincing picture of the future, and politicians and voters are marginalized from the changes in the world, and only science and technology continue to dominate our daily lives.

It is true that science and technology change society, but it does not decide in any way.

In the next few decades, mankind will face three major crises: nuclear war, global warming, and an existential crisis caused by technology.
These problems cannot be solved independently by the world's powers and require inter-country cooperation. But nationalism, such as Brexit, U.S. President Donald Trump and the rise of populism, is at risk because it undermines the opportunity and ability to cooperate on an international level.

Christianity was only one of many religions during the dawn of life, but it is meaningful as the most widespread end of the world today, recognizing the contribution of force to the spread of the world. Christianity gained political support and military support from the Empire by becoming the diplomatic relations of the Roman Empire in the 4th century, and increased the number of believers by alternately using peaceful artillery and force.

The imperialists oppressed and exploited the natives, forcing them to accept Christianity.

Chapter 2 Can Modern Civilization Continue?

Zared Diamond, author of "Total, Germ and Steel," cultural anthropologist and evolutionary biologist Jared Diamond: Born in Boston, U.S. in 1937 at Harvard University, Biology at Cambridge University, where he was a physiology professor at the University of California Los Angeles (UCLA) and a geography professor.

Low birth rate and aging population?
Pointing out that Japan's low birth rate is not fully utilized yet, he said, "If we improve that, we need not be pessimistic about the low birth rate."
In terms of demand for resources, they argue that low mountains may become a new competitive power.

Creativity comes from diversity.

the question of divergence... Difference in three risks.
The expansion of new infectious diseases, the prevalence of terrorism and the acceleration of migration to other countries will cause major problems." These problems are strategic tasks that developed countries must come forward to address in order to avoid a global

In many forms of traditional society, lessons can be learned from how children are raised to how the elderly are treated.

As humans consume resources too quickly and in large quantities, the earth that needs to create them is hopeless, and the human civilization may collapse due to lack of resources. Competition over resources can lead to war and collapse.
One of the great crises of the future will be resource shortages, so the decline in population is welcome, not a problem.

Japan's aging population is an unusual case in history. Elderly people may be more useful than young people for positions that require management or management experience or for places that offer persuasive advice. Young people are blinded by the ambition of success and are likely to go wrong, but older people have little room for personal greed.

There was a retirement age system in the U.S. in the past, but there was no retirement age due to the abolition of the upper age limit, subject to the Employment Age Discrimination Act from 1986. Japan has the highest proportion of senior citizens, but with an anachronistic retirement age, it is rarely able to revive the capabilities of senior citizens such as managers, advisers and supervisors.

Compared to the fact that the elderly in the U.S. die alone apart from their friends and children, traditional society like New Guinea is a traditional society where family, friends and everyone live together for the rest of their lives, so we don't know whether the elderly here lead a much more satisfying life.

He once said that the reason why China lost ground to Europe in the 15th and 19th centuries was because the weakness of reunification was revealed. China was a huge unified country, and the emperor was only one, so if a passive king came to the throne, he would be passive in making inroads into the world, but Columbus, who traveled around the European continent and received support from the Spanish king, traveled around Italy, France, and Portugal. Diversity is one solution to diffuse risk.

In the case of the United States, 50 states have the full power and 50 test sites of policies can serve as examples of other states.

the United States of America divided its people into two categories. Those who are full of energy and want to take risks, and those who are willing to stick to the existing process that is ambitious. Immigration is done by those who have the courage to take risks, and the United States has gained the most ambitious people thanks to the acceptance of immigrants.

Immigration is the driving force behind the revitalization of the U.S. Cultural unity also has its disadvantages, leaving creativity and innovation behind, instead of reducing conflicts within society.

The three problems of the gap between countries.

the problem of the spread of new infectious diseases
New infectious diseases such as Ebola hemorrhagic fever in Africa in the '60s and '70s, and AIDS virus in the '80s, can spread across borders and into rich countries through globalization today.

The second is terrorism. If the gap between countries widens, the poor will resent the leisurely lives of advanced countries. Poor countries are easy to move by attacking rich countries after terrorists have gained support.

The third is that migration to other countries accelerates. No one has to wait as long as 50 years for the public to confirm its achievements, even if the poor government sets policies to raise living standards and improves the system. People want to enjoy a high standard of living at this point. The only solution is migration to a rich place.

The use of bilingualism prevents Alzheimer's disease. Because the brain is constantly being used. In a study conducted in Canada, bilingual users delay Alzheimer's disease by five years.

Since New Guinea's traditional society is a small group of only tens to hundreds of people, everyone knows each other. People who are not family share responsibility because they know each other across the house. Conversely, strangers in New Guinea are considered dangerous. When faced with a stranger in the jungle, the New Guinea natives first talk two to three hours to determine who their opponent is and relax their vigilance because they are not others when a common relative is mentioned.

In New Guinea, medical facilities are not developed, so if you hurt your leg, you have to limp until you die, so all actions are handled too carefully and carefully. This is called constructive paranoia. Structural paranoia

The rapid integration of the global economy into one another raises the possibility of a global collapse.

The widening gap between countries predicts that many problems will arise in the future. Pointing to the spread of new infectious diseases, the spread of terrorism and accelerating migration to other countries, he advised advanced countries to take active steps to alleviate the damage.
Possibility of a worldwide collapse

Chapter 3 How to Control Artificial Intelligence

Nick Bostrom, author of "Superintelligence: Born in Sweden in 1973. Professor of Philosophy at Oxford University and Director of the Institute for the Future of Humanity
Superintelligence, or superintelligence, refers to artificial intelligence that surpasses the general intelligence of human beings.
With the development of deep learning in recent years, artificial intelligence development has increased considerably.

In case of autonomous driving, multiple variables such as sudden situations are considered in the self-driving system and the decision is repeated on the road. A weak artificial intelligence specialized in a specific area and a strong artificial intelligence (universal artificial intelligence) that performs all human tasks and intellectual tasks

If general-purpose artificial intelligence is developed and fully controlled, all humans will benefit.
The ethical consistency of artificial intelligence, namely the need for systems and structures to benefit humanity, not only for the benefit of a particular country or company, but also for the benefit of mankind.

The enhancement of human abilities by genetic modification is also taking place by selecting fertilized eggs with superior genes through in vitro fertilization. There is a dilemma that if humans improve their intellectual abilities to fight against artificial intelligence, they will rather be overtaken by artificial intelligence.

 

第一章 人类将面临怎样的命运?
决定未来的因素是人工智能的差距
第四次产业革命将由人工智能领导。 医疗,居住,教育,工作形态和性格非常重要。
随着世界化的深化,随着差距和分化(polaization)的产生,人类的疲劳感正在高涨,同时人工智能引领的革命开始兴起。

《萨芬斯》的作者诱发哈拉里:如果人工智能得到进一步发展,大多数人类将沦落为失去政治,经济价值的舞蹈阶级(useless class)。

刘发哈拉里(1976年生),现任伊鲁沙莱姆希伯来大学历史系教授。 2011年在以色列出版的名为《萨芬斯》的著作中...
道破"人类会迎来怎样的命运?"

刘发哈拉里的意见如下。
笔者认为,人的幸福不是物质上的,而是被期望值所左右。 期待满足的话会感到幸福,期待不到的话会觉得不幸。 如果情况好转,期待值也会提高。 人类在体验成就感或快乐时,更愿意享受,而不是满足。 只要个人和集体都希望享受,就不会有满意的事情发生。

民主主义是20世纪最成功的政治结构。 民主主义的扩散给人类带来了巨大的利益。 进入21世纪后,民主主义未能很好地处理难题。 随着科学技术的发展,经济或社会的变化速度大大加快,为了掌握当今世界上发生了什么事情,需要收集和分析的信息量正在以几何级数增长。 因为无法预测,所以不能决定未来追求的目标或价值,也不能制定计划。

很难预测未来的职业或生命延长等。 所以可以说现行的年金和保险是基于不现实的假设。 "政治也好,进步也好,保守也好,民主主义也好,权威主义也好,都没能有说服力地提出未来的面貌,政治家和选民被排斥在世间变化之外,只有科学技术在不断取得戏剧性的发展,支配着我们的日常生活。"

科学技术改变社会是事实,但社会是朝着什么方向发展,但不是决定的。

在今后几十年里,人类将面临三个巨大的危机,即核战争,全球变暖和依靠科学技术的实际存在危机。
世界强国不能独自解决这些问题,需要国家间的合作。 但是,英国脱欧,美国总统特朗普,民粹主义的崛起等民族主义阻碍了在国际层面上进行合作的机会和能力,因此存在危险。

基督教在黎明时期只不过是众多宗教中的一个,但它是当今世界最广为流传的结束,具有深远的意义,它承认武力在扩散过程中所做出的贡献。 基督教在4世纪成为罗马帝国的国交,得到了帝国的政治支持和军事支援,并交替使用和平的布教和武力,不断增加信徒。

帝国主义者压迫和剥削了原住民,迫使他们接受基督教。

第二章 现代文明能否持续

《枪,菌,铁》的作者,文化人类学家,进化生物学家杰雷德·钻石:1937年出生于美国波士顿,曾在哈佛大学任生物学教授,剑桥大学任生理学专业的加州大学洛杉矶分校教授。

低生育高龄化现象?
有人指出,日本的低生育现象还没有充分利用人力资源,并表示:"如果改善其部分,就没有必要对低生育现象感到悲观。"
从对资源的需求方面来看,低 저山反而可能成为新的竞争力。

创意性源于多样性。

差距的问题... 三种危险中产生差距。
预测认为,新型传染病的扩大,恐怖主义的蔓延,加速移居他国将引发重大问题。 为了避免世界性的灾难,发达国家应该出面解决这些问题。

在各种形式的传统社会中,从子女的养育方式到老人的社会待遇等方面,都可以汲取教训。

人类资源,快速地、大量消费导致的资源,创造出的地球是萎靡不振,资源不足,人类文明的崩溃可能春天 围绕资源的竞争可能会引发战争,导致崩溃。
春天说,未来的大危机之一将是资源短缺,人口减少不是问题,而是值得欢迎的事情。

日本的高龄化在历史上是非常特殊的。 对需要经营或管理经验的职位或有说服力地提出建议的职位,高龄人士也许比年轻人更有用。 年轻人被成功的野心迷住了眼睛,稍有不慎就会误事,但老年人个人贪心的空间很小。

美国过去有退休制度,但从1986年开始将《雇佣商禁止年龄歧视法》的适用对象定为40岁以上,废除上限年龄,没有退休年龄。 日本是高龄者比率最高的国家,但是因与时俱进的退休制度,能拯救管理者,顾问,监督等高龄者的能力的情况很少。

与美国老人远离朋友和子女孤独地死去的现实相比,像新几内亚这样的传统社会是家人,亲戚,所有人一生共同生活的传统社会,因此这里的老人也许能过上更加令人满意的生活。

我曾说过,中国在15~19世纪落后于欧洲是因为暴露出了统一的弱点。 中国是一个巨大的统一国家,皇帝只有一个,所以如果对外进军消极的国王登基,对外进军必然消极,但在欧洲大陆,从对外投资巨额的多种王国,意大利,法国,葡萄牙, 多样性是分散风险的一种解决办法。

在美国,50个州也行使全权,即使是政策的50个试验场也无妨,政治多样性的试验可以成为其他州的榜样。

美国把国民分为两类。 一个是那些精力充沛,愿意承担风险的人,另一个是那些没有雄心壮志,坚持现有过程的人。 移民是敢于选择危险的人,而美国因为接纳了移民,得到了最野心勃勃的国民。

移民才是给美国这个国家注入活力的原动力。 文化单一性也有减少社会内部矛盾,而忽视创意和革新的缺点。

国家间差距的三个问题

新型传染病的扩散问题。
60~70年代在阿芙拉卡发生的埃博拉出血热,80年代艾滋病毒等新型传染病,随着今天的全球化,可以跨越国境扩散到富裕国家。

第二是恐怖主义。 如果国家间差距扩大,贫困国民就会对发达国家的悠闲生活感到愤慨。 贫困国家很容易采取恐怖分子获得支持后攻击富裕国家的方式。

第三是加速移居他国。 即使贫困国家政府为提高生活水平制定政策并改善制度,国民也不会为了确认其成果而等待50年。 人们现在就想在这个时候享受较高的生活水平。 唯一的解决方法就是去富饶地方的李主任。

使用双语预防老年痴呆症。 大脑不断使用。 在加拿大进行的研究中,使用双语的人,阿尔茨海默氏症会延迟5年左右。

"新几内亚的传统社会只有几十人甚至数百人,是一个小规模的群体,所以彼此之间没有不认识的人。" 因为是隔一家都知道的面孔,所以不是家人的人也要分担责任。 反之,在新几内亚不认识的人被视为危险人物。 在丛林中遇到陌生人时,新几内亚土著人首先会为了判断对方是谁而交谈两,三个小时,如果提到共同的亲戚,就会放松警惕,因为不是他人。

医疗设施的发展,在新几内亚结束,因为腿受伤,到死不瘸一拐地生活,所有行动过于谨慎,慎重处理。 这是建设性的偏执症。 constructive pararoia

世界经济迅速融合,相互连接,因此有人提出全球崩溃的可能性。

我们预测,国家间差距扩大将引发各种问题。 会议指出,新型传染病的蔓延,恐怖主义的蔓延,加速移居他国,并建议发达国家应积极行动起来,减轻损失。
全世界都有可能发生崩溃

第三章 如何控制人工智能

《Super Intelligence》的作者尼克·博斯特罗姆:1973年出生于瑞典。 牛津大学哲学系教授,人类未来研究所所长
超级智能即超智能是指超过人类一般智能的人工智能。
近年来,随着深层学习的发展,人工智能发射速度将大大加快。

自动行驶时,在自动驾驶系统上综合考虑突发状况等多种变数,在道路上反复选择和决定。 分为特定领域的弱人工智能和执行人类所有工作和智力课题的强人工智能(通用人工智能)两种

如果通用人工智能被开发出来并能够对其进行完美控制,那么所有人类都将享受这一福利。
人工智能的伦理匹配性,即符合人类普遍价值,伦理的人工智能制造方法,人工智能不仅仅是为了特定国家或企业的利益,而是为了全类=人类受益的制度与结构。

通过转基因增强人类能力的方法是通过体外受精来选择具有优越基因的受精卵。 人类如果为了对抗人工智能而自行提高智力,反而会加速被人工智能超越的速度,这是两难的选择。

 

 

第1枚 人類はどんな運命を迎えるだろうか?
今後、未来を決める要因として注目したのは人工知能との格差だった。
4次産業革命は人工知能が導くだろう。 医療、住居、教育、仕事の形態と性格児が重要。
グローバル化の深まるにつれ、格差と分極化(polarization)の発生に人類は疲労感が高まっている一方、人工知能が導く革命が勃興し始めた。

@@@ともう・サピエンスの著者誘発ハラリ:人工知能がもっと発展すると、大多数の人間が政治・ジャグ経済的価値を失った舞踊階級(useless class)に転落するだろうと予想したこと。

ユバルハラリー(76年生)はエルサルレムヘブライ大学歴史学部教授として在職中であること。 2011年にイスラエルで出版した'・サピエンス'という著書で…
"人類はどのような運命を迎えるのか?"を説く。

誘発原理の意見は下記の通り。
人間の幸福は物質的なものではなく、期待値に左右されると思う。 期待が満たされれば幸せだと感じ、期待に及ばなければ不幸だと考えます。 都合がよくなれば期待も高まります。 人間は達成感や楽しさを経験すれば満足するのではなく、もっと享受したがるという。 個人はもちろん集団でももっと享受したいという気持ちがある限り、満足することはない。

民主主義は20世紀に最も成功した政治構造です。 民主主義の拡散は人類に莫大な利益をもたらしました。 21世紀に入った後、民主主義は難題をきちんと処理していないこと。 科学技術の発展により、経済や社会の変化の速度が途方もなく速くなっているため、現在、世界で何が起きているのかを把握するために収集·分析しなければならない情報量が、幾何級数に増えている。 予測できないため、未来に追求する目標や価値を決めることも計画を立てることもできない。

将来の職業や、延命など予測が困難。 そこで現行の年金や保険は、非現実的な仮定に基づくものと見てよい。 政治も進歩であれ保守であれ民主主義であれ、権威主義であれ、未来の姿を説得力を持って提示することができず、政治家と有権者は世の中の変化から疎外され、科学技術のみ劇的な発展を重ねて我々の日常を支配しています。

科学技術が社会を変えることは事実や社会をある方向に導くことはするが、決定するものではない。

今後数十年以内に人類は3つの、大きな危機、核戦争、地球温暖化、科学技術による実存的危機に直面するだろう。
このような問題を世界の大国が独自に解決できず、国家間の協力が必要。 しかし、ブレキシト、ドナルド·トランプ米大統領、ポピュリズムの浮上など、民族主義は国際的なレベルで協力する機会と能力を阻害し危険だ。

キリスト教は黎明期には数多くの宗教の一つに過ぎなかったが、今日世界でもっとも広まった終了という意味を持つが、これは拡散過程で武力が寄与したことを認める。 キリスト教は4世紀にローマ帝国の国交となることにより、帝国の政治的支持と軍事支援を得て、平和的布教と武力を交互に使用し、信者を増やして行き。

帝国主義者は原住民を抑圧して搾取し、彼らがキリスト教を強制的に収容させました。

第2枚、現代文明は持続できるか

'銃、菌、鉄'の著者、文化人類学者であり、進化生物学者ジェレド・ダイアモンド:1937年、米ボストン生まれ、ハーバード大学で生物学、ケンブリッジ大学で生理学専攻、カリフォルニア大学ロサンゼルス校キャンパス(UCLA)で医学部生理学教授経て、地理学科の教授に在職中。

●少子高齢化現象?
日本の少子化現象が、まだ人的資源が十分活用されていないことを指摘し、その部分を改善するなら、少子化現象を改めて悲観的に見る必要はない"と述べた。
資源に対する需要の面で低計算はむしろ新しい競争力になるかも知れないという点を主張。

創造性が多様性から始まる。

格差の問題... 3つの危険に開きが生ずる
新種伝染病の拡大、テロリズムの蔓延、他国への移住加速が大きな問題を引き起こすと予測。 このような問題は世界的な災いを避けるために先進国が乗り出して解決しなければならない戦略課題である。

様々な形の伝統社会で子供の養育方法から老人が社会的処遇などに対する教訓を得ることができる。

人類が資源を過度に早く、大量に消費するため、資源を作り出さなければならない地球が力なく、資源不足で人類の文明が崩壊しかねないと見ている。 資源をめぐる競争が戦争を起こして崩壊につながることがある。
未来の大きな危機の一つは資源不足になるはずなので、人口減少は問題ではなく歓迎すべきことだと思う。

日本の高齢化は歴史上特異なケースである。 経営や管理経験が必要な席や説得力をもって助言する席には、若い人よりも高齢者が役に立つかもしれません。 若者は成功の野心に目がくらみ、ややもすると物事を誤る可能性があるが、老人は個人的な欲を出す余地が少ない。

米国は過去に定年退職制度があったが、1986年から雇用上年齢差別禁止法の適用対象を40歳以上として上限年齢を廃止し、定年がないこと。 日本は高齢者の比率が最も高い国だが、時代錯誤的な定年制で管理者や、顧問、監督など高齢者の能力を生かせることが少ない。

米国の老人が友人や子どもと離れて孤独に最期を迎える現実に比べれば、ニューギニアのような伝統社会は家族、親戚、皆が一生一緒に暮らす伝統社会であるため、ここの老人がはるかに満足できる生活を営むかも知れない。

15~19世紀に中国が欧州に押された理由が統一の弱点がさらけ出されたためだと話したことがある。 中国は巨大な統一国家で、皇帝はただ一人だったため、対外進出に消極的な王が即位すれば対外進出が消極的にならざるを得ないが、欧州大陸には対外進出に巨額を投資した多様な王国、イタリア、フランス、ポルトガルを回ってスペイン王から支援を受けたコロンブスが新大陸発見。 多様性はリスクを分散させる一つの解決策だ。

米国の場合にも50州が全権の行いながら政策の50つの実験場としてよいほど政治的多様性による実験が他の主義の手本に作用することができる。

アメリカは国民を2つの部類に分けて考える。 エネルギーが溢れ、危険を甘受しようとする人々、もう一つは野心のない従来のプロセスを固守しようとする人々だ。 移民は危険を選ぶ勇気のある人々が行い、米国は移民者を受け入れたおかげで、最も野心満々な国民を得たわけだ。

移民こそアメリカという国に活力を吹き込む原動力である。 文化的単一性は社会内の葛藤を減らす代わりに、創意と革新を遅らせる短所もある。

国家間の格差の三つの問題...

新種の感染病の拡散問題
60~70年代アプラカで発生したエボルラ出血熱、80年代、エイズウイルスなど新型感染病は今日のグローバル化で国境を越えて豊かな国に広がりうること。

二番目はテロリズム。 国家間の格差が広がれば、貧困国民は先進国の豊かな暮らしに憤慨するようになる。 貧困国はテロ犯が支持基盤を得た後、富裕国を攻撃するやり方で動きやすい。

第三は、他国への移住が加速する点である。 貧困国政府が生活水準を高めるために政策を立て、制度を改善しても、その成果を確認するために、国民が50年も待たなければならない人はいない。 人々は今すぐこの時点で高い生活水準を享受したがる。 その唯一の解決策は、豊かな所への移住である。

バイリンガル使用がアルツハイマー病を予防する。 絶え間なく脳を使うためである。 カナダで実施された研究で二重言語使用者はアルツハイマー病が5年ぐらい遅延される。

ニューギニアの伝統社会は数十人から数百人に過ぎない小規模集団であるため、お互いに知らない人はいない。 一軒隔たった顔なので家族でない人でも責任を共有している。 逆に適用すると、ニューギニアで知らない人は危険人物とみなされる。 ジャングルで見知らぬ人と合ったとき、ニューギニア原住民たちはまず、相手が誰かを判断するための2~3時間対話を交わして共通の親戚が言及されれば、他人がないため、警戒心を解決する。

ニューギニアでは医療施設が発達していないため、足を怪我すると死ぬまで足を引きずりながら生活しなければならないため、すべての行動が慎重すぎ慎重に対処する。 これを建設的な偏執症という。 constructive paranoia

世界経済が急速に統合され、相互につながっているため、世界的な崩壊が発生する可能性が提起されている。

国家間の格差の拡大は今後、様々な問題が発生すると予測する。 新種の伝染病の拡散、テロリズムの蔓延、他国への移住加速化を指摘し、被害を軽減するためには先進国が積極的に乗り出さなければならないとアドバイスする。
世界的な崩壊が発生する可能性が提起

第3枚人工知能をどのように統制するのか

'スーパー・インテリジェンス・'の著者ニック・ボストォロム:1973年、スウェーデンの出生。 オックスフォード大学哲学科教授で人類未来研究所所長
スーパーインテリジェンスすなわち超知能とは人間の一般知能を凌駕する人工知能をいう。
最近数年間、ディープラーニング(深層学習)が発達し、人工知能の発達速度がかなり速くなる。

自律走行の場合、突発状況など様々な変数を自律走行システムに総合的に考慮し、道路上で選択と決定を繰り返させる。 特定領域に特化した弱い人工知能と、人間が行う、全部ての仕事と知的課題を遂行する強い人工知能(汎用人工知能)の2種類に分けられる。

もし汎用人工知能が開発され、それを完璧に統制することができれば、すべての人間が恩恵を享受できるはず。
人工知能の倫理的整合性、すなわち人類の普遍的価値、倫理に合致するように人工知能を作る方法で、人工知能が特定国家や企業利益のためだけでなく、電流=人類に恩恵を与えるための制度と構造が必要。

遺伝子組み換えによる人間能力の増強は、体外受精を通じて優越遺伝子を持った受精卵を選択する方法でも起きている。 人間が人工知能に対抗しようと自ら知的能力を向上させると、むしろ人工知能に追い越される速度が速くなるというジレンマがある。

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'독신 (독서의 신_Book review)' 카테고리의 다른 글

메트릭스 조직의 이해 (1)  (0) 2020.01.19
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It's been a while since I've re-opened my book, "Making Money with Google Adsense."

I've been too busy with my schedules, and I haven't had time to study other things (bitcoin, stock, finance, etc.).

 


Today...

 


Let's learn how to register my T-story blog with the Naver Web Master Tool to help you search your blog better.

 

 

--------------------------------------------------------------------------------

First

Subscribe to the Naver Web Master Tool first.

 

 

--------------------------------------------------------------------------------

second child

When the Add Site/Apps screen appears, click Add Site.

Register your own T-story blog.

http://blog name.tistory.com

 

 

--------------------------------------------------------------------------------

Third

A screen will appear to confirm the site's ownership of the

Here's a list of all the things you can see in the HTML tag entry.

Copy the part that says [metatag].

 


Click and paste HTML/SCC Edit into my T-story blog management screen.

Paste between the existing meta-tag and the meta-tag that says meta-name, and click Save.

 

 

--------------------------------------------------------------------------------

Fourth

If you go back to Naver's site ownership confirmation screen and click OK, it is registered on Naver's webmaster.

 


Google or the Webmaster tool will also make it easier to search your blog on the search portal.

 

 

 

This is a summary of what we learned from Google Adsense's "Making Money."

For more information, buy a book called 'Making Money with Google Adsense'

Please refer to it.

 

 

时隔许久,我再次翻开了《用谷歌广告赚钱》的书。

这段时间日程非常繁忙,学习其他东西(bit coin,股票,金融等),时间不是很充裕。

 


今天...

 


下面就让我们来了解一下如何将我的Tstory博客注册为naver网站master工具,以便更好地搜索博客。

 

 

--------------------------------------------------------------------------------

第一,

首先在naver网页工具上注册会员。

 

 

--------------------------------------------------------------------------------

第二,

欲连接的网站/应用程序显示画面出现时点击增加网站

注册自己的Tstory博客。

http://블로그이름.tistory.com

 

 

--------------------------------------------------------------------------------

第三,

会出现确认该网站博客所有的画面。

在这里HTML Tag项下的

复制[Metta Tag]的部分,

 


在我的Tstory博客管理画面上点击HTML/SCC编辑后粘贴。

将"meta name"与现有的"meta name"相连接,点击保存即可。

 

 

--------------------------------------------------------------------------------

第四,

之后回到naver的网站所有确认画面,点击确认就可以登录naver网站。

 


据说,如果谷歌或daum也使用网络master工具,就可以轻松搜索我的博客。

 

 

 

本内容是根据"谷歌AdSense赚钱(丰饶的知音)"进行学习后总结的内容,

详细内容请购买《用Google EdSense赚钱》一书

请参考一下。

 

 

 

 

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사람이 살면서 피할 수 없는 것은 죽음과 세금이란다.

 

그대로 받아 들일 것인가?

 

죽음을 피하기 위해 샘영연장과 건강관리, 세금을 줄이기 위해 절세전략이 필요한 것이다.

 

증여세와 상속세(최고 세율 50%) 로 가장 높다.

 

* 증여의 개념

 

증여란 증여자가 대가 없이 자기의 재산을 수증자에게 주겠다는 의사를 표시하고, 수증자가 이를 승낙함으로써 성립하게 되는 계약이다 (민법 제 554조)

 

증여할 때 대가가 있다면 이는 매매가 될 것이다.

 

증여하면서 조건을 다는 '부모를 봉양하라 그렇지 않으면 증여를 취소하겠다'라고 하는 조건부 증여도 있음.

 

 

증여는 살아 있을 때 주는 것을 말한다. 죽은 다음에 주어진다면 이는 상속임.

 

증여는 여러차례 할 수 있는데, 상속은 죽을 때 한번만 할 수 있다.

 

증여할 수 있는 것은 재산적 가치가 있는 모든 것으로 현금, 예금, 동산, 부동산, 주식, 귀금속, 특허권 등 다양함.

 

증여나 상속을 하게 되면 재산 가액을 평가하여 세금을 산출한다.

 

상속세 및 증여세법 제60조에 따르면 상속세 증여세가 부과되는 재산의 가액은 상속 개시일 또는 증여일(평가기준일) 현재의 시가에 따른다.

 

시가(공정가액은)는 '불특정 다수인 사이에 자유롭게 거래가 이루어질 떄 인정 되는 가액'

 

다만, 거래가액이 객관적으로 부당하다고 여겨질 떄는 시가에서 제외되기도 한다.

 

(아버지가 아들에게 시가보다 훨씬 싸게 부동산을 매각한 경우 시가로 보기 어렵기에 다시 시가를 판단함)

 

(비상장 주식 같이 거래가 빈번하지 않은 경우, 일정금액 또는 일정 비율 이상 거래 되지 않으면 시가로 인정하지 않기도 함)

 

 

 

시가를 판단 하는 기준

 

토지 : 개별 공시지가

아파트 : 시가 평가 (공동주택 공시 가격, 일괄 고시가액)

상가빌딩 : 토지(개별공시지가), 건물 (국세청 건물기준시가)

단독, 다가구 (개별 주택 공시가격)

예금, 적금 : 평가 기준일 현재 얘금 총액 + 미수이자 (1-원천징수 세율)

상장주식 : 평가기준일 전 후 2개월 간의 종가 평균, 최종 시시 가액)

비상장 주식(일반법인) 1주당 순손익 가치 * 3 + (1주단 순자산가치 *2) /5

- 순손익 가치 : 1주당 3년간 가중평균 순이익 / 10%

- 순자산 가치 : 법인의 순자산 가액 / 총발행 주식수

 

 

** 증여재산의 평가기간을 평가기준일 전 6개월 부터 평가기준일 후 3개월로 확대 함 (`19년 2월 이후)

 

* 상속세와 증여세의 비교

 

증여 : 생전 (무상계약)           상속 : 사망 (재산상 법률 관계의 승계)

증여 : 유산 취득세 방식         상속 : 유산 과세 방식

증여 : 시가 원칙(보충적 평가)  상속 : 시가원칙 (보충적 평가)

 

주요 공제 내용

증여 : 배우자 6억원, 성년 자녀 5,000만원, 미성년 자녀 2,000만원

상속 : 배우자공제 5억~30억원, 일괄 공제 5억원, 동거주택 상속 공제 최대 5억원, 금융 재산 공제 최대 2억원

 

과세표준 ( 증여세, 상속세 동일)

1억원 이하 : 10%

1억 초과 ~ 5억 이하 : 20%

5억 초과 ~ 10억 이하 : 30%

10억 초과 ~ 30억 이하 : 40%

30억원 초과 : 50%

 

 

 

* 상속은 재산을 나눠 주는 사람을 기준으로 총재산에 대해 누진 과를 하기 때문에 재산이 많은 경우 상속세 부담이 크다.

 

* 증여는 재산을 받는 사람을 기준으로 과세를 하기 때문에 분산된 재산과 분산된 수증자로 인하여 세금이 저렴할 수 있음.

 

* 분산해서 증여한다면 절세 효과가 클 수 있고, 증여는 여러 차례 할 수 있기 떄문에 장기간에 걸쳐 실행한다면 자산 이전 효과와 더불어 절세효과도 극대화 할 수 있음.

 

 

다만, 상속세는 공제 혜택이 큰 장점이 있다. 배우자 공제가 최대 30억까지 가능하며, 동거주택 상속 공제 5억원 ,일괄 공제 5억원, 금융 재산 공제 2억원 등 공제 혜택이 큼.

 

* 상속재산 10억 이하이고, 배우자 자녀만 있는 경우에는 상속세가 발생하지 않기 때문에 굳이 사전 증여를 할 필요가 없음.

  상속재산 5억 이하이고, 배우자가 없고, 자녀만 있는 경우에는 상속세가 발생하지 않으므로 사전증여할 필요가 없음.

 

* 상속재산 30억이면, 일부는 사전 증여, 나머지는 상속으로 가는 것이 유리. 배우자 공제 잘 살펴 활용 필요함.

 

* 상속재산 100억이상 : 일부증여(배우자 증여)를 통해 자산 이전을 하고 남아 있는 상속재산 토대로 상속세 산출해보고 상속세에 해당하는 만큼의 생명보험을 가입하여, 상속세 재원을 컨펌해야 할지?

 

 

* 사전증여 한다 해도 상속인에게 증여한 재산이 증여 이후 10년이 경과 되지 않는 상태에서 피상속인이 사망하게 되면 되면 상속재산에 합산하여 상속세를 다시 부과 함.

 

--- 따라서 고령이거나 와병중인 상태의 피상속인이 사전 증요를 할 때에는 각별히 조심해야 함.

 

* 비상속인에게 증여한 재산도 5년이 경과되지 않은 상태에서 상속이 개시된다면 상속 재산에 합산하여 상속세를 부과한다. 1순위 상속인이 아닌 사람에게 사전 증여를 할때에도 이러한 점을 고려하여야 한다.

 

상속인은 제1순위 상속인만 해당. 배우자 자녀 있다면 이들이 상속인이고, 며느리, 사위, 손자, 손녀등은 비상속인이다.

비상속인에게 사전증여 하면 5년만 경과하면 상속재산에 포함되지 않으므로 고령의 피상속인이 실행한다면 효과 적일 수 있다.

 

예를 들어 피 상속인이 고령이라서 10년 이상 생존이 불가할 것으로 판단 되나 5년 이상은 생존할 가능성이 있다면 판단하는 경우, 비상속인 증여를 할 수 있고, 증여이후 5년만 경과하면 상속재산에 포함되지 않기 때문임.

즉, 피상속인이 10년이상 잔여여명이 남지 않았다고 판단할 겨우나, 상속인에게 이미 사전 증여를 모두 해서 추가로 더할 경우 최고 세율인 50%의 증여세를 부담해야 하는 경우 비상속인(며느리, 사위 등)에게 사전증여하는 방법이 좋다.

그러나 손자녀에게 사전 증여하면 세대생략 할증 세율이 30%(최대 40%)가 붙기 때문에 증여전략을 꼼꼼히 봐야 함.

 

 

이미 증여한 재산이 상속재산에 합산되지 않는 경우

-. 사전 증여 받은 상속인이 10년 이내 먼저 사망하고 이후 증여자가 사망한 경우 증여재산은 상속재산에 합산되지는 않는다.

예를들어, 아버지가 어머니에게 10억을 사전 증여하였는데, 어머니가 5년 후 사망하고 이어 3년 후 아버지가 사망하였다면 아버지 상속재산에 어머니에게 사전 증여한 재산을 합산하지는 않는다. 어머니 사망으로 이미 상속세 과세 대상이 되었기 때문이다.

 

 


What one can't avoid in life is death and taxes.

 

 

Will you accept it as it is?

 

 

To avoid death, a tax-saving strategy is needed to reduce the amount of tax, health care and taxes.

 

 

It is the highest gift tax and inheritance tax (maximum tax rate of 50 percent).

 

 

* Concept of gift

 

 

Gift is a contract in which a donor expresses his or her intention to give his or her property to a recipient without consideration and the recipient agrees to it (Article 554 of the Civil Act).

 

 

If there is a price to give, it will be a sale.

 

 

There are also conditional gifts that are given and conditioned, "Prender your parents up or I'll cancel the gift."

 

 

 


Gift is what you give when you are alive. If given after death, it is inheritance.

 

 

Gift giving can be done many times; inheritance can only be done once at death.

 

 

What can be given is everything of property value, various in cash, deposits, Dongsan, real estate, stocks, precious metals, patent rights and so on.

 

 

When giving or inheriting a gift, the value of the property is assessed to calculate the tax.

 

 

Article 60 of the Inheritance Tax and Gift Tax Act states that the value of the property to which the inheritance tax is levied shall be subject to the current market price at the beginning of the inheritance or the date of the gift (the valuation base date).

 

 

The market price (fair value) is 'an acceptable value when a transaction is made freely between a specified number of persons'.

 

 

However, when the transaction amount is deemed objectively unfair, the transaction price is excluded from the market price.

 

 

(If the father sold the property to his son at a much lower price than the market price, it would be difficult to see it as the market price and therefore the market price would be determined again.)

 

 

(In the case of infrequent trading, such as unlisted stocks, a certain amount or rate of trading is not accepted as a market price.)

 

 

 

 

 

a yardstick for judging market prices

 

 

Land: Individual official land


Apartment: Evaluation of the market price (public price of the joint housing, value of the announcement in a lump sum)


Commercial Building: Land (individual public land), Building (National Tax Office building standard time)


Single, multi-family (individual housing price)


Deposit, installment savings: Total amount of interest as of the evaluation date + interest rate outstanding (1-woncheon collection tax rate)


Listed stocks: Average closing price of two months before the evaluation date, final time value)


Unlisted shares (general corporation) value of net profit or loss per share * 3 + (per share net asset value *2) /5


- Value of net profit and loss: weighted average net profit for 3 years per week / 10%


- Net asset value: the value of the entity's net assets / the total number of shares issued

 

 

 


** The evaluation period of gift property is extended from six months before the evaluation date to three months after the evaluation date ('after February19)

 

 

* Comparison of inheritance and gift taxes

 

 

Gift: Birth (Free Contract) Inheritance: Death (Inheritance of Legal Relations in Property)


Gift: Inheritance of the acquisition tax method: Tax of inheritance


Gift: Inheritance (Supplemental Evaluation) : Market principle (Supplemental Evaluation)

 

 

Key deduction details


Gift: 600 million won for spouse, 50 million won for adult children and 20 million won for underage children.

Inheritance: 500 million to 3 billion won in spouse deduction, 500 million won in lump sum deduction, 500 million won in inheritance of cohabitation house, up to 200 million won in financial property deduction.

 

 

Taxation standard (Gift tax, inheritance tax same)


100 million won or less: 10 percent


Over 100 million to 500 million: 20%


500 million to 1 billion won or less: 30 percent


Over 1 billion to 3 billion : 40 percent


Over 3 billion won: 50%

 

 

 

 

 

* Inheritance is progressive in terms of total assets based on the person who distributes the property, so if there is a large amount of property, the inheritance tax burden is high.

 

 

* Gift taxes are based on the person receiving the property, so taxes can be low due to dispersed property and dispersed water capital increase.

 

 

* Dispersed gifts can have a large tax saving effect, and long-term performance can maximize the savings as well as asset transfer effect.

 

 

 


However, the inheritance tax has a great advantage. Up to 3 billion won can be deducted for spouse, and 500 million won for inheritance of housemates, 500 million won for one-size-fits-all, and 200 million won for financial property.

 

 

* No need to give in advance because he has less than 1 billion inheritance and there is no inheritance tax if he has only a spouse's child.

No inheritance tax is required in advance, as there is no inheritance tax if there is less than 500 million won in inheritance, no spouse, and only children.

 

 

* If you have 3 billion won in inheritance, it's better to give some in advance and the rest in inheritance. Need to use spouse credit carefully.

 

 

* Over 10 billion won in inheritance property: Should we calculate inheritance tax based on the inheritance and purchase life insurance equivalent to the inheritance tax based on some of the assets transferred (spouse gift) and confirm the inheritance tax funds?

 

 

 

 

 

 

 

 

 

 

 


* In addition to the inheritance property, inheritance tax should be levied again if the heir dies less than 10 years after the gift, even if they are given in advance.

 

 

--- Therefore, you should be extra careful when giving pre-delivery to an elderly or sick person.

 

 

* In addition, the inheritance tax should be levied on the property that is donated to the non-inheritance person if inheritance is initiated after five years have passed. This should be taken into account when giving prior gifts to non-priority heirs.

 

 

The heirs are only the first heirs. If you have a spouse's child, they are heirs, and the daughter-in-law, son-in-law, grandson and granddaughter are non-lethal.


Pre-donated gifts to non-inheritants are not included in the inheritance after five years, so they can be effective if carried out by older heirs.

 

 

For example, if the heirs are old enough to be unable to survive for more than 10 years, but if they are likely to survive for more than five years, they can give a gift to the heir, and five years after the gift, they will not be included in the inheritance.


In other words, if the heir is forced to pay a maximum tax rate of 50 percent if he or she already has no remaining life left for more than 10 years, and if he or she is added to the heir in advance, he is advised to give a gift in advance (slow, son-in-law, etc.).


However, if you give it to your grandchildren in advance, the tax rate of tax increase on generational livelihood will be 30 percent (up to 40 percent), so you should carefully watch the gift strategy.

 

 

 


In case the property already donated is not added to the inheritance.


- In the event that the pre-donated heir dies first within 10 years and then the donor dies, the gift property shall not be added to the inheritance.


For example, if a father gave a billion won in advance to his mother, and the mother died five years later, three years later, the father's inheritance does not add up to his mother's assets. This is because his mother's death has already made him subject to inheritance tax.

 

 

人活着无法避免的是死亡和税金。

 

 

照收不误?

 

 

为避免死亡,需要延长泉营时间,管理健康,减少税金。

 

 

赠与税和继承税(最高税率50%)最高。

 

 

* 赠与的概念

 

 

赠与是指赠与人无代价地把自己的财产交给受赠人,受赠人承诺后成立的合同(民法第554条)

 

 

如果赠与时有代价,这将是买卖。

 

 

还有赠与时附带条件的"赡养父母,否则将取消赠与"的有条件的赠与。

 

 

 


赠与是指活着时给予的。 死后给予地话这是继承。

 

 

赠与可以多次,但继承在死时只能一次。

 

 

可以赠与的,是所有有财产价值的,包括现金,存款,动产,不动产,股票,贵金属,特许权等。

 

 

赠与或继承财产时,评估财产价值并计算税金。

 

 

根据《继承税及赠与税法》第60条规定,征收继承税,赠与税的财产的加额,按照继承开始日或赠与日(评估基准日)目前的市价计算。

 

 

市价(工程价额)是"在不特定多数人之间自由交易的-被认可的价额"

 

 

但是,交易金额被排除在客观上被认为不合理的市价之外。

 

 

(父亲以远低于市价的价格卖给儿子的房产,很难视为市价,故而重新判断市价)

 

 

(如非上市股票等交易不频繁时,如交易金额未超过一定或一定比例,亦不认可为市价)

 

 

 

 

 

判断市价的标准

 

 

土地:个别公示地价


公寓:市价评估(共同住宅公示价格,统一市价)


商街大厦:土地(个别公示地价),建筑物(国税厅建筑物标准市价)


单独,多户型(个别住宅公示价格)


存款,存款:截至评估基准日,存款总额 + 应收利息(1-源泉征收税率)


上市股票:估值基准日前后两个月的收盘价平均,最终时点加权)


非上市股票(一般法人)每1股净损益价值 * 3 + (1股单位净资产价值 *2) /5


- 净损益价值:每股3年加权平均净利润 / 10%


- 净资产价值:法人净资产加额/总发行股份数

 

 

 


** 将赠与财产的评估期间从评估基准日前6个月扩大到评估基准日后3个月(`19年2月以后)

 

 

* 继承税和赠与税的比较

 

 

赠与:生前(无偿合同)继承:死亡(财产上法律关系的继承)


赠与:遗产契税方式继承:遗产征税方式


赠与:继承市价原则(补充评价):市价原则(补充评价)

 

 

主要抵扣内容


赠与:配偶6亿韩元,成年子女5000万韩元,未成年子女2000万韩元

继承:配偶抵扣5亿~30亿韩元,一次性抵扣5亿韩元,同居住宅继承抵扣最多5亿韩元,金融财产抵扣最多2亿韩元

 

 

课税标准 (赠与税,继承税相同)


1亿韩元以下:10%


1亿以上~5亿以下:20%


5亿以上~10亿以下:30%


10亿超~30亿以下:40%


超过30亿元:50%

 

 

 

 

 

* 继承是以分享财产的人为基准,对总财产累加,因此财产多的情况下继承税负担重。

 

 

* 赠与是以接受财产的人为基准征税的,因此,由于分散的财产和分散的受赠人,税金可能低廉。

 

 

* 如果分散赠与,则节税效果可能较大;如果长期实行多次赠与,既可实现资产转移效果,又可实现节税效果最大化。

 

 

 


但是继承税具有很大的扣除优惠的优点。 配偶抵扣最多可达到30亿韩元,同居住宅继承抵扣5亿韩元,一次性抵扣5亿韩元,金融财产抵扣2亿韩元等抵扣优惠较大。

 

 

* 继承财产在10亿以下,只有配偶子女的情况下不会发生继承税,因此没有必要进行事前赠与。

继承财产在5亿以下,没有配偶,只有子女的情况下不会发生继承税,无需事前赠与。

 

 

* 继承财产为30亿韩元,其中一部分为事前赠与,其余为继承,这是有利的。 需要仔细观察配偶抵扣后使用。

 

 

* 继承财产100亿以上:通过部分赠与(配偶赠与)进行资产转移,以剩余的继承财产为基础计算继承税后,加入相当于继承税的人寿保险,是否应按继承税财源计算?

 

 

 


* 即使是事先赠与,如果赠与继承人的财产在赠与后不到10年的时间里,被继承人死亡,则将合计继承财产重新征收继承税。

 

 

---因此,高龄或卧病在床的被继承人在做事前证明时要格外小心。

 

 

* 向非继承人赠与的财产,如果在未超过5年的情况下开始继承,则应计算在继承财产上并征收继承税。 在向非优先继承人进行事前赠与时也应考虑到这一点。

 

 

继承人只有第一顺位继承人才适用。 如果有配偶子女,他们就是继承人,儿媳,女婿,孙子,孙女等是非继承人。


如果事前向非继承人赠与,只要经过5年,就不会包括在继承财产中,因此,如果高龄的被继承人实行,效果会比较明显。

 

 

例如,如果被继承人因年事已高而不能生存10年以上,但如果有可能生存5年以上,就可以进行非亲属赠与,而且只要不包括赠与后5年即可继承。


即,认为被继承人只剩下10年以上没有剩余时间的"勉强"或已经向继承人全部进行事前赠与,如果追加的话,需要负担最高税率50%的赠与税的"非继承人"(儿媳妇)。


但是,如果事前赠与给孙子女,则代沟附加税率为30%(最多40%),因此要仔细观察赠与战略。

 

 

 


已赠与的财产未计入继承财产的情形


- 事先接受赠与的继承人在10年内先去世,之后赠与者死亡的情况,赠与财产不计入继承财产。


例如,父亲事先赠与母亲10亿韩元,母亲5年后死亡,3年后父亲死亡,父亲继承的财产中不包括事前赠与母亲的财产。 因为母亲去世,继承税已经成为课税对象。

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Approve ad-sense ads using YouTube

In the last blog, we learned how to approve ad-sense ads using a T-story blog.

This time, let's find out how to approve ad-sense ads using YouTube for those who are strong on video rather than writing.

 


1.First, log in to YouTube with your Google account.

 

Log in to your Google account and access YouTube.

Upload your own video to YouTube.

 

2.My Channel, Movie Manager, Status and Features... Click sequentially!

 


After uploading the video, one of the menus on the left side of the YouTube site is:

Click My Channel to enter the Movie Manager.

 

 

 

 

Select 'Channel' from the left menu and click 'Status and Features'.

 

On the right, you'll see different boxes of configuration items.

Find the "Revenue Creation" box here, click "Use" at the bottom.

Click 'Next' on the next screen to see the screen with the message 'Create revenue'.

 

If you click 'How do I get paid?'

You will find the phrase 'To receive payment, you must connect your ad-sense account to your YouTube account'.

If you click on 'Ad-Sense Account' in blue and click 'Next' on the screen,

The same Google Adsense Approval Application page appears when you apply for approval of an ad on your blog.

From here on, you can use the blog in the previous article to enter your requirements in the same procedure as when you apply for advertising approval, and then click Submit Application

 

3. Connect to the T-story Blog Site

Afterwards, you get the first approval mail from Google AdSense.

Go to the Google Adsense site and click 'Settings' on the left-hand side of the menu.

Then select My Site.

The Site Management screen appears, where you can click + icon on the right to enter your T-story blog address and click Add Site.

At this time, the T-story blog address must be entered without 'http://'.

 

So far, we have finished applying for the second round of Google AdSense ads using YouTube.

After some time, you will be able to receive a second approved mail.

 


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One thing to keep in mind is that...

If you're using a T-story blog to request approval for Google AdSense ads, and then you're rejected, and you're bypassing it on YouTube.

Please note that you must log in with a different account than the Google account you used at the time.


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So we've learned how to apply for Google Asense using YouTube.

You can choose between Google AdSense application method and the optional one through the T-story blog.

Since it's not easy to get approval for Google AdSense ads through your blog, it would be helpful for many of your YouTube videos to choose this round of detour.


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This is an excerpt from page 86 to 90 of the book "Making Money with Google Adsense," so I recommend you buy a book and read it yourself if you don't understand it.

 

利用YouTube认可AdSense广告

上期博客上,我们了解了使用Tstory博客的AdSense广告认可方法。

这次我们来了解一下使用YouTube的AdSense广告认可方法,比文章更注重视频。

 


1.首先用谷歌账号登陆youtube。

 

用谷歌账号登录YouTube后

把带的视频上传到YouTube上。

 

2.我的频道,视频管理者,状态及功能... 依次点击!

 


上传视频后,YouTube网站左侧的菜单中

点击"我的频道"进入"视频管理员"。

 

 

 

 

在左侧菜单中选择"频道",点击"状态及功能"。

 

右侧会看到各种设定项目箱子。

在这里找到"创收"盒子,点击下面的"使用",

在下一个画面中点击"Daum",就会出现"创造收益"的画面。

 

在这里点击'收益如何支付?'

"要想获得贷款,必须将AdSense账户连接到YouTube账户上。"

点击该句中用蓝色标记的"adsense账户"这一部分,从画面中点击"daum",

前面有和申请广告认可时相同的谷歌AdSense认可申请页面。

从这里开始,使用之前文章的博客,按照申请广告许可时的程序输入需要事项,点击"提交申请书"即可。

 

3.Tstory博客网站链接

之后谷歌AdSense发来YouTube广告许可第一封邮件

进入谷歌AdSense网站点击左侧菜单中的"设定"

然后选择"我的网站"。

那么网站管理的画面就出来了,在这里点击右侧的+iKON输入本人的Tstory博客地址,点击"网站添加"即可。

这时,T-Story的博客地址必须输入"http://。

 

至此,利用youtube的谷歌"adsense"广告第二次批准申请已经结束。

现在过一段时间后,就可以收到第二次批准完成邮件了。

 


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有一点要注意

如果利用Tstory博客申请谷歌AdSense广告认可后,因拒绝批准而迂回申请YouTube,

必须用其他账号登录,而不是当时使用的谷歌账号,敬请参考。


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以上是关于使用YouTube的Google Essence申请方法。

与通过日前浏览的Tstory博客申请谷歌adsense的方法相比,选择性地说只要两者中的一个就可以了。

通过博客获得谷歌AdSense广告认可并非易事,因此本人的YouTube视频的订阅者人数较多,选择这种迂回的方法会有所帮助。


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本内容摘录自《用谷歌AdSense赚钱》一书第86页,内容相当于90页,不理解的部分建议您购书后直接阅读。

 

 

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What to do if you don't get a copy of a T-story blog temporary

 

I fell asleep yesterday while writing a long message on my T-story blog. I definitely pressed "Save temporarily" to sleep, but I pressed the "Save temporarily" menu in the upper right corner to write today, but I couldn't hide my embarrassment because it didn't activate.

 

They automatically call in a temporary saved article, and that's up to 10...I heard that the temporary saved article will be kept for 30 days from the date of storage, but I thought that I still need time to learn and adapt to the T-story blog since I can't get it from yesterday.

When I did Google, I saw a lot of other bloggers leaving information about how to solve the problem if I didn't get a draft of a temporary saved article.

With a sigh of relief that it wasn't just my problem,

With the tenacity to recall the temporary storage, I began to search for several blogs by concentrating so hard that I could do it in less than five minutes.

The following is a brief summary based on the successful draft of temporary storage, so I hope it helps those who have difficulties.


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1. Cause: Adobe Flash Player is not working properly.


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Why can't I get a temporary save on a T-story blog?

I found out that Adobe Flash Player is not working properly.

 


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2. Action Step 1: First, you must change the settings of the chromium site.


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Click on the three dots in the upper right corner of the Chrome site.

Click the Settings menu, and then enter Advanced Settings.

Additional features available in Advanced Settings, click Content Settings.

 

Set it to Flash first, as shown in the image below.

Click Add to the right of the site that you want to allow.

And the T-story blog address that didn't get the message I saved temporarily.

Complete the settings if you type it.

The T-story blog address. tistory.com

(You do not need to enter http:// here.)

 

 


If you've followed us this far, you've done a very good job of changing your Chrome Site settings.


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3. Action Step 2: Let's activate Adobe Flash Player.


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Now go back to the T-story blog that was a problem and write.

So, at the top right, it looks like a human being.

A small icon in Adobe Flash Player pops up.

Please click on the icon, click on 'All plug-ins run this time' and confirm.

This activates the number of temporarily saved articles, and can be recalled.

That's a success.

(If you don't have an Adobe Flash Player program on your PC, please download the program first.)

 

I'll add one thing

If additional blogs don't have temporary storage capabilities,

Please add your blog address in the Chrome Site Setup step 1 above.

 

We've looked at activating the T-story blog 'Save temporarily' feature.

It takes some time, but it's a lot of fun trying to figure it out one by

Thank you very much.

 

Tstory博客临时保存的文章不被叫来时的解决方法

 

昨天在Tstory博客写长篇文章时睡着了。 明明是按了临时存储器睡觉的,今天想写文章,按了右上角的临时存储菜单,但是因为不能激活,出现了无法掩饰困惑的情况。

 

自动呼唤临时存储的文章,最多也有10个...听说临时保存的文章也会从保存之日起保存30天,但是昨天写的文章却无法传到网上,这让我产生了'看来还需要对Tstory博客的学习和适应时间'的想法。

通过Google Ling,发现在无法传回临时保存的文章时,其他博客也留下了很多关于解决方法的信息。

不是我一个人的问题

在一定要在5分钟内完成临时保存的文章的执著下,开始集中阅读各种博客。

以下内容以刚才成功叫来临时储存的内容为基础,简单整理而成,希望对有困难的人有所帮助。


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1,原因:Adobe Flash player没有正常驱动,原因呢。


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Tstory博客的临时存储文章不能引来的理由

发现是因为Adobe Flash player无法正常运转。

 


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2,措施第一阶段:首先,要改变Chrome网站的设置。


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请点击Chrome网站右上角的3个点的菜单。

点击设定菜单,甚至进入高级设定。

增加高级设置中可设定的功能,请点击内容设置。

 

如下图所示,请设置为Flash优先确认,

点击允许的网站右侧的追加。

还有临时保存的文章没有传过来的Tstory博客地址

输入即可完成设定。

Tstory博客地址。 tistory.com

(此处 http://无需填写。)

 

 


如果跟到这里的话,Chrome网站设定变更做得非常好。


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3. 措施第2阶段:让Adobe Flash player活跃起来。


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现在再回到曾经成为问题的T-Story博客,尝试写作吧。

那么,右侧上端的人形一样(就像拼图一样)

Adobe Flash player的小图标。

请按下相应图标,点击"仅此一次所有插头式执行"并确认。

这样,之前临时存储的文章数量变得活跃,可以叫出来。

做到这一点就是成功。

(如果本人PC没有Adobe Flash player程序,请先安装程序。)

 

再来一个,

如果追加运营的博客上也不具备临时存储功能,

在上述措施第一阶段Chrome网站设置中,请添加相应博客地址即可。

 

以上我们来看一下Tstory博客"临时存储"功能的激活。

虽然需要一点时间,但是有能一一解决的蜂蜜酱。

谢谢。

 

 

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