An instruction manual for tax return filing

Look out for the green envelope from the Inland Revenue Department (IRD) requesting that you file your tax returns in the months of May and June. After the notification is issued, these returns must be filed within a month (a one-month extension will be granted automatically if the return is filed online). Even seasoned taxpayers, as well as newcomers to the job, could have worries about the paperwork and reporting due to the approaching deadline. Allow us to provide you with a quick overview of salaries tax and important considerations for submitting your return.

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The income tax on workers

Put simply, salary tax must be paid by those hired to fill jobs generated in Hong Kong or derived from it. The “letting value” of the housing supplied by employers, as well as the pensions received by retirees, commissions, bonuses, and discretionary awards that workers get, are all subject to taxation. Tax is only due on the amount remaining after certain deductions and exemptions are applied, assuming you qualify for them.

Most workers are subject to progressive tax rates

The amount of salary tax that must be paid is determined by either a standard rate (which is subject to deductions but not allowances) on the income you make during the tax year, which runs from April 1 to March 31 of the following year, or by progressive rates based on net total income (after deductions and allowances), whichever is lower.

The tax computed using the progressive tax rates is less than the normal rate for the vast majority of working people. Employee taxes are therefore often assessed at a progressive rate. High income individuals are often subject to the standard rate.

The tax return will be mailed by the IRD in May or June.

It is necessary for employers and workers to submit their assessments to the IRD independently. Employers are required to disclose the employee’s income and personal details to the IRD by submitting the Employer’s Return of Remuneration and Pensions. A copy of this report will be sent to you by your employer. Once you have the information, check it.

Employee tax returns are typically mailed out by the IRD in May or June. However, you can obtain the tax return later if you have recently entered the employment. You do not have to file your tax return or pay salary tax if your income is less than the allowable amounts. You must still file your return within the allotted time even if you get the tax return from the IRD. To save time and file your tax return online effortlessly, you can apply for the IRD’s eTax Account.

What costs are exempt from taxes?

The following are all deductible: costs associated with self-education, authorized charity contributions, required payments to recognized retirement plans, interest on home loans, costs associated with providing residential care for the elderly, qualifying premiums paid under policies covered by voluntary health insurance schemes, qualifying annuity premiums and tax-deductible MPF voluntary contributions, deductions for domestic rentals, etc. The papers do not have to be included to your tax return when you claim for the deductions; nevertheless, you must retain them for a minimum of six years in case the IRD requests that you present them.

Remember to submit your allowance claims.

You are entitled to a basic allowance for each tax year, which is provided immediately and doesn’t need to be claimed. Furthermore, you are eligible to receive family and dependant allowances. These include the allowance for a married person, a kid, a dependent brother or sister, a dependent parent, a dependent grandparent, a single parent, and a disabled dependent. It is not necessary for you to send the tax return and supporting documentation with the claim. But you should hold onto that proof in case it comes up for validation.

Reduction of taxes

Although the government has been granting tax reductions for the previous few years, they are not permanent measures.

Please refer to the allowances, deductions, and tax rate table released by the IRD for further information about tax reduction, deductions, and allowances.

Getting ready to pay your taxes

To find out how much you will have to pay, use the IRD’s Tax Calculator.

The Demand for Salaries Tax is typically released by the IRD in the second part of the year. Tax payments are often made in two installments: the first in January and the second in April.

You may use the Savings Goal Calculator to meet your savings goals and set aside a certain amount of money each month to help with tax preparation. An alternative is to employ tax reserve certificates issued by the government to accumulate funds for paying taxes.

What is Woodworking: An introductory manual for beginning woodworking

Woodworking encompasses an infinite variety of crafts and hundreds of years of skill, from creating chairs to cabinets. There’s a lot to discover and learn about, including the many kinds of woods, how to deal with them, and the endless design possibilities. Here, we will go over the fundamentals and provide step-by-step instructions on how to begin woodworking.

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What does woodworking entail?

Making beautiful and functional items out of wood, such as bowls, exquisite tables, cabinets, and other items, is known as woodworking. It includes methods such as joinery, woodturning, and wood carving. Basic woodworking abilities are rather easy to master, and you will acquire new skills with each job.

One of the earliest materials that early people utilized for tools and utensils was wood, and the evolution of several facets of contemporary human existence is directly linked to the usage of wood. It is known that early civilizations made a variety of objects out of wood, including chairs, coffins, hunting equipment, jars, and idols.

As woodworking has developed as a craft, so too has society. Although the principles are still essentially the same, woodworkers are utilizing contemporary technology to construct new tools and equipment and produce increasingly complex projects.

Term used frequently in woodworking

There are several terms that you may hear when you are first starting out in woodworking and they stand for popular approaches. A dictionary of key phrases for beginners in woodworking is provided here.


The technique of jointing wooden boards involves getting their edges ready for glueing them to another board. It is frequently applied to angled connections as well as flat surfaces.


Using a planer machine or manual tool, planing is the process of smoothing and removing extra material from hardwood surfaces.


Wood is shaped, chopped, and trimmed during the routing process. The method uses a router, a device that is frequently used to cut grooves in furniture and cabinets, to generate completed edges and forms.


Sawing down the wood is the first step in almost all woodworking projects. Saws come in a wide variety and are utilized for a variety of tasks.

Handsaws don’t need a power source, are lightweight, and are portable. They have a range of blade types and come in several sizes and styles.

Circular saws are lightweight, portable, and effective. When they are cutting straight lines through wood, they are quite effective.

Table saws are accurate, swift, and multipurpose. The material to be cut travels over the table, exposing the blade that is located beneath the work surface. For accurate cuts, you may quickly change the depth and angle of the blade.

Chainsaws are lightweight saws that run on gasoline, electricity, or batteries and are used to cut wood using a chain. For shaping a project or obtaining wood while falling or trimming trees for the material, it works well for preliminary rough cuts.

Bandsaws are excellent tools for cutting rounded edges, curves, complex forms, and other objects. Depending on the size of the stock you intend to cut and the complexity of your project, they are available in a variety of sizes.

Jigsaws are driven by electricity and may cut in an up-and-down or back-and-forth motion. They work well when cutting circular shapes and curves because of the small blade.


By employing a drill bit and drill, drilling makes holes in the wood. The drill bit may be rotated clockwise or counterclockwise using the drill driver. The size of the hole you need to make, the material you’re dealing with, or the bit’s speed will all affect what kind of drill bit you choose. There are 47 distinct sizes of common drill bits, and the variety of sizes varies greatly.


Wood may be joined by glue to form a bigger piece by joining two or more pieces together. When two wood pieces are correctly bonded together, the glued junction becomes stronger than the individual wood components.


Sanding is a finishing method that uses sandpaper to smooth the wood’s surface. Woodworkers frequently begin their sanding process with a medium grit and proceed to a finer grit for completion.


Finishing is the process of applying a surface finish or penetrating finish to a wooden surface in order to protect or refine it.

Overview of woodworking instruments

To cut, shape, join, and finish items, woodworkers employ tools. Every tool comes in a variety of forms, and the one you select will largely rely on the kind of project you want to work on. These are some of the most typical tools and supplies you’ll need when you first begin working with wood.


Almost all woodworking projects begin with a saw. There are several varieties designed for various materials, tasks, and other uses. A handsaw is incredibly portable and runs with no electricity. Electrical saws range in size from robust table saws to more portable circular saws.


The kind of cutting that saw blades are used for is one of their main differences. When it comes to cutting along the direction of the grain, coarse teeth work best. In order to cross-cut perpendicular to the grain, finer toothed saws are utilized.


Drills can be mechanized or hand-cranked, based on the size of the task. You could choose to utilize a drill that runs on batteries if you are working on a little project without access to electricity. You can get a drill press if the work you do demands greater force and the drilling of deeper holes.


Clamps are a basic equipment in the woodshop and are required for joinery. They are excellent as extra hands to keep your object in place or as vises. The size and scope of the task at hand will determine the kind of clamp you use.


When shaping and cutting away solid hardwood material, chisels—which have a handle and a pointed metal blade—are frequently used in conjunction with a mallet or hammer. There are several uses for different types of chisels. Mortise chisels are thick, hefty, and perfect for chipping away at hardwood, whereas paring chisels are lightweight and never bend.


Flat surfaces may be smoothed and superfluous material removed with planers. While hand planers are handled by hand and concentrate on smaller portions at a time, power planers are electrical and have the ability to swiftly plane a vast surface area.


Sandpaper is used by sanders to smooth the wood’s surface. Sandpaper is often applied in a series of grits, starting with a bigger grit and ending with a finer grain. For quick tasks involving big surfaces, power sanders are an excellent choice; hand sanding is recommended for smaller chores.

A manual on licensing for mortgage brokers

Do you want to work as a mortgage broker? This comprehensive tutorial explains how to obtain a mortgage broker license in the United States.

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What are the duties of mortgage brokers?

Mortgage brokers represent customers by acting as middlemen between lenders and borrowers, negotiating the best terms and rates. This is not the same as a mortgage loan officer, who usually represents the lender. Examining the income records and credit history of your clients will take a lot of your time as a broker.

Making sure your customer can afford to repay the mortgage without having to live paycheck to paycheck is one of the main duties of a mortgage broker.

Typically, mortgage brokers collaborate with hundreds of mortgage lenders to identify house loan options that satisfy the budgetary requirements of their customers. That’s not the same as being a mortgage loan officer, who carries just items that their financial institution provides and often promotes the bank or lender they work for.

A typical mortgage broker works with at least thirty mortgage lenders. This implies that you will need to become acquainted with each of them if you decide to become a broker. Why? must possess the quick thinking necessary to identify the finest lending solutions for your consumers.

A career in mortgage broking is quite similar to one in sales. Working with customers who are considering buying a property is something you do frequently. As a mortgage broker, it is your responsibility to guide them toward a mortgage that suits their demands for housing and financial status.

How can I obtain a mortgage license in the US?

A college degree is not required in order to obtain a US mortgage license. Furthermore, everyone is started on an equal basis. You must fulfill the licensure standards set forth by your state and pass the same examinations.

Generally speaking, obtaining a US mortgage broker license requires six steps:

Obtain a GED or high school diploma.
Attend pre-licensing courses.

ace the NMLS test

Create and register a mortgage brokerage.

fulfill the conditions for a mortgage broker license in your state.

Continue to hold your license and get extra brokerage training

To help you understand the prerequisites for obtaining a US mortgage broker license, let’s take a deeper look at each:

1. Obtain a GED or high school diploma.

A high school graduation is required, but a college degree is not required to work as a mortgage broker. In the event that you lack a high school diploma, you can obtain your General Education Development (GED) by passing all four tests with a score of 145. In the event that you did not complete a traditional high school education, your GED is your official certificate.

2. Attend pre-licensing courses

The Secure and Fair Enforcement Act (SAFE), which mandates that all states license mortgage loan originators, must be followed in order to get ready for licensure. (Title V of the Housing and Economic Recovery statute of 2008 is another name for this statute.) You must get a single license from the Nationwide Multi-State Licensing System and Registry (NMLS) in order to do this.

3. Obtain a passing NMLS score

Once your personal preparation and pre-licensing classes are finished, you will need to pass the NMLS tests, which are also referred to as the SAFE exam. You are being tested in the following key areas.

4. Create or sign up for a mortgage brokerage

You need to register your mortgage brokerage as a legal business in your state after passing the NMLS exam. The US Small Business Administration (SBA) has provided these registration processes.

5. Fulfill the conditions of your state’s mortgage broker license.

Obtaining a company license to operate in your state is the next step towards obtaining a mortgage broker license. Although each state has its own set of criteria and expenses for licensing, you should budget between $1,000 and $2,000 for both your initial application and your yearly license renewal.

6. Keep your license current and get further brokerage training

You are now able to practice your profession in your state of registration with your NMLS license. Among other partners, you will want to establish and nurture relationships with lenders and real estate brokers at this latter stage of the process.

You must renew your license annually in order to keep it in effect. You may do this by going through the NMLS portal and paying the renewal price. It is advisable that you complete the yearly training hours mandated by your state.

You may improve your understanding of the mortgage sector by taking optional courses and earning certifications to receive further brokerage training. These can also help you appear more credible and confident to potential clients.

In Florida, do mortgage brokers require a license?

Indeed. To begin their practice, mortgage professionals in the state of Florida must get a mortgage broker license. The organization in charge of regulating mortgage broker licensure in the state is the Florida Office of Financial Regulation (OFR). The NMLS is in charge of the actual process of obtaining a mortgage broker license in Florida—or any other state, for that matter.

What is the cost of a California mortgage broker license?

The California Department of Real Estate states that the cost of a mortgage broker license in California is $300. In contrast, there is no fingerprint charge and the examination fee is $95. This indicates that the total cost of obtaining a California mortgage broker license will probably be $395.

What is the salary of a licensed mortgage broker?

You probably want to know how much money a mortgage broker makes if you’re thinking about becoming one. According to ZipRecruiter, the average salary for a mortgage broker in the United States is little over $84,000 annually. Although that amount is the mean, annual incomes for mortgage brokers have been documented as high as almost $119,000.

Mortgage brokers are compensated by lenders or by the borrower. Brokers are generally free to choose how they wish to be paid.

You may choose to impose a commission on each house loan that you finalize, for example. An origination fee, also known as a yield spread premium (YSP), is an additional alternative. A yield spread premium is the compensation that a bank or lender offers in return for an above-market mortgage rate.

Mortgage brokers play a crucial role in the mortgage market by serving as middlemen between lenders and borrowers, enabling their customers to realize the goal of becoming homeowners. To make that happen, mortgage brokers search for the best mortgage terms and rates on behalf of their clients. Obtaining a mortgage broker license has numerous advantages, but it may also be a difficult procedure.

Everything you should know about hair tattoos for hair loss – Health Center by Manual

Within thirty seconds

In order to give the illusion of better coverage and more hair density, a hair tattoo technique, also known as scalp micropigmentation, is a minimally invasive cosmetic surgery that involves creating thousands of ink dots over thinning scalp regions using a small needle. Although there are certain dangers associated with the operation and no real hair growth, if all other choices have been explored or you like the permanent buzz cut look, it can be a great remedy for hair loss.

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What do hair tattoos for thinning hair mean?

Though technically any form of ink applied to the scalp qualifies as a “hair tattoo,” we are particularly referring to hair loss treatments here. In this sense, the relatively new therapy for hair loss is known as scalp micropigmentation, or SMP.

As a cosmetic medical operation, scalp micropigmentation is best envisioned in a clean clinic rather than a seedy tattoo shop. A skilled practitioner will apply pigment dots to the scalp in the shape of real hair follicles using a tiny, thin needle during this operation.

Scalp micropigmentation can provide the illusion of a bigger head of hair, higher hair density, and wider coverage over the scalp while still producing a very natural-looking outcome, similar to a buzz cut or near fade. Although hair tattoo therapy is a relatively new treatment option, there are certain things to be aware of, even if it’s used to treat a number of illnesses.

For whom is hair tattooing beneficial?

By simulating a complete head of hair, hair tattoo techniques are mostly used to treat male pattern baldness-related hair loss. Moreover, scalp tattoos can be used for:

Aim for particular bald areas

Fight the onset of noticeable hair loss

To address thinning hair, make your appearance thicker.

Use a hairline tattoo to stop a receding hairline.

Hide abnormalities of the hair and scalp, such as alopecia scars or hair transplant scars

For those who are experiencing hair loss, scalp micropigmentation has the ability to yield life-changing outcomes by providing natural-looking hair covering that boosts self-esteem and confidence. However, like with conventional tattoos, you’ll need to be aware of the hazards and be ready.

How is the process of scalp micropigmentation carried out?

Prior to getting a hair tattoo

It’s wise to talk about your alternatives with an expert before you get started. If our FAQ section doesn’t address your concerns, they’ll be able to! They’ll also be able to design a plan that takes into account your desired coverage and unique hair loss pattern.

Prior to your initial consultation, you must cleanse your hair and scalp.

The front and sides of the scalp will then be marked for treatment by the practitioner. This is your chance to design the hairline of your dreams!

For a more accurate assessment of the color and density of your natural hair follicles, the practitioner may choose to shave your head, depending on your beginning length.

After that, numbing lotion could be administered to your scalp to lessen the pain from the needles.

Because they resemble microscopic hair follicles, the needles are smaller than those used in a typical tattoo machine. hence it ought should hurt less than a typical tattoo session.

While getting a hair tattoo

Your doctor will create thousands of small dots over the targeted scalp area using a needle during the operation. It is accomplished with a pen-like tool that holds a small needle. The needle barely penetrates the scalp’s top dermis layer a few millimeters; it is a rather shallow needle.

The size and form of the dots will vary somewhat, and there will be enough space between them to permit adequate healing. It may take many hours to perform the entire hair tattoo procedure if you require total scalp covering due to severe hair loss.

Following the hair tattooing process

A scalp tattoo needs less anesthetic and followup than hair transplant surgery. There could be some swelling and redness, but they should be tolerable. You can consult your doctor about aftercare instructions.

While it’s crucial to keep the area tidy and loosely covered, for a few days stay away from strong chemicals, tight headgear, and bright sunshine. Sunlight is particularly significant since it can smudge and obscure the pigments and have an impact on healing.

In order to allow for adequate recovery, the scalp micropigmentation procedure is typically done many times over a period of several weeks. By gradually filling in thinning areas and, ideally, increasing confidence and covering, each session increases density and volume!

Service Manual: Essential for Upkeep and Repair

A Service Manual: What Is It?

A manufacturer’s document that explains how to operate, maintain, diagnose, and repair a product is called a service manual. Although they were originally printed reference books, manufacturers now frequently offer them online.

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A service handbook, user manual, and repair manual all seem to be roughly equivalent to the average individual. A service manual and a repair manual may relate to the same item at times. On the other hand, an owner’s or user handbook typically refers to a more straightforward user manual. They may be familiar to you as the brief booklets that are included in the package of items you have purchased. They include safety advice, basic instructions, and illustrations.

On the other hand, a service handbook is a comprehensive reference meant mostly for upkeep and repairs. Because they often require some prior expertise to comprehend, technicians are the ones that utilize them the most. Nonetheless, the greatest service manuals are easily understood by everyone, even those without a strong experience in mechanics or repair.

Why Are Repair Manuals Essential?

A nonfunctional product is something that nobody wants. Furthermore, paying for a professional repair while dealing with a defective product is the last thing you want to do. These guides serve as failsafes, providing chances to solve costly problems on your own.

A service manual, whether it is for a laptop, refrigerator, or pickup truck, will have comprehensive instructions and explanations for every component of your device. You can utilize your handbook to figure out what’s going on, what could be wrong, and whether you have the knowledge, resources, and aptitude to solve it yourself.

But not every issue is the same, therefore you might need to call a specialist. Service manuals are very beneficial to experienced technicians. Professionals will know how to use a handbook to augment their expertise and industry knowledge in order to fix your goods, even though they don’t know everything about every product in their sector. You might also perform routine maintenance and preventative care using the information in your handbook if you are adamant about not paying a technician.

The hobbyist is another — maybe underappreciated — user of the repair manual. Are you a tinkerer at heart? Does your garage contain an old, useless automobile taking up space? The first tool you’ll need to restart everything is the service handbook.

To sum up

Product failure is unavoidable, and crises do occur. A service handbook is your best friend in certain circumstances. If there’s a little problem, you can probably figure it out on your own with a handbook. In the event that the issue is significant and you possess some technical expertise, you may nonetheless be able to utilize a handbook to resolve it independently. The handbook will at the very least assist you in assessing the problem’s severity and deciding what to do next.

Service manuals are frequently given out free with a product purchase or can be downloaded for free from the internet. If you are thinking about producing one for your product, be aware that you are condensing a great deal of technical knowledge into a prose that is readable. To ensure that your customers have access to the greatest materials possible, confer with technical writers and subject matter experts.

The Complete Manual for Changing Your Wedding Vows

In a joyful ceremony known as a vow renewal, a married couple confirms their devotion to one another. There is no restriction on when you may have one, although milestone anniversaries—10, 25, or 50 years old—are very popular for them. A vow renewal is an emotional opportunity to honor your love and repeat the commitments you made to each other when you first said “I do,” regardless of how long you’ve been married—a year, a decade, or fifty years. If you’re considering organizing your own vow renewal ceremony, know that with a little help from the pros, you can quickly and confidently organize a joyful celebration of your marriage.

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“The most crucial thing to keep in mind is to avoid getting sucked into the ‘wedding planning’ cycle once more,” advises American Marriage Ministries’ Natasha Anakotta. “Renewing your vows should be a special and meaningful occasion where you fully commit to one another.”

American Marriage Ministries is a nonprofit ministry and wedding authority that offers free officiant ordinations, advocacy, and support to friends and family who want to perform legal wedding ceremonies. Natasha Anakotta is the outreach and operations manager of the organization.

Here are some expert-approved suggestions for organizing the ideal vow renewal, along with guidance on how to modify your wedding vows for this unique event.

What Makes a Couple Renew Their Marriage?

Renewing a vow is held for a variety of reasons. Maybe the couple wants to invite more people because they were only allowed to have a modest wedding or elopement. Perhaps they wish to recommit to one other after overcoming an illness, adultery, or other circumstance in their marriage. It’s possible that some couples are so incredibly in love that they want to say “I do” repeatedly. Arranging a surprise vow renewal for your significant other can be a beautiful way to reignite the romance. It could also be a means of farewell. A couple had a really touching vow renewal at a hospice, replete with cake and flowers. The woman died quietly two days later, having promised to meet her husband in paradise.

When Are Vows Renewed in a Couple?

In the end, it’s difficult to say for sure when you should—or shouldn’t—renew your vows. While some couples find it romantic and pleasant to celebrate their anniversary earlier, others choose to wait until a significant milestone, such as ten or twenty years of marriage. Renewing vows is often the choice made by couples who have overcome a difficult period in their partnership, such as a personal setback or sickness, or who have enough money to host the celebration they previously couldn’t afford.