KB Pay Quiz October 30th Answer 'Accommodation Sale' & Star Quiz '0.01 Gram'! (ft. 'Accommodation Festa' Pro Tips, 'Gold Banking' A to Z)
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Folks! Folks! 😲 October 30th, Thursday morning has dawned!
As autumn deepens, isn't it only natural to want to whisk away somewhere? 🍂✈️
Today's KB Pay Quiz seems to have read our minds, bringing **'accommodation discount'** pro tips!
"I want to travel, but gold prices are also rising..." 💰
Just in time, the KB Star Banking Quiz is about **'gold investment'**!
Today's quizzes are too good to just get the answers and move on, they are full of **'real-life pro tips'**! Not just the answers! I'll completely compile everything, including useful information that can help protect your wallet, in over 1500 characters! 🚀
October 30th, Thursday! I'm sharing the answers to today's KB Pay Quiz and Star Quiz 'as fast as possible'!
The fun of solving quizzes and accumulating points every day! Today's quizzes contained really useful information for daily life, too valuable to just get the answer and move on. 🤓
For those who have travel plans or are interested in 'gold investment', pay more attention to the TMI pro tips in this post than just checking the answers! It's packed with information that can greatly help you manage your finances! 😉
1. KB Pay Today's Quiz: "Let's Travel!" 🏨 (October 30th)
First, it's KB Pay Today's Quiz! Here's a welcome pro tip for those planning trips. It's a question related to government support for domestic travel.
❓ Today's Question:
Which of the following is the correct period for the issuance and check-in for KB Pay Travel's 2025 대한민국 숙박세일 페스타 '겨울편' (Korea Accommodation Sale Festa 'Winter Edition')?
✅ Answer: 2025.11.3(Mon)~12.7(Sun)
💡 [Answer Explanation & 'Real' Travel Pro Tips!]
The answer is **'2025.11.3(Mon)~12.7(Sun)'**! (November 3rd is just around the corner!)
- What exactly is 'Accommodation Sale Festa'? 🛌
'Korea Accommodation Sale Festa' is a **campaign to boost domestic travel** organized by the government (Ministry of Culture, Sports and Tourism) and the Korea Tourism Organization! Simply put, it's an **"event where discount coupons are distributed for booking domestic accommodations"**. 💰 The aim is to revitalize domestic tourism and boost local economies. - Why would KB Pay ask this? 🤔
Because **KB Pay (or KB Kookmin Card)** is a **participating company** in this 'Accommodation Sale Festa'! Participating companies issue government-supported discount coupons and may also provide additional discounts or payment benefits themselves.
(Key Pro Tip!) Starting November 3rd, you'll be able to download **government-supported discount coupons (usually 30,000 KRW or 50,000 KRW)** from the **'Travel' tab** within the KB Pay app or related event pages. And when you use these coupons to book accommodation on online travel platforms partnered with KB Pay, such as 'Yeogi Eottae', 'Yanolja', or 'Gmarket Travel', there's a very high possibility of **'KB Pay additional discounts'** or **'KB Kookmin Card billing discounts'** being applied on top! 😲 By utilizing it well, you can book accommodation at a much cheaper price. - Conclusion: Today's quiz was an advertisement hinting at useful information: **"Folks! On November 3rd, get accommodation coupons via the KB Pay app and go travel in winter!"** ✈️ For those who had winter domestic travel plans, set a reminder for the KB Pay app on November 3rd! Good accommodations can be booked up quickly, so fast booking is essential.
2. KB Star Banking Star Quiz: "One Don of Gold? No, 0.01 Gram!" ✨ (October 30th)
Next up is the KB Star Banking Quiz! As gold prices are fluctuating again, interest in gold investment is growing. This quiz is timely, focusing on 'gold investment'!
❓ Today's Question:
What is the minimum trading unit for a gold investment account?
✅ Answer: 0.01 gram
💡 [Answer Explanation & 'Gold Banking' TMI!]
The answer is **'0.01 gram'**!
"What? You buy gold in units of 0.01g?" 🤯 Yes, that's right! This is one of the biggest advantages of bank 'gold investment accounts' (also known as 'gold banking'). Gold investment is no longer just for the rich!
- What exactly is 'Gold Banking'? 🏦
When thinking of 'gold investment', it's easy to imagine 'buying gold bars from a gold shop'. This is **'physical gold'** investment. (It's expensive due to a 10% VAT + approximately 5% commission 😥). Another option is investing through the 'KRX Gold Market' via a securities firm.
However, **"I want to accumulate gold like saving money in a bank account!" ➡️ This is 'Gold Banking'!**
When we deposit **cash (Korean Won)** into a bank, the bank applies the **real-time international gold price + exchange rate** to that money, and converts it into **gold weight (g)** to 'accumulate' in your account! For example, if you deposit 100,000 KRW, approximately 1.05g of gold would be accumulated in your account according to the current gold price. Later, if the gold price rises, you can sell the 1.05g of gold and get more cash (Korean Won). - Why is the minimum unit '0.01g' important? 🔑
Currently, 0.01g of gold, based on the market price... is roughly **1,000 KRW**! This means **"you can start investing in gold by saving the cost of just one cup of coffee!"** It significantly lowers the barrier to gold investment, making it accessible even with small amounts. You can even automatically buy gold with a fixed amount (e.g., 100,000 KRW) every month, like a savings plan. The key advantage of gold banking is that you can **'consistently'** invest in gold with a **'small amount'** to grow your assets! - 🚨 (Important!) Pros and Cons of 'Gold Banking'!
Gold investment isn't always advantageous. It's important to be aware of the pros and cons before investing.- 👍 Pros:
- Small-sum Investment: You can freely buy and sell in units of 0.01g (approx. 1,000 KRW), which is less burdensome.
- Convenience: You can trade easily through an app, like regular savings/deposits, without needing specialized knowledge like for stocks or complex derivatives.
- 10% VAT Exemption: As long as you don't withdraw it as 'physical gold', the 10% VAT applied when buying gold is exempted! (Same tax benefit as KRX Gold Market!)
- 👎 Cons:
- Tax on Trading Profits (15.4%): Profits earned from the increase in gold prices (trading profits) are subject to a **15.4% dividend income tax**! (This is the biggest difference from the KRX Gold Market, where trading profits are tax-exempt!)
- Fees (Spread): A price difference (similar to an exchange rate fee) occurs when buying and selling gold. (Usually 1-2%)
- No 'Deposit Protection' ❌: Gold banking is an 'investment' product, not a 'deposit'! If the bank goes bankrupt, your principal is not protected! (Of course, the chances of KB Kookmin Bank going bankrupt are extremely low... 😅)
- 👍 Pros:
[Conclusion Summary]
KB Star Banking 'Gold Investment Account' is an optimized product for those who think, **"I'm willing to pay the tax (15.4%), but I want to easily accumulate small amounts of gold like a deposit!"** It's important to carefully choose based on your investment tendencies and goals.
3. 'AppTech', Consistency is Key! (KB Pointli Utilization Tips)
If you answered both quizzes correctly today, valuable KB Pointli should have been accumulated. Participating consistently in 'AppTech' like this every day brings small but certain pleasure, along with smart financial habits!
How to Utilize KB Pay & KB Star Banking AppTech Features:
- Today's Quiz: Earn Pointli by participating in 1-2 quizzes daily on the KB Pay and KB Star Banking apps! You can accumulate points every day with a small time investment.
- Attendance Check: Just by visiting each app daily, you can receive a certain amount of Pointli or points in the form of a random box!
- Payment Rewards: When paying with KB Pay online/offline, utilize promotions that offer additional Pointli accumulation or discount benefits at specific merchants!
- Free Open Banking Transfers: You can transfer money to other bank accounts without fees through KB Pay. Even small fee savings add up to a significant amount in the long run!
- Various Events: Regularly check the 'Events' tab within each app to not miss out on opportunities to earn additional points or prizes! (Like today's 'Accommodation Sale Festa'!)
'KB Pointli', Where Can You Use It? (Equivalent to Cash!)
KB Pointli has a value of **1 Pointli = 1 KRW in cash**, and it can be utilized in various useful ways. You can virtually think of it as cash!
- Card Payment Deduction: One of the most common ways to use it, you can use your accumulated Pointli to pay your KB Kookmin Card bill. (Full or partial use available.)
- Conversion to Partner Points: You can expand its use by converting it to points of various affiliated companies such as Naver Pay, SSG Money, L.Point, Happy Points, etc. It can also be converted to Asiana Airlines or Korean Air miles.
- ATM Cash Withdrawal: If you have 10,000 Pointli or more, you can withdraw it directly as cash from any KB Kookmin Bank ATM nationwide without using a physical card! 😲
- Deposit to Your Account: If you have a KB Kookmin Bank account, you can transfer your Pointli as cash to your own account via the app.
- Gifting: You can also gift Pointli to friends or family. This can be a way to send a small gift and show you care.
- Bill Payment and Shopping: You can use Pointli to pay utility bills (like telecom fees, apartment management fees) within the app, or use it to purchase items at KB Pay Shopping, etc.
As such, KB Pointli is a very useful asset that can be used like cash in various aspects of daily life, so accumulate it steadily through consistent AppTech!
Today's KB Pay and KB Star Banking quizzes answers confirmed! 🥳 We got the answers right and gained useful common knowledge about the November 'Accommodation Sale Festa' and the pros and cons of 'Gold Banking'! It was truly a rewarding AppTech session. 😊
Have a great day, and I'll be back tomorrow with fast and accurate quiz answers! 👋 Let's turn small earnings into a mountain through consistent AppTech!
Have you used 'Gold Banking', folks? 🤔 Do you have any travel plans for this Accommodation Festa? Share your thoughts and experiences in the comments! 👇
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