2025 UK Snow Damage: What Home Insurance Really Covers This Winter

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UK Home Insurance 2025: What Snow & Winter Storm Damage Really Covers UK Home Insurance and Snow Damage: What’s Actually Covered During a Winter Storm? TL;DR Summary Most UK home insurance policies cover sudden winter storm damage, such as roof collapse, fallen branches and burst pipes. Gradual damage, poor maintenance, old roofs and slow leaks are commonly excluded. Document the incident, prevent further damage and contact your insurer quickly to support a successful claim. Winter storms in the UK are becoming more unpredictable, causing heavy snow, freezing rain and sharp temperature drops. These conditions can lead to roof damage, burst pipes, leaks and fallen trees—prompting thousands of insurance claims each winter. However, many homeowners discover too late that certain types of damage are not covered unless specific conditions are met. In 2025, UK insurers have updated several policy definitions around storm damage, escape of ...
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Overseas Creator Earnings & Tax Guide 2025 (YouTube · TikTok · Blog)

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Overseas Creator Earnings 2025: How to Receive & Report Taxes for YouTube, TikTok, and Blogs

Overseas Online Platform Creators: Receiving Income & Handling Taxes (YouTube · TikTok · Blog)

Monetizing content across borders is common for Korean creators and global freelancers alike. This guide consolidates the latest, officially confirmed rules on getting paid by YouTube/AdSense and TikTok, how U.S. tax withholding works for non-U.S. creators, and key Korean tax and remittance obligations—so you can move funds home cleanly and stay compliant.

1) Getting Paid by Platforms

Google AdSense & YouTube (Blogs + YouTube Partner Program)

  • Payment thresholds: AdSense uses currency-specific thresholds (USD: verify at $10; payout at $100).
  • Where the money comes from: AdSense/YouTube pays via your Payments profile once thresholds are met.

TikTok (Creator Rewards Program)

  • Program basics: Rewards depend on qualified views and RPM.
  • Payout methods & timing: In Korea, payouts via PayPal within ~72 hours.
  • Eligibility (2025): Age 19+, 10k followers, 100k views in 30 days, 1-min videos.

2) U.S. Withholding on YouTube Income

Google withholds U.S. tax (0–30%) for non-U.S. creators’ earnings from U.S. viewers. Submit valid tax info (W-8BEN/W-8BEN-E) in AdSense to avoid default 24% global withholding.

3) Korean Tax Filing for Overseas Platform Income

Include all foreign-source creator income in the annual Global Income Tax Return (May 1–31). Keep platform statements and remittance proofs. Foreign tax credits may apply for U.S. withholding.

4) Remitting Earnings into Korea

  • FX reporting: Annual remittances > USD 10,000 reported to NTS via banks.
  • CTR: Cash transactions ≥ KRW 10M reported by banks to KoFIU.
  • Overseas accounts: Report balances > KRW 500M at any month-end by June next year.

5) Practical Workflow

  1. Submit W-8BEN/W-9 in AdSense or TikTok Rewards.
  2. Choose payout (bank or PayPal) and save receipts.
  3. Report income in Korea and claim credits if applicable.

Key Takeaways

  • AdSense: Verify $10, payout $100. TikTok: PayPal Korea supported.
  • YouTube U.S. withholding: 0–30% with valid tax info; up to 24% if missing.
  • Korea: File in May, report KRW 500M+ foreign accounts, watch FX rules.

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