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Domain > 01haruharu.com
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More information on this domain is in
AlienVault OTX
Is this malicious?
Yes
No
DNS Resolutions
Date
IP Address
2025-09-01
27.0.236.139
(
ClassC
)
2025-11-02
27.0.236.142
(
ClassC
)
Port 443
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top: 0; left: 0; height: 4px; background: linear-gradient(90deg, #1a3b94, #0b1f5e); width: 0%; z-index: 9999;}/style>script>window.addEventListener(scroll, function(){ const docHeight document.documentElement.scrollHeight - window.innerHeight; const scrolled (window.scrollY / docHeight) * 100; document.getElementById(progress-bar).style.width scrolled + %;});/script>!-- Loading Code -->script> function loadImage(){ document.querySelector(#aros-loading).style.displaynone} try{document.querySelector(iframeonload*google).onloadfunction(){ loadImage();} setTimeout(function(){loadImage();},800);} catch(err){setTimeout(function(){loadImage();},800);}/script> div idaros-loading > div classaros-loader> img srchttps://tistory1.daumcdn.net/tistory/5298236/skin/images/loading.gif width500 altloading> /div>/div> !-- Loading Code-->div classtop-class>/div>style typetext/css>@media (max-width: 1024px){ .aros-bottom-menu{ display:flex; } .aros-bottom-menu-search-form-wrapper{ display: block; }} :root{ --arosbottommenu-font-size: 12px; --arosbottommenu-icon-size: 24px; --arosbottommenu-text-color: #555555; --arosbottommenu-h-text-color: #000000; --arosbottommenu-icon-color: #555555; --arosbottommenu-h-icon-color: #000000; --arosbottommenu-bgcolor: #ffffff; --arosbottommenu-zindex: 9999; --arosbottommenu-cart-count-bgcolor: #ff0000; --arosbottommenu-wrapper-padding: 10px 0;}/style> div iddkIndex> a href#dkBody>본문 바로가기/a> a href#dkGnb>메뉴 바로가기/a> /div> div iddkWrap classwrap_skin > div iddkContent classcont_skin rolemain> div idcMain> div idmArticle classarticle_skin> div classlist_content> a href/entry/%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88-%EC%88%98%EC%9D%B5%EB%A5%A0-%EC%99%9C-%EB%82%AE%EC%9D%84%EA%B9%8C-IRP%EB%A1%9C-%EB%B0%94%EA%BE%B8%EB%A9%B4-%EB%8B%AC%EB%9D%BC%EC%A7%84%EB%8B%A4 classthumbnail_post>img src//i1.daumcdn.net/thumb/C148x148/?fnamehttps%3A%2F%2Fblog.kakaocdn.net%2Fdna%2FbmYoiv%2FdJMcaesrRiy%2FAAAAAAAAAAAAAAAAAAAAAPjxOcyLp3PmhzOdGkSRoKKWE10okGYr6F0I0b0_9yk9%2Fimg.png%3Fcredential%3DyqXZFxpELC7KVnFOS48ylbz2pIh7yKj8%26expires%3D1764514799%26allow_ip%3D%26allow_referer%3D%26signature%3DiLYRieBNrdRp9fP7MyQfSANPOL4%253D>/a> a href/entry/%ED%87%B4%EC%A7%81%EC%97%B0%EA%B8%88-%EC%88%98%EC%9D%B5%EB%A5%A0-%EC%99%9C-%EB%82%AE%EC%9D%84%EA%B9%8C-IRP%EB%A1%9C-%EB%B0%94%EA%BE%B8%EB%A9%B4-%EB%8B%AC%EB%9D%BC%EC%A7%84%EB%8B%A4 classlink_post> strong classtit_post>퇴직연금 수익률, 왜 낮을까? IRP로 바꾸면 달라진다/strong> p classtxt_post>안에 붙여넣기 하면 됩니다 --> 퇴직연금 수익률, 왜 이렇게 낮을까요? 💸매달 꼬박꼬박 쌓이는데 막상 수익률은 1~2%대에서 멈추는 경우가 많죠. 오늘은 수익률이 낮은 구조적 이유와, IRP(개인형퇴직연금)로 전환했을 때 실제로 무엇이 달라지는지 간단하고 실전적으로 정리해볼게요.핵심 요약부터 말하면, “제도보다 운용 태도”입니다. 예금형 위주에서 벗어나 분산·리밸런싱을 적용하고, 계좌를 내가 직접 관리하면 수익률의 체감이 확 달라집니다. 📉 왜 퇴직연금 수익률이 낮을까?1) 예금형/채권형 중심 운용 구조예요. 안정성은 높지만 장기 수익률이 낮게 형성될 수밖에 없죠.2) 방치된 계좌가 많습니다. 시장이 바뀌어도 비중 조정(리밸런싱)을 안 하면 결과가 정체돼요.3) 수수료도 무시 못 합니다. 연 보수../p> /a> div classdetail_info> a href/category classlink_cate>카테고리 없음/a> span classtxt_bar>/span> 2025. 11. 2. 10:39 /div> /div> /div> div idmArticle classarticle_skin> div classlist_content> a href/entry/%E2%80%9C%EC%86%8C%EC%83%81%EA%B3%B5%EC%9D%B8%C2%B7%ED%8A%B9%EA%B3%A0%C2%B7%ED%94%84%EB%A6%AC%EB%9E%9C%EC%84%9C-%EB%8C%80%EC%83%81-%E2%80%98%EC%9E%85%EC%9B%90%EC%83%9D%ED%99%9C%EB%B9%84%EC%A7%80%EC%9B%90%EA%B8%88%E2%80%99-%EC%99%84%EC%A0%84%EC%A0%95%EB%A6%AC%E2%80%9D classthumbnail_post>img src//i1.daumcdn.net/thumb/C148x148/?fnamehttps%3A%2F%2Fblog.kakaocdn.net%2Fdna%2Fbj8IbQ%2FdJMcaho9Cn8%2FAAAAAAAAAAAAAAAAAAAAAFqZ6RAgzC3aSZyzpNcAHH09OZ54J3k8aNdALMe6vL8C%2Fimg.png%3Fcredential%3DyqXZFxpELC7KVnFOS48ylbz2pIh7yKj8%26expires%3D1764514799%26allow_ip%3D%26allow_referer%3D%26signature%3DcpbF9U3RxNqj%252FZK%252BdN4RebbORhg%253D>/a> a href/entry/%E2%80%9C%EC%86%8C%EC%83%81%EA%B3%B5%EC%9D%B8%C2%B7%ED%8A%B9%EA%B3%A0%C2%B7%ED%94%84%EB%A6%AC%EB%9E%9C%EC%84%9C-%EB%8C%80%EC%83%81-%E2%80%98%EC%9E%85%EC%9B%90%EC%83%9D%ED%99%9C%EB%B9%84%EC%A7%80%EC%9B%90%EA%B8%88%E2%80%99-%EC%99%84%EC%A0%84%EC%A0%95%EB%A6%AC%E2%80%9D classlink_post> strong classtit_post>“소상공인·특고·프리랜서 대상 ‘입원생활비지원금’ 완전정리”/strong> p classtxt_post>“아프면 쉬어야 하는데, 쉬면 수입이 끊겨요…” 이런 고민을 하고 계신 소상공인·프리랜서·일용직 노동자 분들 많으시죠? 최근 서울형 입원 생활비 지원사업이 적극 운영되면서 ‘1일 약 9만 원’ 지원 소식이 화제입니다. ✅Problem – 왜 필요한가?일용직·특고·프리랜서 등 ‘고용이 불안정한 노동자’들은 병원 입원이나 건강검진만으로도 수입이 뚝 끊깁니다. “입원 해야 하나 말아야 하나” 고민하다 치료를 미루는 경우도 많고요.Agitation – 현실의 불안예컨대 A씨(프리랜서)는 일이 끊겨 입원 중 생활비가 막막했습니다. “입원비야 어느 정도 감당했지만, 식비·주거비가… 저도 숨이 막혔어요.” 이런 상황에서 지원이 없다면 치료 포기, 악화-장기화로 이어질 가능성도 큽니다.Solution – 제도 한눈에 ../p> /a> div classdetail_info> a href/category classlink_cate>카테고리 없음/a> span classtxt_bar>/span> 2025. 11. 1. 00:00 /div> /div> /div> div idmArticle classarticle_skin> div classlist_content> a href/entry/%E2%80%9C50%EB%A7%8C%EC%9B%90-%EC%A0%84%EA%B5%AD%EB%AF%BC-%EB%82%9C%EB%B0%A9%EB%B9%84-%EC%A7%80%EC%9B%90%EA%B8%88-%EB%82%B4-%EA%B3%84%EC%A2%8C%EC%97%90-%EC%96%B8%EC%A0%9C-%EB%93%A4%EC%96%B4%EC%98%A4%EB%82%98%E2%80%9D classthumbnail_post>img src//i1.daumcdn.net/thumb/C148x148/?fnamehttps%3A%2F%2Fblog.kakaocdn.net%2Fdna%2F0MqEd%2FdJMcae0gEx4%2FAAAAAAAAAAAAAAAAAAAAAGziSg9CeBNO_2PcU24KyPHkpFB_KJ2Uu9GP5ztRDSu7%2Fimg.png%3Fcredential%3DyqXZFxpELC7KVnFOS48ylbz2pIh7yKj8%26expires%3D1764514799%26allow_ip%3D%26allow_referer%3D%26signature%3D%252F4a6FDUdGPK%252ByOpeqpiLVBEVRxw%253D>/a> a href/entry/%E2%80%9C50%EB%A7%8C%EC%9B%90-%EC%A0%84%EA%B5%AD%EB%AF%BC-%EB%82%9C%EB%B0%A9%EB%B9%84-%EC%A7%80%EC%9B%90%EA%B8%88-%EB%82%B4-%EA%B3%84%EC%A2%8C%EC%97%90-%EC%96%B8%EC%A0%9C-%EB%93%A4%EC%96%B4%EC%98%A4%EB%82%98%E2%80%9D classlink_post> strong classtit_post>“50만원 전국민 난방비 지원금, 내 계좌에 언제 들어오나?”/strong> p classtxt_post>겨울이 다가오면 가장 먼저 걱정되는 게 ‘난방비’죠. 🥶특히 작년 겨울처럼 에너지 요금이 급등했던 해를 겪고 나니, 많은 분들이 “올겨울은 괜찮을까?” 하는 불안감을 가지고 계실 거예요.최근 정부와 한국지역난방공사(한난)에서 발표한 ‘전국민 50만원 난방비 지원금’ 소식이 큰 화제죠. 과연 이 지원금, 정말 전국민에게 자동으로 지급되는 걸까요? 아니면 신청이 필요한 걸까요? ✅ 정부와 한난의 난방비 50만원 지원, 핵심 요약이번 사업의 공식 명칭은 ‘사랑 ON(온) 난방비 지원사업’이에요.한국지역난방공사(한난)가 주관하고, 겨울철 에너지 취약계층을 지원하기 위한 목적입니다.현재까지 공개된 주요 내용은 다음과 같습니다.지원금: 1가구당 최대 50만원신청기간: 2025년 10월~11월 23일까지지급일정: ../p> /a> div classdetail_info> a href/category classlink_cate>카테고리 없음/a> span classtxt_bar>/span> 2025. 10. 31. 10:00 /div> /div> /div> div idmArticle classarticle_skin> div classlist_content> a href/entry/%EC%8B%A4%EB%B9%84%EB%B3%B4%ED%97%98-%EC%A0%81%EB%A6%BD%EB%8C%80%EC%B2%B4%EB%B3%B4%ED%97%98%EB%A3%8C-%ED%99%98%EA%B8%89%EA%B8%88%C2%B7%EB%8C%80%EC%B6%9C%EA%B8%88%EC%95%A1-%EA%B4%80%EA%B3%84-%EC%99%84%EC%A0%84%EC%A0%95%EB%A6%AC classthumbnail_post>img src//i1.daumcdn.net/thumb/C148x148/?fnamehttps%3A%2F%2Fblog.kakaocdn.net%2Fdna%2Fbs7hK1%2FdJMb9NhwTiz%2FAAAAAAAAAAAAAAAAAAAAAF48vIzAG9cHGx1YQH5ygcKADHVM03NG5CQvu-RKSjcO%2Fimg.png%3Fcredential%3DyqXZFxpELC7KVnFOS48ylbz2pIh7yKj8%26expires%3D1764514799%26allow_ip%3D%26allow_referer%3D%26signature%3DowlhiNPg91tCb1Effw4GRX1WZdg%253D>/a> a href/entry/%EC%8B%A4%EB%B9%84%EB%B3%B4%ED%97%98-%EC%A0%81%EB%A6%BD%EB%8C%80%EC%B2%B4%EB%B3%B4%ED%97%98%EB%A3%8C-%ED%99%98%EA%B8%89%EA%B8%88%C2%B7%EB%8C%80%EC%B6%9C%EA%B8%88%EC%95%A1-%EA%B4%80%EA%B3%84-%EC%99%84%EC%A0%84%EC%A0%95%EB%A6%AC classlink_post> strong classtit_post>실비보험 적립대체보험료, 환급금·대출금액 관계 완전정리/strong> p classtxt_post>실비보험 명세서를 보다 보면 ‘적립대체보험료’, ‘환급금’, ‘보험대출가능금액’ 같은 생소한 항목이 보이죠. 겉보기엔 복잡하지만 사실은 한 가지 원리로 연결되어 있어요. 오늘은 이 세 가지를 한 번에 이해할 수 있도록 쉽게 정리해드릴게요 💡💰 1️⃣ 적립대체보험료란?적립대체보험료는 보험료를 내지 못했을 때 내가 쌓아둔 적립금으로 대신 납부하는 기능이에요. 즉, 보험사가 대신 내주는 게 아니라 ‘내 보험 안의 예비비’로 자동 납부되는 구조죠.자동으로 처리되며 별도 신청은 필요 없음적립금이 남아 있는 동안 여러 번 사용 가능적립금이 0원이 되면 더 이상 대체납입 불가이 기능 덕분에 통장 잔액이 부족한 달에도 보험이 끊기지 않고 유지될 수 있어요.📊 2️⃣ 적립보험금과 환급금의 차이많은 분이 착각하지만,../p> /a> div classdetail_info> a href/category classlink_cate>카테고리 없음/a> span classtxt_bar>/span> 2025. 10. 30. 10:00 /div> /div> /div> div idmArticle classarticle_skin> div classlist_content> a href/entry/25%EC%84%B8%EB%8C%80-%EC%8B%A4%EC%86%90%EB%B3%B4%ED%97%98-%EB%B9%84%EA%B5%90%ED%91%9C%EB%A1%9C-%ED%95%9C%EB%88%88%EC%97%90-%EB%82%98%EC%97%90%EA%B2%8C-%EB%A7%9E%EB%8A%94-%EC%84%A0%ED%83%9D%EC%9D%80 classthumbnail_post>img src//i1.daumcdn.net/thumb/C148x148/?fnamehttps%3A%2F%2Fblog.kakaocdn.net%2Fdna%2FtHkFb%2FdJMb9X5p4dj%2FAAAAAAAAAAAAAAAAAAAAAKMN4J7r4QBAXd95I43S2TN9Ooboz7YX5l9fURz-0OS3%2Fimg.png%3Fcredential%3DyqXZFxpELC7KVnFOS48ylbz2pIh7yKj8%26expires%3D1764514799%26allow_ip%3D%26allow_referer%3D%26signature%3DGlWlF6R4vCHorcgm3voZOMonsik%253D>/a> a href/entry/25%EC%84%B8%EB%8C%80-%EC%8B%A4%EC%86%90%EB%B3%B4%ED%97%98-%EB%B9%84%EA%B5%90%ED%91%9C%EB%A1%9C-%ED%95%9C%EB%88%88%EC%97%90-%EB%82%98%EC%97%90%EA%B2%8C-%EB%A7%9E%EB%8A%94-%EC%84%A0%ED%83%9D%EC%9D%80 classlink_post> strong classtit_post>2~5세대 실손보험 비교표로 한눈에! 나에게 맞는 선택은?/strong> p classtxt_post>“실손보험, 세대마다 뭐가 이렇게 다르지?”실손보험은 이미 2세대부터 5세대까지 진화해왔습니다. 🩺하지만 막상 비교해보면 ‘도대체 뭐가 달라진 건지’ 헷갈리기 쉬운데요.지금 새로 가입하려는 분들이라면, 이 차이를 한눈에 정리해 두는 게 좋습니다.🔍 Problem — 세대가 바뀔수록 보장은 줄고 구조는 복잡해졌다실손보험은 2009년 1세대 상품 출시 이후 계속 제도 개편을 거쳤습니다.그 과정에서 보장 범위는 좁아지고, 자기부담률은 높아졌죠.이는 과잉진료·보험금 누수를 막기 위한 조치이지만, 가입자 입장에서는 체감 보장이 줄었습니다.특히 5세대에서는 비급여 항목을 건강보험과 연동하여 관리하기 때문에, ‘병원비 절약’보다는 ‘합리적 의료 이용’에 초점을 맞추고 있습니다.💥 Agitation — 세대별 차../p> /a> div classdetail_info> a href/category classlink_cate>카테고리 없음/a> span classtxt_bar>/span> 2025. 10. 29. 10:00 /div> /div> /div> div idmArticle classarticle_skin> div classlist_content> a href/entry/%EA%B8%B0%EC%A1%B4-24%EC%84%B8%EB%8C%80-%EC%8B%A4%EC%86%90%EB%B3%B4%ED%97%98-%EC%9E%90%EB%8F%99%EC%A0%84%ED%99%98-%EC%A0%84%EC%97%90-%EA%BC%AD-%EC%95%8C%EC%95%84%EB%91%98-%EC%A0%90 classthumbnail_post>img src//i1.daumcdn.net/thumb/C148x148/?fnamehttps%3A%2F%2Fblog.kakaocdn.net%2Fdna%2FMLmRd%2FdJMb86aeQsF%2FAAAAAAAAAAAAAAAAAAAAAGNgAKg6359ND9j9xBinWYvehTWl5TkYwIpY08xKxxNX%2Fimg.png%3Fcredential%3DyqXZFxpELC7KVnFOS48ylbz2pIh7yKj8%26expires%3D1764514799%26allow_ip%3D%26allow_referer%3D%26signature%3DmyecG0dAaBnPOP0dmLcICtzs7bc%253D>/a> a href/entry/%EA%B8%B0%EC%A1%B4-24%EC%84%B8%EB%8C%80-%EC%8B%A4%EC%86%90%EB%B3%B4%ED%97%98-%EC%9E%90%EB%8F%99%EC%A0%84%ED%99%98-%EC%A0%84%EC%97%90-%EA%BC%AD-%EC%95%8C%EC%95%84%EB%91%98-%EC%A0%90 classlink_post> strong classtit_post>기존 2~4세대 실손보험, 자동전환 전에 꼭 알아둘 점/strong> p classtxt_post>“내 실손보험도 5세대로 자동 바뀌는 걸까?”2025년부터 5세대 실손보험 제도가 도입되면서, 기존 가입자들도 혼란스러워하고 있습니다. 🤔결론부터 말하면 기존 2~4세대 가입자는 자동 전환되지 않습니다.단, ‘해지 후 재가입’ 또는 ‘다른 보험사 이동’ 시에는 5세대 기준이 적용되죠.💡 Problem — 자동 전환되는 게 아니라 ‘선택 전환’이다많은 분들이 “2025년이 되면 알아서 5세대로 바뀌는구나”라고 생각하시지만,기존 실손보험은 자동 전환되지 않습니다.현재 유지 중인 2~4세대 상품은 계속 그대로 갱신이 가능하며,보험사가 임의로 전환시키는 일은 없습니다.다만, 아래 두 가지 경우엔 5세대 전환이 발생할 수 있습니다.1️⃣ 기존 실손보험을 해지하고 새로 가입할 때2️⃣ 다른 보험사로 이동하여 실../p> /a> div classdetail_info> a href/category classlink_cate>카테고리 없음/a> span classtxt_bar>/span> 2025. 10. 28. 10:00 /div> /div> /div> div classarea_paging area_paging_list> span classinner_paging> a classico_skin link_prev no-more-prev>이전/a> a href/?page1 classlink_page>span classselected>1/span>/a> a href/?page2 classlink_page>span class>2/span>/a> a href/?page3 classlink_page>span class>3/span>/a> a href/?page4 classlink_page>span class>4/span>/a> a classlink_page>span class>···/span>/a> a href/?page13 classlink_page>span 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