<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[무료 워크북 공유 홈페이지]]></title><description><![CDATA[무료 학습지 나눔]]></description><link>https://www.miqworkbook.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Mon, 26 Oct 2026 07:09:12 GMT</lastBuildDate><atom:link href="https://www.miqworkbook.com/en/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[California’s 20,000-Voter-Record Lawsuit: What Is Alleged, What Is Proven, and What Happens Next]]></title><description><![CDATA[A careful guide to the DOJ’s California voter-record lawsuit: the 20,000-name allegation, the evidence dispute, the Ninth Circuit hearing, and what may happen before November 3.]]></description><link>https://www.miqworkbook.com/en/post/california-20000-voter-record-lawsuit-explained</link><guid isPermaLink="false">6aded31884fa5b2665a4735a</guid><pubDate>Mon, 26 Oct 2026 04:12:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_14cdd627ac2b4bb59c6804f50fa1f36c~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[세르비아 학생운동은 어떻게 총선 승리로 이어졌나: 2026 조기총선 핵심 정리]]></title><description><![CDATA[세르비아 2026 조기총선에서 학생운동이 승리 전망을 만든 과정을 노비사드 참사, 조직화, 의석 전망, 정부 구성 과제로 나눠 설명합니다.]]></description><link>https://www.miqworkbook.com/post/serbia-student-movement-2026-election-explained</link><guid isPermaLink="false">6aded31884fa5b2665a47359</guid><pubDate>Mon, 26 Oct 2026 04:12:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_8b722ed8cc3d49928b1e476bc5e60827~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[Tax Deduction vs Tax Credit: How Each Changes Your US Tax Bill]]></title><description><![CDATA[A tax deduction lowers taxable income; a tax credit lowers tax owed. Learn the difference with US federal examples, refundability, and filing checks.]]></description><link>https://www.miqworkbook.com/en/post/tax-deduction-vs-tax-credit-us-guide</link><guid isPermaLink="false">6addd68ff3061d4640f2c08d</guid><pubDate>Sun, 25 Oct 2026 10:14:39 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_b8afdd6dd4274d66bfe8c065164352d8~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[소득공제와 세액공제 차이: 연말정산에서 실제 세금이 줄어드는 순서]]></title><description><![CDATA[소득공제는 과세표준을, 세액공제는 계산된 세금을 줄입니다. 연말정산 계산 순서와 100만원 예시로 실제 차이를 설명합니다.]]></description><link>https://www.miqworkbook.com/post/income-deduction-vs-tax-credit-year-end-tax-korea</link><guid isPermaLink="false">6addd68ef3061d4640f2c08c</guid><pubDate>Sun, 25 Oct 2026 10:14:39 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_502b00291cd341858cb89879347f117d~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[Camera Filter Guide: Black Mist, White Mist, Cross &#38; CPL]]></title><description><![CDATA[Compare black mist and white mist at 1/4 and 1/2, 4-, 6-, and 8-point cross filters, and CPL reflection control in one fixed portrait scene.]]></description><link>https://www.miqworkbook.com/en/post/camera-filter-guide-black-mist-white-mist-cross-cpl</link><guid isPermaLink="false">6add3c2a59028f0267e4c8d9</guid><pubDate>Sat, 24 Oct 2026 23:15:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_aeba84424536401a92dc03b01dae47d3~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[DTI vs LTV: How Income, Debt and Down Payment Shape a US Mortgage]]></title><description><![CDATA[A US beginner’s guide to calculating loan-to-value and debt-to-income, with a $400,000 home example, down-payment comparison, PMI context and Loan Estimate checklist.]]></description><link>https://www.miqworkbook.com/en/post/dti-ltv-mortgage-guide-us</link><guid isPermaLink="false">6adc841bca2cf13d41a652d2</guid><pubDate>Sat, 24 Oct 2026 10:10:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_13bc6e5cd7d1489cbdfd366a3a9f8974~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[DSR·LTV 차이: 연소득 5천만원·6억원 집 대출한도 계산법]]></title><description><![CDATA[LTV는 집값, DSR은 소득과 기존 부채를 봅니다. 6억원 주택과 연소득 5천만원 사례로 두 한도를 계산하고 은행 상담 전에 확인할 항목을 정리했습니다.]]></description><link>https://www.miqworkbook.com/post/dsr-ltv-home-loan-limit-korea</link><guid isPermaLink="false">6adc841bca2cf13d41a652d1</guid><pubDate>Sat, 24 Oct 2026 10:10:35 GMT</pubDate><enclosure 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bubbles, use a controlled swirl, and adjust sharp, thin, or astringent cups one variable at a time.]]></description><link>https://www.miqworkbook.com/en/post/light-roast-pour-over-bloom-guide-en</link><guid isPermaLink="false">6adc4e1e5e40b4f1baefd4d1</guid><pubDate>Sat, 24 Oct 2026 06:20:15 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_db18af9e13f24ccdb5ebbb79bc704e25~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[Golden-Hour Backlit Portraits: Clear Faces, Detailed Skies]]></title><description><![CDATA[Place the sun, use natural bounce, read the histogram, control flare, and build varied golden-hour portraits without studio lighting.]]></description><link>https://www.miqworkbook.com/en/post/golden-hour-backlit-portrait-exposure-guide</link><guid isPermaLink="false">6adbeb34ea3a373a47c7b7de</guid><pubDate>Fri, 23 Oct 2026 23:18:12 GMT</pubDate><enclosure 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balance milestones, lifetime interest, escrow changes, and extra principal.]]></description><link>https://www.miqworkbook.com/en/post/mortgage-amortization-fixed-rate-example-us</link><guid isPermaLink="false">6adb332ae09df644cfb210ce</guid><pubDate>Fri, 23 Oct 2026 10:12:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_ce8dd728c0da4f17b9fee63237c9f5fa~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[원리금균등·원금균등·만기일시상환: 3,000만원·연 5% 총이자 비교]]></title><description><![CDATA[3,000만원을 연 5%로 36개월 빌렸을 때 원리금균등·원금균등·만기일시상환의 월 납입액, 총이자, 잔액과 선택 기준을 계산해 비교합니다.]]></description><link>https://www.miqworkbook.com/post/loan-repayment-methods-kr</link><guid isPermaLink="false">6adb332ae09df644cfb210cd</guid><pubDate>Fri, 23 Oct 2026 10:12:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_c5ed39de9e58489695f21084f51745c6~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[카메라 필터 완전정리: 블랙미스트·화이트미스트·크로스·CPL 차이와 강도 선택]]></title><description><![CDATA[블랙미스트·화이트미스트 1/4·1/2, 크로스 4·6포인트, CPL을 같은 인물 구도로 비교합니다. 필터별 효과와 실전 선택법, 규격 확인과 추천 제품 링크까지 한 번에 정리했습니다.]]></description><link>https://www.miqworkbook.com/post/camera-filter-mist-cross-cpl-guide</link><guid isPermaLink="false">6adaea647a16f6a3ff838130</guid><pubDate>Fri, 23 Oct 2026 05:02:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_a13c1a21b92d45af96e9db26042e77af~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[카페 인물사진 피부색이 얼룩질 때: 창빛과 전구빛 정리하는 순서]]></title><description><![CDATA[카페 인물사진의 피부색이 얼룩지면 창빛과 실내등부터 구분하세요. 별도 조명 없이 자리·얼굴 방향·촬영 높이를 바꾸고 화이트밸런스와 부분 보정으로 마무리하는 실습입니다.]]></description><link>https://www.miqworkbook.com/post/cafe-portrait-mixed-light-skin-color</link><guid isPermaLink="false">6ada9df07a16f6a3ff82c33d</guid><pubDate>Thu, 22 Oct 2026 23:42:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_7175bba41fa6497c914fab00af06eb78~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[Indoor Portrait Skin Tones: Fix Window and Lamp Light Before White Balance]]></title><description><![CDATA[Fix mixed-light skin tones in everyday indoor portraits using window position, face direction and existing room light. Vary framing and camera height without studio lighting.]]></description><link>https://www.miqworkbook.com/en/post/indoor-portrait-mixed-light-skin-tones</link><guid isPermaLink="false">6ada9df07a16f6a3ff82c33c</guid><pubDate>Thu, 22 Oct 2026 23:42:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_27e3052ed18e439ca5a325b00e9a4e62~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[Credit Card Minimum Payments: Why Your Balance Falls Slowly (US)]]></title><description><![CDATA[Understand a US credit card’s minimum due, interest and three-year repayment box. Use a transparent USD example and learn which statement conditions to check.]]></description><link>https://www.miqworkbook.com/en/post/credit-card-minimum-payment-interest-us</link><guid isPermaLink="false">6ad9eacb1d73c37738a22c6e</guid><pubDate>Thu, 22 Oct 2026 11:19:32 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_f1ec91297ca445d3a6754842bc64aae6~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[예금자보호 1억원, 통장마다일까? 금융회사별 합산 기준과 확인 순서]]></title><description><![CDATA[예금자보호 1억원은 계좌마다 생기는 한도가 아닙니다. 같은 금융회사 합산, 원금과 소정의 이자, 상품의 보호 여부를 계산 예시와 점검 순서로 설명합니다.]]></description><link>https://www.miqworkbook.com/post/deposit-insurance-limit-korea-100-million</link><guid isPermaLink="false">6ad9eacb1d73c37738a22c6d</guid><pubDate>Thu, 22 Oct 2026 11:19:32 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_411aef50a5fd4072a00c9784b8d78a48~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[Portraits Through Glass: Keep the Expression Clear in Café Windows]]></title><description><![CDATA[Learn to photograph portraits through glass: arrange reflections, find shade, check eye focus and diagnose blur, with 10 visuals and a three-frame café exercise.]]></description><link>https://www.miqworkbook.com/en/post/portraits-through-glass-cafe-windows</link><guid isPermaLink="false">6ad945d1c079d16846fc76f0</guid><pubDate>Wed, 21 Oct 2026 23:15:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_5717fd754a214b6082d59d9c9326c40f~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item><item><title><![CDATA[유리창 너머 인물사진: 얼굴을 가리는 반사와 눈 초점 정리법]]></title><description><![CDATA[유리창 너머 인물사진의 뿌연 얼굴과 초점 문제를 구분하는 법. 반사 위치, 그늘, 눈 초점, 흔들림, 편광필터를 10개 시각자료와 세 장 실습으로 설명합니다.]]></description><link>https://www.miqworkbook.com/post/window-portrait-reflections-focus-ko</link><guid isPermaLink="false">6ad945d2c079d16846fc76f1</guid><pubDate>Wed, 21 Oct 2026 23:15:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8b0f15_38b01030c98846e9af56efedcf462de0~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>miqworkbook</dc:creator></item></channel></rss>