Reached level 42.
From level 40 to 50, it takes 150 points to increase one level.
Until level 40, it was 100 points, so it became harder to level up.
It's a style of randomly writing things that come to mind irregularly, so even with influence, what does it really mean?
Well, as a writer, it's very gratifying to have a certain number of people who read and think "like".
Thank you to all of you who have read.

Is it time for another adjustment in the index?Successfully prepared a decent amount of seed money for the year-end Christmas rally. Ready to invest starting next week along with the standby funds in QLD. Maybe early morning on the 21st in Japan time? No issue with determining after seeing that.

I have been investing in NISA and domestic and foreign individual stocks since last April, but so far the returns from NISA investments have been better than those from individual stocks. Perhaps my assessment is too optimistic. What about all of you?

There seems to be a social insurance premium reduction scheme by minimizing monthly wages and lowering the social insurance grade to reduce social insurance premiums, and significantly increasing the upper limit of bonuses on social insurance premiums.
It seems that this scheme is mainly used by high-income executives.
It seems that it is likely to be blocked, probably by increasing or abolishing the upper limit on bonuses.
Well, I think it's inevitable.
So, how about the "Micro Corporate Scheme" that I am using to reduce social insurance premiums?
In simple terms, rather than converting to a corporate entity, this scheme allows sole proprietors to remain as individual business owners while also becoming corporate representatives. By joining health insurance similar to that of company employees, such as Kyokai Kenpo, and minimizing executive compensation, it is a scheme to reduce social insurance premiums.
Monthly 45,000 yen, which is below the salary income deduction of 0.55 million yen, is often adopted, and I also use it.
Of course, this alone is not enough to sustain a living, so the main job is to work as a sole proprietor and earn income.
On the corporate side, it is not acceptable to use shell companies, so some kind of business reality is necessary, but in theory, even zero sales are fine.
As a sole proprietor, having a certain amount of sales, every year...

Discussions about the million-yen income barrier are actively taking place regarding income tax, resident tax, and social insurance premiums.
It seems that the number of workers who could be directly affected by raising the barrier amount is estimated to be around the 4 to 5 million range.
Due to labor shortages, I don't think it's a good idea to suppress employment based on the barrier, so I believe individuals who want to work and can work should be able to work without worrying about the barrier.
So, even though it's not a topic of discussion regarding the barrier, there are people who want the limits raised.
It is the "consumption tax threshold".
When a sole proprietor is working as a tax-exempt operator, if the annual taxable revenue exceeds 10 million yen, they will become a consumption tax taxable operator.
Corporations are not subject to consumption tax for the first 2 years after establishment, but if the taxable revenue exceeds 10 million yen, they will become consumption tax taxable operators from the 3rd year onwards.
I want the "10 million yen threshold" to be increased.
It seems that this standard amount was established in 1997.
It seems that it has increased by a little over 10% from the CPI level at that time.
So, this standard amount should also have increased to a similar extent.
But, you know, the invoice system has started, so this barrier itself is no longer...

Well, the majority seems to have been decided.
It looks like a victory for the Republicans, including the President and both houses of Congress.
While Mr. Trump's strength plays a role, it seems that the aspect of the Democratic Party losing support is also significant.
As a long-term investor, there is no need to be overly concerned about temporary market trends.
I have been investing for a little over a year, but I feel like I can stay calm without getting too excited or worried.
"Isn't it nice not to have to analyze the American election results?" That's the conversation, but I like to write it down so that decades later I can look back and remember how things were at that time.
The four years of the Biden administration were a period of easing from the peak of COVID-19 response. Prices and interest rates rose significantly, but contrary to expectations, the stock market grew during that time.
The US dollar didn't feel as strong, but the Japanese yen was weak during that time.
Japan has set a record high for the Nikkei average, exceeding 40,000 yen at one point, with rising prices and an increase in the number of investors through the new NISA.
While the Abe, Suga, and Kishida administrations maintained a stable ruling party amid various challenges, the support rate of the Kishida Cabinet declined, leading to a chaotic situation with numerous candidates vying for the position of the LDP president...