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ぼんやりウォーカー Male ID: 181446502
「投資にリソースをかけすぎない」がモットー。 保有資産は全世界株式、米ドル建て債券など。 41歳、個人事業主。
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    https://gendai.media/articles/-/135287?page=1&imp=0
    Something isn't going to be a link, OK.
    Stock prices and exchange rates were shook up due to the Bank of Japan interest rate hike the other day and Governor Ueda's “hawkish” remarks such as “I will continue to raise interest rates.”
    I feel like this is often said in a rather negative way.
    I have the impression that timing and communication are being criticized rather than the rate hike itself.
    “It should have been done after the economic situation stabilized even more.”
    I have no knowledge at all, but somehow I support President Ueda.
    No matter who does it, it's picking up chestnuts in the fire, and I think it's going to be tough, so please do your best.
    I also liked the fact that they were joking in English at overseas conferences.
    In the link at the beginning, there is a positive evaluation of the Bank of Japan's current interest rate hike.
    I wrote “Should the Bank of Japan be criticized?” in the title, but I have no idea.
    However, I think a “world with interest rates” would be healthier, and I think the proper direction is to lift the abnormal situation of negative interest rates that have continued for a long time and raise interest rates.
    TALK...
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    1
    The Nikkei Average recorded the biggest decline in history, and it is said that it is second in terms of ratio after the Lehman shock.
    The exchange rate also showed a strong appreciation of the yen.
    It's a little bit back, and now it's 145 yen.
    In response to this, I see reports and announcements such as “the market is in great turmoil” or “a beginner who started investing with the new NISA in a hurry.”
    There are probably many people doing short-term trades in the market, and it seems that there are many people who bet on the way up, so I understand “the market is very chaotic.”
    However, I don't really understand that it's like “the new NISA people shout.”
    Many new NISA citizens are long-term diversified accumulators, and stocks have a certain degree of volatility, which cannot be predicted, but I think they are investing on the premise that well-distributed indices will rise steadily over the long term.
    I understand “that being said, going back is somehow uneasy.”
    I'm not really interested in impressionism, so I'm thinking of taking a look at actual trading trends within the NISA framework when they come up.
    As someone who mainly holds Orkan and US dollar-denominated bonds, there is an effect of a decrease in raw bond prices due to the decline in Orkan's stock price and the appreciation of yen.
    just...
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    2
    There was a “future of banking” video on Pivot.
    - YouTube
    There was a story in the video about “we should expand our business beyond obtaining deposits and loans,” and I was reminded of a “bad experience.”
    Previously, I was involved in new business development for a certain company.
    At that time, I didn't say which bank, but I was dealing with a certain green megabank.
    $Sumitomo Mitsui Financial Group (8316.JP)$
    Details of the business details cannot be said due to a duty of confidentiality, but it was a service that required users to use their tablets.
    There were cases where tablets were damaged while using the service, so I wanted to give them a guarantee.
    The issue was that they didn't rent it from our company, so I was wondering what happened.
    While I was consulting with my bank about the business, I was told that “services such as insurance can also be proposed,” so I asked them to propose insurance products.
    That experience was insanely bad, wasn't it?
    First, companies that can propose insurance products as part of the partner group...
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    The smartphone I've been using for 3 and a half years has become obsolete, so when I thought I'd have to replace it if it breaks, I'm starting to wonder “I'll use a smartphone-related thing for the rest of my life,” so I'll do a trial calculation.
    Influencing parameters
    ・Terminal fee
    ・Monthly usage fee
    ・Model change frequency
    Let's consider each one.
    The more particular you are, the more expensive the “terminal fee.”
    Waterproof, dustproof, camera quality, battery capacity, mobile wallet compatibility, warranty, newness, etc.
    If it's used and out of shape, it's likely that it's less than 10,000 yen, but if it's new, it's probably about 20,000 yen to 40,000 yen for an out of shape model.
    Guarantees are sometimes included in credit card services, but if they are used or out of shape, they are often not covered, so you can't expect much.
    The “monthly usage fee” is determined by the carrier, number of gigabytes used, call time, etc.
    Once you've decided on a plan you're satisfied with with with a cheap SIM, it's nice that you don't have to switch too many times without the hassle.
    If the number of gigabytes you use is small, you can do it within 1000 yen.
    When you search for information on the internet, the most information on smartphone carriers comes up, and then information on terminals comes up.
    However, the third element is “model change...
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    The electricity bill was dangerous, so I went back from Money Forward Electric to TEPCO Metered Electric Light B - FIRE: Kujo Diary to Semi-Retire Due to Investment
    It's a 2022 blog, so I don't know what it is like now, but since fuel costs are rising and the yen depreciation trend continues, I don't think the situation will change much.
    I also aimed to save money last year and was searching to see if the electricity bill could be reduced, but there are many businesses that do not have an upper limit on the “fuel cost adjustment amount” on the blog, so I left it with TEPCO.
    You can't mix it all up, but apparently there is also the fact that I feel a bad smell in the new electric power area.
    There is a possibility that “Energy Change,” which operates an electricity bill comparison site, will be delisted due to allegations of fraud in accounting processing.
    Investigation Committee Reports Suspicions of Fraud in Energy Change Accounting Processes, Inappropriate Speech and Behavior for CEO Joguchi Even “Concealment Not Acknowledged” (Nikkan Jidosha Shimbun) - Yahoo! news
    $Enechange (4169.JP)$
    $Tokyo Electric Power (9501.JP)$
    It seems that TEPCO used to be representative of “ultra-stable and excellent stocks,” but the Great East Japan Earthquake...
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    The “QuicPay credit card in Google Wallet cannot be activated” issue has been resolved.
    I thought it was a problem on the credit card side, but I didn't know, so I made a phone inquiry and waited for the connection while listening to the announcement “I'm not eligible for the free call service.”
    I was told, “For this side, it has been successfully registered, so please contact Google.”
    When I called the toll-free number I was told, the automatic voice said, “I can't identify who you are, so please contact me from the web.”
    Maybe it's because the same phone number is linked to multiple Google accounts, so maybe it's not cool...
    So, when I made an inquiry from the web and “call me,” the phone call came in an instant.
    When I talked about the situation, they said, “Aren't you using Mizuho Wallet?”
    huh? Does Mizuho have anything to do with this story? I thought, but that guy was doing the wrong thing.
    I installed Mizuho Wallet for some kind of campaign, and at that time I made it possible to use QuicPay within the app.
    However, it wasn't displayed in Google Wallet, so I couldn't figure it out...
    Hmm, Google Wallet is also “...
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    Why do retirees buy financial products that are absolutely bad in a “separate bank room”... why do they cry and fall asleep even if their retirement benefits are cut in half “retirement benefits plummet from 30 million to 5 million” irreparable failure examples of people with zero investment experience
    I often hear the story “When I get retirement benefits, I get a phone call from the bank, listen to the asset management story, invest as they are told, and I lose a lot.”
    When I had errands a while ago and went to the bank, I heard other customers receiving explanations about mutual funds while waiting.
    “I don't know much about investments, but I thought I should do something, so I came here to discuss it,” he said.
    Oh, I thought this might be an action I often hear as “something you shouldn't do,” but since there wasn't anything I could do, I had no choice but to hope “be happy.”
    When I tried searching for “bank name investment trusts,” the lineup was small, fees were high, and I felt like “there's nothing wrong with that.”
    In order not to fall into this kind of disappointment yourself, it is important to learn and experience investing correctly as early as possible.
    Investment education in high schools became mandatory starting in 2022.
    I think that's a good thing, but I learned how to invest half-heartedly...
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    1
    $USD/JPY (USDJPY.FX)$
    The depreciation of the yen progressed to the point where 162 yen was added the other day, but it completely turned around and the yen appreciated to the point where it was cut 155 yen.
    The American presidential election is becoming extremely confusing, and uncertainty about the future of exchange rates that cannot even be read is increasing.
    However, aside from short-term fluctuations, I think the yen will depreciate over the long term.
    I'm referring to Daisuke Karakama from Mizuho as evidence for thinking so.
    - YouTube
    Considerations from not only the Japan-US interest rate difference but also the trade balance and its breakdown are persuasive.
    So, if the depreciation of the yen progresses as a long-term trend, I think the first individual investors should do is “continue long-term funded diversified investments.”
    It's always an easy opinion that “amateurs should buy Orkan,” but personally, I also like foreign currency bonds, and I have a few.
    I think “if you don't live with foreign currency, you should invest in yen” is true, but once in a while I want to go to Hawaii, so I can add up my travel funds, and if necessary as yen, I can transfer yen.
    Unlike stocks and mutual funds...
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    This is something you should keep in mind!! Even if stocks rise steadily over a long period of time, there is an adjustment period
    Therefore, it is necessary to be prepared, and here is the long-term adjustment period in the past
    ① 1973 - 50% decline rate high price updated in 1980 (2738 days)
    ② 1987 - rate of decline 36% high price updated in 1989 (700 days)
    ③ 2000 - rate of decline 56.7% high price updated in 2013 (4748 days)
    ④ 2018 - 20% decline rate high price updated in 2019 (273 days)
    ⑤ 2020 - rate of decline 35.2% high price updated in 2020 (182 days)
    ⑥ 2022 - depreciation rate 27.2% high price updated in 2024 (729 days)
    If the COVID-19 level falls in 2020, it's not difficult to hold, but can you hold it if you can't update the high price for 10 years or more and the unrealized loss period continues ❓
    If you make a monthly funded investment, the average acquisition unit price drops by accumulating during the period of decline, and the rate of increase increases when it becomes an upward market
    Furthermore, if you make a spot investment near the bottom price of the decline, you can further lower the average acquisition unit price, so there is still a need to leave extra power
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    Those who have recently started Orkan or long-term savings (1 or 2 years)
    Those who have recently started Orkan or long-term savings (1 or 2 years)
    Those who have recently started Orkan or long-term savings (1 or 2 years)
    +1
    The Impact of “Idle Pensions” of 280 billion yen [Economic Column] | NHK
    I'm a freelancer now, so I'm doing mutual aid with iDeco and a small business, but I didn't do DC when I was an office worker.
    Or rather, they didn't do anything about money.
    I finally seriously studied money last year, and I began to think that a company with DC would be nice.
    I received an explanation of the system when I was an office worker, but I didn't do it because I thought “this is impossible for me” in terms of “I need to choose my own investment products.”
    I didn't understand the income tax system at all, and it's really a waste.
    Another reason I didn't do it is “I don't know what to do when changing jobs, it seems bothersome.”
    The link at the beginning is about the issue where procedures are not carried out when changing jobs or retiring, and it is an idle pension.
    Of the 8 million subscribers, 1.1 million have left it unattended, and the amount is 280 billion yen, which is quite huge.
    I recommend not spending as much time as possible on investments, but this is the kind of thing you have to deal with properly.
    Determine “minimum things to do” in order to reduce resources spent on investment...
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