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...
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...
Translated
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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...
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...
Translated
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Columns A story where the experience of consulting with a bank for new business development was not good
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...
- 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...
Translated
4
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...
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...
Translated
5
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 “...
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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4
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...
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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$USD/JPY (USDJPY.FX)$
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...
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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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...
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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1
[Conclusion] “Only one world stock index” is enough for the new NISA
There used to be a paid subscription to NewsPicks, but now I'm a free user.
I've only been able to read the free part, but looking at the table of contents and comments, it looks like a good article.
It's not limited to investment, but article writers have positions, and they talk based on those positions.
It's position talk, isn't it?
Kenichi Yokota, the author of this article, is like “Ichi Financial Planner,” so it seems like he can write whatever he wants without hesitation.
Normally, it's difficult to disseminate things that don't benefit the affiliated organization.
Thinking about that, Mr. Yamazaki Hajime, who was a member of Rakuten Securities and kept saying things like “you can choose Orcan” and “most mutual funds are garbage,” is amazing.
No, should I praise the depth of passion of Rakuten, which they hired them because they knew they were that kind of person?
Try to guess positions based on the affiliation etc. of the person who sent the information, and look at them critically.
There used to be a paid subscription to NewsPicks, but now I'm a free user.
I've only been able to read the free part, but looking at the table of contents and comments, it looks like a good article.
It's not limited to investment, but article writers have positions, and they talk based on those positions.
It's position talk, isn't it?
Kenichi Yokota, the author of this article, is like “Ichi Financial Planner,” so it seems like he can write whatever he wants without hesitation.
Normally, it's difficult to disseminate things that don't benefit the affiliated organization.
Thinking about that, Mr. Yamazaki Hajime, who was a member of Rakuten Securities and kept saying things like “you can choose Orcan” and “most mutual funds are garbage,” is amazing.
No, should I praise the depth of passion of Rakuten, which they hired them because they knew they were that kind of person?
Try to guess positions based on the affiliation etc. of the person who sent the information, and look at them critically.
Translated
Verify the wins and losses of stocks recommended by money professionals six months ago... “stocks that have risen the most & stocks that can be in time for now” high dividend stocks and preferential stocks that can be targeted at the public release of the new NISA...
Market forecast information such as “10 recommended stocks by experts” and “exchange rate predictions for the end of the year” is flying around, but it's mostly just being said.
There is no denying the evidence-based market predictions themselves, but since they are rarely verified, I think that miscellaneous remarks have been tolerated.
The article I shared at the beginning is an article I've verified myself, and it's good to hear that, but I feel that it's stinky.
The point is that overall market sentiment was good, and after cutting out only half a year, “the winning rate was high,” I wonder.
Furthermore, it's not simply about comparing the forecast time with the current point to see if it's positive, and it's not fair if you don't compare it to the Nikkei Average or the industry average.
Rather, I felt that “experts” who post their own verification articles at this timing cannot be trusted.
You might be able to trust them if they publish verification articles even when predictions are far off, but I don't think they'll publish them.
Active Frames...
Market forecast information such as “10 recommended stocks by experts” and “exchange rate predictions for the end of the year” is flying around, but it's mostly just being said.
There is no denying the evidence-based market predictions themselves, but since they are rarely verified, I think that miscellaneous remarks have been tolerated.
The article I shared at the beginning is an article I've verified myself, and it's good to hear that, but I feel that it's stinky.
The point is that overall market sentiment was good, and after cutting out only half a year, “the winning rate was high,” I wonder.
Furthermore, it's not simply about comparing the forecast time with the current point to see if it's positive, and it's not fair if you don't compare it to the Nikkei Average or the industry average.
Rather, I felt that “experts” who post their own verification articles at this timing cannot be trusted.
You might be able to trust them if they publish verification articles even when predictions are far off, but I don't think they'll publish them.
Active Frames...
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ぼんやりウォーカー OP : Okazaki Ryosuke is going bad at the Bank of Japan.
- YouTube
After all, I wonder if the Bank of Japan's interest rate hike this time and the subsequent meeting with Governor Ueda were not good.
I feel like the market reaction was excessive.
Does that mean we should also incorporate that into communication?
that's tough.