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...

Yesterday, I had lunch with a friend on childcare leave who, like me, is a father of two children in the same age group.
The conversation about the difficulty of balancing parenting and work came up.
I also feel that way, and the primary reason I quit my job as a company employee and became a freelancer was to allocate resources to parenting.
There is often a trade-off between parenting and work (career).
The most productive period and the period requiring resources for child-rearing often overlap.
Resources can be broadly divided into 'time' and 'money'.
When you devote yourself to raising children, you inevitably reduce the time allocated to work.
And when the time dedicated to work is reduced, it becomes difficult to increase income, and the impact of reducing working hours or taking leave becomes significant.
That's why it's important to start saving and investing even a little bit from an early stage.
My friend has been utilizing iDeCo and the old NISA for about 5 years, diligently engaging in index-based RSP investments. I thought their financial literacy was quite high.
"Said they can live for about 2 years even if they quit their job," amazing.
I probably wouldn't last even for a year~.
It may vary as to how much to include in the range of emergency funds for living expenses, but based on deposits, it typically covers one year's living expenses...

Realizing that my balance wasn't increasing was the trigger for me to seriously think about money.
In other words, I hadn't been looking at my deposit balance until then.
I hadn't even grasped my household finances.
In 2022, due to the prolonged COVID-19 pandemic reducing opportunities to meet people drastically and feeling low, I saved work.
I filed my final tax return in March 2023, and when I had to make an additional payment, I suddenly remembered that my savings had increased.
So, although I had linked my account long ago, I had left the MoneyForward app untouched. When I opened it, I found that the balance had dropped significantly.
I had gradually increased my savings over about 3 years, but I consumed the amount in just 1 year, and my finances had returned to the level when I first became independent as a freelancer.
Feeling a sense of urgency, I seriously studied finance for the first time in my life.
After about six months, I tried my best to understand, save, optimize, invest in household finances, and created a model.
So, I don't have much to do anymore.
I optimized my household finances with Money Forward, changed my main bank, and started iDeCo, NISA, and small-scale...