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Showing posts with the label personal finance_financial planning

Hold a mug full of hot coffee

I just want to avoid asking him that..... “War, coronavirus, fuel costs. These three hit us at the same time. We couldn’t do anything about it.” The tip of his nose was red, though it wasn’t just because of the intense cold. He’s holding a mug full of hot coffee in his hands, looking cold. It looked like he was smiling at me, but he even looked like he was crying. Is it because of the cold? Or even wonder if this is his natural face. Will glorious achievements help us? Brilliant achievements are the object of admiration for everyone. Not many would deny this. The price that many people get as a result of working is wonderful, but surprisingly, the results do nothing for us. The reason that achievements are worth nothing in this way is that they are always things that happened in the past. “Last summer’s bonus was reduced to one-tenth of what it used to be. It’s a mess. Don’t you think that meant a de facto termination?” I hesitated t...

Cancel when two years have passed

When I said I wasn’t interested in installments, he told me to listen to him all the way through..... “Thank you for coming to our store. It’s right away, but various discount systems will be applied, so as a customer, it’s better to pay in installments than to pay in full.” A male salesclerk who appears to be around 30 years old frequently recommends installment payments. I wonder why this store hates lump sum payment. “In the case of payment in installments, you will have to pay the price over four years, but you can cancel when two years have passed, and in that case, you will be exempt from paying for the remaining two years.” I pretended to listen to him intently. Because I hate installments. Can tools create value? The concept as a kind of tool is useful, but its handling requires a certain amount of skill. Whether it is matter or concept, tools can only have the position of hardware. What makes a tool valuable is the software or s...

Continue to increase its deficit each accounting period

This rumor will come true..... A certain company continues to increase its deficit each accounting period. This is because personnel expenses are not going down in the field that forms the core of the company. Despite the fact that the company’s valuation in the market has fallen to the point of declining, the management continues to sell aggressively. The only reason such management can continue its reckless adventures is that its investors will never pull out. Investors see the company as a testbed for next-generation business models, according to an analysis by the trade paper. The next-generation model is one that will revolutionize the distribution of products. Are there many ways to perceive things? The way the world is perceived should be objectively scrutinized. Because there are not as many ways to perceive things as we think. There are surprisingly few of them. But we are not afraid of that fact. The reason is that only a few methods are kn...

Know exactly what the conditions are worth

This is the most rational method, and you cannot avoid tax collection.” .... “Broadly speaking, there are three ways to file a tax return. One is how you report your income and expenditure to the tax office.” I wonder if someone will bear the time or expense to do it. Maybe no one would do that for me. I know people who collect receipts and stuff like that. However, I imagine that doing so would not lead to much profit. Why do conflicts occur? The primary goal of conflict is nothing less than the destruction of the enemy’s conditions. If the enemy’s conditions are severely compromised, he will become powerless. But conditions are often neglected to be evaluated correctly. Because we tend to underestimate conditions because they don’t do anything concrete. Rather, the adversary knows exactly what the conditions are worth. There is also the opinion that conflict arises because the enemy knows the exact conditions and the allies do not know them in detai...

Allow real information to be inducted into concepts

At that time, I was a little flustered and sad. I still don’t know why..... This morning, after getting dressed at home, I went out and realized that I didn’t have my wallet. The wallet should have had a few coins in it. Losing it means that I have suffered a certain loss. A wrinkled leather wallet is not an expensive item in itself. The contents are more expensive than the container. So I am a little shocked that I lost my wallet. But I’m not violently upset. The reason is that the money in hand is digitized and stored in the IC card. I carry not only an IC card but also a cash card issued by a bank. What is the position of the symbol? Real or concrete reality is sharply separated from conceptual and abstract concepts. As a result of this clash or competition between the two, we gain a more precise and higher understanding. However, there is a third element between these two isolated items. It’s a symbol. If my cash card or mobile phon...

Need a decent mop

We want a decent mop..... “In a store like this one that has a blind spot, it’s easy for the headquarters to approve the cost of buying a walkie-talkie. It’s even better to attach a sketch of the store when you apply for a budget.” Everyone hates cleaning the floor. Because our hands get dirty and the bucket of water is heavy. But one of the reasons everyone hates cleaning the floor is unbelievable. The mop in the store is broken. The mop leaning against the corner of the room looks like a normal mop, but when someone picks it up and tries to wipe it somewhere, the brush part comes off the handle. Can you admit this stupid thing? Employees of this store have to clean the floor with a broken mop. What is the basic setup for problem solving? Purpose, method, and means. Haven’t you forgotten this setup? First the purpose must be clarified. Its abstract purpose begins to materialize in an appropriate way. Then, the means or tools are selected depending on t...

Do you know a job that makes a lot of money?

I can see that the oil is running low..... “I know a good profit story. You do such a job, but how much is the reward? What? It’s cheap!” He is on the lookout What is the general process of things? be done being done done plan result judged He is on the lookout in a corner of a suspicious store in the afternoon. He seems to be making a lot of money and is talkative. I don’t know what he is doing to get a lot of cash. He wears down jackets even in the store and seems to have at least overcome the cold outdoors. I have already decided not to accept his suggestion, even though I have a slight sympathy for his story. Well, everyone wants to do an easy job and earn a lot. But no one has found such a nice and pitch-black job. He quoted the general income earned by the average person and explained that the income he earned was more than double that. Then he says: Don’t tell anyone what I just said What is the general process of things? The n...

Is it a waste to buy toys?

It’s not a magazine, a cigarette, or a can of beer..... It’s cold rather than cool. However, my mouth is dry, so I drop in at a convenience store. The surface of the cheapest popsicles What are the principles of purchasing behavior? balance purchases income zero bankrupt The surface of the cheapest popsicles is thinly covered with chocolate. It has less sweetness and is clearly seasoned for adults. Standing outside the convenience store, I thrust the popsicles into my mouth while receiving the cold wind. Of course, I’m igniting a cigarette. With some remorse or disappointment, I’m trying to make it my next task. No, such feedback is not always successful. You can’t turn a mistake into an improvement, right? At midnight, the convenience store lighting is bright. So people get together for no reason. I am also one of those leisurely people. A young father and a little girl came. The girl walks to the front and pushes open the big door. ...

How should we be involved in politics?

He wants to promise something, yelling out..... Large-scale media, such as television networks, appear useless in small elections to elect representatives of rural towns. The unfamiliar candidates Why has the relationship between people diminished recently? system Politics person aim public different The unfamiliar candidates arrive at the end of the boulevard by minibus and make a loud voice using a battery-powered loudspeaker. “The financial resources to spend a lot of social security are running out. What should we do with this terrible situation?” Well, the general public has no idea of ​​that. Of course, I know that some costs have been lost in infection control measures. However, the distance between worrying about a terrible situation and starting something to put an end to it is endless. Yes, this shows that politics for us is virtually irrelevant to us. Politics is a general term for a system that aims at itself, and for the ge...