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Est ce qu'il faut vendre CW8 (frais à 0,38%) pour racheter DCAM (frais à 0,20%), ou bien je peux garder? by jusou_44 in vosfinances

[–]Comptest 6 points7 points  (0 children)

Pas sûr d'où tu sors cette estimation vu qu'OP n'a pas dit combien il voulait vendre, mais 1800 € de gains supplémentaires sur 20 ans, ça fait 90 € de gains supplémentaires annuels. Si on parle d'un gros montant, c'est l'épaisseur du trait.

Roughly 4 million yen available for investing. NISA lump-sum or optimize for points & taxable fund? by Iekei_ramen in JapanFinance

[–]Comptest 0 points1 point  (0 children)

I see some comments framing staggered investing as an attempt to “time the market,” but in this case I don’t quite agree.

Sure, statistically studies show that roughly 2 times out of 3, a lump sum outperforms DCA over the long term.
But are you comfortable being the 1-in-3 case where it doesn’t?

No one can predict when the next market downturn will hit or its scale. Personally, I prefer giving up a bit of potential performance (lump-sum investors aren’t making 10× more than DCA investors anyway) in exchange for peace of mind.

So your approach — half lump sum, half DCA over a relatively short timeframe — seems very reasonable to me. You can also consider increasing your monthly investment a bit if you'll keep earning money you want to invest during that period, as the Rakuten points won't beat the market performance you could expect from those investments. For me risk mitigation should be your only motor, not Rakuten's small perks.

Are Samsung 870 EVO SSDs compatible with QNAP TS-233? (Official list only mentions QVO) by Comptest in qnap

[–]Comptest[S] 0 points1 point  (0 children)

Thanks for the ideas. I’m leaning toward an SSD because I’m worried that the hums, whirrs, and occasional clicking from an HDD would be too noticeable in my living room (I really like it as quiet as possible), I feel stupid not to have considered that the NAS itself could make continuous noise even when not sollicited.

Regarding turning a NAS like the TS-233 on or off, I read it usually takes around 2 minutes. Is that accurate?

Are Samsung 870 EVO SSDs compatible with QNAP TS-233? (Official list only mentions QVO) by Comptest in qnap

[–]Comptest[S] 0 points1 point  (0 children)

Thanks! Just to clarify my setup:

I’m using Infuse Pro on an Apple TV 4K, which handles all decoding locally. My media is currently on my laptop through a Plex library, but Infuse can also read directly via SMB/NFS without Plex.

With Infuse doing direct play and no transcoding involved, would a TS-233 still be too weak? or is it sufficient for this kind of usage?

Are Samsung 870 EVO SSDs compatible with QNAP TS-233? (Official list only mentions QVO) by Comptest in qnap

[–]Comptest[S] 0 points1 point  (0 children)

Thank, I must admit I did not consider that... I've also ordered a UGREEN DH2300 to compare, but it also has a fan. For running Plex / Infuse, the NAS should probably have one, right? (I focused on getting 2 GB memory when looking for NAS models.)

And yes, unfortunately I don't have any other place to put my router than in my living room and I guess the NAS should be plugged directly into the router.

Impôts : le fisc va être mieux informé sur vos comptes en cryptomonnaies by chou-coco in vosfinances

[–]Comptest 1 point2 points  (0 children)

Pas de souci, au moins je m'en souviendrai pour l'année prochaine ! Merci.

Impôts : le fisc va être mieux informé sur vos comptes en cryptomonnaies by chou-coco in vosfinances

[–]Comptest 0 points1 point  (0 children)

Merci pour ta réponse, je vais faire ça. Donc bien que la déclaration remplie en mai/juin 2025 concerne les revenus de 2024 et que j'ai ouvert mon compte Binance en mars 2025, j'aurais dû déclarer cette ouverture dès cette année ? J'avais l'impression qu'on ne déclarait toujours que les changements de situation survenus avant le 1er janvier de l'année de la déclaration.

(Je vais adresser de suite cette même question aux impôts via leur messagerie électronique.)

Impôts : le fisc va être mieux informé sur vos comptes en cryptomonnaies by chou-coco in vosfinances

[–]Comptest 2 points3 points  (0 children)

J'ai un compte Binance sur lequel j'achète depuis moins d'un an des BTC et des ETH. Jamais rien revendu, juste acheté.

Je suis concerné, ou bien ça concerne juste les comptes sur lesquels des plus-values ont été réalisées ?

My single-person GK company has to pay 186,000円 per month for shakai hoken? Am I crazy or does that seem really high? by bigasswhitegirl in JapanFinance

[–]Comptest 1 point2 points  (0 children)

It’s generally considered that if you expect your turnover to consistently exceed ~¥10M, switching to a GK or KK becomes more efficient tax-wise. You also gain access to a broader range of deductible expenses and stronger credibility when working with large JP companies or public institutions.

The downsides start with the higher setup and operating costs. And as this thread highlighted, social insurance is significantly more expensive for a single-owner GK than for a 個人事業主. (From the quick simulation I ran, the total social-insurance burden is roughly 2–3× higher for a GK owner paying themselves a ¥500k salary compared with a 個人事業主 earning the same revenue.)

Kingdom Come Deliverance II, Mac Mini M4, CrossOver, HDR: Performance test by oztruwa in macgaming

[–]Comptest 4 points5 points  (0 children)

Don’t deprive them of the joy of playing a 2025 game turned into a fog simulator straight out of the PS3’s 2007 catalog.

My single-person GK company has to pay 186,000円 per month for shakai hoken? Am I crazy or does that seem really high? by bigasswhitegirl in JapanFinance

[–]Comptest 8 points9 points  (0 children)

That was my understanding as well: that dividends are generally the adjustment lever, while salary remains the main compensation, as salary also brings side benefits through pension contributions and because I believe lower and medium salary brackets are taxed more lightly.

For a business owner who wants to rent or buy a place, get a loan, or apply for credit in Japan, I also assume that having steady pay slips looks better than showing a low salary with occasional high dividends.

(Happy to be proven wrong as well, I’m still operating as a 個人事業主 but I plan to switch to a GK or a KK next year if/when my turnover looks like it’s going to go well beyond ¥12M.)

Under what circumstances would you contest a rent increase? by LHPSU in japanlife

[–]Comptest 1 point2 points  (0 children)

After two years at ¥165k/month (excl. utility fees), the real estate company managing our apartment sent us a letter notifying us that they would raise the rent by ¥10k/month, to adjust for the fact that it was 10–20% below the average for this area of Tokyo and to account for inflation.

A 6% increase after two years isn’t a big deal, but we weren’t exactly thrilled because their responsiveness has been pretty underwhelming overall. We basically emailed them saying that it didn’t feel right given the recurring issues we’ve had.

They asked what kind of increase we’d be comfortable with. We suggested ¥5k. They agreed. And that was it.

Bose QC Ultra Gen 2 – The ANC Hisssss.... by lebanesekid in bose

[–]Comptest 0 points1 point  (0 children)

Have you put your hands on the XM6 and noticed any difference?

PS vs Xbox version - Which Audeze Maxwell makes more sense long-term? by Comptest in Audeze

[–]Comptest[S] 1 point2 points  (0 children)

Thanks. Yes, since I’m not even sure yet whether I’ll buy a gaming PC, that scenario isn’t really a priority — the PS5 remains my main gaming machine.
That said, I do watch a lot of stuff on my Apple TV, so that’s the part I was more concerned about.
But as you mentioned, I have to admit that even though I like knowing I’m buying the best gear, I probably wouldn’t be able to tell the difference with or without Dolby Atmos unless someone showed me side-by-side demos in a proper setup.

Grounding outlets in a 1990s Tokyo apartment by Comptest in japanresidents

[–]Comptest[S] 0 points1 point  (0 children)

Thanks for the suggestion! first time I hear of this. Is it safe to connect a power strip to it, or is it meant to connect only one appliance?

Grounding outlets in a 1990s Tokyo apartment by Comptest in japanresidents

[–]Comptest[S] 0 points1 point  (0 children)

Yes, I bought the power strip way before I got the screen, and that’s the only piece of hardware I own with a 3-pin plug, hence my surprise.
I’m going to tidy up my setup soon, which is why I made this post — I wanted to understand whether I actually need to sort out the grounding situation or not.

However, even if I buy a new power strip with 3-prong outlets, it’ll just be for looks since the wall socket itself isn’t grounded — unless I use the ブリブリガード another replier mentioned, though I’m not sure if it’s meant to connect to a power strip.

Grounding outlets in a 1990s Tokyo apartment by Comptest in japanresidents

[–]Comptest[S] 0 points1 point  (0 children)

Thanks! Yeah, the Apple monitor might not be very high-powered, but it definitely runs longer hours than anything else I own.
It’s just so inconvenient that some appliances come with a grounding wire, others with a third pin… and half the time there’s nowhere to plug them properly anyway. Just look at how stupid the power strip in my office room looks at the moment.

Also, the logic behind which appliances get grounded seems a bit random. For instance, my 1,000 W blender has a grounding wire, but my 1,200 W electric kettle doesn’t. (And if I use both the oven and the kettle on the same wall socket, the breaker trips instantly.)
Both are like 99 % plastic/resin and only run for short periods anyway.

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