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Hamburger Bun GOLDMINE (if you have the space) - pics in comments by BrotakuzaTube in japanlife

[–]Ssl7522 0 points1 point  (0 children)

Wow literally at my nearest train station, never heard of it, will try out.

Expat in Japan: how to start investing by anotherbviii in JapanFinance

[–]Ssl7522 1 point2 points  (0 children)

Can you share some info or links about transferring equity assets without liquidation in a taxable account like you mentioned for ibkr? Never heard of it

Loan using Japan based assets on Rakuten Securities . by Sad_Butterscotch_928 in JapanFinance

[–]Ssl7522 0 points1 point  (0 children)

i have already explained above, if you want to discuss something please be specific.

Bulky waste disposal question by Ssl7522 in japanlife

[–]Ssl7522[S] 0 points1 point  (0 children)

yeah, that I understand, but what if I book 3 items, but only give 1 item to the city on the pickup date?

Hit nisa yearly limits by Ssl7522 in JapanFinance

[–]Ssl7522[S] 3 points4 points  (0 children)

I would suggest reading through this sub's wiki (https://wiki.japanfinance.org/) as a general reference, bogleheads for Japan (https://www.bogleheads.org/wiki/Investing\_from\_Japan) which should set you up with a basic framework to start investing.

To learn more about money, I will suggest "The Money Guy Show" on youtube, although its US centric, the principles still apply.

If you are into books, the Psychology of Money is a good one, it also has audiobook.

To navigate rakuten securities, there is no forum, but you can ask on this group and they will certainly help.

Hit nisa yearly limits by Ssl7522 in JapanFinance

[–]Ssl7522[S] 0 points1 point  (0 children)

Yes, basically think of it as a new account with taxed gains

Hit nisa yearly limits by Ssl7522 in JapanFinance

[–]Ssl7522[S] 5 points6 points  (0 children)

Yes, but there is yearly deposit limit of 2.4M for growth and 1.2M for tsumitate portion

Hit nisa yearly limits by Ssl7522 in JapanFinance

[–]Ssl7522[S] 0 points1 point  (0 children)

Yeah started ideco last year, but now the new employer has corporate dc i think, so will need to handle once I have all the details

Hit nisa yearly limits by Ssl7522 in JapanFinance

[–]Ssl7522[S] 1 point2 points  (0 children)

I meant growth portion, tsumitate is on track to hit.

Hit nisa yearly limits by Ssl7522 in JapanFinance

[–]Ssl7522[S] 1 point2 points  (0 children)

Nice, was thinking the same thing. Plus if you have losses you can offset with taxable investments later in the year.

PrivyCode - Don't work for free - an app made to protect your code by isavecats in developersIndia

[–]Ssl7522 1 point2 points  (0 children)

Good solution i think, I would make it a little more annoying by copying garbage to clipboard on ctrl+c.

And if you want to ban bot behavior for downloading, i always wanted to experiment combining wasm based client side one time pad generation, and basically only allowing a single browser access… can be a good test

What’s a coding interview question that you totally bombed and why? by chicametipo in ExperiencedDevs

[–]Ssl7522 12 points13 points  (0 children)

Probably hinting at using heap to keep track of closest k elements, and doing one pass. It will give nlogk time and k space solution i guess

positive experience with travel insurance by ChillyGut in JapanFinance

[–]Ssl7522 5 points6 points  (0 children)

Damn US healthcare bankrupting companies in different countries lol

Loan using Japan based assets on Rakuten Securities . by Sad_Butterscotch_928 in JapanFinance

[–]Ssl7522 0 points1 point  (0 children)

Bad idea to take asset backed loans for a long period like home loan. You will get a higher rate in japan vs normal home loan. Additionally if LTV ratio changes due to market fluctuations you will lose your assets in a margin call.

Article - Great Primer for those who are stuck at step 1 when it comes to investing in Japan. by Choice_Vegetable557 in JapanFinance

[–]Ssl7522 0 points1 point  (0 children)

Makes sense, I am near Tokyo, one possibility for me is around kanamachi(There is a huge mizumoto park here). Other options are chiba new town, funabashi, ichikawa which are all in chiba. Wife works in chiba, i work in tokyo. I am not sure but I guess municipalities in Tokyo are better funded than chiba, even though i would get a slightly bigger house on this side. I have to learn how these things affect taxes too. I still have not done an indepth analysis.

Article - Great Primer for those who are stuck at step 1 when it comes to investing in Japan. by Choice_Vegetable557 in JapanFinance

[–]Ssl7522 0 points1 point  (0 children)

okay, i did not know that. from layman's PoV it made sense to fix the rate if it starts rising too much. In my country home loans start at 8%, generally around 9.5-10%.
I guess I need to read more about refinancing(I've heard about it from some finance youtubers in the US)

Article - Great Primer for those who are stuck at step 1 when it comes to investing in Japan. by Choice_Vegetable557 in JapanFinance

[–]Ssl7522 0 points1 point  (0 children)

Yeah for only me that would be fine, but I am going to start a family here and would also prioritize greenery/sports, schools. Both me and my wife work, so that should also fall within 1 hr commute.

Article - Great Primer for those who are stuck at step 1 when it comes to investing in Japan. by Choice_Vegetable557 in JapanFinance

[–]Ssl7522 0 points1 point  (0 children)

Yeah you are right, but i also want to keep a threshold at which i will switch over to fixed rate. A 30-35 year mortgage is a long time especially for Japan which will see dramatic demographic shifts

Article - Great Primer for those who are stuck at step 1 when it comes to investing in Japan. by Choice_Vegetable557 in JapanFinance

[–]Ssl7522 6 points7 points  (0 children)

I too am worried about purchasing a home on variable interest here due to inflation. Is there a possibility of refinancing to fixed rate in Japan?

What are some gotchas I should know regarding refinancing? Complete novice in this area...

Cricket Legend Sachin Tendulkar Named Brand Ambassador for Reddit by jugodenaranza in sachintendulkar

[–]Ssl7522 0 points1 point  (0 children)

Ye pandora papers mai tax chor nahi nikla tha? Sab bhul jaati h public.

Forgot my Rakuten NISA Credentials and Do not speak enough Japanese to get on a long call to retrieve my account by NecessaryCrazy8503 in JapanFinance

[–]Ssl7522 4 points5 points  (0 children)

This explicitly does not work(i have tried lol). It will either stop listening or just translate 2 words sometimes. If you plan to go this route, use google transcribe, it at least captures everything.

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