Posts Tagged ‘ Tokyo ’

Advice on money : Not what you earn it what you keep !

Advice I learned about $$

Let’s say you make $10,000 a month.

That’s only $120k a Year.

Let’s put 30% aside for Taxes.

That leaves you with $84,000.

Now let’s say you’re feeling RICH ‘cause you’re a 6 figure earner now, right?

So you go and buy yourself a Penthouse condo for $5,000 a month.

That’s $60,000 a Year.

Leaving you with $24,000 left.

But wait.

You’re Rich.

So you GOTTA get yourself a nice ass whip.

A Benz or a Lambo Truck. Something lit.

Let’s say that’s $500/month with good Credit plus throw in another $300 a month for insurance.

$800/Month for your whip.

That’s almost $10,000 a Year.

Leaving you with $14,000 remaining.

Throw in Food. Entertainment. Travels & Other bills such as Phone. Internet. Etc etc etc.

That’s gonna leave you with absolutely no savings left at the end of the year whatsoever.

So Moral of the Story?

It doesn’t matter how much Money you make.

KEEPING your money is key.

Having your money work for you is key

Understanding that trading time for money is not the answer

Understanding that consumerism is not the answer

Understanding that losing the immediate gratification mindset will work immensely in your favor

Don’t live life to impress people on Social Media.

Stack your bread and act broke until you’re ACTUALLY Rich.

THEN go treat yourself if you want to.

motivation #money #success

Take care of the people who’ve been working with you and supporting you from the beginning.

We all had it where people come by take advantage , use or use one self , those are lessons we learn and that’s important .

True loyalty can’t be bought or found anywhere.

You cannot hang out with negative people and expect to live a positive life.

We all  have  friends or colleagues who are negative? Then , you know they aren’t the most enjoyable people to be around , a problem for every situation . Negative people are  real downers in any conversation and situation. No matter what you say, they have a way of spinning things in a negative direction. Some negative people can be so negative that it feels draining just being around them , negetivity places a blanket over you .

Break free and enjoy a positive life . 

Tony Evan

Tokyo 

Jan 16th 2017

IMF tells  Japan needs to bring back Abenomics – 

Japan is on the receiving end of a warning from the International Monetary Fund (IMF) about the risk of slow growth, stagflation and a new round of turmoil in financial markets. The IMF has urged Japan to “reload” its Abenomics reforms to prevent this from happening.  Currently the Bank of Japan  quantive easing ¥80 trillion ($712 billion)  the same as the  GDP of the Netherlands , an extra 10 Trillion  in my option would weaken the yen by 5/7% and the Nikkei rise by 9/11%…

According to the Financial Times, IMF economists have said that Japan is seeing a modest recovery at the moment and that there would be annual growth of 0.8% by the end of the year, followed by 1.2% in 2016. However, the economy is fragile, the report states. 

This is because imperative structural reforms required to bring the economy out of its slow growth and back on track have stalled and it comes at a time when Japan’s public debts were expected to hit 250% of GDP over the next five years. 

The Bank of Japan has also been told that it needs to be ready to ease monetary policy further and do a better job of communicating its intentions to markets as inflation – which they forecast would hit 0.7% this year – continued to rise more slowly than expected towards the central bank’s 2% target. 

Overall the IMF offered a sobering assessment of Prime Minister Shinzo Abe’s efforts to revive the Japanese economy, arguing that his reforms were failing to deliver as promised. 

  

10,000 steps a day

  
“I don’t have dreams . I have goals . Now it’s on to the next one ” Harvey Specter 

To approach my health goals I broke it down to  smaller goals and then monitored the data .

I had a very simple approach by :

  • Increasing activity 
  • Monitor activity 

As mentioned in previous post I use Jawbone UP 2 to monitor my activity , sleep and food nutrients . 

I found an article on the NHS in the UK that the average person walks around. 3,000- 4,000 steps a day ! The article talks about how increasing steps has a mulitple health benefits NHS – The 10,000 steps challenge . So I thought why not ” in for a penny in for a pound ” ( loose pounds that is 😉  )  so every day 10,000 steps  , it became very easy after time to achieve this amount on a daily bases . 

When I saw the effect I started to increase my activity  by using ellipitacal machines at Tokyo American Club . I say easy what I mean  when you achieved it , you notice the numbers are not so big . So then I started hitting 15k , 20k ,30k didn’t seam that daunting .  It became a habit . Willpower is like any muscle in th body it need to be trained :

Few tips I found :

  • Don’t miss two days in a row , we all slip up but don’t slip up two days as that’s starting to form a bad habit . 
  • Habits are formed by repeating certain task over and over , so take it at your pace .
  • Cut your habit down into chunks .

It’s Monday don’t forget to be awesome 

  

Kill them with success and bury them with a smile 



Tokyo named safest city in the world

I was just reading the Economist’s Intelligence Unit that has released the ranking of the safest major cities in the world, and Tokyo comes out on top.

Of course for anyone that lives here understands and appreciates this .

There was different factors that came into account of the rankings .

•Digital security — This measures the quality of a city’s cybersecurity, the frequency of identity theft, and other factors related to digital security.

•Health security — This metric looks at average life expectancy of a city’s citizens as well as the ratio of hospital beds to the size of the population.

•Infrastructure — This looks at factors like the quality of roads and the number of people who die from natural disasters.

•Personal safety — This category looks at more traditional safety measures like crime, the level of police engagement, and the number of violent crimes.

The rankings were :

1. Tokyo
2. Singapore
3. Osaka
4. Stockholm
5. Amsterdam
6. Sydney
7. Zurich
8. Toronto
9. Melbourne
10. New York

If you like to work in the safest city drop us a email

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Wolves don’t loose sleep over the opinions of sheep

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Investing In Bonds

Investing In Bonds

After Last Year, Is It Still Safe To Invest In Bonds?

Bonds are a good diversifier, when interest rates aren’t at record lows.

Parts of this article were originally published on MakinSenseBabe

Most financial advisors are wussies. They’re too afraid to ditch an old investment playbook that might not work going forward for the same reason we’re too afraid to ditch an old life script that might not be the best thing for us going forward. A script is when different parts of your life feel like variations on the same old story. Living by old scripts is easy, because it’s familiar and therefore comfortable. 

Like, if we’re used to dating people we know we could do better than, just because we’re more afraid of being alone. Or if we’re in a job or career that we don’t like, it’s more comfortable to stay in that job versus starting from scratch with something that may or may not pan out. 

Most people choose what they know and repeat behaviors that they know because the unknown frightens them. 

This is why people got sucker-punched with most of their bond fund investments in 2013. So now financial advisors are standing around scratching their balls trying to figure out if they need to rewrite the rules when it comes to bond investing and adapt to the new environment we’re in. Most are choosing not to. 

The truth is that it’s time to ditch the old bond investing playbook, and here’s why. First…

What Is A Bond?
Imagine you loan your money to the government for 10 years. And the government pays you 3% in interest payments per year for 10 years for that loan. You own a 10-year government bond. 

If you loan your money to a company for 10 years and they pay you 5% interest every year for 10 years, you own a 10-year corporate bond. 

If you own a bond, you gave out a loan and will receive interest in return. 

Why Did The Value Of Some Government Bonds Decrease By Over 10% In 2013? 
Imagine if you loaned your money to a friend for 10 years and they paid you 2% in interest each year. Then imagine the next day they went to another friend and borrowed money from them for 10 years as well. But that other friend said fine, “I will loan you that money, but you need to pay me 3% in interest each year, not 2%.” 

You’re now in a worse situation because that new 10-year loan or bond now pays 3% in interest and yours only pays you 2% in interest each year. 

That’s why, when interest rates go up, the value of existing bonds go down. That’s what happened in 2013. Interest rates hit record lows last year and then went up. 

There are three main assumptions about government bonds that worked over the last 30 years (up until 2013) that need the boot.

Old Bond Playbook vs. New Bond Playbook 

Old bond playbook — “Bonds are safe.” 
New bond playbook — Open your glove compartment. Bonds are about as safe as that melted condom. 

Everyone is used to saying “bonds are safe” because, yes, they have been for the last 30 years. As long as interest rates have been going down, you win on the value of your existing bonds because they’re now worth more since they pay a higher interest rate than the current rate. With interest rates hitting record lows, the opposite has been happening. Bonds aren’t safe. 

Old bond playbook — “Bonds are a good diversifier” 
New bond playbook — Bonds are a good diversifier, when interest rates aren’t at record lows.

Historically, when the stock market sells off, the government bond market rallies. That’s the normal relationship between stocks and government bonds. This is because there’s a “flight to safety” when people get scared in the stock market. They sell stock funds and buy government bond funds because historically, those bonds are safe. 

That relationship works best when interest rates are at average or high levels. So, not right now.

Old bond playbook — “Buy your age in bonds.” If you’re 35, you’d allocate 35% of your investment portfolio to bonds and the percentage would increase as you get older. 
New bond playbook — Tell that to your 65-year-old mom who just lost over 10% in her long-term government bond investments last year. 

Yes, the vast majority of retirees are currently screwed for this reason; they’re not left with many “safe” investment options for their age, given where we are in the interest rate cycle. Buying your age in bonds does not work right now, given interest rates are still well below their long-term average rates and will trend up over time. 

Here’s the bottom line: If you finished this article, congratulations, because, let’s be honest, finance topics are about as fun as watching Lincoln with a history buff. But now that you did, I hope that when you wake up tomorrow you think about a playbook that no longer works in your life and kick it to the curb — along with any other old scripts holding you back.

Kathryn Cicoletti is the founder of MakinSenseBabe, “The Money Site For Non-Finance People. Finance People Are Annoying.” We plow through news that impacts your money and make sense of the important stuff so you can get on with your life. We have no interest in making you a finance whiz, though. Finance whizzes are boring.

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