2018/7/27.  University education: There are some future problems… Recently , I am learning English & programming by Udemy , online education system. Not in courge… And not by professors. No matter which Udemy ’ s teachers have Dr. or not , the reputation by customers are decided. Online education kills university systems , I think. University systems cost a lot of money , the salary for teachers , assistants , and professers. In addition , the research equipments are expensive. So students pay expensive fee for them by education loans. University has 2 or more functions , education and research. But online education takes place in former function. And university education costs cheap , but it is paid a lot , I mean it is CASH COW for university. If university loses their cash cow , what is left in it? High salary and pension. Now university has brand names , but those values are bubble. The values will falls sooner or ...

2018/7/27. Materials & production methods How do riches become rich? Robert Kiyosaki who is famous author , wrote his answer in books. Riches own materials & production methods. I agree this answer. Materials: Food , water , gold , silver , metals... Production methods: Factory , real estates , companies... I think that riches don ’ t have money , they have assets which creates money. And the assets are materials & production methods. So I focus on assets , not money. Paper assets which I can buy in stock markets , are not real assets. Because they are not materials nor production methods. It ’ s difficult for me to get real assets... I need the courage to change my lifestyle. I try to start small things. Materials:Buying gold , silver and platinum. Production methods:Restarting to make Apps.

2018/7/23.  Italy or Japan bonds: Which will be trigger? Just small punch , but big impact to BOJ. Bank of Japan Offers Unlimited Bond Buying After Yields Jump https://www.bloomberg.com/news/articles/2018-07-23/japan-s-bond-yields-jump-on-reports-boj-to-discuss-policy-change I was wrong about next trigger to the collapse of world economy. I thought it was Italy. But Japan may be trigger. BOJ may be surprised at some articles about exit strategy. They are just small punches or observation balloons. BOJ is too surprised , and BOJ knows exit strategy is the weakest point of Japanese Economy. Because there may be NO exit strategy by BOJ. Japan is ending…  Or Japanese government will own all companies thorough Tokyo stock market. Beginning for socialism may be happening.

2018/7/22. Gold price: Falling as Great investor Jim Rogers expected  Gold price $1231@1oz ( 2018/7/22 ) https://goldprice.org Good emotion , I feel. Jim Rogers and other investors are right. The gold price is falling. I want to buy gold which price is under $1000@1oz.  Bitcoins are magic , they will vanish in the electric trash. But gold , gold is real. I think that Japanese stocks are not good. Of course their prices will raise in short term. But in long term view , there is no hope to raise again. Now , Bank of Japan is buying Japanese stocks by Japanese Yen. This means that BOJ is buying assets instead of making Japanese Yen by themselves. I think this trick will keep no longer. Sooner or later , BOJ & Japanese government control the Japanese big companies through the stocks. This is the root to be Socialism. ( In socialism , government owns all assets and method of manufacturing. ) Japan is Being socialism. This is just my opinion. But I f...

Japanese Government Bond(JGB) is Bubble 1.Definition Bubble: used to refer to a good or fortunate situation that is isolated from reality or unlikely to last. (From google search ”bubble definition”) 2.Situation  This is JGB’s 10 years yield chart.   This graph is JAPAN general government net debt in percent of GDP. Debt is increasing, but yield is decreasing. This situation include some contradictions. 3. Opinion about ending JGB Bubble may be next big problem. And it will collapse in 2019-2023. Japanese banks is suffering by low yields and they are surviving by selling past assets. The influence of low yields has been taking rich people’s interest money. Economic deflation was the help for low interest, because the deflation was the reason to serve money in bank.  And I read the book “ 五輪後の日本経済 ” by Sayuri Shirai who was member of Bank Of Japan. She wrote about IMF that they know Japanese government can’t rebuild their finan...

2018/6/18. Swift is for iOS & macOS I am learning “ Hacking macOS with Swift ” on Udemy course. I stopped original app development now. Because I need studying more about Swift.  Also I am learning “ iOS 11& Swift 4 ” on Udemy. Focusing on Swift Programming Language is needed for me. I hope that Swift will be major standard language in Mac world. And there are some signs about it. Swift is easier to learn , use & understand. Maybe there is not major updates after Swift 4. So if someone want to learn programming , stating from Swift is better , and now is good chance to learn. And I am regret about why I didn ’ t start more quickly. I started learning from last November. I could start more quickly!

2018/6/15. Tricky ADs In Japan , there seems to be some tricky ADs about real estates. They are written by author who is not known between normal individuals people. And the ADs are written as normal news. They are written that Tokyo real estates ’ prices would be falling soon. These ADs aim people who bought house , to sell in now. Behind these ADs , there is the situation that used-house is selling a lot and the stocks of used-house being less. And consumer tax will raise in soon , so that used-house ’ sale will be bigger. So letting people who read tricky ADs , sell their house and resale them is the ADs ’ task. Very tricky... 

2018/6/13. Loan is drug Loan Is drug.  Drug is used for ill , and for pleasure of the moment. Loan is used for ill of money , and for pleasure of the moment. Loan avoid facing financial problem with pleasure of the moment.  Drug is used for escaping hard pain in a moment. I think about home loan , student loan and car loan. People usually borrow money for home , education and car. But is it really right? Of course , I couldn ’ t buy education or car without loans. Drugs ( =Loans ) saved me , but I don ’ t want to buy home by loan. Because this drug ( =home loan ) will kill my life. In Japan , there is the myth that home is asset , so borrow money , buy home and return debts for 20-30 years. I don ’ t believe this myth. This myth will kill a lot of workers , because Japanese interest rates will get higher when the government bankrupts. Or before the government bankrupts , the taxes will get higher and the salary will be down. Loan...

2018/6/13. Udemy: Good for self learning  These days , I am using Udemy , online movies site for self learning.  https://www.udemy.com This online movie site is very good for self learning. Honestly , I could release my first app for this site. I learned about Swift AR kit. And Udemy has app for smart phones , so wherever I am , I can learn by movies. 1 course cost approximately ¥1300 ( $12 ) . Real price is higher than it , but Udemy also do sales in low prices. Maybe the price will be higher when Udemy becomes famous.  So if I learn by self , using Udemy is good. And learning by movies is better than books. And books cost equal to Udemy.

2018/6/11. World stock market: Searching trigger ; I am pessimistic to future... I feel that world stock market is searching bear ’ s claws. Just I feel , and I am pessimistic to future , now. Market tries to find next trigger for collapse , but doesn ’ t decide now. So stock market is in box zone and raises a little. I think bear ’ s claw in this time , is from EU. EU has contradiction between weak countries and strong countries with common currency.  Box zone saves bear ’ s power. If it keeps longer , the power is bigger. Every economists know bubble ends in near future , but don ’ t know accurate dates. Stocks , real estates , bonds & materials. Bonds bubble , next stocks & real estates bubbles , and recently materials ’ prices start higher. So bonds bubble ends in near future. When it starts... I don ’ t have any ideas... Or bubble may ends when early adopters escapes just like bitcoin. ( I thought that this finance bubble will end a...

2018/6/10.  “ Like ” vs “ Should ” Basic skills : ( 1 ) Native language ( Japanese ),                         ( 2 ) Accounting ( Household or small business ),                         ( 3 ) Programming ( Swift ) I think that advanced skill is needed when basic skills are enough. ( 1 ) Native language Japanese language… I don ’ t recommend studying Japanese language. Because the learning cost is very high , and the reward is lower by shrinking Japanese population. Cost is high and reward is low , is bad investment. ( 2 ) Accounting I am studying about Accounting , but it is not clear for me how much important in business. And I found that I don ’ t like Accounting as subject… “ Rich dad & poor dad ” by Robert Kiyosaki was very interesting , but other authors ’ book is not so. But to avoid money trouble , I should study...

2018/6/10. Java & Swift I have learned Swift Programming Language. It ’ s suitable for beginners of programming , but return from Swift may lower than I expected... I was wrong about this issue , what language I should learn. Android phones ’ share may be over 70% , but it’s 40-50% in Japan. So I misunderstood that learning how to make iPhone app is useful skill in the world. But in the world , Java programming language is standard in smartphones , and it will be kept. There is another problem about app making. Long & difficult review for iPhone app , this is heavy problem. If I want to release 3 or 4 apps , it takes time more than android apps. I know this review is necessary for brand name “ Apple ” .  Learning cost of Swift is very low , so Swift is good for initial programming language. And return from Java programming , is better than Swift. And I want to add one thing , programming for smart phones is easy to understand what I am learn...

2018/6/8. Thinking about USA vs other G7 countries  Trump ’ s America Isn ’ t Going to the G7 to Make Friends ( or Keep Them ) http://amp.nymag.com/daily/intelligencer/2018/06/trumps-america-isnt-going-to-the-g7-to-make-friends.html I heard the news that there is conflict between USA and other G7 countries , because of trade wars. It ’ s easy making “ vs ”, but difficult making “ & ” . Once , “ vs ” is built , the solution is difficult. And the conflict in G7 will be solved by China government ’ s action , I feel. I mean that if USA shakes hands with China government , other G7 countries will change their minds & attitudes. Because USA & China , their GDP are very big , and if they shake hands , the other countries will have very big fear. And I imagine about USA side , shaking hands with China is not bad choice , if USA want to solve conflict between USA and other G7. ( So on Japanese side , I want to say that Japanese government d...

2018/6/8. 1 app per 1 week My 2nd app is rejected for some mistakes. I fixed mistakes and am retrying for Apple ’ s reviews. I am not super parallel tasking worker. So making 1 app in 1 time is suitable.  Maybe making 1 app per 1 week is best. #I solved some money troubles , and I feel relieved. But my parents want me to work full time job. I think I cannot work full time job... How should I do...