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Revolutでレボリューション

私は日本で給料をもらって暮らしていますが、リスクヘッジと多様な運用をするためにアメリカと香港に銀行の口座を持っており、資産分散しています。

日本で得た円をどうやってこれらの銀行に送金するかが考慮事項なのですが、日本の銀行で海外送金をするとコストがものすごくかかるので、オンラインの海外送金サービスをいくつか試してみましたが、どれも1回2000円ぐらいの手数料はどうしてもかかってしまいます。まとまったお金を送金するのならいいのですが、数万円程度のお金を送るのにこれではもったいない気がします。

この問題はペイパルのアカウントを2つ持てば解決できます。別々のメールアドレス2つを使ってペイパルのアカウントを2つ申し込み、片方のアカウントに日本の銀行のデビットカードを登録し、もう片方にアメリカの銀行口座をひもづけます。そして日本の銀行のデビットカードを登録したアカウントにログインして、そのデビットカード払いで、アメリカの銀行口座があるほうのアカウント宛に送金(支払い)をします。そのあとログアウトしてもう一つのアカウントにログインすると、送金した分のお金が(手数料を惹かれた形で)入金されているので、それを米ドルに両替して、登録したアメリカの銀行口座に引き出すということをすれば、少額の送金なら手数料が安くてすみます。ただし日本在住者は香港の銀行はひもづけられないようなので、このやり方では香港の銀行に送金することはできません。

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American Lifestyle 米国ライフスタイル British Lifestyle 英国ライフスタイル Business and the Economy ビジネスと経済 Cryptocurrency 仮想通貨 Japanese Policy 日本の制度 Venture Capital ベンチャーキャピタル Wireless and Mobile 携帯・モバイル

Revolution with Revolut

I live in Japan. I have bank accounts in Japan to get a monthly income and make regular payments. Besides, I have bank accounts in the United States and Hong Kong to put some of my money into different banks in different places with different currencies to minimize the risk. I manage my assets in these countries because there are more options for investment than in Japan.

A consideration is how to transfer the money you get in Japan to a foreign bank account. Wire transfer at a banking institute in Japan costs very much. I tried some online international money transfer services. All of these services require no less than 2,000 JPY of fee per transaction, so sending tens of thousand Yen with these services is costly.

Having two Paypal accounts can resolve this problem. I got two Paypal accounts with my different email addresses and linked one of the Paypal accounts to a debit card of the bank account in Japan and the other to the bank account in the US. When money was credited to the Japan bank account, I logged in to the Paypal account linked to the debit card and sent money with the debit card to the Paypal account linked to the US bank account. Then I logged out and logged in to the other Paypal account, and I withdrew money credited to the account to the US bank account linked to the Paypal account. The fee is cheaper as long as you send a small amount of money. However, you cannot send money from Japan to Hong Kong because if you live in Japan, your Paypal account does not allow you to link to any bank accounts in Hong Kong.

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Business and the Economy ビジネスと経済 Computer Science コンピュータサイエンス Eating and Cooking 食・料理 Health and Medicine 健康と医療 Japanese Culture 日本の文化 Japanese Policy 日本の制度 Japanese Politics 日本の政治 Manufacturing 製造業 Marketing マーケティング Traveling 旅行

アフターコロナでどう変わる?

コロナが世界中に広まっていますね。ジョンズ・ホプキンス大学によると4月29日時点で3百10万人以上が感染して、20万人以上が亡くなっているそうです。ここ東京も例外ではありません。

そのせいで、世界中の人々が行動変容を迫られ、何ヶ月も外出禁止になったり、医療関係者、消防士、警察官、スーパーの店員、清掃作業員、配達人、公共交通機関に従事する人などのエッセンシャルワーカーは感染の恐怖に直面しながら外で働いているわけです。

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Business and the Economy ビジネスと経済 Computer Science コンピュータサイエンス Eating and Cooking 食・料理 Health and Medicine 健康と医療 Japanese Culture 日本の文化 Japanese Policy 日本の制度 Japanese Politics 日本の政治 Manufacturing 製造業 Marketing マーケティング Traveling 旅行

Changes of the world from COVID-19

COVID-19 is dreadfully spreading throughout the world, hospitalizing more than 3,100,000 people and taking the lives of more than 200,000 patients as of April 29, according to Johns Hopkins University. It is no exceptions here in Tokyo.

The virus is forcing all people in the world to change their lifestyles. Many have been grounded for months. Essential workers, such as doctors, healthcare workers, firefighters, law enforcement officers, supermarket clerks, garbage collectors, delivery servicepersons, and staff involved in public transportation, work outside facing the fear of infection.

I’ve been staying at my house in Tokyo for almost two months. Although the confirmed cases and the death toll in Japan are lower than those in the United States, there are hundreds of cases tested positive and dozens of casualties every day. People are requested to refrain from non-essential journeys and maintain proper social distancing like the US and other countries to avoid causing overshooting of patients. These days I work from home, watch TV, surf the internet, read e-books, have meals delivered at the door, eat them, and sleep in the bed.

Nobody knows when this inconvenience ends. Some say that it will take 18 months for everything to get back to normal. Others say that it will never return to what it was before the outbreak. Since public health specialists say that the situation in Tokyo is three weeks behind that in New York City, the Metropolitan Government will probably lift the de facto lockdown no sooner than three weeks after NYC. As of today, no countries reopened business yet.

I’m at home all day long, unless I buy foods at the grocery store or wash my laundry at the laundromat. I have much more time to think about what the world will become in forthcoming years. Here’s what I think the world will change:

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第三次世界大戦の序章

令和二年は悪夢で始まったようです。正確に言うと年のはじめには、2ヶ月後にこうなってるなどと誰も予測し得なかったのです。言うまでもなく、いま世界全体が戦っているもの、つまりコロナウイルスの話です。

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American Lifestyle 米国ライフスタイル British Lifestyle 英国ライフスタイル Business and the Economy ビジネスと経済 China 中国情勢 Emergent Democracy 新興国の民主主義 Global Politics 国際政治 Global Voices 世界の声 Human Rights 人権 Japanese Policy 日本の制度 Japanese Politics 日本の政治 People 人 Privacy プライバシー Reforming Japanese Democracy 民主主義改革 Traveling 旅行 US Policy and Politics 米国の制度と政治 Warblogging 戦争 Yuki's Diary 日記

Prelude to WWIII

The second year of the Reiwa period began with a nightmare. More precisely, at the beginning of the year, nobody could predict what would be going on just two months later. I am talking about what the entire world is fighting against—COVID-19.

The coronavirus outbreak has been an urgent global issue. It was just the case of people in a limited area of a particular country, or poor, rich travelers within a trapped gorgeous cruise ship in February. Only a few weeks later, however, it became the case relevant in most parts of the world. Now the situation is changing day by day. For days, thousands of people around the world have been newly hospitalized due to this disease. More than 10,000 patients have died from it in China, Japan, Iran, Italy, Spain, Germany, France, the United States, and more.

The World Health Organization declared a pandemic. Lockdown is underway in many cities and even nationwide in some countries. Going out for non-essential reasons is banned or discouraged. People are forced to stay home and keep six feet away from others so as not to be six feet under.

The lockdown has had a massive impact on the world economy. The Dow Jones Industrial Average fell by around 1,000 points this month with circuit breakers taking effect many times. The share price of Boeing has become less than a third for weeks. This financial crisis is even worse than those in the great depression in 1929.

That is true with Japan. Here in Tokyo, the governor stated that lockdown in Tokyo is likely because patients tested positive are increasing every day by more than the number of cases a day before. She requested Tokyoites for being home this weekend except for essential business.

People in Japan look afraid of a state of emergency being declared and lockdown being issued. I hate to say that, but I’m sure that these will be near. I think lockdown orders will be released in weeks or even in days because we see other civilized countries being already like this.

Lockdown being inevitable, how should we do? Most people will be forced to stay away from their workplaces, such as offices, farms, fishing grounds, milk plants, and factories. Then it is likely to run short of various things needed for daily life. As a result, the production of foods and groceries will be severely restricted.

Once supply cease, panic buying is likely to take place. This action must be blamed as antisocial behavior since not all households have enough money or means to get what they need. It will be difficult to supply daily necessities if panic buying occurs, because the distribution system will be burdened more than usual, and the distribution of domestic inventory will be unfair. Participating in such panic buying is nothing but not only exposing your low awareness of social solidarity, that is, lack of knowledge that society will not be established if we do our own things, but also proving that you have neglected to be prepared and save in case of an emergency.

We have no choice but to secure the needed supplies for the time being before lockdown takes effect. It would help us a lot to find out what people in countries where lockdown is already in place are doing.

This experience gives us the following important suggestions and lessons: the fact that even the most rights-sensitive liberal nations can easily and quickly control individual’s rights and freedom before the impending crisis. It means that, once an emergency happens, the rights of individuals are insignificant and vulnerable.

What is happening in front of us now seems like a dry run exercise for the third world war. I think it is likely to occur in the coming decades because it is a very similar situation where a big earthquake occurred in 1923, the world financial crisis in 1929, and WWII 12 years later. Likewise, the big earthquake and tsunami happened in 2011, and the economic crisis derived from the coronavirus epidemic eight years later. Now the world is divided. Each country is isolated and closing its borders. How many years is left for us to see those countries to collide?

The time is right to be prepared for in the future. Divide your assets into some pieces and save them in different countries. If possible, have multiple places to live and jobs in two or more countries. Having as many life options as possible will save you in this volatile future with many uncertainties.

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Business and the Economy ビジネスと経済 Global Politics 国際政治 Global Voices 世界の声 Marketing マーケティング Yuki's Diary 日記

グローバル化の終わり

私が就職したのは、90年代終わりごろの「失われた10年」と言われた不況の時代の日本で、会社からよく「グローバルマインドを持て」と言われたものでした。

2000年までには、「グローバル」や「グローバル化」という言葉が、次なる新たなミレニアムを生き抜くためのキーワード(ときにはバズワード)として、ドットコムバブルとともにやってきました。当時は、TOEICのスコアを上げさせられたり、MECEだのSWOT分析だのロジカルシンキングの手法をマスターさせられたり、とにかく日本的な古いワークスタイルを廃して、グローバルな(といってもほとんどアメリカのですが)考え方に慣れるようにハッパをかけられたものです。

ところが2006年にライブドアショックがあり、IT長者たちが凋落していくのを目のあたりにすると、人は、アメリカ式のやり方ではうまくいかないと気づき、また日本を見直し始め、日本の良いものを再評価するようになりました。会社でも「日本品質」とか言い始めて、グローバルサービスよりもドメスティックなほうに目を向け始めたころでした。

2010年代になると、今までの内向き志向がまたぞろグローバルに向かい始め、日本企業がまた海外進出するようになりました。今度はアメリカだけじゃなく、インドや中国、ロシア、ブラジル、東南アジアやアフリカなどの第三世界に出て行って、会社のサービスもそういう企業のニーズや要望に沿うようなグローバルサービスが増えていきました。

また2010年代は移動の時代でもあり、LCCの台頭によって低価格で海外に行けるようになりました。外国と行き来する人を見ることはどこでも日常的になりました。

こうして見ると、グローバルとローカル、人々の志向は5~6年ごとに行ったり来たりしているように見えます。その伝でいくと、そういうグローバルな世界というのはもうそろそろ終わりそうに思います。今週、英国の国民投票でEU離脱を決めたのは、その最も象徴的なものではないでしょうか。ほかにもフランスやイタリア、スペインなど、移民の流入やそれに伴うヨーロッパ内のテロに悩まされている国で同様の動きがあると聞きます。

同様に、アメリカでも、ドナルド・トランプ氏が、国境に壁を造り、メキシコ人やイスラム教徒をシャットアウトしろと言って、保守的で比較的貧困層のアメリカ民衆から熱狂的な支持を受けています。対抗馬のヒラリー・クリントン氏でさえ、TPPには反対するなど、保護主義的な主張をしています。日本でも、旗を持った過激な愛国主義者たちが通りに繰り出し、隣国人は出て行けと言ってヘイトスピーチをするようになりました。

思うに、今は時代のターニング・ポイントで、これから「グローバルな世界」はなくなっていくでしょう。民衆は自分の国のことだけを考えるようになり、そこここで紛争や、場合によっては武力衝突が起こるかもしれません。これから5~6年、少なくともトランプ氏かヒラリー氏の大統領の任期の間はそうなると思います。できることは、そういう世界を傍観しながら、将来状況がどう変わっても対処できるように、選択肢をできるだけ多く持っておくことではないでしょうか。

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Business and the Economy ビジネスと経済 Global Voices 世界の声 Japanese Culture 日本の文化 Marketing マーケティング

The end of globalisation

When I started my career in the late 1990s, my employer encouraged us to have a global mind to cope with Japan’s recession so-called “the lost decade”. By 2000, the words “global” and “globalisation” were used as the keywords — and sometimes buzzwords — for surviving the upcoming new millennium, followed by the dot-com bubble. My coworkers and I were pressured to raise TOEIC scores, to learn SWOT analysis, MECE, and other terms of logical thinking, to abandon obsolete Japanese work style and get accustomed to the global — in many cases American — way of thinking. 

In 2006, those ideas were changed. Seeing the Livedoor scandals and accompanying the downfall of dot-com millionaires, Japanese people found out that the American way did not work. Instead, they began taking a second look at their own country and reviewing the good things of it. The company I worked for focused on the products for domestic customers rather than overseas ones, with “the Japan quality” as its corporate philosophy.

Starting in the 2010s, people’s inward-oriented views were changing global again. Japanese enterprises were going out overseas, not only to the United States at that time but to the Third World such as India, China, Russia, Brazil, and Southeast Asian and African countries. I had more and more opportunities to get involved in the services offered to such customers going to those countries to meet their needs and demands.

The first half of the 2010s was the year of transportation. Low-cost carriers helped people fly abroad at low airfares. Everywhere you can see people travelling to and from all over the world regularly.

Yet you see that people’s favour of the global-oriented mind or the local-oriented one swings from side to side every five or six years. That being the case, such a globalised world will come to an end shortly. The event that happened this week in the United Kingdom showed that the most symbolically. The referendum determined the UK to leave the European Union it had joined in 1973. Other European countries like France, Italy, and Spain begin the preparation of such referendum whether they should leave or remain in the EU by some people tired of enormous numbers of immigrants from the Middle East and accompanying terrorist attacks occurring inside Europe. 

Likewise, in the United States, Donald Trump, saying that a wall should be built on the border to shut out Mexicans and Muslims, has the enthusiastic support of the conservative and relatively poor American population. Even Hillary Clinton, one of the rival candidates of Trump, says that she is against the US to join the Trans-Pacific Partnership. In Japan, some nationalistic extremists carrying patriotic flags with them are making a hate speech on the street, saying that the people from neighbouring countries should get out of Japan and go back to their own country.

I think that now is the turning point of the era and there will be no more “globalised World” from now on. People of each country will pay attention only inside their own country. A dispute or, in some cases, an armed clash may begin between some countries. Such an era will last five or six years, at least Trump or Clinton’s presidential term. What we can do right now might be to look at such the World and to have as many options as possible to be able to cope with the future fluctuation of circumstances.

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Business and the Economy ビジネスと経済 Computer Science コンピュータサイエンス NTT Yuki's Diary 日記

ITILv3 Foundation

この前受けた英語版ITILv3 Foundationが受かってました!

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Business and the Economy ビジネスと経済 Computer Science コンピュータサイエンス NTT Yuki's Diary 日記

ITILv3 Foundation

I’ve got a certificate that I’ve passed the ITILv3 Foundation I had taken last December!

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