AISubs v3.5
Enembee and Manabu talk about money without knowing how to use money wastefully.
Didn't you make a contract based on your house rent?
Moreover, aren't you saving money desperately now?
That may be meaningless.
At this time, why don't you think about money carefully?
Enembee and Manabu talk about money without knowing how to use money wastefully.
This special lecture is by Morijun sensei, a senior accountant and tax accountant.
Morijun sensei looks like a middle-aged elite who studied accounting in the United States when he was 22 years old.
In fact, his family was very poor.
You dropped out of high school for financial reasons.
You must have had a hard time.
I used to eat grass when I was little.
I was poor.
I didn't have a phone at home, so I didn't have a phone number just by putting my name on the phone book.
I didn't get a call from school, so I went to school without knowing it even when I was in high school.
It's really sad.
It's hard for idols, too.
But Fu-chan has a bag in her house.
Wait a minute! A bag is a bird's...
It's not a bag, it's a comb!
It's not a comb at all!
If it's a bat, you know it, but you don't know it's a bat!
When I put on my clothes and I saw something hanging here, I thought it was a bat.
Is it still there?
Is it from Halloween?
But when we were young, we didn't even know if we copied money.
We did.
We were all really poor.
No, copying money is a crime.
I know that, but...
Please be careful.
You don't use it?
Copying money is a crime, so please be careful.
At first?
Copying machines have a warning system.
If you copy money, you may get a warning.
Please be careful.
It looks like a YouTuber who doesn't know anything will do it.
Someone who doesn't know.
Basically, money supports the economy of a country.
If you use it without permission, the economy of the country will collapse.
That's how much you can think about it.
Wow!
How much?
Air traffic?
The bill at the udon restaurant in Yoshimoto Shinki Station is 10,000 yen for Shimaki George's Pocopoco Head.
If you do that, we'll arrest you all.
That's original.
Before learning about money, let's look at these check items first.
This is a pocket-sized check that you can see in your wallet.
However, there are points cards you don't use every day, receipts from a week or more ago,
amulets and lucky charms, insurance and examination cards, and more than three credit cards.
If you have one of them, please raise your hand.
Only one?
Yes, Yuuri, you only have one. Which one was it?
I have an amulet and lucky charm in it.
You don't have any other four, do you, girls?
If you carry an insurance card or examination card with you, you might lose it, so I only carry it with me when I really need it.
And my parents won't allow me to keep receipts in my wallet.
Wow, that's great.
Well, you only have two, don't you, Saipi and Ayan?
Which one?
Amulet and examination card.
Examination card, you have a lot of them, don't you?
Now, Mitsu.
It's increasing around here, isn't it?
Then, what about four?
- Four, you have a lot of them. - Wow, you have a lot of them.
- Five? - All of them.
- Huh? - Oh, Lena, you have five of them.
- Do you have all of them? - Yes, we do.
Well, for now, I put them all in my wallet and forget about them.
What is this check item?
It's a check for people who are hated for their money.
Which one is which?
People who have two whole checks are lovey dovey.
It doesn't look like you're wasting your money.
People who have three or four checks should be careful.
You might have a loose side to your money.
And...
And five.
People who are hated for their money.
Why?
Everyone likes me.
I don't think I'm hated for my money.
You said you don't have a job.
It's been a while since I've had a job.
You're right.
But I think people like me for my money, too.
People who are hated for their money.
People who are super loose and spend a lot of money.
I don't have money.
The teacher says...
It's important not to waste your money.
It's said to be the top point card.
If you use a point card, you'll get more points.
You'll be able to use it correctly.
However, since you don't have a point card...
You don't have the desire to stop using it.
So it's not good to have it all the time, right?
That's right.
As a simpler method...
If you can guess the amount in your bank account without looking at it...
People like you for your money.
Now, we're talking about money.
But have you noticed that we're almost there, everyone?
Yuuri!
Consumption tax 10%.
Consumption tax 10%!
That's right.
That will be implemented in autumn 2019.
Consumption tax 10% raise, right?
20 years left!
110 years!
I'm going to puke!
One card is 11,000 yen!
Oh, I see.
But there are more things you should be careful about, aren't there?
You have to think more about how you spend your money.
It's about what you should do.
That's right.
Reduce wastefulness! Know-it-all money knowledge!
Now, with the two knowledge we're going to teach you,
the probability of reducing wastefulness will increase.
What kind of knowledge is it?
Know-it-all money knowledge!
You're going to learn how to sell your money.
There are a lot of selling techniques to make money.
I think you often buy unnecessary things without knowing.
By knowing various techniques and standing in the opposite position,
you can reduce wasteful expenses.
I see.
Now, here's the first know-it-all money technique.
It's when you go to a good restaurant.
Which course do you choose?
There are courses for 10,000 yen, courses for 7,500 yen, and courses for 5,000 yen.
For a course for 5,000 yen...
Who wants 5,000 yen?
Mao-kun, Kou-chan, Shion, Rei-chan, and Yamari, right?
7,500 yen!
10,000 yen!
Oh, you don't have 10,000 yen.
Now, let me tell you what you need to know.
There's a selling technique.
It's called "know-it-all money law" that you often buy.
Sensei, what is it?
Yes.
When you have three choices, you often choose the middle one.
7,500 yen was a lot of money back then.
Yes.
It's because you don't want to buy expensive things for a high price.
And you don't want to fail with cheap things.
You choose the middle one out of selfishness.
There's a ratio.
First, 20% of people choose the top one.
50% of people choose the middle one.
And 30% of people choose the bottom one.
Really?
Everyone is like that.
Yes, it was almost 7,500 yen back then.
Even shopkeepers know this, right?
Yes, in this case...
The middle one with a high profit rate...
Putting expensive products on the shop side...
So the shop side knows you're doing this on purpose?
That's right. Even if you know you won't get one, even if you know you won't get a lot of orders, there's a lot of cases where you're preparing.
Damn it!
If you only had 5,000 yen and 7,500 yen, you'd ask for 5,000 yen more.
That's right.
That's amazing.
Asking for 7,500 yen is kind of stingy.
That's right.
How can you damage the shop?
You have that idea now, but you don't need to damage it.
If you're satisfied with it, you can damage it.
Here's the next selling technique.
You were asked to cooperate in a survey in the city, and you decided to cooperate.
In order to answer the question, you have to say "yes" in a loud voice. Is that okay?
Yes!
First one. Are you interested in dieting?
Yes!
Do you want to try it if there's an easy way to lose money?
Yes!
Third, is it easy to lose weight by eating only one diet product a day?
Yes!
What does this mean?
At this point, most people will buy it.
This also means that there is a lack of sales technique, but here it is!
There was a lack of a consistent law of sales technique.
What does this mean?
For example, when you are walking in the city and suddenly you are told to buy a diet product,
you won't buy it, right?
If you are suddenly told, you will be surprised.
But if you are asked to answer a questionnaire, the hurdle goes down.
The first hurdle goes down.
Then you don't want to lie to your own words like "yes, yes",
you want to have consistency, so you say "yes".
There is this truth.
I was deceived the other day.
I was surfing on the internet and there were a lot of questions.
Like "yes" or "no".
When I found what I was looking for, I was able to buy it.
I thought it was really good and bought it.
When did you buy it?
A little while ago. I still wear it now.
But it doesn't get bigger.
It doesn't look like it's getting bigger.
No!
Actually, it does.
Also, isn't there this kind of experience in a real estate agency?
Let's say you want to rent a house for 60,000 yen.
If you have a house for 60,000 yen, please assume you have it.
The first one.
You don't have a house, but everything is perfect.
The size of the bath, the size of the room, everything is perfect.
Even if it's cheap, it's 75,000 yen.
It's expensive.
If you have a house for 60,000 yen and it's 75,000 yen, you don't have a house, but everything is perfect and you don't have a house.
And the next one is...
Did it work?
Even if you rent it, it's 45,000 yen.
And the third one.
If you rent it for 63,000 yen and it's a little higher than you hoped for, but you can afford it.
For example, a window.
If you look at it in this order, don't you agree with the third one?
That's right.
This is also a selling technique.
This one.
It's a selling technique called "anchoring effect".
What is it, teacher?
What is it?
"Anchoring effect" is anger.
Please think of the impression you have in your head.
The first impression you had and 75,000 yen should be in your head.
And after that, the second impression you had and 75,000 yen should be in your head.
And after that, even if it's a little more expensive than you think, it looks like a very good and affordable property.
So, the third impression you had and 75,000 yen should be in your head.
Everyone decides on the third impression.
There is, there is.
So, I'm talking about the price, but the first impression is expensive.
It's a little expensive, but...
I thought, "What is she talking about?"
At first, you were shaking in the office.
What is she talking about?
At first, you show 63,000 yen and think calmly, "Isn't it a little cheaper?"
Because you think it's 60,000 yen at first.
But if you put 75,000 yen between them, your image will go up.
Isn't it this price?
You say like that.
It's a pity.
There is.
It's a little expensive, but...
That's right.
But I think you should be satisfied with it.
That's right.
However, after knowing that there is such a sales method,
I hope you can think about what you really need and what you need and shop properly.
That's good.
Money Knowledge
Next, we will look at the price of things.
First of all, a cup of coffee at a cafe costs about 300 yen.
It's cheap.
The price is from 30 yen to 60 yen.
60 yen.
A cup of coffee.
No way!
Let's take a look at the price of food at once.
Shortcake is that cheap?
There is a strawberry on it.
Orange juice is very cheap.
5 yen.
You can drink 3 to 4 minutes a day.
You can drink.
You can sell a lot in one day.
It's very profitable.
You can buy a cake in one hall for 2,000 to 3,000 yen.
You can do it.
A hall cake costs about 250 yen at the current price.
If you buy the ingredients and make them yourself, you can make something good again.
I would like you to put one of those things in your choice.
And finally, jewelry.
A jewelry price of about 300,000 yen is now 10,000 yen.
No way!
Really?
I had a engagement ring for 270,000 yen.
It's cheap.
Don't say it's cheap.
No, no, it's the current price.
It's 8,000 yen from 270,000 yen.
Really?
Did you have a diamond with you?
I do.
It was just a ring.
I do have a carat with me.
How many carats?
0.3 carats.
It's little.
Don't say it!
It's not sand.
It's a diamond.
It's an orange-colored carat, isn't it?
You can eat it.
It's 0.3 carats.
It's expensive for 0.3 carats.
You can eat it.
You can't eat it.
It's not a carat.
You used to eat it in a liquor store.
What is it, teacher?
It doesn't apply to everything.
However, the price does get higher.
Many people participate in the product.
Advertisements are advertised.
It costs a lot of money.
By getting to know people, you might decide not to buy tea, but to bring it from tomorrow.
Is there anyone who brings tea for lessons?
Great!
Great, Ayan and Marina!
Great!
Ayan doesn't have a water bottle.
Great!
It's a little embarrassing for a man to bring a water bottle like this.
But from the teacher...
It's like a stinginess.
No, I don't think so.
I know what's going on and prepare it in front of me and think about it.
Great!
Then, do you think she's serious about it?
Then, buy it!
She said something while dating and it was a water bottle.
She said something and it was a water bottle.
Yes, yes, yes!
Don't put it like that!
It's a water bottle.
Next, it's a theme that Mori sensei might praise.
The final warning is yet to come. Don't chase it. Waste it.
It's said that there is a terrible waste that falls on anyone in the world.
Here it is!
I'll grow taller for you.
It's called "bibobarai-hasan" (bibobarai-hassan)
Wow!
Can you tell me about it?
"Bibobarai-hasan" is a method of deducing the monthly payment amount and deducing it.
It's like a loan.
I think it's a card you think is convenient, but it has a delay of 15%.
Then it will increase more and more like a snowman.
For example, you borrow 100,000 yen and return 3,000 yen each.
It takes years and years.
So while it takes years and years, interest comes in more and more.
And what you return increases more and more.
For example, if you keep paying for two years and only 20,000 yen has decreased among 100,000 yen.
Wow!
Is it better to pay in one go?
Of course, one go is the best.
But what if you don't have enough money?
There is a bonus one-time payment method that can be done without such a fee.
It is a payment method that can be used even by those who do not have a bonus.
Also, even in the division payment method, two- time division does not cost such a fee.
So if you really need it, I would like you to pay it in two-time division.
But you don't matter. The judge is down.
Stop it!
I want to do "bibobarai-hassan" once.
Can you do it once?
Now, there is something else that Mori sensei would like to say as a topic.
Mori is crazy about savings.
Really?
Don't throw away your savings!
Sensei, why is that?
Now, in a large bank, interest is 0.001%.
What does that mean?
Let's say you have 100,000 yen.
How much do you think it will be in one year?
Estimate.
0.001%.
What remains in your hands after you withdraw your tax money is...
800 yen. Even if you had 100,000 yen, it would only be 800 yen.
What?! You're giving it to the bank now?
Yes, I'm giving it to the bank as regular savings.
During the bubble period, if you were giving away 100,000 yen, hundreds of thousands of yen would come into your hands even if you didn't do anything about it.
But now, it's not like that anymore.
But it's better to save up to some extent, right? Everyone saves up, right?
Save up? Won't you have trouble in the future?
That's true.
For example, when there's an inflation or when the value of your money has fallen, it's risky to save up.
I'd like you to know that saving up can also be risky.
Inflation is when the value of your money has fallen and the price of goods has risen.
On the contrary, inflation is when the value of your money has risen.
It's also possible for a country to collapse due to inflation.
There's something called "Zimbabwe Republic".
Originally, it was the easiest place to live in Africa.
But over ten years ago, the value of your money fell and it became like this.
What's this?
How much is this?
It's 100 billion.
100 billion in Zimbabwe.
It looks like a lot of money, doesn't it? There's a lot of zeros lined up.
100 billion in Zimbabwe dollars.
Every time you say you'll do it, you'll be like, "Yeah!"
You'll be like, "Yeah!"
There's no zeros lined up.
"Yeah!" and you can buy this.
Three raw eggs.
What?
That's too much.
No, no, no.
Three raw eggs.
Three?
Just three?
Is that possible?
If you were saving up and leaving it alone, the people who used to own amazing Zimbabwe would only be able to buy three raw eggs.
That's right.
If you say 100 billion in Zimbabwe, it's a lot of money and you're rich.
As the value of your money decreases, the value of what you own decreases, and you end up with only three raw eggs.
Here's what you should do.
Invest in your own skills.
What?
Sensei, what does this mean?
There's 10,000 yen bill, right?
How much do you think it is now?
To make 10,000 yen bill?
About 5 yen.
It's close, but it's close.
You can make it with about 20 yen, right?
So I think it's best to invest in your own skills.
You're increasing your own value, right?
That's right.
It's not about having money, it's about being able to make money.
That's great!
Now, we will announce this week's "good" and "not good" "idiot" candidates.
Is it a penalty or a reward? It's a tough penalty game.
Then, I will announce it!
This week's "good" candidate is...
A-yan!
I'm glad!
She has made a lot of money.
But, she also made a lot of money for Yamarina.
Yamarina has a lot of self-confidence.
And, this week's "idiot" candidate is...
Fu-chan!
And...
Lena-pyon!
I see!
What's wrong with this answer?
Fu-chan has a bat on her head.
And, Lena-pyon was able to answer all of the questions.
So, she is "idiot" because she doesn't like money.
So, this time, you two will be challenged with "quiz battle royal".
What? Quiz?
Today's theme is "quiz about money".
The one with more correct answers will win, and the one who loses will be called "idiot" today.
I'll do my best!
First question!
The current image of a soldier is...
10,000 yen bill is Yukichi Fukuzawa.
What about 1,000 yen bill?
I don't know!
Seriously?
I can't even draw a face.
What? Wait a minute.
I'm done.
Now, let's open them all at once!
Fu-chan!
Mori Hitoshi-san?
And, Lena-pyon!
Higuchi Goroh!
What's with these letters? I've never seen letters like these!
But, it's like this, right?
No, it's not! The correct answer is...
Noguchi Himeo!
There's someone called "Higuchi Goroh", isn't there?
So, I don't know, but...
Noguchi Himeo's "Noguchi" leads to "Goroh", and...
And, Higuchi Ichio's "Higuchi" leads to "Higuchi".
Higuchi Ichio!
Fu-chan's "Mori Hitoshi" has no explanation at all!
Mori Hitoshi-san, did you say something?
Second question!
American currency is dollars.
Then, what about British currency?
Yes, yes, yes. I know.
Please answer.
Yes, I only have confidence in this.
I don't know!
Euro!
Pei!
The correct answer is...
Pond!
Hey, you two!
This is embarrassing!
Okay, last one!
Money! Write "money" in English!
Fu-chan!
M-o-n-e-y?
Money!
Correct!
You can go now!
I'm sad!
After this, there is a punishment game waiting for you.
So, hurry up and go!
I'm sad!
Dangerous creatures that exceed the sun set land!
In the end, the real thing explodes and dies.
Explosion?! Explosion?!
That creature came to Japan from an unexpected failure!
What are you doing?!
Actually, I was the one who failed.
Emi!