日経スペシャル もしものマネー道 もしマネ 2024年12月15日 【マネー特別編】冬の節電術・大掃除100均グッズ・お金の２択問題！年末のお得マネーSP
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TVTranscript
00:00We are back.
00:02Welcome home!
00:04It's cold outside.
00:06Is it that cold?
00:08Yes, yes.
00:10Our family is very strict.
00:12No, no, no.
00:14I can't laugh.
00:16We are like that.
00:18The couple are strict in their family.
00:20This is...
00:22That's why I want to make a new video this year.
00:24I'm going to make a new video.
00:26I'm going to make a new video.
00:28That's why
00:30I'm going to save
00:32my electricity bill this winter.
00:34That's what I want to hear the most.
00:36Are you going to appear in the video this year?
00:38You are going to appear in the video.
00:40There are four bad points
00:42in Sontaro's
00:44electricity saving technique.
00:46There are four bad points
00:48in Sontaro's
00:50electricity saving technique.
00:58Huh?
01:00Did you turn on the air conditioner all morning?
01:02It's this.
01:04It's cold if you turn it off to save electricity.
01:06It's cold if you turn it off to save electricity.
01:08There is an air conditioner.
01:10How many degrees is it?
01:1222 degrees?
01:14Isn't it cold?
01:16No, no.
01:18It's 22 degrees.
01:20That's the point.
01:22It's not cold.
01:24It's 22 degrees
01:26It's 22 degrees.
01:28That's the point.
01:30That's the point.
01:32That's the point.
01:34Do you know that?
01:36Do you know that?
01:38If you dry a towel in the room,
01:40it won't save electricity.
01:42It won't save electricity.
01:44It won't save electricity.
01:46If the humidity is high in the summer,
01:48it will feel hot.
01:50If the humidity is high in the summer,
01:52it will feel hot.
01:54If the humidity is high in the summer,
01:56it will feel hot.
01:58I do this, too.
02:00I do this, too.
02:02It's fun!
02:04That's all I know.
02:06Are you sure this is the right answer?
02:08Are you sure this is the right answer?
02:10Mr. Sasa!
02:12Mom!
02:14It's cold in the basement.
02:16Go to the electric carpet.
02:18I'll make you some tea.
02:20Mr. Sasa?
02:22I'm sorry, but I don't know what it is.
02:26What a couple!
02:28What is this?
02:34Is this a cardboard box?
02:37Did you notice?
02:39I noticed.
02:40Yes, it's a cardboard box.
02:42It's a cardboard box.
02:44If you put a cardboard box on an electric carpet, it will be cut off.
02:48Why?
02:50Because cardboard absorbs heat,
02:54even if the temperature of the electric carpet is low,
02:57the electric carpet will be warm.
03:03I can't stop learning.
03:09What?
03:10What's wrong?
03:11A pot.
03:12The pot is out of power.
03:15That's right.
03:17If you don't use the pot for more than six hours,
03:20it's better to boil it again than to keep it warm.
03:24I see.
03:26It seems to use a lot of electricity when it boils.
03:30Six hours is the limit.
03:32My father doesn't use it much, so I took out the outlet this morning.
03:37I didn't know that.
03:41Oh, my God!
03:45What?
03:47What?
03:48What's wrong?
03:49I'm scared.
03:51Where are you going?
03:56What's going on?
04:00OK!
04:04Why did you close the curtains?
04:07It's not good to close the curtains at 4 p.m. in winter.
04:114 p.m.?
04:13Isn't it too early?
04:15It's not early at all.
04:17If you don't close the curtains before the sun sets, it's meaningless.
04:20What do you mean?
04:22The curtains are like barriers,
04:24so they prevent cold air from entering the room.
04:29And?
04:31And?
04:33This is an electric biplayer.
04:36If you turn the wind of this biplayer to the window,
04:39it will strengthen the barriers and contribute to the power generation.
04:43The wind of the biplayer bounces cold air from the outside,
04:47so it heats the warm room.
04:49Does it mean that cold air doesn't come here?
04:51Mission complete!
04:54What kind of mission is this?
04:57I don't know.
04:59Oh!
05:01What?
05:02Speaking of missions, there was a mission to pick up Somi.
05:06Somi-chan?
05:08Of course!
05:09My father will join that mission.
05:12I'll be back in about 30 minutes.
05:15What about the air conditioner?
05:17You can leave it on.
05:19If you leave it on for about 30 minutes, it will cut off the power generation.
05:22I did it in the summer, too.
05:23The air conditioner starts to work when the electricity comes in.
05:26Is it different in the summer?
05:27It's better not to turn it on or off.
05:29I don't know.
05:31That's it!
05:32Did you find out the four bad points of power generation?
05:40We have curtains at 4 o'clock.
05:43In front of the sunset?
05:44Yes.
05:45Why?
05:46We don't want to let in as much cold air as possible.
05:49I see.
05:50There are four?
05:51There are four.
05:52There are four?
05:55This time, there is a lot of useful information that you need to know.
06:00It's a waste.
06:01You can save 3,300 yen at the entrance.
06:06If you want to cut off the power generation, what should you do with the heating of the air conditioner?
06:12If you don't want to know about money, there's no way you can save it.
06:17Should you save money on health insurance?
06:20Or should you cut it off?
06:24Techniques to save money will be explained in the quiz.
06:30In addition, we will show you a lot of good cleaning goods among the 20,000 items.
06:38It's a good money special at the end of the year that you have to know about.
06:46If you want to save money.
06:50Here are the bad money points for wrong power generation.
06:56It's a bad money to turn the heating to 22 degrees.
07:01If you want to cut off the power generation, the heating should be lower than 22 degrees.
07:06The reason for this is...
07:10The expert of power generation, Kikuno Yano, who is active as a fire advisor and a saving advisor.
07:20What temperature should the heating be set to?
07:25It's 20 degrees.
07:28It's cold.
07:31In the first place, it's not just the heating of the air conditioner.
07:35It's a combination of other things.
07:37The temperature is 20 degrees, which is both warm and cooling.
07:43If you lower the temperature once with heating, the power consumption of the air conditioner will be reduced by 5 to 10%.
07:52If you lower it once, it will be reduced by 5 to 10%.
07:55It's an unbearable cold, isn't it?
07:57Can you stand it?
07:59First of all, let's wear it.
08:00Three necks are important.
08:03Neck, wrist, ankle.
08:06If you warm it up consciously, it will be warm because thick blood vessels are passing through.
08:14Cover the neck and wrist with a neck warmer or high-neck sweater.
08:19It is recommended to wear long socks for ankles.
08:24By the way, how strong is the wind?
08:29This is almost automatic.
08:33Is it automatic?
08:35The wind changes the temperature of the air conditioner subtly.
08:41So it warms you up the least.
08:46The setting is 20 degrees, and the wind is automatic.
08:49If it's cold at 20 degrees, warm your wrists, ankles, and neck.
08:55This is 5 to 10% of 22 degrees.
08:58It's 1,650 yen per year.
08:59Thank you very much.
09:00This is a great comment.
09:02Next, here is a bad comment.
09:06You can't put cardboard on the carpet.
09:10I knew it right away.
09:12I knew it right away.
09:13This is suspicious.
09:15Why not?
09:17Actually, cardboard itself is good.
09:20It's necessary.
09:22I've heard that cardboard is warm.
09:24It's under the electric carpet.
09:26At the bottom?
09:28Cardboard is between the flooring and the hot carpet.
09:33That's right.
09:34If there is no cardboard, the warm air tends to escape to the flooring.
09:40The cold flooring comes up.
09:43Cardboard can be used as insulation.
09:48Even if the temperature of the electric carpet is a little low, the warmth does not escape.
09:55Cardboard can be used as insulation.
09:58I didn't know that.
10:00I don't know if Amazon or Rakuten is better.
10:03Which one is better?
10:04I don't know.
10:06Next, here is a bad comment.
10:09You can't turn the circulator to the window.
10:14Don't you need a circulator?
10:17The circulator is a great help in saving heat.
10:24It's a very important thing.
10:26I learned how to circulate when I was in the car.
10:29The circulator is different from a fan.
10:34A fan is a fan with a wide range of soft and gentle wind to direct the wind to the person.
10:44A circulator is a fan with a wide range of soft and gentle wind to direct the wind to the person.
10:55This is a circulator.
10:58To make use of the function of the circulator, which can only send wind in a straight line,
11:03it is necessary to change the direction of the wind depending on the shape and size of the room.
11:10For example, in a square room or a small room.
11:16The direction of the circulator is up.
11:20It drops the hot air that has accumulated on top.
11:24Up means this high.
11:26I think it's better to be just above.
11:29Then the hot air that has accumulated on top will come down.
11:34This is OK in a square room.
11:38On the other hand, in a rectangular room,
11:40what if there is no one in the direction of the air conditioner outlet?
11:46The hot air that comes out of the air conditioner is directed to the person.
11:51It's a circulator.
11:53It's a circulator that bends like this.
11:56That's interesting.
11:58I saw a video of a circulator facing a window.
12:01That doesn't make sense at all.
12:03It's a circulator that blows cold air around the window.
12:07It's a circulator that blows cold air around the window.
12:09It's a circulator that blows cold air around the window.
12:11That's a good point.
12:13There's one more thing.
12:15Here's the next bad point.
12:18It's a bad idea not to turn off the air conditioner in an outdoor room of about 30 minutes.
12:22That's definitely a bad idea.
12:26In the case of heating, if it's about 30 minutes,
12:30it's basically better to turn it off.
12:33If the outside temperature is more than 3 degrees,
12:38it's better to turn it off frequently.
12:42However, if the outside temperature is less than 3 degrees,
12:45it's better to leave it on.
12:473 degrees is the standard.
12:50So the outside temperature is the point.
12:53That's right.
12:54When it comes to heating,
12:56please check the outside temperature.
12:59I see.
13:00The outside temperature determines whether it's better to leave it on or turn it off.
13:09By the way, in the previous VTR,
13:12there was also a point on how to save electricity.
13:18Here it is.
13:20If you don't use it for more than 6 hours,
13:22it's better to boil the electric pot.
13:25I see.
13:28If you don't use the electric pot for more than 6 hours,
13:33it's better to boil it again.
13:36The data shows that you can save 3,330 yen per year.
13:43In addition, it's a good idea to hang a wet towel in your room.
13:48The temperature of the room depends on the humidity.
13:52If the humidity is increased by 10%,
13:54the temperature of the room will increase by 1 degree.
13:57Even if the heating temperature is low,
13:59if the humidity is high, the room will feel warm.
14:05There was another point on how to save electricity.
14:07Here it is.
14:09If you close the curtain at 4 p.m., it's a good deal.
14:12Mr. Sawamatsu did this, too.
14:14As Mr. Sawamatsu said,
14:17the room is warm in the sunlight.
14:20But when the sun goes down, it gets cold.
14:23In order not to let the warm air escape,
14:25and in order not to let the cold air in,
14:28you have to close the curtain.
14:32If you practice, you'll know.
14:34Even if you go to the tennis court at 4 p.m.,
14:36you'll be cold all of a sudden.
14:38Oh, I see.
14:39I learned this from my body,
14:41so I thought I should close the curtain at 4 p.m.,
14:43so I set an alarm at 4 p.m. every day.
14:45Shut up!
14:47You set an alarm to close the curtain?
14:50Did you get it?
14:51Yes.
14:52You memorized it, right?
14:53Yes, I did.
14:54Now, here's a quick quiz for you two.
14:58The heating temperature in winter
15:00is higher than the temperature in summer.
15:03Why is that?
15:05It's not just the heater.
15:07Oh, the heating temperature in winter.
15:09The heater, electric blanket, electric carpet.
15:13For example, the price of a hot bath.
15:16I'll tell you the answer.
15:18It's a mistake.
15:20Here's the answer.
15:23The temperature difference between the outside and the room is higher in winter.
15:27Ms. Urayano, please.
15:29In the case of summer,
15:31if the outside is 35 degrees and the air conditioner is 27 degrees,
15:35the temperature difference is 8 degrees.
15:38But in winter,
15:40for example, if the outside is 7 degrees and the heater is 20 degrees,
15:4420 degrees may seem low,
15:47but it's still 13 degrees.
15:50I see.
15:51The temperature difference.
15:53The air conditioner is fully operational
15:56up to the setting temperature,
15:58so the temperature difference between the outside and the room is higher.
16:01In winter, the electricity bill is higher.
16:04I see.
16:05That's why you memorized it.
16:07Here's the next quiz.
16:10Please line up the electricity bills.
16:13That's why I'm here today.
16:16Electric carpet, oil heater, air conditioner, electric heater.
16:21A, B, C, D.
16:22Please line up the bills.
16:24Oil heater.
16:25Surprisingly,
16:27although it's full,
16:29the output is...
16:31The output.
16:32Yes, D.
16:33D.
16:34The next one is...
16:37Electric carpet.
16:38D, A.
16:39I think the oil heater is the most expensive.
16:42D, A, C.
16:43Air conditioner.
16:44C, B.
16:45D, A, C.
16:46Final answer.
16:47Mr. Sabat, D, A, C, B.
16:48Yes.
16:50As you can see,
16:52which heating equipment is cheaper?
17:05Which heating equipment is cheaper?
17:11As you can see,
17:13which heating equipment is cheaper?
17:17Here's the answer.
17:19B, C, A, D.
17:21Both of you are wrong.
17:23I didn't even count.
17:25Both of you are wrong.
17:26Surprisingly, the cheapest one is the oil heater.
17:30In recent years,
17:31the oil heater has been equipped with an eco-driving mode
17:34to reduce power consumption.
17:36So, it can reduce the electricity bill.
17:41Such an oil heater can shut down the air conditioner
17:44by placing it on the window sill or the passageway.
17:47So, it can increase the heating effect.
17:51What was the most interesting thing today?
17:53The most interesting thing was the exact opposite of my answer.
17:56You said you wanted to know the most.
17:58I didn't know at all.
17:59It was the exact opposite of my answer.
18:00I learned a lot today.
18:02It was the exact opposite of my answer.
18:05This year, we will clean up for a profit.
18:08We will show you the 100-yen goods recommended by experts.
18:13Who will teach us?
18:16Thank you for your cooperation.
18:17Thank you for your cooperation.
18:20The expert of 100-yen shop,
18:22Ms. Mako Ikeda,
18:24who is active in YouTube and talk show.
18:28The 100-yen shop is a treasure trove of men's cleaning goods.
18:33Moreover, 100-yen goods are available for free,
18:35so it is easy to calculate.
18:37It is also recommended for avoiding buying too much.
18:41There are 20,000 goods which are handled by Seria.
18:46Among those 20,000 goods,
18:48we will introduce 6 men's cleaning goods recommended by experts.
18:53First,
18:55Seria's 100-yen goods
18:58There is a place where a vacuum cleaner cannot enter.
19:02What should I do?
19:03First of all, it is an excellent product that can be easily cleaned by a car that can't reach.
19:09The narrow space is also solved with this.
19:12Skima Long Wiper
19:13Is it sold like this?
19:16This is a thin and long stick type.
19:20This body is sold by Seria.
19:22It is an item that can be cleaned by attaching a dry sheet or a wet sheet sold separately.
19:30If you insert a wet sheet or a dry sheet sold by Seria into the body,
19:34it is ready.
19:37If the sheet is large,
19:38there is no problem if you fold it in advance.
19:44For example, the gap of the sofa that is difficult to reach like this,
19:48this can be easily entered and reached to the back.
19:52It has reached to the back of the wall.
19:55If you move it as it is,
19:59you can remove the garbage like this.
20:03There are also narrow gaps that are difficult to see, such as refrigerators and washing machines,
20:08so it is easy to clean.
20:10In addition,
20:12the cleaning of high-rise buildings also has a length, so it will reach firmly.
20:18Yes, you can remove the dirt like this.
20:22It is a belly net that can be cleaned cleanly from corner to corner of the room with zero electricity.
20:32At the same time,
20:34handbags.
20:35Handbags.
20:36Next, it is a product that allows you to move your fingers freely to clean and sanitize small areas.
20:42You can trust your fingers the most.
20:44How is it?
20:45It is a handbag-type cleaner with alcohol and preservatives.
20:49Wet gloves.
20:51Yes, yes, yes.
20:53It is said that it is effective in cleaning with a brush that is easy to get dirty when hit by rain or wind.
20:58This is a brush.
20:59With fingers.
21:02First of all, he is cleaning with one finger.
21:04Here we go.
21:06Wow, it's beautiful.
21:07Ah, it feels good.
21:08Please look.
21:09I got a lot of dirt.
21:12Is it because it is a finger that it is easy to apply force?
21:16It is easy to apply.
21:18For example, even if there is a place where the dirt was hard to come off,
21:22you can rub it with a pin point,
21:25and you can clean it freely with your fingers, so that is the point.
21:29If you use your palm, you can see the outside of the brush as well.
21:37Yes.
21:38Wow, it's black.
21:41If I have wet gloves, I think I can use a brush.
21:48Because when I find the most fitting finger, I think it's pleasure.
21:52It's like, this finger!
21:54That's true.
21:55Is that pleasure?
21:56It's pleasure.
21:57It's pleasure.
21:59The vent of the air conditioner is also active because it is a glove type.
22:03It's really good.
22:04If you rub it with your fingers,
22:06It seems that the season of cleaning will be over.
22:08you don't have to worry about the part of the feather that is easy to break.
22:12And,
22:15You can wipe it gently in a way that you can rub something that is easy to break.
22:21I'll do it.
22:23You can use your fingers and palms to clean any place freely.
22:29Even if your gloves get dirty with dust,
22:32What do you do?
22:34This is a disposable type,
22:36but if it gets dirty, you can use it in the opposite direction,
22:39so it's even more profitable.
22:41That means you can use it in both front and back?
22:44Yes, you can use it in both.
22:46I'll do it.
22:48The worst is to turn it over again.
22:50No, I don't want to.
22:51I don't want to see your dirty hands.
22:53I won't be caught if I do that.
22:56Speaking of gloves, there are goods that can be used in a different way from the original.
23:01What do you think it is?
23:03This is a rubber glove.
23:06Rubber gloves?
23:07A rubber glove that prevents your hands from getting dirty when you work,
23:11transformed into a cleaning tool?
23:14How do you use it?
23:18For example, on a carpet with long legs,
23:21the pet's hair gets entangled and you can't clean it with a cleaning tool.
23:24In that case, you can use this rubber glove
23:26and rub it like drawing a circle.
23:30You can easily collect the garbage.
23:34The point is to rub it like drawing a circle using the friction of the rubber glove.
23:39The point is to rub it like drawing a circle using the friction of the rubber glove.
23:42It's an attack goods that can remove fine garbage without damaging the carpet.
23:54Tell me about the bath.
23:57Next is a bath cleaner that is very useful when washing the bathtub.
24:03Even in the cold winter, you can wash the bathtub without getting your feet wet.
24:10You can clean the bottom without entering the bathtub.
24:17The bottom?
24:18Moreover, if you look closely, the sponge is curved,
24:22so you can clean the bottom part of the tub according to the shape.
24:28Is it easy to wash to the corner of the bathtub?
24:31Yes, it's very easy to wash.
24:34The angle is 90 degrees,
24:37so you can clean the side while changing the angle according to the situation.
24:46In addition to being able to wash the bathtub without getting your feet wet with this cleaner,
24:51there is a point after washing.
24:55The upper part of the bathtub is in the shape of a hook,
24:59so you can hang it on the barrel after cleaning.
25:05You can put it in the bathroom, so you don't have to worry about your room getting wet.
25:13It's a man's goods that you can easily carry around without worrying about the storage space.
25:25If you have this, you can clean the entire bathtub from the floor to the well.
25:31An all-purpose brush with a secret.
25:36Of course, it is easy to hold with one hand and the floor of the bathroom can be washed,
25:42but what is the big point of this brush?
25:47Please show me this.
25:49One, two, three.
25:51Please show me this.
25:53One, two, three.
25:56You can separate it into two like this.
25:58A baby came out.
26:00A baby brush came out.
26:01A baby brush.
26:02This separate small brush.
26:04This is 100 yen.
26:05Where do you use it?
26:07It's really a good deal.
26:09If it is difficult to reach with a normal sponge,
26:11you can polish the corners firmly with this removed state.
26:22It is a man's goods that can be used according to the place of cleaning.
26:37Next, it is a goods that can be solved if there is a place where the sponge does not reach.
26:42I want this.
26:44Solve small holes where the sponge does not reach.
26:48What can a thin nylon be used for at the tip of a stainless steel stick?
26:59Cleaning goods can be substituted for various things,
27:03but I think that there is no substitute for this shower head hole cleaning goods.
27:10Do you have to wash the shower hole?
27:12No, it's pretty clogged.
27:15It's a little different with a toothpick.
27:17I can't get in.
27:21It is a man's goods that removes fine dirt and secures the flow of water.
27:28From here, it is an application quiz of 100 yen cleaning goods.
27:31It is a goods that can be used in a different way from the original,
27:34such as the rubber gloves that appeared in the VTR.
27:38Please think about how to use the 100 yen cleaning goods introduced from now.
27:43First of all, this is it.
27:45It is a woodworking goods.
27:47What kind of feeling is it?
27:49This is probably a woodworking goods.
27:51Where is it?
27:53It is a product that can be removed cleanly even if it is dry.
27:56Where is that place?
27:57It's there.
27:58It's a toothpick.
28:00It's a toothpick again.
28:04The correct answer is here.
28:06It is a stove gap cleaning.
28:10It was close.
28:12Please explain to Mr. Ikeda.
28:15I apply glue directly to the wood.
28:18Do you put it on the dirty wood?
28:20The point is to put a lot of it.
28:23That's bold.
28:24It's really dirty.
28:25The wood over there is dirty.
28:27Dry it well as it is.
28:29It will be transparent from white in about a day.
28:32One day?
28:33Yes.
28:34All you have to do is peel it off.
28:36Then the dirt will stick.
28:38This looks good.
28:40Can you peel it off easily?
28:41Yes, I can.
28:42This feels good.
28:45Will there be any traces of glue left?
28:48Yes, it's okay.
28:49It's okay.
28:50It's not as good as that gum tape.
28:53If you go to someone's house and see a stove,
28:55you'll want to apply wood glue.
28:59You want to apply it, don't you?
29:01Next is this.
29:04Adhesive tape, so-called gum tape.
29:08It is said to be effective in places where fine dirt accumulates.
29:11What kind of cleaning will it be effective in?
29:17I use it to clean my pet's hair and butt.
29:19That's sticky.
29:20It's sticky, right?
29:21It's normal, but...
29:23I'll give you a hint.
29:24I'll do it with a gesture.
29:26That's a good idea.
29:27Use it.
29:28Roll it up.
29:29Roll it up.
29:30Roll it up.
29:32It's the same.
29:33I'll roll it up, too.
29:35Roll it up a little more.
29:37Roll it up a little more.
29:39I rolled it up.
29:46Especially at this time of year,
29:48it is effective in a troublesome place where cleaning is necessary.
29:53That's great.
29:54What were we doing?
30:00What is the place where adhesive tape is effective in cleaning?
30:05The heater's filter.
30:09That's correct.
30:11I understood the gesture.
30:13Adhesive tape and gum tape are effective in cleaning the air conditioner's filter.
30:17Just roll the gum tape around your hand and tap it.
30:21That's great.
30:23You got it.
30:24That's all.
30:25That's all.
30:26It removes dust with adhesive tape.
30:31It's better than water-resistant.
30:33If you open the veranda,
30:35the dust will come into the room.
30:39This is enough.
30:40It's not a vacuum cleaner.
30:42If you do it at this time, it will take a lot of effort.
30:46You don't have to water it.
30:47You can do it right away.
30:49That's the point.
30:50What were we doing?
30:52If you do it regularly,
30:53you can do it quickly when it's not so dirty.
30:56Peel it off.
30:57Peel off the gum tape and tap it.
30:59That's amazing.
31:01It saves a lot of money.
31:02It's like a meteorite.
31:04It's like a meteorite, but it doesn't stick well.
31:07I want to save money.
31:10For that, I need knowledge of money.
31:14If you don't make a mistake in an important situation,
31:17you can save money.
31:19Money specialist, Okuchi,
31:22will give you the knowledge of money.
31:27First of all, here it is.
31:31Money needed to spend leisurely.
31:35There are various ways to save money,
31:37such as banks, post offices,
31:40and investing in companies.
31:45Question O.
31:48A. You should save money with insurance such as pension insurance.
31:52Question B. You should save money with insurance such as pension insurance.
31:57Which one?
32:01What do you think?
32:03This is A.
32:05You should save money with insurance.
32:09You should save money with insurance.
32:11I'm doing it.
32:13What about you, Saba?
32:14I thought it was B.
32:18You should save money with insurance.
32:20You should save money with savings.
32:22I'm doing it.
32:26There are various ways to save money.
32:28I see.
32:30Here is the answer.
32:32B. You should save money with insurance.
32:34Question C. You should save money with savings.
32:37Okuchi, please explain.
32:39There was a time when people saved money with insurance.
32:42Basically, it's old.
32:44I see.
32:46It's old.
32:48In the end of the Showa era, the interest rate was high.
32:51It was 6.5% or 8%.
32:53If the interest rate was 8%,
32:55it would have doubled in 10 years.
32:58But after that, the interest rate was very low.
33:00And the interest rate was negative.
33:02So insurance companies became more and more operational.
33:05There is no such thing as treasure insurance anymore.
33:09Now that there are more products that can be invested at a low cost,
33:13it is better to think of insurance as something to get a guarantee.
33:22In other words...
33:24Insurance is something to get a guarantee.
33:26If so, it's good to spend on low-cost products.
33:29On the other hand, let's save money with my brother.
33:33That's what I'm thinking now.
33:36Insurance and savings should be separated.
33:39Here are the next two scenarios.
33:44Life insurance that protects the life of the family in the event of an accident.
33:51Life insurance, including medical insurance and cancer insurance, is an indispensable part of daily safety.
33:56The rate of incorporation of life insurance increases by about 90%.
34:02Question.
34:04In other words, life insurance is...
34:06A. Life insurance is necessary.
34:08B. Life insurance is not necessary.
34:10Which one is it?
34:14This is...
34:15It's a very big part.
34:17I'm 55 years old.
34:19I'm 55 years old.
34:21I'm 55 years old.
34:23I'm 55 years old.
34:25I'm 55 years old.
34:27I'm 55 years old.
34:29I'm shocked.
34:31The correct answer is...
34:33I'm here.
34:37My heart stopped.
34:39My heart stopped.
34:41You shouldn't die.
34:43Mr. Ooki, please explain.
34:45It's a trend these days that insurance is not necessary for young people.
34:52I heard a voice saying,
34:54I don't need insurance for young people.
34:58Mr. Ooki says that life insurance is necessary at all times.
35:06However...
35:09It's not necessary for everyone.
35:12For example, if you just got a job and you're going to work, you're a social worker.
35:17A new employee.
35:18Yes.
35:19Even if you die, no one will be financially troubled, right?
35:22And the elderly after all the children have grown up.
35:25So, even if you die, you don't need it.
35:31However, there are many people who pay 30,000 yen every month.
35:39So, I don't need it.
35:41Mr. Ooki, do you have insurance?
35:42I don't have insurance.
35:43You don't have life insurance?
35:44I have zero life insurance.
35:46Why?
35:48I'm old enough.
35:49Even if I die now, my wife won't be troubled.
35:52Dry. Super dry.
35:54I don't need it.
35:56I got it.
35:58Next is this.
36:01Japan, where the aging of the elderly is unstoppable.
36:04The pension system is worried about this.
36:08This is really...
36:10Question.
36:12The pension system is...
36:13A. It will collapse in the meantime.
36:16In the meantime.
36:17B. It won't collapse so easily.
36:21Which one do you think it is?
36:28The answer is B. It won't collapse so easily.
36:33Japan is in a bad situation.
36:37For example, Hokuto no Ken.
36:39It's a world like Mad Max.
36:41It's an unsafe state.
36:42I see.
36:43So, it may collapse.
36:45But it won't collapse.
36:48But on the other hand,
36:50due to the aging of the elderly,
36:52the number of pensioners who pay the insurance will decrease.
36:55What we can't avoid is...
36:58The phenomenon of the pension system.
37:01So...
37:03Mr. Okuchi will show you a technique to get a little more pension.
37:08Please take a note of this.
37:10It's called the Kuri-Sage-Jyu-Kyu.
37:14When you're 65 years old,
37:16you shouldn't take the pension right away.
37:18You should wait until you get it.
37:20When you're 65 years old,
37:21you should wait until you get your pension.
37:24In a month,
37:26the Kuri-Sage-Jyu-Kyu will increase by 0.7%.
37:31In a year, it will increase by 8.4%.
37:34In 5 years, it will increase by 42%.
37:40For example,
37:41if the pension for a 65-year-old couple is 230,000 yen per month,
37:46if you reduce it to 70 years old in 5 years,
37:49the Kuri-Sage-Jyu-Kyu will increase by 326,600 yen per month.
37:55I've heard of it so far.
37:57It's even more amazing from here, right?
37:59That's right.
38:00It's the national pension and the public pension.
38:03This is the pension of the employee.
38:05The national pension is for those who are not employed.
38:08This is for employees and public officials.
38:10In the case of the Kuri-Sage-Jyu-Kyu,
38:14Today's point.
38:15Today's point.
38:20The Manekenja will teach you
38:22how to get a smart pension that is not well known.
38:28The national pension and the public pension
38:31can be used separately in the case of the Kuri-Sage-Jyu-Kyu.
38:35Today's point.
38:36Today's point.
38:37Today's point.
38:38The national pension and the public pension
38:40can be used separately in the case of the Kuri-Sage-Jyu-Kyu.
38:42That's right.
38:43For example, if you are 65 years old,
38:45you can get a public pension,
38:47but you have to wait until you are 70 years old
38:50to get a national pension.
38:52And then, of course, in the case of a couple,
38:55the wife will live longer.
38:57So the wife has to wait until she is 70 years old.
39:00I get it when I'm 65 years old.
39:02You can actually set up a fine balance like that.
39:05That's what I want you to remember.
39:07Here's the next one.
39:11The average pension in the bank is 0.1% per year.
39:16There is a story of investment of 5% or 10% per year in the world.
39:24I don't know.
39:25Question.
39:26Yes.
39:27Is there a 20% investment per year that is definitely profitable?
39:31A. It actually exists.
39:35B. There is no such a delicious story on this earth.
39:39Well, which one?
39:41No.
39:43This is B.
39:46There is no such a delicious story in this world.
39:51The correct answer is here.
39:53Yes, that's right.
39:54It's definitely 20%.
39:56That's right.
39:57There is no such a delicious story on this earth.
40:01Recently, the number of investment frauds using social media has increased.
40:06It has increased dramatically since around 2023.
40:09The number of victims is not limited to the elderly, but from the age of 10 to the age of 80.
40:16The number of investment frauds is rapidly increasing regardless of age.
40:22Therefore, we will give you tips on how to avoid investment frauds.
40:29You need to know the basics of investment.
40:33For example, investment is done by opening an account in a securities company or a bank.
40:40So when someone asks you to put your name in the account, you have to think about why you have to put your name in the account.
40:51Also, the long-term interest rate in Japan is about 1% per year.
40:55The interest rate in the United States is about 4% per year.
40:58There is no way that the interest rate is 15% per month.
41:03Here is the next situation.
41:07Question.
41:09In other words, Japan is...
41:11A. The future is still bright in a rich country.
41:15B. The country is already poor and the future is dark.
41:21This is a big problem.
41:24What kind of problem is this?
41:26This is a big problem.
41:28This is a big problem.
41:29If we win Japan, it will be a party.
41:31That's A.
41:32I want to think it's A.
41:34I think it's B.
41:36Why?
41:38In the tennis industry,
41:40In the past, international tournaments in Japan were very profitable for foreign players.
41:47So many people came.
41:48I see.
41:49Now, in Japan, tournaments are held in poor countries.
41:55In the tennis industry,
41:56Everything is super cheap.
41:58I see.
41:59Here is the correct answer.
42:01Wait a minute.
42:14Here is the correct answer.
42:15Wait a minute.
42:16A. The future is still bright in a rich country.
42:20That's right, Mr. Sawano.
42:21After all, Japan is the 4th largest economy in the world.
42:26Japan has many advantages over other countries.
42:28For example, the unemployment rate is 2.4%.
42:32However, in the United States, it is 4.1%.
42:37It's twice as high as Japan.
42:39So, there are many words that say Japan is bad.
42:44The poverty in Japan is not as luxurious as it used to be.
42:49The poverty in other countries means that there is nothing to eat tomorrow.
42:53You've been saying a lot of negative things lately.
42:57However, if you look at the positive side, Japan is still healthy.
43:01It's a grateful and rich country.
43:03It's best to feel that and live positively.
43:05I think we can do our best in 2025.
43:07Let's do our best.