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@neuric The bonus has 2 disadvantages, specially if you were in IT where people tend to stay under 5 years in a company (heck, under 2 years in the USA), but something I've seen very commonly in Japan: Usually you don't receive the "first bonus" that could be e.g. 1-3 months after you join...

@thamtutuhoanglong Things to consider (AFAIK, please double check all of the points): If you don't live there and rent it out, then you are not allowed to keep the home loan and would need to convert to an investment loan. 1oku is a lot of money, used to be almost 1M USD but now sure it's a lot...

@victoria37 How many people care about the earthquake standards when renting out? Sure a % of the population, but probably not big enough to even make a dent on rent pricing. (internal) renovation, distance to the station and area surely play much bigger roles.

@andy44 I don't know about the USA side of things, luckily I'm not from there so I don't have the problems I've heard my American friends have. For good or for bad, those specific examples I haven't checked them out in-depth, but here is my opinion: I think running ads or having associated...

@andy44 Yes, but since you mentioned "passive income" and now "income", it depends on what you actually mean by "income". Income is a very wide term for tax purposes, so for example all of these are considered "income" but they all receive very different tax treatment: a job that pays a fixed...

@halleluyah After the emergency fund, conventional advice is to invest all the extra take-home money instead of keeping millions and millions laying around. Heck, even in purely financial terms even paying off the mortgage early (if you don't have penalty) for +0.5~2% gain is probably better...

@wlc777 This is just not true, again as you said if you have a reason you can negotiate and I've heard of multiple valid cases. Two valid reasons (for different negotiation points) might be that you found the house yourself (small negotiation) and/or that you go with the agent that is already...

@heyitsthatguy1247 I've only seen the very sensible "building prices go down, while land prices stays constant or go up in central areas" everywhere around. Which is also by law BTW (the first half). This is also not JapanLife, please don't make it become the same with this sort of low-quality...

@resjudicata Since OP doesn't seem to be too savvy, iDeco and NISA are investments programs that help any investment gain to be tax-free (lots more complicated, but that's the gist) so you can invest in S&P500 through iDeco/NISA, and that's a double win IMHO. Specially if you don't have a lot of...

@kristhuy JPY cash is arguably an asset with risk, so you ALWAYS have an asset with some risk, no matter what. Sure the JPY might be one of the lowest risk (FX exchanges notwithstanding), but you have the risk of e.g. inflation as well, or robbery/burglary.