Friday, July 20, 2012

利益の種類

a) 売上 revenue
自社の本業で販売した商品・サービスの売上金額
$40 billion 


b) 売上原価 sales cost
販売した商品の仕入れ金額。
製造業の場合は、材料費や工場の人件費、それ以外の工場で製品を作るのにかかった原価として、製造原価がこれに相当します。


c) 売上総利益 gross operating income
a) - b)。=粗利益。


d)販売費 および 一般管理費
商品を販売するための営業活動にかかった経費や、会社の運営を管理するためにかかった経費の総称のこと。人件費や広告宣伝費、事務所の家賃などがここに該当します。


e)営業利益 operating income
c) - d)。
$6.3 billion 


f)営業外損益 Non-operating Profit and Loss
本業以外に発生した収入や損失、金融機関との取引で発生した利息(受取利息・支払利息)や配当金。

g)経常利益 Ordinary Profit
e) - f)。


h)特別利益 Extraordinary Profit
臨時的に発生した取引で生まれる利益や損失。


i)税引前当期純利益 Net income before tax
g) - h)。


j)法人税等 Tax
国への法人税、都道府県への住民税、事業税など。


k)当期純利益 Net income
i) - j)。最終利益。
$5 billion 
50億ドル


Other Japanese companies - http://www.ullet.com/search/ranking/301.html
Worldwide - http://ycharts.com/rankings/net_income?p=1&s=calc&d=asc


Reference:
「会社の数字が面白いほどわかる本」
http://goodjob.boy.jp/chirashinoura/id/138.html

Sunday, June 24, 2012

Starting Python

Python can be considered as the same kind of programming environment as MATLAB and R. This is FREE tool and it provide MATLAB-like matrix computation. The following step shows how to install this software.

[1] Install Python
Download the latest python from http://www.python.org/ and install it. You'll see




IDLE (Python GUI) is the same as the MATLAB and R interface. By default, the interface is only shell mode and the editor (functionality to create, edit, save the program) doesn't appear. You need to change a setting: Option > Configure IDLE > General > Startup Preferences --- "Open Edit Window". Click "ok" and restart the IDLE, then you'll see the plain editor.



[2] Install scientific modules (SciPy, NymPy, PyLab)
This is optional but necessary for mathematical use of python. Each module can be downloaded and installed from official site. Many sites are saying that you need to compile after downloading it but now this seems not necessary. The building part is done automatically.
Note that this step can be done automatically by installing python with scientific modules in [1] step.

In addition to these 3 modules, I downloaded "learn" from Scikit (http://scikits.appspot.com/learn) to run the example code. Then, to run this  http://pypi.python.org/pypi/setuptools#downloads

[3] Install editor
The built-in editor seems to be too simple. There seems to be no official better editor, but several editors can be found on the internet. Emcas will be the best but the first setting can be complicated. I chose PyScripter. I don't compare all the script editors available, but this is already good and seems enough.



[4] Run run the example code.
em, a python package for Gaussian mixture models (PDF)
This is the same as this blog http://www.ar.media.kyoto-u.ac.jp/members/david/softwares/em/

This has not been working yet....

Thanks - reference.
(Python) http://www16.plala.or.jp/hiyokogumi/8/801.html
(Science modules) http://d.hatena.ne.jp/r_e10/20100514/1273853687
(pkg_reseources) http://packages.python.org/distribute/pkg_resources.html

Wednesday, May 23, 2012

Leak of technology

Leak of technology - Dilemma without magic bullets
http://business.nikkeibp.co.jp/article/topics/20120518/232279/?P=2

Leak of technology is one of the most critical problem in the industry.
There are 5 cases where technology can leak.
1. Mistake (non-intentional)/ Leak (intentional) of employees.
2. Job changes of employees.
3. Incomplete agreements between companies and employees.
4. Mistake (non-intentional)/ Leak (intentional) from the company that had offered technical service.
5. From the information of the manufacturing machines.

Saturday, April 14, 2012

Insurance Card - Carte Vitale



Life Card:
http://www.lifecard.co.jp/card/service/kaigai/lifedesk/4_03.html#kyoten


List of ATM of insurance in Paris
http://www.evous.fr/Assurance-maladie-de-Paris-toutes,1111713.html

Boston info.


Discount store in US
http://www.rossstores.com/
http://www.marshallsonline.com/
http://www.target.com/


Visiting guide from hub.
http://www.boston.com/travel/boston/
http://www.tripadvisor.fr/Attractions-g60745-Activities-Boston_Massachusetts.html
http://www.tripadvisor.fr/Attractions-g60890-Activities-Cambridge_Massachusetts.html

Fixed-term deposit in France

As my credit card was in my stolen wallet, I had to freeze the card and reorder one. The new one has arrived recently at my closest bank office, so I went to pick it up this morning.

THEN, as there are certain amount of deposits in my ordinary deposit account (Compte depôt), I was advised to put some money to their fixed-term deposit and I followed the advise (I have been receiving a call from the bank for this even before).

There are several deposit types, but what I used to be using was only the ordinary deposit.
  • Compte depôt - ZERO interest

The banker advised me to mix of the following two types besides the ordinary one.
  • Livret developpement durable (LDD) - 2.25% / year interest, ceiling 6000 euros
  • Plan d'Epargne logement (PEL) - 2.5%  / year interest, minimum desposit 225 euros, minimum monthly deposit 45 euros. Ceiling 61200 euros.

There is no "freezing" for taking them back, this can be done even online. The interest is added at every beginning of the year. Having several accounts would also be good from security point of view.


PEL: offers mortgage (loan when buying the main residence) with fixed rate (this seems to be the advantage, because http://allabout.co.jp/gm/gc/10548/), after a minimum of 3 years. The rate is fixed at the moment of the subscription. The more money you save, the more the possibility of the amount of the loan is.


----------------------------------------------
(info available from LCL site after log in)

■ QU’EST-CE QUE C’EST ?
Le Plan Épargne Logement (PEL) est un placement à versements réguliers bénéficiant d’un taux d’intérêt garanti. Il permet, après une phase d’épargne, d’obtenir un prêt épargne logement à un taux prédéfini, en vue de financer votre résidence principale (acquisition, construction, travaux). 

■ POURQUOI SOUSCRIRE ?
•Le PEL cumule à la fois les avantages d’un produit d’épargne garanti et les avantages d’un prêt épargne logement dont le taux est connu à l’avance.
•Plus vous épargnez, plus vous augmentez votre possibilité d’emprunt.

Pour la phase d’épargne :
•Votre capital et le taux de rémunération à la souscription sont garantis pendant toute la durée de votre contrat.
•Le PEL offre une capacité d’épargne jusqu’à 61 200 €, hors intérêts cumulés.
•Vous pouvez modifier le montant et la périodicité de vos versements réguliers. Vous pouvez aussi effectuer des versements exceptionnels.
•Vous pouvez disposer de votre épargne en cas de besoin. Le retrait des capitaux épargnés est gratuit. Il entraîne néanmoins la fermeture du PEL. Avant 4 ans, la rémunération et les droits à prêt sont réduits.
•Les intérêts sont exonérés de l’impôt sur le revenu pendant les 12 premières années. Ils sont soumis chaque année aux prélèvements sociaux.

Pour la phase d’emprunt :
•Après une phase d’épargne d’au minimum 3 ans, vous pouvez effectuer une demande de prêt épargne logement (1). Le recours au prêt suppose alors l’étude préalable et l’acceptation de votre dossier par LCL. 
•Le taux du prêt est fixé au moment de la souscription du PEL. Un crédit vous engage et doit être remboursé. Vérifiez vos capacités de remboursement avant de vous engager.