My AdSense Diary

Insurance Agent Duties and Needs Analysis in Accordance with Japanese Financial Services Agency Regulations Insurance Agent Responsibilities Under Japanese Law Insurance agents serve as intermediaries between insurance companies and policyholders, handling premium collection and providing essential product information in accordance with the Insurance Business Act (保険業法). Insurance agents do not bear responsibility for claim payments—this responsibility lies solely with licensed insurance companies as stipulated under Article 3 of the Insurance Business Act. When recommending insurance products, agents must recognize that policyholders may not fully comprehend complex policy terms and conditions. Under Article 300 of the Insurance Business Act and related Financial Services Agency (FSA) supervisory guidelines, insurance agents have a legal obligation to provide clear, accurate explanations of insurance products. Duty of Explanation (説明義務) In compliance with FSA regulations, insurance ag...

VISA/MasterCard Credit Cards vs. Debit Cards: Key Differences The key differences between VISA/MasterCard credit cards and debit cards lie in how transactions are processed, the source of funds, and the cardholder's financial responsibilities: 1. Source of Funds Credit Card : When you use a VISA or MasterCard credit card, you borrow money from a credit line provided by the card issuer. You must repay this amount, typically with interest if the balance is not paid in full within the grace period. Debit Card : When you use a VISA or MasterCard debit card, money is withdrawn directly from your bank account. No borrowing is involved. 2. Payment Process Credit Card : You can pay for purchases immediately or over time. There is a billing cycle (usually monthly), and you receive a statement showing the total amount owed. If you don't pay the full amount by the due date, interest is typically charged on the remaining balance. Debit Card : Payments are deducted immediately or withi...

A General Theory on the Business Application of AI-Generated Deliverables Introduction  Artificial intelligence (AI) has rapidly evolved, transforming various industries and business processes. AI-generated deliverables, such as content, code, and designs, are becoming increasingly prevalent. However, the full potential and challenges of integrating these deliverables into business operations are still being explored. This paper aims to develop a general theory on the business application of AI-generated deliverables, considering their impact on productivity, creativity, quality, and legal implications. Development  The theory posits that AI-generated deliverables can significantly enhance business operations by: Increasing Productivity: AI can automate routine tasks, freeing up human resources to focus on more strategic and creative endeavors. For example, AI-powered writing assistants can draft emails and reports, while AI-driven design tools can generate basic layouts an...

AI-Driven Migration to Open Source Office Solutions With the proliferation of artificial intelligence, significant changes are occurring in PC application software. Several Western European countries have announced their migration from Microsoft 365 to open source office suites, aiming to promote the development of AI-based application software in both public and private sectors. This transition appears to coincide with a broader shift from Windows to Linux operating systems. The primary goal seems to be reducing expenditure on high-specification, expensive PCs by migrating from resource-intensive operating systems to compact, fast-running Linux distributions. This strategic move aims to strengthen competitiveness by commercializing a wide range of innovative technologies, including AI applications, while integrating them with key technologies developed by small and medium-sized enterprises. Following this trend, I have also migrated from Microsoft 365 to an open source office suite. H...

Hello AdSense Fans Today, I will share my thoughts without using a translator or AI assistance. Over the past couple of weeks, I have joined the Rakuten Super Sale Affiliate Program on my other blog. The URL is below: https://ameblo.jp/dive-de-smart-22/ The title is "Dive de Smart Akkiy's blog." Note: The content of this blog is written in Japanese. On that blog, I use AI technology to compose sentences for sales content. It makes creating sentences very easy. I feel it's truly miraculous work and absolutely wonderful. However, all users who create content with AI technology need to be careful about the products they promote. After creating sentences with prompts, you should always check and review the generated content. I need to improve my skills in using AI technology, for example, learning how to craft effective prompts and select the right keywords to create well-suited sentences without putting stress on the AI system. This will require dedicated effort to devel...

AI Image and Video Generation Experience Hello AdSense enthusiasts, I recently experimented with AI-powered image and video generation. Since what I experienced was a demonstration, I believe the accuracy may have been lower than usual, but I was still able to achieve some results. Normally, I would present evidence of my work, but to avoid potential copyright and ownership issues, I will not display the results here. I attempted to test the system with exaggerated, unethical prompts, and it appears that AI systems have built-in safeguards. When unethical prompts are entered, the system displays warnings or refuses to generate content that a person with standard ethical guidelines would not post. It seems advisable to use ethically-constructed prompts when working with these AI tools. From a budget perspective, the cost is approximately $10 to $20 per month. Since I'm still new to this field, I plan to spend a few months learning before making any significant financial investment. ...

Business Registration Update This evening, I received a letter from the local tax office. To my surprise, it was a notification regarding the distribution of the invoicing system number that I had applied for just a few days ago. The invoicing number is a 13-digit alphanumeric code starting with 'T' and is required for eligible invoices. I was expecting to receive this communication around March 8th, but the notification arrived three days early. I promptly entered the information into the required fields for registration. Although I am planning to operate an e-commerce shopping site, I also need to submit a notification for dealing in second-hand goods. Since my main focus is on D2C drop-shipping, this falls under the category of second-hand dealing business, which creates an obligation to submit such notification. It appears that simply purchasing products from wholesalers and selling them does not require registration as a second-hand dealer. For proper classification, it is...