Banking, Post offices and Bills Ibaraki JET Orientation August 16th 2006.

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Presentation transcript:

Banking, Post offices and Bills Ibaraki JET Orientation August 16th 2006

How much money do you get? Pay day is the 21 st of each month Your wage = 3,600,000 yen/year That equals 300,000 yen/month After deductions = 250,000yen in your pocket And you give the PAs 50,000 yen because you love them …

An example pay slip Remuneration 300,000 Overall payment300,000 Deductions Health Insurance12,300 Pension21,432 Employment insurance2,400 Income tax12,460 Total deductions-48,592 Actual Cash paid251,408

Your bills Utility Bills/Expenses Rent Electricity Gas Water Home Phone Cell phones Internet Pay TV Extra Expenses Food Travel (trains, gas) School lunches Enkai Fund Weekend fun Parking (optional) Car Insurance (optional)

How to pay them Furikomi from an ATM Automatic Bank Transfer Pay in cash at post office Bank/convenience store/ Credit card

Banks Cash based society Limited opening and closing times 9.00am – 3.00pm You need a gaijin card and hanko to open an account Your BOE will choose your bank for you Joyo Bank only in Ibaraki/Tokyo Makes it hard if you travel outside of the pref. Don t lose your (bank book)

ATMS ATMs have strange opening times 24 hours banking? You can use ATMs at convenience stores but extra fees apply (110 yen) Not all convenience store ATMs are 24 hours … Cards from home International VISA cards don t work at normal ATMs even if they say VISA International Cirrus cards don t work at normal ATMs Citibank has many branches/ATMS in Tokyo. ATMs are open 24 hours

Post Offices Open from 9.00am – 5.00pm (some longer, some Sat/Sun too) English phone hotline Redelivery notice Post office bank account Can use foreign cards at Post Office ATMs Cost of postage

Letters Standard size up to 25g – 110 yen Postcard Standard rate of 70 yen anywhere Packages Cheaper if no letter inside Different prices for large packets and boxes 36,650 yen for 30kg box AIRMAIL 26,550 yen for SAL 13,750 yen for Surface

Courier Services (Takyubin) Cheap and fast way to send packages within Japan Pickup from house/local convenience store Cheaper rates for suitcases, ski equipment, bicycles, golf bags etc Possible to send to airport Pay on delivery / COD Great for internet shopping