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Banking, Post offices and Bills

Banking, Post offices and Bills. Ibaraki JET Orientation August 16th 2006. How much money do you get? 給料はいくら貰える？. 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

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Banking, Post offices and Bills

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

  2. How much money do you get?給料はいくら貰える？ • Pay day is the 21st 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…

  3. An example pay slip支給明細書 • 報酬 Remuneration 300,000 • 総支給額 Overall payment 300,000 • 控除額 Deductions • 健康保険 Health Insurance 12,300 • 厚生年金 Pension 21,432 • 雇用保険 Employment insurance 2,400 • 所属税 Income tax 12,460 • 控除額計 Total deductions -48,592 • 現金支給額 Actual Cash paid 251,408

  4. 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) Your bills請求書

  5. How to pay them請求書の払い方 • 振込み Furikomi from an ATM • 自動引落し Automatic Bank Transfer • 現金 Pay in cash at post office Bank/convenience store/ • カード Credit card

  6. Banks銀行 • 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 通帳　(bank book)

  7. ATMS現金自動預け払い機 • 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

  8. Post Offices郵便局 • Open from 9.00am – 5.00pm (some longer, some Sat/Sun too) • www.post.japanpost.jp/english/ • English phone hotline 0570-046-111 • 再配達通知書　Redelivery notice • Post office bank account • Can use foreign cards at Post Office ATMs • Cost of postage

  9. Cost of postage郵便料金 • 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

  10. Courier Services (Takyubin)宅急便 • 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

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