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May 27, 2006



I can also recommend HSBC for online savings - right now they have 4.65% interest, only $1.00 to open, and limits on withdrawals (they give you an ATM card).


Thanks for the additional info.! With HSBC, can everything be completed via web or do they have to mail you information to sign and complete?

One of the main reasons I went with ING was because new customers aren't required to wait on documents to arrive via mail.

--Sista in Tokyo


ideally you can do this electronically over the net. But somehow my info was problematic (duh - hasn't it always been?) and I had to send a check via snail mail to get the account started. Still it is easy - very easy - and worth the extra effort for no fees and a higher interest rate. Sistahs take control of your finances!


Hi there,

Nice site by the way.

I notice you mentioned you were thinking of moving to Tokyo. Perhaps you've already got a place to live all sorted out, but if not, let me give you two money related tips (sort of on topic).

1) Company contracts. See if your company will offer to have the contract in their name. This not only reduces the chance of getting rejected for not being Japanese (I was once before I tried to company contract, and it was pretty demoralising) but I believe it can also have a small tax benefit.

2) Negotiate! I flippantly told an estate agent I would only consider one particular apartment if they dropped the reikin (in my case 150000, all totally non-refundable). To my surprise they agreed. I found those big upfront costs very off-putting at first, but if you're prepared to shop around you might find some place where they'll waiver them.

Hope this helps, and good luck in Tokyo!


Fiancial confessions of a college graduate is a blog written by a sister who has a lot in common with you. She lives in Toyoko and has decided to hold of on law school for now. She is big on discussing money issues, so I would advise you to check out her site if you have a chance. You can also check out my blog if you have the chance [email protected]


It may be expensive in Tokyo, but think of how much fun you will have! And how much money you can spend on bright hair extensions and over the top make up to fit in with the young ones!


Some people really tend to go overboard with their shopping. Specially when they're in another place or country. Be sure to set a budget and allocate how much you can afford to spend for shopping and stick to it.

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