Your Dream Is Calling: You Really Can Retire in Japan

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Posted by Daniel | Posted in Uncategorized | Posted on 22-02-2017

Japan – the Land of the Rising Sun – is a special place. If your dream of living and retiring in Japan seems out of reach, think again.

It’s true that Japan has, in recent years, been an incredibly expensive place to live. But, times are changing. Make no mistake, living and retiring in Japan is still a financial challenge. You can do it, however, if you plan ahead.

Full Speed Ahead Retirement Planning

It doesn’t matter where you’re thinking of retiring, some things stay the same. Developing safe retirement strategies is still the most effective way to prepare for retirement, but is even more important if Japan is your destination.

Retirement planning, achieving your financial goals and understanding what you need to do to live a financially secure retirement in Japan before you go is vital. Consider meeting with a professional financial manager who can help you develop a plan.

Where to Live?

Renting an apartment in Japan is costly. Apartments in Tokyo, and other major Japanese cities, are probably smaller than you’re used to and a whole lot more expensive. Living outside of city centres will help keep costs down somewhat. Utilities are also expensive in Japan, but just like anywhere else, save money by monitoring and cutting back on water, electrical and gas usage.

Japan is free of regulations when it comes to foreigners buying real estate. That’s great if you have the cash on hand. It’s not so great if you expect to finance your purchase through a Japanese institution. You’ll have to meet stringent requirements to do so. Your best bet is to secure financing elsewhere or pay cash.

Guarding Your Health

Japan’s health care system is innovative and advanced. You will be required to register with one of Japan’s two public health insurance options: the National Health Insurance or the Employee’s’ Health Insurance. You’ll pay monthly premiums, the amount of which is based on where you live and your income. In addition, you’ll pay approximately 30 percent of medical costs yourself. Private insurance options are also available.

Save Money & Live Better

Japan is a land of mystical wonders. Filled with 18 World Heritage Sites, scenic beauty, ancient culture, epicurean delights, historic monuments, castles and natural hot springs, it’s no surprise that 2 million expats from around the world live, work and retire in Japan. Retiring well in Japan means planning ahead and learning to live on less. Once you’re there, follow these tips to save:

  • Get around using local rail or tram services. If you’re planning a day of shopping or sightseeing, you’ll save more if you purchase a Day Pass.
  • Regional rail passes are an affordable way to explore specific regions of the country.
  • Long-distance buses are less expensive than bullet trains. Of course, the trip will take three to four times longer, but Japan’s long-distance buses are roomy and comfortable.
  • Tour the free sights. There are plenty of free attractions you can visit no matter where you choose to live. Public markets, Shinto shrines, dazzling architecture and beautiful parks are just a few of the choices you’ll have.
  • Avoid tourist traps when eating out. Eat at affordable, local eateries. Tipping is not a custom in Japan, so you’ll save a little there, too.

Bank Scams

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Posted by MJTM | Posted in Financial | Posted on 10-02-2017

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It is very important to trust whoever has access to your money. You work hard for it. When you  think of banks, you would like to think of them as trustworthy institutions since they are responsible for the populations most important valuables. However, in recent history there has been known to be some scandal with banks that causes consumers to question their integrity.

Quota Scam

Bank workers have quotas to meet, they are essentially salesmen trying to earn commission when it comes to opening bank accounts. Some banks have been  known to take it a bit too far and open up accounts and credit cards without clients knowing to meet these quotas. This is what happened at Wells Fargo. Managers were using unethical measures to inflate sales numbers. After the class action suit was filed, it lead to a large number of employees being fired and millions of dollars spent in fines and reimbursements to clients.

PPI Scam

Payment Protection Insurance (PPI) is an insurance that your debts will be paid in the event of a death, lost job, catastrophe, etc. The idea sounds amazing but unfortunately there are businesses which are taking advantage of consumers. Often times, banks can lump these policies in with mortgages, automobile loans and credit cards without even fully informing the client. This is easy to do because all of these items involve large amounts of paperwork. PPI claims as described here can be filed

Many banks have been guilty of this scam, but a major global bank who got caught doing this is Barclays. Barclays have been taking hits on PPI claims for over the past decade.

Fee Scam

Every bank has ways of making money, one of them is through fees. They charge overdraft fees, transaction fees and fees for different services. There are many class action suits filed against large banks because of the unlawful charges or even incorrectly classified charges.

Bank of America recently made a $27.5 million settlement for unfairly assessing overdraft fees on certain debit cards. Bank of America still claims this did not occur but they reached that settlement amount.

When a global bank goes through something like this, it is a publicity nightmare. As I previously mentioned, it makes people not trust their bank and want to move their money elsewhere. Banks are so regulated but it seems that situations like these slip through the cracks.

Being Money-Smart in a New City

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Posted by MJTM | Posted in Miscellaneous | Posted on 31-01-2017

Ah, home sweet home. You’re happily kicked back in your new home and you’re slowly but surely getting used to the new city waiting to be discovered all around you. Unfortunately, your new stomping grounds can come with a high cost attached if you’re not careful with your finances. That cost can continue to trip you up long after you’ve stopped reflexively giving out your old address or phone number by mistake. Here are a few tips to keep your wallet as comfortable in your new home as you are.

Potential Pitfall # 1: Groceries

Even if you’re the king or queen of takeout, sooner or later you’ll need a few staples for the fridge. In your first few weeks after moving, get to know your local grocery stores and note prices for common items like bread, milk and eggs. If you have a handful of items that you can’t live without (for me, it’s a particular brand of pesto) take a peek at those as well.

Sure, spending that extra $1.50 on a gallon of milk might not seem like a big deal, but when you consider that cost accumulating every week for a year, it’s a luxury tax you don’t need to be paying. If your local grocery stores offer a shop-at-home option, make use of it: not only can you comparison shop a few stores right at your desk, but picking up or getting delivery for an already-assembled order keeps impulse purchases to a minimum.

 

Potential Pitfall # 2: Car Insurance, Gas, & Parking Costs

If you own a car, it’s easy to forget that these costs definitely change when your address does. Insurance costs can vary wildly depending on your new state and city—sometimes in your favor, sometimes not. It’s worth it to obtain a few competitors’ quotes to make sure you’re not getting hit with an unnecessary insurance hike.

Certain smartphone apps like GasBuddy can direct you to the cheapest gas stations nearby. Keep your eyes out for ads on classified websites like Craigslist for nearby parking space opportunities if spaces are in short supply in the immediate area around your building or home.

 

Potential Pitfall # 3: Other Transportation

If you don’t own a car, or don’t drive it often, you’re likely taking advantage of public transit options in the area. If you’ve moved for a job, make sure to ask your H.R. department about potential savings on transit passes (many companies, especially larger ones, have negotiated discounts on bus and train fare for commuting employees). If you’ve moved for school, the same rule applies: student discounts can save you a bundle!

If you only need one-off rides now and then, consider using phone apps like Uber and Lyft, both of which often offer discount codes. If you prefer your own wheels, unique car rental services like Zipcar can be an inexpensive alternative to owning a vehicle and paying for parking and insurance.

 

Potential Pitfall # 4: Socializing

Naturally, you’ll want to make friends and start setting up a social network in your new locale—that’s great! What’s not so great is looking at your wallet after paying for a round or two. If you’re planning to go out and don’t want to look like a cheapskate, scope out websites for bars, look for cost info in Yelp reviews and hunt down promotional nights and specials before ever leaving the house. Bring a set amount of cash with you so you’re not tempted to overspend, and make sure to eat before you head out to eat so that you can savor small plates or tapas treats without a growling stomach driving your menu selections.

Potential Pitfall #5: Passing Stores on the Street

When I was living in New York City, it never ceased to amaze me how easy it was for a simple journey from point A to point B to get interrupted by stopping to make a purchase along the way. In cities in particular, you tend to be surrounded by new shops and culture that seem new and exciting. Sometimes just the fact that they are there in front of you makes them tempting.

In walking cities especially, it can be easy to get distracted by the things you are passing. Rather than maintaining tunnel visions and keeping yourself from looking around and actively participating in your own journey from A to B, you can work to avoid distractions by setting a certain amount of time for yourself to get somewhere, only carry a certain amount of money with you, or just practice having the discipline to say no to your urges to shop when shopping was not your intention.

Get Out There!

Your new city is full of exciting new restaurants, entertainment and sights to discover, and if you’re conscious about where your money is going, you’ll enjoy them that much more. No one wants to frantically check their online balance instead of streaming another season of a favorite show on Netflix, so save yourself the fiscal anguish and use these tips to keep your bank account balance….balanced!

Ross Cameron is a full-time day trader and owner of  Warrior Trading which he founded in 2012 as a live trading chat room emphasizing education and idea generation. Before he achieved success by trading stocks, he taught himself many ways to save money on a day-to-day basis. Today he continues to trade in his chat room and teach trading courses, and lives with his family in Vermont.

What is the online application process at Merchant Account?

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Posted by MJTM | Posted in Financial | Posted on 03-01-2017

Running and working at your own business is hard – your merchant processing and integrated card services shouldn’t be. That’s why it is so important to find the right kind of quality merchant solutions provider that offers great customer support and comprehensive services at a low cost. You might be convinced that this is a nigh impossible task, however I assure you that it is not. There is a fantastic service out there that is not only affordable, but it is also easily accessible. In fact, there is even an online application process you can use! Let’s take a look at one of the most reliable options out there when it comes to merchant account services.

Merchant Account Solutions

To be honest, all you really need in a merchant account service is quality customer support and excellent service options at a great price. Well, I suppose that’s not a small feat – but it is one that Merchant Account Solutions has been managing to meet for almost a decade. Merchant Account Solutions offers a wide range of services including things like integrated card services and free credit card machines to get you started. They even do all of this at the lowest prices around.

Online Application

One of the best features of Merchant Account Solutions is that you can apply for their services online without the need to speak to anyone! This is a great option for busy small business owners for whom time is a luxury. And don’t worry – the process is a simple and quick one. It’s also a process that results in 98% of applicants being approved, too, which is always nice!

When you need an excellent merchant account service provider that offers great prices, integrated card services, and a variety of services, give Merchant Account Solutions a try. They have everything you need to continue building your business into a success story.

 

 

Get a therapeutic treatment to your emotional problems

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Posted by MJTM | Posted in Family Life | Posted on 29-12-2016

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A lot of debates have been making rounds in the market regarding the contribution of pets in providing therapeutic benefits to disabled patients. While many people try to establish that it is just a myth but in practical life it has proved to be quite advantageous for people with emotional and mental instability. It has been observed in a number of instances that people are registering their pets to qualify them as emotional support animals to help them recover from an emotional and mental turmoil. This has led to the arousal of confusion and distrust among a certain section of the society who are hesitant to understand the legitimacy of the law.

dog

Since most public places and accommodations restrict the presence of such pets, the owner needs to comply with certain rules and regulations relating to such ESA certified pet. For those who want to register emotional support animal need not require their pets to be professionally trained as they are known to provide an emotional support just by being around its owner with disability. This has led to a significant distinction between emotional support animals and service dogs that are trained to carry out particular services.

Allowing an ESA in Housing

There are several legal procedures by which an animal can be allowed as an ESA, each one varying depending upon the prevailing laws in that particular state. In order to get a detailed report on the legality of a specific situation, a qualified attorney must be consulted. It should also be remembered that all housing are not covered under the FHAA guidelines such as I ceases when the housing is owned by a religious entity or there are three unit or less in which case the landlord is not liable to accommodate such pet.

Certain steps need to be followed to comply with the housing laws. The first and foremost step is to obtain a medical certificate from a mental physician authorizing the need for an emotional support animal. Then the prevailing laws for an ESA in a No Pet housing society should be known for which a letter of accommodation is to be submitted. Upon presentation of the necessary documents the landlord needs to provide an acceptance and approval letter to the tenant permitting him to accommodate such a pet in his housing complex.

Facts to be considered by housing provider

Apart from the ESA certificate provided by the owner of the pet, the landlord needs to look into a couple of other things to accommodate such pet. The first consideration is the intensity of the requirement of such a pet for therapeutic treatment. This can be known from the medical certificate provided by the owner from an authorized physician where it is clearly mentioned to register emotional support animal for assistance of the person suffering from disability. The next consideration is whether the pet actually contributes towards alleviating any mental instability of the owner. If both the above conditions are satisfied the landlord is compelled to allow such pet in his accommodation.

3 Unlikely Characters Featured in Slot Machines

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Posted by MJTM | Posted in Miscellaneous | Posted on 13-12-2016

Slot machines are the most versatile casual games of all time. Invented over a century ago, they are there wherever you look: in casinos, in pubs, at gas stations, and all over the big online. People play them for fun on their smartphones and computers, and for real at All Slots Online Casino, where they have a massive collection of games to try. Slot machines can be inspired by an incredible variety of things, from video games to movies, TV series, myths, even toys and nursery rhymes. Sometimes, the characters that serve as an inspiration for a slot machine are quite unlikely, or even surprising, like in the case of the games below.

Thor

Thor is one of the most popular deities ever – and not only on the big screen. He was popular even before the first issue of the comics telling his story were published – especially in the Germanic cultures of Europe. While his popularity was at its peak in the Viking times, he is one of the gods never forgotten. And he is the protagonist of several slot machines.

Thunderstruck and its sequel Thunderstruck II are among the most popular slot machines at the All Slots Casino. The games are not inspired by the Thor movie (the first game appeared years before Thor made it to the big screen). Instead, it depicts the god as he is described in the Poetic Edda – a blond giant with a massive hammer capable of shooting lightning bolts on his enemies. Yes, the comic book (and movie) character is strongly inspired by the original myths.

Hades

Hades is often considered an evil Greek god – but nothing could be further from the truth. Instead of being a fallen angel, Hades is the brother of Zeus and Poseidon, and he became the ruler of the Underworld (the Greek equivalent of heaven and hell) by pure chance. He is actually a fascinating character, utterly fair, and quite dark – but his darkness is caused by his dwelling place’s darkness and depressive nature.

In Hot as Hades, a slot machine recently released by the All Slots Casino, Hades is depicted as an overall nice guy. His only concern seems to be making the most of his eternal rule in the Underworld – he dives head-first into pools of molten lava, he flies around using his invisible jet pack and playing with his three-headed puppy, Cerberus.

Agent 47

A casual game inspired by a hit video game? Well, unlikely as it may sound, it happens in the world of online casinos. One of the most interesting characters to serve as a slot machine protagonist is Agent 47, cloned and raised by a secret organization and trained to be the perfect assassin.

Agent 47 is the protagonist of one of the most popular slot machines at the All Slots Online Casino. Inspired by Square Enix’s successful stealth video game series, it mixes mystery and wins in a unique combination, with the black suit, the tools of the trade, and big wins all over its reels.

Is Using a Credit Repair Company Right For You?

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Posted by Daniel | Posted in Uncategorized | Posted on 02-10-2016

When deciding whether or not to use a credit repair company, you need to figure out how bad your credit score really is. Do you have a few late payments that dropped your score? Or do you have a home foreclosure in your past? Understanding the severity of your credit situation will help you determine whether you can do fix your credit on your own or whether you need to call a credit repair company.

When looking to undergo credit repair, you need to research the capabilities of professionals. Visit http://aaacreditguide.com/sky-blue/ to understand all that Sky Blue can do for their clients. It has a full overview of how they challenge negative items on your credit report and is dotted with testimonials of satisfied customers. Sky Blue has more than 27 years of experience in the credit industry.

If you are looking to get qualified for a mortgage or a car loan, utilizing the services of a credit repair company can get you the financing you need quickly. They have the resources to dispute inaccurate items and deal with the credit bureaus in a timely and efficient manner.

The Benefits of Using a Credit Repair Company

Using a company to reach out to credit bureaus to dispute negative items can be the answer you need to fix your bad credit. Companies such as Sky Blue or have the professional acumen and dedicated staff to do thorough job researching your credit history and figuring out what to do to fix bad credit.

You can access these companies with a simple online form. The process only takes a few minutes and you will get an email that instructs you how to get your 3-bureau credit report to the company. Then they can get started on their analysis.

It is a simple and time-saving process compared to reading through your own report and writing individual, printed credit dispute letters to the bureaus yourself.

Is it Guaranteed?

Not necessarily. Credit repair companies cannot guarantee a specific outcome, but some, like Sky Blue, offer a 90-day money back guarantee. If you are dissatisfied with their service, just explain why and they will refund your money.

How Long Does it Take?

That depends on how many negative items you have on your credit report. And it is dependent upon how long it takes for the credit bureaus to respond.

Using a credit repair company can be a great decision, if you do not have the time and expertise to dispute items on your own, and especially if you have gone through a messy divorce or a complicated ID theft situation. Call Sky Blue or credit repair company today to see if they can help.

Making Money with Binary Option Trades

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Posted by MJTM | Posted in Investment | Posted on 25-09-2016

Binary options have gained the reputation as a get rich quick scheme. This is simply advertising designed to appeal to anyone looking to make good money with minimal investment. In principle, it is actually possible to make a fortune very quickly from binary trading. However, in practice it takes more than luck to place the right trade each time.

To generate funds you will need to purchase a binary option trade. This is a contract between you and the broker. You buy the contract which states that the price of a specific share will move in a certain direction. Every trade has a specific expiry time, if, at the end of the expiry time the price has moved as you indicated then you can receive a good rate of return. As a trade can last just sixty seconds it is possible to place many trades throughout the day. If you are right then you can generate a significant income through the course of the day. Of course, it is difficult to get every trade right but, in theory, you could get rich quickly.

Important Points

When you place a trade you will either lose your capital or earn an income. The percentage you can earn remains the same regardless of the funds you place on a trade. The more funds you wish to generate the larger the value of your initial investment; eighty percent return on $100 is $80, but on $10,000 it is $8,000.

However, do not be deceived by the broker’s statement that you can generate this amount every time you trade. If you win the broker must pay you from their own funds, if you lose then they take your funds. The fact that brokers continue to trade, shows that they win more times than they lose.

This does not mean it is not possible to generate an income; you should ensure you choose a reputable broker and understand the basics of binary option trades.

Your Approach

The key to creating your own get rich scheme, although it may not be as quick as you hoped, is to develop a strategy. This can be done by educating yourself on how binary options work and devising a set of rules which you will need to stick to when you trade. It is essential to keep your emotions away from your trades. Always restrict the amount of funds you will commit on any one day and to any one trade. Choose your trades by studying the markets or responding to signals you trust and, by being consistent you will be able to make money purchasing binary options. And before starting your binary options trading career – take some time and read binary options trading guide

Online Shopping Makes Saving Easier Than Ever

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Posted by Daniel | Posted in Uncategorized | Posted on 27-07-2016

No matter where you go, you see advertisements for sales and specials that can save you money, but more often than not, you’ll end up spending far more than you think you’re saving. See a dress you like? Just click the ‘add to cart’ button a few times to fill up your shopping bag, and boom! You’ll have a new wardrobe at your doorstep in a matter of days.

You can fall into a trap of spending too much, so be careful! Here are a few ways you can limit your spending and find the best deals when shopping online:

Search For Coupons Before You Buy

If you know you want to buy a product, spend a few minutes searching for a coupon! The effort is minimal, and the savings can be tremendous! For example, if you know you want to buy a new pair of glasses, search for glasses coupons online and you’ll find some great deals! Right now, a quick search on Groupon shows that you can get 20% off your order, or even better, buy one, get one free! You can save half on your glasses purchase simply by spending a minute searching for a coupon. What a time to be alive!

Set A Monthly Shopping Budget

If you’re prone to spending lots of money online, prevent yourself from going overboard by limiting your monthly shopping budget. If you are under one month, allow yourself to spend a bit more the next, but if you’re over your budget this month, you will have to limit yourself next month! A bit of spending is healthy, just be prepared to

Add Items To Your Shopping Cart and Come Back Later

When you think you want to buy something, add it to your cart, and then take a walk or sleep on it. Later, see if you really need that new pair of shoes or collectible item you were about to buy. If it’s a necessity, you’ll go ahead and purchase it, but if it’s more of a want than a need, you might have given yourself some time to avoid an unnecessary purchase and saved your money!

 

What is a Financial Spread Bet?

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Posted by MJTM | Posted in Financial | Posted on 06-05-2016

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Put simply, a financial spread bet allows you to speculate on rises and falls in the financial markets.  You can profit, or incur losses, for each point change matching the direction you predict the markets will move in.

Financial spread betting offers a number of benefits that traditional trading can’t provide, like not having to own the underlying asset which you’re trading (e.g. a share in Apple). You can place financial spread bets on thousands of global shares, indices, bonds and securities without ever having to deal directly with the markets.

What is spread?

As a trader on any derivatives market you are offered two prices either side of the underlying market price: the buy price and the sell price. The difference between these two prices is known as the spread.

For example, the underlying market price for the UK100 index is at 6500 points. Currently the bid price for this market is 6499.6 and the offer price is 6500.4. The difference between the bid and offer (6500.4 – 6499.6 = 0.8) is known as the spread.

The size of a spread is important because it is essentially the amount you are charged for every trade you make, there is no commission charged in spread betting. The tighter a spread is reflects how quickly you can start to realise profits, or losses, from the market you are trading.

How does a financial spread bet work?

A financial spread bet comes down to you predicting whether the market you are trading will rise or fall. If you are going long in the belief a market will rise, your bet will open at the offer price. Your profits will increase with each point rise above the level you entered the trade.

If you believe the markets will fall and choose to go short, your bet will open at the bid price Assuming the markets behave as you predicted, your profits will increase with each point the market falls below the price you entered the trade.

Using the UK100 example above, you speculate the UK100 will rise and go long (open a buy position) with a stake of £10 at 6500.4. As you predicted, UK100 rises 10 points to a bid/offer of 6509.6-6510.4. At this point you decide to close your position and sell at the bid price of 9509.6. Because you bought at 6500.4, you have increased your position by 9.2 points.  9.2 points multiplied by your stake of £10 gives you a tax-free profit of £92.

You will incur losses in line with each point change in the event that the markets move in the opposite direction to your position.

What are the benefits of financial spread betting?

  • Tax-free: Any profits you make from spread betting are exempt from UK Capital Gains Tax and UK Stamp Duty. This may be dependent on personal circumstances and tax laws may change.
  • Leveraged: One of the key benefits of a financial spread bet over traditional trading is that it is a leveraged product. This means that you only have to deposit a percentage, or margin, of the total notional value of your bet. This margin requirement is typically between 0.5% and 4% of the potential value of your trade.  Leverage can also work against you if the trade does not work out as expected so you need to understand this risk carefully.
  • Go long or go short: By taking a sell position, you can profit from a fall in the value of a market. Unlike traditional trading, you can always stand to profit no matter which way the markets are moving.

Risk Warning: Spread bets and CFD trades are leveraged products. Losses may exceed deposits.

https://www.corespreads.com/