Trips Travel Insurance for Japan

Trips Travel Insurance for Japan

U.S. citizen or resident of Japan was encouraged to register with the Consular Section of the Embassy of U. S. in Tokyo, if the, or one-fifth of the U. S. Embassy in Japan, where they can be. updated information on travel and security within Japan. Registration forms are available through the homepage, or fax the U. S. Embassy or one of the U. S. Consulate. Online registration is available for the area served by our Embassy and Consulate in Naha, Okinawa through their websites. Tourists and residents can also join the community of secure e - e-mail newsletter to update the Commission's website, if that. http://www.tokyoacs.com/ alien registration formalities required by Japanese immigration law are separate from registration for the citizens of the United States, which is a volunteer and help staff better than the American consulate. and to assist American citizens in distress. Registration Information is protected by privacy laws.

 

 Japan Climate: Temperatures vary widely across the country on any day of the year, the average temperature of 43 F / C 6 C 72 at f/22, depending on where you live. The best time to visit in October and April when the leaves change and temperatures are mild during the day and cold at night in May, June and July are the wettest months to June, July and August is very hot and humid. Okinawa are the most beautiful beaches in July and August. Sweaters should be ready for the occasional cool nights. (Or, if you are in the mountains), winter months can get very cold in the same latitude as Siberia and Japan, where the cold is not very often Hiim ๆ and boring. Island of Hokkaido in northern Japan is very cold in winter.Electricity: Electricity in Japan is 100 volts AC, but there are two different types of use in Tokyo and in the north-east of the capital, is 50 cycles, while Nagoya, Kyoto. Osaka and all points south-west by 60 cycles best hotels in Tokyo often have two shops, one for 110 volts and one for 220 volts; Many of them also have a hairdryer in the room. You can use electrical appliances in Japan, as many Americans as an American standard 110 volts and 60 cycles, but it can slow down a bit. ' Also note that the poles flat on two legs, legs that are used in Japan are the same size and shape, as in North America. The three-pronged electrical devices will not be accepted. It 'important for devices that were either changed or if the battery is a battery.


International calls to a call outside of Japan, the country code is 81 In addition, all area codes call for all cities in Japan, starting from scratch: the prefix of Tokyo, for example, is 03, while in Osaka. Table 06 is used only when calling from outside the area. However, in Japan. When calling from outside Japan, which usually must be reduced to zero in the prefix. When you call the United States, for example, line 81 for Japan, followed by a 3 for Tokyo (No 03) and 6 (not 06) to Osaka If you  have questions, call the international level in the country where you will . the calls.If you stay in the middle or on the range, you can call your local, national and international, from your room. Some of the best hotels in the cabin, there's probably a business center, fax and most will allow you to send faxes. For telephone calls. But it is wise to ask first if you can call directly if you need to go through the process and whether the charges are added to your account.You can find public phones everywhere - a phone booth on the sidewalk outside the store on the platform, standing on a train, in restaurants and cafes, even a high-speed train. (However, this requires a magnetic card, see below), local call costs 10 yen (8 b) the first minute after the warning chime sounds to allow you to put a dollar or you will be disconnected. I usually put two or three coins at the start, so do not have to worry about being cut off; 10 yen coins are not used are returned when the end of the line. Some older model red for the use of people outside the store, BUT - and - PA only accept ¥ 10 coins, but the public phones are accepted by both domestic and 10 ¥ 100 coins back into the facility. long distance calls. All gray, ISDN telephones have been installed for international calls, and dataports for Internet access. Toll in Japan, starting in 0120 or 0088.Travel insurance for trips to Japan, you should consider the benefits of travel insurance as part of planning the trip to Japan. Most travelers look for travel tips that discuss the importance of travel insurance and travel insurance through Travel Protection can help you make the most of your trip.Whether you're taking a family vacation or business trip, Travel Guard has a plan for a trip to Japan. These plans may include coverage, the cost of valuable medical, disruption to travel, and medical and emergency care services and assistance with the local 24-hour coverage. It can act as a travel guide should your plans change.For more than 20 years, plan a trip that I have covered millions of travelers around the world. We are America's leading provider of travel insurance plans and programs to provide assistance and we are here to help you 24 hours a day, 7 days a week. Coverage provided through Travel Guard is easy to buy a 24-hour emergency travel services it's even easier to use

Cheating - as defined in the Penal Code of Singapore

Cheating – Whoever, by deceiving any person, fraudulently or dishonestly induces the person so deceived to deliver any property to any person, or to consent that any person shall retain any property, or intentionally induces the person so deceived to do or omit to do anything which he or she would not do or omit if he or she were not so deceived, and which act or omission causes or is likely to cause damage or harm to that person in body, mind, reputation or property, is said to "cheat".For example, A cheats if he intentionally deceives Z into a belief that A means to repay any money that Z may lend to him when A does not intend to repay it, and thereby dishonestly induces Z to lend him money.Cheating is punished with imprisonment of up to one year, or a fine, or both.

Cheating is a crime and action has to be taken by the state, i.e. it is not a civil matter. If a person deceives another person and receives money from the victim, the person is committing the crime of "cheating".

If a forex trainer claims that his technique is guaranteed to make money, and the representations are false, the trainer is deceiving the students and can be charged for the crime of "cheating" them of the fees that are being paid.

Effect of Deduction

Hi Mr Tan.
I am signing a policy soon. But I don't understand what the effect of deduction is. It's a AXA policy called INSPIRE FLEXI 2. After reading your blog, I tried to do the calculation but am more puzzled. Attached are the 3 pages of the illustrations. I hope that you can advise me.

REPLY
The Effect of Deduction is the amount taken away from your future savings. You can see that this is a large amount. Why are you investing in a life insurance policy when so much is being taken away?

It is better for you to invest on your own, e.g. in the STI ETF, as advised in my book. You can buy term insurance for your life insurance protection. Please read my books for a better understanding on this matter. www.tankinlian.com/ishop

You can also attend the FISCA talk on 26 Nov 2011 - register here: http://easyapps.sg/assn/Org/Event.aspx?id=5

In the meantime, you should not take up the life insurance policy, especially as you do not understand these important matters.

Ask Mr. Tan

I have received question from readers of my blog on life insurance and financial planning. I usually ask them to read my books which are available from www.tankinlian.com/ishop. Often, the answers can be found in these books. In the future, I will ask them to make a donation of $200 to FISCA, before I look into their question.

Higher business costs

I met the owner of a chain of coffee shops. He told me that his business is being squeezed by higher rentals and shortage of manpower. His employees keep resigning, as they can get better wages elsewhere, after the government clamped down on the work passes. He feels the pressure of squeezed margins.

I said that to look at this matter in a different perspective. The higher rentals and wages apply to all of his competitors, and does not hit him alone. So, the higher costs will have to be translated into higher retail prices for his products. As long as he is more efficient that his competitors - and he is selling this coffee and breakfast at lower prices - he will be able to do well. People will still need breakfast and coffee, so they will continue to patronize his outlets, even after he has adjusted his prices to cope with the higher costs.

Higher prices are bad for the consumers - but this has to be solved at the government level - to moderate the rentals for business outlets. It is good for wages to be adjusted upwards, as the workers need to earn enough to feed their family.

I welcome the move by the government to build more markets at HDB estates - and hope that these outlets will be rented at non-tender prices. If they are at moderate levels, it will help to moderate the rentals in the private sector as well.

Flexible Pensions

The state pension systems adopted in many advanced countries are now in deficit, due to ballooning cost and under-funding. This does not mean that the pension system is inferior to the provident fund system (such as the Central Provident Fund operated in Singapore). The provident fund system also has its pitfalls.

The key weakness of the pension system is its rigidity. It aims to pay the pension in predetermined amounts when asset values and economic conditions can fluctuate significantly. A better solution, which has not been tried, is to have flexible pensions, i.e. the amounts will be changed according to the underlying value of the assets. This type of flexible values are already embodied in mutual fund investments and can be applied to make pension payments flexible and keep the system solvent over the long term.

There are two key advantages in the pension system. First, it provides for pooling of investments over the long term, by professional fund managers. This is much better than allowing the retirees to take out their provident fund savings to invest on their own - as most lay people cannot manage their own investments.

The second benefit is the pooling of longevity risks. Those who die younger draw out less, and allows the pension fund to pay the pensions to those who live longer.

The fear about insolvent pension schemes can be addressed by building in the flexibility to the pension payments.  In good economic times, the pensions can be bigger. In bad times, they can be smaller. The pensioner can cope with fluctuating pension amounts (provided that the adjustments are modest and made every six months). When they receive a smaller payment during an economic downturn, the cost of living will probably be lower - so the smaller pension payments may still be adequate.

It is time for Singapore to convert CPF Life into a flexible pension scheme and to make it attractive for retirees to invest their savings (other than the CPF minimum sum) in a sound pension scheme.

Adele Feeling 'Positive' After Throat Surgery

Singer says she's 'on the mend.'
By Gil Kaufman

Adele
Photo: Andreas Rentz/ Getty Images

Adele is on the road to recovery after her recent throat surgery. The British singer posted a note to fans on Monday in which she gave them an update on the procedure to remove a benign polyp from her vocal cords.

"Sorry I haven't written for a while. Thank you for all your positive thoughts and get well wishes," she wrote. "I'm doing really well, on the mend, super happy, relaxed and very positive with it all. The operation was a success and I'm just chilling out now until I get the all clear from my doctors."

Last week the doctors who performed the procedure gave an update on the surgery. "Adele underwent vocal cord microsurgery by Dr. Steven Zeitels to stop recurrent vocal cord hemorrhage (bleeding) from a benign polyp," read a statement from Massachusetts General Hospital, where the surgery took place. "This condition is typically the result of unstable blood vessels in the vocal cord that can rupture. Based on the advice of her doctor and voice therapist in the United Kingdom, Adele came to Boston to consult and undergo corrective voice surgery with Dr. Zeitels, the Director of the Massachusetts General Hospital Voice Center. ... Dr. Zeitels expects Adele to make a full recovery from her laser microsurgery."

scrapped all her remaining 2011 performances and appearances on doctor's orders.

The vocal problems were the latest hiccup in the 23-year-old singer's plans to tour the U.S., which were previously derailed when she had to call off a string of gigs due to a bout of laryngitis.

While fans won't be able to catch Adele live anytime soon, they can check out her first live concert film, "Live at the Royal Albert Hall," which hits stores on November 29. The nearly 90-minute event focuses on her singing, eschewing the typical backstage vignettes, interviews with fans and confessional moments.

Related Artists

• Adele

Source: http://www.mtv.com/news/articles/1674453/adele-throat-surgery-recovery.jhtml

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Buy Cheap Used Shoes Online and Save Lots of Money

If you are in need of saving money like me, and would like a simple place to start, try saving on shoes. They are the first thing you indubitably put on in the morning before you go out, and one of the last things you take off before going to bed. Shoes can be expensive, especially designer shoes, and if you are into many separate types of shoes like running and jogging shoes or dance and sports shoes, chances are you have invested quite a lot of money on just shoes. Specialty shoes like the ones just mentioned are usually more high-priced than the tasteless casual every day shoes and it is usually due to the fact that you are paying for quality. Your feet are important and deserve special medicine over other parts of the body therefore you shouldn't necessarily scrimp on the ability of your shoes. So what is it we are suggesting you try out as you are scratching to know? Before you go out to stock up on more shoes, take a moment to think about how the internet can help you find the shoes your feet deserve at the cheapest prices.

The used shoe niche store is increasing its size thanks to the internet's ability to link buyers with sellers. usually used shoes go straight to charity, which is a great thing in itself, however because the internet's ability to stretch advertisements over the country at astoundingly cheap prices if not for free, people are now placing their used shoes for sale on assorted online marketplaces such as eBay and Craigslist for starters. people are now starting to perceive that used shoes have a salvageable value greater than the cost of shipping in increasing to the charitable tax credit. This is a great notion for men and women who whether need or desire higher ability shoes at the lowest potential prices. When you purchase used shoes you are recycling and helping the shoe owner recoup a measure of the original cost of the shoes and rewarding him or her for taking such good care of them.

We Buy Any Car

Like cars themselves, shoes depreciate over time and wear. definite types of shoes depreciate quicker than others such as soccer shoes which probably last a singular season. Other shoes have a long depreciation life like dress shoes, which like mine probably are worn once or twice a year for a definite special occasion. These shoes are still sitting in my closet, look brand new and were worn with a pair of new dress socks which have also been worn just the same. My designer dress shoes cost me 0 and I'd hope that they would be worth at least half that for only been worn twice. I could put an ad for them for and I'm sure they'd be gone within the week, off to their new owner and happy to be part of a new family where they will get a tiny more attention than before. Any shoes that have been "gently worn" (a tasteless record for used shoe advertisements) usually sell well if the starting price is above a few bucks.

Buying used shoes is so easy. Try out a quest on Google using keywords like "cheap", "used" and "shoes" or Craigslist under the "for sale" section or try out a quest on eBay in the "Clothing, Shoes and Accessories" category. These types of searches will yield great used shoe listings where you can buy them or bid on them. Once you purchase your cheap used shoes you're going to be receiving them at your doorstep (eBay) or meeting somebody in someone (Craigslist). When you are dealing with used shoes they are arrival from real people who own the shoes and have had sense using them. Some of them might even be a tiny emotionally attached to them; who knows. A used shoe advertisement will usually come with pictures as well as a detailed record of the health of the used shoes. Pictures never tell a lie unless they are Photoshopped, so if the ad states that the shoes are "gently worn" and they look thrashed, then you should move on to the next advertisement. Generally, the estimate of wear and tear of a singular shoe finds its way into the actual selling price. If you are reasoning of buying cheap used shoes and are put off by what they may smell like when you open the box, the chances are that these kinds of used shoes would never be sold. The jobber is fully responsible for accurately describing the item agreeing to the hosting website's terms of use and privacy policy- so if they do smell and the item record didn't specify this, you may be eligible for a refund.

Selling your used shoes is easy. You can recoup some money if you use the right strategies and you might even be able to afford those new shoes you all the time wanted after you sell a few pairs. First join the eBay society and click "sell an item" or post a local ad in Craigslist for free. Take some pictures, review the item with detail: contain the shoe make, model, year, condition, and price. Sound customary for all you car enthusiasts? Like I mentioned before, shoes themselves have a life like cars. They are our car of transportation. In fact shoe soles are made from the same rubber plants that we use to make the tires of our cars. Why not spread the word, recycle: buy or sell your cheap used shoes today.

Buy Cheap Used Shoes Online and Save Lots of Money

Patients with severe sepsis and new-onset atrial fibrillation at increased risk of in-hospital stroke, death

ScienceDaily (Nov. 16, 2011) ? Patients hospitalized with severe sepsis who experience new-onset atrial fibrillation have an associated increased risk of in-hospital stroke and death, according to a study appearing in JAMA. The study is being released early online to coincide with its presentation at the American Heart Association Scientific Sessions.

Atrial fibrillation (AF) is one of the most common arrhythmias among critically ill patients. "Previous studies have demonstrated that 6 percent to 20 percent of patients with severe sepsis develop new-onset AF, suggesting that severe sepsis may be a predisposing factor for new-onset AF," according to background information in the article. "Chronic AF is a known risk factor for stroke and death, but the clinical significance of new-onset AF in the setting of severe sepsis is uncertain."

To examine the association of new-onset AF during severe sepsis with adverse outcomes of in-hospital mortality and ischemic stroke, Allan J. Walkey, M.D., M.Sc., of the Boston University School of Medicine, and colleagues conducted a study that included administrative claims data from the California State Inpatient Database from nonfederal acute care hospitals for January 1 through December 31, 2007. Data were available for 3,144,787 hospitalized adults. The researchers identified 49,082 cases of severe sepsis that met qualifying criteria for the study. New-onset AF was defined as AF that occurred during the hospital stay, after excluding AF cases present at admission.

New-onset AF occurred during 20,608 hospitalizations (0.65 percent; including sepsis and nonsepsis) and during 2,896 hospitalizations (5.9 percent) of patients with severe sepsis, with analysis indicating that 14 percent of all hospital-associated new-onset AF occurred in the context of severe sepsis. Compared with hospitalized patients without severe sepsis, patients with severe sepsis had a nearly 7 times the odds of having new-onset AF. Factors associated with increased risk of new-onset AF during severe sepsis included demographics (increasing age, male sex, and white race), comorbidities (history of heart failure, obesity, malignancy, and stroke), and various acute factors (such as increasing number of organ failures, respiratory failure and renal failure).

Among individuals with severe sepsis, new-onset AF was associated with increased adjusted risks of in-hospital ischemic stroke. In contrast, patients with severe sepsis and preexisting AF did not have an increased risk of in-hospital ischemic stroke compared with those with severe sepsis and no AF. In patients with severe sepsis, in-hospital ischemic stroke occurred in 75 of 2,896 individuals (2.6 percent) with new-onset AF compared with 57 of 9,986 (0.57 percent) with preexisting AF and 249 of 36,200 (0.69 percent) without AF.

Compared with severe sepsis patients without new-onset AF, patients with new-onset AF had a greater risk of in-hospital mortality (1,629 [56 percent] vs. 18,027 [39 percent] deaths).

The researchers speculate that several potential mechanisms might explain the increased ischemic stroke risk in patients with severe sepsis and new-onset AF. "Severe sepsis alone may be associated with an increased risk of stroke through hemodynamic [blood circulation] collapse, increased systemic inflammation, and coagulopathy [clotting/bleeding disorder]. New-onset AF may simply be a marker for greater severity of illness and, thus, greater stroke risk."

"Given projected estimates of severe sepsis incidence in 1 million Americans in 2011, it is likely that new-onset AF occurs in more than 60,000 patients with severe sepsis in the United States each year," the authors write. "Current guidelines do not address AF that occurs in the setting of severe sepsis or acute infection, suggesting that new-onset AF that occurs during severe sepsis is an underrecognized public health problem. If our findings of increased stroke and death in the setting of AF and severe sepsis are replicated in other data sets, then it will be important to examine management strategies that might diminish the risk of adverse outcomes associated with AF during severe sepsis."

Editorial: Is Severe Sepsis Associated With New-Onset Atrial Fibrillation and Stroke?

In an accompanying editorial, Christopher H. Goss, M.D., M.Sc., of the University of Washington, and Shannon S. Carson, M.D., of the University of North Carolina. Chapel Hill, write that an important question is whether the findings of this study should lead clinicians to intervene with stroke prevention therapy, such as with acute cardioversion (a method to restore an abnormal heart rhythm back to normal), anticoagulation, or both.

"It is difficult to maintain successful cardioversion as long as severe sepsis persists, perhaps because acute risk factors such as high catecholamine [any of several compounds occurring naturally in the body that serve as hormones or as neurotransmitters in the sympathetic nervous system] states have not yet resolved. Anticoagulation presents additional risks for patients with severe sepsis due to coagulation abnormalities and frequent invasive procedures. Given the limitations of these observational data, current practice should not change in favor of interventions that could involve additional risk. Given the small event rate, a randomized trial of anticoagulation for new-onset atrial fibrillation in severe sepsis would be logically difficult. However, further observational studies with large databases assessing how interventions might modify the risk of stroke could provide more useful information."

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Story Source:

The above story is reprinted from materials provided by JAMA and Archives Journals.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal References:

1. A. J. Walkey, R. S. Wiener, J. M. Ghobrial, L. H. Curtis, E. J. Benjamin. Incident Stroke and Mortality Associated With New-Onset Atrial Fibrillation in Patients Hospitalized With Severe Sepsis. JAMA: The Journal of the American Medical Association, 2011; DOI: 10.1001/jama.2011.1615
2. C. H. Goss, S. S. Carson. Is Severe Sepsis Associated With New-Onset Atrial Fibrillation and Stroke? JAMA: The Journal of the American Medical Association, 2011; DOI: 10.1001/jama.2011.1730

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/PvaBkJXB1a8/111116051228.htm

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FISCA Financial Planning Workshop - 26 Nov 2011

The next FISCA financial planning workshop is available for registration now at http://easyapps.sg/assn/Org/Event.aspx?id=5
The last workshop was well received. Here are two feedbacks:

Ong:  I think the seminar is very relevant especially for young people who have recently joined the job market. It can really help make good investment decisions and avoid pitfalls that could ruin people's lives. The talks on Financial Planning today were both interesting and enlightening. Mr Tan Kin Lian's delivery is frank and very helpful, especially in understanding financial planning and  insurance policies. Kindly keep me inform of his future talks.

Najmi: Thank you for such an informative session earlier. I thoroughly enjoyed it and learnt a lot from you and Mr Ling today.  

One participant sent an e-mail to all his friends to recommend that they attend the workshop.

How Can I Request Car Insurance Quotes Online Fast?

Saving on car insurance is easy - simply request car insurance quotations and you can start saving money. Almost all car insurance agencies will provide you with a quotation to help you out. Start by having some basic details about yourself and your vehicle ready and make calls or go on the internet to request quotes.A good rule of thumb is to request for three to five quotes from different

Rates of GST

Here are the current rates of GST adopted in various countries:

Australia 10%
Canada 5%
Hong Kong (abandoned)
India (to be introduced in 2012, rate not decided)
New Zealand 15%
Singapore 7%
Germany 19%
Japan 7%
Sweden 25%
UK 20%

I am not able to draw any conclusion on this matter. I dislike GST and prefer the government revenue to come from income tax. But, it seemed that many countries are implementing GST.

My view: In Singapore's case, there is no need to have GST as the government collects a lot of revenue on sale of land and vehicle tax. Furthermore, welfare benefits in Singapore is quite low. We are in a similar situation as Hong Kong, which does not have GST.