Search found 40 matches

by tokyojoe
Tue May 14, 2024 8:46 am
Forum: Real Estate
Topic: WHO WAS YOUR GUARANTOR?
Replies: 5
Views: 1279

Re: WHO WAS YOUR GUARANTOR?

I am a little surprised to read that people had to list the guarantor as a co-owner! How does that work exactly - does that mean you could get to the end of paying off a 25 year old mortgage all by yourself but still only part-own the property ? Can the `co-owner' decide to sell the property while y...
by tokyojoe
Mon Mar 25, 2024 10:58 am
Forum: Real Estate
Topic: Detached House in Tokyo - Does and Don'ts
Replies: 13
Views: 2784

Re: Detached House in Tokyo - Does and Don'ts

We bought our house “as seen” when the selling party didn’t want any responsibility for defects after signing. This is how all transactions for used homes work in the UK so it didn’t bother me but apparently it’s a bit unusual here. I used it to knock another 5 million off the price so turned out o...
by tokyojoe
Mon Mar 11, 2024 9:15 am
Forum: New NISA (2024~)
Topic: NISA with JA Bank - any feedback or advice ?
Replies: 10
Views: 1652

Re: NISA with JA Bank - any feedback or advice ?

Dear Yamede, I agree with what other posters are advising you, i.e. that the JA bank NISA does not seem like a good deal. The three names- Rakuten, Monex, SBI - mentioned here are probably better bets. If you open a SBI Shinsei account, and use it to then open a Monex account you can get some extra ...
by tokyojoe
Fri Mar 08, 2024 1:37 pm
Forum: Real Estate
Topic: Plan -> Buying a second hand house and renovating.(check list?)
Replies: 11
Views: 1316

Re: Plan -> Buying a second hand house and renovating.(check list?)

Dear Moneymatters,
Many thanks, - your reference looks very much like it will shorten my list of questions.
Best wishes!
by tokyojoe
Tue Mar 05, 2024 4:22 am
Forum: Real Estate
Topic: Plan -> Buying a second hand house and renovating.(check list?)
Replies: 11
Views: 1316

Re: Plan -> Buying a second hand house and renovating.(check list?)

There are plenty of sites, books, and even magazines for property buyers in Japanese. I don't know of any in English. Have a vague plan to write a RetireJapan Guide to buying your home in Japan eventually, but I'm not sure when that will be Hi Ben, Thanks for the reply - yes, it was the sort of int...
by tokyojoe
Sun Mar 03, 2024 10:35 am
Forum: Real Estate
Topic: Plan -> Buying a second hand house and renovating.(check list?)
Replies: 11
Views: 1316

Re: Plan -> Buying a second hand house and renovating.(check list?)

Dear All, I was thinking of posting this in the RetireJapan for Dummies section, or as a separate post in the Real Estate section, but since my position is somewhat similar to that of Tsumitate Wrestler I thought I may as well put it here. I just wanted to ask whether anyone can recommend a website ...
by tokyojoe
Thu Jan 18, 2024 11:02 am
Forum: Case Studies/Asking for Advice
Topic: JNR Nisa has ended- what is the best option for my childre.
Replies: 13
Views: 184027

Re: JNR Nisa has ended- what is the best option for my childre.

Before looking at investment choices, you might want to first consider whether it is a good idea to invest (directly) for your children at all. I did put some money into Junior ISAs , but I think now that it was maybe not the best decision to do so. This youtube video explains some of the issues, al...
by tokyojoe
Tue May 09, 2023 9:00 am
Forum: Pension
Topic: Article about UK pensions and cost of living
Replies: 14
Views: 4947

Re: Article about UK pensions and cost of living

Aside from questions such as. WTF are retirees doing to their kitchens? British people in general seem to spend a lot of time and money on their homes. All of my relatives are always replacing something or decorating a room or spending cash on the garden. Japanese, on the other hand, seem content t...
by tokyojoe
Thu Mar 16, 2023 11:33 am
Forum: Insurance
Topic: Bicycle Accident
Replies: 28
Views: 12911

Re: Bicycle Accident

Lots of sensible advice here. Just to add a few things: This is why I nearly always cycle on the road, and not on the pavement! Where I live the pavements are wide enough so that most cyclists opt to use them, which has the advantage of taking all the cyclists (and of course pedestrians) off the roa...
by tokyojoe
Wed Mar 15, 2023 11:27 am
Forum: General
Topic: Air miles
Replies: 7
Views: 2287

Re: Air miles

I have used air miles a few times for flights with various airlines (Cathay, JAL, Korean Air). As has been pointed out you still have to pay (using cash) for the taxes and carrier imposed surcharge, so you will have to compare all these things when looking for the best deal (i.e. some airlines will ...