Managing Money Between the U.S. and Japan
I share my experiences and tips for dealing with money if you're traveling or moving to Japan. My preferred banks in the U.S and Japan, how to use Apple Pay, and the credit cards that I use.
Whether you're traveling to Japan or planning to live there, figuring out how to handle your finances is essential. From exchanging cash to accessing accounts overseas, having a setup that works will make things much easier.
I spent over 10 years living in Japan and have been back and forth between the U.S. and Japan since. In this post, I’ll share my personal experiences with banking in both countries, as well as some tips for travelers and expats navigating international finances. Keep in mind that I’m not a financial advisor, this is just what has worked for me!
Banking in the U.S. for going abroad
When I first moved to Japan, my main U.S. bank was Bank of America, but over time, I realized it wasn’t the best fit. Eventually, I switched to a more flexible option.
My recommendation: Charles Schwab
I eventually made Charles Schwab’s “High Yield Investor Checking Account” my primary U.S. account. It’s a fantastic option for international travel and living because:
It refunds all ATM fees worldwide
There are no foreign transaction fees for cash withdrawals
No monthly service fees, and it’s easy to manage online
With Schwab, I don’t have to worry about fees or exchange rates when withdrawing cash. I just go to any ATM, even ones in convenience stores, and the local currency comes straight out of my U.S. checking account.
For more details on Schwab’s checking account, check out their website.
Banking in Japan
If you’re planning to live in Japan, you’ll likely need a Japanese bank account for things like salary deposits or paying bills. However, opening a bank account in Japan is often more rigid compared to the U.S., and closing one can be even more difficult.
I’ve had experiences with a few Japanese banks such as Fukuoka Bank, Mitsubishi UFJ, and Japan Post’s Yucho. While I had no serious issues with them while living in Japan, like most domestic banks in the U.S., they had their limitations when considering things international.
My recommendation: SMBC PRESTIA
I decided to make my Japanese bank account at SMBC Prestia. It’s a great option for international people in Japan because:
Available English support, both in-branch and through their app
You get a JPY account and an international currency account which sometimes offers high-interest promotions, similar to a CD
There’s no monthly fee for banking online while outside of Japan
You’re able to access your account from SMBC ATMs, which is one of Japan’s biggest banks
PRESTIA branches are mainly in Tokyo, with a few locations in other Japanese cities. The branches that I’ve been to are also nicer than that of the other banks.
Credit Cards and Cash in Japan
When visiting Japan, many people assume they’ll need a lot of cash because of the country’s reputation as a cash-based society. While it’s true that many places (especially in rural areas or small shops) still only take cash, big cities like Tokyo are increasingly cashless.
Cashless payments in Japan
As of 2023, about 39.3% of transactions in Japan were cashless, which includes credit/debit cards, electronic money, and QR code payments according to Japan’s Ministry of Economy, Trade and Industry. [J]
For most of my purchases in Tokyo, I use Apple Pay or physical credit cards with an IC chip, with only the occasional need for cash.
Tip for Apple Pay: If you’re trying to use Apple Pay in Japan, don’t say “Apple Pay” to the cashier. Instead, ask to pay by “credit card” and then “touch,” as there’s often confusion about terminology.
There are places that don’t accept contactless payments but do accept credit card. These credit cards almost always need the IC chip. Some retailers and more commonly online checkouts don’t accept foreign credit cards for various reasons such as higher fees which causes them to lose money, and higher risk of fraud.
Amongst the credit cards that I’ve had most success with using in Japan are the Apple Card and American Express cards. Visa cards tend to have the most issues.
Choosing the right setup for your trip or move to Japan can help you immensely. Hopefully, my experiences help you find the right solutions for your needs!
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What Longtime Japan Residents Buy When Traveling in Japan
These are some things that I frequently buy in Japan and recommend after living there for a long time.
One of the issues many travelers have in Japan is fitting everything in their suitcases to return home. Japan has so many amazing things to buy, from snacks to cosmetics, clothes to knick knacks and more.
As someone who has over 13 years of experience living in Japan and frequently spends time there, my Japan trip shopping list is probably a bit different from most tourists’.
Here, I’ll share a few items that I often buy to take back to the US with me and continue updating it, so check back before your next trip!
I also made a video as well:
Food
Kijoan sanuki udon
Once you really dive into Japan’s various noodle dishes, you’ll realize that there’s a lot of different levels of noodle quality, and you’ll likely develop your favorites. Kijoan makes delicious udon and is based in one of the country’s udon capitals, Kagawa Prefecture. Their noodles are packed for delivery and are shiny and almost translucent at times, and also have a delicious chew to them.
Brand site: https://www.kijoan.com/ [J]
Find at: Kijoan
Good nori
As with noodles, there are many grades of nori. Especially if you’re a fan of sushi, you probably have begun to care about the quality of the nori. While nori is sold in markets overseas that carry Asian foods, they usually don’t have a large range to choose from, which is why we buy some while in Japan. This one here is a packet of 20 sheets and is from the Ariake Sea in Kumamoto Prefecture, waters that many say create the best nori in Japan.
Brand site: https://seijoishii.com/ [J]
Find at: Seijo Ishii, other higher-end markets like Kinokuniya, specialty shops, etc.
Kakepon ponzu
Known for producing shoyu (soy sauce) and miso after 29 of Nagasaki Prefecture’s breweries came together, Choko became a single brand in 1975. Adding to their shoyu and miso product line, they also make ponzu, the citrus sauce great for dipping meat and for using in salad dressing. Their tasty Kakepon is a fave, and it comes in both glass bottles as well as a squeezable bottle that helps keep freshness.
Brand site: https://choko.co.jp/ [J]
Find at: Supermarkets
Rayu chili oil
There are many different types of rayu chili oil toppings, but ones made by S&B are some of my favorites. Referred to as “okazu rayu” in Japanese meaning something like “side dish chili oil”, these rayu have ingredients like fried garlic, roasted almonds and other crunchy items in it. They may not be as spicy or deep as Chinese chili oils, but these go along great with meals, especially on white rice.
Brand site: https://www.sbfoods.co.jp/ [J]
Find at: Supermarkets
Snacks & sweets
Yuzukosho senbei
Rice cracker snacks such as arare or senbei are delicious and of course, there’s just way more variety in Japan. One that I like is this one with shoyu (soy sauce) and yuzu kosho flavoring. The yuzu kosho gives it a slightly citrus flavor with a bit of a kick.
Brand site: https://seijoishii.com/ [J]
Find at: Seijo Ishii supermarket (Tokyo)
Minimal chocolate
Minimal is a bean-to-bar brand that’s all about the craft of chocolate. They handle everything from bean selection and purchasing to processing, manufacturing, and sales. Being all about the craft, they carefully select cacao beans from Asia, Africa, and Central and South America, and pay close attention to the process as they say even a 1/1000 of a millimeter (1 micrometer) difference while crushing the beans changes the texture, aroma, and taste of the finished product.
Their main shop is in Tomigaya, one of Tokyo’s “coolest neighborhoods” and where we have an apartment, and they serve a range of chocolate treats from bars and tablets to drinks.
Brand site: https://mini-mal.tokyo/ [J]
Find at: Minimal
Shigekix
If you’re a fan of really sour candies such as Warheads or Super Lemon and like Haribo gummy bears because of their extreme chewiness, you just may love Shigekix. Extremely hard in texture, these tough gummies come in either circular tablets or rounded pyramids, and are available in several flavors. The packs are small and are resealable, so they’re easy to take with you. These are one of my favorite candies I’ve come across while living in Japan.
Brand site: https://shigekix.com/ [J]
Find at: Convenience stores, Daiso (Japan)
Fettuccine gummi
Alightly chewy gummy coated with a sour sugary layer similar to Sour Patch Kids or Sour Punch. These Fettuccine gummi packs are small and have a resealable bag so you don’t have to eat all at once or deal with trying to fold the package so they don’t spill.
Brand site: https://www.bourbon.co.jp/ [J]
Find at: Convenience stores, supermarkets
Azuma arare - Truffle salt flavor
A light rice cracker snack, arare has been among the favorites for Japanese to snack on from long ago. This particular one combines the traditional snack with Italian truffles to create a tasty and addictive cracker treat.
Brand site: https://www.azuma-arare.co.jp/ [J]
Find at: Seijo Ishii
Cosmetics
Deuxer hair wax
Japanese hair wax for men and women by a company called Number Three. There’s about 9 different types of Deuxer hair wax, each numbered from 1-6 and in different colored containers. There’s about 80g of the vegan and PeTA-certified wax in each container. I began using them after noticing a couple hair salons that I went to in Japan were using this brand. I usually get the 5 and it works pretty well for me.
Brand site: https://www.no3.co.jp/ [J]
Find at: Don Quijote, Loft
Rosa Rugosa milky lotion
Lotion from Machinaka Farm in Urahoro, Hokkaido. This lotion is made from essence from a Japanese-native shrub, Hamanasu, which mainly grows in Hokkaido, and aromatic distilled water. While I don’t have experience with this lotion personally, my friend grew to love it while traveling in Hokkaido and claims that this is the best lotion that he’s ever used.
Brand site: https://www.alexcious.com/
Find at: Online
Medicine & personal care
Botchan sekken soap
Known as a really basic soap, Botchan sekken soap can be found at drugstores throughout Japan. They’re a simple white bar-style of soap, and contains no lotions or scents. I have limited experience with them, however, the first time I used it I was surprised at how smooth my skin felt when I washed my face.
Brand site: https://botchan-sekken.jp/ [J]
Find at: Drugstores (Japan)
Ryukakusan
Find at: A soothing solution for itchy, scratchy and irritated throats. Ryukakusan is a powder that comes in small foil packets. If your throat is bothering you, tear one open, pour it in your mouth and swallow. The powder will turn into an easy-to-swallow cream-like substance and your throat will feel soothed. It was a hot item during Covid as many Chinese residents in Japan who knew about Ryukakusan’s benefits would buy them and ship them home to friends and family. I usually get the pink one which is a peach-mint flavor.
Brand site: https://www.ryukakusan.co.jp/ [J]
Find at: Drugstores (Japan)
Ugai
When going out each day, we tend to breath in all sorts of things. One cleanliness habit that many in Japan have is gargling after returning home. This helps with that and contains an alcohol to help get rid of germs in your mouth and throat. Just pour some in water and gargle.
Brand site: https://hc.kowa.co.jp/ [J]
Find at: Drugstores (Japan)
Nonio toothbrush
While I use an electronic toothbrush normally, I usually don’t pack it when traveling. Japan has great dental products and at reasonable prices. My U.S. dentist even said to look to Japan for items or treatment first as many things are first developed there and they also cost a lot in the U.S. Nonio has simple toothbrushes with small heads so they get around the mouth better, and they’re only a couple dollars at most.
Brand site: https://www.lion.co.jp/ [J]
Find at: Drugstores (Japan)
GUM unwaxed dental floss
Another great dental product in Japan is dental floss. They seem to have a better variety, this unwaxed dental floss by GUM, for example. Many of the items I find in the U.S. are waxed or are the type to glide a bit too smoothly. Another GUM floss in Japan is the type that slightly expands while you use it so that it creates more surface area in order to clean better. While these items likely can be found in some stores overseas, they’re probably a little cheaper and more common in Japan, which is why we buy them to take back.
Brand site: https://jp.sunstargum.com/ [J]
Find at: Drugstores (Japan)
Alcohol
Akabu nihonshu (sake)
Dating back to 1896, Akabu is a nihonshu (sake) brewery in Morioka, Iwate Prefecture. Their bottles are designed with various samurai motifs and they’re smooth yet reasonably priced. While alcohol preference is subjective, I and those of around me who have drank nihonshu by Akabu found it to be really good.
Brand site: https://www.akabu1.com/ [J]
Find at: Select liquor shops (Japan)
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Planning a Casual Outdoor Wedding Party in Hawaii
The vendors that we used for our Hawaii wedding party and our experiences with them.
After putting off a celebration for three years, my wife and I decided to have a casual party where friends and family from the U.S., Japan, and elsewhere could gather, have fun, and enjoy each others’ company. We decided to do it in Honolulu in the fall of 2023.
Even though we intended it to be casual, planning it was a lot of work. In this blog, I’ll share who we worked with for our wedding and our experiences with them.
Circumstances and wishes
Accommodate approx. 120 guests
No ceremony
Fully outdoors
Easy for guests to get to and from
Sophisticated yet casual vibe
No sit-down buffet or course dinner
Minimum number of speeches and formalities
Accommodate English and Japanese-speaking guests
Being that this wasn’t typical, all hotel packages didn’t fit and every time a coordinator or vendor we’d reached out to responded with an overly romantic message, we’d get the feeling that they wouldn’t be a match.
Despite these challenges, the night was a success and exceeded all of my expectations.
Here’s what we used and who we ended up working with from to make the night happen:
Invitations & Management
Wedsites
Having guests that needed both English and Japanese communications added a challenge to finding a wedding management service. Wedsites was the only service that we could find that provided multi-lingual online invitation, email and website templates.
It wasn’t a perfect system. For example, it was difficult separating guests by their preferred language when sending out emails as there wasn’t an option to sort by it, so we had to check them one-by-one when sending. And because everything revolved around a template, we couldn’t control things such as how to display dates and time in a manner that was native to Japanese.
Overall though, it seemed like the best service that we could find that had some ability to accommodate multiple languages, and it did the job relatively well.
Venue
La Pietra School for Girls
La Pietra was our first choice from the start, but they don’t open their schedules up until March, and that would be too close to our September target date to bet everything on them. We actually had the Hawaii State Art Museum lined up, but their communication with us was spotty at best and overall, they weren’t really helpful. We also found out later that due to their location and lack of parking, it would be basically impossible to have valet service, and the nearby area is not the safest for night events with friends and family.
Luckily, La Pietra notified us that we could select a target date with them and it happened to still be available. While they’re not the cheapest option and they come with some strict rules and limited parking, they were very responsive and helpful throughout the process. Their location at the foot of Diamond Head is fantastic, their campus is beautiful, and they made for a great location to have our celebration.
https://www.lapietra.edu/about/facility-rentals/inquiry
Planner/Coordinator
Lauren R.
Finding a planner/coordinator was a bit difficult, especially because we started our search only a few months before our date, and because most wedding planners have their set approach and teams. We, on the other hand, were looking for something a bit different from the typical.
Our planner/coordinator happened to be someone who had never done a wedding before.
We got connected to her through my mom’s friend. Moving back to Hawaii a few years ago, Lauren’s experience centered around doing events and corporate parties for companies on the U.S. Mainland, and her non-traditional approach and experience getting people to socialize and interact was perfect.
Throughout the process, she was very helpful and made sure everything went the way it was supposed to. She doesn’t have a website or anything that I know of (this was just a side gig, after all), but if anyone’s interested, contact me and I’ll reach out to her and see if she’s open to helping out. I’d definitely recommend her.
Catering
Livestock Tavern & Tchin Tchin! Bar
Two of Downtown Honolulu’s hippest spots, they’re actually run by the same company. While we reached out to a few other vendors, Livestock / Tchin Tchin! were the ones we were hoping for from the beginning because we wanted to have food and drink vendors that we actually liked at our party.
They were really good at working with us to adjust our menu as well as offer services to us so that we wouldn’t have to find someone else to help out. They provided cocktail foods and drinks, had wait staff walk around the party offering the dishes and bartenders handing out beer, pouring wine and mixing the cocktails.
At the end, they did all the clean up and everything went really smoothly. They even kept our leftover drinks for us to pick up at their restaurant a few days after. If you want friendly service and a crew that does things well, I recommend them.
For non-alcohol drinks (seltzers, coffee, water, kids’ juices), we bought and packed them ourselves, then brought them to the event. Livestock / Tchin Tchin! were willing to man those stations for us for the evening.
Black Sheep Cream Co.
Perhaps our favorite ice cream in Hawaii, Black Sheep Cream Co. was our first choice when we thought about having a dessert vendor. They have an amazing list of flavors to choose from, and we could choose 3 for our party, a cookies-and-cream one, coffee and black sesame.
They came about an hour into our party, discreetly set up a little cart under an umbrella that we were asked to get for them, and began serving. We were also able to pick up the leftovers from their Waipio location which was great since we like their ice cream so much.
https://www.instagram.com/blacksheepcreamco
The Alley @ Aiea Bowl
We’re not fans of most American cakes, they’re too sweet. But how can you have a party without cake, right? One of the cakes that we like is the lemon crunch cake from popular local spot Aiea Bowl.
We ordered lemon crunch cakes and a strawberry crunch cake of the same style, had someone pick them up and bring them to our party. Cake stands and servers were prepared by us, and our planner/coordinator helped with managing their set up and clean up. It seemed that everyone else liked them too as I think they were gone pretty quickly.
https://aieabowl.com/restaurant/bakery/
Hauoli Pastry
Hauoli Pastry and their mochisadas were introduced to us by our planner/coordinator. We had planned on having malasadas, the doughnut-like pastry that’s popular in Hawaii, but when I went to try these mochisadas at a school fair, I wanted to find a way to have them instead.
Mochisadas are small chewy, mochi-like doughnuts with a light sugar coating on the outside. John, the pastry chef and owner, had options to either set up a booth and cook them on-site or do a drop off just before dessert time. We chose the drop-off, our planner/coordinator handled it, and everything went smoothly. I’m really glad we were able to have these at our party, although I wish could’ve eaten more!
Tables, linens, etc.
Event Accents
After browsing catalogs and reaching out to a few different furniture rental companies, Event Accents had the most options at reasonable prices, and they were able to accommodate our weekend event.
Their rental minimum for a weekend event was $5,000, but our order exceeded that mark. About 4 hours for set up and 2 hours for clean up was requested, so this did add to the time we needed to rent the venue. Everything was completed without issue and the staff was responsive and helpful throughout the process.
WedCycle
We bought some of the small decorations ourselves on SHEIN and Amazon, and at places like Target, but we also rented a lot. WedCycle, a boutique rental service located in West Oahu, was a great option as it helped eliminate waste since we only had plans to use a lot of decorative items once.
While they asked to change the exchange time from what was planned, the owners were personable and everything went smoothly.
https://www.wedcyclehawaii.com/
The Wedding Linen Company
While Event Accents rented out linens through their partner, Fine Linen Rental, their prices were quite high and many of the options had to be shipped in. The Wedding Linen Company had the linens we needed for a lot less and they came pressed when our planner/coordinator picked them up.
https://theweddinglinencompany.com/
Wasara
Due to the casual nature of our wedding party, we decided to have disposable plates and utensils. As you know, most of these types of things are unstylish. We decided to buy matte black plastic forks from Sabert, and we bought paper plates from Wasara.
Based in Japan, Wasara adds class to typical paper dishes and disposable utensils, items that almost always get overlooked in the U.S. Square-shaped and designed with a slight wave, these plates were easy to hold, just the right size for the cocktail foods, and they looked nice. A lot of guests made positive comments about them as they’re not known or seen.
Floral
Watanabe Floral
The go-to place for flowers on Oahu, Watanabe Floral had options to customize floral arrangements for pick up or delivery as well as individual items for purchase.
Having Watanabe make the arrangements were ridiculously expensive, however. For an 8-foot garland for a farm table made of an arrangement of mainly greens and a little bit of small white flowers, we were quoted $640/each. For a 4-foot version, $320. Delivery would’ve been $40.
This would’ve totaled to quite a bit considering there were several tables to cover, so we decided to purchase the items individually and put them together ourselves. It was a lot of work, but it saved us a lot of money in the end.
Cindy’s Lei Shoppe
Located in Chinatown, Cindy’s Lei Shoppe had a nice catalog at decent prices. Some leis we were considering weren’t available and a couple of our orders needed to be adjusted, but that can’t be helped as they depend on the flowers coming in.
Their staff was really friendly and patient, especially with me since I don’t know much about flowers and leis. We’re very satisfied with them and recommend them.
https://www.cindysleishoppe.com/
MC, music & entertainment
Torch Hawaii
For lights, sound, MC and DJ, we went with Torch Hawaii as we’re connected through a mutual friend. They were able to overcome some big external issues that was out of either of our hands, and were flawless for our event.
The MC, Kaulana, was really personable and always made us feel relaxed and reassured that things were being taken care of just how we wanted it. He’s amazing at reading the crowd and their energy, and responding accordingly.
Prior to the party, we submitted a short song list so they could get a feel for what we wanted them to play throughout the evening, and the music was on point for the whole time. We’re really happy to have been able to work with them and would easily recommend them.
https://www.instagram.com/torchhawaii/
Jordan Paul
What’s an outdoor wedding party without live music, right? To set the mood at the beginning of our event and for the first hour or so, we had local singer songwriter (and my cousin) Jordan Paul perform. Based on Kauai, Jordan not only performs locally but has also toured as far away as Europe, performing for enthusiastic crowds there.
He was a breeze to work with and was exactly the vibe we were looking for. Guests who didn’t know we were related came up to us complimenting him, so I definitely recommend checking him out.
https://www.instagram.com/jordvnpaul/
Photography
Colby and Jess
As someone who takes photos myself, I was a bit particular about who I wanted to work with. I looked around at potential candidates but would find reasons to not go through with them. I was referred to Colby and Jess by a great photographer we worked with in Japan, Sam Spicer.
Colby flew into Honolulu from Maui, was really chill and easygoing, and helped us feel relaxed in front of the camera. He was able to capture great photos of us, our event and the moments that happened and delivered 385 shots from the evening. We're very happy that we worked with Colby, wouldn't hesitate to work with him again, and would recommend him to anyone.
Signage
Zazzle
Due to their wide range of customizable products, Zazzle proved to be a good one-stop option to get our signage and thank you stationary from. We ordered directional signs for parking and guidance, a welcome sign, drink and food menus, and tabletop directions on what to do with the disposable cameras that we had left out for guests to use.
Products could be designed on the site simply by editing existing designs, and everything arrived as ordered with no issues.
Guest Photo/Video Sharing
Guestpix
We wanted our evening to be documented as much as possible, and getting the guests involved is a great way to do that. Guestpix allowed guests to easily upload the photos and videos they took into a gallery that could be downloaded and shared by us after.
This could be done by providing a link to an online drive, however this service was more seamless for those who may not be as tech-savvy. QR codes were generated by the service and we printed them out and left them around our event for easy access. We were able to download all of the content submitted and everything was separated into folders according to which guest uploaded them.
It’s a pretty easy tool to use and a great way to easily collect the photos and videos from your event.
Insurance
The Event Helper
Insurance was required for us to have by the venue, and we were able to get coverage quickly through The Event Helper. I’m not sure how they compare to other options, however I had no issues and getting coverage was pretty simple as it’s just going through a few pages of online questions.
https://application.theeventhelper.com/
Security
Honolulu Police Department
Officer presence was requested by the venue, and we were able to apply for an off-duty police officer through an online application. Payment was made by check directly to the officer who reported at the time of the event.
https://www.honolulupd.org/police-services/hire-a-special-duty-officer/order/
I hope my comprehensive list and reviews give some insight as to who you could potentially work with for a casual yet classy outdoor wedding party on Oahu. While planning was still a lot of work and at times quite chaotic, the actual wedding party went smoothly, guests had a great time and so did we - and that’s what matters.
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Buying an Apartment in Tokyo
What apartment-hunting and buying was like in Tokyo, how much apartments cost in the city, and some things that should be considered.
Buying an apartment in Japan was one of the biggest decisions in my life and also one of the most tedious and length processes I’ve ever been a part of. But alas, I, someone who often overthinks and resists taking big risks, decided to pull the trigger and buy an apartment in central Tokyo.
Why we bought an apartment in Tokyo
Japan is a second home to me. It’s a place that I have a desire and need to visit, not just to be a tourist but to go about my daily life. My wife is Japanese and from Tokyo, so it would be a place where we’d come back to anyways, with or without a home.
I also recently started my own company with a Japanese corporation and do a lot of work with and in Japan.
In short, it made sense to have a place in Tokyo.
How much do apartments in central Tokyo cost?
Tokyo is one of the biggest cities in the world both in population and economic size. It’s a dense city with homes on the smaller side because space comes at a premium.
Factors that contribute to the cost are things like whether or not it’s in Tokyo’s main 23 wards, and if so, which ward, what the nearest train station is, how far it is from the train station, what type of construction the building is and the age of the apartment. The difference in what you can get for your money can be quite big
For example, it would be typical for a brand new 1-bedroom apartment in desirable wards such as Minato and Shibuya to start at around ¥128M. On the other hand, one outside the main 23 wards to start around ¥40M.
Many locals actually opt to purchase homes in more affordable areas that are outside of the main 23 wards.
Our budget was roughly US $325-400k. This amount meant that it would be a struggle to get a 1LDK (1 bedroom with living room and kitchen) in a highly desirable place in central Tokyo that wasn’t too old. For most Tokyo residents with a similar budget, it would make sense to live further away from central areas or from stations.
With this budget, you could get a lived-in 2-bedroom condo further out from central Tokyo or a brand new 2-story house in places such as the small city I lived in Fukuoka.
What we considered
Location-first
Because we don’t plan on being in Japan for most of the year, we had the option to be more flexible with the size of the apartment. We decided to sacrifice the space a little and prioritize location.
This would add a lot more convenience to our stays while also helping to limit depreciation in home value, which often happens in Japan.
Our target location was the Tomigaya area, an area that we had visited often while living in Tokyo. Over the years, this “Inner Shibuya” neighborhood has grown significantly in popularity with its highly-rated eateries and coffee shops, and despite it being just outside of Shibuya and Harajuku, it still retains a quaint and somewhat sophisticated vibe.
In 2023, Time Out magazine said that “Tomigaya is one of the world's top 10 coolest neighbourhoods”.
Earthquake resistance of buildings
While apartment hunting, we learned that buildings were built with varying earthquake standards depending on the year they were built.
Buildings built before 1981 were built to withstand a Shindo-5 on the Japanese scale measuring intensity. Buildings built in 1981 or later were built to withstand a Shindo-6 or 7.
“Shindo” measures the intensity of the earthquake that is felt.
Retrofitting
The government is trying to get all buildings along main roads retrofitted to help better secure them in the event of a disaster. Not all buildings have been retrofitted yet, however, meaning that if the government requests an apartment building to be retrofitted, residents there may have to pay some money.
While we looked at 5 different apartments in our general target area, only 2 were built after 1981. These would likely be the best options both in terms of safety and property value if we were to sell the apartment sometime in the future.
We decided to apply for one of those two, and luckily we were approved.
Purchasing
One difference with Japan versus the U.S. is that there’s more freedom in Japan regarding who you work with. You can work with multiple real-estate agents and companies while doing your search, and this is what we did.
When it was time to start the next phase of the process, we went to the real estate agency managing the property we wanted to discuss making the offer.
Making the offer
Offers are accepted on a first-come, first-serve basis, and buyers have the option to offer the asking amount or lower. If it’s lower but the next person offers the asking price, the buyer will likely sell to the one willing to pay the price they asked for.
After some consideration, we decided to offer the asking price and luckily the buyer accepted. While we entertained offering lower, the availability of a place like this that’s close to our budget is too uncommon and the demand in the area was just too high. We were reassured that we made the right choice when a second bid came in from someone who had been unsuccessfully looking for a place in the area for the past 7 years.
Locking in the agreement
We met with the agency and the seller in a 3-way meeting, signed and stamped several papers, and paid the seller ¥2.5M in cash to lock in the agreement. The reason why it’s recommended to pay in cash is to avoid fees. It is, however, a bit nerve-wracking to carry that much cash on you!
After this was completed, the long process of actually purchasing, handing over and registering the apartment began.
The entire process from searching to receiving the keys took a little over 3 months. It was lengthy, stressful, and something I was glad to have finally completed.
The next step is doing some renovations to the dated interior. I’ll update about that later, but this is a solid step forward in being able to have a life between two countries.
Don’t forget to watch my video which shows this entire process, including the apartments we looked at:
Watch on YouTube
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About My Japan-Related Business
I started a company that is connected to Japan, helping businesses do international marketing to the country.
In 2023, I officially started a business that works a lot with Japan.
After teaching English in Fukuoka, Japan as an ALT on the JET Program, I went back into the social media / digital marketing world. It was what I had done at a startup in Silicon Valley before moving to Japan.
I fortunately found a job at a medium-sized Japanese digital agency called TAM which had been around for more than a couple decades, and worked with the CEO to help crack a window so that the company could do more internationally related work.
What I’ve learned doing international marketing
The language and cultural barriers that exist between Japan and other countries, especially Western ones, prevent most Japanese companies from working with ones outside of Japan and vice versa. They also present enormous challenges for businesses trying to market and sell to and from Japan.
Throughout my years at TAM, I’ve worked on Japanese government projects, helping clients such as the Tokyo Metropolitan Government and the Yokohama City Government with outbound international marketing.
I’ve also worked with a lot of international companies trying to market to Japanese people - Small startups, large corporations, airlines, fashion brands and so on. While doing so, I’ve learned the different challenges that are common, what some of their needs are and what I could do to help them.
I will continue doing this through my new company.
My company is called TAMKO X, and we are an independently operating company within the TAM Group.
What my company does
The TAM Group has several companies within it doing things like digital ad strategy, content production, e-commerce site design, AI tool building, VR world creation and more. And with the way that we’re set up, we can all draw upon the group’s resources, knowledge and network when we need to in order to best help clients.
For the projects I’ve been a part of in the past several years, I collaborated with Japanese specialists at TAM because they know the market the best and they’re Japanese themselves. They currently live in Japan so they have an up-to-date pulse on things, so together we’re able to help out and provide a lot of value to these international clients.
The challenges we help businesses with
I’ve learned that most of the challenges international businesses face when trying to market to Japan extends beyond just translating and learning business etiquette and things like that.
Much of it relates to how to actually reach and communicate with people in Japan in a natural way, how to build relevance with their lifestyles which can be quite different so they pay attention, and then how to spark an interest so they think about buying.
A lot of times the approach in marketing communications is quite different from how they’d be done in places like the US, for example, and there are a lot of nuances to think about and figure out.
We help localize and connect culture so that our clients have a better chance at getting Japanese customers. We do this through things like native Japanese social media, content creation and transcreation, influencer marketing, Japanese ad management, website creation, Japanese article creation and publications. Basically if it’s a form of digital communication that can have an affect on people, we can do it.
I’m looking forward to continue working with those I currently work with but also working with new passionate clients and new people who would like to collaborate on these types of project as well.
If you’re interested, feel free to contact me.
Website: https://tamkox.com
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Why Moving Back May Be Hard After Living Abroad
Here are some common challenges American expats may face when moving back to the U.S., based on my personal experience.
I’m basically an immigrant in my home country of the US.
This is the result of living overseas for about 13 years. Here, I’ll highlight some general challenges that I’ve either faced or realized may be an issue that can affect those moving back to the US from wherever they may be.
If you are living abroad and planning to move back to the US or are planning to move abroad, you may find my realizations useful.
1. You may lack relevant professional experience
The work you do overseas may not have much relevance to a job you’re looking to do back home. Even for someone like me who works in marketing, some of the things I do is for the Japanese market, which would be quite different if an employer was looking to market to people in the US.
Even if you do have relevant experience, it may be likely that an employer will favor someone who is equally as qualified as you if their experience is in the US. Why? People want to protect themselves and make sure they’re doing their job correctly.
Not being able to judge your foreign work, skills, company, clients, etc., means more risk to the person in charge of hiring.
You may also have fewer professional connections since you’ve been away.
Knowing people and maintaining those relationships matters. The longer you’re away, the higher the chance that your professional relationships have weakened over time.
Your relevance will decrease with time and distance. This is why I believe you should build some your personal brand (reputation) online at some level so that you can be found from anywhere and people can’t connect with you based on interest.
2. The US government may doubt you
There’s a chance you’ll run into issues with moving back to the US if you’ve been overseas for a while. This is especially true if you end up marrying a foreigner and are sponsoring them for a spousal visa.
While applying for a spousal visa for my Japanese wife, I was asked to provide more proof that I actually intended to move back to the US. This is difficult because while the US has “permanent addresses” that could be a sign of intention to relocate back if it’s a U.S. address, there’s no official legal documentation for it.
I ended up having to gather various pieces of evidence that I still kept an American base, signaling an intention to one day move back. I talked about it in my video, but basically if you’ve been gone for a while, it might not exactly be free sailing back home.
3. Your credit might be good but too weak
Just because your credit score is good doesn’t mean you won’t run into problems, I realized.
I had no problems getting a mobile phone contract nor a new credit card, but I wasn’t able to get a good rate for a car lease. I wasn’t denied, but the amount was roughly double what was being advertised even with a decent downpayment.
The reason given to me was that while my credit was good, I didn’t have enough credit history.
I had never taken out a personal loan or car loan, never bought a house and didn’t have any tuition loans. I did have credit cards, but due to living overseas, they were rarely used.
Even though my credit score was said to be 114 points above the average for my age, that didn’t mean that I was being offered what others with that score were when it comes to bigger purchases.
4. You may notice “gaps” in your existing relationships due to time and distance
When you first move back and see friends, family and acquaintances, things are great because they’re happy you’re back and you can have a good time reminiscing about your past experiences together.
You’ll realize, however, that everyone has different lives, routines and rhythms that aren’t like how they were before. And the same goes for you since you’ve likely changed quite a bit while living abroad.
Activities and interests that tied you together before may have changed, and rebuilding your relationships requires some adjusting. There may be a bit of feeling like an outsider, because in a sense, you are. But if you’re both willing to work at it, you should be able to bring your relationship up to speed and build on them.
I hope this provides some insight into what challenges are common for American expats when moving back to the US. I’m sure this doesn’t cover them all and returning may be difficult, but having an international life isn’t meant to be simple.
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Unexpected Struggles Moving From Japan to the US
Here are a things you should know when it comes to moving out of Japan while trying to have an international life.
My wife and I recently moved out of Japan to Hawaii, USA, with the expectation that we’d be back in Japan from time to time.
She’s Japanese, and even though we did a lot to prepare for the move so we could maintain an international life, there are things that we forgot, didn’t know or just made mistakes with.
If you plan to do the same, I recommend you to make sure you avoid these issues better than we did so you can avoid future hassles.
1. Double check your bank status
Banking has been the biggest issue since leaving Japan because we can’t access our money. Here’s what happened.
Opting to not pay monthly international usage fees was a mistake
My wife’s main bank account is with Mitsubishi UFJ, one of the major banks. With most banks in Japan, if you’re going to be overseas, you’re supposed to opt-in to be charged a monthly fee, which we thought to was mainly so we could use functions such as international bank transfers.
The plan was to use Wise for these transfers since it’s a service that helps you transfer money overseas between accounts for a lot cheaper. Using it doesn’t require international bank transfers since you transfer money to their Japan account and they deposit that amount into the overseas one, meaning we wouldn’t be doing anything “international” with UFJ.
Unfortunately, you’re not allowed to even be overseas really and use your bank account normally unless you pay that monthly fee.
When my wife tried to make a domestic transfer while in the US, she was immediately locked out of her account.
Don’t forget going through the extra security checks
After doing away with my UFJ account (it was my main account, but long story), I decided to have my secondary account at Yucho Bank (Japan Post) be my main one.
I overlooked the fact that I hadn’t applied to use all of the features of my bank account.
Like at many banks, just because you’ve gone through the process of opening a bank account and are able to use online banking, it doesn’t mean you can use other functions such as sending and receiving money.
In order to be able to do this, you need to go through additional security checks, and I overlooked the fact that I hadn’t done it. Because of this, my bank didn’t allow me to connect with Wise for domestic transfers.
2. Prepare for Apple ID Issues
As you may know if you’re an iPhone user, your Apple ID is not universal - it’s tied to a country.
Because I had an iPhone before moving to Japan in the US, that was my main account. I ended up getting a Japan Apple ID as well because there are certain apps that are useful in Japan and not available in the US App Store.
After moving back to the US, I needed to update my Japan apps and when I tried to login, Apple sent a confirmation code to my Japan phone number, the number I had cancelled when I left the country
Go through an account recovery with Apple
I had to make an account recovery request and go through a series of steps.
Once the request is successfully submitted, you’re told that you’ll be contacted exactly 2 weeks from the time of submission to finish up the process.
I went in and changed my Japanese Apple ID to my US phone number so that I could log in again. Thankfully all that worked out and I can access the Japan App Store.
The inability to switch county settings for accounts is not only an Apple problem
This is an issue with other apps as well. For example, for LINE, you have to go through a somewhat tedious process to change your linked phone number if you move countries.
3. Know that you can’t switch countries for Google AdSense
A lot of people will start a blog or YouTube channel when living abroad, and some will monetize it with Google AdSense.
This may lead to Google AdSense depositing payouts in your Japanese bank account. This was the case for me.
Despite registering my US tax info as required for US citizens, Google does not allow you to switch the country it’s tied to once it’s set.
How to switch countries for Google AdSense
Cancel your Google AdSense account
Open a new account in your new country
Submit a request to have your new account connected to your YouTube channel
It can take a little while and during this time, you don’t get paid. This is the only way I know of.
I hope this helps. Feel free to share or ask any questions you might have.
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Initial Reverse Culture Shocks Moving From Tokyo, Japan to Hawaii, USA
These are the initial things that have caught my attention in this early phase of reverse culture shock returning from Japan to Hawaii.
I lived in Japan for a total of 13 years, experiencing life both in the countryside and in the big city of Tokyo.
I would occasionally visit the US, most often my hometown of Honolulu, and there were always things that would stand out and require me to readjust to. Due to the pandemic, this is the longest period of not being in the US I’ve ever had.
A couple months ago, I returned to Honolulu to live. These are 11 things that are catching my attention in this early phase of reverse culture shock.
1. Service is way more casual
This was apparent right from my flight from Japan on Hawaiian Airlines. Staff were friendly and treated passengers like friends.
“Here’s your dinner, snack or whatever you want to call it.” said the flight attendant giving me my meal. Whatever I want to call it?
To her credit, the Hawaiian Airlines meal is more than a snack but definitely lacking as a meal compared to other airlines, so it is a bit hard to label.
“You don’t want your cookie? It’s the best part!” another flight attendant said while picking up the meal trays.
Casual and friendly? Yes. Fitting with the local culture in Hawaii? Yes. As someone who grew up in Hawaii, it’s fine with me, but this type of service may be seen as too casual for someone expecting to be treated like a customer.
This is a huge contrast to how it typically is in Japan, as everything is formal, by the book, and overall really good but often lacking in human connection and empathy.
2. Smartphone apps are a lot better
Many in Japan are mobile-only, yet the smartphone app ecosystem is not as robust as it is in the US.
For example, the main app for my bank account at JP Post only allows me to see my balance and transactions. If I want to send money, I need to apply, go through a tedious security check, and use a second app. If I want to access my account on a PC, I need to apply for yet another login, and then use that separate login.
Hakuyosha, a dry cleaning chain, has an app where you can register as a customer and earn points. It doesn’t keep transactions and you can’t use it to drop off or pick up your dry cleaning.
Systems aren’t connected which makes many apps in Japan less useful and feel like they’re several years behind the US in terms of functionality.
3. Mask usage varies
At the time I left Japan in last August 2022, nearly everyone still wore masks indoors and outdoors, although it began to decrease.
I’m not sure how many wore it because they wanted to, felt they had to, or did it because it was what everyone else was doing and didn’t want to cause problems by not doing so.
Coming back to the US, it seems to vary by location and time of day, at least in Honolulu. Overall, I’d say around 20-30% wear masks indoors.
4. Prices are high
The higher prices on everything, especially now with inflation issues, are a hard pill to swallow.
Add into the equation the fact that I’ve been earning Japanese yen, a currency that has lost more than -26% in value against USD so far in 2022 (as of Oct), prices and my severely weakened buying power are catching my attention.
Tipping at restaurants, something not done in Japan, add to things, of course.
5. No updated price tags sometimes
While I’ve only seen this at Macy’s so far, I found it too odd to ignore. With no price tag on some items, there were signs saying to download their app and scan the item with it in order to “get prices in a snap”.
Why would a store make you go through an extra step to see the price? Being physically so close to the point of purchase, store should make buying easy to do.
The overall feel of the store at the location I went to was also a bit dingy and disheveled, especially compared with department stores in Japan.
6. Way more dog-friendly
Dogs in banks, cafes, clothing stores, etc. This is something I’m not use to seeing in Japan as dogs basically need to be tied up outside.
The dogs I’ve seen have been bigger than most in Japan, well-trained, well-behaved, and the overall pet dog environment seems to be a lot better.
7. Linear TV is dead
Streaming streaming streaming. Japan is full of streaming services as well, but not to the level that it is in the US.
Japan also doesn’t have YouTube TV, the service that basically gives you everything cable would. They also don’t have services like HBO Max, Peacock, etc. and they have limited cable TV that’s free (unless you pay the NHK bill or let their salesperson in, which most don’t).
8. Fruits aren’t as good on average
Japanese tourists like to take photos. of the fruit section in American supermarkets because of how they’re piled up in volumes. Unfortunately, the typical fruit doesn’t taste as good as their Japanese counterpart.
I’ve had good mangoes so far (I’m in Hawaii so go figure), but strawberries, melons, grapes… just not as good as Japan’s.
9. Trash is easier but probably not as good
In Honolulu, there are 3 trash bins: A grey one for regular trash, a blue one for recyclables, and a green one for yard waste.
In Japan, it varies by city, but in central Tokyo, most trash needs to be separated a lot more, despite being one of the relaxed cities when it comes to trash disposal.
This includes taking off labels from plastic bottles when disposing them, glass bottles, cans, burnable trash, etc. Milk cartons need to be separated. The disposal of slightly bigger objects need to be paid for and a pick-up needs to be scheduled. There are more rules and even in restaurants, paper and plastic are separated and there is another receptacle to get rid of any liquid before throwing cups away.
It feels odd to throw so many types of trash in a single waste basket or bin. It’s easier and more convenient, but is probably not as good and takes more work at recycling facilities.
10. Modern Japanese toilets are more common
The bathroom in general is one area that the US lags behind. Toilets and showers were so basic for the longest time.
While I’ve been aware of the increase in focus on modern Japanese toilets, as well as brands coming up selling attachable bidets, it’s interesting to see it first hand. From seeing them mentioned in hit drama series This Is Us to seeing TOTO washlet attachments being sold at Costco, it’s a welcomed change in American hygiene.
11. Social Security Numbers are useful
This is overlooked as Americans, but my Japanese wife noticed how important social security numbers are.
Japan introduced their own version of an SSN a few years ago called “My Number”, and it still has very little usage due to systems not being connected with each other.
Many places don’t take My Number and choose to verify or check people’s status through traditional, analog methods such as official residence forms.
If you’d like to watch me cover this topic, check out the video here.
I share my experiences and tips for dealing with money if you're traveling or moving to Japan. My preferred banks in the U.S and Japan, how to use Apple Pay, and the credit cards that I use.