Showing posts with label Money Matters::金銭的な話. Show all posts
Showing posts with label Money Matters::金銭的な話. Show all posts

4. On giving birth, General Hospital or Small Maternity Clinic?

>> Saturday, March 20, 2010


They say, expecting mothers should think very carefully on whether she wants to give birth in a General hospital or at a small maternity clinic. In my case, 
I actually didn't choose between the two prior to delivery. It just happened that when I consulted to obstetrician-gynecologists or OB-GYNs (In the first place, I was'nt expecting that I am pregnant), I looked for a clinic with female OB-GYN . And so I googled for nearby clinics and found "Kobayashi Sanfujinka or 小林産婦人科 " which is conviniently located 2 minutes walk from Tateishi station - next stop from the nearest station to where I live. It is also 20 minutes walk from our house.


Kobayashi Sanfujinka is a small private clinic runs by veterans OB-GYN couple (Doctors Kobayashi). The director of the clinic is the wife (Doctor Eiko Kobayashi ) - a veteran physician who had internship at St. Luke's International Hospital (聖路加国際病院) and worked at Keio University Hospital(慶応義塾大学病院) before establishing this clinic in July 1978.

I liked the clinic and impressed with Doctor Kobayashi (Eiko sensei) during my first check-up. I later learned that they also accomodates for child delivery (お産). The clinic actually, has, I think, 3-4 private rooms and 2 or 1 shared rooms which are all in the second floor.The check-up/consultation is held in the first floor. 

Although the check-up schedule for Doctor Eiko is only every Thursday morning, I still preferred this clinic because I wanted a female OB-GYN and that I can still go to work after check-up since the check up is by appointment thus less waiting time.

Actually, there is Japanese Red Cross Maternity Hospital (葛飾赤十字産院) close to our place - closer than Kobayashi Clinic. But reading from various blogs and online bulletin-boards, it seems that this general hospital is always crowded and you have to wait for hours and that you may not be able to choose the physician that you want because the doctors keep changing based on thier schedule.

I had my two children born at Kobayashi Clinic, so the doctors and most of the nurses and the guest female pediatrician knows us well already. This small clinic gives you a very at-home feeling! The building is old but clean and the food is really yummy and healthy! The doctor even gave me fresh flowers picked from her graden and gift for the baby! I also noticed that some foreigners come for check up and baby delivery here. Doctor Eiko sometimes talk to me in English, especially with some medical terms, but most of our conversation is in Japanese which is fine with me (I mean, in the first place, english speaking clinic/hospital is not what Im looking for).

The guest Pediatrician is only available every Thursday morning,also the Morinaga milk nutritionist and you can ask for advises without consultation fee from her. My children's 1st, 3moths, 6months, 12months and 18months check-up were all done in this clinic and also most of thier vaccines. After check-ups, the nurses would give infant drinks or baby food or sometimes hand towels.

Kobayashi clinic, If I remember it right has the following services and small tokens:

Maternity Check Ups
Even though they are private, the free coupons for maternity check ups from Katsushika city ward can be used. (Same as the infant/toddlers vaccine/check ups). 
- During check up (ultrasound), the nurses record the baby's movements into VHS, and the VHS is all yours, so even my hubby wasn't with me during the check-ups, he was watching it from the VHS later at home. Its amazing that you can see how your baby is growing through this VHS, well its black and white and is 2D. The clinic has no 3D ultrasound device :( (I had to go to a hospital n Chiba for this).

Maternity Aerobics/ Maternity Yoga
Held once a week and allowed only after checking body and baby condition. You have to deposit 10,000yen to sign up (but this 10,000yen will be reimburse when you pay for the hospital fee if you give birth there). You can attend from 20th week (I think not sure though), in my case I attended from 26th weeks when I took 1 month prior to the usual maternity vacation from work (In japan, its 8 weeks before scheduled delivery date). I had so much fun and made some friends. I think we were at least 15 preggies - dancing,  jumping, and bending at a small dancing room in Katsushika Symphony Hills. After maternitybics, we would go to a coffee shop near Aoto Station and would have an exchange of information regarding birth preparations and pregnancy.

Free classes on Maternity/Pregnancy
I think there were 3 sessions, though I remember attending twice only. The first session was a sort of introduction to pregnancy where preggies and husbands were sharing thoughts on how we feel about pregnancy. The second one that I and my husband attended was the demonstration on how the baby will come out and how to overcome the pain during the labor. The head nurse taught my husband how to massage my back and its timing.

Reflexology or Foot Massage few days after Giving birth
I don't exactly remember how long - maybe half to one hour of foot massage. But if feels good, really good! I slept during the massage - very relaxing!

Bakeries/Cakes
I don't exactly remember how many times - but there were special day/s where bakeries/sweets/cake with coffee will be serve at 3PM -  a light snack. Very at-home feeling!  

Gift for the baby and give aways
On the day before check out, the doctor came to my room and gave a very small token for the baby. I think we got stuff toy and a Bjorn bib. Also on the day of the check out, the nurses handed me a Harrods bag full of brochures (In Japanese) on child rearing, morinaga milk (the smallest can), pigeon 100ml glass bottle feeder, etc. She also gave me bandana (on my first time) that Eiko sensei has bought somewhere in Asia in her recent travel - to put on my hair while breast feeding the baby. She recommends to pony tail or cover long hairs as it can iritate the baby's face during breast feeding.

Private rooms
Although a bit old, it is clean and wide enough, has a toilet, sink, refrigerator inside.

Procedures
- When the doctor confirmed that I was pregnant, she asked me to come back after a month and told me to get "Boshi Techo (母子手帳) or Maternity Record" from the health center.
- There were at least two major examinations where I used the yellow colored coupon from the city ward - the pre-pregnancy check up includes HIV test, Hepatitis B test, etc while later check up- the examination is the typical one but the physician made sure I have enough iron - i remember they gave me iron vitamins and folic acid vitamins.
- On my 34th week, after paying for the deposit fee (保証金) and a sort of "Hospitalization Agreement(入院契約書)" which has to be signed by my guarantor (I think anyone can be and not necessary personally hand signature or inkan). They gave me a list of the things to bring to the hospital and brought them on the 36th week.
- The nurses taught me on breastfeeding and breast massage, taking a bath of the baby (both I and my husband on separate days) and they were very welcome to questions. The nurses were so kind too!
- There was an explanation/consultation from Morinaga nutritionist regarding milk feeding.
- The clinic provided me a schedule (and explanation) through out my stay in the hospital. My first was I think 7 days and my 2nd time was 5 days.
-After the baby is born, the nurses gaved my husband a list of what to do (like birth certificate registration at the city ward, applying for child allowance, medical card, etc)
- On the second day onwards, you have to take care of the baby, from 8AM (if I remember it right) to 9PM (or maybe 8PM). The clinic gave me a 6-months Morinaga baby diary where I can jot down the baby's conditions and observations- such as milk feeding time and length, bowel and urine activities. Nurse comes every 3 hours to deliver milk for the baby - they do encourage breast feeding first then use the milk if the baby doesnt want or can't suck yet. The routine was (1)change the diaper before feeding, (2)feed the baby and (3) then put back to crib lying on one side (and then on the other side on the next feed time). I remember they gave a laundry clip to remember which side was the previous one :D.
- When the nurses took blood sample for the baby's examination for "congenital metabolic disorders (先天性代謝異常等検査) ", they asked me if I want to know the baby's blood type too - they recommend it so that they can take blood at once and the baby will cry at once- so its two birds in one shot :D.
-On the day before the check-out, nurses explained to us what to do, schedules of vaccines, check-ups, etc
-On the day of the check-out, nurses game me some skin ointment for the baby, medicine to clean the navel of the baby, my baby's portion of "inunan" - it was dried and neatly placed in a wooden box with baby's name, and  footprint of the baby. Again, we had a snapshot with the doctors and nurses (they gave us copy afterwards) and if you allowed, they will display it in clinic's board and website (we'll we allowed ours).

What to bring to the clinic
  The clinic provided all the baby needs such as clothes(actually it was sort of bathrobe), milk (Morinaga's E-akachan because I have pollen allergy so they recommended this one), feeders and disinfectants (Milton tablet), diapers (Merries), wet cotton wipes, beddings, etc during our stay in the hospital. I just needed to prepare the baby stuffs for check-out.
  They also provided the maternity kit including napkins/pads, 1-2 maternity underwear, anti-bacterial wet tissues, etc ..
Here is the list of what they asked me to bring to the hospital - which I brought to the hospital 4 weeks before my due date.
Clothes
1. Pajamas -preferably with buttons in front
2. Breast-feeding bra (available at Aka-chan Honpo or other maternity shops)
3. Bath towels if there is no "koshimaki"
4. Maternity underwear (産褥 ショーツ)
5. Towels for taking shower
6. Sweaters
7. Slippers (to use inside the clinic)
Sundry Goods
1. Chopstick, Mugs
2. Toothpaste, toothbrush, face cleanser, etc ( There was a shampoo and body soap, just bring if you want your own brand)
3. Alarm clocks, Tissue paper, other you think you will need

Payments
As for the hospital fee, As I said, you have to pay for the deposit on the 34th week.
Fee, in general costs 400,000yen - to 470,000yen. My first cost us around 460,000yen and the second, I think 420,000yen.



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3. Baby stuffs preparation: what,where and when to buy? PARTI: Where to shop for Baby/Children's daily necessities and clothes?

>> Tuesday, December 29, 2009

As you may know, Japan is one of the most expensive cities to live in the world, and coincidentally, everything about the baby here is expensive. I mean really everything - from clothes, toys, milk, baby foods, nappy, etc. One thing I am happy about the babies here is that manufactures never stop searching for new discoveries for the comfort of the parent- one of my favorite is Pampers nappy indicator - A yellow indicator which stretches from the front to the back of the diaper turns green once the undergarment has been soiled. It was 4 years ago so at the present time, there should be more new stuffs.

Anyway, I would like to share some information on shopping infant/childrens daily necessities and clothes. The following are the biggest retailers of infant/childrens goods in Japan.

In Tokyo, you can also find Babies R Us and Akachan-honpo in most of the shopping malls like in Olinas-Kinshicho (Babies R Us), Ario Mall - Kameari or Nishi Arai ( Akachan-Honpo), Funabashi Lala Port, and so on. I find the stores of Nishi-Matsuya to be not so accessible - I think most of them are bit far from the train stations.

Personally, I find Babies R Us a bit expensive but they have wide range of imported products. Nishi-Matsuya clothes are very cheap- you can buy from as low as 380yen and they have wide selection of Cars(Pixar), Anpanman and Disney designed clothes at a very affordable price. It depends on your choice of clothes. As for the baby foods, milk, skin item, etc- I think Akachan honpo is cheap but it is also worthy to check the drugstores near to your place. I find Papaso drugstores’ price, particularly milk and baby foods, to be almost the same as Akachan honpo. Wise thing is to shop when these stores are on sale. Make sure to registered as a member you that they would send you fliers on this months/season’s sale and to gain points too.


Pictures: A Next Next clothes for infants, below is Nishi Matsuya Chain Store.
Online shopping service is available at Babies R Us/Toys are Us and Akachan-honpo. I did use these services to order infant water (for milk), diapers, wipes and other heavy stuffs when my elder son is still a baby and we have no car that time yet.

You can also check Ikea for their product line up for children. They have products from bedroom (beddings/baby cribs/curtains) to toys and kitchen utensils (bibs/mugs/plates/etc). I like their products as they are very colorful which you can seldom find in Japanese stores. Their toys are mostly made from wood - indeed a European style!

You may also want to check
Costco where you can find baby/children clothes, diapers, wipes, milk, English books, toys,etc. Diapers are in bulk and I think only Pampers, Kirkland and Unicharm (Disney designed) are available. Clothes are usually Osh Kosh and Carters signatures and very cheap compared to Osh Kosh boutique in Makuhari Outlet - although design/style are one season older.

As for the baby's clothes, I also recommend the following boutiques:

  • Uniqlo infants/kids - this is where I bought most of the infant clothes I used for my elder one - and still was able to use by my younger one. Mostly made of cotton and I find them durable with a sense of fashion. Very cheap too! Their infant clothes are usually 3pcs in 1 pack.
  • Gap Kids - shop when they are on sale (usuallly after every season). You can find good stuff as low as 500yen!
  • Next Next - a brand from UK and based in Omotesando. I think the price is almost the same as Gap or maybe cheaper but the style is completely different! I prefer girl’s clothes though. Their infant clothes are usually 3pcs in 1 pack and light in colors (gray, white, light pink, light green and light yellow). They also have my favorite color – purple, lavender – related color for girls!
  • Ginza Isamiya - is a store name rather than brand because they sell Rag Mart, FO Kids signatures - same price range as Baby Gap but very durable clothes. When my elder one enrolled to nursery when he was 10months- i bought size 90 shorts as his pants - and 3 years later - he could still use them. They have branch near our place - their main branch is in Ginza (right beside Mitsukoshi).
  • United Colors of Benetton - more expensive than all of the above but their summer clothes and accessories are really lovely! Their Omotensando mega-boutique has wide collection of children's clothes and accessories.
  • Zara kids - Surprisingly they have wide selection for toddlers too. I have never bought here in Japan -as it was in Manila (Zara Rockwell branch) where we shopped, but a friend told me that when Zara Japan goes on sale - clothes could be as low as 500yen too.

I heard
COMME CA ISM
children clothes are also affordable – this is a family of five fox with COMME CA DU MODE FILLE and ARTISAN as its high-end brand, I have never bought clothes from them because they are mostly gray and black in color.

If you want to buy baby clothes of international brand, I recommend that you shop during the winter and summer sale. I always do my shopping at Mitsukoshi Nihonbashi because there are wide variety of children boutiques such as Ralph Lauren, Burberry, JPress, Chloe, Bebe, Miki House, Yumi Katsura, Familiar, Diesel and others.Celine is available at Ginza's branch, Tommy Hillfinger and other European brands could be found in Ebisu branch.

Make sure to grab a 10,000yen "fukubukuro" on Mitsukoshi's new year’s sale (especially Bebe, Castelbajac and Miki House) - You'll be surprised to know that the clothes inside the fukubukuro could be no less than 25,000yen worth of clothes. High-end brands like Ralph Lauren doesn’t have “fukubukuro” but a clearance discount for as low as 50%.

Happy shopping!

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学生専用クレジットカード::Credit Cards for Students

>> Saturday, December 20, 2008

(English follows)
日本では、クレジットカードはデパート、料理店やオンラインストアなどで幅広く使われています。カード会社によって違いますが利用した金額に対して、ポイントが貯めれて、そのポイントをマイレージや精選品に変換できる魅力的なポイントシステムもあります。なので、日本にいると、クレジットカードを持てるととっても便利なことです。

でも、「留学生って日本で発行されているカードがもらえるの?」と疑問したことがあると思います。

私の経験では、できます!また、いくつかの知り合いも留学生ながらクレジットカードを持っていました。但し、クレジット会社は留学生に対して厳しく審査されると思います。なので、申請してみないと分からないのです。

もらえったら、使いすぎないように気を付きましょう!!

クレジットカード完全比較より、学生専用クレジットカードとその年会費を簡単にまとめました。各カードの詳細をクレジットカード完全比較または各カード会社より確認してくださいね。私が学生時代に持っていたカードはこのリストに載っています!









Credit card is widely being use in Japan and most of the shops,restaurants,online stores are accepting credit card payment and thus having a credit card is very convinient here.

But,as a foreign student in Japan, you may wonder if it is possible for you to have one.

In my experience, and some of my friends who were also foreign students, you can apply for credit card as long as you can prove that you have a source of income. If you have scholarship such as Monbukagusho, Rotary, etc, then you can submit the certification from the university that you are recieving a fixed amount of stipend to the credit card company (well, that is if the credit card company had asked you to do so). One of the Asian student I knew, who is just doing a part-time job as his source of income for his studies was given a credit card.

Basically you will need a (1)certification that you are student, (2)identification which is usually Alien Certificate Registration (from the cityhall of the city you are living,(3) bank account to debit your bill and (4)inkan.

So, you may try applying for one and enjoy the point system that could be converted to selected items or even mileage offered by each credit card company.But of course, avoid spending too much with your card!

I googled the cards that offer credit card for students with thier annual membership fee, I do NOT know if all of them grants approval to foreign students, but the list includes the card companies that granted me and some of the students I know.

Information and Images Source:クレジットカード完全比較


  • 三井住友VISAクラシックカードA::Mitsui Sumitomo Visa Classic Card A
    初年度は無料(Free on the 1st year of use)
    翌年度以降ご卒業予定年迄262円(262yen for the following years until year of the expected graduation)



  • 三井住友VISAクラシックカード::Mitsui Sumitomo VISA Classic Card
    在学中無料(Free while student)




  • 三井住友VISAアメティ ::Mitsui Sumitomo VISA Amitie
    在学中無料(Free while student)
    *女性専用(For ladies)"


  • シティステューデントカード::Citi Student Card
    初年度は無料(Free on the 1st year of use)
    *入会後3ヶ月以内に10,000円以上利用することが条件(above is valid only if card is use up to 10,000yen with in 3months after joining)
    翌年度以降1050円(1050yen for the following years)



  • NICOS CAMPUS CARD
    在学中無料(Free while student)
    *※卒業後は、NICOS一般カード(年会費1,312円)へ自動的に継続されます。 (After graduation, the card could be renew as NICOS card with annual fee of 1,312yen)




  • UFJアイムカード::UFJ AIM Card
    在学中無料(Free while student)


  • UFJ カードスヌーピー学生カード::UFJ Card Snoopy Student Card
    在学中無料(Free while student)



  • DCカードエスプリ ::DC Card Esprit
    在学中無料(Free while student)


  • DCカードエスプリニューズ::DC Card Esprit News
    初年度は無料(Free on the 1st year of use)
    翌年度以降ご卒業予定年迄262円(262yen for the following years until year of the expected graduation)
    *保険付き(with insurance)"




  • 学生専用ライフカード::Life Card for Students
    在学中無料(Free while student)


  • JALカード Navi::JAL Card Navi
    在学中無料(Free while student)

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Cheap way to travel within Japan::国内旅行を安くできる青春18きっぷについて

>> Monday, December 15, 2008

(English follows)
 そろそろ冬休みが入りますね。今年の冬休みどのように過ごしますか?
 
 学生時代に、冬休みや夏休みが入るとよく国内旅に出ました。京都、大阪、奈良、広島、徳山、阿南まで遊びに行きました。もちろん、学生だったので、最も安い方法で旅をしました。泊まるのが友人のところや寮で移動は「青春18きっぷ」を利用して、普通か快速電車でした。
 
「青春18きっぷ」とは、JR線の全国普通列車・快速列車の普通車自由席および宮島航路が一日乗り放題となる、 期間限定の特別企画乗車券(トクトクきっぷ)である。「青春18」と言っても使用年齢に制限はありません(小人大人の区別もない)。しかも、このきっぷの使用期間は学生の休みの期間を中心に本当にお得なきっぷです。価格11500円でお1人の5日間連続、または利用期間内いつでも使えます。もちろん、同じ行く先または方向であれば、5 人分としても使用可能です。(写真はWikipediaより)

 このきっぷは時間かかるが、一日で途中で電車に降りてぼらぼらしてからまた乗れるのでとてもお得です。

 今年の発売期間及び利用期間は以下の通りになります。

発売期間
平成20年12月1日~平成21年1月10日

利用期間
平成20年12月10日~平成21年1月20日

発売箇所
JRの主な駅、旅行センター及び主な旅行会社

使い方など詳細な情報に関しては以下のサイトから確認してくださいね。
青春18きっぷの基礎知識
「青春18きっぷ」超基本ルール10 - [鉄道旅行]All About




 Hurray! Winter vacation is coming!

Well, I guess students out there are now excited planning on how they would spend this years's winter vacation.

When I was in college (Toyama and Nagaoka), I travelled a lot and in fact I've been to Kyoto, Osaka, Nara, Hiroshima, Tokuyama(Yamaguchi prefecture), Anan (Tokushima Pref) and so on during summer, spring and winter vacations. Of course as I was just a student and therefore poor enough for luxury travel,I was just taking local or rapid trains using "Seishun 18(Juhachi) Kippu".

"Seishun 18(Juhachi) Kippu"is a JR Seasonal Discount Ticket for unreserved seats at Local and Rapid Trains including JR ferryboat between Miyajimaguchi and Miyajima Island. Although it's name is "Seishun 18 kippu", there is no age limit and has the same price for adult and children. This seasonal discout ticket is especially available during spring,summer,and winter vacations.At the price of 11,500yen, it is good for 5 straight days or 5 days with any interval within the validity period or may be shared by 5 persons if a group travels on the same route.

It may be taking time to reach my final destination, but it was fun especially when with friends or even when I was alone as I kept reading books or enjoy the scenery behind the window. And while waiting for my next train during "norikae", I used to get off and have side trips.

If you are thinking of using this ticket, I recommend that you plan your trip, i.e. take note of the arrival and departure time/station name, because if you miss the train, you may have to wait for more than 1 hr.

Lets say from Yokohama, you want to go to Niigata, let's confirm the train schedule at yahoo.co.jp.
Earliest departure:
04:22 - 05:08 Yokohama Stn -> Ueno Stn
05:13 - 06:55 Ueno Stn -> Takasaki Stn
07:10 - 08:13 Takasaki Stn -> Minakami Stn
08:19 - 10:14 Minakami Stn -> Nagaoka Stn
10:38 - 11:53 Nagaoka Stn -> Niigata Stn
If you can read kanji, I would suggest you buy a jikokuhyou or JR time table - this is manual scheduling but really fun if you know how to use it.


So it would take 7hours by local train compared to 3hours by Shinkansen, but speaking of the money you would spend on one way trip, 2,300yen to 10,700yen!

Oh and by the way, you can refund the remaining unused tickets with a handling charge of 210yen.

This year's winter sale and validity of ticket is as follows:
Date of Sale: 2008/12/1~2009/01/10
Validity: 2008/12/10~2009/01/20
Available at all major JR Stations and travel agencies

For more information regarding the Seishun juhachi kippu - please check the Japan National Tourist Organization

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