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Crime Crime levels are low. It is generally safe to walk about at night and to travel on public transport, but you should maintain the same level of vigilance as you would at home and take sensible precautions. Reports of inappropriate touching or 'chikan' of female passengers on commuter trains are fairly common. The police advise that you shout at the perpetrator to attract attention and ask a fellow passenger to call the train staff. The Roppongi entertainment district of Tokyo is considered a higher risk area for crime. British nationals have been arrested following disputes with bar staff and doormen. There have also been reports of drink spiking with drugs like Rohypnol. Victims have described loss of consciousness for several hours, during which time large amounts have been fraudulently billed to their credit card. If your passport is lost or stolen, you should report this at a police station and get a police report. Learn more at http://hhicfg.com/blog/foreign-travel-advice-japan/ Foreign Travel Advice by The Harver Group - Your Health Insurance Counter Fraud Services Tokyo

"People have homeowners insurance to protect against fires and floods," notes independent financial planner Stephen Ng, founder and president of Stephen Ng Financial Group, (www.stephenngfg.com). "They buy insurance to replace their car if it gets wrecked and they buy health insurance to protect themselves from medical costs. "But for many people, their biggest material asset is their retirement portfolio. When I look at a new client's portfolio and ask, 'Where's your insurance?' they look at me like I'm crazy!" Insure your retirement fund by taking steps to safeguard at least a portion of it, Ng says. As you get closer to retiring, the amount you safeguard will be what you need to rely on for your retirement income. "Your retirement income should be derived from guaranteed sources, such as Social Security benefits and your pension plan," says Ng, a licensed 3(21) fiduciary advisor, certified to advise companies about their 401(k) and other retirement plans. "It's the amount you need to pay the bills and do the other things you hope to do in retirement, so your retirement income needs to be a guaranteed source of income. "Then you look for your 'play checks.' That's the money you don't absolutely have to have, so you can still try to grow it, and take risks with it, in the market."