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    • Signature service / Education / Lesson
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Popular ！ Taiko Eurhythmic Class (Hawaii's only taiko and rhythmic class)

    ✅ April 21 (日) - May 26 Spring Session Registration Now Open ❗ ️
    Let your child reach their full potential ！
    Due to popular demand, only a few seats available ！
    Japanese Drumming Eurhythmic for Young Children 2-5 years old\ (in Honolulu ）
    This program is one of the few opportunities to attend at an early age.

    This is a fun way for parents and children to learn the basics of music, daily discipline, absolute pitch training, and vocal music while playing authentic taiko drums.　

    Every child has unlimited potential, and Taiko Center of the Pacific will help your child reach his or her full potential. Science has proven that it has a positive impact on a child's brain development.

    It is also believed to contribute significantly to a child's development, helping them to acquire a sense of fulfillment and confidence that cannot be gained through schooling alone by acquiring the skills to play a musical instrument.


    Lucy Polanji, a graduate of Osaka College of Music, owner of Polanji Piano Studio, and international taiko instructor, teaches in both English and Japanese.
She practices every Sunday at 9:15am at Washington Middle School.


    Please make an appointment in advance as it is by appointment only.
(808)371-8910 Please feel free to contact us in Japanese.
    Drop-in $ 35 Parking is available in the school's free parking spaces along South King.

    Discounts for long-term continuing students and free bees for children are available.

    A children's drum bachi will be given to those who enroll in the 6-week course. ...

    太鼓ハワイピアノ音楽教室ハワイ幼児英才教育ハワイハワイピアノ教室ハワイリトミック教室
    • Introduction / Professional
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Would you like to take over a computer school or other Hawaii business ？?

    We are a M&A brokerage firm specializing in Hawaii.


    We have the following businesses and companies for sale.



    ■ Computer School Honolulu - Major Price Reduction ！
    Asking Price: $150,000 → $50,000


    ■ Esthetic Salon Waikiki
    Suggested Retail Price ： $115,000


    ■ Apparel ＆ Collector Item Shop Honolulu
    Suggested Retail Price:$250,000


    ■ Lomi Lomi Massage Salon Ala Moana
    MSRP ： $9,500,000


    ■ Jewelry Shop Honolulu
    MSRP ： $1,350,000


    Hawaii Wedding Planning and Sales ・ Photography Honolulu
    MSRP ： $580,000


    ■ Sales, repair and service of high pressure breathing air compressors
    MSRP ： 600,000


    ■ Apparel Planning Company Honolulu
    MSRP ： $50,000 corporate only $100,000 with support



    ■ Education Business Support Honolulu and Ohio
    Providing know-how, working with school corporations, granting classrooms and school sites, investment, etc.





    ●[Contact Us] We reply within 24 hours, seven days a week. Please feel free to contact us.


    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/



    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC
    （ Japan Corporation ） RIGHT INTERNATIONAL, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • Discount / Beauty / Health
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Limited Campaign until the end of July ！ 100 eyelash extensions $ 50（Tax, Tip not included） End of July 2024

    We help you shine to your fullest with attractive eyes and hands that match your life and seasons in Hawaii. With professional skills and customer service from Japan and the U.S., we will provide you with the treatment and suggestions that meet your needs and ・ safety ・ care and attention.
    100 lashes $ 50€(Tax,Tip not included)

    ■ Limited campaign until the end of July 2024 ！
    ───────────────────
    ・ Only for less than 100 lashes ・ Regular price $ 90, half price special $ 50 ！
    ・ For all including current customers
    ・ Not valid with other discounts
    ・ Valid for any number of appointments until end of July 2024

    ■ Store Information
    ───────────────────
    Hours ： 9:00am-5:30pm
    Phone +1 808-460-2433
    Line ID ： anela0821angel
    Store Address ： 655 Keeaumoku st #212


    *We can be flexible for treatment outside business hours. Please feel free to contact us.

    Discount

    Limited Campaign until the end of July 2024 ！ 100 eyelash extensions $ 50!

    ハワイまつエクまつパネイルまつげパーマ
    • Wanted / Professional
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Would you like to sell your [sandwich store ・ burger store] in Hawaii through business succession ？?

    Hawaii business to our client.


    Buyer is a Japanese business owner.


    Any small business or store is acceptable.


    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated M&A brokerage firm].

    [Completely free of charge until the contract is signed] and [Overseas ・ We have over 80 contracts in Japan].




    ●The representative is an administrative scrivener specializing in contract drafting who is bound by law to maintain confidentiality.

    We have been operating our legal office for over 20 years with high credibility.

    Once the transfer is finalized, our legal office will prepare the [M&A contract].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies and other corporations
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies Farms etc.


    *Los Angeles and other mainland US and other English speaking businesses ・ Corporate ・ Store also available for sale.



    ●[Contact Us] We reply within 24 hours 24/7. Please feel free to contact us.


    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • Event / Education / Lesson
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Join the Hawaii International Music Competition ？.

    Join the 🎶🎹 Hawaii International Music Competition ？ 🎻🎶

    Calling all musicians worldwide ！
    LINES ・ Music ・ The Studio is proud to announce the Hawaii International Music Competition. Advanced or amateur, this is your chance to shine ！ 🏆🎵

    📅 Application deadline ： Early application is May 4, 2024 （ Sat ） by end of day. 5-10 days also available for late fee application. Sat.
    🔍 How to Apply ： Please access the application form from the link at the top of your account
    🪙 Payment ： You will find the link at the end of the application form
    🌴 Concert of Excellence ： August 10, 2024 （ Saturday ） 53 By the Sea in Hawaii
    *Kamaaina （ Hawaii residents ） will receive 25% off concert entry fee*

    Advanced division and Amateur divisions, so we welcome those who are new to the competition.
    Please take this opportunity to try it out.

    The winners will be announced on Instagram and on our website on May 15, 2024.

    The selected winners will be invited to a concert of excellence at 53 By the Sea in Hawaii, where they will perform on FAZIOLI's piano with a wonderful ocean view.

    Early application is due by the end of May 4, 2024 （ Sat ）.

    音楽コンクール音楽教室ピアノハワイピアノレッスン習い事
    • Introduction / Auto / Motorcycle
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Cheap rental cars in Hawaii by Aloha Auto Rentals Available for rent at airports/Waikiki/Alamoana, from 1 day.

    Aloha Auto Rentals has been used by 🚘 customers when they suddenly need a car
    for moving, shopping, or driving.
    Please compare our prices with other companies and consult with us.
    Please feel free to contact us.

    Aloha Auto Rentals Recommendations ♪

    1 ． Available for rent in popular areas
    Honolulu Airport Pickup / Waikiki Area Delivery / Ala ・ Also available for rent in Moana area
    2 ． Abundant car models ・ Large inventory
    Our main business is car sales ・ We buy and maintain cars. Our strength is our wide variety of car models and inventory that other car rental companies do not offer.

    3 ． Quick trouble shooting
    We have our own mechanical store, so we can quickly respond to any problems with your car.

    For reservations, please visit the following URL ↓
    https://alohaautorentaljp.com/reservations

    • Introduction / Auto / Motorcycle
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Cheap rental cars in Hawaii by Aloha Auto Rentals Available for rent at airports/Waikiki/Alamoana, from 1 day.

    Aloha Auto Rentals has been used by 🚘 customers when they suddenly need a car
    for moving, shopping, or driving.
    Please compare our prices with other companies and consult with us.
    Please feel free to contact us.

    Aloha Auto Rentals Recommendations ♪

    1 ． Available for rent in popular areas
    Honolulu Airport Pickup / Waikiki Area Delivery / Ala ・ Also available for rent in Moana area
    2 ． Abundant car models ・ Large inventory
    Our main business is car sales ・ We buy and maintain cars. Our strength is our wide variety of car models and inventory that other car rental companies do not offer.

    3 ． Quick trouble shooting
    We have our own mechanical store, so we can quickly respond to any problems with your car.

    For reservations, please visit the following URL ↓
    https://alohaautorentaljp.com/reservations

    • Introduction / Auto / Motorcycle
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    We can take care of all your car needs in Hawaii!

    Aloha Auto Depot is your one-stop shop for all your long-term vehicle rental needs, including used car sales, new car buying assistance, detailing, glass coating, maintenance, repair/registration/safety work, custom orders, lost title, and more. We have local connections that allow us to provide better service than other companies.

    Aloha Auto Depot has three fully bilingual Japanese ＆ English speaking staff to assist you.

    We are also flexible and can respond to any incidents such as sudden car breakdown or battery failure.

    We have seen many car dealerships in Hawaii that have been unable to respond to our customers' needs. $ We have seen cars that were bought at 10000 and the parts inside were badly damaged, or the engine light was turned off after pretending to fix the engine. ？
    At Aloha Auto Depot, we provide our customers with trust and peace of mind.

    We have an office in Kalihi, close to the airport, and we can serve Kakaako, Ala Moana, Waikiki, Kahala area （ and other areas ）.

    If you have any questions or requests, please feel free to contact us in Japanese.

    • Renewal / Auto / Motorcycle
    • 2024/05/04 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Kakaako New Store Open ！ ！ Sell your car ！ ！ Car sales and purchase, cheap car rental, maintenance, repair, and everything about cars in Hawaii ！ ！

    Aloha Auto Depot is your one-stop shop for all your long-term vehicle rental needs, including used car sales, new car buying assistance, detailing, glass coating, maintenance, repair/registration/safety work, custom orders, lost title, and more. We have local connections that allow us to provide better service than other companies.
    Aloha Auto Depot has three fully bilingual Japanese ＆ English speaking staff to assist you.

    We are also flexible and can respond to any incidents such as sudden car breakdown or battery failure.

    We have seen many car dealerships in Hawaii that have been unable to respond to our customers' needs. $ We have seen cars that were bought at 10000 and the parts inside the car were badly damaged, or the engine light was turned off after pretending to fix the engine. ？
    At Aloha Auto Depot, we provide our customers with trust and peace of mind.

    Please feel free to visit our new Kakaako location ！
    We continue to offer rental car airport pick up and drop off at our Kalihi location.

    If you have any questions or requests, please feel free to contact us in Japanese.

    • Wanted / Professional
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Would you like to sell your [hair salon ・ hair salon] in Hawaii through business succession ？?

    Hawaii business to our client.


    Buyer is a Japanese business owner.


    Any small business or store is acceptable.


    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated M&A brokerage firm].

    [Completely free of charge until the contract is signed] and [Overseas ・ We have over 80 contracts in Japan].




    ●The representative is an administrative scrivener specializing in contract drafting who is bound by law to maintain confidentiality.

    We have been operating our legal office for over 20 years with high credibility.

    Once the transfer is finalized, our legal office will prepare the [M&A contract].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies and other corporations
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies Farms etc.


    *Los Angeles and other mainland US and other English speaking businesses ・ Corporate ・ Store also available for sale.



    ●[Contact Us] We reply within 24 hours 24/7. Please feel free to contact us.


    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • Wanted / Professional
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    If you are looking for a job, contact Alliance Personnel. We offer a wide range of office, customer service and management positions.

    Office （ Administration, accounting, human resources, etc. ）
    Customer service
    Sales in stores
    and many more.

    We have a wide selection of industries and job types, from beginner level to management and executive level positions.

    After careful counseling, we will work with you to find a job, depending on your experience and skills.


    Please feel free to contact us first.

    Alliance Personnel

    All services for job seekers, from consultation, registration, to employment, ar...

    • Wanted / Life / Housing
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Must-see for those who are looking for a place to stay when traveling to Hawaii! Royal Kuhio, 1 night minimum stay in Waikiki, Waikiki, Hawaii ～ Short-term stays, expatriates ！

    Aloha
    Royal Kuhio in Waikiki, condo with kitchen&lanai, 1 night minimum stay.

    Ideal for those who want to cook for themselves when traveling, students who want to share with friends to keep costs down, and families traveling together.
    ～ Short-term stay for 30 nights Good for those staying for a few months or while looking for a home in Hawaii for immigration.


    1 night $ 175 ～ (depending on room type ） + TAX and cleaning fee

    30 night rate ＝ $ 3780 ～ $ 4968 + TAX and cleaning fee Including $ 4635.91 ～ $ 6037.30) Depending on room type and season.

    There are still rooms available for short term stays this month. If you would like to stay longer, please feel free to contact us.

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    Parking is subject to availability, but for short term stays $ 30/night

    We are also looking for monthly parking ($ 230 ＋ TAX ） please ask.　

    Email: vacationrentals@startshawaii.com

    -------------------------------------------------------
    https://www.beachvillassuites.com/
    We also offer 1 night stay in Ilikai ～ and 6 nights in Ko Olina ～.

    1953 S. Beretania St., Suite PH-C

    May: Available ！ Last minute discount ！ Please contact us 🌺

    • Wanted / Life / Housing
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    6 nights in a quiet resort area ～ Available for reservation. Oahu ～ Vacation Rental KoOlina [Ko Olina

    Aloha

    Stay at Ko Olina Beach Villa, condo with kitchen, lanai, pool and gym in Ko Olina ！
    Close to golf course, restaurants and Aulani Disney Hotel.

    2 beds per night $ 500 ～ (depends on room type ） +TAX and cleaning fee （ Max 6 people ）
    3 bedroom $ 680~(Max 8 people)

    https ://www.beachvillassuites.com/

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    Parking space comes with one or two cars. There is a greeting service at check-in and they will show you your room.
    A slightly different, relaxing and elegant trip to Hawaii ！

    Email: vacationrentals@startshawaii.com
    ------------------------------ -------------------------
    Other options include Royal Kuhio, Ilikai （ Waikiki ） 1 night ～

    1953 S. Beretania St., Suite PH-C

    August Available ！ Please inquire 🌺

    • Wanted / Life / Housing
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Last Minute May Vacancies ！ 1 Night~Vacation Rental in Ilikai, Waikiki, Hawaii!

    Aloha

    Condo with kitchen&lanai in Waikiki near Ala Moana shopping center
    Ilikai is available for 1 night stay.
    This is a great option for travelers, for short term study for 1~2 weeks ～ for those staying for a few months, or for those who want to cook for themselves on their trip.

    1 night $ 150 ～ (depends on room type ） + TAX and cleaning fee

    2 bedroom $ 380~ capacity of 6 people

    Please feel free to contact us if you would like to stay longer consecutive nights.
    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    No parking included, please use nearby street parking or valet parking $ 45


    Email: vacationrentals@startshawaii.com
    -------------------------------------------------------

    https://www.beachvillassuites.com/
    Others Royal Kuhio （ Waikiki ） 1 night ～ and Ko Olina 6 nights ～ are also available.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    • Satisfaction guaranteed / Professional
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For job search, please contact Fellows Hawaii ！ in Japanese ！.

    Please contact us as an option for your job search ！
    （ Completely free of charge ）

    If you have a company you are interested in, please let us know.
    We will open a new business on your behalf.

    We will follow up with a full backup system so that you can work with confidence after you start work ！
    ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋
    Call 808-268-7003
    If you want to call on line from within Japan, please call ID:ohyama-fellowshawaii
    Please feel free to call us.
    ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋

    Flow from Registration to Placement

    Registration Complete appointment ・ Individual booth for your peace of mind
    ↓
    Hearing ・ Career consulting Experience ・ Skills ・ Ask about your needs
    ↓
    Job offer Introduction with company name open
    ↓
    Meeting Observation of actual working place and discussion of job content ↓
    Signing of contract Job description ・ Agreement on terms and conditions
    ↓
    Follow-up We will visit the place of work regularly to check the situation


    Registration （ Free ） We are waiting for you.

    Call us at 808-268-7003

    You can also contact us through LINE. Please feel free to drop us a line if you have any questions.
    （ LINE calls are available from within Japan ）

    ID:ohyama-fellowshawaii

    or use the message below.

    Fellow's Hawaii is the Hawaii subsidiary of Fellow's Inc. which has 12 offices in Japan ・ and Singapore
    and is now in its 21st year
    .

    Refer a friend to Fellow's Hawaii and receive a "$25 Amazon Gift Certificate" fo...

    • Satisfaction guaranteed / Life / Housing
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Cleaning of air conditioner ・ Installation

    Japanese language service, 20 years of trust and experience


    How about cleaning your air conditioner filter before summer ⁉️


    If you have bought a new house,

    or installed an air conditioner in your house,




    If you have renovated your property, please contact us ‼️

    We offer free estimates ‼️


    And please rest assured that we speak Japanese ！.

    Estimate ＄ 100, now free ！.

    • Useful info / Finance / Insurance
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Reference Example of Accumulation-Type Life Insurance (with Long-Term Care Insurance Clause)

    We received a request from a reader to show a specific example of an accumulation-type life insurance （ with a long-term care insurance rider ）, so we provide the following as an example for your reference.

    （ Please note that there are individual differences depending on the age, health condition, amount of accumulation, insurance conditions, and product contents at the time of starting accumulation, so please refer to the example as a reference only. ）

    [ Example of Accumulating Life Insurance （ with Long-term Care Insurance Clause ） ]
    Insured Female ・ Starting Age 50
    Premium （ Monthly ） $ 250
    Death Insurance Amount 152,000
    Annual interest rate on premiums (compounded: Non-Guaranteed) 3.5 % ~ 7.10%
    With long-term care insurance rider

    * For the first 10 years, the surrender value is lower than the premium. Death benefit is available from the first year.
    * The lump sum and surrender value will catch up after 15 to 17 years. After that time, the benefit at surrender will be greater than the sum of the additional lump sum.
    * The death benefit will increase from the age of 81 in this case.
    * The long-term care insurance rider allows 2% of the death benefit ($ 152,000 for $ 3,040 for 152,000) to be withdrawn from the death benefit each month until the death benefit is exhausted.
    ( The obligation to pay the monthly premium stops while you receive the long-term care insurance benefit. The money you receive is tax-free.

    * For your reference, we have attached a picture of the additional monthly premiums.
    * Please feel free to contact us if you would like to see an example of an accumulation type life insurance policy (with a long-term care insurance rider) for your own case.

    • Useful info / Finance / Insurance
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Five Types of Life Insurance in the U.S.

    I know that life insurance can be confusing for some of you.
    "I hear rumors that the US has a better insurance program than Japan ！"
    In this page, we will explain the five types of life insurance in the US as follows.
    In case you are wondering, not good or bad, it is said that only 1. Term Insurance&2. Whole Life Insurance is offered in Japan out of the following 5 types of insurance. \I am a Hawaii State Life&Health Insurance License holder, so please understand that I will not compare the Japanese License with the Japanese one.

    The 5 Types of Life Insurance in the U.S. are
    1. Term, 2. Whole Life Insurance, 3. Universal Life Insurance, 4. Whole Life Insurance, 3. Universal Life Insurance, 4. Variable Universal Life Insurance, 5. Index Universal Life Insurance.

    1. Term Insurance : As you know, this is a life insurance for a certain period of time. The monthly premium is low, but it is only a death benefit and does not accumulate. And once the policy is over, if you want to re-subscribe, the premiums will go up dramatically as you get older, depending on your age.

    2. Whole Life Insurance : This is an accumulation type life insurance policy for life. The annual interest rate is about 4% (depending on the economic situation) on the premiums you have accumulated. \The monthly premium is a fixed amount. The monthly premium is a fixed amount. Usually, this type of insurance has the highest premium.

    3. Universal Life Insurance : This is an accumulation type life insurance for life. It pays an annual interest rate of about 5-7% on the amount accumulated. \The monthly premium is fixed and varies depending on your financial situation. \The monthly premium is not fixed, but you can choose a minimum to maximum premium amount depending on your personal financial situation.

    4. Variable Universal Life Insurance : This is a life savings type life insurance policy. The accumulated amount is transferred to another account and put into a so-called Mutual Fund. Therefore, it is an investment type insurance, and the amount of savings may go up or down depending on the market's performance. The monthly deposit is not a fixed amount, but can be paid flexibly between minimum and maximum.

    5. Index Universal Life Insurance : This is a life insurance policy with a life time savings plan. The interest rate varies according to the Market Index (e.g. S&P 500), but ranges from about 1% to 12.5% per annum.

    ＊ ＊ Some Hawaii residents who do not have U.S. citizenship or permanent residence may be eligible for Hawaii state insurance. Some people may be eligible to purchase a U.S. annuity or long-term care insurance while living in Hawaii.

    • Useful info / Finance / Insurance
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Is Buying Long-Term Care Insurance Right for You ？?

    [

    There are three types of long-term care insurance policies that may or may not be appropriate for you to consider.] Regarding long-term care insurance, we introduced "three types of long-term care insurance" in another section of the Machikado Hot List, "Long-Term Care Insurance in Hawaii and Long-Term Care Insurance in an Aging Society", and among them, a savings type life insurance （ with a long-term care insurance rider ） : Life Insurance Policy with a Rider, you may want to consider purchasing a Long-Term Care Insurance Only Policy （ Stand-Alone Policy ）. The National Association of Insurance Commissioners
    provides the following guidelines for purchasing a Stand-Alone Policy .



    < 介護保険の購入に対し、ご検討なさらない方が良いと思われる方 >
    * If you are unable to afford the monthly premiums
    * If you do not own significant assets
    * If your only source of income is social ・ security or similar income <1763> * Utility bills ・ Food ・ Medical or other important payments
    * Currently on Medicaid

    < 介護保険の購入に対し、検討なさる事が適していると思われる方 >
    * You have some assets of your own or currently have sufficient income
    * You do not wish to use your current assets or income to pay for future care
    * You are able to pay the monthly premiums for long-term care insurance and can handle future increases in premiums
    * You do not wish to burden your family or friends with your future care
    * You do not want to burden your family and friends with your future care * You want to have options for how you will be cared for in the future

    We have options for each of you, so please feel free to contact us if you have any questions.

    • Useful info / Finance / Insurance
    • 2024/05/03 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Long-term care situation and long-term care insurance in Hawaii in an aging society

    Long-Term Care in Hawaii and Long-Term Care Insurance in an Aging Society

    We may not realize it when we are healthy, but at some point in our lives, we will need long-term care.　
    Long-term care insurance can help you in such a case.

    According to data from the National Association of Insurance Commissioners (NAIC™),]
    ＊ 70% of U.S. residents who have reached age 65 feel that they will need some type of long-term care at least once in their lives. feel that they will need some type of long-term care at least once in their lives.
    ＊ Of U.S. residents who have reached age 65, 35% feel that they will be in a nursing home at least once in their lives
    .
    ＊ A person at age 65 has an average of 19 ． 4 years （ remaining life expectancy for women 20 ． 6 years and 18 years for men ） The longer a person lives, the greater the need for
    nursing care, including chronic illness.

    [The cost of care when you need it ？ ] Data by NAIC
    ＊ Home Health Care (Home Care ） : Licensed Caregiver （ Certified Nurse Aid ） Home Health Care by
    ＝ $ 25/H x 6H x 5 days x 4 weeks = $ 3000 / month
    ＊ Assisted Living Facility （ Assisted ・ Living Facility ） ： As of 2018, monthly ＄ 4000, yearly ＄ 48000
    ＊ Nursing Home （ Nursing Home ） ： As of 2018 Annual ＄ 89 ， 297

    （ Note 1 ） Hawaii's cost of care is higher than other states.　
    （ Note 2 ） Japan's long-term care insurance system is administered by the government, but in the U.S., individuals must purchase their own insurance.
    （ Note 3 ） Medicare enrollees are covered for up to 100 days if coverage is approved, but the first 20 days are 100% covered,
    after that it is CO-PAY. Benefit Policy ( Long-term care insurance with a greater need than life insurance ）
    3 ． Stand - Alone Policy ( People who do not need life insurance but need long-term care insurance ）

    【 Two types of
    1 ． Reimbursement （ Reimbursement ） ： The insurance company generally pays
    claims directly to nursing homes for expenses deemed necessary for care.
    2 2 2 ． Cash Indemnity （ Cash ・ Indemnity ） ： 100% of the amount of the long-term care insurance policy is received by the person in cash from the insurance company and can be used for
    long-term care expenses or other purposes

    Long-term care insurance was introduced in the 1980s as the cost of long-term care rose, and Nationwide research shows that 74%
    of people in their 50s would like to live at home as long as possible in the future, but this is not always the case, depending on the person's wishes. However, there are those who cannot meet their wishes and those who have difficulty
    providing care at home.
    In addition, there are those for whom long-term care insurance is not suitable.　The average age for joining long-term care insurance is currently 59 years old.

    There are various cases, so if you have any questions, please feel free to contact us so that we can guide you according to your case.