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    • Press Release / Media
    • 2024/05/28 (Tue)

    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)

    Latest from Foodland ！ New Poke Flavor and Rainbow Eco Bag

    （ Honolulu, Hawaii ） Foodland, a community-based supermarket that is popular with locals and tourists alike, celebrated its 76th anniversary on May 6. Under the motto of "Always the Best Quality," the deli and bakery menus developed by top corporate chefs using a variety of fresh Hawaiian ingredients are as good as restaurant quality. With the weak yen, Foodland's deli corner is becoming more and more valuable to Japanese travelers and residents who are concerned about the high cost of living in Hawaii and the need to save money.

    The most popular prepared dish is poke, and on May 29 （ Wednesday ）, a new flavor of poke, "K-Pop Salmon Poke," will go on sale at all Foodland stores. Fresh salmon poke with a punch of garlic and gochujang, a flavor inspired by Korean BBQ, is a must-have for spicy lovers.
    Also, a new pattern has been added to the popular eco-bag with an original design. This fun design features many Hawaiian foods and words, such as poke and spam musubi, in the rainbow that symbolizes Hawaii. The bag, called "over ・ the ・ rainbow," has become a hit as soon as it went on sale, thanks to its affordable price of $ 1.19.

    Keep an eye on Foodland as they continue to release new products that always grab the hearts of their customers.
    About Foodland
    Founded in 1948 by the late Maurice J. Sullivan, Foodland was the first community-based supermarket to open in Hawaii. Since then, it has been loved by local Hawaiians for many years and celebrated its 75th anniversary in May 2023. Currently, the company operates 29 Foodland, Foodland Farms, and Sack N Save stores on the four islands of Oahu, Maui, Hawaii, and Kauai.

    Official English website: https://www.foodland.com
    Official Japanese website ： https://jp.foodland.com
    Instagram ： @ foodlandalamoanajp
    Facebook ： @FoodlandAlaMoanaJP

    • Press Release / Media
    • 2024/06/12 (Wed)

    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)

    Meet at Kapiolani Park this Summer ！ 15th Annual Ukulele Picnic Presents International ・ Ukulele Festival ・ Of ・ Hawaii July 27 （ Announces Performers and Schedule for Sat ）

    （ From Honolulu ） The ukulele is the symbol of aloha and the official instrument of Hawaii. For more than 50 years, Roy ＆ Kathy ・ Sakuma and her husband Roy ・ held the Ukulele Festival Hawaii to connect people around the world with the immeasurable power of the ukulele, but the festival closed its doors in 2022 with much regret from many fans. In 2024, on the advice of Roy ＆ and Kathy ・ Sakuma, the "Ukulele Picnic," re-titled "International ・ Ukulele Festival ・ of ・ Hawaii," will be held on July 27, （ Saturday from 9:30 a.m. to 6 p.m. at Kapiolani Park, centered around the bandstand where the Ukulele Festival ・ of Hawaii was held for many years.

    Artists who will perform at this event, their hometowns, and the order in which they will perform are as follows.
    Bandstand （ Main Stage ）

    9:30 AM Opening
    International Ukulele Contest Winner
    Sebukulele （ France ）

    10:00 AM Aloha From Birdland （ Japan ）
    Poepoe ・ Japan （ Japan ）
    Kim Shin Bi ＆ Seoul Plumeria （ Korea ）
    Yuk's Fun ・ Ukulele Ensemble （ California ）

    11:00 AM Craig ・ Chi ＆ Sarah ・ Maizel （ Hawaii ）
    Cynthia ・ Lin （ Hawaii ）
    Kamuela ・ Kahoano （ Hawaii ）

    12:00 PM Kapalana Elementary School （ Hawaii ）
    Kalawe ・ Kamarillo ＆ Mika ・ Kane （ Hawaii ）
    Wasisan Club
    Tomoki Suzuki （ Japan ）

    1:00 PM Kalei ・ Gamiao ＆ Corey ・ Fujimoto （ Hawaii ）
    Flat Nine ・ Ukulele Jazz Orchestra （ Korea ）
    Ukulele ・ Hale （ Hawaii ）
    Jody ＆ Honoka （ ）
    Byron ・ Yasui ＆ Benny ・ Chang （ Hawaii ）

    3:00 PM Loy Sakuma ・ Ukulele Studio （ Hawaii ）
    Strummer ・ Wiz ・ Jake ・ Shimabukuro （ Hawaii ）
    Ukulele Hall of Fame

    4:00 PM Sharabanda ・ From ・ Madeira Portugal ）
    Crossing Rain （ Hawaii ）
    Jake ・ Shimabukuro （ Hawaii ）

    5:00 PM 1933 Ukulele All Stars （ Boo Takagi, Kazuyuki Sekiguchi, Yoshio Nomura, Yoko Oginome,
    Kimiko Nuneyama, Yanagiman, Hiroki Hatakeyama) （ Japan ）
    Laiatea ・ Helm （ Hawaii ） Finale

    6:00 PM End

    ＊ Performance times are subject to change before the day of the event, so advance confirmation on the event website is recommended.
    https://ukulelepicnicinhawaii.org/schedule/

    In addition to the bandstand, there will be another Diamond Head Stage on the large grounds to allow more ukulele players to perform. In addition, there will be booths from ukulele makers, ukulele stores, and ukulele schools in Hawaii, as well as food vendors offering chilled Chinese noodles, shave ice, sandwiches, boxed lunches, and andagi, making this a big event for everyone to enjoy.

    The Diamond Head Stage performers and timeline are as follows.
    Diamond Head Stage

    10:00 AM International ・ Ukulele Contest ・ 12 finalists

    11:30 AM Doctor ・ Led by Trai Kapena ・ Music School （ Hawaii ）

    12:00 PM Aloha ・ From ・ Birdland II （ Japan ）
    Halau ・ O ・ Nalei Pikake （ Korea ）
    Hawaii Japanese Christian Church Association Hula Team （ Hawaii ）

    1:00 PM 1933 Ukulele All Stars Boo Takagi, Kazuyuki Sekiguchi, Yoshio Nomura,
    Yoko Oginome, Kimiko Bunyama, Yanagiman, Yuko Hatakeyama) （ Japan ）
    Shaw ・ Humphries ＆ Tyler ・ Donkoharm Boston ）

    2:00 PM Tomoki Sato （ Japan ）
    Kahua （ Hawaii ）

    3:00 PM Jazm Cafe ＆ Saya （ Japan ）
    Kazuyuki Sekiguchi, who was the driving force behind starting the Ukulele Picnic in Hawaii 15 years ago, had this to say about the event. We have chosen Billy ・ V, a well-known local ukulele player, to be the emcee for this event to bring ukulele fans from all over the world to Kapiolani Park and make it an event that will be loved by the community. The festival will be a celebration of the ukulele and its ability to bring love, joy, and smiles to people all over the world, and will also deepen international exchanges beyond language barriers. We hope to see you all at Kapiolani Park on July 27 （ Sat ） ！"
    International ・ Ukulele Festival ・ of ・ Hawaii
    Sponsored by ： Ukulele Foundation ・ of ・ Hawaii
    Production & Operations ： Ukulele Picnic ・ in ・ Hawaii Executive Committee
    Support ： Hawaii State Archives, Hawaii Tourism Authority Date and Time （ Hawaii Time ） ： July 27, 2024 (Sat.), 9:30AM~6:00PM

    Ukulele Foundation ・ Of ・ About Hawaii
    The Ukulele Foundation ・ of ・ Hawaii was founded in Honolulu in October 2007 by Kazuyuki Sekiguchi and other members with the goal of creating a "Ukulele Museum" where ukulele and Hawaiian music history can be learned and ukulele fans around the world can gather. The non-profit organization was founded in Honolulu in October 2007 by Kazuyuki Sekiguchi and other members. Currently, the organization hosts the International ・ Ukulele Contest and the International ・ Ukulele Festival, and is actively involved in promoting the ukulele and its wonderfulness around the world through events and creating opportunities for cultural exchange.

    • Useful info / Restaurant / Gourmet
    • 2024/06/04 (Tue)

    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)

    🉐 Deals and coupons for shopping at Ebinomi ◎ ✨ Waikiki home-style take-out restaurant including garlic shrimp with large plump shrimp 🦐 🍛 🍤.

    We would like to introduce you to a new way to save on Evinomi plates ！
    This coupon information is for local customers only and can be used as often as you like, we hope you will use it when you visit us😊

    🦐Kama Kama'aina 🦐 Discount → Show your Hawaii State 🌈 Drivers License and get 10% off your total bill🦐

    Other coupons ・ For more information, please visit Ebinomi's official Instagram @ ✅
    If you don't have a Drivers License or if you are visiting for sightseeing, we also have coupon information for you. ♪

    Please try our home-cooked plates from around the world, including the exquisite garlic shrimp made with large and plump shrimp, which can only be found at Ebinomi ✨ 🍴.

    Kama'aina Discount🌈】Present your Hawaii driver's license and receive 10% off you...

    • Useful info / Restaurant / Gourmet
    • 2024/06/06 (Thu)

    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)

    [Open daily until 9pm in the heart of Waikiki ！ 🍽️ 🌙] Both takeout and dining on the patio available 🙆‍ ♀ ️◎ ✨ Stop by after work in Waikiki 🍴 🦐!

    Evinomi is open all year round, regardless of holidays, every evening until 9:00 p.m. ！ 🌟 🌃
    open 8-2 in the morning and 5-9 for dinner ✨

    take out or just enjoy the patio Dining is also available until 9pm. Please visit us ！ ⭐︎

    For any other questions, please DM us on our official Instagram @ebinomiwaikiki 📩 😊

    • Introduction / Life / Housing
    • 2024/06/02 (Sun)

    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)

    On-site car wash ・ On-call car wash ・ Other detail services (water stain removal, scratch removal, glass water repellent coating, body coating, room cleaning, scratch removal, headlight polishing, etc.) are available ☆.

    ALOHA 🌺
    Do you have any problems with your car in Hawaii ？
    We offer an on-site car wash service. We also provide "Car Drop-off Car Wash Service" in Waikiki.

    In addition to our regular car wash service, we also offer a water repellent car wash.

    We can also provide other optional detailing services as a set along with the car wash service.

    We will first listen to your wishes and provide the most economical and recommended service, such as partial "polishing work" before the car wash to remove "minor scratches" and then a water repellent wash ！


    Price ： $ 55 55 (tax included)


    No travel fee within 5 miles from Waikiki area.

    We also accept consultation for other car repair, maintenance, purchase and sale 🙌

    Please feel free to contact us in Japanese if you have any questions or concerns 🙇‍ ♀ ️

    First time only] One free minor scratch removal or free headlight polishing

    洗車駐車場レンタカーワイキキ車
    • Signature service / Life / Housing
    • 2024/06/04 (Tue)

    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 diagnose your car's malfunction🏝️Fault code scan🏝️OBDII diagnostics ！ Other maintenance resetting, coding, etc. available🏝️Acceptable requests from vendors🏝️

    ALOHA 🌺
    We use two OBDII diagnostic equipment to perform "car trouble diagnosis".

    What is a "Fault Code" ？ What is a "Fault Diagnosis" ？
    First of all, some of you may have questions about this, so I will explain briefly. 🙋‍ ♀ ️

    ・ While driving, you may see a warning light that you have not normally seen.

    ・ When you start the engine, a warning light that you have never seen before comes on and the car vibrates strangely

    ・ "Warning light comes on" and the engine cannot be started

    Have you experienced such a thing? ？

    This is a so-called SOS from the car.

    This warning light is turned on, and it is an SOS that the car is broken or about to be broken.

    The OBDII diagnostic equipment is the one that picks up the data from the computer that has the SOS data and diagnoses what is broken ☆

    There are many types of OBDII diagnostic equipment, but the cheap ones are the most common. However, if you use a cheap one, you may get a wrong failure code, or you may not know when the code was issued.

    However, the two diagnostic equipment we use can not only scan for fault codes, but also determine whether the code is current or past,
    eliminating the risk of reading the wrong code. In addition to reading codes, the machine can reset oil requests and maintenance requests, set up air pressure sensors, reset electric side brakes, and
    perform other coding functions.

    The machine is also capable of diagnosing faults based on the codes read after diagnosis.
    (Additional fee is required for diagnosis that requires removal of parts using Tool. \ \f1} Other consultations are also available.


    Fees ： $ 55 (tax included)》


    No travel fee within 5 miles from Waikiki area.

    We will also diagnose the parts that may need to be replaced or may fail in the future if you have an initial failure diagnosis.

    And there are more ・ ・ ・ ・ 🌺


    Within 3 months of the initial diagnosis, we will perform one free failure diagnosis, regardless of whether the failure exists or not. <5766> We also accept requests from vendors. ！


    We also offer consultation for repair, maintenance, purchase, and sale of other vehicles 🙌

    If you have any questions or concerns, please feel free to contact us in Japanese. Please contact us 🙇‍ ♀ ️

    車修理レンタカー情報友達
    • First-time / Life / Housing
    • 2024/06/04 (Tue)

    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)

    On-site car wash ・ On-call car wash ・ Other detail services (water stain removal, scratch removal, glass water repellent coating, body coating, room cleaning, scratch removal, headlight polishing, etc.) are available ☆.

    ALOHA 🌺
    Do you have any problems with your car in Hawaii ？
    We offer an on-site car wash service. We also provide "Car Drop-off Car Wash Service" in Waikiki.

    In addition to our regular car wash service, we also offer a water repellent car wash.

    We can also provide other optional detailing services as a set along with the car wash service.

    We will first listen to your wishes and provide the most economical and recommended service, such as partial "polishing work" before the car wash to remove "minor scratches" and then a water repellent wash ！


    Price ： $ 55 55 (tax included)


    No travel fee within 5 miles from Waikiki area.

    We also accept consultation for other car repair, maintenance, purchase and sale 🙌

    Please feel free to contact us in Japanese if you have any questions or concerns 🙇‍ ♀ ️

    First time only] One free minor scratch removal or free headlight polishing

    洗車駐車場レンタカーワイキキ車
    • First-time / Life / Housing
    • 2024/06/05 (Wed)

    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)

    On-site car wash ・ On-call car wash ・ Other detail services (water stain removal, scratch removal, glass water repellent coating, body coating, room cleaning, scratch removal, headlight polishing, etc.) are available ☆.

    ALOHA 🌺
    Do you have any problems with your car in Hawaii ？
    We offer an on-site car wash service. We also provide "Car Drop-off Car Wash Service" in Waikiki.

    In addition to our regular car wash service, we also offer a water repellent car wash.

    We can also provide other optional detailing services as a set along with the car wash service.

    We will first listen to your wishes and provide the most economical and recommended service, such as partial "polishing work" before the car wash to remove "minor scratches" and then a water repellent wash ！


    Price ： $ 55 55 (tax included)


    No travel fee within 5 miles from Waikiki area.

    We also accept consultation for other car repair, maintenance, purchase and sale 🙌

    Please feel free to contact us in Japanese if you have any questions or concerns 🙇‍ ♀ ️

    First time only] One free minor scratch removal or free headlight polishing

    洗車駐車場レンタカーワイキキ車
    • Signature service / Life / Housing
    • 2024/06/05 (Wed)

    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 diagnose your car's malfunction🏝️Fault code scan🏝️OBDII diagnostics ！ Other maintenance resetting, coding, etc. available🏝️Acceptable requests from vendors🏝️

    ALOHA 🌺
    We use two OBDII diagnostic equipment to perform "car trouble diagnosis".

    What is a "Fault Code" ？ What is a "Fault Diagnosis" ？
    First of all, some of you may have questions about this, so I will explain briefly. 🙋‍ ♀ ️

    ・ While driving, you may see a warning light that you have not normally seen.

    ・ When you start the engine, a warning light that you have never seen before comes on and the car vibrates strangely

    ・ "Warning light comes on" and the engine cannot be started

    Have you experienced such a thing? ？

    This is a so-called SOS from the car.

    This warning light is turned on, and it is an SOS that the car is broken or about to be broken.

    The OBDII diagnostic equipment is the one that picks up the data from the computer that has the SOS data and diagnoses what is broken ☆

    There are many types of OBDII diagnostic equipment, but the cheap ones are the most common. However, if you use a cheap one, you may get a wrong failure code, or you may not know when the code was issued.

    However, the two diagnostic equipment we use can not only scan for fault codes, but also determine whether the code is current or past,
    eliminating the risk of reading the wrong code. In addition to reading codes, the machine can reset oil requests and maintenance requests, set up air pressure sensors, reset electric side brakes, and
    perform other coding functions.

    The machine is also capable of diagnosing faults based on the codes read after diagnosis.
    (Additional fee is required for diagnosis that requires removal of parts using Tool. \ \f1} Other consultations are also available.


    Fees ： $ 55 (tax included)》


    No travel fee within 5 miles from Waikiki area.

    We will also diagnose the parts that may need to be replaced or may fail in the future if you have an initial failure diagnosis.

    And there are more ・ ・ ・ ・ 🌺


    Within 3 months of the initial diagnosis, we will perform one free failure diagnosis, regardless of whether the failure exists or not. <5766> We also accept requests from vendors. ！


    We also offer consultation for repair, maintenance, purchase, and sale of other vehicles 🙌

    If you have any questions or concerns, please feel free to contact us in Japanese. Please contact us 🙇‍ ♀ ️

    車修理レンタカー情報友達
    • Signature service / Life / Housing
    • 2024/06/07 (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)

    We can diagnose your car's malfunction🏝️Fault code scan🏝️OBDII diagnostics ！ Other maintenance resetting, coding, etc. available🏝️Acceptable requests from vendors🏝️

    ALOHA 🌺
    We use two OBDII diagnostic equipment to perform "car trouble diagnosis".

    What is a "Fault Code" ？ What is a "Fault Diagnosis" ？
    First of all, some of you may have questions about this, so I will explain briefly. 🙋‍ ♀ ️

    ・ While driving, you may see a warning light that you have not normally seen.

    ・ When you start the engine, a warning light that you have never seen before comes on and the car vibrates strangely

    ・ "Warning light comes on" and the engine cannot be started

    Have you experienced such a thing? ？

    This is a so-called SOS from the car.

    This warning light is turned on, and it is an SOS that the car is broken or about to be broken.

    The OBDII diagnostic equipment is the one that picks up the data from the computer that has the SOS data and diagnoses what is broken ☆

    There are many types of OBDII diagnostic equipment, but the cheap ones are the most common. However, if you use a cheap one, you may get a wrong failure code, or you may not know when the code was issued.

    However, the two diagnostic equipment we use can not only scan for fault codes, but also determine whether the code is current or past,
    eliminating the risk of reading the wrong code. In addition to reading codes, the machine can reset oil requests and maintenance requests, set up air pressure sensors, reset electric side brakes, and
    perform other coding functions.

    The machine is also capable of diagnosing faults based on the codes read after diagnosis.
    (Additional fee is required for diagnosis that requires removal of parts using Tool. \ \f1} Other consultations are also available.


    Fees ： $ 55 (tax included)》


    No travel fee within 5 miles from Waikiki area.

    We will also diagnose the parts that may need to be replaced or may fail in the future if you have an initial failure diagnosis.

    And there are more ・ ・ ・ ・ 🌺


    Within 3 months of the initial diagnosis, we will perform one free failure diagnosis, regardless of whether the failure exists or not. <5766> We also accept requests from vendors. ！


    We also offer consultation for repair, maintenance, purchase, and sale of other vehicles 🙌

    If you have any questions or concerns, please feel free to contact us in Japanese. Please contact us 🙇‍ ♀ ️

    車修理レンタカー情報友達
    • First-time / Life / Housing
    • 2024/06/17 (Mon)

    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)

    On-site car wash ・ On-call car wash ・ Other detail services (water stain removal, scratch removal, glass water repellent coating, body coating, room cleaning, scratch removal, headlight polishing, etc.) are available ☆.

    ALOHA 🌺
    Do you have any problems with your car in Hawaii ？
    We offer an on-site car wash service. We also provide "Car Drop-off Car Wash Service" in Waikiki.

    In addition to our regular car wash service, we also offer a water repellent car wash.

    We can also provide other optional detailing services as a set along with the car wash service.

    We will first listen to your wishes and provide the most economical and recommended service, such as partial "polishing work" before the car wash to remove "minor scratches" and then a water repellent wash ！


    Price ： $ 55 55 (tax included)


    No travel fee within 5 miles from Waikiki area.

    We also accept consultation for other car repair, maintenance, purchase and sale 🙌

    Please feel free to contact us in Japanese if you have any questions or concerns 🙇‍ ♀ ️

    First time only] One free minor scratch removal or free headlight polishing

    洗車駐車場レンタカーワイキキ車
    • Useful info / Finance / Insurance
    • 2024/06/03 (Mon)

    アニュイティー　（個人年金：Annuity) について

    個人年金に付きまして、下記、英文にてご案内させて頂きます。
    色々なプランがありますので、詳細は、お問い合わせください。



    ANNUITY: A REVERSE BET!

    In a way, annuities look like a reverse life insurance policy.
    The primary difference between an annuity and life insurance is when payment is made. Annuities pay a set amount of money monthly, quarterly, or annually to meet future financial needs, usually in retirement. Life insurance pays the value of the policy at the time of death.
    With life insurance, you make a bet with the life insurance company. You make payments to the policy, for example, $1,000 per year, and if you die too soon, the company will pay the death benefit to your beneficiary. In this case, your family wins; the company loses.

    With an annuity, you give them a lump sum or accumulated premium, for example, $500,000, and bet that you'll live a long time.
    If you live long enough, the company keeps paying you monthly. In that case, the company may end up paying you more than what you put into the annuity; thus, you win. But if you die too soon, the company wins
    because they will stop payment or only pay up to a certain period.
    Thus, annuities are a good solution for people who worry that they may live too long and run out of money. Annuities can help them feel confident about their financial future.

    Annuities offer different interest strategies.
    ♦ Fixed Annuity: Guarantees a fixed rate of return
    ♦ Fixed Index Annuity: Interest is credited based on the movement of a market index, such as the S&P 500. The index normally has a minimum floor and a maximum cap, for example 0% to 8%. Thus, if the S&P 500 goes higher than 8%, it will credit max 8%. And if the index has a loss, it will hit a 0% floor; there is no loss in the account:--
    ln the U.S., unlike IRAs and 401 (k)s, annuities have no limits on contribution. You can put in as much as you want.
    Also, due to lifetime payouts, it is a vehicle of choice for many people to rollover or transfer their 401 (k) and IRA into annuities, so they can get the advantage of the payout phase.

    * The guarantees of fixed annuity contracts are contingent on the claims-paying ability of the issuing insurance company. Annuity withdrawals are taxed as ordinary income and may be subject to a 10% federal penalty if made prior to age 591⁄2. Surrender charges may also apply during the policy's early years.

    ** Index Annuities are typically linked to a major stock market index, such as the Standard & Poor's Index of 500 common stocks, but do not represent direct participation in the stock market. Past performance of the S&P 500, or any other index that these types of annuities may be linked to, does not guarantee future results. In the event that any given index has a negative return, the issuer of the index annuity may credit a minimum interest rate guarantee, which is generally around 3%, or no interest may be credited. This will depend on the terms of the contract that can vary greatly from one contract to the next. You should also note that in some fixed index annuity contracts, the stated participation rate may not be credited at all if the annuity is not held to the contract term which may be several years.


    *** Generally, principal is guaranteed by the issuing insurer when the annuity is held to the end of the guarantee period. Guarantees are based on the claims paying ability of the issuing insurance company. Participation rates, caps or other components of the formula used to calculate credited rates vary and can change. Withdrawals prior to the end of the guarantee period may be subject to market value adjustments; therefore, you may receive less than you originally invested. Withdrawals during the first several years are subject to surrender charges and withdrawals prior to age 591⁄2 may be subject to a
    10% federal tax penalty.
    0**Fixed index annuities can be complicated. Before you purchase an equity index annuity, read the contract and any sales literature and be sure that you completely understand all of the terms and provisions of any fixed index annuity you are considering.

    • Useful info / Finance / Insurance
    • 2024/06/03 (Mon)

    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)

    Are you ready for your current and future life plans ？?

    Hirata Consulting

    Are you prepared for your current and future life plans ？

    Greetings, my name is Masato Hirata.
    With the motto of "offering plans that are tailored to your current and future life planning",
    various types of life insurance ・ individual annuities （ annuities ） ・ long-term care insurance ・ 401K,
    IRA rollovers, and other insurance and more.

    Hirata ・ Consulting Features


    We offer free consultations.
    "I have some questions about insurance ！ Who should I consult ？ ？
    Please feel free to contact Hirata ・ Consulting first.
    Of course, we offer "free consultation".

    We will visit you anytime, anywhere.
    "I don't feel comfortable going to the insurance company's office, and I am too busy with work to visit on weekdays or during the day ！"
    Don't worry, just specify a time and place that is convenient for you and we will visit you "anytime ・ anywhere ・. <3263> anywhere."

    You can also call us ・ online for a consultation.
    "I have small children, and I would be happy if we could consult without meeting in person ！"
    Of course, we can also consult by phone or online （ zoom ）.
    You can also apply online.


    Hirata Consulting
    +1 (808) 387-1148
    hokenmasa@gmail.com

    • Useful info / Finance / Insurance
    • 2024/06/03 (Mon)

    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.

    • Useful info / Finance / Insurance
    • 2024/06/03 (Mon)

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    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
    • 2024/06/03 (Mon)

    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
    • 2024/06/03 (Mon)

    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.

    • Introduction / Fashion / Apparel
    • 2024/06/10 (Mon)

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    Matching shirts are also very popular ！ Aloha shirt for dogs ★ Carefully sewn with Hawaiian fabric ♪

    Moomoo Rainbow sells colorful and cute Hawaiian fabric dog shirts ！
    perfect souvenirs for your return ♪
    matching aloha shirts for owners are also available ！


    Hawaiian
    Made with authentic Hawaiian shirt fabric by Princess Kaiulani Fashion, a well-established brand that makes custom-made dresses.
    Available in a wide range of sizes from XS to L. ♪
    Please let us know your dog's breed and weight at the store and our staff will prepare the perfect size for you ！

    Available at our Waikiki store and online store
    We also ship to Japan.


    [Waikiki Store]
    2270 Kalakaua Ave. #1105
    Waikiki Shopping Plaza 11F

    [Online Shop]
    http://muumuu- outlet.com



    Muumuu Rainbow
    2270 Kalakaua Ave. #1105
    Honolulu, HI 96815
    TEL:808-921-8118

    • Introduction / Fashion / Apparel
    • 2024/06/24 (Mon)

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    Also available for prom dresses and more! Affordable Dresses ・ Party Dress Rental ♪

    Moomoo Rainbow also has a rental brand called Lydia Hawaii
    Affordable wedding dresses, party dresses and tuxedos ！

    Wedding dresses ＆ Tuxedos are very popular for photo shoots ！

    Colorful cocktail and party dresses are often used for prom.

    You can also check our dress catalog on our website ♪

    http://lidiahawaii.com Japanese site
    https://hawaiidressrentals.com English site

    Muumuu Rainbow
    2270 Kalakaua Ave. #1105
    Honolulu, HI 96815
    TEL:808-921-8118

    • Problem solution / Life / Housing
    • 2024/05/27 (Mon)

    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)

    General moving, cleaning and handy work

    We can help you with small and large moves, general cleaning, wall painting ・ repairs ・ TV and picture frame installation, furniture disassembly ・ assembly, plumbing, electricity, and any other daily life problems you may have.
    We have 20 years of experience with Japanese-affiliated moving companies and can help you ・ quickly and courteously ・ with our own trucks.
    Call us ！ We will give you a free estimate.
    We will consult with you on the work to suit your budget.

    引越掃除便利屋movingcleaning