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    • 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.

    • 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)

    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)

    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.

    • Discount / Gift / Shopping
    • 2024/04/29 (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)

    Wagyu Beef Meat 20% OFF Sale Now ！ ！

    A5 Grade Top Quality Nagasaki Wagyu Meat 20% OFF Sale ！ ！
    Today is the last day, so don't miss it ！ ！
    We can cut it for steak, yakiniku, sukiyaki or shabu-shabu
    according to your request.
    Please feel free to ask us.

    J-Shop offers a variety of products only available at our store.
    Please visit us and find rare items ！ ！


    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Izakaya Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/04/29 (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)

    Fresh Eggs in stock today ！ ！

    Fresh Eggs in stock today: ‼︎
    Enjoy fresh eggs ！ ！
    laid by free-range （ cage-free ） hens at Waimanalo Farm.
    Our chefs use these eggs to make their own handmade omelettes, which are also excellent.
    Please try our fresh eggs ！ ！

    In addition, J-Shop offers a variety of products only available at our store.
    Please visit us and find rare products ！ ！

    We open Izakaya from 5:30pm.
    We have many delicious snacks available.
    We are BYOB, so please bring your favorite drink.
    Reservations can be made at the open table, by phone,
    or in person.


    1513 Young St Honolulu, HI 96826
    Parking available
    (808) 200-5076

    J-shop hours
    Mon-Sat 10 ： 0 0-18 ： 00
    J-Shop Izakaya Open Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Signature service / Gift / Shopping
    • 2024/05/07 (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)

    Chikushi rice cakes are in stock now ！ ！.

    The famous cake of Fukuoka, Josuian's Chikushi rice cake is in stock now.
    The rice cake is made from "hiyoku rice" from the Chikushi Plain, and is kneaded with the best water.
    The soybeans are roasted to the perfect degree of doneness and then peeled to extract the maximum aroma and sweetness from the yellow soybean flour.
    Please enjoy it with molasses if you like.

    In addition to the above, J-Shop offers a variety of products only available at our store.
    Please visit us and find rare products ！ ！


    1513 Young St Honolulu, HI 96826
    Parking lot available
    (808) 200-5076
    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Izakaya Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/05/07 (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)

    Japanese magazines, available for purchase ！ ！.

    Japanese magazines, you can order from 1 copy ！ ！
    Weekly and monthly magazines, subscriptions are available, or you can order just 1 copy ！ ！


    In addition, J-Shop offers various products only available in our store. We also have a variety of other products available only at J-Shop.
    Please visit us and find rare products ！ ！

    We open Izakaya from 5:30pm.
    We have many delicious snacks available.
    It is BYOB, so please bring your favorite drink.

    1513 Young St Honolulu, HI 96826
    Parking available
    (808) 200-5076

    J-shop hours
    Monday - Saturday 10 ： 00-18 00
    J-Shop Izakaya Business Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Signature service / Gift / Shopping
    • 2024/05/07 (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)

    J-Shop Sushi ・ Bento ・ Prepared Food Handmade daily ！ ！

    At Shop, we put our heart and soul into making our bento boxes so that you can enjoy the fresh ingredients and delicious taste.
    Side dishes are also made by hand every day.
    Please try it!
    Daily bento box lunches are now on sale ！ ！

    We also have a variety of products available only at our J-Shop.
    Please visit us and find rare items ！ ！

    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J- shop hours
    monday-saturday 10 ： 00-18 ： 00
    j-shop tavern hours
    tuesday-saturday 17 ： 30-21 ： 00

    • Discount / Gift / Shopping
    • 2024/05/15 (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)

    The first round of the sale to reduce the yen's depreciation is now underway ！ ！.

    Fukuoka's famous confectionery, Josuian's Chikushi Mochi has just arrived.

    As part of our special discount sale, we are offering a box of Chikushi Mochi at a special price of ！ ！
    21.95 per box ＄ ＄ 15.95 per box.
    Don't miss this opportunity ！ ！

    We also accept reservations.

    Chikushi rice cakes are made from "hiyoku rice" from the Chikushi Plain and kneaded with our special water to a delicious taste.
    The soybeans are roasted to the perfect degree of doneness, then peeled to extract the maximum amount of aroma and sweetness.
    Please enjoy it with molasses if you like.

    In addition to the above, J-Shop offers a variety of products only available at our store.
    Please visit us and find rare products ！ ！


    1513 Young St Honolulu, HI 96826
    Parking lot available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/05/15 (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)

    Ginza Akebono's sweets are in stock now ！ ！.

    "Ginza Akebono" is a confectionery shop that grew up in Ginza ！
    "It is not the stomach that is filled by sweets, but the heart

    To continue to fill the hearts of customers living in the present That is Ginza Akebono's job. "
    and these sweets are all made with the enthusiasm of a confectioner who takes pride in his work.

    The Taste of Iso (rocky shore) ： Thin and light okaki rice crackers with the umami of rice, carefully hand-rolled in shiny Japanese baked laver

    The richness of soy sauce soaked into the okaki and the flavor of the seaweed with its rich aroma of rocky shore spread crisp and savory

    In addition to the above, J-Shop offers a variety of products only available at our store.
    Please visit us and find rare products ！ ！

    From 5:30 p.m., we open a tavern.
    We have many delicious snacks available.
    It is BYOB, so please bring your favorite drink.

    1513 Young St Honolulu, HI 96826
    Parking available
    (808) 200-5076

    J-shop hours
    Monday - Saturday 10 ： 00-18 00
    J-Shop Izakaya Business Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Signature service / Gift / Shopping
    • 2024/05/15 (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)

    Japanese magazines, books, available for purchase ！ ！.

    Japanese magazines and books, you can order from one ！ ！
    Weekly and monthly magazines, subscriptions are available, or you can order just one ！ ！


    In addition, J-Shop offers various products only available in our store. We also have a variety of other products that you can only find at our store.
    Please visit us and find rare items ！ ！

    We look forward to seeing you ！ ！

    1513 Young St Honolulu, HI 96826
    Parking lot Parking
    200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 3 0-21 ： 00

    • Signature service / Restaurant / Gourmet
    • 2024/05/15 (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)

    J-Shop Sushi ・ Bento ・ Prepared Food Handmade daily ！ ！

    At Shop, we put our heart and soul into making our bento boxes so that you can enjoy the fresh ingredients and delicious taste.
    Side dishes are also made by hand every day.
    Please try it!
    Daily bento box lunches are now on sale ！ ！

    We also have a variety of products available only at our J-Shop.
    Please visit us and find rare items ！ ！

    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J- shop hours
    monday-saturday 10 ： 00-18 ： 00
    j-shop tavern hours
    tuesday-saturday 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/05/17 (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)

    The first round of the sale to reduce the yen's depreciation is now underway ！ ！.

    Fukuoka's famous confectionery, Josuian's Chikushi Mochi has just arrived.

    As part of our special discount sale, we are offering a box of Chikushi Mochi at a great price ！ ！
    ＄ 21.95 for ＄ 15.95
    half box ＄ 10.98 for ＄ 7.98.
    Don't miss this opportunity ！ ！

    We also accept reservations.

    Chikushi rice cakes are made from "hiyoku rice" from the Chikushi Plain and kneaded with our special water to a delicious taste.
    The soybeans are roasted to the perfect degree of doneness, then peeled to extract the maximum amount of aroma and sweetness.
    Please enjoy it with molasses if you like.

    In addition to the above, J-Shop offers a variety of products only available at our store.
    Please visit us and find rare products ！ ！


    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/05/17 (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)

    Fresh Eggs in stock today ！ ！

    Fresh Eggs in stock today: ‼︎
    Enjoy fresh eggs ！ ！
    laid by free-range （ cage-free ） hens at Waimanalo Farm.
    Our chefs use these eggs to make their own handmade omelettes, which are also excellent.
    Please try it ！ ！

    In addition to the above, J-Shop offers a variety of products only available at our store.
    Please visit us and find rare items ！ ！


    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Izakaya Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Signature service / Restaurant / Gourmet
    • 2024/05/17 (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)

    J-Shop Sushi ・ Bento ・ Prepared Food Handmade daily ！ ！

    At Shop, we put our heart and soul into making our bento boxes so that you can enjoy the fresh ingredients and delicious taste.
    Side dishes are also made by hand every day.
    Please try it!
    Daily bento box lunches are now on sale ！ ！

    We also have a variety of products available only at our J-Shop.
    Please visit us and find rare items ！ ！

    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J- shop hours
    monday-saturday 10 ： 00-18 ： 00
    j-shop tavern hours
    tuesday-saturday 17 ： 30-21 ： 00

    • Useful info / Restaurant / Gourmet
    • 2024/05/18 (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)

    Today's daily special is Tempura Bento

    Today's daily bento is Tempura bento ！ ！
    Details JShop's special Tempura bento is now on sale ！ ！
    Please forgive us if it is sold out.
    Every Saturday only.
    Combination of 3 prawn tempura and vegetable tempura ！ ！
    Tentsuyu (soy sauce) on the side is another reason for its popularity ！

    JShop makes bento boxes with fresh ingredients with care so that you can enjoy the delicious taste. We also offer a wide variety of fresh ingredients.
    Side dishes are also made by hand every day.
    Please try it!

    We also have a variety of products only available at our store.
    Please visit us and find rare products ！ ！


    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Izakaya
    Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Signature service / Restaurant / Gourmet
    • 2024/05/24 (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)

    Tuna Hamburger Bento this week

    This week's weekly bento is Tuna Hamburger Bento ！ ！

    At the Shop, we put our heart and soul into making fresh ingredients for a delicious lunch.
    Side dishes are also made by hand every day.
    Please try it!
    Daily bento boxed meals are also on sale ！ ！

    We also have a variety of products available only at our J-Shop.
    Please visit us and find rare items ！ ！

    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Izakaya Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Signature service / Restaurant / Gourmet
    • 2024/05/24 (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)

    Daily lunch boxes, now on sale ！ ！

    Today's daily bento is Bean-curd soup lunch box ！ ！
    Gentle taste that can only be made by hand. Please try it.

    And tomorrow, Tempura Bento ！ ！
    Every Saturday only.
    Combination of 3 prawn tempura and vegetable tempura ！ ！
    Tempura sauce on the other side is also popular ！

    At JShop, we make our bentos with fresh ingredients with care so that you can enjoy the delicious taste. We also offer a variety of side dishes.
    Side dishes are also made by hand every day.
    Please try it!

    We also have a variety of products only available at our store.
    Please visit us and find rare products ！ ！


    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Izakaya
    Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/05/24 (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)

    Japanese magazines, books, available for purchase ！ ！.

    Japanese magazines and books are available for purchase ！ ！
    Weekly and monthly magazines, subscriptions are available, or you can order just one copy ！ ！


    In addition, J-Shop offers various products only available in our store.
    Please come and visit us. Please visit us and find rare items ！ ！

    We look forward to seeing you ！ ！

    1513 Young St Honolulu, HI 96826
    Parking Parking
    200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 3 0-21 ： 00