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-
- Event / Education / Lesson
- 2024/05/29 (Wed)
Gospel class students wanted !.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)
Gospel Class ! All levels, mainly in their 30's to 50's, people of all ages enjoy music in a friendly atmosphere !
Lessons do not use any sheet music, so even those who have never been exposed to music can feel free to start.
We do not use any sheet music in our lessons.
Please feel free to contact us at
musicstudioinquiry@gmail.com, or via Vivinavi.
Located near Ala Moana Shopping Center. Kapiolani Gyukaku building, 8th floor.
( Paid parking available next to the office il. \cHB9.5}Gospel class students wanted!
-
- Event / Education / Lesson
- 2024/05/30 (Thu)
Cello lessons will start !.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)
Cello lessons are now available ! All levels. Children and adults of any age are welcome. You can progress rapidly with fun lessons.
We can also help you with instrument rental.
Please feel free to contact us.
Located near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
( Paid parking available. 20min $ 1, 60min $ 3)
Other classes include Eurhythmic ( English Class ) , Senior Class, Beginner Ukulele Class, Sound Healing, DTM ( Computer Digital Music Production ) and many more new classes !. -
- Event / Education / Lesson
- 2024/05/31 (Fri)
Piano LessonThis 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)
!
① : We offer a variety of piano lessons for everyone who wants to improve their piano skills: From children to adults, you can enjoy and improve your skills with lessons tailored to each individual.
Step up with fun through various events such as Halloween and Christmas season recitals and in-studio competitions !
② : We have opened lessons for kids with a view to challenging internationally renowned music competitions and global success. We have opened a new course for kids. With our high-level instructors, let's aim for the big stage such as Walt Tisney Hall in LA and Carnegie Hall in NY !
Please feel free to contact us for more details.
Located right near Ala Moana Shopping Center. 8th floor of Kapiolani Gyukaku building. Parking is available.
Other new classes are coming soon: Eurhythmic ( English Class ), Senior Class, Ukulele Beginner Class, Sound Healing, DTM ( Computer Digital Music Production ) and more !. -
- Event / Education / Lesson
- 2024/06/01 (Sat)
Saxophone lessons are now available !.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)
Saxophone lessons will be offered ! All levels. Children and adults of any age are welcome. Lessons are available in Japanese or English.
We also help with instrument rental.
Please feel free to contact us.
Located right near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
( Paid parking available. 20min $ 1, 60min $ 3)
Other classes include Eurhythmic ( English Class ) , Senior Class, Beginner Ukulele Class, Sound Healing, DTM ( Computer Digital Music Production ) and many more new classes !. -
- Event / Education / Lesson
- 2024/06/02 (Sun)
Eurhythmic class students wanted!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)
🌺 Experience the joy of music and rhythm ! Renee's Music Studio offers rhythmic classes for children starting at 9:30 am.
Conveniently located in Ala Moana, we offer a fun time to nurture children's sensitivity and creativity.
Eurhythmics allows children to move freely to music and helps them develop their concentration ・ memory ・ and judgment. Join us now !
#Litmics #Music School for Kids #Ala Moana #Hawaii Music School -
- Event / Education / Lesson
- 2024/06/03 (Mon)
Gospel class students wanted !.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)
Gospel Class ! All levels, mainly in their 30's to 50's, people of all ages enjoy music in a friendly atmosphere !
Lessons do not use any sheet music, so even those who have never been exposed to music can feel free to start.
We do not use any sheet music in our lessons.
Please feel free to contact us at
musicstudioinquiry@gmail.com, or via Vivinavi.
Located near Ala Moana Shopping Center. Kapiolani Gyukaku building, 8th floor.
( Paid parking available next to the office il. \cHB9.5}Gospel class students wanted!
-
- Useful info / Finance / Insurance
- 2024/05/03 (Fri)
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
- 2024/05/03 (Fri)
Are you ready for your current and future life plans ??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)
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
- 2024/05/03 (Fri)
Long-term care situation and long-term care insurance in Hawaii in an aging societyThis 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 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.
22 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)
Is Buying Long-Term Care Insurance Right for You ??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)
[
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 similarincome <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)
Five Types of Life Insurance in the U.S.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)
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)
Reference Example of Accumulation-Type Life Insurance (with Long-Term Care Insurance Clause)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 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 Amount152,000
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 for152,000) 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
- 2024/06/03 (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)
Are you ready for your current and future life plans ??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)
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)
Long-term care situation and long-term care insurance in Hawaii in an aging societyThis 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 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.
22 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)
Is Buying Long-Term Care Insurance Right for You ??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)
[
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 similarincome <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)
Five Types of Life Insurance in the U.S.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)
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)
Reference Example of Accumulation-Type Life Insurance (with Long-Term Care Insurance Clause)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 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 Amount152,000
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 for152,000) 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. -
- Problem solution / Life / Housing
- 2024/05/27 (Mon)
General moving, cleaning and handy workThis 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 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.- 便利ーず ハワイ
- ホノルル, ハワイ州, 96815 アメリカ合衆国
- +1 (808) 650-1239
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- Press Release / Media
- 2024/05/23 (Thu)
Alohilani ・ Resort ・ Waikiki Beach] Swell ・ Restaurant & Pool ・ Bar Announces New MenuThis 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)
Alohilani ・ Swell at the Resort ・ Restaurant & Pool ・ New Menu at the Bar ! The new menu offers a creative twist on familiar favorites, with a selection of carefully selected items that incorporate comfort You can enjoy a variety of carefully selected items that incorporate comfort while adding a creative twist to familiar favorites.
Accompanied by Alohilani's signature snack monuments, diners can enjoy the international and local flavors of Hawaii, whether dining with friends or relaxing on their own. Each dish is a masterpiece of Hawaiian-inspired ingredients and creative culinary flair. Swell ・ Restaurant & Pool ・ Bar for a wonderful and unforgettable experience.
Alohilani ・ Chef Jordan ・ Swiler, the resort's new culinary director, presents an array of carefully selected items that add a creative twist and comfort to familiar favorites. Using locally sourced ingredients that reflect the bounty of Hawaii, guests will enjoy bite-sized snacks, modern classics, and new craft cocktails.
Highlights of the new menu include House ・ Potato Chips with Tzatziki ・ Dip, as well as an array of shareable dishes such as Curry ・ Smack ・ with Spices and Smoked Salmon Roe. Other items available include spicy ・ ahi ・ crispy ・ rice, raw oysters, Italian ・ tomato ・ bread, ahi ・ nachos, smoked ・ mahi ・ toast.
New main dishes include signature Swell ・ Burgers, as well as Ahi ・ Poke ・ Bowls, Korean ・ BBQ ・ Bowls, Snake ・ River ・ A selection of hot dogs from Farms. Salads include a choice of Alohilani ・ Caesar Salad and Cobb Salad. Acai bowls and coffee ・ chocolate ・ cheesecakes are a great way to end your meal. A children's menu is also available.
Signature ・ Cocktails include the Alohilani ・ Mai Tai, Lip Tide, Royal Monarch, Broke ・ The ・ Mouse, Hang ・ Loose and Aloha ・ Oe. Frozen ・ cocktails include Pina ・ Colada, Lava ・ Flow and Blue ・ Hawaii, as well as a wide selection of wine, beer and more.
Swell ・ Restaurant & Pool ・ Bar is located on the 5th floor of Alohilani ・ Resort. It is open Sunday through Thursday from 10:00 to 22:00 and Friday and Saturday from 10:00 to 24:00. Live music is available nightly from 18:30 to 21:30.
Alohilani ・ Resort ・ Waikiki ・ About the Beach
Located on Kalakaua Avenue in Waikiki with world-class beaches on its doorstep, Alohilani ・ Resort ・ Waikiki Beach is a sophisticated design hotel that honors Hawaii's rich cultural heritage The AlohilaniResort Waikiki Beach pays homage to Hawaii's rich cultural heritage. Located in Waikiki with convenient access to shopping and sightseeing, yet surrounded by azure waters, beaches, and Diamond Head, the hotel is a modern oasis that balances urban charm with the healing power of nature. Alohilani Resort features two restaurants by world-renowned Iron Chef Shoji Morimoto, a dynamic infinity pool overlooking the ocean, a captivating Oceanarium with 280,000 gallons of water, sunset yoga, tennis lessons, batting cages and other rooftop fitness facilities, and much more. *Schedules and details of the above events are subject to change. Please visit www.alohilaniresort.com for the latest information. - AT Marketing
- Honolulu, HI, 96815 US
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