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    • Press Release / Media
    • 2024/04/30 (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)

    Mother's Day Brunch at the Queen Kapiolani Hotel "Deck" to be enjoyed while feeling the pleasant trade winds.

    \The first event in May, after the rainy season ends and the pleasant Hawaiian weather returns, is Mother's Day. Deck, a bright, open-air restaurant overlooking beautiful Diamond Head, will offer a one-day Mother's Day Brunch on May 12 （ Sunday ） for families and couples alike. 2 types of brunch will be served as follows:

    Leahi Room Leahy Room Mother's Day Brunch Buffet
    The buffet in the Leahy Room, a banquet room used for parties, weddings and other private events, is perfect for families. The menu features a wide variety of items to tempt the eye, including raw oysters, king crab legs, a prime rib carving station, and a dessert bar. The star of the show, mom, receives a special gift from the restaurant. The Mother's Day Buffet is on May 12 （ Sun ）, 10am-3pm （ last entry at 2:15pm ）. Prices are $ 95 per person, $ 45 （ per child from 4 to 12 years old ） excluding drinks, tax and service charge. Advance reservations recommended online or by phone. Seating is for two hours.
    Deck Mother's Day Brunch Special Menu
    For those who prefer a more casual brunch experience, three special Mother's Day menus are available in addition to Deck's regular brunch menu. All menus are available from 10am to 3pm （ last order 2:15pm ）.

    ・ Continental ・ Breakfast Tower ∈ $ 18 ∷
    A tower of seasonal fruits, fresh pastries and toast beautifully displayed to make every woman happy.

    ・ Seafood Tower ( $ 57S)
    Luxurious seafood tower with jumbo shrimp, king crab legs, oyster shooters and spicy ahi poke. Served with yuzu cocktail sauce, ponzu and tabasco sauce.

    ・ Crab Benedict ≪($ 36€)
    The breakfast staple, Benedict's, also has a Mother's Day version. A Maryland style crab cake on top of an English muffin with our special béarnaise sauce. Walk-ins are welcome for the Mother's Day buffet and brunch, but advance reservations are recommended. Reservations can be made by phone or online. Happy Hour will be closed on this day.

    Store Name ： Deck. Deck
    Address ： 150 Kapahulu Ave., Honolulu, HI 96815 Queen Kapiolani Hotel 3rd Floor
    Phone ： 808-556-2435
    Hours ： Breakfast 6:30 AM - 10:00 AM
    Lunch&Brunch 10:00 AM - 3:00 PM
    Dinner 4:00 PM - 10:00 PM （ Fri ・ Sat at 11:00 PM ）
    Happy Hour 2:00 PM - 6:00 PM （ Drinks ） , 4:00 PM - 6:00 PM （ Food ）
    Closed ： None
    Parking ： Valet parking at Queen Kapiolani Hotel is limited and first come first served
    Parking at Honolulu Zoo is available for 1 hour $ 1.50

    Website ： deckwaikiki.com
    Facebook ： @DeckWaikiki
    Instagram ： @deckwaikiki, @leahiroomevents

    • Press Release / Media
    • 2024/05/02 (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)

    Larger eat-in space and food trucks in operation Dells ・ Kitchen ＆ What's New in the Bakery ！

    （ From Honolulu, ） On the corner of McCallie and Young Streets, marked by a large parking lot, Del's ・ Kitchen ＆ Bakery is a casual take-out ＆ eat-in restaurant. It is a very popular spot for both locals and tourists alike, highly rated for its convenient location and reasonable prices, in addition to the quality of its extensive menu. The restaurant recently expanded its self-service table area to 50 seats and began serving food to eat-in customers in dishes rather than take-out boxes. This environmental initiative to reduce waste has been well received by regular customers. In addition, Mio ・ Pastaology, which had a separate counter, has been integrated into the Del's ・ Kitchen ＆ Bakery side of the store to make it more accessible to customers. The company also began selling fried chicken and dumplings in its kitchen car this summer at farmers' markets, events, and local festivals where it plans to set up a stall. They are currently open in the Kaka'ako area Tuesday through Saturday from 11 a.m. to 3 p.m. Daily stall locations will be announced on the Instagram ・ page @dellskitchenandbakeryfoodtruck.
    Vane ・ at ・ Kaka'ako executive chef Del ・ Bardez, who is also well known for his delicious local menu, including maui style short ribs and loco moco, supervised by Chef ・ David ・ Lee and former official residence From Western-style dishes such as special curry made by Chef Masanori Tsuda after a long simmer, pork cutlets made with Kurobuta pork and fresh bread crumbs that would be hard to beat at a specialty restaurant, and fluffy omelet rice available only on Sundays, to Japanese plate lunches such as Misoyaki Salmon and Kawagoe Gyoza, Yakisoba noodles made with home-made noodles, A wide variety of menu items are available, including vegetarian plate lunches and popular pasta dishes from Mio Pastaology. In the bakery located in the same store, the bakery team led by Pastry Chef Yoshiko Kabasawa ・ bakes fresh hot-spring bread and baguettes that are sure to sell out, as well as a wide variety of sweet breads such as Anpan and Melonpan, yakisoba bread, and prepared foods such as egg sandwiches, just like The selection looks like that of a Japanese bakery.
    "Del's ・ Kitchen ＆ Bakery also offers a large selection of dishes that can be reserved for home parties, kids' sports games, and other potlucks. We also make seasonal cakes and pies. Our homemade authentic dumplings are also popular," says Chef Tsuda. Since our location is near the entrance to the freeway, tourists can pick up our omusubi and bread during their tours. We offer delicious food at affordable prices. We invite you to enjoy freshly prepared food in our expanded dining area."
    Del's ・ Kitchen&About the Bakery
    Executive Chef Del ・ Valdez's creative ideas, including Maui style short ribs and ahi katsu, and Local Chef ・ David ・ Lee and Chef Masanori Tsuda, former chef at the official residence, create Japanese plate lunches such as karaage and miso grilled salmon, homemade handmade pasta, and fresh bread baked every morning, including yu-kin bread and daiginjo bread, are very popular takeout specialties. There is also an eat-in space where you can enjoy your plate lunch made to order while it is still hot. A new kitchen car will start selling fried chicken and dumplings at events and farmers' markets.

    Store Name ： Dell's ・ Kitchen&Bakery / Dell's Kitchen&Bakery
    Address ： 1110 McCully St., Honolulu, HI 96826
    Phone Number ： (808) 840 - 0496
    Hours ： 9:00 AM - 8:00 PM （ Bakery ） , 10:30 AM - 8:00 PM （ Kitchen ） ,
    11:00 AM - 3:00 PM （ Kitchen Car/Tues-Sat ）
    Closed ： Thanksgiving Day and New Year's Day
    Seating ： 50 seats
    Parking ： Available
    Credit Cards ： Visa, Master, JCB, Amex, Diners, Discover
    Website ： https://www.dellskitchenandbakery.com/
    Instagram ： @dellskitchenandbakery
    Instagram （ Kitchen Car ） ： @dellskitchenandbakeryfoodtruck

    • Press Release / Media
    • 2024/05/21 (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)

    DEAN&DELUCA HAWAII Ritz-Carlton Store Exclusive Mesh Tote Bag Now Available in New 2024 Colors ！

    （ From Honolulu, ） DEAN&DELUCA HAWAII has always attracted attention as a tasteful food boutique offering stylish gift items, kitchenware, affordable gourmet ・ delis, freshly baked bread and sweets, and more. The Ritz-Carlton store recently introduced a new color, "mint green," for its limited edition mesh tote. The small size is ＄ 32 and the large size is $ 34, and they arrived and went on sale on May 15, 2024. The new mesh tote bags are available in limited quantities, starting with rose pink, which sold out in a few weeks last year. This year's new mint green mesh tote is even more limited with a small tag marked 2024, much to the delight of DEAN&DELUCA HAWAII fans.
    DEAN&DELUCA HAWAII Marketing Director Yuko Baker said, "The Ritz-Carlton store exclusive mesh tote is very lightweight and easy to use, and both the small and large size totes have a large interior pocket that can easily fit a smartphone. The large size is perfect for shopping or the beach. The large size is great for shopping and the beach, while the small size is great for everyday use, at the resort or around town. The new mint green color is a refreshing unisex color perfect for the coming season," he stated.
    Also, the popular afternoon tea at the DEAN&DELUCA HAWAII Ritz-Carlton store is being offered with a limited menu featuring madeleines in the shape of roses and tea bags as gifts until the end of May, and will be renewed on June 4. For afternoon tea reservations, please visit the website.
    DEAN&DELUCA HAWAII About
    DEAN&DELUCA was founded in 1977 by Giorgio ・ Deluca, a retired teacher turned cheese distributor, and Joel ・ Dean, a business manager for a publishing company. The food boutique was founded in New York City's SoHo district in 1977. In Hawaii, the first DEAN&DELUCA Hawaii store opened in September 2016 inside The ・ Ritz ・ Carlton ・ Residence Waikiki Beach In November 2017, the Royal Hawaiian Center, a shopping center in the heart of Waikiki The second store opened on the ocean side of the first floor of Building B of the Center, near the entrance of the Sheraton ・ Waikiki ・ Hotel. Since May 2020, the company has also opened a store at the Farm Lovers Market in Kakaako every Saturday morning, gaining popularity with the local community. In contrast to the Ritz ・ Carlton location, where guests can enjoy a leisurely brunch or afternoon tea in the Artisan Loft on the second floor, the Royal Hawaiian Center location is a casual take-out "grab&go （ grab ＆ go ）" style food, drink and gift items. In addition to popular baked goods such as bread, muffins and scones, as well as salads, sandwiches, soups and other light ・ snacks featuring local delicacies, DEAN&DELUCA HAWAII original blend coffee, tea, Hawaiian sodas and other Hawaiian sodas and other beverages are also available. Also not to be missed are the sundries and gift items, including a limited-edition Hawaiian tote bag. The long-awaited third store, the DEAN&DELUCA HAWAII Ward Village store, is scheduled to open in mid-2024.

    DEAN&DELUCA HAWAII The ・ Ritz ・ Carlton ・ Residence Waikiki Beach Store
    Address ： 383 Kalaimoku St., Honolulu, HI 96815 The ・ Ritz ・ Carlton ・ Residence Waikiki Beach 1st Floor
    Phone ： (808)729-9720
    Hours ： 7:00 AM - 5:00 PM
    Artisan Loft Weekend Brunch ： 9:00 AM - 2:00 PM （ Saturday&Sunday ）
    Artisan Loft Afternoon Tea ： 11:30 AM - 3:30 PM （ Tuesday - Thursday ）

    DEAN&DELUCA HAWAII Royal Hawaiian Center Store
    Address ： 2233 Kalakaua Ave., Honolulu, HI 96815
    Royal Hawaiian Center B, 1st floor
    Phone ： (808)492-1015
    Hours ： 7:00 AM - 9:00 PM

    Website ： deandeluca-hawaii.com
    Facebook ： @ deandelucahawaii
    Instagram ： @deandelucahawaii

    • Discount / Fashion / Apparel
    • 2024/05/13 (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)

    👼Angels By The Sea Hawaii PK 👼Discount Offer 10% off your bill

    Angels by the Sea Hawaii, a local favorite for its cute and girly products, is offering a 10% discount at its stores.
    Show this Bibinavi ad page to get 10% off your bill ！

    Happy discount to make your shopping even more fun ♪
    Please visit Angels by the Sea Hawaii ！


    [Sheraton ・ Princess ・ Kaiulani Store]
    Address ： 2348 Kalakaua Ave, Honolulu, HI 96815
    Phone ： 808-921-2747 Business hours ： 10:00 ～ 21:00 （ Open daily ）

    Discount

    Present this page to receive 10% off your bill ！
    Cannot be combined with ot...

    • Introduction / Fashion / Apparel
    • 2024/05/06 (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)

    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 ♪


    made to order Hawaiian dresses
    Made by the brand Princess Kaiulani Fashion using authentic Hawaiian shirt fabric.
    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 help you find the perfect size ！

    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
    • 2024/05/20 (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)

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

    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

    • 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)

    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
    • 2024/05/03 (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.

    • Useful info / Restaurant / Gourmet
    • 2024/05/06 (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)

    Grand opening at last ！.

    After 5 months of soft opening, we finally have our grand opening ！ ！
    We have added new menu items and made it even more fun ‼️

    In celebration of our grand opening, "Saw vivinavi ！ ", we offer one free tempura of your choice ‼️

    Please take this opportunity ‼︎

    online order
    (www.clover.com/online-ordering/udon- gamadashi-honolulu)
    phone order 808-200-2627
    we accept ！

    • Satisfaction guaranteed / Restaurant / Gourmet
    • 2024/05/13 (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)

    New products on sale ！.

    New menu items are now available on the occasion of the grand opening.
    Please take this opportunity to try ！

    ・ Tonkotsu Udon
    REG ： $ 11.25
    LRG ： $ 11.25

    ・ Delicious spicy udon reg ： $ 11.25
    lrg ： $ 11.25

    online order
    (www.clover.com/online-ordering/udon- gamadashi-honolulu)
    phone order 808-200-2627
    we accept ！

    • Complimentary / Restaurant / Gourmet
    • 2024/05/21 (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)

    Grand Opening Commemoration ！ ！

    Our new menu has been well received by many customers.
    Free Tempura service in celebration of the grand opening is also available until the end of May ！ ！
    ★ We look forward to seeing you ★

    ---
    Buy One Udon,
    Get One Tempura Free ！
    Only in May!
    ---

    online order
    (www.clover.com/online-ordering/udon-gamadashi-honolulu)
    phone order 808-200-2627
    Accepted ！

    Complimentary

    Free Tempura with one dish for seeing Vivinavi ！.

    • Problem solution / Life / Housing
    • 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)

    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 issues you may have.
    We have 20 years of experience with Japanese moving companies and can help you ・ quickly and courteously ・ with your move.
    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
    • Problem solution / Education / Lesson
    • 2024/05/13 (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)

    We can help you with your study ！ ！ [Registration Fee Free Campaign] Tutoring ＋ Tutoring ＝ Home tutoring to dramatically improve your academic performance ！.

    Focus Education Institute is a private tutoring school that offers a wide range of services from Hawaii local school supplementary lessons to Japanese education supplementary lessons, various English language qualification examinations, and entrance examinations for top U.S. and Japanese schools ！ Leave all your study matters to us ！ ！

    Focus Education Institute offers a wide range of services from Hawaii local school supplementary lessons to Japanese education supplementary lessons, various English language qualification examinations, and entrance examinations for top U.S. and Japanese schools
    ・. 564> We are a private tutoring school that offers a wide range of services from local Hawaiian schools, to Japanese education, to English certification exams, and even entrance exams to top schools in Japan and the United States.
    Here are some of our strengths.

    -----------------------

    About supplementary education - from Hawaii local school supplementary education to Japanese education supplementary education -

    We provide a wide range of services from kindergarten children, elementary school students, high school students, college students and adults

    Math ・ Math ： Local school supplementary lessons, Elementary ・ Middle ・ High ・ University entrance exam preparation for local schools, Japanese Elementary ・ Middle ・ High ・ University entrance exam preparation
    Japanese ： Japanese Elementary ・ Middle High School ・ Preparation for University Entrance Exam, supplementary study, essay writing
    Science ： Physics ・ Chemistry ・ Geology ・ Biology － Supplementary study at local school ・ Preparation for local school entrance exam ・ Preparation for Japanese exam
    Social ： Japanese History ・ World History ・ European History ・ American History ・ Hawaiian History ・ Geography ・ Political Economy
    Interview Preparation ： Japanese ・ English
    Driving License ： Written Test Preparation
    -----------------------

    Please feel free to contact us for a free initial consultation.
    Please see our website for more information about our system and other details.
    http://www.focuslabo.com （ Japanese language only)
    http://www.focuslabo.com/en （ English ）

    Please mention that you saw Vivinavi ！. ！
    Please take advantage of this opportunity.

    Mention "I saw Vivinavi ！" and the registration fee will be waived
    (usually...

    家庭塾補習資格受験
    • Problem solution / Education / Lesson
    • 2024/05/19 (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)

    Preparation for entrance exams to top Japanese and U.S. schools

    Focus Education Institute is a private tutoring school that offers a wide range of services from Hawaii local school supplementary lessons to Japanese education supplementary lessons, various English language qualification examinations, and entrance examinations for top U.S. and Japanese schools ！ Leave all your study matters to us ！ ！

    Focus Education Institute offers a wide range of services from Hawaii local school supplementary lessons to Japanese education supplementary lessons, various English language qualification examinations, and entrance examinations for top U.S. and Japanese schools
    ・. 564> We are a private tutoring school that offers a wide range of services from local Hawaiian schools to Japanese schools, and even to top schools in Japan and the U.S.
    Here are some of our strengths.

    -----------------------
    Preparation for top schools in Japan and the U.S.

    We have a wide range of teachers who can help you with any subject from 1st grade local school remediation to average Japanese school level remediation and
    Nada Junior High School ・ Kaisei High School ・ Tokyo University, etc.
    We can also provide support for local schools so that students can keep up with their schools when they return to Japan.
    In addition, we can also provide advice on how to prepare for the returnee quota, and how to apply to both Japanese and American universities.
    We currently give preferential treatment to students who are applying to Keio Academy of New York.
    We are proud of the 100% acceptance rate of our students to Keio Academy of New York.
    Please feel free to contact us if you are interested.

    -----------------------

    Please feel free to apply for a free initial consultation.
    Please see our website for more information about our system, etc.
    http://www.focuslabo.com

    Please mention "I saw Vivinavi ！" to get free registration ！
    Please take this opportunity.

    No registration fee (usually $ 60€)

    家庭塾補習資格受験
    • Satisfaction guaranteed / Life / Housing
    • 2024/05/11 (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)

    Japanese language service for peace of mind ！ We can take care of the design, construction, and furniture selection for your property.

    DAIZU HAWAII is a wholly owned subsidiary of DAIZU INC, headquartered in Los Angeles, and is locally incorporated in Hawaii.
    We are a one-stop shop for high-end interior design, renovation and furniture selection for your residence as well as commercial properties such as offices and stores.

    Construction in the U.S. is often delayed for a variety of reasons, including problems with material procurement and the morale of local contractors.
    Japanese people who are accustomed to the solid service of Japan are often surprised at first. ？
    DAIZU HAWAII's experienced Japanese staff supervises the schedule and the site, and provides meticulous service from the same perspective as the owner. We will provide the best service from the owner's point of view.
    You will communicate with us in Japanese, so please feel free to ask detailed questions or give us your orders without holding back due to language barriers.

    ～ Services ～

    ・ Home Design / Renovation
    ・ Residential Furniture Package
    ・ Office Furniture
    ・ Hotel ・ Restaurant Store Furniture

    Face to face or Zoom meetings are also available
    Please feel free to contact us first.

    インテリアデザインリノベーション
    • Press Release / Media
    • 2024/04/23 (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)

    Ala Moana ・ Hotel ・ by ・ Mantra Voted "Best Value" by Hawaii ・ Magazine Readers!

    Honolulu, HI - Hawaii ・ Magazine readers have once again voted the Ala Moana ・ Hotel ・ by ・ Mantra as one of Hawaii's Best ・ Value （ Most Value ） Hotels. Known for its affordable rates and exceptional service, the Ala Moana ・ Hotel has become the ideal choice for dining, shopping, and staying in Hawaii.

    Hawaii ・ Magazine conducts its annual Readers' Poll, in which readers and subscribers vote for their favorite beaches, restaurants, and hotels in Hawaii. The poll is notable for giving people a real voice to their favorite stores and the best ・ spots in Hawaii. The Ala Moana ・ Hotel's selection as the Best ・ Value ・ Hotel reflects the hotel's commitment to providing guests with both high quality and reasonable prices.

    Conveniently located in the heart of Honolulu, the Ala Moana ・ Hotel offers an ideal environment at a reasonable price for guests seeking comfort and convenience. With a prime location adjacent to Ala Moana Center, Ala Moana ・ Beach ・ Park ／ Magic ・ Island, Hawaii ・ Convention Center, and more, the Ala Moana Hotel offers easy access to the best shopping, dining, and entertainment with easy access to the best shopping, dining and entertainment ・ spots.

    Readers' Choice Award Winner for Best ・ Value ・ Hotel ・ Ala Moana ・ Hotel by ・ Mantra's goal has always been to provide the best value and an unforgettable experience not only for travelers, but locals as well. Our goal is to provide the best value for an unforgettable experience for travelers as well as locals.
    Earn Points with ALL-
    Join ALL- Accor Live Limitless, Accor's complimentary loyalty program, to earn points during your stay at Ala Moana ・ Hotel ・ by ・ Mantra. Points can be redeemed at hotels, dining, and experiences worldwide. For more information, please visit ： all.accor.com/loyalty-program/reasonstojoin/index.en.shtml

    ###
    Ala Moana ・ Hotel ・ Buy About Mantra
    A favorite of travelers and Hawaiians alike, Ala Moana ・ Hotel ・ by ・ Mantra is directly connected to Ala Moana Center, one of the largest open-air shopping centers in the country, and Honolulu's famous beach. The Mantra is conveniently located just a short walk from Ala Moana Center, the largest open-air shopping center in the country, and Honolulu's famous beaches. The hotel offers ocean, mountain, and sunset view rooms, a swimming pool and fitness center, well-maintained underground parking, meeting ・ rooms, banquet facilities, restaurant, spa, retail store, free Wi-Fi, and much more for your stay. . The Hawaii ・ Convention Center is also close by, making it the perfect place to stay for business. Ala Moana ・ Hotel ・ by ・ Mantra offers a full range of facilities and friendly, personalized hospitality with the spirit of Aloha to ensure a comfortable and pleasant stay for our guests. For more information and reservations, please visit our official website （ http://jp.alamoanahotel.com/ ）. You can also find more information about the hotel on our official Japanese language Facebook page （ https://www.facebook.com/AlaMoanaHotelJapan/ ）.

    Ala Moana ・ Hotel ・ by ・ Mantra is a brand of Accor ・ Group, a leading global hospitality group with over 5,000 hotels, resorts and residences in over 110 countries. Mantra is one of the Accor Group's brands.