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    • Useful info / Education / Lesson
    • 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)

    🥰Baby massage class for a fun and positive change

    Baby massage during infancy is the best expression of love from mother to child.
    And it also leads to self-care, which can heal mom's own body and mind as well.
    We invite Ms. Ayako Martin to teach and help moms make positive changes 🫶
    Moms who are raising children have many worries and anxieties ！
    ・ Still new to Hawaii
    ・ No friends around who speak Japanese
    ・ I am worried and lonely raising my child alone
    ・ I am confused by the difference between American and Japanese parenting culture
    ・ I am interested in natural health care methods and need some good advice
    ・ I am worried about my child's health I am worried about crying at night or having a colicky child
    ・ I am worried about constipation or upset stomach
    ・ I need help with childcare issues
    ・ I need to deal with frustration
    ・ I need a change of scenery ＆ I need to feel refreshed <
    ・ Want to interact with other mothers raising children, but don't have a chance

    But that's okay ！ ！

    Baby massage classes bring smiles to mothers with these concerns ！

    Mothers can expect to feel relaxed and healed by touching their baby's soft, pudgy skin.
    As baby massage continues, mothers will be able to sense changes in their baby's feelings and body, and will feel more confident and relaxed in their child-rearing.

The baby's feelings will be filled with the love of the mother, and the mother herself will feel that her baby is cute and that child-rearing is fun ！ ！
    Baby massage has many wonderful benefits such as these.

    For more information, please visit Dr. Ayako Martin's blog site for an introductory article.
    https://ameblo.jp/sunshine-baby-massage/entry-11940320940.html

    Reservation Form
    https://forms.gle/Wj3rH4kLphd3 zjccA

    Location
    1500 S King Street #205, Honolulu
    5 min walk from Don Quijote in Ala Moana.
    (808) 371-8910 Please call Lucy at (808) 371-8910 and ask for Lucy in Japanese.

    ハワイベビークラスベビーマッサージハワイハワイ子育て支援ハワイ日本語赤ちゃんクラスハワイリトミック教室ピアノ教室
    • Signature service / Education / Lesson
    • 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)

    Expanding your child's future through music

    Free trial lesson available!
    Enjoy learning music with lessons that accompany your growth and learn with your mind and body ！ Very popular music school ！
    We have some openings on Tuesdays, Thursdays, and Saturdays in FY2024.
    🎹An instructor who is well versed in music will help you bring out your tone through individualized practice.
    ●What kind of teacher is she/he ？
    ●Will she/he be able to give you the lessons you want ？
    ●I'm learning piano for the first time, is it OK …
    We offer free trial lessons to help you resolve any such doubts.
    Please feel free to contact us in Japanese.

    [Classroom Features]

    * We will pinpoint and tell you exactly how to practice what you need most.
    * We will ensure that you are moving forward with lean practice.
    * We will send you a report after each lesson. You can know the contents of the lesson in writing as well.
    * Children who are not good at music are welcome ！
    * Is it true that absolute pitch can be acquired by learning piano ？ It is true.
    * Absolute pitch is a gift for your child. The best time to start is now ！
    * To gain confidence in piano playing, you need to build a trusting relationship with the teacher and a safe environment.
    * We are moving into an age where mental sensitivity is required, which AI cannot handle. You can learn through piano study.
    * We teach a variety of students, from beginners who have never played piano before to experts.
    * I have experience as an accompanist and music director for musical productions at Kauai Junior College of Music, and can handle advanced content.
    * Lessons are available in both Japanese and English.

    [Student Testimonials]
    * I have found that I can practice very efficiently even in a short time.　Emma Miyashiro, 18, Makiki, Hawaii
    * Now that I understand how and what to practice every day, my aspirations are taking shape.　Masaki Ito, 16 years old, lives in Hawaii Kai
    * I was able to learn to like the songs I was not good at ！ I worked hard and my gramma came from Japan to see my presentation ！ I am very happy.　Kotaro, age 11, lives in Moili'ili
    * I ask for one-shot lessons about twice a month. I can't practice at home, but I enjoy going to the lessons and playing along with the teacher, so I feel like I'm getting better.　Sarah Perry, adult female, lives in Waikiki
    * I was nervous at first. Sometimes I think the piano is difficult. My teacher told me that it was okay if I couldn't play well, as long as I enjoyed playing. I want to be able to play "For Elise.　Reon Okano, age 8, lives in Manoa
    * I am in my late 60s. I am practicing a simple version of Elton John, but I play it for myself within a reasonable range. I started playing the piano to prevent aging, but at my age I am finally starting to enjoy it.　Yoshio Taguchi, adult male, lives in Ala Moana

    When students are satisfied with the way I teach, they are able to enjoy music very much.

    [Advice for students who want to learn seriously]
    In order to play the piano seriously, reading music ・ expressive ability ・ listening ability and good use of body are important factors. We recommend that you take a comprehensive lesson that includes not only piano playing but also music • solfege • rhythmic • music history, etc. so that you can learn the basic techniques. 30 to 60 minutes all-in-one lesson. OK ！ You can participate in a presentation at the UH concert hall.


    Mrs. Lucy Aki Polanzi Lucy Akiko Polanzi
    Born in Kauai. Bilingual (Japanese-English), raised in Japan. Bachelor of Music from Osaka College of Music/ Active performer and instructor of piano, voice, percussion, rhythmic and solfège music
    / Active member of Kenny Endo International Taiko Ensemble / Licensed Real Estate Agent in the State of Hawaii RS- 84486 / Legal Interpreter, Polanji Law Office / Taiko Center of the Pacific Taiko Instructor/Professional performer / President of Joyful Noise, a taiko group on Kauai
    I try to teach students to feel the joy and pleasure of music and to make the most of their individuality at their own level. I am also a teacher.
    I am available for lessons in both English and Japanese, with materials and curriculum to suit your needs ・ such as absolute pitch training, voice, composition, chord playing, etc. ・ I am available for lessons in both English and Japanese, with materials and curriculum to suit your goals. Lessons are available in both English and Japanese. Please feel free to contact us with any requests you may have. Let's make your dream come true together ！


    [Classroom Access]
    1500 South King Street (2nd floor of the building), Honolulu, HI 96826
    The classroom is on the 2nd floor. Please enter from the stairs on the side of the building.
    The entrance is at the top of the stairs.
    *Free guest parking is available and free street parking spaces are available around the classroom.

    [Reserving a Lesson]
    You can always use the schedule link to check lesson availability 24/7.

    [Payment Methods]
    We accept check, card, cash and Venmo.　


    [Contact]
    Lucy Akiko Polanji
    (808) 371-8910 Japanese Only Phone Number

    ✅ No classroom facility fee
    ✅ No annual fee
    ✅ No lesson cancellation f...

    ハワイピアノレッスン
    • Signature service / Education / Lesson
    • 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)

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

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

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

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

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


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


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

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

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

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

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

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

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

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

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

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


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


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

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

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

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

    Expanding your child's future through music

    Free trial lesson available!
    Enjoy learning music with lessons that accompany your growth and learn with your mind and body ！ Very popular music school ！
    We have some openings on Tuesdays, Thursdays, and Saturdays in FY2024.
    🎹An instructor who is well versed in music will help you bring out your tone through individualized practice.
    ●What kind of teacher is she/he ？
    ●Will she/he be able to give you the lessons you want ？
    ●I'm learning piano for the first time, is it OK …
    We offer free trial lessons to help you resolve any such doubts.
    Please feel free to contact us in Japanese.

    [Classroom Features]

    * We will pinpoint and tell you exactly how to practice what you need most.
    * We will ensure that you are moving forward with lean practice.
    * We will send you a report after each lesson. You can know the contents of the lesson in writing as well.
    * Children who are not good at music are welcome ！
    * Is it true that absolute pitch can be acquired by learning piano ？ It is true.
    * Absolute pitch is a gift for your child. The best time to start is now ！
    * To gain confidence in piano playing, you need to build a trusting relationship with the teacher and a safe environment.
    * We are moving into an age where mental sensitivity is required, which AI cannot handle. You can learn through piano study.
    * We teach a variety of students, from beginners who have never played piano before to experts.
    * I have experience as an accompanist and music director for musical productions at Kauai Junior College of Music, and can handle advanced content.
    * Lessons are available in both Japanese and English.

    [Student Testimonials]
    * I have found that I can practice very efficiently even in a short time.　Emma Miyashiro, 18, Makiki, Hawaii
    * Now that I understand how and what to practice every day, my aspirations are taking shape.　Masaki Ito, 16 years old, lives in Hawaii Kai
    * I was able to learn to like the songs I was not good at ！ I worked hard and my gramma came from Japan to see my presentation ！ I am very happy.　Kotaro, age 11, lives in Moili'ili
    * I ask for one-shot lessons about twice a month. I can't practice at home, but I enjoy going to the lessons and playing along with the teacher, so I feel like I'm getting better.　Sarah Perry, adult female, lives in Waikiki
    * I was nervous at first. Sometimes I think the piano is difficult. My teacher told me that it was okay if I couldn't play well, as long as I enjoyed playing. I want to be able to play "For Elise.　Reon Okano, age 8, lives in Manoa
    * I am in my late 60s. I am practicing a simple version of Elton John, but I play it for myself within a reasonable range. I started playing the piano to prevent aging, but at my age I am finally starting to enjoy it.　Yoshio Taguchi, adult male, lives in Ala Moana

    When students are satisfied with the way I teach, they are able to enjoy music very much.

    [Advice for students who want to learn seriously]
    In order to play the piano seriously, reading music ・ expressive ability ・ listening ability and good use of body are important factors. We recommend that you take a comprehensive lesson that includes not only piano playing but also music • solfege • rhythmic • music history, etc. so that you can learn the basic techniques. 30 to 60 minutes all-in-one lesson. OK ！ You can participate in a presentation at the UH concert hall.


    Mrs. Lucy Aki Polanzi Lucy Akiko Polanzi
    Born in Kauai. Bilingual (Japanese-English), raised in Japan. Bachelor of Music from Osaka College of Music/ Active performer and instructor of piano, voice, percussion, rhythmic and solfège music
    / Active member of Kenny Endo International Taiko Ensemble / Licensed Real Estate Agent in the State of Hawaii RS- 84486 / Legal Interpreter, Polanji Law Office / Taiko Center of the Pacific Taiko Instructor/Professional performer / President of Joyful Noise, a taiko group on Kauai
    I try to teach students to feel the joy and pleasure of music and to make the most of their individuality at their own level. I am also a teacher.
    I am available for lessons in both English and Japanese, with materials and curriculum to suit your needs ・ such as absolute pitch training, voice, composition, chord playing, etc. ・ I am available for lessons in both English and Japanese, with materials and curriculum to suit your goals. Lessons are available in both English and Japanese. Please feel free to contact us with any requests you may have. Let's make your dream come true together ！


    [Classroom Access]
    1500 South King Street (2nd floor of the building), Honolulu, HI 96826
    The classroom is on the 2nd floor. Please enter from the stairs on the side of the building.
    The entrance is at the top of the stairs.
    *Free guest parking is available and free street parking spaces are available around the classroom.

    [Reserving a Lesson]
    You can always use the schedule link to check lesson availability 24/7.

    [Payment Methods]
    We accept check, card, cash and Venmo.　


    [Contact]
    Lucy Akiko Polanji
    (808) 371-8910 Japanese Only Phone Number

    ✅ No classroom facility fee
    ✅ No annual fee
    ✅ No lesson cancellation f...

    ハワイピアノレッスン
    • Signature service / Education / Lesson
    • 2024/05/05 (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)

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

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

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

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

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


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


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

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

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

    太鼓ハワイピアノ音楽教室ハワイ幼児英才教育ハワイハワイピアノ教室ハワイリトミック教室
    • Useful info / Education / Lesson
    • 2024/05/14 (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)

    🥰Baby massage class for a fun and positive change

    Baby massage during infancy is the best expression of love from mother to child.
    And it also leads to self-care, which can heal mom's own body and mind as well.
    We invite Ms. Ayako Martin to teach and help moms make positive changes 🫶
    Moms who are raising children have many worries and anxieties ！
    ・ Still new to Hawaii
    ・ No friends around who speak Japanese
    ・ I am worried and lonely raising my child alone
    ・ I am confused by the difference between American and Japanese parenting culture
    ・ I am interested in natural health care methods and need some good advice
    ・ I am worried about my child's health I am worried about crying at night or having a colicky child
    ・ I am worried about constipation or upset stomach
    ・ I need help with childcare issues
    ・ I need to deal with frustration
    ・ I need a change of scenery ＆ I need to feel refreshed <
    ・ Want to interact with other mothers raising children, but don't have a chance

    But that's okay ！ ！

    Baby massage classes bring smiles to mothers with these concerns ！

    Mothers can expect to feel relaxed and healed by touching their baby's soft, pudgy skin.
    As baby massage continues, mothers will be able to sense changes in their baby's feelings and body, and will feel more confident and relaxed in their child-rearing.

The baby's feelings will be filled with the love of the mother, and the mother herself will feel that her baby is cute and that child-rearing is fun ！ ！
    Baby massage has many wonderful benefits such as these.

    For more information, please visit Dr. Ayako Martin's blog site for an introductory article.
    https://ameblo.jp/sunshine-baby-massage/entry-11940320940.html

    Reservation Form
    https://forms.gle/Wj3rH4kLphd3 zjccA

    Location
    1500 S King Street #205, Honolulu
    5 min walk from Don Quijote in Ala Moana.
    (808) 371-8910 Please call Lucy at (808) 371-8910 and ask for Lucy in Japanese.

    ハワイベビークラスベビーマッサージハワイハワイ子育て支援ハワイ日本語赤ちゃんクラスハワイリトミック教室ピアノ教室
    • 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.

    • Satisfaction guaranteed / Gift / Shopping
    • 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)

    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 / Restaurant / Gourmet
    • 2024/04/25 (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)

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

    At JShop, we put our heart and soul into our bento boxes so that you can enjoy the freshest ingredients and taste the best.
    Side dishes are also made by hand every day.
    Please try it!
    Daily boxed 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
    Mon-Sat 10 ： 00-18 ： 00
    J-Shop Izakaya hours
    Tues-Sat 17 ： 30-21 ： 00

    • Useful info / Gift / Shopping
    • 2024/04/25 (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)

    Nagasaki Wagyu Beef Meat 20% OFF Sale Starting Tomorrow ！ ！.

    A5 Grade Top Quality Nagasaki Wagyu Meat 20% OFF Sale
    Finally starting tomorrow ！ ！
    4/26 ， 4/27 ， 4/29 only 3 days, so don't miss it ！ ！
    According to your request,
    We will cut into pieces for steak, yakiniku, sukiyaki and shabu-shabu as you wish.
    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 Tavern Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • 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