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    • Useful info / Life / Housing
    • 2024/06/20 (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)

    We will provide you with the latest information from the Hawaii Association of Realtors (MLS) at no charge, as well as a free estimated value of your property. Please contact us ！.

    ！
    The Hawaii Lani Real Estate Team has over 20 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    We can help you sell your current home and purchase your new home at the same time for capital gains tax purposes,
    buy a new investment property on a 1031 Exchange,
    or sell a property in the mainland US, Maui or other islands. We also have extensive experience in the sale of properties on the U.S. mainland, Maui and other islands, and the purchase of properties on Oahu using tax planning strategies.

    We can also manage your property after purchase and pay common expenses, insurance, taxes, etc. on your behalf.


    Tomoko Kubiak, owner of Hawaii Lani Real Estate, has over 20 years of Hawaii real estate experience.
    We continue to work with long time clients and their families.
    We are also grateful for the many referrals from our clients to our clients.
    And we are very happy to meet new customers, and most of all, we are very happy that our customers are happy after the real estate transaction.


    Obtained Hawaii State Real Estate License （ in 1999.
    Obtained Hawaii State Real Estate Chief's License （ RB in 2009.
    Established Hawaii Lani Real Estate in 2010.
    Member of the National and Hawaii State Association of Realtors.



    [Contact]
    (808) 386-7984 （ Japanese ）
    (808) 924-5040 (808) 924-5040 Japanese ）
    email: tomoko@ hawaiilanirealty.com

    ★ Experienced in condominiums in Waikiki and Ala Moana area as well as in buying and selling properties in West Oahu.




    Please contact us through [Contact Us] above or "Send Message" below
    For more information, please visit our website below ♪
    ↓

    • Useful info / Life / Housing
    • 2024/06/21 (Fri)

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

    We will provide you with free property listings market prices and the latest real estate information from the Hawaii Association of Realtors （ MLS). Please contact us ！.

    ！
    The Hawaii Lani Real Estate Team has over 20 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your current property and buy a new property at the same time using capital gains tax planning,
    Buy a new investment property using tax deferral system,
    Sell a property in the mainland US or another island including Maui. Experienced in the sale of properties on other islands and the purchase of properties on Oahu using tax deferral.

    We can also manage your property after purchase and pay common expenses, insurance, taxes, etc. on your behalf.


    Tomoko Kubiak, owner of Hawaii Lani Real Estate, has over 20 years of Hawaii real estate experience.
    We continue to work with long time clients and their families.
    We are also grateful for the many referrals from our clients to our clients.
    And we are very happy to meet new customers, and most of all, we are very happy that our customers are happy after the real estate transaction.


    Obtained Hawaii State Real Estate License （ in 1999.
    Obtained Hawaii State Real Estate Chief's License （ RB in 2009.
    Established Hawaii Lani Real Estate in 2010.
    Member of the National and Hawaii State Association of Realtors.



    [Contact]
    (808) 386-7984 （ Japanese ）
    (808) 924-5040 (808) 924-5040 Japanese ）
    email: tomoko@ hawaiilanirealty.com

    ★ Experienced in condominiums in Waikiki and Ala Moana area as well as in buying and selling properties in West Oahu.




    Please contact us through [Contact Us] above or "Send Message" below
    For more information, please visit our website below ♪
    ↓

    • Useful info / Life / Housing
    • 2024/06/23 (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)

    We will provide you with free property listings market prices and the latest real estate information from the Hawaii Association of Realtors （ MLS). Please contact us ！.

    ！
    The Hawaii Lani Real Estate Team has over 20 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your current property and buy a new property at the same time using capital gains tax planning,
    Buy a new investment property using tax deferral system,
    Sell a property in the mainland US or another island including Maui. Experienced in the sale of properties on other islands and the purchase of properties on Oahu using tax deferral.

    We can also manage your property after purchase and pay common expenses, insurance, taxes, etc. on your behalf.


    Tomoko Kubiak, owner of Hawaii Lani Real Estate, has over 20 years of Hawaii real estate experience.
    We continue to work with long time clients and their families.
    We are also grateful for the many referrals from our clients to our clients.
    And we are very happy to meet new customers, and most of all, we are very happy that our customers are happy after the real estate transaction.


    Obtained Hawaii State Real Estate License （ in 1999.
    Obtained Hawaii State Real Estate Chief's License （ RB in 2009.
    Established Hawaii Lani Real Estate in 2010.
    Member of the National and Hawaii State Association of Realtors.



    [Contact]
    (808) 386-7984 （ Japanese ）
    (808) 924-5040 (808) 924-5040 Japanese ）
    email: tomoko@ hawaiilanirealty.com

    ★ Experienced in condominiums in Waikiki and Ala Moana area as well as in buying and selling properties in West Oahu.




    Please contact us through [Contact Us] above or "Send Message" below
    For more information, please visit our website below ♪
    ↓

    • Useful info / Life / Housing
    • 2024/06/16 (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)

    We will provide you with free property listings market prices and the latest real estate information from the Hawaii Association of Realtors. Please contact us ！.

    ！

    The Hawaii Lani Real Estate Team has over 20 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your existing property and purchase your new property at the same time using capital gains tax planning,
    Buy an investment property on a 1031 Exchange,
    Sell a property in the mainland US, Maui or other islands. Experienced in the replacement of real estate properties using tax planning to later purchase properties on Oahu.

    We can also manage your property after purchase and pay common expenses, insurance, taxes, etc. on your behalf.


    Tomoko Kubiak, owner of Hawaii Lani Real Estate, has over 20 years of Hawaii real estate experience.
    We continue to work with long time clients and their families.
    We are also grateful for the many referrals we receive from our clients to our clients.
    We are very happy to meet new customers, and above all, we are very happy when customers are happy after a real estate transaction.


    Obtained Hawaii State Real Estate License （ in 1999.
    Obtained Hawaii State Real Estate Chief's License （ RB in 2009.
    Established Hawaii Lani Real Estate in 2010.
    Member of the National and Hawaii State Association of Realtors.



    [Contact]
    (808) 386-7984 （ Japanese ）
    (808) 924-5040 (808) 924-5040 Japanese (Nichiei) ）
    email: tomoko@ hawaiilanirealty.com

    ★ Experienced in condominiums in Waikiki and Ala Moana area as well as in buying and selling properties in West Oahu.




    Please contact us through [Contact Us] above or "Send Message" below
    More information can be found at the following website ♪
    ↓

    • Useful info / Life / Housing
    • 2024/06/20 (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)

    Free property listings market and up-to-date real estate information from the Hawaii Association of Realtors （ MLS). Please contact us ！.

    ！
    Hawaii Lani Real Estate TeamWith over 20 years of Hawaii real estate experience and knowledge, we will assist you from your perspective and provide you with satisfactory service.
    We can provide you with information on properties for sale from the Hawaii Association of Realtors and all areas of Oahu that meet your needs.


    Sell your property and buy your new property at the same time for capital gains tax purposes,
    Buy an investment property on a 1031 Exchange,
    Sell a property in the mainland US, Maui or other islands. Experienced in the replacement of real estate properties using tax planning to later purchase properties on Oahu.

    We can also manage your property after purchase and pay common expenses, insurance, taxes, etc. on your behalf.


    Tomoko Kubiak, owner of Hawaii Lani Real Estate, has over 20 years of Hawaii real estate experience.
    We continue to work with long time clients and their families.
    We are also grateful for the many referrals we receive from our clients to our clients.
    We are very happy to meet new customers, and above all, we are very happy when customers are happy after a real estate transaction.


    Obtained Hawaii State Real Estate License （ in 1999.
    Obtained Hawaii State Real Estate Chief's License （ RB in 2009.
    Established Hawaii Lani Real Estate in 2010.
    Member of the National and Hawaii State Association of Realtors.



    [Contact]
    (808) 386-7984 （ Japanese ）
    (808) 924-5040 (808) 924-5040 Japanese (Nichiei) ）
    email: tomoko@ hawaiilanirealty.com

    ★ Experienced in condominiums in Waikiki and Ala Moana area as well as in buying and selling properties in West Oahu.




    Please contact us through [Contact Us] above or "Send Message" below
    More information can be found at the following website ♪
    ↓

    • Discount / Beauty / Health
    • 2024/06/01 (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)

    Limited Campaign until the end of July ！ 100 eyelash extensions $ 50（Tax, Tip not included） End of July 2024

    We help you shine to your fullest with attractive eyes and hands that match your life and seasons in Hawaii. With professional skills and customer service from Japan and the U.S., we will provide you with the treatment and suggestions that meet your needs and ・ safety ・ care and attention.
    100 lashes $ 50€(Tax,Tip not included)

    ■ Limited campaign until the end of July 2024 ！
    ───────────────────
    ・ Only for less than 100 lashes ・ Regular price $ 90, half price special $ 50 ！
    ・ For all including current customers
    ・ Not valid with other discounts
    ・ Valid for any number of appointments until end of July 2024

    ■ Store Information
    ───────────────────
    Hours ： 9:00am-5:30pm
    Phone +1 808-460-2433
    Line ID ： anela0821angel
    Store Address ： 655 Keeaumoku st #212


    *We can be flexible for treatment outside business hours. Please feel free to contact us.

    Discount

    Limited Campaign until the end of July 2024 ！ 100 eyelash extensions $ 50!

    ハワイまつエクまつパネイルまつげパーマ
    • Satisfaction guaranteed / Life / Housing
    • 2024/06/12 (Wed)

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

    Let Fogarty Real Estate manage your property in Hawaii with confidence ！.

    We have heard stories of people who have rental properties or vacation homes in Hawaii who have outsourced the management of their properties and have run into trouble.

    We are committed to providing reliable management from your point of view.

    ○ Reporting with monthly reports
    ○ Handling complaints from tenants
    ○ Assistance with repairs, monthly payments, and tax returns

    in an easy to understand, quick, and precise manner.
    In addition, our live staff will respond immediately by phone or by email.

    Even if you are far away from Japan, we are doing our best as a reliable Hawaii property management company that does not make you feel anxious
    Please contact us if you want to know more about our management ！.

    • Wanted / Life / Housing
    • 2024/05/31 (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)

    1 night~vacation rentals at Ilikai [Waikiki] ～ Recommended for travelers and short term students ！.

    Aloha

    Condo with kitchen&lanai near Ala Moana shopping center in Waikiki
    Ilikai can accommodate you from 1 night.
    Travelers as well as short term students for 1~2 weeks ～ For those staying for a few months, or for those who want to cook for themselves on their trip. > 380~ Max 6 people

    Please feel free to contact us if you would like to stay longer consecutive nights.
    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    No parking included, please use nearby street parking or valet parking $ 45


    Email: vacationrentals@startshawaii.com
    -------------------------------------------------------

    https://www.beachvillassuites.com/
    Others Royal Kuhio （ Waikiki ） 1 night ～ and Ko Olina 6 nights ～ are also available.

    1953 S. Beretania St., Suite PH-C


    Last minute discount available ！ Please inquire 🌺

    Last minute discounts available

    • Wanted / Life / Housing
    • 2024/05/31 (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)

    Must-see for those looking for a place to stay in Hawaii! Royal Kuhio [Waikiki] ～ Recommended for short-term students, expatriates and travelers ！.

    Aloha
    Royal Kuhio, a condo with kitchen&lanai in Waikiki, is available for one-night stays.

    Ideal for those who want to cook for themselves on their trip, students who want to share with friends to keep costs down, and families traveling together.
    ～ Short-term stay for 30 nights Good for those staying for a few months or while looking for a home when moving to Hawaii.


    1 night $ 175 ～ (depending on room type ） + TAX and cleaning fee

    30 night rate ＝ $ 3780 ～ $ 4968 + TAX and cleaning fee Including $ 4635.91 ～ $ 6037.30) Depending on room type and season.

    There are still rooms available for short term stays this month. If you would like to stay longer, please feel free to contact us.

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    Parking is subject to availability, but for short term stays $ 30/night

    We are also looking for monthly parking ($ 230 ＋ TAX ） Please inquire. We are also looking forward to your reservation.

    Email: vacationrentals@startshawaii.com

    -------------------------------------------------------
    https://www.beachvillassuites.com/
    We also offer 1 night stay in Ilikai ～ and 6 nights in Ko Olina ～.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    Last minute discounts available

    • Wanted / Life / Housing
    • 2024/05/31 (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)

    A must-see for repeat visitors to Hawaii! A different kind of Oahu ～ Vacation Rental KoOlina ～ 6 nights or more

    Aloha

    Stay at Ko Olina Beach Villa, condo with kitchen, lanai, pool and gym in Ko Olina ！
    Golf course, restaurants and Aulani Disney Hotel nearby.

    2 beds per night $ 500 ～ (depends on room type ） + TAX and cleaning fee （ Max 6 people ）
    3 bedroom $ 680~(Max 8 people)

    https ://www.beachvillassuites.com/

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    Parking space comes with one or two cars. There is a greeting service at check-in and they will show you your room.
    A slightly different, relaxing and elegant trip to Hawaii ！

    We are waiting for your reservation for availability after September.


    Email: vacationrentals@startshawaii.com
    -------------------------------------------------------
    Others Royal Kuhio, Ilikai （ Waikiki ） 1 night stay ～ also available.

    1953 S. Beretania St., Suite PH-C

    Last minute discounts available

    • Wanted / Life / Housing
    • 2024/06/13 (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)

    Must-see for those looking for a place to stay in Hawaii! Royal Kuhio [Waikiki] ～ Recommended for short-term students, expatriates and travelers ！.

    Aloha
    Royal Kuhio, a condo with kitchen&lanai in Waikiki, is available for one-night stays.

    Ideal for those who want to cook for themselves on their trip, students who want to share with friends to keep costs down, and families traveling together.
    ～ Short-term stay for 30 nights Good for those staying for a few months or while looking for a home when moving to Hawaii.


    1 night $ 175 ～ (depending on room type ） + TAX and cleaning fee

    30 night rate ＝ $ 3780 ～ $ 4968 + TAX and cleaning fee Including $ 4635.91 ～ $ 6037.30) Depends on room type and season.

    There are still rooms available for short term stays this month. If you would like to stay longer, please feel free to contact us.

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    Parking is subject to availability, but for short term stays $ 30/night

    We are also looking for monthly parking ($ 230 ＋ TAX ） Please inquire. We are also looking forward to your reservation.

    Email: vacationrentals@startshawaii.com

    -------------------------------------------------------
    https://www.beachvillassuites.com/
    We also offer 1 night stay in Ilikai ～ and 6 nights in Ko Olina ～.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    • Wanted / Life / Housing
    • 2024/06/13 (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)

    A must-see for repeat visitors to Hawaii! A different kind of Oahu ～ Vacation Rental KoOlina ～ 6 nights or more

    Aloha

    Stay at Ko Olina Beach Villa, condo with kitchen, lanai, pool and gym in Ko Olina ！
    Close to golf course, restaurants and Aulani Disney Hotel.

    2 beds per night $ 500 ～ (depends on room type ） +TAX and cleaning fee （ Max 6 people ）
    3 bedroom $ 680~(Max 8 people)

    https ://www.beachvillassuites.com/

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    Parking space comes with one or two cars. There is a greeting service at check-in and they will show you your room.
    A slightly different, relaxing and elegant trip to Hawaii ！

    Email: vacationrentals@startshawaii.com
    ------------------------------ -------------------------
    Other options include Royal Kuhio, Ilikai （ Waikiki ） 1 night ～

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    • Wanted / Life / Housing
    • 2024/06/13 (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)

    1 night~vacation rentals at Ilikai [Waikiki] ～ Recommended for travelers and short term students ！.

    Aloha

    Condo with kitchen&lanai in Waikiki near Ala Moana shopping center
    Ilikai is available for 1 night stay.
    This is a great option for travelers, for short term study for 1~2 weeks ～ for those staying for a few months, or for those who want to cook for themselves on their trip.

    1 night $ 150 ～ (depends on room type ） + TAX and cleaning fee

    2 bedroom $ 380~ capacity of 6 people

    Please feel free to contact us if you would like to stay longer consecutive nights.
    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    No parking included, please use nearby street parking or valet parking $ 45


    Email: vacationrentals@startshawaii.com
    -------------------------------------------------------

    https://www.beachvillassuites.com/
    Others Royal Kuhio （ Waikiki ） 1 night ～ and Ko Olina 6 nights ～ are also available.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    • Wanted / Life / Housing
    • 2024/06/20 (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)

    A must-see for repeat visitors to Hawaii! A different kind of Oahu ～ Vacation Rental KoOlina ～ 6 nights or more

    A must-see for repeat visitors to Hawaii! A Different Oahu ～ Vacation Rental in KoOlina ～ 6 nights minimum


    Aloha

    Ko Olina Beach Villa, a condo with kitchen, lanai, pool and gym in Ko Olina. ！
    Close to golf course, restaurants and Aulani Disney Hotel.

    2 beds per night $ 500 ～ (depends on room type ） + TAX and cleaning fee （ Max 6 people ）
    3 bedroom $ 680~(Max 8 people)

    https://www.beachvillassuites.com/

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One or two parking spaces are included. There is a greeting service at check-in and they will show you your room.
    A slightly different, relaxing and elegant trip to Hawaii ！

    Email: vacationrentals@startshawaii.com
    ------------------------------ -------------------------
    Other options include Royal Kuhio, Ilikai （ Waikiki ） 1 night ～.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    • Wanted / Life / Housing
    • 2024/06/20 (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)

    Must-see for those looking for a place to stay in Hawaii! Royal Kuhio [Waikiki] ～ Recommended for short-term students, expatriates and travelers ！.

    Aloha
    Royal Kuhio, a condo with kitchen&lanai in Waikiki, is available for one-night stays.

    Ideal for those who want to cook for themselves on their trip, students who want to share with friends to keep costs down, and families traveling together.
    ～ Short-term stay for 30 nights Good for those staying for a few months or while looking for a home when moving to Hawaii.


    1 night $ 175 ～ (depending on room type ） + TAX and cleaning fee

    30 night rate ＝ $ 3780 ～ $ 4968 + TAX and cleaning fee Including $ 4635.91 ～ $ 6037.30) Depends on room type and season.

    There are still rooms available for short term stays this month. If you would like to stay longer, please feel free to contact us.

    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    Parking is subject to availability, but for short term stays $ 30/night

    We are also looking for monthly parking ($ 230 ＋ TAX ） Please inquire. We are also looking forward to your reservation.

    Email: vacationrentals@startshawaii.com

    -------------------------------------------------------
    https://www.beachvillassuites.com/
    We also offer 1 night stay in Ilikai ～ and 6 nights in Ko Olina ～.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

    • Wanted / Life / Housing
    • 2024/06/20 (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)

    1 night~vacation rentals at Ilikai [Waikiki] ～ Recommended for travelers and short term students ！.

    Aloha

    Condo with kitchen&lanai in Waikiki near Ala Moana shopping center
    Ilikai is available for 1 night stay.
    This is a great option for travelers, for short term study for 1~2 weeks ～ for those staying for a few months, or for those who want to cook for themselves on their trip.

    1 night $ 150 ～ (depends on room type ） + TAX and cleaning fee

    2 bedroom $ 380~ capacity of 6 people

    Please feel free to contact us if you would like to stay longer consecutive nights.
    *Please note that we do not offer previews prior to your stay as this is not a long-term rental.
    One room has a capacity of 4 people, pets and smoking are not allowed.

    No parking included, please use nearby street parking or valet parking $ 45


    Email: vacationrentals@startshawaii.com
    -------------------------------------------------------

    https://www.beachvillassuites.com/
    Others Royal Kuhio （ Waikiki ） 1 night ～ and Ko Olina 6 nights ～ are also available.

    1953 S. Beretania St., Suite PH-C

    Last minute discount available ！ Please inquire 🌺

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

    アニュイティー　（個人年金：Annuity) について

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



    ANNUITY: A REVERSE BET!

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

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

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

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

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


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

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

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

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

    Hirata Consulting

    Are you prepared for your current and future life plans ？

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

    Hirata ・ Consulting Features


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

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

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


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

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

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

    Long-term care situation and long-term care insurance in Hawaii in an aging society

    Long-Term Care in Hawaii and Long-Term Care Insurance in an Aging Society

    We may not realize it when we are healthy, but at some point in our lives, we will need long-term care.　
    Long-term care insurance can help you in such a case.

    According to data from the National Association of Insurance Commissioners (NAIC™),]
    ＊ 70% of U.S. residents who have reached age 65 feel that they will need some type of long-term care at least once in their lives. feel that they will need some type of long-term care at least once in their lives.
    ＊ Of U.S. residents who have reached age 65, 35% feel that they will be in a nursing home at least once in their lives
    .
    ＊ A person at age 65 has an average of 19 ． 4 years （ remaining life expectancy for women 20 ． 6 years and 18 years for men ） The longer a person lives, the greater the need for
    nursing care, including chronic illness.

    [The cost of care when you need it ？ ] Data by NAIC
    ＊ Home Health Care (Home Care ） : Licensed Caregiver （ Certified Nurse Aid ） Home Health Care by
    ＝ $ 25/H x 6H x 5 days x 4 weeks = $ 3000 / month
    ＊ Assisted Living Facility （ Assisted ・ Living Facility ） ： As of 2018, monthly ＄ 4000, yearly ＄ 48000
    ＊ Nursing Home （ Nursing Home ） ： As of 2018 Annual ＄ 89 ， 297

    （ Note 1 ） Hawaii's cost of care is higher than other states.　
    （ Note 2 ） Japan's long-term care insurance system is administered by the government, but in the U.S., individuals must purchase their own insurance.
    （ Note 3 ） Medicare enrollees are covered for up to 100 days if coverage is approved, but the first 20 days are 100% covered,
    after that it is CO-PAY. Benefit Policy ( Long-term care insurance with a greater need than life insurance ）
    3 ． Stand - Alone Policy ( People who do not need life insurance but need long-term care insurance ）

    【 Two types of
    1 ． Reimbursement （ Reimbursement ） ： The insurance company generally pays
    claims directly to nursing homes for expenses deemed necessary for care.
    2 2 2 ． Cash Indemnity （ Cash ・ Indemnity ） ： 100% of the amount of the long-term care insurance policy is received by the person in cash from the insurance company and can be used for
    long-term care expenses or other purposes

    Long-term care insurance was introduced in the 1980s as the cost of long-term care rose, and Nationwide research shows that 74%
    of people in their 50s would like to live at home as long as possible in the future, but this is not always the case, depending on the person's wishes. However, there are those who cannot meet their wishes and those who have difficulty
    providing care at home.
    In addition, there are those for whom long-term care insurance is not suitable.　The average age for joining long-term care insurance is currently 59 years old.

    There are various cases, so if you have any questions, please feel free to contact us so that we can guide you according to your case.

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

    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.