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    • 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.

    • 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)

    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
    • 2024/06/03 (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)

    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.

    • Signature service / Restaurant / Gourmet
    • 2024/06/05 (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)

    Special sea urchin course for June only.

    ＼ We have prepared a luxurious sea urchin course for June only ／

    Starting with appetizer, sea urchin tempura and steamed rice in a bowl ・ ・ 12 dishes in total ♪

    The special sea urchin course is available by reservation only. Please contact us for more information on how to make a reservation.


    1. Reservation method

    ■ For reservation by phone
    +1 (808) 376-0928

    ■ For web reservation
    https://www .akira-japanese-restaurant.com/reservations

    The course is limited until the end of June ！
    We look forward to seeing you soon.

    日本食日本ウニ海鮮Japanese
    • Signature service / 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)

    Buying ・ Selling ・ Managing Hawaii Real Estate with Fogarty Real Estate ！

    Fogarty Realty has been in the Hawaii real estate business since 1974. In 2014, Ginny was awarded the Emeritus ・ Realtor （ Honorary Realtor Award ） by both the National Association of Realtors and the Honolulu Association of Realtors for her many years of service.
    Today, we continue to follow in the footsteps of our predecessors and are committed to helping you meet your needs while sharing our more than 50 years of Hawaii real estate knowledge and experience with you honestly.
    Please feel free to contact us anytime without hesitation or worry.

    ～ Services ～

    ■ Buying
    We can help you buy a Hawaii home at the right price to fit your budget. Our experienced agents will help you find your dream home that meets your needs.

    ■ Selling
    We can help you sell your Hawaii property at the right price for you. Our experienced agents will also assist you in finding the next property that meets your needs.

    ■ Management
    Since our inception, our motto has been to put trust and customer first. We will protect your valuable real estate.


    Please feel free to contact us in Japanese.

    • Event / Education / Lesson
    • 2024/05/27 (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)

    Piano Lesson

    ！
    ① : We offer a variety of piano lessons for everyone who wants to improve their piano skills : From children to adults, you can enjoy and improve your skills with lessons tailored to each individual.
    Step up with fun through various events such as Halloween and Christmas season recitals and in-studio competitions ！

    ② : We have opened lessons for kids with a view to challenging internationally renowned music competitions and global success. We have opened a new course for kids. With our high-level instructors, let's aim for the big stage such as Walt Tisney Hall in LA and Carnegie Hall in NY ！


    Please feel free to contact us for more details.

    Located right near Ala Moana Shopping Center. 8th floor of Kapiolani Gyukaku building. Parking is available.

    Other new classes are coming soon: Eurhythmic （ English Class ）, Senior Class, Ukulele Beginner Class, Sound Healing, DTM （ Computer Digital Music Production ） and more ！.

    • Event / Education / Lesson
    • 2024/05/28 (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)

    Saxophone lessons are now available ！.

    Saxophone lessons will be offered ！ All levels. Children and adults of any age are welcome. Lessons are available in Japanese or English.
    We also help with instrument rental.
    Please feel free to contact us.

    Located right near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
    （ Paid parking available. 20min $ 1, 60min $ 3)

    Other classes include Eurhythmic （ English Class ） , Senior Class, Beginner Ukulele Class, Sound Healing, DTM （ Computer Digital Music Production ） and many more new classes ！.

    • Event / Education / Lesson
    • 2024/05/29 (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)

    Gospel class students wanted ！.

    Gospel Class ！ All levels, mainly in their 30's to 50's, people of all ages enjoy music in a friendly atmosphere ！
    Lessons do not use any sheet music, so even those who have never been exposed to music can feel free to start.
    We do not use any sheet music in our lessons.
    Please feel free to contact us at
    musicstudioinquiry@gmail.com, or via Vivinavi.


    Located near Ala Moana Shopping Center. Kapiolani Gyukaku building, 8th floor.
    （ Paid parking available next to the office il. \cHB9.5}

    Gospel class students wanted!

    • Event / Education / Lesson
    • 2024/05/30 (Thu)

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

    Cello lessons will start ！.

    Cello lessons are now available ！ All levels. Children and adults of any age are welcome. You can progress rapidly with fun lessons.
    We can also help you with instrument rental.
    Please feel free to contact us.

    Located near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
    （ Paid parking available. 20min $ 1, 60min $ 3)

    Other classes include Eurhythmic （ English Class ） , Senior Class, Beginner Ukulele Class, Sound Healing, DTM （ Computer Digital Music Production ） and many more new classes ！.

    ピアノ教室ピアノレッスン幼児リトミックハワイ音楽教室ベビーリトミック
    • Event / Education / Lesson
    • 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)

    Piano Lesson

    ！
    ① : We offer a variety of piano lessons for everyone who wants to improve their piano skills : From children to adults, you can enjoy and improve your skills with lessons tailored to each individual.
    Step up with fun through various events such as Halloween and Christmas season recitals and in-studio competitions ！

    ② : We have opened lessons for kids with a view to challenging internationally renowned music competitions and global success. We have opened a new course for kids. With our high-level instructors, let's aim for the big stage such as Walt Tisney Hall in LA and Carnegie Hall in NY ！


    Please feel free to contact us for more details.

    Located right near Ala Moana Shopping Center. 8th floor of Kapiolani Gyukaku building. Parking is available.

    Other new classes are coming soon: Eurhythmic （ English Class ）, Senior Class, Ukulele Beginner Class, Sound Healing, DTM （ Computer Digital Music Production ） and more ！.

    • Event / Education / Lesson
    • 2024/06/01 (Sat)

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

    Saxophone lessons are now available ！.

    Saxophone lessons will be offered ！ All levels. Children and adults of any age are welcome. Lessons are available in Japanese or English.
    We also help with instrument rental.
    Please feel free to contact us.

    Located right near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
    （ Paid parking available. 20min $ 1, 60min $ 3)

    Other classes include Eurhythmic （ English Class ） , Senior Class, Beginner Ukulele Class, Sound Healing, DTM （ Computer Digital Music Production ） and many more new classes ！.

    • Event / Education / Lesson
    • 2024/06/02 (Sun)

    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)

    Eurhythmic class students wanted!

    🌺 Experience the joy of music and rhythm ！ Renee's Music Studio offers rhythmic classes for children starting at 9:30 am.

    Conveniently located in Ala Moana, we offer a fun time to nurture children's sensitivity and creativity.

    Eurhythmics allows children to move freely to music and helps them develop their concentration ・ memory ・ and judgment. Join us now ！

    #Litmics #Music School for Kids #Ala Moana #Hawaii Music School

    リトミック音楽教室習い事音楽子供習い事
    • Event / Education / Lesson
    • 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)

    Gospel class students wanted ！.

    Gospel Class ！ All levels, mainly in their 30's to 50's, people of all ages enjoy music in a friendly atmosphere ！
    Lessons do not use any sheet music, so even those who have never been exposed to music can feel free to start.
    We do not use any sheet music in our lessons.
    Please feel free to contact us at
    musicstudioinquiry@gmail.com, or via Vivinavi.


    Located near Ala Moana Shopping Center. Kapiolani Gyukaku building, 8th floor.
    （ Paid parking available next to the office il. \cHB9.5}

    Gospel class students wanted!

    • Event / Education / Lesson
    • 2024/06/04 (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)

    Cello lessons will start ！.

    Cello lessons are now available ！ All levels. Children and adults of any age are welcome. You can progress rapidly with fun lessons.
    We can also help you with instrument rental.
    Please feel free to contact us.

    Located near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
    （ Paid parking available. 20min $ 1, 60min $ 3)

    Other classes include Eurhythmic （ English Class ） , Senior Class, Beginner Ukulele Class, Sound Healing, DTM （ Computer Digital Music Production ） and many more new classes ！.

    ピアノ教室ピアノレッスン幼児リトミックハワイ音楽教室ベビーリトミック
    • Event / Education / Lesson
    • 2024/06/05 (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)

    Piano Lesson

    ！
    ① : We offer a variety of piano lessons for everyone who wants to improve their piano skills : From children to adults, you can enjoy and improve your skills with lessons tailored to each individual.
    Step up with fun through various events such as Halloween and Christmas season recitals and in-studio competitions ！

    ② : We have opened lessons for kids with a view to challenging internationally renowned music competitions and global success. We have opened a new course for kids. With our high-level instructors, let's aim for the big stage such as Walt Tisney Hall in LA and Carnegie Hall in NY ！


    Please feel free to contact us for more details.

    Located right near Ala Moana Shopping Center. 8th floor of Kapiolani Gyukaku building. Parking is available.

    Other new classes are coming soon: Eurhythmic （ English Class ）, Senior Class, Ukulele Beginner Class, Sound Healing, DTM （ Computer Digital Music Production ） and more ！.

    • Event / Education / Lesson
    • 2024/06/06 (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)

    Saxophone lessons are now available ！.

    Saxophone lessons will be offered ！ All levels. Children and adults of any age are welcome. Lessons are available in Japanese or English.
    We also help with instrument rental.
    Please feel free to contact us.

    Located right near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
    （ Paid parking available. 20min $ 1, 60min $ 3)

    Other classes include Eurhythmic （ English Class ） , Senior Class, Beginner Ukulele Class, Sound Healing, DTM （ Computer Digital Music Production ） and many more new classes ！.

    • Event / Education / Lesson
    • 2024/06/07 (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)

    Eurhythmic class students wanted!

    🌺 Experience the joy of music and rhythm ！ Renee's Music Studio offers rhythmic classes for children starting at 9:30 am.

    Conveniently located in Ala Moana, we offer a fun time to nurture children's sensitivity and creativity.

    Eurhythmics allows children to move freely to music and helps them develop their concentration ・ memory ・ and judgment. Join us now ！

    #Litmics #Music School for Kids #Ala Moana #Hawaii Music School

    リトミック音楽教室習い事音楽子供習い事
    • Event / Education / Lesson
    • 2024/06/08 (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)

    Gospel class students wanted ！.

    Gospel Class ！ All levels, mainly in their 30's to 50's, people of all ages enjoy music in a friendly atmosphere ！
    Lessons do not use any sheet music, so even those who have never been exposed to music can feel free to start.
    We do not use any sheet music in our lessons.
    Please feel free to contact us at
    musicstudioinquiry@gmail.com, or via Vivinavi.


    Located near Ala Moana Shopping Center. Kapiolani Gyukaku building, 8th floor.
    （ Paid parking available next to the office il. \cHB9.5}

    Gospel class students wanted!

    • Event / Education / Lesson
    • 2024/06/09 (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)

    Cello lessons will start ！.

    Cello lessons are now available ！ All levels. Children and adults of any age are welcome. You can progress rapidly with fun lessons.
    We can also help you with instrument rental.
    Please feel free to contact us.

    Located near Ala Moana Shopping Center. On the 8th floor of the Kapiolani Gyukaku building.
    （ Paid parking available. 20min $ 1, 60min $ 3)

    Other classes include Eurhythmic （ English Class ） , Senior Class, Beginner Ukulele Class, Sound Healing, DTM （ Computer Digital Music Production ） and many more new classes ！.

    ピアノ教室ピアノレッスン幼児リトミックハワイ音楽教室ベビーリトミック
    • Event / Education / Lesson
    • 2024/06/10 (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)

    Piano Lesson

    ！
    ① : We offer a variety of piano lessons for everyone who wants to improve their piano skills : From children to adults, you can enjoy and improve your skills with lessons tailored to each individual.
    Step up with fun through various events such as Halloween and Christmas season recitals and in-studio competitions ！

    ② : We have opened lessons for kids with a view to challenging internationally renowned music competitions and global success. We have opened a new course for kids. With our high-level instructors, let's aim for the big stage such as Walt Tisney Hall in LA and Carnegie Hall in NY ！


    Please feel free to contact us for more details.

    Located right near Ala Moana Shopping Center. 8th floor of Kapiolani Gyukaku building. Parking is available.

    Other new classes are coming soon: Eurhythmic （ English Class ）, Senior Class, Ukulele Beginner Class, Sound Healing, DTM （ Computer Digital Music Production ） and more ！.