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    • Event / Education / Lesson
    • 2024/06/17 (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)

    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
    • 2024/06/18 (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)

    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
    • 2024/06/19 (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)

    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
    • 2024/06/20 (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)

    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
    • 2024/06/21 (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)

    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
    • 2024/06/22 (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)

    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
    • 2024/06/23 (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)

    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
    • 2024/06/24 (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)

    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
    • 2024/06/25 (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)

    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 ！.

    • 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.

    • 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
    • Introduction / Fashion / Apparel
    • 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)

    Matching shirts are also very popular ！ Aloha shirt for dogs ★ Carefully sewn with Hawaiian fabric ♪

    Moomoo Rainbow sells colorful and cute Hawaiian fabric dog shirts ！
    perfect souvenirs for your return ♪
    matching aloha shirts for owners are also available ！


    Hawaiian
    Made with authentic Hawaiian shirt fabric by Princess Kaiulani Fashion, a well-established brand that makes custom-made dresses.
    Available in a wide range of sizes from XS to L. ♪
    Please let us know your dog's breed and weight at the store and our staff will prepare the perfect size for you ！

    Available at our Waikiki store and online store
    We also ship to Japan.


    [Waikiki Store]
    2270 Kalakaua Ave. #1105
    Waikiki Shopping Plaza 11F

    [Online Shop]
    http://muumuu- outlet.com



    Muumuu Rainbow
    2270 Kalakaua Ave. #1105
    Honolulu, HI 96815
    TEL:808-921-8118

    • Introduction / Fashion / Apparel
    • 2024/06/24 (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)

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

    Moomoo Rainbow also has a rental brand called Lydia Hawaii
    Affordable wedding dresses, party dresses and tuxedos ！

    Wedding dresses ＆ Tuxedos are very popular for photo shoots ！

    Colorful cocktail and party dresses are often used for prom.

    You can also check our dress catalog on our website ♪

    http://lidiahawaii.com Japanese site
    https://hawaiidressrentals.com English site

    Muumuu Rainbow
    2270 Kalakaua Ave. #1105
    Honolulu, HI 96815
    TEL:808-921-8118

    • Problem solution / 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)

    Preparation for various English language qualifications ！.

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

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

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

    Preparation for various English language qualifications examinations

    Local school supplementary lessons, elementary ・ middle ・ high school university local school entrance examination preparation, Japanese elementary ・ middle ・ high school Preparation for university entrance exams, English conversation, English grammar.
    In addition to these, we cover various qualifications [Eiken/TOEFL/TOEIC/GRE/SSAT/SAT etc.], essay writing, translation, etc.

    You can take TOEFL and TOEIC practice tests as well as Japanese exam preparation practice tests.
    We will suggest this when we see the time of year and decide that it would be better for the individual student to take it, but
    We will be happy to accommodate requests from families, so please feel free to contact us.


    Please feel free to request a free initial consultation.
    For more information about our system and other details, please visit our website.
    http://www.focuslabo.com （ Japanese language only)
    http://www.focuslabo.com/en （ English ）

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

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

    家庭塾補習資格受験
    • Problem solution / Education / Lesson
    • 2024/06/09 (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)

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

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

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

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

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

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

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

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

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

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

    家庭塾補習資格受験
    • Problem solution / Education / Lesson
    • 2024/06/19 (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)

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

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

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

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

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

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

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

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

    No registration fee (usually $ 60€)

    家庭塾補習資格受験
    • 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.