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    • Useful info / Life / Housing
    • 2024/12/13 (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)

    If you have any questions about the latest Hawaii Association of Realtors information, please feel free to contact us.

    ！
    The Hawaii Lani Real Estate team will assist you in the purchase or sale of your property and provide you with the best service possible.


    Sell your current property and purchase your new property at the same time using capital gains tax planning,
    Buy an investment property using tax deferral,
    Sell a property in the mainland US, Maui or other islands after the sale of your property, or Purchase a property in Oahu after the sale of your property. We 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-deferral 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 we receive from our clients to their clients.
    We are very happy to meet new customers, and most of all, we are very happy that our customers are happy after a real estate transaction.


    Obtained a Hawaii State Real Estate License （ RA 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.


    Please feel free to contact Tomoko Kubiak for more information.
    Direct Phone Number ： 808 － 386 － 7984
    Email Address ： tomokohawaiifudosan@yahoo.com



    ★ Experienced in condominiums in Waikiki and Ala Moana neighborhoods, and also experienced in buying and selling properties in West Oahu.




    Please contact us by clicking "Contact Us" above or "Send Message" below.

    • Signature service / Restaurant / Gourmet
    • 2024/12/13 (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)

    This week's special is a mushroom cream croquette lunch box ！ ！.

    This week's special is Mushroom Cream Croquette Bento ！ ！
    All homemade, creamy inside and crispy outside
    Delicious and addictive. Repeaters keep coming back.
    Don't miss this opportunity.

    We make our bento with the freshest ingredients and put our heart and soul into it so that you can enjoy the delicious taste.
    Side dishes are also made by hand every day.
    Please try it!

    Sashimi bento, daily bento, and weekly bento are now on sale ！ ！
    Today's daily special is Bean-curd soup with red bean paste ！ ！
    We make egg and chicken bowls and sashimi bento upon order Please place your order ！ ！

    We use Kubota's freshly milled Japanese rice,
    "Niji no Kirameki".
    Enjoy freshly cooked rice.

    We also offer Sushi ＆ prepared dishes in our Sushi Corner, handmade by our artisans every day.
    Enjoy the professional taste.

    We are now having a sale to save the yen ！ ！
    We look forward to serving you.

    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
    • 2024/12/13 (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)

    Kubota's freshly milled Japanese rice is back in stock today ！ ！.

    We are now offering a discount sale ！ ！
    Freshly milled rice is in stock today ！ ！

    We import brown rice from Japan and polish it in Hawaii with the utmost care.
    Freshly milled Japanese rice.

    "Uonuma Koshihikari from Uonuma, Niigata Prefecture"

    "Koshihikari from Niigata Prefecture"

    " Natsuboshi from Hokkaido"

    "Niji no Kirameki from Ibaraki"

    Weak yen reduction sale continues ！ ！
    All at amazing prices! ！ ！
    Don't miss this opportunity ！ ！

    J-Shop's lunch boxes are made with Kubota's freshly milled rice,
    "Kirameki of the Rainbow
    freshly milled rice from Ibaraki Prefecture. Enjoy freshly cooked rice.


    In addition, 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 available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Event / Education / Lesson
    • 2024/12/12 (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)

    🌸 Wadaiko Eurhythmic KCC co-hosted classes begin!

    KCC(Kapiolani Community Collage)Kids Taiko Eurhythmic Class for 2025 ！
    The popular 2~4 year old taiko class is now accepting applications. ！
    We are now accepting reservations for the class starting in late February 2025.

    2-4 years old class
    ・ Kids love it!
    ・ Sensitivity is enriched
    ・ Sense of rhythm ・ Sense of sound is improved
    ・ Good for the brain
    ・ Exercise is provided
    ・ Parents' stress relief is also provided
    ・ I can play Japanese drums

    "Communication between parents and children has become easier ！"
    When we try to have time to learn with our children, we can strengthen the bond between parents and children and share fun feelings.
    And children can have a "sense of security" that they are loved by their parents, which increases their ambition more.
    Every Sunday at 9am
    45 minute class
    $ 150 (2/23-4/3 ） Applications open late Jan
    $ 150 (1/12/2025 Start class, full ！
    $ 150 (10/27～12/12) Fully booked ！ Thank you very much.
    Held at Kapiolani Community College!
    Free parking available at the school.
    For more information or to make a reservation, please feel free to contact Lucy in Japanese.
    (808)371-8910

    ハワイ幼児リトミックハワイ音楽教室リトミック太鼓リトミックハワイ太鼓教室ハワイピアノ教室幼児教育ハワイ幼児英才教育
    • Useful info / Life / Housing
    • 2024/12/11 (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)

    We can provide you with the market value of your real estate property and the latest real estate information from the WI Association of Realtors MLS. We look forward to hearing from you.

    ！
    The Hawaii Lani Real Estate team will assist you in the purchase or sale of your property and provide you with the best service possible.

    We can help you sell your current property and purchase your new property at the same time using capital gains tax planning,
    buy an investment property using the tax deferral system,
    or buy a property in the mainland US, Maui or other islands. We also have a lot of experience in buying properties on Oahu after selling properties on the U.S. mainland, Maui, and other islands, using tax deferral 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 25 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 their clients.
    We are very happy to meet new customers, and most of all, we are very happy that our customers are happy after a real estate transaction.


    Obtained Hawaii State Real Estate License （ RA 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 Tomoko Kubiak
    Direct Phone ； 808 － 386 － 7984
    Email ： tomokohawaiifudosan@yahoo.com




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




    Please contact us by clicking "Contact Us" above or "Send Message" below.

    • Useful info / Life / Housing
    • 2024/12/10 (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)

    If you have any questions regarding the latest information on the Hawaii Association of Realtors, please feel free to contact us.

    ！
    The Hawaii Lani Real Estate Team has over 25 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your property and buy your new property at the same time using the capital gains system,
    Buy an investment property using the tax deferral exchange,
    Buy a property in the mainland US, Maui or other islands. We have extensive experience in buying a property on Oahu after the sale of a property, using tax deferred exchanges.

    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 25 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 their clients.
    We are very happy to meet new customers, and most of all, we are very happy that our 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 and English ）
    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 / Gift / Shopping
    • 2024/12/10 (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)

    Kubota's freshly milled Japanese rice restocked today ！ ！

    We are now offering a discount sale ！ ！
    Freshly milled rice is in stock today ！ ！

    We import brown rice from Japan and polish it in Hawaii with the utmost care.
    Freshly milled Japanese rice.

    "Uonuma Koshihikari from Uonuma, Niigata Prefecture"

    "Koshihikari from Niigata Prefecture"

    " Yumepirika from Hokkaido"

    "Nanatsuboshi from Hokkaido"

    "Niji no Kirameki from Ibaraki"

    We are continuing the sale of reduced yen price ！ ！
    All the prices are amazing ！ ！
    Don't miss this opportunity ！ ！

    J-Shop's lunch box is made with Kubota's rice,
    freshly milled "Niji no Kirameki" rice from Ibaraki Prefecture.
    Enjoy freshly cooked rice.


    In addition, 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 available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Life / Housing
    • 2024/12/10 (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)

    If you have any questions regarding the latest information on the Hawaii Association of Realtors, please feel free to contact us.

    ！
    The Hawaii Lani Real Estate Team has over 25 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your property and buy your new property at the same time using the capital gains system,
    Buy an investment property using the tax deferral exchange,
    Buy a property in the mainland US, Maui or other islands. We have extensive experience in buying a property on Oahu after the sale of a property, using tax deferred exchanges.

    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 25 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 their clients.
    We are very happy to meet new customers, and most of all, we are very happy that our 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 and English ）
    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 ♪
    ↓

    • Event / Education / Lesson
    • 2024/12/08 (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)

    🌸 Wadaiko Eurhythmic KCC co-hosted classes begin!

    KCC Kids Taiko Eurhythmic Class for 2025 ！
    Our popular kids taiko class is now accepting applications. ！
    Reservations are now being accepted for classes starting in late February 2025.

    2-4 years old class
    ・ Kids love it!
    ・ Sensitivity is enriched
    ・ Sense of rhythm ・ Sense of sound is improved
    ・ Good for the brain
    ・ Exercise is provided
    ・ Parents' stress relief is also provided
    ・ I can play Japanese drums

    "Communication between parents and children has become easier ！"
    When we try to have time to learn with our children, we can strengthen the bond between parents and children and share fun feelings.
    And children can have a "sense of security" that they are loved by their parents, which increases their ambition more.
    Every Sunday at 9am
    45 minute class
    $ 150 (2/23-4/3 ） Applications open late Jan
    $ 150 (1/12/2025 Start class only few seats left
    $ 150 (10 /27～12/12/12) Fully booked ！ Thank you very much.
    $ 125 Summer Special Class: Fully booked ！ Thank you very much.
    $ 150 (9/8-10/13) Fully booked. Thank you very much.
    Held at Kapiolani Community College!
    Free parking available at the school.
    For more information or to make a reservation, please feel free to contact Lucy in Japanese.
    (808)371-8910

    ハワイ幼児リトミックハワイ音楽教室リトミック太鼓リトミックハワイ太鼓教室ハワイピアノ教室幼児教育ハワイ幼児英才教育
    • Useful info / Life / Housing
    • 2024/12/08 (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)

    Please feel free to contact us for the latest real estate information from the Hawaii Association of Realtors MLS or for questions about your property's market value.

    ！
    The Hawaii Lani Real Estate Team has over 25 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your property and buy your new property at the same time using the capital gains system,
    Buy an investment property using the tax deferral exchange,
    Buy a property in the mainland US, Maui or other islands. We have extensive experience in buying a property on Oahu after the sale of a property, using tax deferred exchanges.

    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 25 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 their clients.
    We are very happy to meet new customers, and most of all, we are very happy that our 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 and English ）
    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
    • 2024/12/07 (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)

    If you have any questions about your property market value or the latest real estate information from the Hawaii Association of Realtors, please feel free to 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 your 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.

    After purchasing a real estate property, we can manage the property according to your needs, and provide payment services for common expenses, insurance, taxes, etc.


    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 their clients.
    We are very happy to meet new customers, and most of all, we are very happy that our customers are happy after a real estate transaction.


    Obtained a Hawaii State Real Estate License （ RA 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 Tomoko Kubiak, direct line ： 808 － 386 － 7984.
    eMail ； tomokohawaiifudosan@yahoo.com






    ★ Expert in condos in the Waikiki and Ala Moana area, and also experienced in West Oahu property sales.




    Please contact us through [Contact Us] above or "Send Message" below.

    • Signature service / Restaurant / Gourmet
    • 2024/12/06 (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)

    This week's special is a mackerel lunch box ！ simmered in miso

    This week's special is a mackerel lunch box ！ ！
    The mackerel simmered in a thick miso sauce is unforgettable once you try it.
    Don't miss this opportunity.

    We prepare our bento with the freshest ingredients and put our heart and soul into it so that you can enjoy the taste of our fresh ingredients.
    Side dishes are also handmade daily.
    Please try it!

    Sashimi bento, daily bento, and weekly bento are now on sale ！ ！
    Today's daily special is Bean-curd soup with red bean paste ！ ！
    We make egg and chicken bowls and sashimi bento upon order Please place your order ！ ！

    We use Kubota's freshly milled Japanese rice,
    "Niji no Kirameki".
    Enjoy freshly cooked rice.

    We also offer sushi ＆ prepared dishes in our sushi corner, handmade by our artisans every day.
    Enjoy the professional taste.

    We are now having a sale to save the yen ！ ！
    We look forward to serving you.

    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
    • 2024/12/06 (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)

    Kubota's freshly milled Japanese rice in stock today ！ ！

    We are now offering a discount sale ！ ！
    Freshly milled rice is in stock today ！ ！

    We import brown rice from Japan and polish it in Hawaii with the utmost care.
    Freshly milled Japanese rice.

    "Uonuma Koshihikari from Uonuma, Niigata Prefecture"

    "Koshihikari from Niigata Prefecture"

    " Yumepirika from Hokkaido"

    "Nanatsuboshi from Hokkaido"

    "Niji no Kirameki from Ibaraki"

    We are continuing the sale of reduced yen price ！ ！
    All the prices are amazing ！ ！
    Don't miss this opportunity ！ ！

    J-Shop's lunch box is made with Kubota's rice,
    freshly milled "Niji no Kirameki" rice from Ibaraki Prefecture.
    Enjoy freshly cooked rice.


    In addition, 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 available
    (808) 200-5076

    J-Shop Hours
    Monday-Saturday 10 ： 00-18 ： 00
    J-Shop Tavern Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Event / Education / Lesson
    • 2024/12/05 (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)

    🌸 Wadaiko Eurhythmic KCC co-hosted classes begin!

    KCC Kids Taiko Eurhythmic Class for 2025 is now accepting applications ！
    Our popular kids taiko class is now full. ！
    We are now accepting reservations for classes starting in late February 2025.

    2-4 years old class
    ・ Kids love it!
    ・ Sensitivity is enriched
    ・ Sense of rhythm ・ Sense of sound is improved
    ・ Good for the brain
    ・ Exercise is provided
    ・ Parents' stress relief is also provided
    ・ I can play Japanese drums

    "Communication between parents and children has become easier ！"
    When we try to have time to learn with our children, we can strengthen the bond between parents and children and share fun feelings.
    And children can have a "sense of security" that they are loved by their parents, which increases their ambition more.
    Every Sunday at 9am
    45 minute class
    $ 150 (2/23-4/3 ） Applications open late Jan
    $ 150 (1/12/2025 Start class only few seats left
    $ 150 (10 /27～12/12/12) Fully booked ！ Thank you very much.
    $ 125 Summer Special Class: Fully booked ！ Thank you very much.
    $ 150 (9/8-10/13) Fully booked. Thank you very much.
    Held at Kapiolani Community College!
    Free parking available at the school.
    For more information or to make a reservation, please feel free to contact Lucy in Japanese.
    (808)371-8910

    ハワイ幼児リトミックハワイ音楽教室リトミック太鼓リトミックハワイ太鼓教室ハワイピアノ教室幼児教育ハワイ幼児英才教育
    • Signature service / Restaurant / Gourmet
    • 2024/12/05 (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 Bento, sushi, prepared foods, handmade daily ！ ！.

    At the Shop, we put our heart and soul into making our bento boxes so that you can enjoy the fresh ingredients.
    Side dishes are also made by hand every day.
    Please try it!

    Sashimi bento, daily bento and weekly bento are now on sale ！ ！
    Egg bowls, oyakodon and sashimi bento are made to order, so please order
    ！ ！

    The rice is made from freshly milled Kubota Japanese rice,
    "Rainbow Glitter", Kubota's freshly milled Japanese rice, is used.
    Enjoy freshly cooked rice.

    We also offer sushi ＆ prepared dishes in our sushi corner, handmade by our artisans every day.
    Enjoy the professional taste.

    We are now having a sale to save the yen ！ ！
    We look forward to serving you.

    1513 Young St Honolulu, HI 96826
    Parking space available
    (808) 200-5076

    J-shop hours
    Monday - Saturday 10 ： 00-18 00
    J-Shop Izakaya Business Hours
    Tuesday-Saturday 17 ： 30-21 ： 00

    • Useful info / Finance / Insurance
    • 2024/12/05 (Thu)

    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
    • 2024/12/05 (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)

    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
    • 2024/12/05 (Thu)

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    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
    • 2024/12/05 (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)

    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
    • 2024/12/05 (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)

    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.