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| 1. | Montessori Community School's Acceptance Examinati...(10kview/48res) | Free talk | 2026/01/16 15:43 |
|---|---|---|---|
| 2. | Punahou and Iolani Kinder Number of examinees(22kview/131res) | Free talk | 2026/01/14 09:12 |
| 3. | The admissions process for a school called HBA (Ha...(2kview/11res) | Free talk | 2026/01/14 08:50 |
| 4. | About the contents of the mobile company iphone 17...(1kview/5res) | Free talk | 2025/10/28 13:40 |
| 5. | Chan number and M, why the trouble ?.(4kview/11res) | Free talk | 2025/10/23 02:10 |
| 6. | About the driving morale of Hawaii drivers.(2kview/13res) | Free talk | 2025/09/18 23:46 |
| 7. | A strange story I experienced in Hawaii.(999view/1res) | Free talk | 2025/09/01 23:28 |
| 8. | About Condominium Insurance(997view/5res) | Free talk | 2025/08/28 09:43 |
| 9. | Replacing iPhone12mini with iPhone16pro and consid...(853view/4res) | Free talk | 2025/08/21 17:04 |
| 10. | The top 10 states where you need the least and mos...(1kview/6res) | Free talk | 2025/07/07 09:41 |
Montessori Community School's Acceptance Examinations
- #1
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- お受験ママ
- 2025/02/02 09:36
We moved to Hawaii from the Bay Area last May and have two children, our oldest is now 3.5 years old and our youngest is 1.5 years old.
I was interested in Montessori education before my children were born, and while researching, I heard that
Montessori Community School in the Makiki area is a wonderful school. I saw that over 95% of the students go to Iolani or Punahou each year
through the Feeding School to Iolani or Punahou schools.
I know that it is very difficult to get into Montessori Community School as there are several topics on this site.
I would like to enroll my oldest son from Kinder and my youngest son from Pre, what should I do to prepare for the entrance exam?
We would like to know what kind of education and preparation you have done for your son who is currently attending the school.
We have contacted the school and are afraid that the admission rate is quite high.
My two sons will be living in Hawaii for at least 10 years, so I am hoping that they will be able to attend Iolani School or Punahou School in the future
We are hoping to attend Montessori Community School. I heard that another school, Hana Hau'oli, is also a feeding school, but
I heard that you have to have some kind of connection such as family connection or working to get in, but I have given up because I have no connections in Hawaii.
I would appreciate any information you can give me if you have taken the test for Puri or Kinder.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)
- #45
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I used to pass Punahou and Iolani 90% of the time …
I say used to be until about 5 years ago.
My daughter went to another pre and failed the Punahou and Iolani kinder exams and got into MCS kinder. …
The facilities are so low level for a school facility that it could be said that there is nothing there.
It was certainly an elementary school full of brothers and sisters. lol
However, when my daughter was there, the academic side was highly rated and most of the kids went to Punahou from the middle. …
Now Elementary has a new teacher and the number of teachers and students is much smaller. The number of elementary students is probably half of what it was seven years ago. There seems to be a lot of preschoolers.
Academically, it's not so good. They used to announce how many students applied to each school and how many were accepted, but three years ago, they stopped disclosing this information. The reason why it can no longer be made public is because of declining results, right?
I don't want to speak ill of the school, as it is my daughter's alma mater, but I don't think Montessori education applies to Elementary at all. The multi-age classes and three grades together are completely disregarded in terms of academic level.
Academic levels are noticeably worse than they were seven years ago.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)
- #46
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I used to send my children to a preschool 6 years ago in Corona. It seems that preschools are still very popular.
The reason is, like you, that the number of students is too small and it is important for children to learn a lot from their friends who are the first generation.The reasons are the same as yours, too few students, only 8 students in the same grade at the most important time for children to learn a lot from their friendships, and too few facilities for several years of elementary school.
Many students from MCS go to public kinder and elementary schools. ! Conversely, few students from MCS preschool and kinder go to Punahou and Iolani.
Six years ago, MCS Preschool was very good.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)
- #47
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Let me take a flight. I think I will go to another school since there is no Montessori from Middle, but I heard from an MCS student that only 3 of the 9 graduates from 2025 were accepted to Punahou. I wonder what the difference is, the website says 78% from Middle to Punahou, while only 30% were accepted in 2025.
What is the actual situation?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)
- #48
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Now MCS has not passed 78% of the Punahou.
The pass rate has been slowly declining for the past few years and finally last year there were 3 students.
The 78% is listed for the past 5 years, but it is not an accurate percentage because the school stopped publishing it after the pass rate started dropping. Now only 30%~40% are passing.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)
- #49
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# Thank you, 48.
I still think 78% is strange. I thought it was strange because they stopped announcing it on their website and the percentage didn't change even though only 3 out of 9 students were accepted. 30%? I was wondering if I should send my daughter to Pre, but I will consider it ! Thank you for the accurate information.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)
Punahou and Iolani Kinder Number of examinees
- #1
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- Waikiki
- 2025/02/21 17:00
Hello.
I am thinking of applying for my child to take the Kinder exam this fall.
I was wondering if anyone knows how many people have taken the Punahou and Iolani Kinder exams in the last few years?
I understand that the Kinder exam is the most difficult.If you are taking the Middle exam, there is a test and a score bar, so I think it is fair and people who are not at that level may not take the exam. Please let me know. 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)
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- #128
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Iolani finally got under 400 students
As someone who will be taking the test next year, I'm glad to see that the ratio has decreased.
Punahou is my first choice, but if I get in, I am hoping that both schools are good.
I know that Punahou and Iolahou have the same available birthdays from this year.
Iolani seems to have 40 people and waitlists, so I have high hopes !
Even so, 693 people at Punahou was a surprise, and I applaud the kids who got in ! I thought 550 people failed, which is horrible … almost everyone failed.
The kids who got both Punahou and Iolani are … well, they are geniuses !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)
- #129
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# 127 Puna
Punahou had a "June - August" birthday set long before last year. My son is a 3rd grader now, and he already had the same birthday set at that time.
Iolani has been adjusting to Punahou since this year.
I was lucky that the number of examinees was reduced due to the Korona disaster when my son was there ! but the number of examinees was over 500.
My younger daughter took the Kinder exam last year, and I remember being surprised on the day of the group exam by the surprisingly large number of people who took the exam.
As a result, it was a fierce battle of 693 applicants, and we thought we might do well since our oldest son is already in Punahou, but unfortunately
our oldest daughter didn't even make the wait list. It's a harsh reality!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)
- #130
-
We were able to confirm last year's Kinder exam details for your reference !
Punahou had 150 successful applicants, 20 waitlisted, and 693 examinees.
Iolani had 96 successful candidates, 40 waitlisted, and 403 examinees.
These numbers are from last year's Kindergarten ( Kindergarten ) entrance exam. Acceptance ・ information that was officially shared with waitlist families and is a reliable number ( The number of waitlisted students was also included in the waitlist notification email ).
Including waitlist numbers :
• Punahou : 150 + 20 = 170 total slots
• Iolani : 96 + 40 = 136 total slots
Recruitment Although the number of slots themselves is not significantly different, Punahou has a much higher number of applicants, which means that the acceptance rate is lower and competition is more intense.
Last year, Punahou passed 4 students from the waitlist and Iolani passed 16 students from the waitlist.
Both schools had very competitive admissions.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)
- #131
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I went to the Iolani group exam the other day. I was told that there were still less than 400 people taking the exam and that last year about 20 people were moved up from the waitlist.
When my older son took the exam last year, he said that only about 10 waitlisted students were moved up each year, so
the child who started attending Kinder this August, who passed both Punahou and Iolani, had a much higher percentage of Punahou choices. The Iolani admissions people were truly surprised that there were less than 400 test takers and
that there were 20 advanced admissions. Was the Iolani boom over after about 2 years? Also, as others have mentioned, the 90% Asian race rate was not a lie. Probably 70% Chinese ( Chinese, Taiwanese, Hong Kong ) and 20-25% Korean, Japanese, Vietnamese, Filipino. For your information.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)
- #132
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We also took the Kinder exam last year. We sent our child to a preschool where they were told they had a good chance of getting into Punahou Iolani Kinder.
I did it with a tutor for a year and a half, but neither Punahou nor Iolani was able to make the alternate list. I was very depressed, but from there I started looking for a private school that would accept me. After being rejected from Punahou and Iolani, I contacted HBA and Merinole and was told that both schools had finished announcing their acceptances but had openings, so I went to see the schools.
Kinder, Punahou and Iolani are the only top 2 schools that are competitive. There are many schools that you can get into after Punahou and Iolani are announced. To be honest, I was surprised.
I was disappointed with the results of the Kinder exam, but the one year experience was a great experience for me and my child to work towards a goal together for the first time. We decided not to go to HBA or Merinol, but to go to Public, and we will continue to work together with our child for the 4th exam.
If Punahou had 550 applicants who didn't get into Kinder, I'm convinced that it's too narrow a field for us. I know the pressure is on, but I just want my child to go to the school he wants to go to.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)
The admissions process for a school called HBA (Hawaii Baptist Academy)
- #1
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- Winter
- 2025/11/08 12:14
Nice to meet you. I have been looking with interest at the Punahou and Iolani topics here.
I am planning to apply for Kinder next year.
I started tutoring and Tutor this month, but I don't think I can handle Punahou and Iolani, even though I am a child myself.
So I talked to the Tutor people and they told me about a school called HBA.
Academically, it seems to be at the same level academically as Mid-Pac and Merinole.
If anyone has attended or has attended there, please give me some information as I am not sure if it is a good idea to look at the website or something else.
We are considering this school because the entrance exam does not seem to be competitive like Punahou or Iolani.
Thanks in advance.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)
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- #8
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We also easily got into HBA from the middle school.
Elementary was Wai'alae, so I was not a very good student, but I could easily get in from Wai'alae without any tutoring or cramming. But HBA, Merinole, and St. Louis are almost impossible to fail if you only submit an application. Don't worry.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)
- #9
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As an addendum, Montessori Community School also admits anyone from Kinder. It is said that every year about 20-30 students are accepted from Kinder, but only one is admitted or not.
Currently, the school said that there are not 10 students per grade level. Moreover, they divide the under 10 students into two classes, so there are less than 5 students in the same grade. I declined because the number of students is too small for my child's education, academic competitiveness, and non-academic nurturing environment, but Kinder and Elementary are one of the schools that you can get into if you apply. Pre is very popular and seems to be hard to get into.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)
- #10
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Last year my son was accepted to a Montessori community school, Kinder. About 13 people from my son's pre took the test and all were accepted, but none of them were admitted.
The reason is still the facilities in the school building are almost nothing. There is no library, no music, no art, not even a schoolyard, and the place to do PE is in a small concrete space ? parking ?. The public facilities are better than the private ones and the school is not worth paying for the private ones.
I think that's why the number of students is quite small. …
They claim to be multi-age, but I heard from a parent of a 3rd grader who lives in the same townhouse that unless they are multi-age, there are only 7 students in each grade, and they are all elementary students with siblings.
I heard that until around the time of the Corona Disaster, the percentage of students who passed Punahouiolani was 80%, but in the last few years, the school stopped announcing the number of students who passed Punahouiolani because of the decline in academic performance, with only 2 or 3 students passing Punahouiolani.
He said that has had quite an impact on the school, and that the facilities, coupled with the public and below, have made it a school where everyone from Kinder is accepted.
We turned down both HBA and Montessori and went with another private. You should do a lot of solid research !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)
- #11
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Monte I see it's like that
Preschool seems to be very popular, but surely not having a schoolyard is critical for elementary school students, or even an indispensable place. The same goes for libraries and music rooms. Lots of things essential to childhood education are lacking as facilities.
Why is Monte's preschool so popular?
As for HBA, my brother is a graduate of HBA, and it is just about the Hawaii average in terms of academics, nothing too good, nothing too bad. My brother told me that many families have lived in Hawaii for a long time.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)
- #12
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We also took the Kinder exam two years ago.
I was a tutor for a year, but I did not get into Punahou or Iolani, even though I was an alternate. We also contacted HBA after we were rejected from Punahou and Iolani and were told that there were openings and we could enroll. I went to see the school and found it to have a unique atmosphere. I was told that the same was true for Merinol and that I could get in right away.
For Kinder, only the top two schools, Punahou and Iolani, are competitive, and the others are always recruiting. There are many schools where you can get in after the announcement of Punahou and Iolani acceptance without any rush. I was surprised.
I was disappointed with the results of the Kinder exam, but the one year experience was a great experience for me and my child to work towards a goal together for the first time. We did not get into HBA or Merinol, but Public, and we will be working hard together again for the 4th exam.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)
About the contents of the mobile company iphone 17 free
- #1
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- sweet
- 2025/10/23 13:02
Hello. I am using
AT&T with a 5 year contract. I am currently paying $ 62 per month. ( Unlimited Plan)
My iphone12 contracted with AT&T 5 years ago is getting old and I want to replace it, but when I was looking at the iPhone17 $ 0 36months......... and saw
an ad on a website that said.
Does this mean I can get a free upgrade to iphone17 if I have a contract for more than 36 months ?
Which is a better deal, buying it at Apple store and re-signing with AT&T for Prepaid Plan ( 20 per month $ )? Which is more economical to re-sign up with a
I don't understand English very well, I couldn't fully understand it using a translation site, and I'm not confident that I can go to AT&T and understand English, so I'm posting this topic.
If you can help me, please let me know if I can get a new contract with T-mobile or Spectrum and change the model, or if the plan is more beneficial.
please !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)
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- #2
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If you want to change your phone, it is wise to buy an unlocked phone from an Apple store if you want to buy an iPhone
because you are bound by a contract if you buy from the phone company. The same goes for Android.
You can use any sim.
In other words, buying at a phone company's store is a trick and a tie.I'm surprised that people still don't know this stuff. 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)
- #6
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Thank you for telling me.
I made a question topic in ? ? at the word iphone17 free.
We don't mind the contract terms at all. I just wanted to know if I can get a
new iPhone17 for only $ 62/month that I am paying now if I continue
with my 36months contract again.
# 3 Eh ? Thank you
for your kind words.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)
Chan number and M, why the trouble ?.
- #1
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- morrys
- 2025/05/03 21:44
We were such good friends
Why is that ??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)
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- #7
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- 新
- 2025/08/13 (Wed) 16:22
- Report
I think Mr. Mori is too unique
and there were some misunderstandings.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)
- #9
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- Mekealoha
- 2025/08/31 (Sun) 23:33
- Report
I watched youtube and confirmed it. Good luck to both of you.
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)
- #10
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- Yoshie
- 2025/09/28 (Sun) 23:51
- Report
I hope they make up.
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)
- #11
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#6 UFJ, that's really it
I think you have a lot more to think about.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)
- #12
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- こちかめ
- 2025/10/23 (Thu) 02:10
- Report
I, too, wanted to know why we fought, but I'll think about something else more.
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)
About the driving morale of Hawaii drivers.
- #1
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- KAN
- 2025/08/26 12:22
I'm actually a full time UBER driver, and I've been rear-ended 4 times in the last year alone.
I drive mainly at night, and I've been rear-ended twice lightly, once moderately, and once enough to get me out of the car.
Moreover, all four times the other party had no car insurance, and one of them was an idiot who was driving around without even having a car license.
What they all had in common was that they thought they had no way to get money from those who didn't have it, and they had an unfaithful attitude that said, "I don't give a damn about social responsibility.
In Hawaii, where there are so many people who have grown up without any higher education, I was exhausted just thinking about living and coexisting with such people in the same small society.
I am still driving UBER, but the sound of the violent collision from behind keeps on leaving a traumatic impression on my brain.
So, I would like to ask everyone if anyone has experienced frequent rear-end collisions while driving ?
I would be very grateful if you could share your experiences with me.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)
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- #10
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- にゃんこズ
- 2025/09/13 (Sat) 14:05
- Report
This may sound funny, but I always check the car behind me and if I stop and I think the car behind me is going too fast, I pump the brakes. And I always keep a good distance from the car in front of me. I would be so angry if I was rear-ended. And it scares me.
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)
- #11
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- つぶあん
- 2025/09/16 (Tue) 21:01
- Report
I have lived in Hawaii for 10 years.
I have been thinking exactly the same thing lately. In all the decades I have lived in Japan, I have never seen a car accident, but in Hawaii I see them several times a year. This year there were two. One of them was a hit-and-run accident in which the driver who rear-ended the car ran out of control like a drunk driver and hit the car several times with great force. I think Hawaii's driving etiquette is getting worse every year.
And I think the number of private cars in Hawaii has increased so much in the last few years that it has become a big problem. As a resident myself, I used to think it wasn't so bad, but nowadays when I go outside, I often smell gasoline in the air and I hesitate to go out. Although this is Hawaii, the environment that should be a paradise, a world-class paradise, is being damaged.If this continues, not only will the quality of life for the residents suffer, but it will also keep tourists away. Tourists do not visit Hawaii to breathe dirty air or to be trapped in traffic jams. I strongly believe that unless decisive action is taken, Hawaii will face serious environmental and economic decline. 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)
- #12
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I was once rear-ended by a police car while waiting at a stoplight. It was minor, but I was surprised that such a thing could happen.
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)
- #13
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- KAN
- 2025/09/17 (Wed) 16:26
- Report
# Thanks for the info, 10nyankoz. I've started pumping as much as kudos to you too.
#11 Tsubuan, thanks for the information. I drove for more than 10 years in Japan and never had an accident. I think most of the locals here would run away even if hit. I think the problem is that they have very low morals. After I was hit, the other driver ran away.
#12IV, that is a valuable experience. I was at an intersection last year where an ambulance and a civilian car were rear-ending each other .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)
- #14
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My husband is an ex-police. He says
① the issuance of licenses is too easy and many people have poor driving skills. I doubt they have a few hours of voluntary skill practice
② Hawaii is crawling with criminals. They can't go to jail so they are released immediately. People with 100 arrests are walking around.
③ There are a lot of immigrants here and they don't speak the language, which is another reason why employment is not stable
④ Hawaii is multicultural with many immigrants. This is not Japan. There is no courtesy here. Expectations will only lead to disappointment.
⑤ You are the only one who can protect yourself. ⑥ This is not Japan, don't expect too much
.This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
A strange story I experienced in Hawaii.
- #1
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- Ho'oponopono
- 2025/09/01 19:08
I would like to hear your stories of your experiences in Hawaii.
A story I experienced.
I went to the famous Birth Stone, and out of nowhere, a Hawaiian man ( who was the administrator of the Birth Stone and ancestor who took over the ceremony ) appeared and took me inside the site of the Birth Stone for a special ceremony. It was a strange experience, even thinking about it now, the timing and all. After that, my infertile friend who was with me got pregnant.
When Lan Bo saw me, I didn't even tell her my name or date of birth, but as soon as she walked into the room, she started talking about her deceased husband in a very simple way. ( Of course, I didn't even know he had passed away, but )
That night when I met Kumu, the Hawaiian, who chanted for me, I found that the closet I had closed before going to bed was wide open when I got up in the morning.
That's about it for me, not much more, but I'd love to hear your stories.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)
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- #2
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- 宝くじ
- 2025/09/01 (Mon) 23:28
- Report
When I made Balance Lock the standby for my phone,
I won 300 million yen in the lottery, which I have never won in 30 years.
I keep it a secret from my family.
*In case you are wondering, we do FBAR in the U.S. as well.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)
About Condominium Insurance
- #1
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- Aika
- 2025/08/26 18:31
I live in Ala Moana.
Condo against disasters, water leaks
I have insurance, but I pay 1,500 a year.
Of course, it depends on the size and the property
How much do you guys pay for insurance ?
Also, if there is any cheap insurance company, please let me know.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)
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- #2
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- Ezmode
- 2025/08/26 (Tue) 23:53
- Report
I am also a condo near Ala Moana.
My car insurer told me I would get a good deal on a set
car and home insurance are the same. I heard that if you have a lot of luxury items in your personal belongings you get a
expensive insurance policy to be covered, but I don't, so it's normal.
I was told to evacuate to the 4th floor or higher on the news about the recent tsunami information
I wondered if it would be okay to not change my insurance policy, especially if I am above the 4th floor.I think the $1500 home insurance is for a single family home. 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)
- #3
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Insurance premiums in general are skyrocketing due to the Maui fires. With wildfires, hurricanes, and flooding on the mainland as well, it looks like premiums are on the rise. $ 1500 is a good price ?.
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)
- #4
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- momo
- 2025/08/27 (Wed) 16:19
- Report
We are forced to buy condo-specified insurance if we don't have individual insurance coverage as determined by the condo.
State Farm, a major player, announced a 22% price increase and other companies are following suit.
Now, you may pay more if you switch to a new other company.
Each insurance policy is completely different in each case, so there is no point in comparing one with another.
It depends on the condo you live in. Without detailed information, it is useless to compare.
You will get more appropriate answers if you ask AI questions than if you put your personal information here.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)
- #5
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- Ezmode
- 2025/08/27 (Wed) 18:31
- Report
#4 I asked AI as momo advised and ours was a few hundred dollars less than the Honolulu average.
Topi Aika, talk to your car insurance agent. They told me that the set was a good deal and it was true.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)
- #6
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- FPP
- 2025/08/28 (Thu) 09:43
- Report
My husband owns an insurance agency. Over the past few years, the insurance industry as a whole has become very tough. It seems that the new conventional wisdom throughout the insurance industry is that we are entering an era where it is inevitable that things will get even tougher and insurance costs will rise. It is often said that the rise in insurance costs is due to the fires in Maui, but in fact, the main cause is natural disasters caused by extreme weather events that are occurring all over the world. Insurance companies are raising overall insurance rates to make up for the insurance claims that have occurred in other parts of the U.S. and around the world. They are also making the lines tighter than ever for new insureds to sign up for the natural disasters that are sure to happen in the future. The cost of insurance for my home has gone up every year for the past few years, and this year it was double the price of last year. However, as he says, "You should be thankful just to have insurance," as he sees clients every day who are unable to join any insurance company because their insurance has been unilaterally cancelled by the insurance company for various reasons. He said, "You have to be thankful just to have insurance. In addition, there are an increasing number of companies that continue to offer lower terms and conditions to their existing clients, but demand extremely strict terms and conditions from new clients. For the aforementioned reason, once you cancel your insurance, you may not be able to reapply for insurance under the same conditions as before. However, the above is not so much true for automobile insurance, which is an exception to the rule that you are required by law to purchase.
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)
Replacing iPhone12mini with iPhone16pro and considering changing cell phone company
- #1
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- sweet
- 2025/08/20 13:49
Hi
I am currently using an iphone 12mini purchased in 2020 with AT&T. I have already paid for the model, but I am paying $60 monthly for the Unlimitied plan.
I am not sure if this plan is cheaper.
My iphone12mini has recently lost battery life and I would like to change to an iphone16pro or iphone16 and
if there is a plan that allows me to change at the same time at a lower cost, I am considering changing AT&I am not particular about T.
If anyone has any information, please advise.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)
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- #2
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- こーの字
- 2025/08/20 (Wed) 14:49
- Report
Here is a log about cheap plans.
https://hawaii.vivinavi.com/jpn/eb/index/-?topic_id=_widg_28a78710abb85bf802a355f307c006ab599a032530&show=all#_widg_28a 78710abb85bf802a355f307c006ab599a032530
It would be easier for everyone to comment if you stated the monthly data allowance required.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)
- #3
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- Jasmin
- 2025/08/20 (Wed) 22:48
- Report
I am on Spectrum after trying all the cell phone companies.
$30/month for data, text and unlimited. The antenna is the same as Verizon's so the cosmetics are definitely better. I can recommend !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)
- #5
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- Mint
- 2025/08/21 (Thu) 17:04
- Report
#3 As Jasmin said, Verizon is the best Network.
Verizon → AT&T → h2o → Spectrum → Mint → Having switched carriers to Tello,
h2o, Mint and Tello are slightly inferior to AT&T Network and a bit inferior to Verizon.
Verizon has better 5G coverage and Spectrum is the best choice if you want to replace your iPhone 16pro with a higher spec.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)
The top 10 states where you need the least and most expensive savings to retire are as follows:
- #1
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- Randy
- 2025/06/25 16:49
今日のニュースで興味深い記事がありましたのでシェアします。
What To Know
Americans' economic anxieties come from different places, including fears of recessions, inflation, health issues, grocery and gas prices, tariffs,
and fears of government cuts to Social Security and Medicaid.
Kiplinger, a publisher of business forecasts and personal finance advice, devised a list of the states where money will go the longest in retirement
without breaking the bank.
The top 10 states where you need the least savings to retire are as follows:
West Virginia – $712,913
Kansas – $741,455
Mississippi – $753,472
Pennsylvania – $864,633
South Carolina – $869,140
Minnesota – $870,642
Wyoming – $872,144
Illinois – $873,646
North Carolina – $905,192
Maryland – $924,720
The top 10 most expensive states where you need savings to retire are as follows:
Hawaii – $2,212,084
Massachusetts – $1,645,764
California – $1,612,716
Alaska – $1,292,753
New York – $1,292,753
New Jersey – $1,163,566
Vermont – $1,153,051
Washington – $1,145,540
Maine – $1,144,038
Arizona – $1,133,522
- Recent 4 posts (2/4)
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- #3
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- Randy
- 2025/07/03 (Thu) 11:51
- Report
#2 Nobody
Thanks for the reply.
Since it is US news, I copied it as it is in English, but
some parts are not correct in Japanese because it is automatically translated in BibiNavi.
Yes, it is.
Who knows how high prices will be when I retire in a few decades
?
Anyway, make money while you are healthy. Plus, I think I should make various sources of income.
FYI, families who moved from Hawaii to the mainland during the Corona were also renting on the mainland.
Prices have gone up on the mainland as well, so we can no longer afford to raise 3 kids and now live
in my parents house in Hawaii for crying out loud. We were able to do this because we were local.
People who were buying houses on the mainland at the same time, over 5 years after Corona, they went up so much that they sold for 1.5 times what they paid.
There are no houses in the US. Such a difference in just 5 years.And it looks like it went up 4 times in Okinawa in another topi.
Depending on location, it is better to buy real estate if you can get a loan.
- #4
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- 名無し
- 2025/07/03 (Thu) 20:07
- Report
There is also the option of life insurance for future planning.
I can't go into too much detail here, but I think life insurance and real estate will still be important.
I don't know about the price of real estate because it depends on the situation, but I think the U.S. economy will slow down
in late 2025 to 2026, and if that happens, the price of real estate will go down.
If you have real estate for sale, why do you want to sell it ? and ask the real estate agent, and if it is urgent, it is possible to buy it
. There is no need to buy the property at the asking price. You can also buy real estate that has been on the market for a long time. I'm sure Real Estate Agent will get angry if I
Post such a thing.
- #5
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- Nahele
- 2025/07/04 (Fri) 13:23
- Report
Escape to Japan only for old age
- #6
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- Randy
- 2025/07/04 (Fri) 15:58
- Report
# 4 nameless
I, too, have life insurance. I am not a life insurance and real estate agent.
How to survive in the U.S. I have done a lot of research.
I also have experience in buying and selling real estate, and I always have them negotiate every time.I have never bought at list price.
It is important to choose an agent who is a good negotiator.
- #7
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I have lived on the mainland for 25 years. I have moved to the East Coast, West Coast, Southwest, and have real estate in Hawaii, but I don't think you understand the significance of this data at all.
First of all, unlike Japan, the US is a country where income and spending levels can be several times different in different areas. For example, in Silicon Valley and Manhattan, it is not unusual for an average salary to exceed $300,000. In the Midwest, on the other hand, many workers are employed in factories and farms, where salaries of around $50,000 are common. Naturally, real estate prices also vary widely. When changing jobs, it is essential to use the Relocation Calculator or the Salary Calculator to find out the salary and rent level in the area where you will be working. The same $300,000 job offer can mean very different things depending on where you live.
Also, a significant number of Americans are downsizing and relocating when they retire. If you are an owner of an expensive home on the East or West Coast, it is a fairly common pattern to sell your home and move to a retirement community in Florida or Arizona. In this case, the money needed for retirement that is being offered is useful information. A homeowning businessman retiring on the East or West Coast will cash out 1 or 2 mil → $500,000 to acquire a retirement property & Retirement fund cash out is normal.
Hawaii is special because there are many such wealthy mainlanders living in Hawaii for a few years, demand for vacation homes from wealthy Californians, etc. The biggest expense in retirement is housing, so housing costs driven up by these wealthy people have a big impact.
The way to survive in the U.S., is to work in areas with high salary levels and retire in areas with low salaries.
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