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    • 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 / 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 ♪
    ↓

    • Wanted / Professional
    • 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)

    Would you like to sell your remodeling company or other construction-related company through a business succession ？?

    We refer Hawaii businesses to our clients.

    It doesn't matter how small your company or store is.

    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated] M&A brokerage firm.

    M&A is completely free of charge until the contract is signed.

    We have more than 80 contracts in Hawaii and Japan.

    Buyer's clients are Japanese business owners.




    ●The representative is an administrative scrivener specializing in contract drafting who is bound by law to maintain confidentiality.

    We have been operating [a legal office for over 20 years] with high reliability.

    Once the sale is finalized, we will prepare the [M&A transfer agreement].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding-related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies ・ Staffing
    ◇Car Rental Company ・ Used Car Sales ・ Farms etc.


    *Los Angeles, New York and other English speaking businesses available for sale.



    ● ＜ Contact us ＞ We reply within [24 hours] 24/7. Please feel free to contact us.

    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation ） Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • Introduction / Auto / Motorcycle
    • 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)

    Aloha ・ Auto ・ Mechanic 🚒 for car repair, air conditioner failure, brake problems, etc.

    Aloha Auto Mechanic 🚗

    We repair and maintain your car and also repair your car with insurance.

    Our mechanics are highly skilled and knowledgeable in car repair and maintenance, and have precise maintenance skills.

    Please consult us about air conditioner, brakes, engine, pump, suspension, etc.

    We are flexible and can respond to any accidents such as sudden breakdown of the car or battery failure.

    The current situation of car dealerships in Hawaii is very unfortunate. $ The parts inside the car that you bought at 10000 are terrible, or they turn off the engine light pretending to fix the engine
    After you buy a car, you may have various problems, but you may not have the experience you want. ？

    Aloha Auto Mechanic will provide you with trust and peace of mind.

    If you have any questions or requests, please feel free to contact us in Japanese. （ 808)304-6444 Hirakawa

    • Wanted / Professional
    • 2024/12/09 (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)

    Would you like to sell your [house cleaning ・ cleaning company] in a business succession ？?

    We refer Hawaii businesses to our clients.

    It doesn't matter how small your company or store is.

    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated] M&A brokerage firm.

    M&A is completely free of charge until the contract is signed.

    We have more than 80 contracts in Hawaii and Japan.

    Buyer's clients are Japanese business owners.




    ●The representative is an administrative scrivener specializing in contract drafting who is bound by law to maintain confidentiality.

    We have been operating [a legal office for over 20 years] with high reliability.

    Once the sale is finalized, we will prepare the [M&A transfer agreement].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding-related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies ・ Staffing
    ◇Car Rental Company ・ Used Car Sales ・ Farms etc.


    *Los Angeles, New York and other English speaking businesses available for sale.



    ● ＜ Contact us ＞ We reply within [24 hours] 24/7. Please feel free to contact us.

    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation ） Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • Introduction / Auto / Motorcycle
    • 2024/12/09 (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)

    Aloha ・ Auto ・ Mechanic 🚒 for car repair, air conditioner failure, brake problems, etc.

    Aloha Auto Mechanic 🚗

    We repair and maintain your car and also repair your car with insurance.

    Our mechanics are highly skilled and knowledgeable in car repair and maintenance, and have precise maintenance skills.

    Please consult us about air conditioner, brakes, engine, pump, suspension, etc.

    We are flexible and can respond to any accidents such as sudden breakdown of the car or battery failure.

    The current situation of car dealerships in Hawaii is very unfortunate. $ The parts inside the car that you bought at 10000 are terrible, or they turn off the engine light pretending to fix the engine
    After you buy a car, you may have various problems, but you may not have the experience you want. ？

    Aloha Auto Mechanic will provide you with trust and peace of mind.

    If you have any questions or requests, please feel free to contact us in Japanese. （ 808)304-6444 Hirakawa

    • Wanted / Professional
    • 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)

    Would you like to sell a store such as [Hawaiian grocery store] in a business succession ？?

    We refer Hawaii businesses to our clients.

    It doesn't matter how small your company or store is.

    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated] M&A brokerage firm.

    M&A is completely free of charge until the contract is signed.

    Overseas ・ Domestic [more than 80 contracts signed].

    Buyer's clients are Japanese business owners.




    ●The representative is an administrative scrivener specializing in contract drafting, who is bound by law to confidentiality.

    We have been operating [legal office for over 20 years] with high credibility.

    Once the sale is finalized, we will prepare the [M&A transfer agreement].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies ・ Staffing
    ◇Car Rental Company ・ Used Car Sales ・ Farms etc.


    *Los Angeles, New York and other English speaking businesses available for sale.



    ● ＜ Contact us ＞ We reply within [24 hours] 24/7. Please feel free to contact us.

    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation ） Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • 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 ♪
    ↓

    • Introduction / Auto / Motorcycle
    • 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)

    Aloha ・ Auto ・ Mechanic 🚒 for car repair, air conditioner failure, brake problems, etc.

    Aloha Auto Mechanic 🚗

    We repair and maintain your car and also repair your car with insurance.

    Our mechanics are highly skilled and knowledgeable in car repair and maintenance, and have precise maintenance skills.

    Please consult us about air conditioner, brakes, engine, pump, suspension, etc.

    We are flexible and can respond to any accidents such as sudden breakdown of the car or battery failure.

    The current situation of car dealerships in Hawaii is very unfortunate. $ The parts inside the car that you bought at 10000 are terrible, or they turn off the engine light pretending to fix the engine
    After you buy a car, you may have various problems, but you may not have the experience you want. ？

    Aloha Auto Mechanic will provide you with trust and peace of mind.

    If you have any questions or requests, please feel free to contact us in Japanese. （ 808)304-6444 Hirakawa

    • 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.

    • Wanted / Professional
    • 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)

    Would you like to sell [Restaurant ・ BAR] as a business succession ？?

    We refer Hawaii businesses to our clients.

    It doesn't matter how small your company or store is.

    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated] M&A brokerage firm.

    M&A is completely free of charge until the contract is signed.

    We have more than 80 contracts in Hawaii and Japan.

    Buyer's clients are Japanese business owners.




    ●The representative is an administrative scrivener specializing in contract drafting who is bound by law to maintain confidentiality.

    We have been operating [a legal office for over 20 years] with high reliability.

    Once the sale is finalized, we will prepare the [M&A transfer agreement].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding-related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies ・ Staffing
    ◇Car Rental Company ・ Used Car Sales ・ Farms etc.


    *Los Angeles, New York and other English speaking businesses available for sale.



    ● ＜ Contact us ＞ We reply within [24 hours] 24/7. Please feel free to contact us.

    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation ） Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • Introduction / Auto / Motorcycle
    • 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)

    Aloha ・ Auto ・ Mechanic 🚒 for car repair, air conditioner failure, brake problems, etc.

    Aloha Auto Mechanic 🚗

    We repair and maintain your car and also repair your car with insurance.

    Our mechanics are highly skilled and knowledgeable in car repair and maintenance, and have precise maintenance skills.

    Please consult us about air conditioner, brakes, engine, pump, suspension, etc.

    We are flexible and can respond to any accidents such as sudden breakdown of the car or battery failure.

    The current situation of car dealerships in Hawaii is very unfortunate. $ The parts inside the car that you bought at 10000 are terrible, or they turn off the engine light pretending to fix the engine
    After you buy a car, you may have various problems, but you may not have the experience you want. ？

    Aloha Auto Mechanic will provide you with trust and peace of mind.

    If you have any questions or requests, please feel free to contact us in Japanese. （ 808)304-6444 Hirakawa

    • Introduction / Auto / Motorcycle
    • 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)

    Aloha ・ Auto ・ Mechanic 🚒 for car repair, air conditioner failure, brake problems, etc.

    Aloha Auto Mechanic 🚗

    We repair and maintain your car and also repair your car with insurance.

    Our mechanics are highly skilled and knowledgeable in car repair and maintenance, and have precise maintenance skills.

    Please consult us about air conditioner, brakes, engine, pump, suspension, etc.

    We are flexible and can respond to any accidents such as sudden breakdown of the car or battery failure.

    The current situation of car dealerships in Hawaii is very unfortunate. $ The parts inside the car that you bought at 10000 are terrible, or they turn off the engine light pretending to fix the engine
    After you buy a car, you may have various problems, but you may not have the experience you want. ？

    Aloha Auto Mechanic will provide you with trust and peace of mind.

    If you have any questions or requests, please feel free to contact us in Japanese. （ 808)304-6444 Hirakawa

    • Event / 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)

    🇺🇸Before Returning to Japan ！ American Savings Insurance and Individual Annuity Seminar ！

    Click here to apply ：
    https://insurance110usa.com/webinar/united-states-reserved-insurance-individual-pension/

    Life Insurance in America ・ Many people do not know that the interest rate for savings insurance is higher than in Japan, and
    many regret it after returning to Japan, saying, "I wish I had asked before I left ・ ・ ・ ・ for my new job.

    In fact, at insurance110, we are receiving an increasing number of rushed consultations from expatriates and others who have decided to return to Japan.
    Even if you have not yet decided to return to Japan, if you are in the U.S. for a limited period of time due to a term of office or other reasons, please take this opportunity to watch this video.

    For those who live in areas where we do not have branches, we can also provide information by e-mail ・ phone ・ Skype, etc.
    You do not need to visit our store to make a contract, so please feel free to contact us for all your US insurance needs.

    This seminar is also free of charge, but there will be absolutely no forced solicitation after attending. Please feel free to attend.



    ★ Next Schedule ★

    January 12 （ Sun ）

    January 15 （ Wed ）
    *Times vary according to each area. Please check from the application page.

    • Wanted / Professional
    • 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)

    Would you like to sell [advertising production company ・ advertising agency] in a business succession ？?

    We refer Hawaii businesses to our clients.

    It doesn't matter how small your company or store is.

    If you are thinking of selling or closing your business, please feel free to contact us.




    ●Right International is a [Hawaii incorporated] M&A brokerage firm.

    M&A is completely free of charge until the contract is signed.

    We have more than 80 contracts in Hawaii and Japan.

    Buyer's clients are Japanese business owners.




    ●The representative is an administrative scrivener specializing in contract drafting who is bound by law to maintain confidentiality.

    We have been operating [a legal office for over 20 years] with high reliability.

    Once the sale is finalized, we will prepare the [M&A transfer agreement].




    ───────────────
    Example of sale
    ───────────────

    ◇Tour companies ・ Travel companies ・ Tourism related companies ◇Wedding-related companies ・ Marriage agencies
    ◇Esthetic salons ・ Lomi Lomi massage salons
    ◇Hair removal salons ・ Spa
    ◇Eye-lash salons ・ Nail salons ・ Beauty salons
    ◇Cafes ・ Restaurants ・ Beer bars
    ◇Burger stores ・ Sandwich stores
    ◇General stores ・ Various stores including flower shops
    ◇House cleaning ・ Renovation companies
    ◇Real estate companies IT companies ・ Advertising companies
    ◇School corporations ・ English conversation schools ・ Computer schools
    ◇Clinics ・ Day services ・ Nursing care businesses
    ◇Accounting offices ・ Insurance companies ・ Staffing
    ◇Car Rental Company ・ Used Car Sales ・ Farms etc.


    *Los Angeles, New York and other English speaking businesses available for sale.



    ● ＜ Contact us ＞ We reply within [24 hours] 24/7. Please feel free to contact us.

    E-MAIL → right@international.jp

    Contact us through our site → https://hawaiian.blue/contact/


    ──────────────────────────────

    （ Hawaii Corporation ） RIGHT INTERNATIONAL USA, INC.
    （ Japan Corporation ） Right International, LLC
    （ Contracts ） Office Right Gyoseishoshi Lawyer Tanaka Legal Office


    ★ Please see our web site "Hawaii M&A Investment Information".
    ↓ ↓ ↓
    ──────────────────────────────

    • 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)

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

    Hirata Consulting

    Are you prepared for your current and future life plans ？

    Hello, my name is Masato Hirata.
    With the motto of "offering plans that are tailored to your current and future life planning needs," I am pleased to offer
    various types of life insurance ・ individual annuities （ annuities ） ・ long-term care insurance ・ 401K,
    IRA rollovers, and more. We are pleased to provide you with information on the following

    Hirata ・ Consulting Features


    We offer free consultations.
    "I have some questions about insurance ！ Who should I talk to ？ about the cost of the consultation ？"
    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 daytime, but ！"
    Don't worry, you can specify a convenient time and place for us to visit you "anytime ・ anywhere ・. <3267> 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
    masato.h.wfg@gmail.com

    • 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)

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

    Is Buying Long-Term Care Insurance Right for You ？?

    [

    There are three types of long-term care insurance policies that may or may not be appropriate for you to consider.] Regarding long-term care insurance, we introduced "three types of long-term care insurance" in another section of the Machikado Hot List, "Long-Term Care Insurance in Hawaii and Long-Term Care Insurance in an Aging Society", and among them, a savings type life insurance （ with a long-term care insurance rider ） : Life Insurance Policy with a Rider, you may want to consider purchasing a Long-Term Care Insurance Only Policy （ Stand-Alone Policy ）. The National Association of Insurance Commissioners
    provides the following guidelines for purchasing a Stand-Alone Policy .



    < 介護保険の購入に対し、ご検討なさらない方が良いと思われる方 >
    * If you are unable to afford the monthly premiums
    * If you do not own significant assets
    * If your only source of income is social ・ security or similar income <1763> * Utility bills ・ Food ・ Medical or other important payments
    * Currently on Medicaid

    < 介護保険の購入に対し、検討なさる事が適していると思われる方 >
    * You have some assets of your own or currently have sufficient income
    * You do not wish to use your current assets or income to pay for future care
    * You are able to pay the monthly premiums for long-term care insurance and can handle future increases in premiums
    * You do not wish to burden your family or friends with your future care
    * You do not want to burden your family and friends with your future care * You want to have options for how you will be cared for in the future

    We have options for each of you, so please feel free to contact us if you have any questions.

    • Useful info / Finance / Insurance
    • 2024/12/05 (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.