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- Free trial / Education / Lesson
- 2024/05/06 (Mon)
Vivinavi Los AngelesWe will help you achieve your goals !.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)
From daily conversation to business English,
From Eiken to TOEIC ★ ☆
Have fun mastering English !
Complete private room, children welcome ★
Online lessons also available.
Free trial lesson now + 10 lesson tickets $ 50 OFF !
Check out the profile of English Park's head instructor, Ms. Sharmin in VOYAGE LA Magazine ♪
http://voyagela.com/interview/hidden-gems-meet-sharmine-park-english-park-llc/
Feel free to email us and talk to you soon!
English Park
21151 S. Western Ave. #131 Torrance, CA 90501
TEL: 424 -210-6523
Email: lessons@englishpark.us
Please feel free to contact us by "Send Message" below.Free trial1 hour free trial
-
- Useful info / Auto / Motorcycle
- 2024/05/02 (Thu)
Vivinavi Los AngelesGARDENA TOSHI AUTO] It's time to check the smog ? as early as you can afford !.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)
Toshi Auto Smog is a Japanese speaking California State Government approved
Test and Diagnostic Repair ( Test&Repair Starcertified ) Smog Station.
★ Services ★
Smog Check... $ 60 ~ (Certificate Included) * Valid for 90 days Check early with room to spare
Rates for 2000 and newer sedans, minivans, and SUVs.
Please contact us directly for other years and models as the rates are different.
~ Checks ~
◇Car computor scan check.
◇Actuation check of related parts.
◇Visual check of engine and emission related.
If you can't pass...
CA has a program called CAP (Consumer Assistance Program) to improve air quality and the state will pay \ up to 80% / of the repair cost.
State government buyback, if you want this program, we can help you apply!
State Government Assistance Program for Smog Related Repair Costs CAP (Consumer Assistance Program ) is accepted.
State government program to pay 80% of the repair cost of your car that did not pass the Smog Check.
Please feel free to contact us first🚗
☎ : 310-532-3302 -
- Introduction / Education / Lesson
- 2024/05/09 (Thu)
Vivinavi Los AngelesJapanese Kindergarten "Sora-gumi" ⭐︎ Summer CampThis 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)
Sora-gumi, a Japanese language kindergarten in Ryan Park, a park with a view of the sea in Palos Verdes. Registration for this year's summer camp has started again.
This year's camp will run from June 17 to August 9, each 2 weeks long, divided into Camp 1 to Camp 4.
Classes are held every Monday, Wednesday, and Friday from 10:00 a.m. to 2:00 p.m. Classes are for children ages 2 to 6.
You can sign up at this link.
https://anc.apm.activecommunities.com/rpv/activity/search?onlineSiteId=0&locale=en-US&activity_select_param= 2&activity_keyword=Japanese&viewMode=list
Romita's classroom is now accepting new students for Japanese Mommy&Me Class, Eurhythmic Class, Japanese Class and Private Piano Lessons.
We are also accepting new students for the Sora class for the 2024 school year.
Inquiries can be made by phone, text or email. Please feel free to contact us.Niko Niko T-shirt 10%Off
- Niko Niko Music
- 24421 Narbonne Ave., Lomita, CA, 90717
- 9497421656
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- Introduction / Professional
- 2024/05/04 (Sat)
Vivinavi Los AngelesCome celebrate your coming of age in 📷Los Angeles ? 👘.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)
Why don't you preserve your once-in-a-lifetime memories of coming-of-age at TOKYO KIMONO ?
TOKYO KIMONO has started renting furisode and haori hakama for coming-of-age ceremony.
We also offer before and after photo shoots, outing plans and outdoor photography plans ✨
⭐️ Standard
$ 590 (Furisode Furisode for women)
Kimono rental, Dressing, hair set, make up, photo shooting, 3 data
$ 390 (Haori Hakama for men)
⭐️ Premium
+ $ 77 data with 8 sheets
⭐️ deluxe
+ $ All data at 165
Please feel free to contact us for more information.
We will help you create wonderful memories 💎.- TOKYO KIMONO
- 1815 W 205th St. #210, Torrance, CA, 90501 US
- +1 (310) 634-9897
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- Useful info / Computer / Electronics
- 2024/05/29 (Wed)
Vivinavi Los Angeles! ! ] Please feel free to consult with us about slow operation …, virus infection, hardware failure in general, website creation, SEO measures, and obtaining your own domain ・ mail address.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)
■ Tony's Technology
PC ・ MAC ( PC ) repair store in Old Torrance.
If you have any questions about computers, please feel free to contact us.
Free PC health check is always available ! ! Recently, it often freezes, it suddenly becomes slow, and many pop-up windows are displayed.... Please contact us before it is too late.
We also welcome English-language PCs purchased at other stores. We will set up your PC in Japanese on the spot if you bring it in.
$ 45~/ Please contact us if you have purchased from other stores but the support is not good, or the repair or setup cost is too high, etc.
Skilled Japanese staff will explain and advise you on the best way to use your PC in an easy-to-understand manner.
●Hardware ・ Repair software problems ・ Upgrade, virus ・ Spyware removal
We can solve common daily problems such as changing settings to Japanese environment, internet connection problems, virus countermeasures, etc. We will solve common daily problems such as changing settings to Japanese environment, Internet connection problems, and virus countermeasures.
Spyware and virus removal $ 75~/PC protection service $ 45/ We can repair or upgrade notebook PCs as well as desktop PCs.
Please do not give up and contact us because you bought your PC in Japan. ( Hard disk replacement, memory upgrade, LCD, keyboard, battery replacement repair, etc. )
The Internet environment has become more convenient and comfortable, but with it, the damage from virus infection is also increasing at an explosive rate.
Those who have not yet taken security measures need to do so as soon as possible. Also, if you are considering installing a new system and do not know how to take countermeasures, please visit our store.
We will help you from installation to setting up. We will protect your valuable computer.
We also provide web tools ( such as shopping carts and other management tools ) We can help you create an online sales site.
●Website creation and design ( Multi-language and mobile support )
WEB tools ( Shopping carts and other management tools ) We can also help you create online sales sites.
We can help you to create an online sales site.We accept from individuals to small businesses and corporations.
●Remote Remote Repair Service
We can help you with problems such as not knowing how to set up or operate your computer, initial settings of a newly purchased computer, language settings ( Japanese language conversion, etc. ) security protection, virus infection, etc. Our professional staff will diagnose, set up, and repair your PC remotely.
This service remotely controls your PC screen via the Internet to help you solve problems and operate your PC.
We operate the customer's PC, so there is no need to do anything complicated.
Even if you have difficulty in operating the remote connection, our staff will guide you in Japanese, so you can use this service with peace of mind. -
- Useful info / Restaurant / Gourmet
- 2024/05/02 (Thu)
Vivinavi Los AngelesOur NEW Premium Candles are here! 🕯️✨
Our candle collection features 3 incredible aromas:
• Clarity Tea Tree and Lemon Myrtle Candle
• Uplifting Bergamot Candle
• Sensational Ylang Ylang Candle
Look at everything that sets our candles apart from the rest! 🤩
Available now on arroyokitchen.com -
- Introduction /
- 2024/05/10 (Fri)
- Haru Dental
- Torrance (Old Torrance), California, US
- 310-362-2875
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- Problem solution / Medical
- 2024/05/04 (Sat)
Vivinavi Los AngelesDo you have a problem in your daily life ? We can help 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)
Do you need help with meal preparation, bathing, changing, etc. ?
Hope ・ International ・ Home Care offers help in your home or facility for those who need care !
If you need someone to helpWe'd love to hear from you!
Our staff are all Japanese and will take care of you in Japanese and cook Japanese meals.
We also offer 24 hour service.
We will support you so that you can live your daily life with peace of mind. -
- Wanted / Education / Lesson
- 2024/05/03 (Fri)
Vivinavi Los Angeles◆Classrooms for students ◆MK Lab.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)
MK Lab is the oldest early childhood ・ learning school in the South Bay area of Los Angeles, celebrating its 35th anniversary.
We are currently accepting students from ages 2 through middle school.
The small class size allows for the attention to detail that we are able to provide. We work with students at their individual level.
◆In the mornings on weekdays, we offer music, art, Ishii style Japanese language and intellectual training for toddlers
In a friendly atmosphere, we guide your child's growth to become a strong thinker ・ and expressive.
◆Weekday afternoons ・ Saturdays are after school hours for children from 3 years old to junior high school students to learn Japanese and arithmetic in the Ishii method ( including intellectual education ) depending on age.
Guides growth so that students discover the joy of being able to do things by building on them and making learning fun.
Please email us for a free trial class.
infomklab@gmail.com◆First trial free
- MK Lab
- 2383 Lomita Blvd, Lomita, CA, 90717- US
- (310)539 3210
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- Wanted / Education / Lesson
- 2024/05/24 (Fri)
Vivinavi Los AngelesTsukushi En] ~ One infant slot and one vacancy will be available ~ Japanese American nursery school in South BayThis 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)
Currently, one infant ( age group : under 2 years old ) slot will be available at Tsukushi En, starting in mid-June, for 5 full time per week.
Also, due to the new school year, two slots will be available for ages 2 and up starting in July.
Please contact us with the contact information found in the "Contact" section of our website.
Infants will receive an abundance of love and compassion !
Toddlers will be independent before school !
★ Childcare Policy ★
We provide care for children from newborn to school age. We provide childcare services for children from newborn to school age, allowing them to experience both Japanese and American cultures.
We provide a small, caring environment that fosters cooperation, independence, social skills, responsibility, and a sense of caring through our vertically divided daycare, and we offer many experiences that larger daycare centers cannot provide.
From the age of 2.5 years old, a school lunch with a balanced nutritional diet and plenty of vegetables is provided, which is great for working mothers.
Toddlers are encouraged to be self-motivated and independent before they start school. ! We encourage joy, motivation, and independence, and nurture curiosity and cooperative spirit.
Japanese American preschool in the South Bay with a safe environment and ample grounds is always looking for students !.- つくし園
- N/A, Gardena, CA, 90247 US
- +1 (424) 254-9664
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- Useful info / Beauty / Health
- 2024/05/02 (Thu)
Vivinavi Los Angeles[📢SALON NEWS] We have started nail art💅 ~ Would you like to have beautiful fingertips ~?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 Quality Salon finally started nail art ✨
~ A Quality Salon nail art recommendations ~
☆ A wide variety of designs
☆ !
☆ Careful treatment
Delicate artwork can be done by a manicurist !
Make your nails so beautiful that you can't help but admire them while you work
Various designs are now available !. -
- Press Release / Restaurant / Gourmet
- 2024/05/29 (Wed)
Vivinavi Los AngelesGrand Opening of Torrance AlleyThis 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)
On June 6, 2024, at 6 p.m., Torrance Yokocho will hold its grand opening in Torrance.
Torrance Yokocho will recreate the atmosphere of a side street as if you were in Japan, and will welcome customers with a menu of around 100 different items, using a system
that allows customers to read the QR code menu with their smartphones or tablets
and order at their convenience.
Torrance Alley will be open Monday through Thursday from 6pm to 12am ( 11:30pm last order ) and
Friday and Saturday from 5pm to 12am ( 11:30pm last order ).
As a commemoration of the grand opening, we will be giving away Torrance Yokocho souvenirs
to the first 100 customers each day on 6/6, 6/7, and 6/8.
Thursday : Drawstring bag
Friday : Eco bag
Saturday : Water bottle
For more information, please visit Torrance Alley website and each SNS.
We look forward to welcoming you.
Website: https://yokochous.com
Instagram: https://www.instagram.com/torranceyokocho
Facebook: https://www. facebook.com/torranceyokocho- Torrance Yokocho
- 2589 Pacific Coast Hwy, Torrance, California, 90505 アメリカ合衆国
-
- Useful info / Professional
- 2024/05/01 (Wed)
Vivinavi Los Angeles★ Quick USA can help you find a job in the USA !.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)
Job Change in the U.S.A. ・ We are QUICK USA, Inc. an employment agency.
Are you looking for a job in the U.S., thinking of changing jobs, or want to work in the U.S. in the future
Are you thinking of "changing jobs in the U.S." or "finding a job in the U.S." ?
To realize your dream of working in the U.S., you need to overcome several obstacles such as work visa
Step ・ by ・ step by step, overcoming several obstacles such aswork visa, etc.
"Who should I talk to ??" and "Where should I find a job ??
There are many aspects of looking for a job in the U.S. that are different from those in Japan, and there are many things I don't understand.
Sometimes QUICK USA, Inc. is like a marathon runner. And sometimes like a coach leading a team. We support job seekers from a professional standpoint in order to secure the goal of "changing jobs ・ in the U.S.".
What does "working" mean to you ? There must be more than just making money. Why don't we start our conversation from such a place ?
People who enjoy their work seem to shine from the inside out. We want to bring smiles and happiness to as many people as possible.
-------------------------------------------
Career change in the U.S. ・ Free support for finding a job !
------------------ -------------------------
Our experienced and honest recruiting consultants will help you find a job in the USA. We listen carefully to you on a one-on-one basis to find the right work style and position for each of you. We will support you until the job starts, and in some cases, even after the job starts.
For more information → www.919usa.com
Latest jobs → www.919usa.com
------------------- -------------------------
From Registration to Employment
--------------------------------------------
If you are looking for a "Career Change in the USA" or "Employment in the USA If you are thinking of "changing jobs in the U.S." or "finding a job in the U.S.", you should first "register for free" at Quick USA's website. We introduce jobs not only in New York and Los Angeles, but also all over the United States. We will introduce you to jobs in the U.S. that will make the most of your hopes and career, free of charge. We do our best to help you meet your desire to work in the United States. Our service is free of charge to our clients from the time of registration to the time you join our company. It is a free service!
☆ ☆ STEP 1 : Register for free on our website ☆ ☆
If you are new to our service, please visit our website ( www.919usa.com ) and click on the Please register online by clicking on the "Register" button on the home page. A resume in English is required for registration. Please prepare a Word or PDF file of your resume.
*If you are busy, you can also use our Express Registration service by sending your resume by e-mail.
E-mail:quick@919usa.com
Please send us your resume in English as an attachment. We will contact you shortly.
☆ ☆ STEP 2 : Counseling ☆ ☆
Our recruiting consultants are experienced in all industries and job types. We provide objective career assessments and resume writing advice.
☆ ☆ STEP 3 : Provide job information ☆ ☆
From a large number of job information, we will introduce you to jobs that best suit your aptitude and needs, considering your experience and wishes based on your counseling.We are able to provide you with the most suitable job opportunities. We are able to quickly learn about trends in the job market.
☆ ☆ STEP 4 : Recommendation to a company ・ Interview with a company ☆ ☆
We will recommend you to a company after fully explaining about the company and job contents and confirming your willingness to apply. You can apply to multiple companies at the same time. We also take responsibility for arranging interviews on your behalf.
☆ ☆ STEP 5 : Offer of employment ・ Joining the company ☆ ☆
We will inform you of the results of your interview.
We will also receive your intentions and coordinate details such as employment conditions and the date of joining the company. We will follow up with you even after you join the company. Please feel free to consult with us about anything.
------------------------------------------------------
For companies considering hiring
--------------------------- --------------------------
If you are considering hiring in the US, please contact us. It is becoming more and more important to have effective and efficient human resources strategies to attract and retain people for the purpose of organizational growth and vitality. Quick USA offers flexible human resource ・ solutions to meet the needs of diversified businesses and organizational structures to maximize the use of the people you really need, when you need them. We promise to always be a reliable and professional "External Human Resources Department" to help you achieve your business objectives.
-------------------------------------------------
About QUICK USA , Inc.
------------------------ -------------------------
QUICK USA, Inc. is the U.S. subsidiary of Japan's Quick Corporation ( Code : 4318 TSE First Section ). As a member of the Quick Group, Quick USA, Inc. provides comprehensive human resources services in the U.S. by connecting people and companies. Based on the management philosophy of "Making everyone happy" and "Contributing to society through the human resources and information business", we are engaged in the human resources services business, including human resources placement ・ and temporary staffing. We are building a network of human resources with a global perspective and meeting the needs of our registrants as a reliable recruiting ・ consultant and corporate human resources staff as a professional human resources strategic partner with integrity and reliability.
QUICK USA, Inc.
www.919usa.com
www.919usanews.com
970 W 190th Street, Suite 590 Torrance, CA 90502Phone: 310-323-9190
Fax: 212-692-0853
E-mail: quickla@919usa.com
https://www.919usa.com -
- Useful info / Education / Lesson
- 2024/05/20 (Mon)
Vivinavi Los Angeles🍀Face-to-face and online "Language Level Check !" is now available ~ 🍀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 offer a wide range of certification exams, including TOEIC, TOEFL, and EIKEN, as well as English, Spanish, and Korean,
in-person or online.
ESL Institute LA! has passed EIKEN Level 1, TOEIC 900+, and other
certification exams.
Whether you want to learn a language for fun or academically, ESL Institute LA!★ ESL Institute LA! Level Check Coupon ★.
-
- Useful info / Professional
- 2024/05/01 (Wed)
Vivinavi Los AngelesNeed help with your divorce ❓ Call us for a free initial consultation ( 1 5 minute ). Reasonable legal fees.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)
LAW OFFICES OF MIYUKI NISHIMURA
We can solve your problems at the Law Office of Miyuki Nishimura.
If you are troubled with divorce problems, etc., ?
please feel free to contact us.
We offer a free 15 minute initial consultation.
Simple Divorce $ From 1500.
All consultations are in Japanese, so we can help you understand the legal language and help you make an informed decision.
Divorce Divorce
Custody Custody
Child Support Child Support
Spousal Support
Division of Property Division of Property
Domestic Violence Prevention
Premarital Agreement
Please contact us with your concerns.Please feel free to contact us.
Nishimura & Miyuki Law Office
Mon - Fri: 9 am to 6 pm
If you have any questions or concerns, please contact us at
miyuki@lawofficeofnishimura.com
For reservations or estimated costs, please contact us at
joan@lawofficeofnishimura.com
https://www.lawofficeofnishimura.com/jaFirst 15 minutes free
-
- First-time / Beauty / Health
- 2024/05/06 (Mon)
Vivinavi Los AngelesEyebrow Art Makeup] Flow from Hearing to TreatmentThis 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 following is the flow of eyebrow artmake-up from your visit to the treatment.
1. Hearing
The image you want to have ( gentle impression ? cool and sharp ? ) and
concerns about eyebrows ( no hair at the end of eyebrow, not the same shape on both sides, not knowing which eyebrow suits you )
First, we will ask you about the following.
*If you have a picture of your ideal eyebrows, please bring it with you on the day
2. Counseling based on eyebrow diagnosis
Your bone structure and face shape ・ We analyze your habits and the state of your own eyebrows
We will guide you based on your eyebrow diagnosis to find the ideal eyebrows for you.
We will then recommend
which technique ( microblading / powder blow / or combo brow ) is best suited for you ・ and what can be done to bring your eyebrows closer to your ideal brows based on the diagnosis.
3. Design
Using various tools, we actually draw eyebrows on your face with a pencil
and you can see the finished image.
*We will make adjustments until you are satisfied with the shape. We do not compromise. !
4. Anesthetic cream
Once the shape is decided, anesthetic cream is applied to the eyebrows and wait for 20 minutes.
5. Color Selection
While waiting for the anesthesia to take effect, we will select the color to be used together.
6. Start of the treatment
Relax and leave the rest to us ^^
The total time from the hearing to the completion of the treatment is 2.5-3 hours.
Please feel free to contact us for your eyebrow concerns^^
*************Normal Menu**************
Eyebrow Art Makeup
Initial : $ 390
( Touch up within 6-10 weeks : $ 80 )
Eyeliner ( Lashline Enhancement)
First : $ 390
( Touch up within 6-10 weeks : Free )
Lip
First : $ 390
( 6 -10 weeks touch up : $ 80 )
***************************************
TAKAGI BROWS
24018 Vista Montana, Suite A, Torrance, CA 90505 (inside Salon de Nobi / near PCH&Anza)
* Before / After photos from the following instalink ↓ ↓First time $ 30 off
-
- Wanted / Education / Lesson
- 2024/05/28 (Tue)
Vivinavi Los AngelesMitsuko Floral] ~ Flower Class ~ First timers and experienced arrangers are welcome !.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)
Mitsuko Floral] Summer Classes Open !
Mitsuko Floral's flower classes are renowned for their fun, easy, yet gorgeous results 🌸
First time and experienced arrangers welcome!First time and experienced flower arrangers are welcome!
Since it is summer, now is the time to try ! I want to learn ! I want to get better ! This is for you.
Please feel free to join us at your convenience.
🌸 June,July Flower Class : Summer Arrangement
Every Tuesday 10:00-12:00
*With 3 or more participants
*We have a variety of programs, so please join as many times as you like. !
Participation fee : $ 45 ( Including materials )
Why don't you add your own flower arrangement to your life ?
If you are interested in joining us, please callin advance. If you are interested, please call ・ or email us in advance.
☎ (818) 257-1199
✉ mitsuko@mitsukofloral.com
We look forward to your participation.
Mitsuko Floral -
- Introduction / Professional
- 2024/05/10 (Fri)
Vivinavi Los Angeles■ ■ ■ Career change for Japanese-English bilinguals ・ For employment, please contact IIICAREER (IIICAREER)} ! ■ ■ ■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 are the largest network of Japanese-affiliated recruitment ・ agencies in the U.S. Our experienced consultants provide attentive service based on more than 27 years of experience and trust.
We are the largest network of Japanese staffing agencies in the U.S.
= = = = = = = = = = = = = = = =
Job Change ・ Free Assistance in Finding Employment
= = = = = = = == = = = = = = = =
Using Job Navigator ®, our proprietary integrated database system that connects job seekers with employers, we offer a wide range of services for Japanese-English bilingual ・ non-bilingual We use Job Navigator, our proprietary integrated database system that connects job seekers with employers, to introduce a variety of positions that match your preferences and background, from entry-level Japanese-English bilingual to accounting ・ HR, general administration, sales, engineering, and executive-level positions.
= = = = = = = = = = = = = = ==
Largest network in the Japanese industry
= = = = = = = = = = = = = = = = =
Cities ・ that get from the largest network in the U.S.We offer a variety of consultation services, including "live information" on job availability, economy, trends, and realistic job search information in each region.
Locations : New York, Jersey City, Washington DC, Cincinnati, Chicago, Atlanta, Nashville, Houston, Dallas, Silicon Valley, Los Angeles Honolulu, Tokyo
= = = = = = = = = = = = = <10664>= = =
Please contact us !
= = = = = = = = = = = = = = = = =
We are happy to help you find a job after university graduation, or to discuss your new job with relocation support Please feel free to contact us at iiicareer LA branch.
iiicareer | Interesse International Inc. LA Branch
Website: https://iiicareer.com/
Email: lajobs@iiicareer.com -
- Useful info / Education / Lesson
- 2024/05/06 (Mon)
Vivinavi Los AngelesEnglish Conversation] Yoko-sensei's "One Phrase to Get Closer to Native English Speakers" ! !.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)
Yoko-sensei's "Short Phrases to Remember"
Here are some phrases that are simple, but when it comes time to say them in English, you'll say "Eh ?" !
Let's go around using one phrase a week !
Try to use them everyday. Then it will be your expression😊
1️⃣ Whatever happened to her?
> What happened to her ?
2️⃣ You rock.
> You're the best. "You're great" or "You're awesome." It has the same meaning.
3️⃣ Don't take things personally.
> Don't be a pussy.
4️⃣I have a heartburn again.
> I have heartburn again.
5️⃣ He is a halfway decent man.
> He is a decent man in his own right.
BYB is a school where speaking English is fun ⭐️
[English continues because it's fun. English will improve. !
Since its opening in 1985, BYB English Center has continued to offer one-on-one English lessons to students of all ages, with the goal of
meeting each student's needs as thoroughly as possible. The Center continues to offer one-on-one lessons to students of all ages.
BYB's one-on-one lessons are tailored to each student's level and needs, so that
students can learn what they want to learn without wasting time.
Please contact us for more information !. -
- Useful info / Life / Housing
- 2024/05/01 (Wed)
Vivinavi Los AngelesRecent Mortgage Loan Situation] - Real Estate ・ Having trouble with your mortgage? Contact an Expert Who Knows the American Financial Industry ! Sakura Capital CorporationThis 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 goal of economic policy is [economic growth ・ controlling inflation ・ achieving full employment ・ stabilizing the balance of payments], and the U.S. economy is currently focused on controlling inflation.
The central bank of the United States is the Federal Reserve Bank ( FRB ) which determines the appropriate interest rate at a meeting of the Federal Open Market Committee and applies it as the policy rate.
This set interest rate has an immediate impact on short and long term interest rates in the US.
Although it takes some time for the policy rate to affect the real economy, changes in interest rates have a significant impact on our real lives, including interest rates on deposits, credit cards, real estate loans, and commercial loans.
As of September 27, 2022, the policy rate determined by the FOMC increased the Federal Fund Rate by 0.75% to 3.25%.
This rate is expected to rise to at least 4.125% over the remaining two FOMC meetings before the end of this year.
This sharp rise in interest rates has led some pundits to believe that the U.S. economy will inevitably enter a recession, with the current 2-year and 10-year Treasury rates at 4.27% and 3.956%, respectively, and long-term interest rates lower than short-term rates.
This rise in interest rates is a Government Sponsored Enterprise in the U.S., primarily 30-year long-term fixed rates for Fannie Mae and Freddie Mac, which purchase Mortgage Backed Securities. It has pushed the Mortgage Loan Rate above 6%.
This sharp rise in interest rates has halted the real estate price increases that have been occurring for the past several years, and has led to the phenomenon of real estate sales transactions.
If the U.S. economy enters a recession next year, we will see a situation where people who have been forced to purchase real estate at high interest rates and lose their jobs will lose Equity, meet with Foreclosure, and have to sell their real estate.
Although there are regional differences, real estate prices are not expected to rise for the next 1 , 2 years.
Mortgage Loan Broker business has taken a turn for the worse and many companies are cutting jobs.
The lending criteria for real estate loans seems to have eased somewhat from the strict criteria used in the past with No Corona, but the criteria for loans still require that the monthly total of all debts be within 43% of the monthly gross income to meet the loan criteria. No change.
Especially for those who are self-employed, the average of two years' figures reported on Tax Returns, etc. will be taken, so even if you increase your salary just before applying for Loan, you may not be able to meet the requirement.
There is no point in refinancing a Loan when interest rates are rising rapidly from a temporary low, unless there is an urgent need to take out Equity. ?
This situation will continue until either the US economy enters a recession or the current Inflation Rate falls to the 2% level that the Fed is aiming for.
■ Sakura Capital Corporation
Mortgage loans are changing daily due to fluctuations in long-term interest rates.
Based on many years of experience, we know how much Loan can be obtained and at what interest rate and terms.
With our long experience in dealing with banks, we can give you a quick Yes, No, or Yes with conditions !
Please feel free to contact us for more information.
CALL : ( 310 ) 339-0737
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