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    • Useful info / Finance / Insurance
    • 2024/06/03 (Mon)
    Vivinavi Hawaii

    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.

    • Signature service / Life / Housing
    • 2024/05/14 (Tue)
    Vivinavi Hawaii

    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 system kitchen that is just as easy to clean as a Japanese kitchen. We will give you a free estimate.

    Our durable and highly functional Japanese kitchens will enrich your Hawaiian life.

    -A kitchen that is used everyday, so it should be easy to use -

    ・ All stainless steel kitchen that protects from mold and termites for over 30 years
    ・ Dream range hood that automatically cleans filters and fans in 10 minutes.
    ・ Special ceramic coating allows for easy cleaning with a quick wipe
    ・ Special water channels prevent debris from accumulating in the rail sink
    ・ Automatically raises and lowers storage cabinets at the touch of a button. Easy access to high cabinets and back storage.
    ・ Customizable from size to color, a kitchen to suit your needs.

    With 20 years of experience in Hawaii, we work with architects, designers, and carpenters to provide a full range of services from consultation to delivery.
    We also undertake renovation work on an apartment basis.

    We offer free consultation, on-site measurements, and estimates.

    Please feel free to contact us.
    We look forward to hearing from you.

    https://www.sannaka-house.com

    Free of charge for all proposals, measurements, site inspections, and estimates.

    • Press Release / Corporation / Manufacture
    • 2024/05/16 (Thu)
    Vivinavi Hawaii

    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)

    Delivering Japanese food culture through the sale of Japanese rice ！ Kubota Rice Industry (Hawaii) Inc. started selling Japanese rice in Hawaii ！.

    Kubota Rice Industry （ Hawaii ） Inc. held an opening ceremony on May 10, 2024 to celebrate the start of import ・ milling ・ and sales of Japanese rice within the state of Hawaii this year.
    We import safe ・ and tasty rice produced in Japan in brown rice condition, milled locally in Hawaii, and delivered to our customers in fresh condition.

    Through this sale in Hawaii, we hope that "rice is a perishable food, and because of its freshness, we want everyone in Hawaii to know what is fresh and eat delicious rice." We believe that this is the best way to achieve this goal.

    We also believe that "Kubota is doing this under the slogan of supporting people who support Japanese agriculture, so we want people to feel the culture and characteristics of Japan and the goodness of Japan itself through the export of rice.

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

    Currently we sell our products for commercial use, mainly to restaurants, but we have also started retail sales for individuals to enjoy.

    ＜ OKABE SHOTEN ＞
    Freshly milled delicious Japanese rice is available through OKABE SHOTEN ！
    Delivery to your home is included. ！
    Price ： $30/15lbs ～ （ *Price varies depending on type and quantity of rice, so please call or send a text message to the following for details ）

    OKABE SHOTEN
    Address ： 439 Kalihi St, Honolulu, HI 96819
    Phone ： (808)265-3472

    Please take this opportunity to taste Kubota's delicious Japanese rice! ！ Please take this opportunity to taste Kubota's delicious Japanese rice.

    • Introduction / Auto / Motorcycle
    • 2024/05/29 (Wed)
    Vivinavi Hawaii

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

    We can take care of all your car needs in Hawaii!

    Aloha Auto Depot is your one-stop shop for all your long-term vehicle rental needs, including used car sales, new car buying assistance, detailing, glass coating, maintenance, repair/registration/safety work, custom orders, lost title, and more. We have local connections that allow us to provide better service than other companies.

    Aloha Auto Depot has three fully bilingual Japanese ＆ English speaking staff to assist you.

    We are also flexible and can respond to any incidents such as sudden car breakdown or battery failure.

    We have seen many car dealerships in Hawaii that have been unable to respond to our customers' needs. $ We have seen cars that were bought at 10000 and the parts inside were badly damaged, or the engine light was turned off after pretending to fix the engine. ？
    At Aloha Auto Depot, we provide our customers with trust and peace of mind.

    We have an office in Kalihi, close to the airport, and we can serve Kakaako, Ala Moana, Waikiki, Kahala area （ and other areas ）.

    If you have any questions or requests, please feel free to contact us in Japanese.

    • Introduction / Life / Housing
    • 2024/05/31 (Fri)
    Vivinavi Hawaii

    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)

    ＼ Let friendly Hyunji help you buy your first overseas property ／.

    🔴 My motto is "Prompt, Courteous, Trustworthy"
    🔴 Multilingual （ Available in Japanese, English and Korean ）
    🔴 Open 24/7 for inquiries ！
    🔴 We handle a lot ！ From general properties to luxury properties, feel free to contact us. Please feel free to contact us.
    🔴 We have many properties available throughout Oahu.
    🔴 If you are coming from Japan, we can arrange airport pick up and drop off.

    Hyunji Martinez / Ivy K Realty LLC
    Hawaii State Realtor License No. ： RS-87059
    Tel. +1-808-460-0276(Direct)
    E-Mail. hjmartinez2024@gmail.com / hjm@ivykrealty.com

    • Satisfaction guaranteed / Life / Housing
    • 2024/05/11 (Sat)
    Vivinavi Hawaii

    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)

    Now 15% discount on air conditioner filter cleaning ・ installation: ‼️

    How about cleaning the filter of your air conditioner before summer ⁉️
    Now we offer 15% discount for filter cleaning ・ installation of air conditioner ‼️
    Limited time offer until the end of June ！


    If one of the above applies, request cleaning ！

    ・ You should have your air conditioner cleaned ？ Check

    ・ It has been more than 2 years since you bought your air conditioner

    ・ You have never

    ・ The filter of the air conditioner has not been cleaned for more than a year

    ・ Black spots appear on the air conditioner outlet

    ・ The air conditioner seems noisy

    Cleaning is recommended for summer.




    If you have bought a new house,

    or if you have renovated your house,

    please contact us. Please contact us ‼️

    for a free estimate ‼️


    We also provide services in Japanese, so please do not worry ！.

    Estimate ＄ 100, now free ！.

    • Signature service / Fashion / Apparel
    • 2024/05/13 (Mon)
    Vivinavi Hawaii

    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)

    ［ June Bride ］ What to Wear to a Wedding in Hawaii ？ When in doubt, Moo Moo Rainbow

    June is the season for weddings ♪
    Since it's your wedding in Hawaii, you may be wondering, "I want to wear something unique to Hawaii ！ but... ？ If you are wondering "What should I wear?
    Hawaiian Moo Moo ＆ Why don't you coordinate with our resort style Aloha shirts ？

    We are proud to have the No.1 selection in Waikiki ♪
    A wide variety of colors, sizes and styles ♪
    Please come to us! ！

    https://muumuurainbow.com

    Muumuu Rainbow (Waikiki Business Plaza, 11th floor, at the end of the building ）
    2270 Kalakaua Ave. #1105
    Honolulu, HI 96815
    TEL:808-921-8118