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Showing [Finance / Insurance]

    • Useful info / Finance / Insurance
    • 2026/04/06 (Mon)
    Vivinavi Silicon Valley

    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)

    Earthquake insurance in California, actually not covered by homeowners insurance

    🏠 Do you know about earthquake insurance in California ？

    If you live in California,
    you have probably wondered about earthquakes at least once.

    Actually, what is not surprising here is that …

    👉 damage caused by an earthquake is not covered by regular home insurance
    .

    📌 Earthquake insurance is ？

    a specialized insurance policy （ Earthquake Insurance ） to cover damage caused by an earthquake.

    In California, this insurance is purchased primarily through a program called the California Earthquake Authority （ (CEA).

    🧱 What is covered ？

    The three main types of coverage are ：

    ✔ Building （ Dwelling ）
    → Repairs ・ Rebuilding Costs

    ✔ Household Goods （ Personal Property ）
    → Furniture ・ Home Appliances etc

    ✔ Additional Living Costs ALE ）
    → Temporary housing （ Hotel and other ） expenses

    ⚠ ️ Key Points to Know

    Earthquake insurance is very important but
    it is also important to understand its features It is important to understand the characteristics of earthquake insurance.

    ① Co-pay （ Deductible ） is large
    → typically 5%-25%
    Example ： $ 500,000 home × 15% = $ 75,. 000 co-pay

    ② often not available for small damages

    ③ positioned as "insurance against major disasters"

    🤔 For those who are not sure whether to join

    this is a common
    The answer is "it depends on each person".

    The decision point is ：

    ✔ In case of emergency, can you rebuild at your own expense
    ✔ Mortgage balance
    ✔ The attitude towards risk

    etc. It depends on.

    📝 Summary

    ✔ Earthquakes are not covered by home insurance
    ✔ Dedicated earthquake insurance is required
    ✔ but the co-pay is large
    ✔ It is important to consider it as "catastrophe

    ✉ ️Consultation

    "Does my current policy cover earthquake ？?"
    "Is it necessary in my case ？? <11469> If you have any concerns such as
    please feel free to contact us. Just a review is fine.
    Please contact us at nkato@farmersagent.com or through the Town Guide.

    • Introduction / Finance / Insurance
    • 2026/04/01 (Wed)
    Vivinavi Dallas

    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 your insurance ！ Japanese language ・ Free quotation ！ ！

    Farmers Insurance, America's leading insurance company that continues to be trusted.
    We will select the best plan for each customer's needs and provide prompt and detailed explanations.
    We provide total support in Japanese from quotation, application to accident handling, so you can rest assured.

    ・ Car Insurance
    Car insurance is essential for driving a car in America, a society of cars. We will select a plan that fits your needs.

    ・ Home Insurance / Renters Insurance （ Renters Insurance ）
    Home Insurance protects your precious home. Fire, theft, lightning, hail, etc. We will help you choose the right plan for you.
    Renters insurance is for people living in apartments and rented houses.　　　

    ・ Life Insurance / Private Annuities
    Various plans are available. There are also plans that do not require a medical examination, so please feel free to
    consult with us even if you are concerned about your current health condition.

    ・ Health Insurance / Medicare
    We also offer PPO health insurance, which can be used in Japan and has a low deductible, and Medicare ・ Supplement （ Medigap ）
    .

    ・ Pet Insurance
    This insurance covers the costs incurred when your beloved pet, a member of your family, receives medical attention and treatment for illness or injury.

    ・ Business Insurance
    We protect your business in America, a nation of lawsuits.　We will help you choose the right insurance policy for your business.


    If you would like to review your current insurance plan, consult with us, or have any questions, please contact us anytime.

    ・ We want to reduce your premiums.
    ・ I want to change my insurance policy.
    ・ I want to know if the plan I have joined is right for me.
    ・ I am concerned about my current health condition and would like to purchase life insurance/individual annuity that does not require a medical examination.

    There is a possibility to save a lot of money on insurance premiums.　Please feel free to contact us for a free quote in Japanese.


    Yasuhiro Yoshimi
    Cavaness Insurance Agency
    14110 Dallas Parkway #125, Dallas, Texas 75254
    Office: ( 972) 769-9136
    Japanese Line (469) 795-1190
    yasuhiro.rnicholson@farmersagency.com
    https://texasjapaneseinsurance.com

    保険生命保険個人年金健康保険メディケア
    • Signature service / Finance / Insurance
    • 2026/03/31 (Tue)
    Vivinavi 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)

    [U.S. Tax Returns] Leave it to us ！.

    ＼ ＼ Tax return time has arrived ／ ／

    We provide the best tax advice for each of our clients ！
    Our US tax experts will assist you ！
    US tax questions, ！

    Japanese ・ Chinese ・ English is available💡

    [Corporate Tax Returns]
    Small and Medium Business Tax Returns
    We will help you comply with US tax laws and pay the appropriate tax amount. We will assist you.

    [Individual Tax Returns]
    For Country Resident and Non-Resident Taxpayers
    We will assist you in filing your tax returns and help you legally receive the maximum refund possible.

    [Partnership Taxation]
    Corporate Taxation with Partners
    For those who operate a business with partners, we help you manage your tax liability.

    We also offer
    [Gift Taxation]
    [1031 Exchanges]
    [Foreign Estate Tax Law]
    [Estate ・ Trust Taxes]
    [Tax Planning and Consulting] and more.

    Please feel free to contact us.

    • Event / Finance / Insurance
    • 2026/03/26 (Thu)
    Vivinavi Los Angeles

    オンライン同時開催決定！賢く使って暮らしを豊かに! リバースモーゲージ解説セミナー 2026年3月28日（土）午前11時〜

    自宅のイクィティを現金化、返済しなくて良いローンをご存知ですか？

    【リバースモーゲージ解説セミナー】
    📅 2026年3月28日（土）午前11時〜
    📍 オレンジアイランド・カルチャーサロン
    （17811 Sky Park Cir. #J, Irvine, CA）
    💰 参加無料（軽食付き）

    「リバースモーゲージって本当に大丈夫？」

    ✔ 家を差し押さえられる？
    ✔ 売却できなくなる？

    そんな不安を日本語でわかりやすく解説します。

    リバースモーゲージとは

    ・62歳以上から利用可能（場合によっては55歳以上）
    ・自宅のイクイティを現金化
    ・亡くなるか転居するまで返済不要
    ・新しい住宅購入にも活用可能

    こんな方へ

    ・住宅ローンが残っていて引退できない
    ・家の資産を有効活用したい
    ・老後資金にゆとりを持ちたい

    理解すれば怖くない！
    ぜひご参加ください。

    ＝＝＝特別ゲスト＝＝＝
    加藤　有香（かとう　ゆか）
    TOGETHER REALTY | DRE#02032261
    『知っておきたい米国シニア住宅事情について』
    ◆多種多様な引退後のハウジングニーズに応えるいろいろな方法をプロの視点から丁寧にアドバイス
    ◆買い替え、リモデル、売却して帰国など。。。
    それぞれの場合の注意点などを解説します。

    お申し込みは 949-266-7761 または 949-685-7120 (テキストまたはお電話)
    もしくは下記のリンクよりお願いします。
    https://tinyurl.com/loanseminar

    ⭐︎⭐︎⭐︎オンライン当時開催決定！⭐︎⭐︎⭐︎
    オンライン参加の方は、上記よりお申し込みいただいた後、セミナー前日までにGoogle Meetのリンクをお送りします。

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    参加無料！軽食付き！

    • Problem solution / Finance / Insurance
    • 2026/03/17 (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)

    Life Insurance （ Life Insurance ） Do You Know the U.S. Life Insurance World ？

    …
    "I hear that American insurance programs are better than those in Japan, but it's true.

    In fact, there are five types of life insurance in the U.S. that are not well known in Japan.
    The following two are the most commonly offered in Japan.

    ・ Term Insurance （ Term Insurance ）
    ・ Whole Life Insurance （ Whole Life Insurance ）

    However, in the United States, the choices are even wider. In the U.S., however, the choices are even wider.

    The feature of these plans is that they can be used not only for "protection" but also for "asset building".

    Five types of life insurance in the U.S.
    ■ ■ ■
    1, Term Insurance （ Term insurance ）
    A low cost, lump sum type. However, premiums for renewal after the contract period will increase significantly depending on the age of the insured.

    2, Whole Life Insurance （ Whole Life Insurance ）
    An accumulation type that lasts for a lifetime. It provides a stable interest rate of around 4%. Monthly premiums are higher, but it is a secure, high street type.

    3, Universal Life Insurance
    5 ～ 7% interest on savings and flexible payment amount. It is attractive because it can be adjusted to fit your life plan.

    4, Variable Universal Life Insurance
    A type that invests savings in mutual funds. Depending on the market, assets may grow significantly. For those who seek risk and return.

    5, Index Universal Life Insurance
    Linked to market indices （ such as S&P500 ）. Guaranteed lower rate （ of about 1% ）, capped at over 12%. Features the ability to protect your principal while enjoying the upside of your investment.

    Hawaii residents also have peace of mind ！
    ・ Expatriates ・ Foreign students ・ Spouse visa holders can also join
    ・ Some plans can be continued after returning home
    ・ American Individual Annuities （ Annuities ） and Long-Term Care Insurance

    Recommended for ！
    ・ Those who are worried about Japanese insurance alone
    ・ Those who want to secure a source of income after retirement.
    ・ Those who want to secure a source of income after retirement
    ・ Those who want to build assets in US dollars

    We accept quotes at any time.
    Please feel free to contact us.

    Please feel free to contact us.

    • Problem solution / Finance / Insurance
    • 2026/03/13 (Fri)
    Vivinavi 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)

    Tax Support ＆ Financial Advisory "From Freeing Tax Season to Building the Strongest Foundation for Growing Assets"

    CPA （ smoothly collaborates with certified public accountants ） to provide complete support for tax preparation, from daily transaction reconciliation to preparation of necessary documents.
    We completely free business owners from the hustle and bustle of the tax season.

    Furthermore, we not only keep the books, but also create ・ and analyze financial reports based on organized and accurate figures that are directly related to business decisions.
    P&L （ Income Statement ） We can provide comprehensive consultation on not only reviewing expenses and improving cash flow by utilizing the income statement but also "building the strongest financial foundation to increase assets" for future business growth.

    Please feel free to contact us first.

    • Signature service / Finance / Insurance
    • 2026/03/12 (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)

    Let "Mare Tax&Accounting" handle your tax returns.

    Mare Tax&Accounting," a community-based tax ・ accounting service, helps clients manage their finances smoothly through
    tax returns and other tax services.
    We are committed to optimizing tax efficiency while ensuring compliance with laws and regulations, and we are ready to file your tax returns with confidence.

    We reduce the anxiety and burden of tax-related issues by working closely with each client's individual situation and providing a clear and courteous service.
    We leave the complicated procedures to you so that you can concentrate on the growth and development of your business.

    Mare Tax&Accounting is a trusted tax partner that values accuracy and transparency.
    Contact us today to discuss your tax return.

    See Bibinavi ！ for 10% off your bill!

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