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    • Signature service / Education / Lesson
    • 2024/09/27 (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)

    Starting Today ！ ■ ■ English Conversation Club in Waikiki ■ ■

    English Conversation Club "Palms Meet UP!" finally starting today

    2nd ・ 4th Friday of every month at 5 ： 30-7 ： Starting at 30

    9/27 ： A few openings.
    10/11 ： Can sign up
    10/25 ： Can sign up

    2nd ・ 4th Friday of each month

    "In English ・ ・ ・"
    I want to have a chance to talk casually
    ・ I want to meet friends who are studying
    ・ I want to have international exchange
    ・ I want to communicate with various people
    ・ I just moved and want to have friends
    Want to exchange information about Hawaii

    Please feel free to join us by yourself or with your friends ！

    Please adhere to Hawaii Palms English School's "English Only Policy" and join us at our school located in the heart of Waikiki. We are looking forward to having you join us at our school located in the heart of Waikiki, and we would like to provide you with an opportunity to make new friends and exchange information in English. Let's create a casual English community ！

    If you have time after work, please come to our school ♪.

    • Useful info / Professional
    • 2024/09/26 (Thu)
    Vivinavi Ichihara

    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)

    ＜ Pear juice from the tap ＞ green kitchen car may be in your town today⁉

    We sell delicious food at green kitchen car ！


    ＜ MENU ＞
    ◇New texture sweet croffle
    ◇Pear juice, grated pear tea soda
    ◇Many other menu Yes ✨

    =October Stall Information ＝
    ◎October 6 Chiba Port Tower Flea Market Stall ≪(Chiba Port Tower Park ≪)
    ◎October 12-13 Autumn Naru Marche （ Nagara-cho Urban-Rural Exchange Terminal
    ◎10/19 Chiba Port Tower Park
    ◎10/26 Wakkamiya Marche （ (Ichihara City Wakamiya Central Park)
    ◎10/27 Community Exchange Festa\ (Ichihara City Kokubunji Community Center)

    ！

    If you find us, please experience our special menu ☆
    We are waiting for you!

    We are also looking for stall locations, so please feel free to contact us🚗💚

    ◇◇◇◇◇◇◇◇◇◇◇◇◇◇◇◇◇
    One Heart Agent
    0436-37-6441

    • Signature service / Education / Lesson
    • 2024/09/26 (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)

    Eurhythmics Program for 2-6 year olds This is a great place!

    Your child asks you every day, "I want to go back to Eurhythmic ！ when is the next time ？".
    We provide the latest rhythmic materials and knowledge in Hawaii to make learning fun, ambitious and motivating!

    Statistics have shown that children who have developed an absolute sense of pitch and rhythm are able to perceive words as "music" and are good at pronouncing sounds correctly, even in a language they are hearing for the first time. This ability is a key factor in the success of children who live in Hawaii. This ability can be a great advantage for children living in Hawaii to play an active role in the global society.

    With a sense of absolute pitch and rhythm, children will be able to fully appreciate the beauty and fun of melodies and rhythms, and truly enjoy music ！ And with a sense of absolute pitch, they will be able to play a song they have never heard before on the piano without sheet music, based on their "sound memory". And if you have absolute pitch, you will be able to play a piece of music for the first time by following the "memory of notes". And with absolute pitch, students will be able to practice piano by themselves without a piano instructor or a parent.

    A sense of absolute pitch and rhythm is also said to be beneficial for brain development. It is said that musical education at an early age greatly develops the areas involved in language comprehension and mathematical abilities. Studies have shown that children with absolute pitch have IQs that are 10 ～ 20 points higher than average.
    This may be due to the fact that the development of auditory perception through absolute pitch allows for a greater input of information and knowledge from the ears.
    The increase in knowledge also stimulates the brain and is expected to improve concentration and memory.

    Reference: University of Chicago, cited by the American Psychiatric Association.

    No materials fee/presentation; August group class is full, September group class is full, October group class is now accepting applications

    Family lessons ・ Private sessions/once a week/30 minute sessions/piano ・ Keyboard is also included in the study content
    once $ 40 ╦ (any member of the family can participate with children, $ 40 for multiple members of the family)
    / no material fee / participation in piano recitals at UH

    After 2 months you will feel the amazing effect.

    Please feel free to contact us in Japanese for any inquiries.
    (808)371-8910 Polanji Music School

    See Bibinavi! and the teaching materials fee is waived!

    ハワイリトミックハワイ幼児英才教育ハワイ幼児音楽教室ハワイ有名ピアノ音楽教室リトミック教室ハワイ人気のピアノ音楽教室
    • Wanted / Professional
    • 2024/09/26 (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)

    Japanese Language School ・ English Conversation School] and other educational businesses for sale ？.

    Hawaii business to our client.


    Buyer is a Japanese business owner.


    Any small business or store is acceptable.


    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 contract is completely free of charge until the contract is signed.

    [Overseas ・ More than 80 domestic contracts have been concluded].




    ●The representative is an administrative scrivener specializing in contract drafting, which is confidential by law.

    We have been operating our 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
    ◇Lash extensions ・ 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 ・ Temporary staffing
    ◇Car rental company ・ Used car sales ・ Farms etc.


    *Los Angeles and other mainland US and other English speaking businesses ・ Corporate ・ Shops etc. are 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 from the 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 .
    ↓ ↓ ↓
    ──────────────────────────────

    • Wanted / Medical
    • 2024/09/26 (Thu)
    Vivinavi San Francisco

    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)

    Egg donors wanted. Gratuity $ 10,000- $ 20,000. travel expenses also paid separately.

    Egg Donor （ Egg Donor ） living in the U.S. We are looking for egg donors .
    Gratuity ＄ 10,000~ $ 20,000.
    (We will also pay for your transportation, food and hotel expenses if you go far away. ）

    ＊ We are currently also looking for Japanese donors who live in the US and are highly educated.
    We will pay up to $ 45,000 honorarium to qualified donors ＊

    We are looking for healthy women, both physically and mentally, between the ages of 20 and 29 living in the U.S.
    who do not smoke and have a flexible morning schedule. We are looking for someone who is flexible.

    Headquartered in Pasadena （ California ） but we have affiliated clinics throughout the US.
    （ If you cannot travel far, you can register with a clinic near your home. ）

    ＊ If you come from far away, you will have to come twice.
    The first visit will be one day for screening and the second visit will be 5-10 days for egg retrieval.

    Genesis ・ Group is an agency that has been supporting
    egg donation and surrogacy for over 10 years for couples suffering from infertility worldwide.
    We are affiliated with specialized doctors and attorneys and are
    ready to provide full support.
    We are also licensed by the New York State Insurance Department,
    making us one of the top agencies in New York.

    We are committed to confidentiality
    and will never share your information with anyone outside of our company or clinic
    and you can rest assured that your information will be kept confidential.

    If you are willing to cooperate with us,
    please fill out the application form on our website
    → https://ja.genesissurrogacy.com/egg-donor- application
    We will contact you later.

    If you have any questions, please feel free to contact us anytime.

    Please help us
    to help couples who want to have children.


    ＊ If you are interested in freezing your eggs for future use,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    • Wanted / Medical
    • 2024/09/26 (Thu)
    Vivinavi San Francisco

    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)

    Egg donors wanted. Gratuity $ 10,000- $ 20,000. travel expenses also paid separately.

    Egg Donor （ Egg Donor ） living in the U.S. We are looking for egg donors .
    Gratuity ＄ 10,000~ $ 20,000.
    (We will also pay for your transportation, food and hotel expenses if you go far away. ）

    ＊ We are currently also looking for Japanese donors who live in the US and are highly educated.
    We will pay up to $ 45,000 honorarium to qualified donors ＊

    We are looking for healthy women, both physically and mentally, between the ages of 20 and 29 living in the U.S.
    who do not smoke and have a flexible morning schedule. We are looking for someone who is flexible.

    Headquartered in Pasadena （ California ） but we have affiliated clinics throughout the US.
    （ If you cannot travel far, you can register with a clinic near your home. ）

    ＊ If you come from far away, you will have to come twice.
    The first visit will be one day for screening and the second visit will be 5-10 days for egg retrieval.

    Genesis ・ Group is an agency that has been supporting
    egg donation and surrogacy for over 10 years for couples suffering from infertility worldwide.
    We are affiliated with specialized doctors and attorneys and are
    ready to provide full support.
    We are also licensed by the New York State Insurance Department,
    making us one of the top agencies in New York.

    We are committed to confidentiality
    and will never share your information with anyone outside of our company or clinic
    and you can rest assured that your information will be kept confidential.

    If you are willing to cooperate with us,
    please fill out the application form on our website
    → https://ja.genesissurrogacy.com/egg-donor- application
    We will contact you later.

    If you have any questions, please feel free to contact us anytime.

    Please help us
    to help couples who want to have children.


    ＊ If you are interested in freezing your eggs for future use,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    • Wanted / Medical
    • 2024/09/26 (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)

    Egg donors wanted. Gratuity $ 10,000- $ 20,000. travel expenses also paid separately.

    Egg Donor （ Egg Donor ） living in the U.S. We are looking for egg donors .
    Gratuity ＄ 10,000~ $ 20,000.
    (We will also pay for your transportation, food and hotel expenses if you go far away. ）

    ＊ We are currently also looking for Japanese donors who live in the US and are highly educated.
    We will pay up to $ 45,000 honorarium to qualified donors ＊

    We are looking for healthy women, both physically and mentally, between the ages of 20 and 29 living in the U.S.
    who do not smoke and have a flexible morning schedule. We are looking for someone who is flexible.

    Headquartered in Pasadena （ California ） but we have affiliated clinics throughout the US.
    （ If you cannot travel far, you can register with a clinic near your home. ）

    ＊ If you come from far away, you will have to come twice.
    The first visit will be one day for screening and the second visit will be 5-10 days for egg retrieval.

    Genesis ・ Group is an agency that has been supporting
    egg donation and surrogacy for over 10 years for couples suffering from infertility worldwide.
    We are affiliated with specialized doctors and attorneys and are
    ready to provide full support.
    We are also licensed by the New York State Insurance Department,
    making us one of the top agencies in New York.

    We are committed to confidentiality
    and will never share your information with anyone outside of our company or clinic
    and you can rest assured that your information will be kept confidential.

    If you are willing to cooperate with us,
    please fill out the application form on our website
    → https://ja.genesissurrogacy.com/egg-donor- application
    We will contact you later.

    If you have any questions, please feel free to contact us anytime.

    Please help us
    to help couples who want to have children.


    ＊ If you are interested in freezing your eggs for future use,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    • Free trial / Education / Lesson
    • 2024/09/26 (Thu)
    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)

    Gakushu Juku Commit 2024 - 2025 Class of 2025

    Since the school's opening, our knowledgeable and experienced instructors have been helping children improve their academic skills through the use of educational technology.
    Through individualized instruction in small groups, instructors are familiar with each student's strengths and weaknesses, and proceed with lessons based on a curriculum suited to each student's goals ・ and abilities.
    Students who think they understand the content but cannot get the desired score on the test, students who have difficulty keeping up with the local school classes, students who are planning to return to Japan but do not know what to do now, etc.
    We provide the best learning environment for your child by responding to individual questions ・ and concerns and requests in a kind and polite manner. We will provide the best learning environment for your child.

    We have a network of Japanese educational institutions to support students from the U.S. who wish to enter Japanese junior high schools ・ high schools ・ and universities.
    We provide students with up-to-date information on entering Japan and help them plan their studies. In addition to preparing students for entrance exams, we also teach Japanese ・ mathematics and other subjects to help them adapt to the local classroom environment.

    The new semester of the 2024 school year starts on September 3, 2012 with the following contents.
    Applications are accepted at any time, but we recommend that you apply as soon as possible.
    Also, the tuition system will change significantly this year, so please contact us by e-mail below for details.

    We are looking forward to another year of growth and success together with you through supporting your child's learning.
    All of our teachers will make every effort to help you learn even more fully.
    Please feel free to contact us if you have any questions or concerns.

    ★ If you are a new student, please contact us first by e-mail below.
    We will send you an invitation for a free trial of study school commitment.

    For South Bay ： info@commit-tutoring.com
    For West LA and Santa Monica ： commit.tutoring.wla@gmail.com

    ◎ Regular classes are 75 minute class, classroom size up to 3 students, all face to face.

    [Class Hours]

    ＜ M-F ＞ ＜ Sat ＞
    ① 2:40pm - 3:55pm ① 9:00am - 10:15am
    ② 4:00pm - 5:15pm ② 10:20am - 11:35am
    ③ 5:20pm - 6:35 pm ③ 12:05pm - 1:20pm
    ④ 7:05pm - 8:20pm ④ 1:25pm - 2:40pm
    ⑤ 8:25pm - 9:40pm ⑤ 2:45pm - 4:00pm

    • Wanted / Medical
    • 2024/09/26 (Thu)
    Vivinavi San Francisco

    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)

    Egg donors wanted. Gratuity $ 10,000- $ 20,000. travel expenses also paid separately.

    Egg Donor （ Egg Donor ） living in the U.S. We are looking for egg donors .
    Gratuity ＄ 10,000~ $ 20,000.
    (We will also pay for your transportation, food and hotel expenses if you go far away. ）

    ＊ We are currently also looking for Japanese donors who live in the US and are highly educated.
    We will pay up to $ 45,000 honorarium to qualified donors ＊

    We are looking for healthy women, both physically and mentally, between the ages of 20 and 29 living in the U.S.
    who do not smoke and have a flexible morning schedule. We are looking for someone who is flexible.

    Headquartered in Pasadena （ California ） but we have affiliated clinics throughout the US.
    （ If you cannot travel far, you can register with a clinic near your home. ）

    ＊ If you come from far away, you will have to come twice.
    The first visit will be one day for screening and the second visit will be 5-10 days for egg retrieval.

    Genesis ・ Group is an agency that has been supporting
    egg donation and surrogacy for over 10 years for couples suffering from infertility worldwide.
    We are affiliated with specialized doctors and attorneys and are
    ready to provide full support.
    We are also licensed by the New York State Insurance Department,
    making us one of the top agencies in New York.

    We are committed to confidentiality
    and will never share your information with anyone outside of our company or clinic
    and you can rest assured that your information will be kept confidential.

    If you are willing to cooperate with us,
    please fill out the application form on our website
    → https://ja.genesissurrogacy.com/egg-donor- application
    We will contact you later.

    If you have any questions, please feel free to contact us anytime.

    Please help us
    to help couples who want to have children.


    ＊ If you are interested in freezing your eggs for future use,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    • Wanted / Medical
    • 2024/09/26 (Thu)
    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)

    Egg donors wanted. Gratuity $ 8,000 to $ 20,000. travel expenses also paid.

    Egg Donor （ Egg Donor ） living in the U.S. We are looking for egg donors .
    Gratuity ＄ 10,000~ $ 20,000.
    (We will also pay for your transportation, food and hotel expenses if you go far away. ）

    ＊ We are currently also looking for Japanese donors who live in the US and are highly educated.
    We will pay up to $ 45,000 honorarium to qualified donors ＊

    We are looking for healthy women, both physically and mentally, between the ages of 20 and 29 living in the U.S.
    who do not smoke and have a flexible morning schedule. We are looking for someone who is flexible.

    Headquartered in Pasadena （ California ） but we have affiliated clinics throughout the US.
    （ If you cannot travel far, you can register with a clinic near your home. ）

    ＊ If you come from far away, you will have to come twice.
    The first visit will be one day for screening and the second visit will be 5-10 days for egg retrieval.

    Genesis ・ Group is an agency that has been supporting
    egg donation and surrogacy for over 10 years for couples suffering from infertility worldwide.
    We are affiliated with specialized doctors and attorneys and are
    ready to provide full support.
    We are also licensed by the New York State Insurance Department,
    making us one of the top agencies in New York.

    We are committed to confidentiality
    and will never share your information with anyone outside of our company or clinic
    and you can rest assured that your information will be kept confidential.

    If you are willing to cooperate with us,
    please fill out the application form on our website
    → https://ja.genesissurrogacy.com/egg-donor- application
    We will contact you later.

    If you have any questions, please feel free to contact us anytime.

    Please help us
    to help couples who want to have children.


    ＊ If you are interested in freezing your eggs for future use,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    エッグドナー卵子提供ボランティア
    • Problem solution / Professional
    • 2024/09/26 (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)

    For job search, please contact Fellows Hawaii ！ in Japanese ！.

    Please contact us as an option for your job search ！
    （ Completely free of charge ）

    If you have a company you are interested in, please let us know.
    We will open a new business on your behalf.

    We will follow up with a full backup system so that you can work with confidence after you start work ！
    ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋
    Call 808-268-7003
    If you want to call on line from within Japan, please call ID:ohyama-fellowshawaii
    Please feel free to call us.
    ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋

    Flow from Registration to Placement

    Registration Complete appointment ・ Individual booth for your peace of mind
    ↓
    Hearing ・ Career consulting Experience ・ Skills ・ Ask about your needs
    ↓
    Job offer Introduction with company name open
    ↓
    Meeting Observation of actual working place and discussion of job content ↓
    Signing of contract Job description ・ Agreement on terms and conditions
    ↓
    Follow-up We will visit the place of work regularly to check the situation


    Registration （ Free ） We are waiting for you.

    Call us at 808-268-7003

    You can also contact us through LINE. Please feel free to drop us a line if you have any questions.
    （ LINE calls are available from within Japan ）

    ID:ohyama-fellowshawaii

    or use the message below.

    Fellow's Hawaii is the Hawaii subsidiary of Fellow's Inc. which has 12 offices in Japan ・ and Singapore
    and is now in its 21st year
    .

    Refer a friend to Fellow's Hawaii and receive a "$25 Amazon Gift Certificate" fo...

    • Useful info / Finance / Insurance
    • 2024/09/26 (Thu)
    Vivinavi Seattle

    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)

    Must See ！ ！ For First Time Home Buyers in California ！ ！

    About CalHFA]

    CalHFA is a program that helps first-time homebuyers to make buying easier.
    It provides loans for down payment （ Down Payment ） and other expenses （ necessary to make the loan ） Closing Cost .

    And this part of the loan does not have to be repaid until you sell the house or do a loan modification （ Refinance ）.
    （ Silent Second ） which is designed to make it easier to pay with lower monthly payments.

    The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
    And the borrower must be a First Home Buyer （ who has not been a homeowner for at least the past three years ）.

    There are income limits by County.
    （ Income Limit ） Must take Home buyer Education Counseling and obtain Certificate.

    [How To Apply]
    Apply only through a Mortgage Broker or Lender that handles CalHFA.
    Documents to be submitted are the same as for other loans.
    （ Pay Stubs, Bank Statement, Tax Return, Employment History, etc. ）

    First Mortgage is a Government Loan （ FHA, VA, USDA or Conventional Loan.

    Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
    but as I mentioned before, you only need to make the first mortgage （ payment ） payment .

    CalHFA Goverment Loan （ FHA ） would be supported by this program for 3 ． 5% （ of the purchase price or the lower of the appraisal value ）.
    CalHFA Conventional Loans are supported at 3%.

    Closing Cost Assistance Program is called Zip.

    It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 ． 25%.
    This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.

    Even if you purchase through one of these programs, this will not drag on for years, and
    California has a higher real estate appreciation rate than the rest of the country, so in 2 ， 3 years you will have Equity and be able to refinance your loan!

    Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
    While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.

    There are many things about loans that are not clear.
    In such cases, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.

    **************************************************************************************************************

    Currently this program is a lottery and we are not sure about the next one.
    We look forward to working with you to prepare for the next one ？ Please feel free to contact us ！

    **************************************************************** **********************************************

    住宅ローン家モーゲージ
    • Useful info / Finance / Insurance
    • 2024/09/26 (Thu)
    Vivinavi Seattle

    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)

    How to take advantage of the Reverse Mortgage, a loan program for seniors age 62 and older ？.

    Reverse mortgages are designed specifically for seniors age 62 and older. It lends against the difference ） between the Equity （ of your home （ minus your current mortgage ） if you have one , but unlike a regular loan, you do not have to make monthly payments. The only thing you have to pay is property tax and fire insurance. Even if you are paying off your mortgage, you are still paying these taxes and fire insurance, just like someone without a loan. The loan can be paid off when the house is sold. Until you sell it, you have 100% ownership of the property and it is treated the same as a regular loan. The loan can be modified as many times as you want, just like a regular loan.

    Below are some highlights of how you can take advantage of this.

    #1 You can use it to buy a house. As you get older, it can be intimidating to take on debt, but with a reverse mortgage you only need about half the down payment, depending on your age, and you don't have to use 100% cash. If you sell your current home and downsize, you can still keep half of the Cash on hand.

    #2 When you suddenly need cash, for example, a large sum of money for roof repairs, medical bills, or car repairs, problems happen when you least expect it. With a regular loan, monthly payments begin, but with a reverse mortgage, no payments occur. This program was created so that seniors can use their homeownership and not have to worry about money problems.

    #3 Increase your retirement income. We live in a world of fast-paced political and economic change. Even if you think you have a retirement plan in place, you can't help but feel anxious about the future. Recently, financial planners have begun to focus on this reverse mortgage. In addition to Social Security, you can also use a reverse mortgage to generate, for example, ＄ 1000 extra income each month. （ Unlike in the past, the FHA rules have improved and financial planners are now comfortable recommending this mortgage. The cost of the loan is now the same as a regular loan. ）

    Even if you have a loan on your home now, you can convert it to a reverse mortgage. Also, since the income is not paying off the loan, you will only be considered to be able to pay property taxes, fire insurance, and Home Owners Due （ ） if any. We would be happy to help you live a long and meaningful life. Please do not hesitate to contact us （ free of charge ） to discuss any concerns you may have about your own or your parents' retirement.



    There are many questions about loans.
    If you are in such a case, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • First-time / Professional
    • 2024/09/25 (Wed)
    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)

    ☆ Aspiration Coaching&Wave Adjustment Session ☆

    ☆ "Aspiration Coaching&Wave Adjustment Session ☆ "

    This is a session to rewrite the subconscious mind and adjust the wave motion to accelerate the realization of your desires using the "healy™", a quantum wave motion adjusting device from Germany.
    Healy is a state-of-the-art AI that accesses the information field up to the 12th dimension, measures the current energy and frequency, and adjusts the frequency to the desired state.
    This session is a "wish fulfillment coaching + vibrational adjustment". We will analyze the elements that are lacking in order to realize your desires and produce results on a graph.
    The most attractive point is that you don't have to write out your desires on your own, as it works on the 12th dimension, which is unreachable by conventional life coaching.
    We don't recommend it because it focuses on the event at the time of writing it out and there is a very high possibility that it will reappear 🎁 （ If you use a mobile phone address, we may not be able to send you the results in PDF format because of its large size. If you use a PC address, we will be happy to send it to you. ）

    《Session Details》
    ・ Cost ： 60min $ 120 → Campaign Price $ 35
    ・ Method ： Face-to-face session via zoom We will decide the date and time of the session by email ）

    《Necessary Items》
    ・ Photo
    ・ Name （ If your name has changed, please give us your full name at birth for more ）
    ・ Date of birth
    ・ Place of birth （ city is OK ）
    ・ Gender
    ・ Current address （ city is OK
    *Please send this by email or text after completing the application, as it will be required for coaching + wave adjustment.


    Aura Diagnosis&Wave Adjustment Session
    This session includes "Aura Analysis ・ Wave Adjustment".
    The current chakra state and target state are analyzed from the aura and adjusted with healy(healy).
    The AI reads and analyzes your subconscious mind, allowing you to notice things you were not aware of in your manifest mind.
    AI will even rewrite your subconscious mind to your target state.
    You will receive a PDF file of the results of the AI diagnosis 🎁 （ Please use a PC address to apply for this service, as the file size may be too large to send from a mobile phone address. ）

    《Session Details》
    ・ Cost ： 60 min $ 120 → Campaign Price $ 35
    ・ Method ： Face-to-face session at zoom We will decide the date and time of the session by email ）

    《Needed items》
    ・ Face photo
    ・ Name （ If your name has changed, please give us your full name at birth for more ）
    ・ Date of birth
    ・ Place of birth （ city is OK ）
    ・ Gender
    ・ Current address （ city is OK
    *Aura Diagnosis ・ Please send us by e-mail or text after completing the application.

    《Wave Motion Continuation》
    ♢ 3 days $ 50
    We will measure the graph again after 3 days and send it to you as PDF.

    ♢ Wave Adjustment Continuation for 7 days $ 100
    The graph will be measured again after 7 days and sent as PDF.

    ♢ Wave adjustment continues for 21 days $ 250
    It is said that cells are replaced on average for 21 days.
    It is easier to observe changes by continuing for more than 21 days.
    We will measure the graph again after 21 days and send it to you in PDF format.


    ～ AI Coaching ・ Wave and aura adjustment is recommended for people who ～
    ・ have big dreams and goals
    have studied subconscious and attraction by themselves.
    ・
    ・ You want to enjoy more light and free （ You don't know your goals or what to do In AI coaching, you just ask these rough questions. ）
    ・ Want to achieve your dreams and self-realization at high speed
    ・ Want to create a loving world centering on yourself
    ・ Want to realize your ・ You are running your own community or salon and have a leadership role to guide many people
    ・ You think you are a magician or an alien
    ・ You want to completely let go of money block and gain more
    ・ You are satisfied with your current situation, but you feel something is missing, and you want to go further

    If any of the above applies to you, you are the one who can make a quantum leap forward at an even faster pace with the frequency adjustment session. You are a person who can make a leap forward at a much faster pace through frequency adjustment sessions.
    Please feel free to contact us.

    Payment
    ♢ Zelle
    ♢ Venmo
    *Please let us know if you prefer other payment methods.

    Quantum wave adjuster healy \
    https://us.healy.shop/

    Instagram
    https://www.instagram. com/miragenie5/

    Each session 60 min. regular $ 120 → Campaign price $ 35

    • Useful info / Life / Housing
    • 2024/09/25 (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)

    The Hawaii Lani Real Estate Team is happy to provide you with the latest real estate information on your property market value and the Hawaii Association of Realtors. Please contact us ！.

    ！
    The Hawaii Lani Real Estate team will assist you in the purchase or sale of your property 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 an investment property using tax deferral system,
    Sell a property in the US mainland, Maui or other islands and then buy a property in Oahu. We have extensive experience in the purchase of real estate properties on Oahu using tax deferral strategies after the sale of properties on the U.S. mainland, Maui, and other islands.

    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 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 from our clients to our clients.
    We are very happy to meet new customers, and most of all, we are very happy that our customers are happy after the real estate transaction.


    Obtained Hawaii State Real Estate License （ in 1999.
    Obtained Hawaii State Real Estate Chief 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
    More information can be found at the following websites ♪
    ↓

    • Wanted / Professional
    • 2024/09/25 (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)

    Would you like to sell your nail salon or other beauty salon through business succession ？?

    Hawaii business to our client.


    Buyer is a Japanese business owner.


    Any small business or store is acceptable.


    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 contract is completely free of charge until the contract is signed.

    [Overseas ・ More than 80 domestic contracts have been concluded].




    ●The representative is an administrative scrivener specializing in contract drafting, which is confidential by law.

    We have been operating our 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
    ◇Lash extensions ・ 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 ・ Temporary staffing
    ◇Car rental company ・ Used car sales ・ Farms etc.


    *Los Angeles and other mainland US and other English speaking businesses ・ Corporate ・ Shops etc. are 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 from the 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 / Beauty / Health
    • 2024/09/25 (Wed)
    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)

    Diet💦Training information available 💥.

    LA🌴Torrance🥇Personal Training FIT BODY is pleased to announce that our representative trainer, former Bodybuilding World Champion🏆 Mike Miyamoto, will be providing useful diet ・ training information for LA residents on YouTube ❗ ️

    Recently If you are worried about your abdominal area recently, or if you are having trouble gaining weight since coming to the US, why not take a look 😊

    You can watch it below 🔽.

    Trial Personal Training （ ＄ 80 ） Now accepting applications 😊

    ダイエット・トレーニング・ロサンゼルス・パーソナルトレーニング・美ボデイ
    • Useful info / Restaurant / Gourmet
    • 2024/09/25 (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)

    🉐 Deals and coupons for shopping at Ebinomi ◎ ✨ Waikiki home-style take-out restaurant including garlic shrimp with large plump shrimp 🦐 🍛 🍤.

    We would like to introduce you to a new way to save on Evinomi plates ！
    This coupon information is for local customers only and can be used as often as you like, we hope you will use it when you visit us😊

    🦐Kama Kama'aina 🦐 Discount → Show your Hawaii State 🌈 Drivers License and get 10% off your total bill🦐

    Other coupons ・ For more information, please visit Ebinomi's official Instagram @ ✅
    If you don't have a Drivers License or if you are visiting for sightseeing, we also have coupon information for you. ♪

    Please try our home-cooked plates from around the world, including the exquisite garlic shrimp made with large and plump shrimp, which can only be found at Ebinomi ✨ 🍴.

    Kama'aina Discount🌈】Present your Hawaii driver's license and receive 10% off you...

    • Free trial / Professional
    • 2024/09/25 (Wed)
    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)

    Online Free Consultation | Marriage Counseling Agency Specializing in U.S. Residents ・ TJM

    Overseas Marriage Counseling ・ TJM offers free online consultation for single Japanese men and women living in the U.S.

    We support marriage activities for short-term expatriates, long-term assignees, students, permanent residents, and those who are thinking of returning to their home countries.

    We will set up a time slot according to your location. We are happy to schedule a time for you.

    Please be assured that your personal information will be kept strictly confidential.


    Overseas Marriage Agency ・ TJM
    https://海外結婚相談所.com
    info@TraditionalJapaneseMatchmaker.net
    Representative Naoko Matsumoto

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

    TJM
    Traditional Japanese Matchmaker is offering a FREE Consultation online. If there is anything we can help you with, please contact us.


    Naoko Matsumoto Founder and CEO of Kaiwa Planet LLC.

    Traditional Japanese Matchmaker
    https://TraditionalJapaneseMatchmaker.us
    info@TraditionalJapaneseMatchmaker.us

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

    2024, we are planning a marriage activity event.
    *Participation is limited to full members.

    Free trial

    We accept applications for free consultation. Please apply only if you are serio...

    結婚相談所国際結婚結婚相談所アメリカ出会いデート
    • Problem solution / Professional
    • 2024/09/24 (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)

    Let's Have a Happy Divorce ！ ～ ～ The Collaborative Divorce Process ～ ～

    If you are a couple who are ready to discuss the situation and both of you are firm in your intention to divorce, or only one of you but the other is likely to agree to divorce, your situation does not correspond to a simple divorce （ living together after marriage for less than 5 years, no children, no spousal support payments, no shared property $ 53,000 or more, Shared Debts $ no more than 7,000 ） If not equivalent to , then application for divorce by mutual consent will be filed for a regular divorce.
    An application for a collaborative divorce does not require an expensive lawyer.

    Please take advantage of our fastest ・ and safest ・ and cheapest filing service ！ Don't miss our free 30 minute consultation and free child support and spousal support simulation calculation ！


    ～ ～ Where do I start ？ ～ ～ ～

    If you are unsure which divorce application your situation is, or have more questions, please contact us first. Please contact us. We will listen to you and explain what you need to do first.


    ～ ～ ～ How long does it take to get a decree ？ ～ ～ ～

    In a regular divorce, the two parties will quickly determine the agreed terms of divorce and it can take as little as 8 months. During the holiday season and other times of the year, it takes a little extra time for the court to process the paperwork. In the case of a simple divorce, there is no other action to be taken after the Petition is filed, unless there is a change of address or the Petition is cancelled, and the judgment is rendered six months and one day after the Petition is filed.


    ～ ～ ～ Rough Process Flow ～ ～ ～

    Step 1: We will ask you about your situation to see if we can work out a mutual agreement. After confirming the situation, you will be asked to sign our service agreement ・ and make payment. Payment can be made in installments, please consult with us.

    Step 2: Fill out the Divorce Application Questionnaire to prepare various applications for us ・ and submit it to us.

    Step 3: We prepare your Petition for Divorce ・ and file it with the court.

    Step 4: We notify the Petitioner that the divorce has been granted, and the Petitioner signs the notice （ a set of divorce papers accepted by the court ） if he/she agrees to receive the papers, and we file the signed receipt. This completes the step called "notification". The reason the Petitioner signs the Receipt is not in response to the terms of the divorce. At this point, the terms of the divorce have not yet been finalized. Your signature only signifies that you have received the divorce papers that have been accepted by the court and that you understand that the divorce application has occurred.

    Step 5: If no cross-motions are filed by the Petitioner within one month of the completion of the notice, we will file an application for judgment in absentia. During this period, after both parties have disclosed their assets ・ and liabilities and agreed to the divorce terms, we will prepare ・ a divorce decree, which both parties must review, obtain notary signatures, and then we will file the judgment application with the final documents, and await the judgment. Once the decree is granted, both parties will receive the decree directly from the court by mail, and the divorce application is complete.


    ～ ～ ～ We will help you through the entire process ～ ～ ～

    The entire process is conducted via email in English and Japanese, making the process as simple and thorough as possible. We will provide you with the fastest and most courteous ・ service possible. If you have any concerns ・ before the judgment is rendered, please feel free to send us an email at any time and we will respond to your concerns without delay.



    If you have any problems, please contact us first. Let's have a happy divorce ！

    離婚、ビザ、養育費、グリーンカード