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    • Event / Finance / Insurance
    • 2024/06/06 (Thu)
    Vivinavi New Jersey

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

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

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

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

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

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



    ★ Next Schedule ★

    July 7 （ Sun ）

    July 10 （ Wed ）

    *Times vary according to each area. Please check the application page.



    ＜ How to join ＞

    ・ Zoom

    *We will send an invitation to those who have registered through our website below by email.
    Zoom
    ＜ Registration ・ Contact ・ For more seminar information ＞
    https://insurance110usa.com/webinar.html

    • Event / Finance / Insurance
    • 2024/06/06 (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)

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

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

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

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

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



    ★ Next Schedule ★

    July 7 （ Sun ）

    July 10 （ Wed ）

    *Times vary according to each area. Please check the application page.



    ＜ How to join ＞

    ・ Zoom

    *We will send an invitation to those who have registered through our website below by email.
    Zoom
    ＜ Registration ・ Contact ・ For more seminar information ＞
    https://insurance110usa.com/webinar.html

    • Problem solution / Life / Housing
    • 2024/06/05 (Wed)
    Vivinavi Kimitsu

    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)

    Customer in Kisarazu City

    Hello ！

    I was in a hurry this morning and had a simple breakfast, just a bowl of white rice wrapped in seaweed lol

    Nori is a treasure house of nutrition and contains vitamin B which is good for relieving fatigue, so I especially want to take it in the coming season.



    A customer in Kisarazu city who has been working with us for the past week or so said that the kitchen ・ had been feeling small due to built-in cupboards in the living room

    so we removed those cupboards and then reinforced the beams After reinforcing and partially repairing the pillars and replacing the kitchen,

    the client was very impressed with the new kitchen and the expanded space. We are still working on other parts of the house, but we will do our best to make our customer

    happy with the work we have done.



    We offer a wide range of services, from repairs around the home to medium ・ scale renovations, home improvements under the nursing care insurance system, exterior engineering, painting work, and tree trimming. Consultation ・ ・ ！


    [Total ・ Support ・ Service]
    1-3-22 Nishisakada, Kimitsu, Chiba
    TEL: 0439-54-3880 / FAX: 0439-54-3881
    Representative Cell: 070-1478-9876
    Email: info@tss2016.com
    Website: https://tss2016.com

    建築リフォーム工務店木更津君津
    • Free trial / Professional
    • 2024/06/05 (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)

    （ Completely free, Japanese-language consultation ） Total compensation recovered, over $350 million. You can get more compensation than you can imagine.

    Are you in trouble after a car accident ？ Is your insurance company reluctant to compensate you ？
    Contact the EYL LAW LAW OFFICE today.
    We can help you with all your car accident problems.
    Our attorneys have years of experience negotiating with insurance companies and will be on your side.
    Our specialty is to help expatriates, students, and tourists get more compensation than they ever imagined. Japanese language consultation, completely free of charge. We do not charge any legal fees to our clients.
    We are available 24 hours a day, 7 days a week.
    Call us now at 213-700-7800.
    You can also text or email us.

    Car Accidents ・ Law Firm Specializing in Personal Injury Accidents [Japanese Line] 213-700-7800 Attn LEO

    交通事故無料弁護士自動車販売自動車修理
    • Wanted / Professional
    • 2024/06/05 (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 [sandwich store ・ burger store] in Hawaii 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] and [Overseas ・ More than 80 domestic contracts have been signed].




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

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

    Once the transfer is finalized, our legal office will prepare the [M&A contract].




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

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


    *Businesses in Los Angeles and other mainland US and other English speaking areas ・ Corporations ・ Stores etc. can be sold.



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


    E-MAIL → right@international.jp

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


    ──────────────────────────────

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


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

    • Useful info / Life / Housing
    • 2024/06/05 (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 will provide you with the latest real estate information from the Hawaii Association of Realtors MLS free of charge, as well as the market value of your real estate property free of charge. We look forward to hearing from you.

    ！
    The Hawaii Lani Real Estate team has over 20 years of Hawaii real estate experience and knowledge to assist you and provide you with the best service possible.


    Sell your property and buy your new property at the same time using the capital gains system,
    Buy an investment property using the tax deferral exchange,
    Buy a property in the mainland US, Maui or other islands. We have extensive experience in buying a property on Oahu after selling a property and using tax deferral exchanges to buy a property on Oahu.

    After purchasing a real estate property, we can manage the property according to your needs and provide payment services for common expenses, insurance, taxes, etc.


    Tomoko Kubiak, owner of Hawaii Lani Real Estate, has over 20 years of Hawaii real estate experience.
    We continue to work with long time clients and their families.
    We are also grateful for the many referrals from our clients to our clients.
    And 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 （ RA in 1999.
    Obtained Hawaii State Real Estate Chief's License （ RB in 2009.
    Established Hawaii Lani Real Estate in 2010.
    Member of the National and Hawaii State Association of Realtors.



    [Contact]
    (808) 386-7984 （ Japanese ）
    (808) 924-5040 (808) 924-5040 Japanese ）
    email: tomoko@ hawaiilanirealty.com

    ★ Experienced in condominiums in Waikiki and Ala Moana area as well as in buying and selling properties in West Oahu.




    Please contact us through [Contact Us] above or "Send Message" below
    For more information, please visit our website below ♪
    ↓

    • Wanted / Professional
    • 2024/06/04 (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)

    Would you like to sell your [hair salon ・ hair salon] in Hawaii 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] and [Overseas ・ More than 80 domestic contracts have been signed].




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

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

    Once the transfer is finalized, our legal office will prepare the [M&A contract].




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

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


    *Businesses in Los Angeles and other mainland US and other English speaking areas ・ Corporations ・ Stores etc. can be sold.



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


    E-MAIL → right@international.jp

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


    ──────────────────────────────

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


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

    • Problem solution / Beauty / Health
    • 2024/06/04 (Tue)
    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)

    Advanced treatment method based on biology different from conventional chiropractic. Straight neck and scoliosis can also be cured. ！ Reputed for its excellent cost performance.

    - Our CBP treatment can cure straight neck, smart phone syndrome, and scoliosis.
    - Diagnosis by x-ray to determine the cause of the problem.
    - We treat the root cause of the problem by improving posture and correcting the spine.

    By restoring the curve of the neck and removing the distortion of the spine, various physical problems can be eliminated.

    CBP (Chiropractic BioPhysics) treatment was developed by Dr. Donald Harrison in 1980 and is a
    research-based treatment based on biophysics. In collaboration with renowned surgeons from around the world,
    we are constantly researching and providing the best chiropractic techniques in the world.

    ● Effective for cases that have not been relieved by other treatments and for chronic pain and numbness.

    ● Gentle treatment that does not involve any bobbing and we gradually remove distortions so that both children and adults can receive treatment with peace of mind.
    ● Smartphone syndrome is mainly caused by a straight neck; CBP treatment restores the curve of the neck.

    ● Patients will be meticulously examined in terms of exercise, nutrition, sleep, and environment(stress) to improve their daily life.

    ● If you are concerned about your child's posture, we recommend that you consult with us as soon as possible.

    Headaches, migraines, stiff shoulders, back pain, tinnitus, neck ・ shoulders ・ arms ・ elbows ・ wrists ・ finger pain, numbness in hands and feet, hip ・ knees ・ ankles,
    whiplash, after effects of accidents, spine scoliosis （ cervical scoliosis ）, sports injuries, ergo evaluation, lifestyle related diseases, etc.


    [We deal with various insurances.

    Consultation ・ Please feel free to contact us in Japanese.

    Phone: (408)738-8610
    Email: sumikomissimer@gmail.com
    Website: www.drsumiko.com
    Address: 1309 S. Mary Ave, Sunnyvale, CA 94087

    カイロプラクティックストレートネック側弯症歪み
    • Useful info / Finance / Insurance
    • 2024/06/03 (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)

    Reference Example of Accumulation-Type Life Insurance (with Long-Term Care Insurance Clause)

    We received a request from a reader to show a specific example of an accumulation-type life insurance （ with a long-term care insurance rider ）, so we provide the following as an example for your reference.

    （ Please note that there are individual differences depending on the age, health condition, amount of accumulation, insurance conditions, and product contents at the time of starting accumulation, so please refer to the example as a reference only. ）

    [ Example of Accumulating Life Insurance （ with Long-term Care Insurance Clause ） ]
    Insured Female ・ Starting Age 50
    Premium （ Monthly ） $ 250
    Death Insurance Amount 152,000
    Annual interest rate on premiums (compounded: Non-Guaranteed) 3.5 % ~ 7.10%
    With long-term care insurance rider

    * For the first 10 years, the surrender value is lower than the premium. Death benefit is available from the first year.
    * The lump sum and surrender value will catch up after 15 to 17 years. After that time, the benefit at surrender will be greater than the sum of the additional lump sum.
    * The death benefit will increase from the age of 81 in this case.
    * The long-term care insurance rider allows 2% of the death benefit ($ 152,000 for $ 3,040 for 152,000) to be withdrawn from the death benefit each month until the death benefit is exhausted.
    ( The obligation to pay the monthly premium stops while you receive the long-term care insurance benefit. The money you receive is tax-free.

    * For your reference, we have attached a picture of the additional monthly premiums.
    * Please feel free to contact us if you would like to see an example of an accumulation type life insurance policy (with a long-term care insurance rider) for your own case.

    • Useful info / Finance / Insurance
    • 2024/06/03 (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)

    Five Types of Life Insurance in the U.S.

    I know that life insurance can be confusing for some of you.
    "I hear rumors that the US has a better insurance program than Japan ！"
    In this page, we will explain the five types of life insurance in the US as follows.
    In case you are wondering, not good or bad, it is said that only 1. Term Insurance&2. Whole Life Insurance is offered in Japan out of the following 5 types of insurance. \I am a Hawaii State Life&Health Insurance License holder, so please understand that I will not compare the Japanese License with the Japanese one.

    The 5 Types of Life Insurance in the U.S. are
    1. Term, 2. Whole Life Insurance, 3. Universal Life Insurance, 4. Whole Life Insurance, 3. Universal Life Insurance, 4. Variable Universal Life Insurance, 5. Index Universal Life Insurance.

    1. Term Insurance : As you know, this is a life insurance for a certain period of time. The monthly premium is low, but it is only a death benefit and does not accumulate. And once the policy is over, if you want to re-subscribe, the premiums will go up dramatically as you get older, depending on your age.

    2. Whole Life Insurance : This is an accumulation type life insurance policy for life. The annual interest rate is about 4% (depending on the economic situation) on the premiums you have accumulated. \The monthly premium is a fixed amount. The monthly premium is a fixed amount. Usually, this type of insurance has the highest premium.

    3. Universal Life Insurance : This is an accumulation type life insurance for life. It pays an annual interest rate of about 5-7% on the amount accumulated. \The monthly premium is fixed and varies depending on your financial situation. \The monthly premium is not fixed, but you can choose a minimum to maximum premium amount depending on your personal financial situation.

    4. Variable Universal Life Insurance : This is a life savings type life insurance policy. The accumulated amount is transferred to another account and put into a so-called Mutual Fund. Therefore, it is an investment type insurance, and the amount of savings may go up or down depending on the market's performance. The monthly deposit is not a fixed amount, but can be paid flexibly between minimum and maximum.

    5. Index Universal Life Insurance : This is a life insurance policy with a life time savings plan. The interest rate varies according to the Market Index (e.g. S&P 500), but ranges from about 1% to 12.5% per annum.

    ＊ ＊ Some Hawaii residents who do not have U.S. citizenship or permanent residence may be eligible for Hawaii state insurance. Some people may be eligible to purchase a U.S. annuity or long-term care insurance while living in Hawaii.

    • Useful info / Finance / Insurance
    • 2024/06/03 (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)

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

    [

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



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

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

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

    • Useful info / Finance / Insurance
    • 2024/06/03 (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)

    Long-term care situation and long-term care insurance in Hawaii in an aging society

    Long-Term Care in Hawaii and Long-Term Care Insurance in an Aging Society

    We may not realize it when we are healthy, but at some point in our lives, we will need long-term care.　
    Long-term care insurance can help you in such a case.

    According to data from the National Association of Insurance Commissioners (NAIC™),]
    ＊ 70% of U.S. residents who have reached age 65 feel that they will need some type of long-term care at least once in their lives. feel that they will need some type of long-term care at least once in their lives.
    ＊ Of U.S. residents who have reached age 65, 35% feel that they will be in a nursing home at least once in their lives
    .
    ＊ A person at age 65 has an average of 19 ． 4 years （ remaining life expectancy for women 20 ． 6 years and 18 years for men ） The longer a person lives, the greater the need for
    nursing care, including chronic illness.

    [The cost of care when you need it ？ ] Data by NAIC
    ＊ Home Health Care (Home Care ） : Licensed Caregiver （ Certified Nurse Aid ） Home Health Care by
    ＝ $ 25/H x 6H x 5 days x 4 weeks = $ 3000 / month
    ＊ Assisted Living Facility （ Assisted ・ Living Facility ） ： As of 2018, monthly ＄ 4000, yearly ＄ 48000
    ＊ Nursing Home （ Nursing Home ） ： As of 2018 Annual ＄ 89 ， 297

    （ Note 1 ） Hawaii's cost of care is higher than other states.　
    （ Note 2 ） Japan's long-term care insurance system is administered by the government, but in the U.S., individuals must purchase their own insurance.
    （ Note 3 ） Medicare enrollees are covered for up to 100 days if coverage is approved, but the first 20 days are 100% covered,
    after that it is CO-PAY. Benefit Policy ( Long-term care insurance with a greater need than life insurance ）
    3 ． Stand - Alone Policy ( People who do not need life insurance but need long-term care insurance ）

    【 Two types of
    1 ． Reimbursement （ Reimbursement ） ： The insurance company generally pays
    claims directly to nursing homes for expenses deemed necessary for care.
    2 2 2 ． Cash Indemnity （ Cash ・ Indemnity ） ： 100% of the amount of the long-term care insurance policy is received by the person in cash from the insurance company and can be used for
    long-term care expenses or other purposes

    Long-term care insurance was introduced in the 1980s as the cost of long-term care rose, and Nationwide research shows that 74%
    of people in their 50s would like to live at home as long as possible in the future, but this is not always the case, depending on the person's wishes. However, there are those who cannot meet their wishes and those who have difficulty
    providing care at home.
    In addition, there are those for whom long-term care insurance is not suitable.　The average age for joining long-term care insurance is currently 59 years old.

    There are various cases, so if you have any questions, please feel free to contact us so that we can guide you according to your case.

    • Useful info / Finance / Insurance
    • 2024/06/03 (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)

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

    Hirata Consulting

    Are you prepared for your current and future life plans ？

    Greetings, my name is Masato Hirata.
    With the motto of "offering plans that are tailored to your current and future life planning",
    various types of life insurance ・ individual annuities （ annuities ） ・ long-term care insurance ・ 401K,
    IRA rollovers, and other insurance and more.

    Hirata ・ Consulting Features


    We offer free consultations.
    "I have some questions about insurance ！ Who should I consult ？ ？
    Please feel free to contact Hirata ・ Consulting first.
    Of course, we offer "free consultation".

    We will visit you anytime, anywhere.
    "I don't feel comfortable going to the insurance company's office, and I am too busy with work to visit on weekdays or during the day ！"
    Don't worry, just specify a time and place that is convenient for you and we will visit you "anytime ・ anywhere ・. <3263> anywhere."

    You can also call us ・ online for a consultation.
    "I have small children, and I would be happy if we could consult without meeting in person ！"
    Of course, we can also consult by phone or online （ zoom ）.
    You can also apply online.


    Hirata Consulting
    +1 (808) 387-1148
    hokenmasa@gmail.com

    • 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.

    • Wanted / Professional
    • 2024/06/03 (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)

    Would you like to sell your Hawaii [Esthetic Salon ・ Spa] 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] and [Overseas ・ More than 80 domestic contracts have been signed].




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

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

    Once the transfer is finalized, our legal office will prepare the [M&A contract].




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

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


    *Businesses in Los Angeles and other mainland US and other English speaking areas ・ Corporations ・ Stores etc. can be sold.



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


    E-MAIL → right@international.jp

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


    ──────────────────────────────

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


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

    • Useful info / Medical
    • 2024/06/03 (Mon)
    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)

    Chiropractic: Are you suffering from pain that you have left unresolved ？ ～ Free consulting ～.

    Chiropractic is not only concerned with the treatment of injuries, pain, and illness by correcting misalignments and distortions of the spine and pelvis that cause illness and pain,
    it is also a root cause therapy used by people who want to improve their body's resistance and maintain good health, improve circulation, and be beautiful from within.
    Neck, shoulder, back, elbow, and knee pain, stiffness, numbness, neuralgia, arthritis, etc.
    Initial consultation （ interview ） is free at Pasadena Chiropractic Center.
    We are happy to consult with you about your body and any problems you may have.

    If you have any of the following symptoms, we can help you ！ ！

    neck, shoulder, back, elbow, knee pain, stiffness, numbness, nerve pain, arthritis

    ☆ back pain, headache, internal dysfunction ☆ Post car accident consultation and treatment, sports injuries, sprains and strains
    ☆ Pediatric chiropractic, postpartum pelvic correction
    ☆ Menstrual cramps, O-leg correction, sleeping sickness, etc

    Chiropractic is the treatment of the backbone, which causes illness and pain.
    It is not only used to correct misalignments and distortions of the spine and pelvis that cause illness and pain, and to treat injuries, pain, and disease, but it is also a fundamental therapy used by people who want to improve their body's resistance, maintain good health, and improve circulation and beauty from within.

    U.S. Student Insurance, HMO ， PPO, Overseas Personal Accident Insurance （ Some ） may be used.
    CASH discount also available.
    Car pick up and drop off available for those in the neighborhood.

    Please feel free to contact us ！ ！
    (626) 405-9209

    You can also use our Town Guide Contact Form.

    Support for neck correction pillows, etc. ､ 10% off supplements and vitamins ！ ！...

    • Problem solution / Professional
    • 2024/06/03 (Mon)
    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)

    Total compensation for recovery, over $350 million. You can get more compensation than you can imagine. （ Japanese language consultation, completely free of charge ）.

    Are you in trouble after a car accident ？ Is your insurance company reluctant to compensate you ？
    Contact the EYL LAW LAW OFFICE today.
    We can help you with all your car accident problems.
    Our attorneys have years of experience negotiating with insurance companies and will be on your side.
    Our specialty is to help expatriates, students, and tourists get more compensation than they ever imagined. Japanese language consultation, completely free of charge. We do not charge any legal fees to our clients.
    We are available 24 hours a day, 7 days a week.
    Call us now at 213-700-7800.

    交通事故無料弁護士自動車販売自動車修理
    • Wanted / Medical
    • 2024/06/03 (Mon)
    Vivinavi New York

    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 donors wanted.
    Gratuity ＄ 8,000~ $ 20,000~.
    (We will also pay for transportation, food and hotel expenses if you go far away. ）

    We are looking for women between the ages of 20 and 29 who are physically and mentally healthy,
    do not smoke, and have flexible morning schedules.

    Our headquarters is in Pasadena （ California ） but our clinics are located throughout the US.
    If you live far away, we will pay for your transportation, hotel, meals, etc.
    （ If you cannot travel far, you can register for 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.
    （ If you are coming from Japan, you will stay about 2 weeks for the second 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
    your information will never be shared with anyone outside of our company or clinic
    .

    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 the future,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    • Wanted / Medical
    • 2024/06/03 (Mon)
    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 $ 8,000 to $ 20,000. travel expenses also paid.

    Egg donors wanted.
    Gratuity ＄ 8,000~ $ 20,000~.
    (We will also pay for transportation, food and hotel expenses if you go far away. ）

    We are looking for women between the ages of 20 and 29 who are physically and mentally healthy,
    do not smoke, and have flexible morning schedules.

    Our headquarters is in Pasadena （ California ） but our clinics are located throughout the US.
    If you live far away, we will pay for your transportation, hotel, meals, etc.
    （ If you cannot travel far, you can register for 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.
    （ If you are coming from Japan, you will stay about 2 weeks for the second 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
    your information will never be shared with anyone outside of our company or clinic
    .

    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 the future,
    we also offer a free egg freezing program for yourself.
    Please see our Egg Freezing Program page for more information.

    • Wanted / Medical
    • 2024/06/03 (Mon)
    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 Donors （ Egg Donors ） Wanted.
    Gratuity ＄ 8,000~ $ 20,000.
    (We will also pay for transportation, food and hotel expenses if you go far away. ）

    We are looking for women between the ages of 20 and 29 who are physically and mentally healthy,
    do not smoke, and have flexible morning schedules.

    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.
    （ If you are coming from Japan, you will stay about 2 weeks for the second 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
    fully prepared to provide the best possible support.
    We are also a top tier agency
    licensed by the New York State Insurance Department.

    We are committed to confidentiality
    and will never share your information
    with anyone outside of our company or clinic.

    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 the future,
    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