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    • Useful info / Finance / Insurance
    • 2024/05/24 (Fri)

    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 !

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

    • Useful info / Finance / Insurance
    • 2024/05/25 (Sat)

    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.

    • Signature service / Professional
    • 2024/06/05 (Wed)

    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)

    Divorce Consulting

    Are you struggling with marital or gender issues?


    ◇Those who are trying to repair their relationship.

    ◇Are you worried about separation or divorce but do not know what to do?
    ( California has a legal separation system. )

    ◇If you are worried about your life during separation or after divorce.



    Why not consult a professional instead of worrying alone?



    Based on our many years of experience in handling various divorce and separation cases,

    we will talk with you to find out what the best solution is for you and propose one.

    ----------------------------------------------------------------------------------------------------------
    Our Rocky Mori, our Japanese-speaking representative, is an expert in ADR ( and Alternative Dispute Resolution (ADR) ) and has been a mediator for 18 years in the courts of

    Small Claims Court, as well as a California state-certified mediator for civil matters and divorces. Expert in ADR and Alternative Dispute Resolution .
    ----------------------------------------------------------------------------------------------------------

    Initial consultation is free of charge.

    • Signature service / Life / Housing
    • 2024/05/22 (Wed)

    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)

    I am YUKO, a spiritual advisor. ~ I will tell you the colors I see around you ~.



    Have you ever wondered if you are doing the right thing
    at an important turning point in your life, and you need a gentle push? ?

    I talk to your angels and spirit guides and receive messages. I always see four colors in my mind: light blue, white, gray and black. There are many times when I probably can't give you the answer you want to hear. But I will tell you honestly and in detail exactly what I feel.


    ・ I'm having trouble with my work relationship... What should I do ?
    ・ I want to marry my current boyfriend ! but am I sure he is the right one ?
    ・ I am thinking of buying real estate, but the timing is right ?

    * Love&Compatibility Assessment * Relationships * Work & Career * Big purchase ( Real estate etc ) * General life advice *

    ~ 30 years experience Japanese Spiritual Advisor YUKO answers your questions ~

    SEDONA YUKO&ANGELS



    Email: yuko@sedonayuko .com
    tel: 808-800-9962

    • Event / Life / Housing
    • 2024/05/14 (Tue)

    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)

    Free Real Estate Seminar] What to do when you become a Trustee ?.

    Are you a Trustee and don't know what to do?
    Please join us for this online seminar.

    In this seminar you will find out all the important information you need to achieve excellent results.

    Whether you are an experienced Trustee or just starting out, this seminar is perfect for anyone looking to enhance their skills and knowledge.

    Register today and take your next step as a Trustee !

    June 27, 2024 (Thursday)
    11:00-12:00

    See flyer for details.
    Pre-registration via QR code is required for the seminar.


    Nozomi Ogihara / Keller Williams
    +1 (650) 839-3045

    • Useful info / Life / Housing
    • 2024/05/14 (Tue)

    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)

    What is the best way to start downsizing a house ??

    ・ I am considering downsizing my home, but am not sure where to start.
    ・ I would like to know how to get a good loan with cash in hand using Equity in the home. 

    If you have any problems such as ! ! Please watch the Youtube that my group is sending out !

    of a seminar on downsizing your house with a good Reverse mortgage and Bridge loan. Youtube.

    If you have any questions, please contact me anytime.

    • Free trial / Education / Lesson
    • 2024/06/08 (Sat)

    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)

    Free trial for 1 month ! ] We offer learning that suits your child's Japanese language ability.

    ・ I don't have much time to study Japanese because of the amount of homework at the local school.
    ・ It is difficult to attend a supplementary school once a week.
    ・ I need individualized instruction.
    ・ I don't know if online learning is a good fit, and I'm a little scared.
    ・ I'm becoming rebellious and it's getting hard for my parents to teach me.

    A former elementary school teacher will test your child's Japanese language ability to get a preliminary understanding of your child's Japanese language ability and provide learning that suits your child !

    ☆ 1 month free trial ☆

    [For] : Elementary to middle school students

    ・ Since this is a free trial, there is no enrollment or tuition fee !
    ・ This is an online one-on-one class.
    ・ You can ask questions to the teacher anytime you don't understand !
    ・ Math ( Elementary 1-6 only ), Social Studies ( Elementary 5 and 6 only ) also available.

    *Services are not available for local school homework and preparation for the Returned Child Examination.
    *Please prepare necessary items for class such as writing materials, textbooks, notebooks, tablets, smartphones, dictionaries, and network environment.
    *Communication expenses are to be borne by the customer.


    If you are interested, please apply for a free trial by clicking "Send Message" below and indicating that you would like a free trial.
    We will then explain how to take the course in a ZOOM meeting.

    =================================================================
    < Instructor Information >
    ・ Name : Ri Nishioka ( Akira Nishioka )
    ・ Career : Graduated from Shiga University, Faculty of Education ( Elementary School First Class, Middle and High School ( English First Class )
    Joined a certain consulting company. Engaged in solving human resource related issues. ( For 3 years )
    Worked as an elementary school teacher in Shiga prefecture for 7 years. ( 1st, 3rd, 4th, 5th, 6th grade )
    Retired in March 2024.
    In April, she established an online school (OPEN DOOR e-education) based on the concept "so that elementary/junior high school students living abroad can stay vividly in Japanese schools after returning home".

    Free trial

    Free trial for 1 month ! ] We offer learning that suits your child's Japanese la...

    • Free trial / Professional
    • 2024/05/17 (Fri)

    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

    • Problem solution / Professional
    • 2024/05/20 (Mon)

    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)

    EYL ! ! Free consultation in Japanese for accidents and injuries ( Success fees only )

    Yelp Reviews (⭐4.9), Google Reviews (⭐5.0)

    Are you in a car accident and in trouble ? Is your insurance company reluctant to compensate you ? Did you just fix your car and not go to the hospital and not get paid for it ?
    Contact EYL LAW LAW OFFICE NOW!
    We can help you with all your car accident problems.

    If you are injured on a road, commercial bumps or wet floors, do not hesitate to contact us.

    Our lawyers have many years of experience negotiating with insurance companies and will be on your side.
    We specialize in helping expatriates, foreign 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 ・ Personal Injury ・ Law Firm Specializing in Injuries [Japanese Line] 949-668-9106 Attn LEO

    • Problem solution / Professional
    • 2024/05/27 (Mon)

    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.

    • Free trial / Professional
    • 2024/05/28 (Tue)

    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

    • Problem solution / Professional
    • 2024/05/30 (Thu)

    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)

    EYL ! ! Free consultation in Japanese for accidents and injuries ( Success fees only )

    Yelp Reviews (⭐4.9), Google Reviews (⭐5.0)

    Are you in a car accident and in trouble ? Is your insurance company reluctant to compensate you ? Did you just fix your car and not go to the hospital and not get paid for it ?
    Contact EYL LAW LAW OFFICE NOW!
    We can help you with all your car accident problems.

    If you are injured on a road, commercial bumps or wet floors, do not hesitate to contact us.

    Our lawyers have many years of experience negotiating with insurance companies and will be on your side.
    We specialize in helping expatriates, foreign 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 ・ Personal Injury ・ Law Firm Specializing in Injuries [Japanese Line] 949-668-9106 Attn LEO

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

    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.

    • Free trial / Professional
    • 2024/06/05 (Wed)

    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

    • Problem solution / Professional
    • 2024/06/09 (Sun)

    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)

    EYL ! ! Free consultation in Japanese for accidents and injuries ( Success fees only )

    Yelp Reviews (⭐4.9), Google Reviews (⭐5.0)

    Are you in a car accident and in trouble ? Is your insurance company reluctant to compensate you ? Did you just fix your car and not go to the hospital and not get paid for it ?
    Contact EYL LAW LAW OFFICE NOW!
    We can help you with all your car accident problems.

    If you are injured on a road, commercial bumps or wet floors, do not hesitate to contact us.

    Our lawyers have many years of experience negotiating with insurance companies and will be on your side.
    We specialize in helping expatriates, foreign 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 ・ Personal Injury ・ Law Firm Specializing in Injuries [Japanese Line] 949-668-9106 Attn LEO

    • Problem solution / Professional
    • 2024/06/10 (Mon)

    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.

    • Signature service / Professional
    • 2024/06/10 (Mon)

    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 of charge, consultation available in Japanese ) Please consult us immediately for any accidents. You will be compensated beyond your imagination !.

    Are you in trouble after a car accident ? Is your insurance company reluctant to compensate you ?
    Don't worry ! Contact EYLAW Law Firm today.
    We can help you with all your problems regarding car accidents.
    Our lawyers are specialized in negotiating with insurance companies and have many years of experience.
    Our specialty is to help expatriates, foreign 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

    • Signature service / Professional
    • 2024/06/10 (Mon)

    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 of charge, consultation available in Japanese ) Please consult us immediately for any accidents. You will be compensated beyond your imagination !.

    Are you in trouble after a car accident ? Is your insurance company reluctant to compensate you ?
    Don't worry ! Contact EYLAW Law Firm today.
    We can solve all your problems regarding car accidents.
    Specializing in negotiating with insurance companies, we have professional attorneys with many years of experience on your side.
    Our specialty is to make sure that expatriates, foreign 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

    • Satisfaction guaranteed / Auto / Motorcycle
    • 2024/05/15 (Wed)

    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)

    If you think it's time to get a car 🚗.

    We do not require credit !

    If you want to buy a new car

    If you want to buy another car, please feel free to contact us !


    We can purchase even if you have no credit history ◎

    We have many years of trust and experience, so you can purchase with confidence.

    We will find a car that meets your needs from over 100 cars !

    Please consult us first.


    Conveniently located in Korea Town !
    Please check out our Vehicles for Sale and Purchase page as well as our Town Guide for recommended vehicles.

    Please contact us first.

    ▼ Contact us
    Call us at 213-422-6085 and tell us you saw Vivinavi
    or [ Send us a message ] to contact us !

    • Introduction / Restaurant / Gourmet
    • 2024/06/01 (Sat)

    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)

    YAMA SUSHI SAKE ATTITUDE Top 5 Popular Products

    YAMA Sushi Sake Attitude is a Japanese food market serving fresh sashimi and sushi !

    ⭐️ YAMA's top 5 most popular items⭐️

    1. 5pc Nigiri Set
    2. Salmon Avocado Roll
    3. chicken katsu
    4. california roll
    5. spicy tuna roll

    recommended
    👉 sushi chef's special flyer sushi, lemon roll ( salmon + avocado + Lemon ) , Toro Takuan Roll, Kaisen Roll ❗ ️Limited number of items available every day ❗ ️
    👉 Salmon kama, Hamachi kama for sale ❗ ️Please grill or boil at home ❗ ️
    👉 [ Hot Food Corner] Sea Urchin, Salmon Teriyaki, Gindara, "Chef Kou Special " Curry Rice ❗ ️

    How about today's lunch or dinner ? ( ^ ^

    [Business Hours]
    WEST LA: 11AM - 8PM
    SAN GABRIEL: 11AM - 7PM