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    • Event / Finance / Insurance
    • 2025/01/10 (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)

    Let's buy a house this year ！ "Mortgage Seminar".

    A must for anyone thinking about purchasing a home ！ Loan structure and the latest strategies will be explained in an easy-to-understand manner.

    Instructor ： Kana Makino
    - Loan Officer / Real Estate Agent
    - Teaches practical know-how based on her own real estate portfolio management experience

    Date
    January 23, 2025 （ Thursday 5:30pm ～

    Location
    Orange Island ・ Culture ・ Salon

    Fee
    Free （ Pre-registration required ）
    *Please register can be made through the contact information below

    Seminar Points
    - How loans work and the benefits ・ Thorough explanation of the disadvantages
    Resolve home buying concerns such as high interest rates, no down payment, low FICO score, no permanent residence ！
    - Over 120 loan options
    Your chance to find the right loan for you ！

    - Get the latest information on the housing market ！
    We teach you strategies to win in a housing market with a shortage of properties - Get the latest news on the housing market.

    - First-Time Buyers ！
    Whether you are a first-time home buyer or considering a replacement or investment property, we have a wealth of useful information.

    How to Register
    - Phone: 949-685-7120 (Tel&Text)
    - Email: info@orangeisland.net


    This seminar is designed to help home This seminar will address questions and concerns about mortgages and help participants move confidently into the home-buying process. We look forward to your participation ！.

    Buy a House This Year ！ "Mortgage Seminar"

    January 23, 2025 （ Thurs ） ...

    • Event / Finance / Insurance
    • 2025/01/09 (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)

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

    Click here to apply ：
    https://insurance110usa.com/webinar/united-states-reserved-insurance-individual-pension/

    Life Insurance in America ・ 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 a 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 ★

    January 12 （ Sun ）

    January 15 （ Wed ）
    *Times vary according to each area. Please check from the application page.

    • Event / Finance / Insurance
    • 2025/01/09 (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)

    💲Tax-Efficient IRA Basics [Free Online Seminar] ★ Now accepting participants ～ ★ Don't miss it ！ ！

    Click here to apply ：
    https://insurance110usa.com/webinar/japanese-and-american-pensions/https://insurance110usa.com/voice/tax- saving-ira-basics/

    The American pension system is called the "three-legged chair," and it is commonly believed that
    "public pensions," "corporate pensions," and "private pensions ・ savings" will support retirement income.


    The era of relying only on public pensions to prepare for retirement is coming to an end in Japan.
    Are you preparing for retirement? ？


    In this section, we will discuss the overview of Individual Retirement Accounts (IRAs), which are tax benefits that can be used by expatriates as well as "private pensions",
    and how they can be used in Japan. ！


    Retirement planning is possible only in the US.

    A better understanding will help you to eliminate vague fears and see what you need to do now.


    Although this is a free seminar, there is no pressure to attend. Please feel free to attend.



    ★ Next Schedule ★

    Jan 25 （ Sat ）

    Jan 26 （ Sun ）
    Jan. 29 （ Wed ）

    *Seminar start time varies by area, please check the application page.

    • Useful info / Finance / Insurance
    • 2025/01/06 (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)

    The Magic of Household Budgeting ： Visualizing Money for Peace of Mind and Savings

    When you think about the importance of keeping a household budget and managing your money, you will see many benefits. Our office is offering a free checklist and worksheet as a special gift to help you get even more out of your household account book. Please sign up for our newsletter to receive this special gift to help you take your first steps toward financial independence. In this article, we will discuss in detail the role of a household budget, its benefits, and specific uses, as well as the financial security and goal attainment you can gain through managing your finances.

    The Basic Role of a Household Budget Book

    A household budget book is a tool for recording a household's income and expenses. Accurately recording monthly income （ such as salary and supplemental income ） and expenses （ such as food, utilities, rent, and entertainment ） provides an overview of the current financial situation. Capturing this basic information is the first step in managing your finances.

    Managing Credit Card Payments

    Using credit cards is convenient, but if you don't know how much you spend on them, you may be surprised when you pay. By keeping a household account, you can see in advance how much you will have to pay on your credit card. For example, by checking in the middle of the month, "How much am I spending this month ？?" you can curb excessive spending. You can also check in advance whether your payments are sufficient against your bank balance, thus preventing shortfalls.

    ↓ Click here to continue reading ！

    https://www.hkstanfield.com/blog/themagicofhouseholdaccounting/

    • Useful info / Finance / Insurance
    • 2025/01/04 (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)

    Options for Protecting Company Assets ： Corporate Veil, Charging Order, Single-Member LLC vs. Multiple-Member LLC vs.

    When starting a business, many entrepreneurs look for ways to protect their personal assets from business risks, and while LLCs and Corporations are the primary options for doing so, each structure and mode of operation offers different asset protection mechanisms and benefits. This article details the differences in asset protection between Single-Member LLC （ SMLLC ） and Multiple-Member LLC （ MMLLC ） in particular, as well as how they compare to Corporations, with specific examples.

    What is Corporate Veil ？

    The basic concept of protection offered by LLCs and Corporations is the "Corporate Veil （ Corporate Veil ）". This means that the corporation is a legal entity independent of the business owners （ members or shareholders ） and that any liability or debt associated with the business is vested in the corporation itself. This mechanism protects the owner's personal assets in principle, even if the business fails or is sued.

    Example 1: Suppose, for example, that the owner of a restaurant has formed an LLC to operate the business. If food poisoning occurs at the restaurant and a customer files a lawsuit, the LLC would be liable for damages. In this case, the owner's personal home and personal bank account would not be affected by the lawsuit. This is the protection afforded by the corporate veil.

    Charging Order （ Charging Order ） What is a ？

    Charging Order is a legal instrument that a creditor can take against a debt owed personally by a member of an LLC. Once this order is issued, the creditor can only file a claim against the distribution of profits the member receives from the LLC, and does not directly affect the assets of the LLC itself or the interests of other members. This allows the LLC to continue to operate while addressing the debts of individual members.

    ↓ Click here to continue reading ！
    https://www.hkstanfield.com/blog/assetprotection/

    • Useful info / Finance / Insurance
    • 2025/01/03 (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)

    My Entrepreneurial Story ： From Company Employee to Entrepreneur

    In a book I read during the Thanksgiving holiday, there was a message that said, "Telling stories helps people empathize with you. Inspired by his words, I would like to share my own entrepreneurial story.

    From Tokyo to the U.S. ： My Career as a Company Employee

    I am originally from Nagoya, Japan and have worked as a full-time employee in accounting firms and foreign companies mainly in Tokyo and California. During my tenure, I was always aware of my next career step and how I could achieve results in my current company to get even better conditions in my next career move. As I continued to work hard to improve my career, I began to realize the limitations of working as a company employee. For example, when someone close to me became ill and required frequent trips back to Nagoya, the time constraints became a major burden. Also, I was faced with a situation where I had several months to wait for a work visa to be issued after deciding to work in the U.S., but was unable to work. It was then that I began to think, "If only I could have a more flexible work schedule.

    Then, when I traveled on a weekday with a friend who had started his own business, I was strongly attracted to the way entrepreneurs work, with the freedom to manage their own time.

    ↓ Click here to continue reading ！
    https://www.hkstanfield.com/blog/mystartupstory/

    • Event / Finance / Insurance
    • 2025/01/02 (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)

    🇯🇵🇺🇸 Pensions in Japan and the U.S. ： Are You Ready for a Bright Retirement ？ （ Free Online Seminar ）

    Click here to apply ：
    https://insurance110usa.com/webinar/japanese-and-american-pensions/

    We often hear in the news about "raising the age at which pension benefits begin" <
    The average life expectancy of Japanese people is rising year by year along with this increase.
    We can no longer rely on public pensions alone for our retirement.


    When you are busy with work, hobbies, child-rearing, and daily life in the U.S.,
    you may not have time to think carefully about money one year, much less 10 or 20 years from now.


    However, retirement does not start suddenly; it is an extension of your current life.


    It is important to have even a vague idea of what retirement will be like now.
    Thinking about "what you would like to be like then" will give you an idea of what you should be doing now.


    Do you plan to live in the U.S. ？ or in Japan in your retirement ？

    Please take this opportunity to learn more about "Pension" which is always involved when choosing your future.


    ＜ Next Schedule ＞ Two parts, lots of information ！ ！


    [Part 1] Pensions in Japan and the US ： January 4 （ Sat ） ・ 8th （ Wed ）

    [Part 2] Individual Annuities and How to Choose One ： Jan 5 （ Sun ） ・ 9th （ Thu ）


    *Seminar Start times vary depending on each area. Please check from the registration page.

    • Event / Finance / Insurance
    • 2025/01/02 (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)

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

    Click here to apply ：
    https://insurance110usa.com/webinar/united-states-reserved-insurance-individual-pension/

    Life Insurance in America ・ 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 a 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 ★

    January 12 （ Sun ）

    January 15 （ Wed ）
    *Times vary according to each area. Please check from the application page.

    • Complimentary / Finance / Insurance
    • 2025/01/02 (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)

    🎉 ✨ Let's make 2025 the year we achieve our goals ！ ✨ 🎉

    Hiromi K. Stanfield, CPA Inc. has launched a new newsletter ！ 📩

    💡 Contents of the newsletter

    ・ Household Budget Management Tips
    ・ Tax Saving Tips
    Useful information about money

    In addition, if you register now, you will receive a "Household Budget Management Checklist PDF" ！ 🎁 📋

    The newsletter is delivered in Japanese only.
    To register, simply click on "Register for the newsletter" in the header of the homepage ！

    Why not review your money management at the start of a new year ？.

    • Signature service / Finance / Insurance
    • 2024/12/30 (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)

    Mimura Accounting] We provide not only tax returns but also various accounting services.

    Bilingual ＆ Bicultural Accountants
    Company Incorporation ・ General Tax ・ Company Operations ・ Payroll ・ Various Audits, etc.


    ✨ Advantages of choosing us ✨
    ・ Reasonable pricing - free estimates and reasonable prices
    ・ Easy to understand Japanese - easy to understand explanations of difficult industry terms ・ Experienced tax advice - tailored to your situation
    ・ Service offered throughout the U.S. - examples of areas ： New York, Texas, Florida, Washington DC, Hawaii, Atlanta, etc.
    [General Taxation]
    ・ Tax Preparation
    ・ Individual/Corporate Tax Applications

    We can provide guidance from detailed consultation on a case by case basis to general measures We accept e-files and other past troublesome files. We also serve as an Audit representative.


    [Accounting Services]
    ・ Accounting Support
    ・ Payroll

    We use computer software to support the needs of each individual client.


    [Consulting]
    ・ Company/Corporation
    ・ Business Expansion
    ・ Internal Control

    Not only business aspect, but also with our long experience living in the U.S., we are able to provide a wide range of services. We will advise you on various aspects including dialogue with your business partners.
    We are familiar not only with California but also with the entire U.S., so you can consult with us with confidence.



    U.S. Tax Attorney - Yukitaka Mimura
    Born in Matsumoto （ Shinshu ） Japan, Mimura moved to the U.S. by himself at the age of 16. After graduating from high school in New York State, he attended the State University of New York at Albany. Studied computer science.
    After graduating from the same school, worked for the New York State Department of Education for 10 years as a debt analysis specialist. He then opened his own accounting firm in Torrance in 1995.

    • Introduction / Finance / Insurance
    • 2024/12/26 (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)

    For those who want to pay off their loans quickly ！. A Savings Plan to Avoid Regrets in Retirement

    Many people see a loan as a debt and want to pay it off as quickly as possible ！.
    However, if you put off saving and only put money toward repayment, you may find yourself in a difficult situation when you retire.

    ■ Home values increase every year
    Across the U.S., home prices are expected to increase on average about 4% per year. The figure is only 4%, but since home prices are large in value, a 4% increase is a significant amount of money.
    Thus, in other words, just by living in a house, the price of the house will increase on its own.

    ■ Do you have a retirement savings plan ？
    Many Japanese are serious and want to pay off their loans as soon as possible.
    However, if all the money that should be saved for retirement is allocated to loan repayment, you would end up living on your pension alone. While it is important to repay loans, it is equally important to save for a comfortable life in retirement. The key point here is what I mentioned earlier: "The value of a house increases 4% per year. Since the value of a house increases just by living in it, one of your options is to increase your savings through investments or 401K while you are still working, and pay off your loan at a reasonable pace. ？

    That said, there are many things about loans that you don't understand.
    In such a case, you may want to consider a loan. In such a case, please leave it to us, Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Groves Capital, Inc.(Mitsuko Miller) ）
    Mitsuko has been a loan officer since 1993. Licensed in California, Oregon and Washington. She has clients throughout the U.S. and can respond to inquiries from Japan.

    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below.

    • Introduction / Finance / Insurance
    • 2024/12/26 (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)

    ＜ Did you know ？ ＞ when you want to buy a house, the first thing you need is the documents from the loan company ！

    Most people, when buying a house, will first contact a real estate agent.
    Then they will probably ask, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ？
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get the loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage loan that will meet your future plans ・ and provide you with peace of mind.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Groves Capital, Inc.(Mitsuko Miller) ）
    Mitsuko has been a loan officer since 1993. Licensed in California, Oregon and Washington. She has clients throughout the U.S. and can respond to inquiries from Japan.

    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below.

    • Useful info / Finance / Insurance
    • 2024/12/26 (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)

    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 the home you live in （ 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 have paid off your mortgage, you still pay these taxes and fire insurance, which is the same as if you had no 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.

    Here are some highlights of how it can be used

    #1 You can use it to buy a house. As you get older, it can be intimidating to go into 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, you need 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 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.
    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.

    ■ Groves Capital, Inc. Mitsuko Miller ）
    has been a loan officer since 1993. Licensed in California, Oregon and Washington. She has clients throughout the U.S. and can respond to inquiries from Japan.

    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below.

    Consultation （ Free ）

    • Event / Finance / Insurance
    • 2024/12/19 (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)

    🐣 How to Save for Education ？ [Free Online Seminar] Call for Participants ～

    Will my child go to a Japanese university ？ or an American university ？
    Tuition fees ・ How much money will he/she need for education ？

    By clarifying these vague questions, you can prepare for your child's important future. You can help your child prepare for his or her precious future.

    If you are returning to Japan someday, learn how to efficiently fund your school expenses by taking advantage of opportunities while you are in the U.S.


    "Main Topics of the Seminar"

    ・ Your Child's Future University in Japan ？ University in America ？ How Much Will You Need for Education ？

    ・ Accumulation of tuition fee by American insurance, its merit ・ Demerit ？

    ・ Expatriation or permanent residence, how do senior parents save ？


    *This seminar is free of charge. We will not solicit you to attend the seminar. Please feel free to attend.



    ★ Next Schedule ★

    December 21 （ Saturday ）

    *Times vary by area. Please check the application page.



    ＜ How to join us ＞

    ・ Zoom

    *We will send an invitation to those who have registered through our website below by email. We will send you the information by email.


    ＜ Click here to register ＞

    https://insurance110usa.com/archives/seminar/online-kyouikuhi

    • Event / Finance / Insurance
    • 2024/12/19 (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)

    ♿Surprisingly Little Known State of Nursing Care in Japan and the U.S. "Free Online Seminar" Call for Participants ～.

    In today's aging society, the issue of caregiving has become unavoidable.

    However, there are few places that provide information, and when "caregiving" occurs, it can be a considerable mental, physical, and financial burden on both you and your family
    .

    It is very important to understand the nursing care situation in Japan and the U.S. now, and plan for the eventuality, including returning home.



    Although this is a free seminar, there will be no pressure to attend. Please feel free to attend.



    ★ Next Schedule ★

    [Part 1] Caregiving in Japan and the US
    December 21 （ Sat ）

    [Part 2] Long-term Care Insurance and How to Choose
    Dec 22 （ Sun ）

    *Please check the start time on the registration page as it varies for each area.



    ＜ How to participate ＞

    ・ Zoom

    *We will send an invitation to those who have registered through our website below by email. We will send you the information by email.


    ＜ Click here to register ＞
    https://insurance110usa.com/archives/seminar/online-kaigo

    • Event / Finance / Insurance
    • 2024/12/19 (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)

    🇯🇵🇺🇸 Pensions in Japan and the U.S. ： Are You Ready for a Bright Retirement ？ （ Free Online Seminar ）

    Click here to apply ：
    https://insurance110usa.com/webinar/japanese-and-american-pensions/

    We often hear in the news about "raising the age at which pension benefits begin" <
    The average life expectancy of Japanese people is rising year by year along with this increase.
    We can no longer rely on public pensions alone for our retirement.


    When you are busy with work, hobbies, child-rearing, and daily life in the U.S.,
    you may not have time to think carefully about money one year, much less 10 or 20 years from now.


    However, retirement does not start suddenly; it is an extension of your current life.


    It is important to have even a vague idea of what retirement will be like now.
    Thinking about "what you would like to be like then" will give you an idea of what you should be doing now.


    Do you plan to live in the U.S. ？ or in Japan in your retirement ？

    Please take this opportunity to learn more about "Pension" which is always involved when choosing your future.


    ＜ Next Schedule ＞ Two parts, lots of information ！ ！


    [Part 1] Pensions in Japan and the US ： January 4 （ Sat ） ・ 8th （ Wed ）

    [Part 2] Individual Annuities and How to Choose One ： Jan 5 （ Sun ） ・ 9th （ Thu ）


    *Seminar Start times vary depending on each area. Please check from the registration page.

    • Event / Finance / Insurance
    • 2024/12/19 (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)

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

    Click here to apply ：
    https://insurance110usa.com/webinar/united-states-reserved-insurance-individual-pension/

    Life Insurance in America ・ 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 a 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 ★

    January 12 （ Sun ）

    January 15 （ Wed ）
    *Times vary according to each area. Please check from the application page.

    • Useful info / Finance / Insurance
    • 2024/12/18 (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)

    How to cover loss due to sudden disaster ？ -Casualty Loss and its calculation

    Did you know that if your valuable property is damaged or lost due to a disaster or accident, there is a way to cover the loss through taxation ？ In this article, we will discuss in detail the tax relief available to individuals who have suffered a disaster, Casualty Loss （ Disaster Loss ）. This article will explain in detail about the tax relief available to individuals in the event of a disaster. In addition, we will look at how Casualty Loss can be claimed with specific examples of how it is calculated.

    What is Casualty Loss ？

    Casualty Loss is one of the tax deductions that can be claimed when personal use property is damaged due to unexpected events such as natural disasters, theft, or accidents. Typical examples are earthquakes, wildfires, and floods that occur in California. Losses are deductible only if the federal government declares the area a disaster area.


    ↓ Click here to continue reading ！
    https://www.hkstanfield.com/blog/casualtyloss/

    • Useful info / Finance / Insurance
    • 2024/12/18 (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)

    California Health Insurance Coverage: A Guide to 2024

    In California, all residents are required to have health insurance coverage beginning January 1, 2020. This article will detail the 2024 health insurance coverage requirements, types of exemptions, and how to avoid fines. We will also provide real-life family examples to help you understand the specifics.

    Health Insurance Coverage Requirements

    California residents must either.

    1. have qualified health insurance coverage
    2. obtain an exemption for not having coverage
    3. pay a fine when filing a state tax return

    Health insurance coverage for 2024 will be reported on their 2025 tax return. Normally, you file your income tax return by April 15, 2025, but the filing of your California income tax return is automatically extended to allow you to file by October 15, 2025. \The payment of taxes is not extended. ）

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    https://www.hkstanfield.com/blog/cahealthcarecoverage/

    • Useful info / Finance / Insurance
    • 2024/12/17 (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)

    Difference between FSA and HSA and Savings ・ Tax Savings

    To help you stay healthy and reduce the cost of health care, the United States offers two important health care savings tools: the Flexible Spending Account （ FSA ） and the Health Savings Account （ HSA ）. These accounts are designed to help you cover medical expenses through tax benefits and each has its own specific rules and benefits.

    FSA （ Flexible Spending Account ） What is a ？

    FSA is a type of employer-sponsored health care savings plan that allows employees to pay for annual medical and child care expenses out of pre-tax income The account allows employees to pay for their annual medical and child care expenses out of their pre-tax income. Employees have a pre-determined amount deducted from their paycheck and credited to their FSA account. These funds can be used to pay for medical and approved child care expenses.

    FSA Benefits

    1. Tax Savings: The amount you contribute to the FSA is deducted from your pre-tax income and is therefore not subject to income tax or FICA tax （ Social Security and Medicare taxes ）.
    2. Convenient Payments: You can use your FSA debit card to pay directly for medical and child care expenses.

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    https://www.hkstanfield.com/blog/fsahsa/