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    • Useful info / Finance / Insurance
    • 2024/06/27 (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 Prepare a Cash Flow Statement ： A Guide for Small Business Owners

    A cash flow statement is an important tool for managing a business's cash flow and planning for the future. Especially for small and medium-sized businesses, preparing a cash flow statement is essential to understand the day-to-day status of operating funds and to prepare for unforeseen events. This article will detail the basic methods of preparing a cash flow statement and its importance.

    What is a Cash Flow Statement
    A cash flow statement is a tool for visualizing a company's financial position by forecasting cash inflows and outflows over a specific period. This enables effective cash management by identifying in advance when cash will be insufficient and when there is room to spare.


    Steps to Create a Cash Flow Chart

    Set the Period
    When creating a cash flow chart, define the period you wish to manage, such as weekly, monthly, or quarterly. If you are creating a cash flow statement for the first time, it is recommended that you start by creating it in monthly units.

    Forecast Cash Inflows
    List cash inflows from （ major revenue sources ） such as product sales, services rendered, royalty income, etc. It is important to forecast based on past performance and order information.

    ↓ To be continued ！
    https://www.hkstanfield.com/blog/cashflowtable/

    • Wanted / Medical
    • 2024/06/26 (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)

    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
    • Wanted / Education / Lesson
    • 2024/06/26 (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 want to get results ！ Online tutoring

    Online Tutoring AICAN is now accepting students for
    Summer Course

    😊In 2 months of summer vacation, you will be able to read a year's worth of kanji ！ ✨ ✨ ✨

    Over 15 years of elementary school teaching in Japan and elementary school child care in Hawaii Keiko, who has over 15 years of experience as an elementary school teacher in Japan and in raising elementary school children in Hawaii, will be in charge of this class.

    Keiko's "Emoji Method ® ️" is an effective learning method that appeals to children's visual sense and is easy to remember
    taking advantage of their visual dominance.

    🥲Hiragana, Katakana, Kanji cannot be read
    → 😊Two lessons a week, 8 lessons a month, 50 minutes each time,
    you will be able to read ！ 80 characters.
    In 2 months, you will be able to read 160 characters, almost a year's worth of Kanji. )

    🥲I am in a supplementary school and cannot read Japanese kanji
    → 😊Let me help you.
    Please join the trial lesson first.


    Ms. Keiko

    You can use this inquiry form to contact us.

    We are waiting for you with our fun and reliable learning program.

    Free Trial Lesson

    • Satisfaction guaranteed / Beauty / Health
    • 2024/06/26 (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)

    Risk of immune dysfunction🛑 and lifestyle-related diseases🆘.

    After the age of 20, muscle mass begins to decrease, and by the age of 70, muscle mass decreases to 40% of what it was in your 20s. In particular, if you do not exercise much in your 30s ～ or 50s, your muscle mass will decrease rapidly😨

    , In addition, it has been reported that the ability to regulate blood sugar levels declines, making you susceptible to lifestyle-related diseases such as diabetes and hypertension, as well as pneumonia and infectious diseases due to a decline in immune function. We will help you to increase your muscle mass, eat the nutrients you need to improve your immune system, and build a body that is hard to gain weight even if you eat, and lead you to a healthy and beautiful body in the shortest time possible. Personal Training （ ＄ 80 ） Why don't you try ❓

    Trial Personal Training （ ＄ 80 ） Now accepting applications!

    パーソナルトレーニングダイエットジムパーソナルトレーナーマイク宮本
    • Free trial / Education / Lesson
    • 2024/06/26 (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)

    🐮 Adults vs. Children How to Learn English Differently ？ The Secret to Success in Teaching Children English 🐮.

    The biggest difference between adults and children's English learning is "motivation to learn" 💪🔥
    Young children rarely face things spontaneously such as "I will work hard on English for the future ！" 😅
    The key to children's English learning is "motivational encouragement" 🗝️
    The key to motivate is [to be able to read English sentences] 🔥
    If you can read English, you can increase your knowledge through reading 📚
    You can read the alphabet, read words, read sentences, read books I can read, I can understand the meaning in English... 🙌
    These are a series of new discoveries and "fun things" 😍
    The accumulation of successful experiences leads to further "desire to learn", "confidence" and "independence" 👍

    At TLC for Kids, through our "Original English Song" materials, we teach reading letters We teach reading 🎵
    Children can enjoy learning English pronunciation and reading through songs 👧👦
    The familiar melodies will enhance learning while having fun ✏ ️

    We have experienced teachers in Japan and the United States. Our counselors are experienced in teaching English in Japan and the U.S.A. Our counselors will guide children who are not confident in English or who are new to English to learn in a fun and easy way and to achieve proficiency at or above the level of native speakers at local schools in the shortest possible time 🤗

    Please join us for a free trial lesson first🎵 Age range: 3 years old and up

    Free trial

    Free trial lessons are now available!

    英語子供日本語トーランスバイリンガル
    • Wanted / Education / Lesson
    • 2024/06/26 (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)

    ◆MK Labs Summer Camp Information◆ ◆MK Labs Summer Camp Information

    Make the most of your summer vacation time ！ MK Lab offers a variety of summer camps to choose from.
    morning or afternoon only $165 per week. 9-18 ： 30 full days $320 per week.

    7/1-7/5 Brain Training Camp ◆ Intensive brain training by solving 2 and 3 sided problems of drills. This training is different from studying and cannot be done normally.

    7/8-7/12 Japanese Language Camp ◆This camp aims to establish basic academic skills through intensive study of Kanji, which many children have difficulty with, and sentence reading comprehension.

    7/15-7/19 Abacus ＆ Math Camp ① ◆ Intensive special training to pass the first grade and above. You can try the test as many times as you want during the camp.
    *As a beginner, you can borrow an abacus.

    7/22-7/26 Sogetsu Style Ikebana Camp ◆Practice 4 basic forms and free style flower arrangement. You will experience the joy of designing and experiencing ikebana. Please add ikebana to your daily life.

    7/29-8/2 Art Camp ◆Crafts, painting, sand art and other unusual art activities. Experience the joy of making.

    8/5-8/9 Abacus ＆ Math Camp ② ◆ Intensive training to pass the first grade and above. You can try the test as many times as you want during the camp.
    *As a beginner, you can borrow an abacus.

    8/12-8/16 Baking Camp ◆Cooking classes in Baking such as cookies, breads, pizzas, etc. After the camp, you and your child will have a chance to learn how to cook at home. After the camp, you and your children can try making your own homemade products at home.


    Please see the application form and information for details.

    • Discount / Medical
    • 2024/06/26 (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)

    ★ ★ Revolution for blemish removal ★ ★ Long Beach Office opening celebration ‼ Introduction of new laser for amazing whitening care to prevent blemishes ☆

    😊😍BB Glow Laser😊💕

    LAVIEEN™ (Thulium Laser, 1927nm™), better known as the BB laser, provides excellent whitening results.

    This is a non-ablative skin resurfacing rejuvenation laser that produces excellent results with minimal downtime.

    In addition, the LAVIEEN's adjustable energy intensity makes it ideal for treating melasma, pigmented lesions, wrinkles, and large pores.

    The pulse duration is measured simultaneously during treatment.

    This subablation of the LAVIEEN system is best indicated to treat pigmentation of the epidermal basal layer.

    LAVIEEN indications
    1 ． Skin tone ＆ Skin texture （ Grain ） Improvement
    2 ． Wrinkle improvement
    3 ． Pores improvement
    4 ． Post scarring Improvement of posterior scar

    BB GLOW
    1 time → ＄ 550
    5 times → ＄ 2300

    LaVEEN 😊😍Grade up😊😍
    ＄ 1100 Reg $ 1250 ） ★ Anaesthesia Long Beach office only

    https://mailchi.mp/de67159a6068/rejuvenate-your-skin-this- summer?e=6549fc2518

    😊😍Tattoo removal😊💕
    Long Beach Office opening price
    10% off package purchase


    [Facials]
    GCL Signature Facial
    GCL AcneScar Facial
    GCL Anti-Aging Facial
    GCLCBD Facial
    GCL Touch ＆ Glow Facial
    GCL Black Pearl Facial
    GCL Pico Laser Facial


    Please contact our office for more information.
    Long Beach Office appointments are always available
    Please feel free to contact us.

    Discount

    Long Beach Office Opening Celebration - Extra 10% off the package price!

    • Useful info / Professional
    • 2024/06/26 (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)

    Need help with your divorce ❓ Call us for a free initial consultation （ 1 5 minute ）. Reasonable legal fees.

    LAW OFFICES OF MIYUKI NISHIMURA
    We can solve your problems at the Law Office of Miyuki Nishimura.
    If you are troubled with divorce problems, etc., ？
    please feel free to contact us.
    We offer a free 15 minute initial consultation.
    Simple Divorce ＄ From 1500.
    All consultations are in Japanese, so we can help you understand the legal language and help you make an informed decision.

    Divorce Divorce

    Custody Custody

    Child Support Child Support

    Spousal Support

    Division of Property Division of Property

    Domestic Violence Prevention

    Premarital Agreement


    Please contact us with your concerns. Please feel free to contact us.
    Nishimura & Miyuki Law Office
    Mon - Fri: 9 am to 6 pm
    If you have any questions or concerns, please contact us at
    miyuki@lawofficeofnishimura.com

    For reservations or estimated costs, please contact us at
    joan@lawofficeofnishimura.com

    https://www.lawofficeofnishimura.com/ja

    First 15 minutes free

    • Free trial / Education / Lesson
    • 2024/06/26 (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)

    We will help you achieve your goals ！.

    From daily conversation to business English,
    From Eiken to TOEIC ★ ☆
    Have fun mastering English ！

    Complete private room, children welcome ★
    Online lessons also available.

    Free trial lesson now ＋ 10 lesson tickets ＄ 50 OFF ！

    Check out the profile of English Park's head instructor, Ms. Sharmin in VOYAGE LA Magazine ♪

    http://voyagela.com/interview/hidden-gems-meet-sharmine-park-english-park-llc/

    Feel free to email us and talk to you soon!

    English Park
    21151 S. Western Ave. #131 Torrance, CA 90501
    TEL: 424 -210-6523
    Email: lessons@englishpark.us

    Please feel free to contact us by "Send Message" below.

    Free trial

    1 hour free trial

    日常会話ビジネス英語英検TOEIC英語力
    • Discount / Beauty / Health
    • 2024/06/26 (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)

    🌹 Over 1000 cases per year💜Trusted and proven painless 3D art makeup💓Latest non-falling eyebrow eyeliner lip💛Brow microblading ・ Nano shading💚Eyeliner as you want from natural to gorgeous💙Latest lip art💗Open also on weekends ！

    💓More than 1000 cases per year. We offer a full course of the latest techniques by popular artists who are well versed in Japanese and Asian eyebrows based on trends.
    💓Brows ・ Eyeliner ・ Lips ・ High quality and attentive service that only a specialized art make-up salon can provide
    💓Popular skin needling service with personalized cocktail to meet various skin concerns.


    ★ Artmakeup is convenient in this age of masks ★ Belote offers all artmakeup services without paints.

    💛The industry's latest 3D eyebrow art customized for you
    (microblading ＋ Nano shading, powder ombre, nano brow, etc. We will make it custom made including modification from other stores 🙂)
    💛You can have natural or gorgeous eyeliner of your choice in full course
    💛Latest lip art 💛Scalp art to cover thinning hair 💛Medical art makeup 💛Art makeup removal
    💛Skin Needle ＋ Botox or Placenta or Retin 💛For spots, wrinkles, elasticity and acne scars

    Furthermore, our thorough sterilization and hygiene control will give you peace of mind.
    Our business operations comply with state and county regulations.

    Open 11am － 6pm, closed Tuesdays.




    ★ Easy access and plenty of private parking ★

    Bellute Beauty Studio
    🌸 Special this month ！

    🌸 Industry's Newest 3D Eyebrow Art Full Course of Microblading and Shading $300 ！
    Fully customized for you.

    🌸 Natural ・ Gorgeous eyeliner $250 top only $300 top and bottom
    🌸 Latest lip art $350
    🌸 New skin weapon Cool Jet Plasma from $200
    🌸 Very popular skin needle from $200
    🌸 Dream serum exosome ＋ Skin needle $300
    🌸 Microbotox for tightening pores and smooth skin $300
    🌸 YUMI Lash $125
    🌸 Tattoo removal （ Eyebrow and eye line removal ） ＄ 200
    🌸 Skin tag removal （ Small warts and blemishes ） Unlimited removal by area ＄ 150
    We have an excellent sense of design, advanced techniques, and the best prices anywhere.
    We offer a custom design that fits each customer's taste, atmosphere and wishes as well as the golden ratio to make you look great and young.
    Microblading ＋ Shading creates natural eyebrows.


    ☆ We have added many photos of the procedure. Please take a look ☆


    We are open on weekends ！
    ＋ Microblading We always offer a full course of the latest techniques in the industry including shading and natural art makeup
    Touch ups are $100 for any number of touch ups within 6 months ！
    We promise a special menu for years to come and maintenance is available at a special price just for our customers. We promise you a special menu for many years to come and maintenance is available at a special price.


    We are a professional salon.
    The most advanced anesthetic cream available, so you don't have to worry about pain.
    Custom designs and colors to make you look younger ！
    The latest and highest grade American-made ink that will not discolor over time.
    Made under strict controls to prevent color fading, discoloration, allergies, and MRI concerns.


    The latest 3D art makeup salon "Belote ・ Beauty Studio"
    We are continuing our popular campaign
    We offer a relaxing treatment in a private room with complete privacy We provide all services from counseling to treatment and aftercare in Japanese.



    Special price

    The latest in the industry ！ ★ Belote Original Hybrid 3D Brow Full Course （ Microblading ＋ Customized nano shading and more ） $ 300

    ★ Natural or gorgeous eyeliner on top （ Art makeup like eyelash growth ） $ 250

    ★ natural or gorgeous eyeliner top and bottom （ art makeup like eyelash growth ） $ 300

    ★ latest lip art $ 350
    ★ Hairline Art Make $ 350 (Temple small area. Varies slightly depending on the area ≪)

    ★ Scalp Micropigmentation （ Thinning hair coverage other than temples ） 3" square $ 350



    +++++++++++++++++++++++

    ★ Touch up Eyebrows ・ On eyeliner ・ Scalp ・ Lip 1 time $ 100 (For those who have been treated in our salon Only for clients who have been treated at our salon) Any number of sessions within 6 months of the first treatment

    ★ Annual Session Maintenance treatment. A special menu for our salon clients only. You can return any number of years after the touch-up period to have it done. <16366>
    Initial treatment time: about 2 hours / including consultation



    ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋


    The overwhelming difference is the design and quality
    Confidence because we are a specialty store ！
    We always provide satisfying services with the latest techniques and design sense


    Consultation
    All services are available in Japanese



    ＋ ＋ ＋ ＋ ＋ ＋ <22566> ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋ ＋

    Belleote is different here ！

    Eyebrow that adds color to eyebrows as if drawing hairs. Microblading ＋ Nano shading, ombré, nanobrows, etc.
    Natural 3D art makeup for your eyebrows.

    Eyelash enhancement instead of traditional eyeliner
    Natural art makeup that looks as if you have more eyelashes

    3D art makeup for thinning hairline and parting to increase volume

    Satisfactory consultation and treatment with the latest technology and sense, including trend and makeup advice.
    Painless cream is used for the treatment.
    You will have perfect eyebrows and eyes while you relax and unwind.
    The duration of the treatment is approximately 1 year ～ 2 years, depending on the condition of your skin and your lifestyle.
    The color is applied to a very shallow area of the skin, so it is possible to change the design when the color fades.

    Get a maintenance-free natural make-up free skin from today.




    Bellute Beauty Studio
    Bellute Beauty Studio
    18051 Crenshaw Blvd. #A
    Torrance, CA 90504
    ＊ Plenty of parking is available behind the building


    Call or Text us at (424)527-7330
    Japanese Here you go






    ★ ★ ★ ★ ★ ★ ★ Permanent make-up learned in Japanese

    The pace of learning varies from person to person.
    Various private lessons available with flexible schedule.

    ⭐️Commercial Materials ⭐️
    Lip PMU Course Days ： 3 days
    Scalp Art Course Days ： 4 days
    3D Breast Regeneration Course Days ： 4 days
    Scar Camouflage Course Days 3 days
    Stretch Mark Reduction Days ： 2 days
    Fine Line Reduction Days ： 2 days

    Education ・ Experience ・ Skills ・ No Age Requirements
    Contact us for more information
    Call/Text (424) 527-7330
    ★ ★ ★ ★ ★ ★ ★

    Discount

    🌺 Popular 🌺
    ✨ Micro Channeling for Glutinous and Smooth Skin ✨
    Skin Ne...

    眉アートマイクロブレーディングアートメイク眉毛アイライン
    • Signature service / Education / Lesson
    • 2024/06/26 (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)

    English Conversation] Yoko-sensei's "One Phrase to Get Closer to Native English Speakers" ！ ！ # 6

    Yoko-sensei's "Short Phrases to Remember"
    Here are some phrases that are simple, but when it comes time to say them in English, you'll say "eh ？" ！
    Let's go around using one phrase a week ！
    Try to use it every day. Then it will be your expression😊


    ⭐️ Level Up English Conversation ⭐️

    Phrase of the Week I'm hooked on ice cream.
    _____________________ ______________________________
    I'm hooked on ice cream.

    ▶ ️ be hooked on is an idiom meaning "hooked on ~".
    Phrases to remember by occasion
    1 ． I have another sweet tooth.　　
    I have room for sweets.

    ▶ ️ When you want to say you are full but have room for something sweet.　　
    2. 。。。。。。 please have less.
    ▶ ️ Please use less salt.
    go easy on the salt, please.

    go easy on ＋ people "go easy on"
    go easy on + thing "be moderate"

    3. please give me a hot dog with all toppings (v3366) 3. give me a hotdog with all the toppings
    Give me a hot dog with the works, please.
    ▶ ️ This phrase is often used in fast food.

    ⬇️BYB is a school where speaking English is fun ⬇️

    [English will continue because it is fun. English will grow.

    Since its opening in 1985, BYB English Center has continued to offer one-on-one English lessons to students of all ages, with the goal of
    thoroughly meeting each student's individual needs. The Center continues to offer one-on-one lessons to students of all ages.
    BYB's one-on-one lessons are tailored to each student's level and needs, so that
    students can learn what they want to learn without wasting time.

    Please contact us for more information ！.

    • Useful info / Finance / Insurance
    • 2024/06/26 (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 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.

    • Introduction / Life / Housing
    • 2024/06/26 (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)

    ＜ 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 you will be asked, "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 a 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 company that will satisfy your ・ future plans.

    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.

    ■ 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.

    • Introduction / Life / Housing
    • 2024/06/26 (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)

    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 by an average of 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. In this way, it can be said that the price of a house rises by itself just by living in it.

    ■ Do you have a retirement savings plan ？
    Japanese people are very serious and many of them want to pay off their loans as soon as possible.
    However, if all the money that should be saved for retirement were to be used to pay off loans, 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 by 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 and 401K while you are still working, and pay off your loan at a reasonable pace.
    That being said, there are many things about loans that are not clear.
    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.

    ■ 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 "Send Message" below to If you cannot answer the phone, please contact us by clicking the "Send message" button below.

    • Useful info / Finance / Insurance
    • 2024/06/26 (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)

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

    About CalHFA]

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

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

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

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

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

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

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

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

    Closing Cost Assistance Program is called Zip.

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

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

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

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

    Please feel free to contact us.

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

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

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

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

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

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

    住宅ローン家モーゲージ
    • Useful info / Professional
    • 2024/06/26 (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)

    Need help with your divorce ❓ Call us for a free initial consultation （ 1 5 minute ）. Reasonable legal fees.

    LAW OFFICES OF MIYUKI NISHIMURA
    We can solve your problems at the Law Office of Miyuki Nishimura.
    If you are troubled with divorce problems, etc., ？
    please feel free to contact us.
    We offer a free 15 minute initial consultation.
    Simple Divorce ＄ From 1500.
    All consultations are in Japanese, so we can help you understand the legal language and help you make an informed decision.

    Divorce Divorce

    Custody Custody

    Child Support Child Support

    Spousal Support

    Division of Property Division of Property

    Domestic Violence Prevention

    Premarital Agreement


    Please contact us with your concerns. Please feel free to contact us.
    Nishimura & Miyuki Law Office
    Mon - Fri: 9 am to 6 pm
    If you have any questions or concerns, please contact us at
    miyuki@lawofficeofnishimura.com

    For reservations or estimated costs, please contact us at
    joan@lawofficeofnishimura.com

    https://www.lawofficeofnishimura.com/ja

    First 15 minutes free

    • Signature service / Professional
    • 2024/06/26 (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)

    🇯🇵🇺🇸For those who want to bring their overseas family to the US ✈️

    If you are interested in bringing your overseas family members to the U.S., ！ let WITH Legal Solutions help you.

    We are experienced professionals who can assist you in the application and acquisition process ！

    We assist clients in Japan, Asia, Europe, and the United States ！ Please feel free to contact us in Japanese.

    ***Contact Us***
    Email Address: withlegalsolutions@gmail.com

    [Visa and Green Card related services]
    ・ Bringing family members from abroad <2464> ・ Work permit
    ・ Change of status, etc., or application through family or work ）

    Please check our website for other details.
    WEB: withlegalsolutions.com

    ＼ Please contact us either in the US or overseas ！ ／

    … … … … … … … … … … … … … … … … … … … … … … … …
    Please feel free to contact us by clicking on the yellow phone book symbol below
    [Contact Form
    … … … … … … … … … … … … … … … … … … … … … … … …

    ビザグリーンカード離婚弁護士法律
    • Wanted / Education / Lesson
    • 2024/06/26 (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)

    Tsukushi En] ～ Seeking 2 infants 2 years old and up ～ Japanese American nursery school in South Bay Please apply as soon as possible!

    Due to the new school year, Tsukushi En will have only 2 full time （ Mon-Fri ） slots available for 2 years old and up for the August start.
    We fill up quickly every year, so please come early.

    Please contact us with the contact information found in the "Contact" section of our website.

    Children under 2 years old are on our waiting list, as we have reached our maximum capacity.
    Please contact us with the same information and the names and addresses of both parents.

    Infants are given lots of love and caring ！
    Toddlers are given independence before school ！

    ★ Childcare Policy ★

    We are committed to providing a safe and caring environment for children from newborn to school age. We provide childcare services for children from newborn to school age, allowing them to experience both Japanese and American cultures.

    We provide a small, caring environment that fosters cooperation, independence, social skills, responsibility, and a sense of caring through our vertically divided daycare, and we offer many experiences that larger daycare centers cannot provide.

    From the age of 2.5 years old, a school lunch with a balanced nutritional diet and plenty of vegetables is provided, which is great for working mothers.
    We encourage toddlers to be self-motivated and independent before they start school ！ and nurture their curiosity and cooperative spirit.

    Japanese American preschool in the South Bay with a safe environment and ample grounds is always looking for students ！.

    • Useful info / Professional
    • 2024/06/26 (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)

    Free ！ Employment in the U.S. ・ Job Search Helpful Newsletters Available ！

    Recruitment ・ Quick USA, a temporary staffing agency, publishes
    a newsletter in Japanese full of useful information for job seekers.
    The content includes the latest job postings in the U.S., interview strategies, and other useful information
    that you will find useful and beneficial when looking for a job in the U.S.


    If you would like to receive our newsletter, please send us your name
    （ English ）, telephone number, address, and e-mail address to the following e-mail address
    .

    E-mail : quick@919usa.com


    Or you can also apply via the following link.
    https://www.919usa.com/subscribeNewsletter.aspx?type=1


    Please note that we cannot offer jobs to those who only subscribe to our newsletter. Please register your English resume online if you would like to be referred for a
    job.

    www.919usa.com



    QUICK USA, Inc.
    www.919usa.com

    • Useful info / Professional
    • 2024/06/26 (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)

    ★ Quick USA can help you find a job in the USA ！.

    Job Change in the U.S.A. ・ We are QUICK USA, Inc. an employment agency.

    Are you looking for a job in the U.S., thinking of changing jobs, or want to work in the U.S. in the future
    Are you thinking of "changing jobs in the U.S." or "finding a job in the U.S." ？

    To realize your dream of working in the U.S., you need to overcome several obstacles such as work visa
    Step ・ by ・ step by step, overcoming several obstacles such as work visa, etc.

    "Who should I talk to ？?" and "Where should I find a job ？?
    There are many aspects of looking for a job in the U.S. that are different from those in Japan, and there are many things I don't understand.

    Sometimes QUICK USA, Inc. is like a marathon runner. And sometimes like a coach leading a team. We support job seekers from a professional standpoint in order to secure the goal of "changing jobs ・ in the U.S.".

    What does "working" mean to you ？ There must be more than just making money. Why don't we start our conversation from such a place ？


    People who enjoy their work seem to shine from the inside out. We want to bring smiles and happiness to as many people as possible.


    -------------------------------------------
    Career change in the U.S. ・ Free support for finding a job ！
    ------------------ -------------------------

    Our experienced and honest recruiting consultants will help you find a job in the USA. We listen carefully to you on a one-on-one basis to find the right work style and position for each of you. We will support you until the job starts, and in some cases, even after the job starts.

    For more information → www.919usa.com

    Latest jobs → www.919usa.com


    ------------------- -------------------------
    From Registration to Employment
    --------------------------------------------

    If you are looking for a "Career Change in the USA" or "Employment in the USA If you are thinking of "changing jobs in the U.S." or "finding a job in the U.S.", you should first "register for free" at Quick USA's website. We introduce jobs not only in New York and Los Angeles, but also all over the United States. We will introduce you to jobs in the U.S. that will make the most of your hopes and career, free of charge. We do our best to help you meet your desire to work in the United States. Our service is free of charge to our clients from the time of registration to the time you join our company. It is a free service!


    ☆ ☆ STEP 1 : Register for free on our website ☆ ☆
    If you are new to our service, please visit our website （ www.919usa.com ） and click on the Please register online by clicking on the "Register" button on the home page. A resume in English is required for registration. Please prepare a Word or PDF file of your resume.

    *If you are busy, you can also use our Express Registration service by sending your resume by e-mail.
    E-mail:quick@919usa.com
    Please send us your resume in English as an attachment. We will contact you shortly.


    ☆ ☆ STEP 2 : Counseling ☆ ☆
    Our recruiting consultants are experienced in all industries and job types. We provide objective career assessments and resume writing advice.


    ☆ ☆ STEP 3 : Provide job information ☆ ☆
    From a large number of job information, we will introduce you to jobs that best suit your aptitude and needs, considering your experience and wishes based on your counseling. We are able to provide you with the most suitable job opportunities. We are able to quickly learn about trends in the job market.


    ☆ ☆ STEP 4 : Recommendation to a company ・ Interview with a company ☆ ☆
    We will recommend you to a company after fully explaining about the company and job contents and confirming your willingness to apply. You can apply to multiple companies at the same time. We also take responsibility for arranging interviews on your behalf.


    ☆ ☆ STEP 5 : Offer of employment ・ Joining the company ☆ ☆
    We will inform you of the results of your interview.
    We will also receive your intentions and coordinate details such as employment conditions and the date of joining the company. We will follow up with you even after you join the company. Please feel free to consult with us about anything.


    ------------------------------------------------------
    For companies considering hiring
    --------------------------- --------------------------
    If you are considering hiring in the US, please contact us. It is becoming more and more important to have effective and efficient human resources strategies to attract and retain people for the purpose of organizational growth and vitality. Quick USA offers flexible human resource ・ solutions to meet the needs of diversified businesses and organizational structures to maximize the use of the people you really need, when you need them. We promise to always be a reliable and professional "External Human Resources Department" to help you achieve your business objectives.

    -------------------------------------------------
    About QUICK USA , Inc.
    ------------------------ -------------------------
    QUICK USA, Inc. is the U.S. subsidiary of Japan's Quick Corporation （ Code ： 4318 TSE First Section ）. As a member of the Quick Group, Quick USA, Inc. provides comprehensive human resources services in the U.S. by connecting people and companies. Based on the management philosophy of "Making everyone happy" and "Contributing to society through the human resources and information business", we are engaged in the human resources services business, including human resources placement ・ and temporary staffing. We are building a network of human resources with a global perspective and meeting the needs of our registrants as a reliable recruiting ・ consultant and corporate human resources staff as a professional human resources strategic partner with integrity and reliability.

    QUICK USA, Inc.
    www.919usa.com
    www.919usanews.com
    970 W 190th Street, Suite 590 Torrance, CA 90502 Phone: 310-323-9190
    Fax: 212-692-0853
    E-mail: quickla@919usa.com

    https://www.919usa.com