Should a married couple create one trust or two? To some extent, it comes down to a matter of preference. Some couples see their stuff as belonging to both of them, while others differentiate between one spouse’s stuff and the other’s. Differentiation might be important if one spouse has children from a prior marriage, and the preference is to have the stuff that one spouse brought into the marriage going to that spouse’s descendants. Another practical reason for using separate trusts is that the trust of the first spouse to die can be designed to provide heightened creditor protection for the surviving spouse.
If both spouses want the survivor spouse to have unlimited control over their combined assets after one of them dies, one trust will work. However, unlimited control means that the survivor can leave their combined assets to his or her next spouse, or the next spouse’s children (to the exclusion of the original couple’s children). This is not rare. But special rules can be built into their rule books to make sure that their stuff can be used for the two of them for as long as both live, and then for the survivor for his or her lifetime, and then each spouse’s stuff goes where he or she wants, irrespective of the wishes of the survivor.
Your trusted advisors can help you choose what will work best for you and your ‘ohana.
Should a married couple create one trust or two? To some extent, it comes down to a matter of preference. Some couples see their stuff as belonging to both of them, while others differentiate between one spouse’s stuff and the other’s. Differentiation might be important if one spouse has children from a prior marriage, and…
Two emotions are common for those who are nearing retirement — excitement and fear. Leaving the working world behind can feel empowering; however, apprehension about entering a new life stage may also creep in. If you’re nearing retirement, you’ve likely taken steps to prepare financially for the future. But there’s one important thing you might not have considered adding to your pre-retirement checklist — a practice run. Test driving aspects of your plan before you’re actually in retirement can help provide a sense of security.
What does your ideal retirement look like? Deciding how to spend your time (and your money) in retirement is not always an easy. As we age, our interests, hobbies and relationships change. What you may consider your “ideal” retirement when you’re 55 may not be the same as when you’re 65, which can make it hard to plan accurately for retirement. Consider sitting down with your spouse or family members to explore how aging and future milestones may alter your retirement. Your financial advisor can help you make a plan that aligns your ideal retirement with your financial situation.
Test drive your retirement lifestyle. Many people pledge a significant amount of savings towards a particular lifestyle in retirement — a home in another part of the country or an annual trip abroad. Problems can arise if you have made a financial commitment to a certain lifestyle but change your mind later. It’s better to understand the potential implications of altering your plan before you actually retire. For example, if your retirement plan includes a big move to a new location, you may benefit from a practice run before making the relocation permanent. Be prudent and build some flexibility into your plan to avoid unintended consequences.
Simulate your retirement expenses. The idea that your cash flow no longer comes from a reliable paycheck can come as a shock — even to those who are well prepared for this change.
One idea to accomplish a sense of financial security is to run two accounts for a certain period of time. Through one account, manage all of your household and lifestyle expenses that you expect during retirement — food, clothing, shelter, utilities, taxes and insurance — as well as “nice-to-have” items like dining out and traveling, etc. You may have to estimate or inflate your lifestyle expenses for retirement as they could rise when you have more free time.
Through the second account, manage all of your expenses that are expected to end in retirement — principal and interest on a mortgage payment (if your home will be paid off), car payments, college costs for your kids and contributions to retirement plans.
The best way to get a handle on these expenses is to experience them while you’re still working. Take that trip to Europe before retirement. If the cost is different than expected, make adjustments to your financial projections to reflect reality.
Perfecting life in retirement. A little practice can help ease emotional and financial concerns when making the jump into retirement. Consider working with a financial advisor who can help you determine a budget and a retirement income plan that fits your needs and desires.
Two emotions are common for those who are nearing retirement — excitement and fear. Leaving the working world behind can feel empowering; however, apprehension about entering a new life stage may also creep in. If you’re nearing retirement, you’ve likely taken steps to prepare financially for the future. But there’s one important thing you might…
Managing rental agreements can be challenging, especially when tenants face financial difficulties. When rent isn’t paid and communication breaks down, eviction often becomes the next step. However, there’s a way to address these issues before they escalate into legal proceedings. The Early Eviction Mediation (EEM) program is a neutral, solution-based approach whereby tenants and landlords can come together with the help of an impartial mediator to find mutually agreeable solutions that allow tenants to remain in their homes while enabling landlords to receive payment — without needing to go to court.
What to Expect from EEM
Mediation is straightforward and accessible. Sessions are conducted through Zoom. For those with no internet, The Mediation Center of the Pacific (MCP) provides in-person access at its office.
Both parties are required to sign a confidentiality agreement to protect the privacy of the discussions. The mediation session typically lasts about 1.5 hours, during which the mediator helps facilitate communication. Participants can also meet with the mediator separately.
In addition to the mediator’s guidance, participants can involve case managers, social workers or US Veterans Affairs Department case managers to ensure they have support and resources.
Mediations are scheduled quickly, typically within 48 hours, and can be resolved in three to five business days, depending on the availability of the parties involved. This quick turnaround time is especially important for senior tenants facing eviction and senior landlords who rely on rental income for their livelihood.
Benefits of EEM
The mediation program boasts an impressive93% agreement rate. Agreements can include payment plans, giving tenants a chance to catch up on overdue rent, or mutually agreed-upon move-out dates that allow sufficient time for tenants to secure new housing. Such solutions help foster greater housing stability, allowing tenants to stay housed longer and landlords to avoid costly, uncertain legal proceedings.
Mediation is cost-effective and efficient. It helps prevent the emotional and financial toll of eviction, improves communication, and strengthens trust between tenants and landlords. By addressing these issues early, both parties are empowered to find solutions that keep the housing market stable and reduce the risk of future disputes. Contact us for more information.
Managing rental agreements can be challenging, especially when tenants face financial difficulties. When rent isn’t paid and communication breaks down, eviction often becomes the next step. However, there’s a way to address these issues before they escalate into legal proceedings. The Early Eviction Mediation (EEM) program is a neutral, solution-based approach whereby tenants and landlords…
Lana grew up in Kalihi, where her exceptional voice was recognized early on. Her family often said, “You have a voice you can hear three blocks away!” This talent led her to study at the University of Hawai‘i and later at San Jose State University, where she earned a master’s degree in vocal performance and piano. Through the years, Lana became well-known for her operatic roles across California, New York, Canada and Hawai’i, enjoying a long career as a teacher, performer and music director.
Many years after returning home to care for her mother, Lana faced unexpected challenges. Struggling with memory loss, she found it difficult to make ends meet, with many of her meals consisting of just bread, tuna and Vienna sausages. She reached out to Hawai’i Meals on Wheels and we delivered meals to her within a day.
Lana and Keoki
Because Lana is homebound, she really looks forward to visits from our meal delivery staff and volunteers. Recently, we made a special Saturday visit to Lana — bringing both lunch and music to share. We learned that she had once sung with the Royal Hawaiian Band. Even more remarkably, her meal delivery driver, Keoki, revealed that both he and his father had also performed in the band. It was a beautiful moment of connection!
Lana cherishes these interactions. “Those who bring my meals are wonderful,” she says. “I look forward to their smiles, ‘good mornings’ and ‘how are yous.’ They are always uplifting. While I miss doing the things I used to do, the small interactions and time to talk story keep my most precious moments alive.”
Home-delivered meals have brought Lana great relief, providing both nutritious food and a consistent source of comfort.
“People ask, ‘Do you still cook?’ I say, ‘Are you kidding? I have Hawai’i Meals on Wheels!’ No need worry. I love the meals. They are perfect — healthy and just the right portions,” Lana said.
Lana’s story is a testament to the power of community and connection. Through the simple act of delivering meals, Hawai’i Meals on Wheels ensures kūpuna like Lana are not only nourished but also reminded that they are cherished and never alone. These moments of shared humanity and care define what we do — and why it matters.
For more information about the program, please contact Hawai‘i Meals on Wheels using the information provided below.
HAWAI‘I MEALS ON WHEELS (501(c) 3 nonprofit) P.O. Box 236099, Honolulu, HI 96822 808-988-6747 | hmow.org
Lana grew up in Kalihi, where her exceptional voice was recognized early on. Her family often said, “You have a voice you can hear three blocks away!” This talent led her to study at the University of Hawai‘i and later at San Jose State University, where she earned a master’s degree in vocal performance and…
Eleanor Katz used to drive to a gym for her exercise classes. When she wanted to dine with friends, she arranged it. When she volunteered (a passion since this New York native was living in Brooklyn), she left her home to do so. Now she does all those things at the senior living community where she resides on O‘ahu.
So if you are hesitant about making the move to a senior living community because you fear it will decrease your independence, Eleanor says, don’t worry.
“There are many things I like to do that I still do,” says Eleanor, an avid reader and walker. “I participate in exercise classes, for example. I volunteer at our thrift shop. I see my son and my daughter-in-law. I like to travel. I maintain my independence, but in a convenient way.” Her senior living community enables her to set aside time for the things she likes to do, like going out to visit friends and family.
A senior living community can enhance your life by creating opportunities that support overall mind-body-spirit well-being and independence.
“The entire staff — housekeeping, dining room and maintenance staff — all know us by name,” Eleanor says. “They’re all very professional, and they’re also very warm and caring.”
GOOD SAMARITAN SOCIETY – POHAI NANI 45-090 Namoku St., Kaneohe, HI 96744 808-247-6211 | good-sam.com
Eleanor Katz used to drive to a gym for her exercise classes. When she wanted to dine with friends, she arranged it. When she volunteered (a passion since this New York native was living in Brooklyn), she left her home to do so. Now she does all those things at the senior living community where…
Caregivers are at a great risk of overwhelming stress and burnout due to the enormous responsibility put on them. But as the saying goes, “You can’t pour from an empty cup.” So what are some realistic ways to “refill your cup?”
The first step is to create space and time to care for yourself. Think of hobbies you enjoy and make time for them. Staying active and getting quality sleep will also help you keep up the stamina you will need to continue providing good care to your loved ones. Your community can also offer tremendous support. Many support groups, both in person and online, can connect you with others going through the same struggles. They may provide resources like respite care, tips for caregiving and even counseling services.
Lastly, be kind to yourself and give yourself grace. Caring for an aging parent can bring up a rainbow of emotions and letting yourself feel them without judgment can help you process them. The work you do is important and even if you feel alone, you are part of the roughly 154,000 caregivers in Hawai‘i. You are not alone in this. Don’t forget to fill your cup!
Caregivers are at a great risk of overwhelming stress and burnout due to the enormous responsibility put on them. But as the saying goes, “You can’t pour from an empty cup.” So what are some realistic ways to “refill your cup?” The first step is to create space and time to care for yourself. Think…
When I was growing up, it was a custom for my family to wave goodbye to those leaving after a visit. We waved at the door, the end of the driveway and the airport. We waved until we could no longer see them, their car or plane! With tears in our eyes, we waved. In our hearts we already longed to see them again!
When we left for school or work, my mother would stand and wave until we were out of sight. There was something reassuring about seeing her, knowing she would be there when we returned. I guess that’s the power of the goodbye wave. It’s a physical confirmation of love.
Now, in her final stage of dementia, my mother has been in and out of hospice four times. Each time was a goodbye and each time I waved goodbye — each time, with tears in my eyes. Each time, I relived the grief of losing her. Each time.
Most days, I’m overcome with emotion, yet I cope, thanks to weekly support sessions. Please get the support you need and also remember that you are not alone.
When I was growing up, it was a custom for my family to wave goodbye to those leaving after a visit. We waved at the door, the end of the driveway and the airport. We waved until we could no longer see them, their car or plane! With tears in our eyes, we waved. In…
As we age, oral health becomes even more essential in order to maintain a healthy mouth, not just for ourselves, but also as an example for future generations. Passing down the tradition of good oral hygiene habits can have a lasting impact on your keiki and grandchildren.
Just as traditions like family meals and shared stories strengthen bonds, teaching children the importance of brushing, flossing and regular dental visits help instill lifelong habits that help prevent serious oral health issues. These small yet powerful routines become part of who they are, ensuring their health for years to come.
As role models, adults have the unique opportunity to demonstrate that oral care isn’t just a chore but a vital part of a healthy life. By brushing our teeth twice a day, flossing daily and regularly visiting the dentist as part of our routine, we show younger family members the importance of self-care and creating healthy habits.
By embracing oral health as a tradition, we not only safeguard our own well-being but also pass down a legacy of care and self-respect. The example we set today will continue to shape the smiles and health of tomorrow. Let’s celebrate the simple act of oral care as a lasting gift for those we love!
As we age, oral health becomes even more essential in order to maintain a healthy mouth, not just for ourselves, but also as an example for future generations. Passing down the tradition of good oral hygiene habits can have a lasting impact on your keiki and grandchildren. Just as traditions like family meals and shared…
Many seniors first step into the Y because their doctor says they need to keep moving. Others stop in for a visit because their health plan includes a free membership. Some are nudged to give “the Y” a try by family members who want them to get out and stay engaged. But what happens next is something we see time and again — what starts as a single visit turns into a daily routine, a lifeline — a second home.
It’s that first warm greeting when they check in — and every time after. It’s the welcoming class instructor, friendly potlucks, laughter over mahjong or the camaraderie of our Kupuna Food & Fun program, where seniors share meals, swap stories and enjoy activities. Some classes are staff-led, like crafting, bingo and gardening. Others are member-led, with seniors sharing skills in lei-making, cooking or ‘ukulele. Volunteers even teach seniors how to confidently and safely use iPhones and email.
With seniors making up a third of Y members, there are endless opportunities to make new friends and reconnect with old ones. And it’s affordable — many health insurance plans include free Y memberships. We offer senior rates and financial aid. The Y isn’t just a gym. It’s a second home. It’s ‘ohana. Join today!
Many seniors first step into the Y because their doctor says they need to keep moving. Others stop in for a visit because their health plan includes a free membership. Some are nudged to give “the Y” a try by family members who want them to get out and stay engaged. But what happens next…
This year, the Hawaii United Okinawa Association (HUOA) proudly celebrates the 125th anniversary of Okinawan immigration to Hawai‘i — a milestone that not only marks our history, but also acknowledges the resilience, achievements and cultural legacy of our ancestors. Since the arrival of the first 26 Okinawan immigrants in 1900, the community has grown into a vibrant and integral part of Hawai‘i’s diverse landscape. Through perseverance, hard work and an unbreakable spirit, generations of Uchinanchu have contributed to Hawai‘i’s society while preserving and sharing Okinawan culture. “Uchinanchu” is the term used by Okinawan immigrants and their descendants in Hawai‘i to identify themselves as an ethnic group distinct from the Yamatunchu of Japan’s four main islands. Okinawa is the southernmost and westernmost prefecture.
Hawai‘i’s issei (first-generation immigrants) faced immense hardship, from discrimination to backbreaking labor on the plantations. Yet, they held fast to their identity, building families, businesses and communities that have thrived for over a century. Today, their legacy is evident in the Okinawan clubs, the annual Okinawan Festival and the cultural institutions that continue to educate and inspire new generations. The preservation of our language, music, dance and values speaks to the dedication of those who came before us and the commitment of those who carry the torch forward.
Leading this year’s milestone celebration is HUOA President Frances Nakachi Kuba, whose theme, Miree Ya Kugani – Bright Hopeful Future, encourages us to honor our past while looking ahead with optimism. Under her leadership, HUOA continues to cultivate cultural programs, strengthen community connections and inspire the next generation of Okinawan leaders. Her vision recognizes that while we celebrate our heritage, we must also ensure its growth and relevance for future generations.
As we reflect on this historic anniversary, we recognize that our community’s success is built upon the sacrifices and dreams of our ancestors. We honor them by continuing their work — preserving our culture, uplifting our people and embracing new opportunities. The journey of the Okinawan community in Hawai‘i is one of resilience and unity, and with Miree Ya Kugani as our guiding light, we look forward to a future as bright and hopeful as the one our ancestors envisioned. Ippee nifee deebiru — thank you to all who have contributed to this remarkable legacy.
The celebration of 125 years of Okinawan immigration to Hawai‘i and emigration to the world is not a single event, but a yearlong series of commemorative activities and festivities. Each milestone and program reflects the legacy and enduring contributions of the Okinawan community in Hawai‘i. There will be many opportunities to celebrate this milestone year, and more information can be found at huoa.org/events.
This year, the Hawaii United Okinawa Association (HUOA) proudly celebrates the 125th anniversary of Okinawan immigration to Hawai‘i — a milestone that not only marks our history, but also acknowledges the resilience, achievements and cultural legacy of our ancestors. Since the arrival of the first 26 Okinawan immigrants in 1900, the community has grown into…
Bonsai (tray planting) is a Japanese art form that originated from the Chinese practice of “penjing” from the 6th century. Eventually it was redeveloped under the Japanese Zen Buddhism representing peace, harmony and strength.
TOOLS The first things to consider as a beginner creating a bonsai are the basic tools: various types and sizes of shears and clippers for trimming, and an array of copper wire thicknesses.
SELECTING A PLANT Next is selecting a plant. For beginners, I suggest starting with a jade plant. They are durable and easy to work with. There are different types to choose from and they come in different forms. I usually let the plant dictate the style. Here, I found a plant that had potential because it overgrew its container. I saw how I could continue to direct that. So, I decided to create a cascade-style bonsai.
SHAPING Shaping the plant as envisioned, I use copper wires. Carefully curl them around its branches like a flexible cast to bend and hold them to the desired form. There are various thicknesses of wires depending on the thickness of each branch. During the next several months as the plant grows, methodically start pruning and shaping it, a little at a time, to the look you desire.
POTTING When it’s beginning to take the shape of what you’ve envisioned, it’s time to select the pot that best enhances the style that you’ve chosen. Here, I chose a tall, narrow ceramic pot about 8 inches in height. I had to be sure it was tall enough for my cascading branches, and that it also complements the pot’s shape.
TRIMMING Again, I am constantly reshaping the plant to blend with the pot. This is my jade plant after six months. As the plant continues to grow, you, too, must grow with it. Accept the natural changes the plant would offer. Sometimes a little bud might catch your attention and offers you another perspective. So trimming, shaping and maintaining the plant’s health is essential as it grows — as well as keeping an open mind.
ENJOY Bonsai is an art form. It requires patience — after all, plants have their own natural time for growth — and vision, and heart. Creating a bonsai is a meditative process; a constant dance with nature. It really is not about control, rather, it’s about surrender. I find it relaxing and creative, producing these miniature forms. I hope you all find the same pleasure in bonsai as I do.
Bonsai (tray planting) is a Japanese art form that originated from the Chinese practice of “penjing” from the 6th century. Eventually it was redeveloped under the Japanese Zen Buddhism representing peace, harmony and strength. TOOLSThe first things to consider as a beginner creating a bonsai are the basic tools: various types and sizes of shears…
Mochi was a rare treat when I was growing up, so I ate my fill of it at family gatherings on New Year’s Day: delicious homemade zenzai, nantu (Okinawan mochi), mochi filled with sweet bean paste and my favorite — soft, pillowy chi chi dango. This is my mother’s version.
Ingredients
16 oz. box of mochiko (sweet glutinous rice flour) 2-2/3 cups water 1/2 c evaporated milk 1/2 c water 2-1/2 cups sugar (or more) to taste kinako (roasted soybean flour) or potato starch for dusting
Directions
Combine mochiko and 2-2/3 cups water in a large bowl and steam 45 minutes to 1 hour until solid but still sticky.
While the mochi is steaming, combine evaporated milk, 1/2 cup water and sugar in a small pot (add another 1/4 cup sugar if you like it sweeter). Bring to a boil. If you want colored mochi, stir in a few drops of food coloring.
Add liquid gradually to bowl with steamed mochiko and stir.
Butter a 9-by-13-inch glass pan and pour the mixture into it. Let it cool and set. Butter a plastic knife and cut the chi chi dango.
Cut the 13-inch length of the pan in fourths and then cut rows approximately an inch wide. Dust pieces with kinako or potato starch; brush off excess.
Prep time: about 1-1/2 hours
Yield: 52 pieces, about 1-by-2-1/4 inches.
Do you have a favorite recipe and story to share? For consideration in the next issue, include a photo and mail them to Generations Recipe, PO Box 4213, Honolulu, HI 96812, or email them to Cynthia@generations808.com.
RECIPE NOTE: The Hawai‘i Book of Rice, Volume 2 by Cheryl Chee Tsutsumi features 101 rice recipes, including this one. The book is available for $22.95 at bookshawaii.net (free shipping on all Hawai‘i orders), Barnes & Noble, Walmart and other retail outlets statewide.
Mochi was a rare treat when I was growing up, so I ate my fill of it at family gatherings on New Year’s Day: delicious homemade zenzai, nantu (Okinawan mochi), mochi filled with sweet bean paste and my favorite — soft, pillowy chi chi dango. This is my mother’s version. Ingredients 16 oz. box of…
