Category: Articles

  • ‘Let’s Play Ball!’

    You hear it all the time: To stay healthy, we need to stay active. Yet as we get older, it can be difficult to find the energy and motivation to get out and exercise.

    Makua Ali‘i, O‘ahu’s premier senior softball league, provides mature athletes an opportunity to stay active and social. The “slow-pitch” softball league is the perfect activity for those who miss the camaraderie and competition of their little league days.

    The league is comprised of 18 teams and is open to players aged 60 and over. Each week, games are held at the Patsy T. Mink Central Oahu Regional Park (CORP) in Waipio. Game results published most Thursdays in the Honolulu Star-Advertiser. There is also a league exclusively for those 70 and over that plays on Friday mornings at Ala Wai Community Park. Even for those who are no longer able to participate in team sports, attending and watching the games is a great motivator to get out of the house and meet those who share interests and passions. After the game is the perfect time to talk story!

    Francis Lum, an 80-year-old member of Waipio Makules, has been playing with the league since 1997 — 20 years and counting! Even after kneereplacement surgery, he’s still going strong and coming out each week.

    Francis Lum (left) and Danny Fujimoto (right) before their Monday game.

    “I play Monday, Wednesday, Friday, then I come out practice Tuesday,” said Francis, “so that’s four days a week.”

    It’s an exciting sport comprised of amazing people and a refreshing sense of community. Hearing everyone laughing, shouting encouragement and cracking jokes would make anyone passing by want
    to join in the fun!

    New players join the teams each season. When asked how experienced the newcomers usually are, Francis said, “It’s always different. Some people like myself — I came in and I didn’t have any experience.” For these players, it’s all about being with friends and having a good time. Of course, everyone gets older each year, so it’s good to see new faces. Francis’ advice to any one of the newbies planning on joining is “make sure you stretch good before you play. That’s the main thing.”

    Sports aren’t only for the young guys. Knowledge and experience are just as important as raw strength and speed, and many of these players have more than just a few years of softball under their belts. The true test of their abilities comes during the state tournament held every year, when participating teams from O‘ahu and the outer islands compete for the championship in one of eight divisions.

    Makua Ali‘i is the perfect opportunity for seniors to get much-needed fresh air and exercise in a social setting, while engaging in some fun and friendly competition.

    Contact the Makua Ali‘i league to find out more about how you can join and play ball!

     


    O‘AHU SENIOR SOFTBALL
    808-637-5993 | www.oahuseniorsoftball.org

    You hear it all the time: To stay healthy, we need to stay active. Yet as we get older, it can be difficult to find the energy and motivation to get out and exercise. Makua Ali‘i, O‘ahu’s premier senior softball league, provides mature athletes an opportunity to stay active and social. The “slow-pitch” softball league…

  • Senior Dentistry: Concerns and Solutions

    According Harvard Medical School, the need for dentures in later life used to be a foregone conclusion. But today, three-quarters of the over-65 population retain at least some of their teeth. Although older people still suffer higher rates of gum disease, dental decay and tooth loss, they can still do a lot to keep their mouth looking and feeling younger than its years.

    Q: What are some areas of concern regarding seniors’ dental care?

    The main concerns for seniors as they age are maintaining their remaining teeth and minimizing further damage and loss. Receding gums can also be a big concern.
    In addition, insurance coverage may be minimal or nonexistent once a senior retires.

    Q: What are my options for a missing tooth?

    There are generally three options available when a person loses one or more teeth.

    1. Recommended is an implant — a standalone option that doesn’t require the presence of any of the other teeth for support. Though keep in mind:
    – implanting requires a surgical phase
    – multiple implants may need to support a bridge or denture
    – they can’t be used in every case
    – implants are generally more expensive

    2. A fixed/cemented bridge, which is basically two crowns(minimum) that act as anchors to support the missing tooth.

    Generally, teeth are needed on both sides of the space created by the missing teeth. In rare cases, the problem can be resolved with a fixed bridge with one anchor — but only if there is just one tooth missing, and the supporting teeth(anchors) must be in good health with adequate bone support, otherwise, the bridge could fail in the future, which could necessitate the need for dentures.

    3. Dentures, of which there are generally two types: A partial denture will replace some missing teeth, supported by remaining teeth. A complete or full denture is used when the teeth on one arch or both arches are missing.

    Both the partial and full dentures are removable prostheses or both can be implant-supported.

    They are the least costly of all the options unless they involve implants.

    What can seniors do to retain healthy teeth?

    Visit your dentist regularly — every six months as a minimum.

    Some insurance companies will allow for more than two teeth cleanings a year if you have diabetes (you would need to check with your respective insurance company on this).

    If you are having trouble holding the floss or toothbrush because of arthritis or diminished manual dexterity, use dental floss holders or floss picks. I recommend Cocofloss, which is especially good for those who have spaces between their teeth that constantly trap food.

    In addition, seniors can use an electric toothbrush with a large handle, which makes it easier to grip.

    A water flosser, such as a Waterpik, is also a great device that seniors can use if the task becomes too difficult.

    Mouth washes can be helpful as long as there is no alcohol in them, but they shouldn’t be used as an alternative to flossing and brushing.

    Remember, seniors’, teeth and gums need extra care and attention if they want them to stay healthy in their later years.

     


    LANCE TERAMOTO, DDS, INC.
    4747 Kilauea Ave., Ste. 101, Honolulu HI 96816
    808-725-2135 | www.smilesofaloha.com/

    According Harvard Medical School, the need for dentures in later life used to be a foregone conclusion. But today, three-quarters of the over-65 population retain at least some of their teeth. Although older people still suffer higher rates of gum disease, dental decay and tooth loss, they can still do a lot to keep their…

  • Manage Diabetes with Aquatic Therapy

    Diabetes affects people in different ways, but those with type 2 diabetes frequently suffer from heart disease, high blood pressure and nervous system damage, including impaired sensation or pain in the hands and feet. Physical activity and keeping a healthy weight can help to manage the disease and prevent diabetic problems. Although walking may be the most convenient mode of exercise, those with weight issues, peripheral neuropathy or severe weakness or pain may find weight-bearing activities difficult. However, water provides a low-impact, safe environment ideal for type 2 diabetics.

    The virtual weightlessness of being in water reduces stress on joints, bones and muscles. Water resistance provides the strength training needed to decrease blood sugar levels. Aquatic exercise burns calories more efficiently. A 30-minute walk on land burns 135 calories compared to 264 calories walking in water.

    Benefits also include less soreness, increased circulation and improved balance and flexibility.

    Don’t let diabetes drag you down. A safety-conscious aquatic-based therapy program can help keep you afloat by increasing energy, and improving physical and psychological well-being.

     


    MOON PHYSICAL THERAPY, LLC
    320 Ward Ave., Ste. 107, Honolulu HI 96814
    Aquatic, Land-based and Manual Therapy and
    Cardiopulmonary Rehab Programs
    808-597-1005 | www.moonpt.com
    Like me on Facebook: Moon Physical Therapy, LLC

    Diabetes affects people in different ways, but those with type 2 diabetes frequently suffer from heart disease, high blood pressure and nervous system damage, including impaired sensation or pain in the hands and feet. Physical activity and keeping a healthy weight can help to manage the disease and prevent diabetic problems. Although walking may be…

  • Acupuncture, Chinese Medicine & Kidneys

    Our kidneys make up an important system in our bodies. They are responsible for many vital functions, such as removing wastes from our blood, controlling blood pressure and keeping our bones strong, for example. Such an important organ system deserves our best care and effort so we can keep it functioning well for our entire lives. Unfortunately, however, over 31 million people — nearly 10 percent of the population of the United States — are estimated to suffer from kidney disease and the number is increasing. Risk factors include being over 60 years old and having diabetes, high cholesterol and heart disease. The current treatments for chronic kidney disease (CKD) and kidney failure consist of medications to control symptoms, dialysis, and in some cases, surgery or transplantation. While these procedures can save and prolong lives, they are invasive and can cause severe side effects.

    There are other options. One of the most helpful, effective and perhaps most unknown in America today is acupuncture and Chinese medicine. This 5,000-year-old medical science from ancient China has a long historical record of treatment of many different organ system diseases and a vast array of problems in the body. Within this system of healthcare, acupuncture treatment can be very effective in improving circulation and blood flow into areas of the body where there may be blockages or restrictions caused by kidney disease.

    Chinese medicine uses thousands of herbs that can be specially combined to strengthen and assist the kidneys. It can also promote and support our vital organs and functions in the body by increasing oxygen and nutrient content in the blood to support the body’s intrinsic self-regulation and healing mechanisms. When used in combination with correct nutrition and conventional care, these methods can often significantly improve the functioning of the kidneys. From a Chinese medicine perspective, many cases of kidney disease and failures are treatable.

    The healing power of our bodies is amazing.

     


    LUNA ACUPUNCTURE & WELLNESS LLC
    503-853-2866 | James@LunaAcupunctureWellness.com
    www.LunaAcupunctureWellness.com

    Our kidneys make up an important system in our bodies. They are responsible for many vital functions, such as removing wastes from our blood, controlling blood pressure and keeping our bones strong, for example. Such an important organ system deserves our best care and effort so we can keep it functioning well for our entire…

  • Walk With a Doc on O’ahu

    L–R: UHA Director Howard Lee (WWAD O‘ahu sponsor), Vic Harris, Dr. Theresa Wee, Lori Wallace and Dr. Craig Kadooka.
    Walking is low-impact and has the lowest dropout rate of any physical activity. In fact, walking as little as 30 minutes a day can have tremendous health benefits, such lower blood pressure and blood sugar levels, improved mood, reduced coronary heart disease and much more.

    Founded in February 2016, the Walk with a Doc (WWAD) on O’ahu program includes many ku¯ puna, along with family and friends of all ages. This collaborative effort between Dr. Theresa Wee and the UHA Health Insurance Company is a great example of how individuals and groups can work together to promote health in the community. This walk is free and open to all ages and fitness levels.

    The walk begins with a health tip by Dr. Wee or another qualified health professional, then a five-minute warmup. Each individual in the group walks at his or her own pace for 50 minutes, followed by a cooldown with fruit refreshments donated by Stay Fit Physical Therapy. Perhaps the greatest benefit of all is the support and motivation contributed by each participant. They share stories of successes, struggles, and create an instant bond and camaraderie.

    Walking is truly the miracle drug, especially for our ku¯ puna. Come out any Saturday at 8am at Central Oahu Regional Park (meet near the tennis courts) for exercise, fun and fellowship.

     


    WALK WITH A DOC
    808-677-9988 (Dr. Wee) | www.walkwithadoc.org

    Walking is low-impact and has the lowest dropout rate of any physical activity. In fact, walking as little as 30 minutes a day can have tremendous health benefits, such lower blood pressure and blood sugar levels, improved mood, reduced coronary heart disease and much more. Founded in February 2016, the Walk with a Doc (WWAD)…

  • Caring for Ku¯puna with Chronic Disease

    In 2014, the Hawai‘i Department of Health, Chronic Disease and Health Promotion Division reported that 82 percent of the state’s adults have at least one of the following chronic diseases or conditions: heart disease, heart attack, stroke, diabetes, asthma, disability, cancer, chronic obstructive pulmonary disease and obesity. In addition, kidney disease can lead to loss of kidney function and become a chronic disease, which is on the rise in America.

    Chronic kidney disease (CKD), is a condition that causes a gradual loss of kidney function over time. The loss of kidney function can also cause wastes and fluids to build up in the body, and lead to other health issues. People with untreated kidney disease have higher risks for developing complications like anemia, bone disease, heart disease, high potassium and other fluid buildup.

    “For many people, kidney damage may be temporary and occur quickly due to changes in kidney function from illness, injury or taking medications,” said Marissa Ramos, a Honolulu home healthcare nurse. “If not treated properly, kidney damage can become a chronic condition, often without one knowing — especially if it is related to other underlying conditions, such as diabetes or high blood pressure. Regular health screenings and tests are key in detecting risks for kidney disease. We see and often care for clients with multiple health issues, such as diabetes, uncontrolled high blood pressure or congestive heart failure. We focus on early detection, education and proper care, which can slow the progression of kidney disease and help avoid kidney failure.”

    Licensed home healthcare is becoming increasingly more important for seniors needing medical services for CKD. Home healthcare agencies accredited by The Joint Commission that adhere to high standards of care can provide a clinical team that supports medical services treating CKD in the home. Home healthcare nurses and caregivers can work one-on-one with clients to better manage their medical care, medications, renal dialysis and nutritional decisions, and monitor for any healthrelated changes before they become problematic.

    Experienced and accredited home healthcare agencies are able to deliver high-quality care and offer critical assessments for seniors diagnosed with multiple diseases and CKD.

    “We work closely with family members — usually adult children taking on the role of primary caregiver for their loved ones living with chronic diseases,” said Janet Grace, a home healthcare sales and marketing director. “Our clinical teams develop a personalized, safe and cost-effective care plan that goes a long way in reducing risks for complications and emergency room visits. With CKD, skilled nurses focus on providing ongoing education for families regarding kidneyfriendly best practices and preventative steps to slow the progression of the disease. Working closely with our seniors and healthcare professionals is critical to evidencing better treatment outcomes and a higher quality of life for those living with chronic kidney disease.”

     


    ATTENTION PLUS CARE
    Accredited by The Joint Commission
    1580 Makaloa St., Ste. 1060, Honolulu HI 96814
    808-739-2811 | www.attentionplus.com
    AGING IN HAWAII EDUCATIONAL OUTREACH PROGRAM
    by Attention Plus Care – a program to provide resources for
    seniors and their families, instructed by a registered nurse,
    who covers a different aging process each month.
    For class information on kidney disease and upcoming
    topics, call 808-440-9356.

    In 2014, the Hawai‘i Department of Health, Chronic Disease and Health Promotion Division reported that 82 percent of the state’s adults have at least one of the following chronic diseases or conditions: heart disease, heart attack, stroke, diabetes, asthma, disability, cancer, chronic obstructive pulmonary disease and obesity. In addition, kidney disease can lead to loss…

  • A Lesson in Patience and Gratitude

    My mother had always been a healthy, determined and spirited woman who was guided by her faith. With a high degree of humor and a strong work ethic, my mother, Tokiko Suda, along with my father, Sakae, raised four children and operated several restaurants in Honolulu. She had always been a source of inspiration and strength for me as I saw her and my father work six days a week, 14 to 16 hours a day for over 25 years.

    And so it was with great heartache and sadness that my mother began to demonstrate symptoms of dementia at age 97. She had become paranoid, despondent and forgetful, and had lost interest in the activities and routines of the day that were once of great importance to her. Her spirit was waning. Our pillar of strength was weakening.

    Tokiko Suda (center) with sons Barry and Brian.
    I, my wife, Pamela, and my siblings were well aware of the indicators that manifested in people with dementia. My father had suffered from Alzheimer’s disease approximately 20 years prior and my mother had very similar symptoms.

    As the dementia advanced, my mother needed more assistance with eating, bathing, getting dressed, going to the bathroom and other daily living activities. What were once basic, everyday tasks became an undertaking that required a significant amount of time, strength and stamina from both my mother and me.

    Just as important as providing help with these daily tasks is the ability to be patient and compassionate with those suffering from dementia. I think most people, like myself, have some level of compassion and sympathy for their ailing loved ones. But it was patience that I had lacked…

    Due to my mother’s advanced age, osteoporosis and dementia, she wasn’t able to do simple daily living activities as quickly and efficiently as she was once able to. I was aware of what she was and wasn’t capable of doing for herself, but there were times when it would slip my mind and I would become impatient with her. I would raise my voice and ask her to hurry when she had to be dropped off at the adult day health program that she attended.

    But even with my impatience and frustration apparent in my tone, my mother never expressed dissatisfaction with my behavior. She would always say that she was thankful for what her family was doing for her and acknowledged that she was very fortunate. She would then laugh at her inability to do some things that were once second nature to her.

    My mother’s gratitude and sense of humor during these trying moments showed me that she was managing her situation the best way possible. I would come to understand that she had been demonstrating her patience with my shortcomings by quietly reminding me that she was thankful and appreciated each day with us.

    Her great attitude gave me the ability to be a little more patient with all matters and served as a reminder of how humor is good for your well being. We will all get older one day and we may not be as independent as we once were. When that time comes, I will strive to remember to appreciate the patience of others.

    My mother had always been a healthy, determined and spirited woman who was guided by her faith. With a high degree of humor and a strong work ethic, my mother, Tokiko Suda, along with my father, Sakae, raised four children and operated several restaurants in Honolulu. She had always been a source of inspiration and…

  • Estate Planning From the Inside Out

    I’ve noticed that many people approach estate planning from the outside in, rather from the insideout. For example, many people want to “avoid probate” or “minimize tax” as a primary goal — good goals, for sure. If we stop there, we miss the opportunity to explore the deeper meaning underlying these goals, such as ensuring that we provide our loved ones as much as we can with assets to supplement their lives, and provide each of them the opportunity to grow, and develop and enjoy the most meaningful life possible.

    Take the family home, for example. Often, people want to make sure that their children “get the house equally.” Without exploring underlying values and prioritizing concerns, we may not get to the deeper meaning such as: that they love their children equally; that they want to ensure that each of their children has a place to live; and that they want their children to get along and support each other. In prioritizing these concerns, they find that their children getting along with each other is the most important hope or goal of all.

    Understanding this, the attorney can add provisions to ensure that the children don’t fight over the family home.

    When we take the time to explore our values with the guidance of a skilled estate planner, we can mirror and reflect our deepest values, and can gain true peace of mind to know that our intentions will be clearly spoken — when we can no longer speak.

     


    STEPHEN B. YIM, ATTORNEY AT LAW
    2054 S. Beretania St., Honolulu HI 96826
    808-524-0251 | stephenyimestateplanning.com

    I’ve noticed that many people approach estate planning from the outside in, rather from the insideout. For example, many people want to “avoid probate” or “minimize tax” as a primary goal — good goals, for sure. If we stop there, we miss the opportunity to explore the deeper meaning underlying these goals, such as ensuring…

  • My Elder Abuse Teacher

    It wasn’t the mainland trainings or the thousands of cases I have handled that have given me the greatest insights into elder abuse. No. The best “teacher” I have had regarding dealing with the complexity and emotional stress of dealing with these crimes has been through helping my mother-in-law over the years. “Mary” (not her real name because my wife would be upset if I used it) is a sweet, trusting lady who seems to have a bright neon target on her forehead inviting scam artists to try and take advantage of her. After each encounter or near miss with a fraudster, I gained a deeper understanding of elder abuse.

    One lesson my mother-in-law taught me was to beware of “friendly strangers.” There have been multiple instances of strangers approaching Mary inside a big-box store, following her out to her car, trying to engage her in small talk and asking if they could help her. Fortunately, Mary can’t tolerate dialogue that is not related to stopping land development or fluoridation of our drinking water. Her impatience to inane small talk and her stubbornness in accepting help from anyone has saved her and our family untold hardships by closing the door on potential encounters that could have developed into exploitation. If more seniors turned off the aloha (sometimes, being downright rude) to suspiciously friendly strangers, the many crimes I have prosecuted would never have happened.

    The scam artists who have successfully taken advantage of my mother-in-law, however, have not been strangers who have approached her, but swindlers she unknowingly invited into her life.

    Upon retiring from her job, Mary wanted to use her time to help family and friends. Unfortunately, this was around the same time people were talking about Y2K — the year was going to change from 1999 to 2000. Some thought the event was going to send civilization back into the Stone Age.

    Mary met people who were “planning” for this much-talked-about apocalypse and were concerned enough about her to sell her end-of-theworld- proof supplies and advise her to cash in annuities and sell stocks. With the anxiety many people felt about this event supported by media hype, cons flourished. Countless people like Mary who were concerned about the safety and wellbeing of their loved-ones spent a lot of money preparing for a calamity that never happened.

    What this taught me early on was that there are people who will use existing fears or create uneasiness themselves in order to cause people to make emotional decisions with their money. Similar to going into a car lot without doing research on the make and model you want, you allow the salesman the ability to ply you with emotional imagery of you behind a wheel of a vehicle not necessarily suited to your needs or budget. Spending money based on emotion rarely turn out well.

    In the next issue, I will review my mother-inlaw’s encounters with a convicted felon, a disbarred lawyer and a group being watched by none other than the FBI.

     


    To report suspected elder abuse, contact the Elder Abuse
    Unit at 808-768-7536 | ElderAbuse@honolulu.gov

    It wasn’t the mainland trainings or the thousands of cases I have handled that have given me the greatest insights into elder abuse. No. The best “teacher” I have had regarding dealing with the complexity and emotional stress of dealing with these crimes has been through helping my mother-in-law over the years. “Mary” (not her…

  • What Does It Mean to Be a Trustee?

    A trustee is what the law calls a fiduciary. A fiduciary is a person who is responsible for taking care of something that belongs to someone else. Under the law, fiduciaries owe legally enforceable duties to the beneficiaries — the people or charities on whose behalf they handle assets.

    A trust is a legal relationship that results when a person (often called a trustmaker, a settlor or a grantor) makes an agreement with a trustee to handle assets for the benefit of one or more beneficiaries. The agreement is normally set out in a written document — the trust instrument or the trust agreement. The first and foremost duty of any trustee is to read, understand and faithfully follow the exact terms of the trust instrument.

    Once the trust agreement is made, the trustmaker transfers property to the trustee. The trustee actually becomes the legal owner of the property. However, the “real” owners of the property are the beneficiaries, who are said to be the equitable or beneficial owners; they are the ones who are supposed to benefit from the property.

    A trust can have more than one trustee at a time. Each co-trustee must decide for himself or herself how best to carry out his or her fiduciary duties. Beware that a co-trustee can be held responsible for another co-trustee’s breach of a fiduciary duty. Thus, it is important that all cotrustees pay close attention to everything that is done in the administration of the trust. Any question or problem should be communicated to the other co-trustee or co-trustees immediately. Generally, when there are two co-trustees, both must agree on all matters of trust administration. When there are three or more co-trustees, the majority rules.

    In order to minimize the chances of being held responsible for someone else’s poor judgment or breach of duty, a cotrustee should be sure to make a written record of any points of disagreement about trust business. In extreme cases, a co-trustee may be required to blow the whistle on other co-trustees’ activities.

    If you ever have questions about what to do as trustee, you should seek appropriate advice immediately. You should not hesitate to consult your lawyer, your CPA or other advisors.

    The fact that you have been named as a successor trustee in someone’s trust instrument does not obligate you to accept that position. You must consider your decision to accept the job of trustee very carefully.

    Once you accept the position, you accept all that goes with it. It is a position of great honor that involves great responsibility.

     


    SCOTT MAKUAKANE, Counselor at Law
    Focusing exclusively on estate planning and trust law.
    www.est8planning.com
    O‘ahu: 808-587-8227 | maku@est8planning.com

    A trustee is what the law calls a fiduciary. A fiduciary is a person who is responsible for taking care of something that belongs to someone else. Under the law, fiduciaries owe legally enforceable duties to the beneficiaries — the people or charities on whose behalf they handle assets. A trust is a legal relationship…

  • New Service Provides Free Legal Assistance

    When it comes to legal matters, there’s a whole set of terminology that may leave your head spinning. Picking apart the legalese may prove such a daunting task that we may even put off tending to important matters, which can be risky.

    With so many details to take into consideration, it’s only natural to have questions. When it comes to Medicare, social security and veterans’ benefits; resident and patient rights; or income, estate and gift taxes; consultation with a qualified attorney, particularly an elder law specialist, may be advisable or even necessary.

    The legal guidance that an attorney can provide helps ensure that you get the most out of your benefits and that your financial affairs continue to go smoothly in future years.

    However, this type of legal advice can be expensive. The cost of the answers may exceed what you can realistically cover.

    Accommodating for Free Legal Help

    In cases like these, it’s important to know that relief is in sight. The Hawaii Online Pro Bono (HOP) is a nonprofit, web-based legal service hosted by the American Bar Association. HOP is an online version of a walk-in legal advice clinic where clients request advice and counsel about a specific legal issue from a volunteer attorney. The service is available to low- to moderate- income families and can be accessed by searching for “Hawaii Online Pro Bono” via web browser.

    You must first answer a few questions that will determine whether or not you qualify: You must be an adult whose income and assets are low for your family size, you can’t already have access to a lawyer, your legal problem cannot be related to a criminal charge and you must not currently be incarcerated.

    If you qualify, you can ask your legal question confidentially through the site. A volunteer attorney will email a response directly to you.

    HOP helps to make legal advice more accessible, but before using this service, it is important to be aware of its limitations. They are laid out in detail in the online user agreement you must read before answering the first qualification question.

    The main limitation — you can ask only three separate questions within a calendar year.

    Questions involving criminal cases or charges cannot be answered through this service.

    The service is meant only to provide answers to your legal questions; the volunteer lawyers cannot call or represent you in any way.

    If further legal action is required for your situation, you will need to pursue your own attorney; however, the website includes a link that leads to contact information for other resources, including the Legal Aid Society of Hawaii, Volunteer Legal Services Hawaii and the American Bar Association’s Lawyer Referral Service for Hawaii.

     



    www.hawaii.freelegalanswers.org

    When it comes to legal matters, there’s a whole set of terminology that may leave your head spinning. Picking apart the legalese may prove such a daunting task that we may even put off tending to important matters, which can be risky. With so many details to take into consideration, it’s only natural to have…

  • Creating a Charitable Giving Strategy

    It’s not too late to align your spending with your priorities. If charitable giving is an important part of your budget, take a step back and reevaluate your giving strategy.

    There are a myriad of causes and organizations you can support, which can leave even the bestintentioned philanthropist confused, frustrated and overwhelmed.

    The following steps can help ensure that your money is being used effectively and efficiently by the organizations you choose to support.

    STEP 1: Clarify your values and preferences.

    Before you reach for your checkbook, ask yourself a few questions. What causes are important to you? Is there a particular demographic or group of people you would like to support? Would you prefer to give to a local, regional, national or global organization? As a donor, what do you hope to see in the organization’s leadership or structure?

    The answers to these questions can help you make a list of charities that will allow you to align your financial resources with your personal values, making your donation even more meaningful.

    STEP 2: Consider each organization’s mission.

    Once you have determined which organizations meet your criteria, research each charity to make sure their programs, mission and goals match your expectations.

    Consider meeting with an executive or local leader to hear about the charity’s strategy and its impact on the community first-hand. During the meeting, ask about the organization’s short- and long-term goals, as well as how it measures success. You want to be sure that the charity is making progress toward achieving its goals.

    STEP 3: Investigate each charitable organization’s financial health.

    Look into how each donation is used and what percentage of the money goes directly to the cause. Fundraising and administrative expenses help the charity do its work; however, you should be cautious about organizations with higher overhead costs. Ask the charity for a copy of its most recent annual report and Internal Revenue Service (IRS) Form 990. These forms outline the charity’s budget allocation and financial plans, and can provide you with insight into how your money is used to make the intended impact.

    If you’d like an objective perspective on a charity’s financial health, fundraising practices, day-to-day efficiency and accountability standards, look at how watchdog groups evaluate the organization.

    BBB Wise Giving Alliance (www.give.org), GuideStar (www.guidestar.org) and Charity Navigator (www.charitynavigator.org) are several national groups that offer unbiased evaluations.

    STEP 4: Make giving part of your plan.

    As you figure out your donation strategy, consider meeting with a financial planner or tax advisor who can help you select the most appropriate donation method for your financial situation. These professionals can also work with you to create a strategy for ongoing contributions or to make giving part of your legacy.

    Keep in mind that there may be legal or tax considerations, depending on the amount and form of your donation (i.e., check, investment donation, etc.).

    By taking the time to thoroughly evaluate charitable organizations, you’ll give yourself the peace of mind that your money is being used wisely, effectively and for the purposes you intended.

     


    MICHAEL W. K. YEE, CFP
    1585 Kapiolani Blvd., Ste. 1100, Honolulu HI 96814
    808-952-1222, ext. 1240 | michael.w.yee@ampf.com

    Michael W. K. Yee, CFP®, CFS®, CLTC, CRPC®, is a Financial Advisor,
    Certified Financial Planner ™ practitioner with Ameriprise Financial Services Inc. in
    Honolulu, Hawai‘i, with Na Ho’okele Financial Advisory Team, a financial advisory
    practice of Ameriprise Financial Services Inc. He offers fee-based financial planning
    and asset management strategies and has been in practice for 29 years.

    Ameriprise Financial, Inc. and its affiliates do not offer tax advice. Consult your tax
    adviser regarding your specific situation.
    Investment advisory products and services are made available through Ameriprise
    Financial Services, Inc., a registered investment adviser.
    Ameriprise Financial Services, Inc. Member FINRA and SIPC.
    © 2017 Ameriprise Financial, Inc. All rights reserved. File #1675019

    It’s not too late to align your spending with your priorities. If charitable giving is an important part of your budget, take a step back and reevaluate your giving strategy. There are a myriad of causes and organizations you can support, which can leave even the bestintentioned philanthropist confused, frustrated and overwhelmed. The following steps…