Category: Articles

  • Helping as a Representative Payee

    If you handle the finances for a Social Security beneficiary or know someone who may need help managing benefits, you may consider applying to become a representative payee.

    A representative payee is someone who receives Social Security or Supplemental Security Income (SSI) payments on behalf of a person not capable of managing the funds on his or her own. A representative payee meets the individual’s basic needs by using the money to provide food, clothing, and shelter for the person and saving any left-over money in an interest-bearing account or as savings bonds for the beneficiary’s future needs.

    As a representative payee, you must:

    • know the person’s needs so you can decide how to meet those needs with the benefits provided.
    • be responsible for letting Social Security know about any changes that may affect the person’s eligibility for benefits or the payment amount.
    • complete a yearly report of how the funds were spent. (You can do this online.)

    To help a friend who receives Social Security or SSI benefits and is not able to manage his or her own finances, help them contact us. Social Security will help determine if a payee is needed and who would be best suited to act in that capacity.

    For more information, read, A Guide For Representative Payees, at www.socialsecurity.gov/pubs and When People Need Help Managing Their Money, at www.socialsecurity.gov/payee.

    Thank you to all caregivers and represntative payees helping people in need.

    _________________________________
    Questions, online applications, or to make an appointment to visit a Social Security office, contact:
    1-800-772-1213 (toll free) | 1-800-325-0778 (TTY)
    www.socialsecurity.gov

    If you handle the finances for a Social Security beneficiary or know someone who may need help managing benefits, you may consider applying to become a representative payee. A representative payee is someone who receives Social Security or Supplemental Security Income (SSI) payments on behalf of a person not capable of managing the funds on…

  • Keiko Matsui Higa Recalls Being Local

    1It is said that many people want to write a book, but few do. Keiko Higa did it, and rich memories about growing up in Hawai‘i will inspire you to get started on your own story — even if it’s only for your grandchildren.

    Like so many “locals,” Higa comes from many cultural traditions. Her dad was Japanese, her mother Okinawan and her husband Filipino. Add to that her respect for Hawaiian culture and you have “chop suey” talk story — something for everyone. Woven through family history, descriptions2 of local places and times past, are Higa’s heartfelt concerns — social injustice of the Japanese internment era, low plantation wages and tracking by race when she was in school. Higa was educated at UH Manoa, Claremont School of Theology and UC Berkley, and was a city planner for the City of Las Vegas. Her stories are at once ethereal and mundane. She mixes the salt of her ideas on global oppression and colonization with the pepper of pidgin poetry, ethnic traditions and church potlucks. It is local, candid and engaging. Even if you do not agree with her views, you will understand exactly how she came to them — and respect her courage to put words into action, and follow her deep passion for justice and peace.

    Being Local in Hawai‘i is available online at www.KeikoMatsuiHiga.com and at Amazon:www.tinyurl.com/BeingLocalInHawaii.

    She also does talks for community groups. For information and details call,808-944-0317.

    It is said that many people want to write a book, but few do. Keiko Higa did it, and rich memories about growing up in Hawai‘i will inspire you to get started on your own story — even if it’s only for your grandchildren. Like so many “locals,” Higa comes from many cultural traditions. Her…

  • Sandwich Generation Conversation

    Kirk: We hear a lot about the Sandwich Generation these days.

    Linda: You know me … I love a sandwich.

    Kirk: No, we’re talking about the generation that has to take care of their parents and their children; they’re in the middle.

    Linda: Baloney!

    Kirk: Not! Not that kind of sandwich. More than ever, there are three generations in one household. Sandwiches are stacking up.

    Linda: But a sandwich needs condiments — mayonnaise, lettuce, mustard.

    Kirk: Exactly. That’s where resources come in — resources that can help the sandwich generation cope. Generations Magazine includes a lot of assistance that way.

    Linda: So instead of a club sandwich, it’s a… sandwich club!

    Kirk: And the club is growing. One in eight Americans are in the sandwich generation and the number is likely higher here in Hawai‘i. The important thing to remember is you are not alone.

    Linda: What happens if there’s a “next” generation added? Do you want small fries with that?

    Kirk: Good question. It helps to think of that ahead of time. By the way, if you were a sandwich, what kind would you be?

    Linda: I would be a sweet honey on nut bread.

    Kirk: I’d go along with that. What kind would I be?

    Linda: You would be a ham on wry!


    Retired broadcast personalities and Journalists Kirk Matthews and Linda Coble speak from the heart on issues concerning boomers and seniors. Post comments for them on Generations808.com.

    Kirk: We hear a lot about the Sandwich Generation these days. Linda: You know me … I love a sandwich. Kirk: No, we’re talking about the generation that has to take care of their parents and their children; they’re in the middle. Linda: Baloney! Kirk: Not! Not that kind of sandwich. More than ever, there…

  • Metal-Free Biocompatible Restorations

    Conservative Restoration

    Dental toxicity can occur when materials placed in a patient’s mouth cause that person’s immune system to react and “reject” the restoration. Serum compatibility testing provides dentists with one way to help determine which materials will react in a test tube with a patient’s serum proteins. Today’s dental patients have the opportunity to select:

    • Highly aesthetic, tooth-colored fillings — created and placed during a single dental appointment, with no temporary crown.
    • Metal-free, bio-compatible materials for restorations that will not cause an allergic reaction with the body.
    CEREC Restoration
    CEREC Restoration

    The CEREC procedure was developed at Zurich University 25 years ago. The CEREC system uses restorative material and the conservative removal of dental enamel to restore the diseased tooth.

    In the past crowns were made for teeth requiring removal of a lot of tooth structure. With the new materials, the dentist can preserve precious tooth enamel and effectively restore the tooth. Enamel is the only tissue in the body that once removed, will not regenerate.


    Hawaii Center for Cosmetic & Laser Dentistry
    808-526-0670 | www.smilepower.net

    Dental toxicity can occur when materials placed in a patient’s mouth cause that person’s immune system to react and “reject” the restoration. Serum compatibility testing provides dentists with one way to help determine which materials will react in a test tube with a patient’s serum proteins. Today’s dental patients have the opportunity to select: Highly…

  • Paying for Long-Term Care

    According to an article published in the Wall Street Journal on May 14, 2012, if you are married and you and your spouse both reach the age of 65, there is a 70 percent probability that one of you is going to need long-term care. As if that is not troubling enough, a great many of us are completely unprepared to pay the cost of long-term care. Skilled nursing in Hawai‘I can easily top $8,000 per month. How do people handle that?

    For those of us who are not incredibly wealthy, one approach is long-term care insurance. You should talk with an insurance agent who focuses on the complexities of long-term care insurance before you plunk any money down. The older we get, the odds of being insurable decrease, and the premiums get higher. The bottom line is that the sooner you look into long-term care insurance and get your policy in place, the more likely you will be able to afford the premiums.

    An alternative to insurance is Medicaid. It goes by different names in different states (Hawai‘i’s version is called MedQUEST), but it is run jointly by our federal and state governments. The federal government sets the overarching rules and provides funding. States are allowed to adopt their own rules for qualification and enforcement. Think of it as government nursing home care insurance for those with limited financial resources.

    Medicaid is “means-based.” Having too much income or too many assets will disqualify a Medicaid applicant. However, having “assets” is not the same as having the money to pay for care. Those undeveloped lots in Nevada that you own, are assets, but they may be impossible to sell.

    For those with assets exceeding the Medicaid limits, giving assets away may disqualify them from Medicaid assistance too — if the transfers violate the “look-back” period designed to keep people from gaming the system. Of course, a kupuna might have had innocent intentions when making a disqualifying gift — before the need for long-term care arose. Regardless, any gift (even charitable) is a red flag on Medicaid applications.

    Each state takes a different approach; it is easy to run afoul of the rules and be disqualified from benefits. The good news is that knowing the rules can help you plan for a worst-case scenario where you or a loved one might need assistance with long-term care costs.

    Another critical consideration is that Medicaid may limit your options for care facilities or quality of care. So we should not all assume that Medicaid is the best option for us or our family.

     


    Scott Makuakane, Counselor at Law
    Focusing exclusively on estate planning and trust law.
    Watch Scott’s TV show, Malama Kupuna
    Sundays at 8:30 p.m. on KWHE, Oceanic channel 11
    www.est8planning.com
    O‘ahu: 808-587-8227maku@est8planning.com

    According to an article published in the Wall Street Journal on May 14, 2012, if you are married and you and your spouse both reach the age of 65, there is a 70 percent probability that one of you is going to need long-term care. As if that is not troubling enough, a great many…

  • Calling the Police: It’s Called ‘Tough Love’

    Wanda (not her real name) took out a home equity loan on her Waianae house. She intended to renovate her home so that her adult daughter could move in, care for Wanda and help repay the loan. Once the $290,000 was in their joint checking account, however, her daughter withdrew it and took her family on a first-class trip to Disney World. Wanda has not seen her daughter for two years and is now going through the foreclosure process.

    Steve (not his real name) was the caregiver of his disabled sister and had established a sizable savings account for her care. When Steve’s daughter offered to help care for her aunt, Steve gladly accepted and gave her access to the bank account. After six months of being a caregiver, she withdrew all the money from the bank account (about $120,000) and moved in with her new boyfriend.

    These are just two calls I got recently from victims who wanted to report what happened to them, but did not want the police to get involved. Their voices were full of despair and frustration. Each could not believe what had happened, and despite the fact that they were informed a crime had occurred, did not want the police or the court system to get involved — even if that was the only way to get their money back.

    As a deputy prosecuting attorney in charge of the Elder Abuse Unit, I advocate that all cases of financial abuse be reported to the police, even if the person taking the money is an adult child or another relative of the victim. It is not blind faith in the criminal justice system that leads me to this school of thought. Twenty years of experience has proven to me repeatedly that showing “tough love” and calling the police on a loved one who has stolen money is actually helping that person stop a behavior, like drug usage, which will prove harmful to them in the long run.

    More than once have I had parents call me up years after their child had been arrested to thank me for the work our office and the court system did to help their child get their life back on track. Drugs, alcohol, gambling or mental health issues have ruined the lives of many people and have caused family to victimize family. Oftentimes, those suffering from these afflictions will promise their kupuna they will get help, only to later on steal from them to feed their habit. Police intervention gives these people opportunities to either go to counseling or go to jail. Often they choose to get help and rehabilitation, with good results.

    If you are in a situation where you have been the victim of a crime committed by someone you know, please call the police. There is no shame in reporting a loved one’s destructive actions to someone who can force them into a rehabilitation program or other help they may need. It’s hard to do, but that is why it’s called “tough love.”

     


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

    Wanda (not her real name) took out a home equity loan on her Waianae house. She intended to renovate her home so that her adult daughter could move in, care for Wanda and help repay the loan. Once the $290,000 was in their joint checking account, however, her daughter withdrew it and took her family…

  • Total Knee Rehab and Recovery

    1The knee is the most often replaced joint in the body. Usually, total knee replacement (TKR) surgery is performed when people have knee damage and pain caused by osteoarthritis, rheumatoid arthritis or alignment problems in the leg that make walking or performing daily activities difficult. Successful recovery requires a considerable investment of time and energy in rehabilitation following surgery. A strict timetable of exercise, rest and medication is crucial to heal muscles and tendons. Your physical therapist can speed up your return to normal activity and help make your new knee better than the old one! A rehab program tailored to your specific needs may include land or aquatic range of-motion and muscle-strengthening exercises, activity-specific training, and body awareness with balance training. You may also receive manual therapy and pain modalities to minimize swelling, as well as a custom home exercise program. Prepare for surgery by losing weight. Staying active, even beyond your home exercise program, will help hasten your recovery — but activities should never be done to the point where they cause more pain. Follow your physical therapist’s instructions and take care to protect your new knee and your general health. These are ways you can contribute to the success of your total knee replacement.


    Moon Physical Therapy,
    320 Ward Avenue, Suite 107, Honolulu, HI 9681
    Aquatic, Land-based and Manual Therapy and
    Cardiopulmonary Rehab Programs
    808-597-1005 | Moon Physical Therapy, www.moonpt.com

    The knee is the most often replaced joint in the body. Usually, total knee replacement (TKR) surgery is performed when people have knee damage and pain caused by osteoarthritis, rheumatoid arthritis or alignment problems in the leg that make walking or performing daily activities difficult. Successful recovery requires a considerable investment of time and energy…

  • What’s the Right Life Insurance?

    For most people, it isn’t a question of whether to own life insurance, but what kind of coverage is most appropriate for their circumstances. There is no “one-size-fits-all” policy. You need to determine what works best for you.

    Choosing life insurance involves finding the right balance between the cost of insurance and the most appropriate coverage for y our family.

    Two Basic Life Insurance Options

    Policies that provide a death benefit for survivors after you die, but no other features, for a specified period of time. These are typically referred to as term life insurance.
    Policies that combine a death benefit for survivors with a cash value that can be accessed while you are still living, often referred to as whole-life or permanent life insurance.

    Term insurance — cost effective coverage

    If keeping premiums as low as possible and replacing your income stream for your family are your priorities, term insurance can be a good option. The younger and healthier you are when first purchasing a policy, the less it will cost. Newly married couples may buy this type of policy to provide a financial cushion in the event one spouse dies. Your employer may offer term insurance as part of your employee benefits plan.

    The amount of coverage that seems sufficient early in life may not be enough to protect your family later on when you have dependent children, aging parents to support or when your income rises. Term insurance typically expires after a stated period of time or once you reach a specific age. After the term policy expires, you must reassess your insurance needs.

    Permanent life insurance — coverage beyond death benefits

    You may choose from a variety of permanent life insurance policies, such as traditional whole life, variable life, universal life or variable universal life. Like term policies, they pay designated beneficiaries at your death. Unlike term policies, they do not have a termination date. As long as adequate premiums are paid and the policy remains in force, your beneficiaries will receive the death benefit. Premiums or additional costs are generally higher than term insurance.

    Another important feature of permanent life insurance is that a portion of your premiums accrue within the policy on a tax-free basis; over time, the policy builds a cash value. Some forms of this type of insurance give you the ability to make investment choices within the policy. The cash value is not guaranteed, but it can act as an asset while you are living. This is an important benefit that can give the policy owner much more financial flexibility.

    Like anything else in your financial life, the need to protect your loved ones requires that you carefully assess which available options work best for your circumstances and needs. When insuring your life, be sure to discuss your options with a financial advisor or insurance specialist first, before making any decisions.


    Michael W. K. Yee, CFP
    1585 Kapiolani Blvd., Suite 1100, Honolulu
    808-952-1222 ext. 1240 | michael.w.yee@ampf.com

    Michael W K Yee, CFP®, CFS®, CRPC®, is a Financial Advisor and CERTIFIED FINANCIAL PLANNER practitioner™ with Ameriprise Financial Services, Inc. in Honolulu, HI. He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years.

    Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues.

    Life insurance benefits are subject to the claims paying ability of the issuing insurance company. Ameriprise Financial Services, Inc. Member FINRA and SIPC.

    © 2015 Ameriprise Financial, Inc. All rights reserved. File #1156277

    For most people, it isn’t a question of whether to own life insurance, but what kind of coverage is most appropriate for their circumstances. There is no “one-size-fits-all” policy. You need to determine what works best for you. Choosing life insurance involves finding the right balance between the cost of insurance and the most appropriate…

  • Be Giving While You’re Living

    Kingdom Advisors founder Ron Blue takes an interesting approach to estate planning. He advocates lifetime giving as a way to assure that the objects of your bounty are worthy recipients of your wealth. This could play out a couple of different ways.

    As Blue points out, there are three places your “stuff” can go after you die: to charity, to your loved ones, or to the government, attorneys, and other professional advisors by way of taxes and administration expenses. A good estate plan will minimize the amount that is bled away in the last category. A really good estate plan will help to make sure that your intentions regarding your loved ones and your favorite charities are carried out just as you intend.

    Giving assets outright to your loved ones is a way to give them full control over and responsibility for those assets. However, one of your intended beneficiaries could easily lose his or her inheritance as a result of a divorce, car accident, or bad business deal. Life is unpredictable, and your beneficiaries may have no experience manageing or protecting assets. For this reason, many estate plans include ongoing trusts that allow the beneficiaries to have as much control as they are able to handle, while at the same time insulating the trust assets from creditors and predators who might try to take advantage of your beneficiaries and take those assets away.

    The thing about leaving assets to your loved ones after you are gone is that you will have no idea how each loved one will handle his or her Inheritance. Your best guess during your lifetime could turn out to be wrong. So what about making gifts during your lifetime, so that you can see how your intended beneficiaries handle newfound wealth? Gifts allow beneficiaries to learn how to manage money. Gifting could also be a great way for you to “test drive” your estate plan and determine how well it works while you are still able to make adjustments to it. If one beneficiary turns out to be a poor steward of your wealth, you can always redirect assets in your final estate plan to other beneficiaries, or provide greater restrictions on a spendthrift beneficiary’s control over your hard-earned and carefully invested wealth.

    The same principles apply to charitable gifts. Your favorite charity could turn out to be a poor manager of donated assets. It would be far better to find that out during your lifetime than to leave your loved ones regretting your philanthropic choices, especially if your family name will be memorialized and forever connected with your charitable gift. Knowing what happens now gives you assurance about how things will go later on. If your charity performs well now, you may add to your gift, upon your death. Not only that, but your gift may have far greater impact because you made it earlier. If, for example, you want to provide funding for scholarships so underprivileged children can go to college, the sooner you make your gift, the sooner a scholarship recipient will graduate from college, get launched in a career, and turn around and “pay it forward,” as you have done. Giving now also allows you to join other donors, to create large charitable projects.

    As Ron Blue would say, you should consider “giving while you’re living so you’re knowing where it’s going.” This is simple but sound advice for anyone who prefers to test the water before diving in headfirst.


    Scott Makuakane, Counselor at Law
    Focusing exclusively on estate planning and trust law.

    Watch Scott’s TV show, Malama Kupuna
    Sundays at 8:30 p.m. on KWHE, Oceanic channel 11

    www.est8planning.com
    O‘ahu: 808-587-8227 | maku@est8planning.com

    Kingdom Advisors founder Ron Blue takes an interesting approach to estate planning. He advocates lifetime giving as a way to assure that the objects of your bounty are worthy recipients of your wealth. This could play out a couple of different ways. As Blue points out, there are three places your “stuff” can go after…

  • New Name – Still Great Volunteer Experience

    April is recognized as National Volunteer Appreciation Month. Then May is Older Americans Month and the theme this year is “Get into the Act.” Our SHIP volunteers have been getting into the act through delivering community presentations, providing information at health fairs, counseling individuals on their options and benefits, and assisting beneficiaries with appeals for denied benefits.

    SHIP: New name; still the same

    At this point you’re thinking to yourself, “there is another program in Hawaii called the Sage PLUS Program and they do the exact same thing?” We are one in the same — we have just transitioned and are using our national network name to hopefully make things a bit less confusing (in the 2015 Medicare & You hand book it mentions the SHIP program approximately 20 times).

    Get Into the Act as a SHIP Volunteer

    State Health Insurance Assistance Program volunteers are our most valuable assets. They are the friendly voices that return your calls to our hotline; they provide outreach services on a regular basis at many of our Social Security Offices statewide. To meet the needs of our beneficiaries, volunteers have even provided a health insurance presentation at 6 am in the morning! You may interact with our volunteers at health fairs or in our office, discussing options or counseling on benefits. But there are many others that you may never see, playing very important roles behind the scene to support our programs. These volunteers enter data, put together presentations and health fair packets. They tirelessly and joyfully provide clerical assistance. Customer service specialists look up and gather information for the volunteer who will be assigned to assist you. We also have volunteers who work on special assignments such as Secret/Mystery Shopping, or testing of new materials and other short-term projects. We are now looking for volunteers who are interested in social media and would like to help us keep the online conversation about health insurance going!

    Volunteers must be at least 18 years of age (for some special projects we will at times accept persons below 18, with parental permission) and have an interest in helping their community. We do not accept volunteers who hold an active health insurance license. SHIP is statewide, so tell your friends we are currently looking for volunteers on all islands. Don’t hesitate “Get into the Act” and become a SHIP volunteer!

    To all our current and future SHIP volunteers — Mahalo Nui Loa. To contact us for more information visit our website or love us on Facebook!!!


    Hawaii SHIP (State Health Insurance Assistance Program)
    1-888-875-9229 | 808-586-7299
    help@hawaiiship.org | www.hawaiiship.org
    facebook.com: Hawaii SHIP- Sage PLUS Program

    April is recognized as National Volunteer Appreciation Month. Then May is Older Americans Month and the theme this year is “Get into the Act.” Our SHIP volunteers have been getting into the act through delivering community presentations, providing information at health fairs, counseling individuals on their options and benefits, and assisting beneficiaries with appeals for…

  • Disaster. Red Cross. You. Coralie Matayoshi wants to insure PREPAREDNESS… with the help of volunteers.

    Disaster. Red Cross. You. Coralie Matayoshi wants to insure PREPAREDNESS… with the help of volunteers.

     

    Generations Magazine - Disaster. Red Cross. You. - Image 02
    Red Cross volunteers (l–r): Sai Ching, Ruth Takanishi & Kenneth Aoki

    The face of the Hawaii Red Cross is its CEO, Coralie Chun Matayoshi. Like Red Cross founder, Clara Barton, Coralie can’t do everything by herself. She must inspire and lead thousands of volunteers to deliver humanitarian aid to all of us—whenever disaster strikes.

    Generations Magazine - Disaster. Red Cross. You. - Image 01At the same time that police and fire first responders are called to the scene of a disaster, Red Cross disaster relief volunteers are deployed to assess damage, counsel victims, administer immediate aid and start planning longer-term assistance. Volunteers on Red Cross Disaster Action Teams are on duty 24/7 and average one response every four days. This is humanitarianism at its best: orderly aid, comfort and logistics delivered to disaster victims, behind the scenes. Volunteers are ordinary citizens, just like you and me —with a will to help and skills learned at Red Cross. Most people have no idea how many services Hawaii Red Cross provides to our communities. Veterans and families of active military know Red Cross volunteers who aid service members at Tripler, Schofield, Pearl Harbor and Kaneohe. Some deployed soldiers have even had the Red Cross track them down in the field to deliver news of a family emergency at home — or arrange to get them home for a funeral. Lifeguards and moms may not know about how Red Cross helps our military personnel, but they do know about Red Cross swim instruction classes and certification programs. Business owners send their employees to Red Cross first aid and CPR training. Puna residents affected by Hurricane Iselle received aid. Recently, Red Cross volunteers had a shelter on standby for residents needing to evacuate their homes due to the threat of the Puna lava flow. In fact, at every flash flood, tsunami, earthquake, or house fire across our state, Red Cross volunteers are providing disaster relief to people in need. Every day, they are prepared to scale up and to deliver the amount and kind of aid required — exactly when it is needed. Volunteers from Hawai‘i deploy to other states — Hurricane Sandy in New Jersey, Hurricane Katrina in New Orleans . It’s how they train for large disasters at home. When Hawai‘i gets hit, American Red Cross volunteers from the mainland will deploy here to help us.

    The American Red Cross Mission Statement:

    To prevent and alleviate human suffering in the face of emergencies, by mobilizing the power of volunteers and the generosity of donors.

    Generations Magazine - Disaster. Red Cross. You. - Image 03
    The American Red Cross Mission Statement: To prevent and alleviate human suffering in the face of emergencies, by mobilizing the power of volunteers and the generosity of donors.

    At the head of this volunteer humanitarian organization is a woman with a heart for people. Nearly twelve years ago, Coralie Matayoshi and her husband moved back to Hawai‘i from Washington, DC, where Coralie was engaged in antitrust litigation at the U.S. Department of Justice. “I wanted to raise my children in Hawai‘i, but I never thought I would end up at Red Cross.” She went into a law practice in Honolulu, and served as the Executive Director of the Hawaii State Bar Association for 13 years. Later, in 2004, when the Red Cross CEO position came up, she put all that aside to follow a deep concern for people in need. “… It was their mission that got my attention,” she says, with a smile.

     

     

    A WAY OF BEING

    What drew this highly skilled attorney away from the law? Was it something inside Coralie — a deep yearning that desired a bigger reward than stature and big money?

    At the core of all humanitarian organizations is something called altruism, defined as: “unselfish regard for or devotion to the welfare of others.” Even if you never heard this word before, you may recognize the feeling — a desire to help others that goes beyond family ties and friendships — an inborn will to help anyone in need.” It is the stuff that drives career firefighters, police, EMTs, lifeguards, nurses and ER physicians. It causes strangers to jump into the sea to help a drowning person. Although the law helps people, Coralie saw in Red Cross a direct way to help thousands of people in need and to lead an organization of like-minded humanitarians. At Red Cross, nobody actually talks about this — they all get it. That’s because they are a band of altruistic people.

    Generations Magazine - Disaster. Red Cross. You. - Image 04When Coralie talks about her volunteers, she smiles. She shares their unique motivation and understands how volunteers “designate themselves to the job,” as she says. People who call to inquire or walk in to sign up at Red Cross really want to help people. They are responding to their altruistic feelings, and Coralie says her job is to find them the right job for their skills or to teach them new skills so they can effectively provide humanitarian aid. Some will become case workers. Others will become instructors who teach the public to save themselves in future disasters. We decided to let Coralie tell you first hand what Red Cross does, and to take a look at the many volunteer training opportunities at Red Cross.

    GM: What do you want our readers to know about Red Cross?

    CM: “Most people only know a little of what Red Cross does. Besides having volunteers on call 24/7 to respond to disasters like home fires, we train the public for disaster preparedness. We manage evacuation shelters and provide services such as bulk distribution of first aid supplies, water and food. We provide meal service to those in need during the aftermath of major disasters. These are big operations, and our many volunteers must be trained in advance. We also train the public in first aid and cardiopulmonary resuscitation (CPR). We teach swimming, and certify swimming instructors. Although we are not part of the military, we provide humanitarian aid to military families and patients at military hospitals, like Tripler Army Medical Center. Our volunteers deliver more disaster mental health counseling than any other organization. We are mental health counseling experts.

    Generations Magazine - Disaster. Red Cross. You. - Image 05
    In addition to big disasters throughout Hawaii, on-call Red Cross Disaster Action Teams assist 90 O‘ahu families every year.
    GM: So Red Cross needs a lot of volunteers?

    CM: “Hawai‘i is the most isolated population on the face of the Earth,” says Matayoshi. “My goal is to increase our volunteer base, so we are prepared for epidemics, large storms and tsunami that can strike statewide. We have been fortunate in recent years that tsunami did not hit Hawai‘i directly, but it is just a matter of time. We have many jobs, and volunteers can pick what they feel most motivated to assist in. If they want to learn new skills, we can train them. Many of our volunteers are retired, so their schedules easily accommodate training programs and round-the-clock duty shifts as caseworkers, drivers, damage assessors, team leaders or telephone dispatchers in big disasters. I think it’s important for your readers to know that we do not receive any federal or state funding for disaster operations. We ask for donations from the community — like every other non-profit. We also leverage donor dollars wisely through the work of our dedicated volunteers.

    Generations Magazine - Disaster. Red Cross. You. - Image 06GM: What is involved in managing a disaster shelter?

    CM: During Iselle, 32 evacuation shelters housed 2,041 people in one night. In the aftermath, two hundred Red Cross workers (188 volunteers) provided meals, cots, shower facilities and cell phone charging stations to displaced Puna residents. They distributed comfort kits, cleanup kits, coolers of ice, flashlights, trash bags, tarps and batteries to those in need. Damage to homes was assessed and those who could not return home received help to find alternative housing after the storm. Volunteer nurses did health assessments and trained mental health workers provided crisis counseling for 950 persons during the nine days that shelters were open.

    Generations Magazine - Disaster. Red Cross. You. - Image 07GM: You said “home fires.” How do you aid victims of a home fire?

    CM: Our disaster team recently followed the fire department into a home that had burned to the ground. Red Cross caseworkers are trained to assess damage to help victims communicate with their insurance carrier. They also help arrange temporary housing, food and clothing. Red Cross volunteers are trained to expertly assist victims of disasters to think through the next steps for them and their family, to provide comfort and to connect families to other agencies who can provide long-term aid. After the fire trucks left, the victims were not alone. Red Cross was there.

     

    Generations Magazine - Disaster. Red Cross. You. - Image 08
    The Red Cross offers instructor-led programs for children, adults, businesses and our community organizations. To schedule a class, you may reach them at the number listed at the end of this article.
    GM: We understand that Red Cross manages the volunteer program at Tripler Army Medical Center.

    CM: Red Cross volunteers work in 46 different departments and wards at Tripler. Some are professional volunteer nurses, doctors, pharmacists and office workers. Some even bring their pet “therapy dogs” to visit patients and service members. Red Cross hospital volunteers are bringing comfort and aid to patients and their families every day. Together with volunteers at Schofield, Pearl Harbor, and Kaneohe, Red Cross volunteers donate 35,000 hours per year.

    GM: Is community disaster preparedness a big part of your operation?

    CM: Every year Red Cross teaches 20,000 people courses in first aid, nurse aid, family caregiving, babysitting, water safety, lifeguard and pet first aid training. Now many of these lifesaving tips are available as apps for your smart phone, so that your first aid or CPR facts are a touch away all times.

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    At the core of all humanitarian organizations is something called altruism, defined as: “unselfish regard for or devotion to the welfare of others.”
    GM: Tell us more about Disaster Mental Health Counseling.

    CM: For almost every major disaster in Hawai‘i, Red Cross volunteers have been counseling families who have lost loved ones, helping people deal with trauma, fear, anger and melancholy so they can then move on with their lives. At Pearl Harbor, Hilo tsunami, New Year’s and Manoa floods, Sacred Falls landslide, Ehime Maru, Hawai‘i Island earthquake, Kaloko dam burst — Red Cross was there. Hawaii Red Cross volunteers were in American Samoa, traveling from village to village, helping survivors of the 2009 tsunami. I was deployed to New Orleans in 2005 for Hurricane Katrina. Deploying our volunteers brings back priceless experience and training that one day will help us right here in Hawai‘i.

    BECOMING A RED CROSS VOLUNTEER

    Generations Magazine - Disaster. Red Cross. You. - Image 10Do you have what it takes? This interview gave us a very different view of the American Red Cross in Hawai‘i. The message is pretty clear: we need to prepare for disasters. When trouble hits, trained volunteers have to swing into action to help the victims. If this story speaks to you — you may have the heart of a Red Cross volunteer. Or maybe now you understand the benefits of investing in the future of Red Cross. When we help Red Cross Hawaii meet their mission, we help ourselves and our families.


    To donate or for more information on volunteer opportunities, visit their website or visit their Headquarters in Diamond Head.

    Hawaii Red Cross
    4155 Diamond Head Road, Honolulu
    808-734-2101 | www.redcross.org/hawaii

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    Generations Magazine - Disaster. Red Cross. You. - Image 12

    Generations Magazine - Disaster. Red Cross. You. - Image 13

      The face of the Hawaii Red Cross is its CEO, Coralie Chun Matayoshi. Like Red Cross founder, Clara Barton, Coralie can’t do everything by herself. She must inspire and lead thousands of volunteers to deliver humanitarian aid to all of us—whenever disaster strikes. At the same time that police and fire first responders are…

  • Smile! Rejuvenate Your Life!

    Generations Magazine - Smile! Rejuvenate Your Life! - Image 01
    Before

    Nothing can start your day off better than seeing a beautiful, genuine smile in your mirror. Have you ever thought, “I don’t like my smile?” With today’s dental advancements you can significantly improve your smile.

    You may consider smile rejuvenation if you have any of the following:

    • crooked teeth
    • missing teeth
    • misaligned teeth
    • stained teeth
    • gapped teeth
    • uneven length teeth
    • gums that are too noticeable
    Generations Magazine - Smile! Rejuvenate Your Life! - Image 02
    After

    There are many ways to make your teeth straight, fill in gaps and improve their overall appearance. Orthodontics such as clear aligner therapy align teeth for health, function and beauty. Porcelain veneers can help to enhance your smile. You may have a tooth missing — a dental implant topped with a crown, may resolve that problem.

    Generations Magazine - Smile! Rejuvenate Your Life! - Image 03A person with a malocclusion or “bad bite,” prematurely wears down the teeth. Severe wear collapses the space between the chin and nose, creating a very aged facial appearance. Correcting the bite gives the patient an “instant face-lift”.

    Whether you want to change the shape, color or alignment of your teeth, consult a dentist who specializes in smile rejuvenation to discuss the best option for you.

    Nothing can start your day off better than seeing a beautiful, genuine smile in your mirror. Have you ever thought, “I don’t like my smile?” With today’s dental advancements you can significantly improve your smile. You may consider smile rejuvenation if you have any of the following: crooked teeth missing teeth misaligned teeth stained teeth…