Category: Articles

  • Grassroots Wisdom: Plantation Values Inspires Alan Parker of ADRC Hawai’i

    Grassroots Wisdom: Plantation Values Inspires Alan Parker of ADRC Hawai’i

    Alan Parker with his hanai mother, Rita Branco, and grandson, Kyan Ray Keaka Parker

    HCOA has a simple process for delivering services to the elderly: when seniors voice a problem, Alan and his staff listen. That’s it. Hawai‘i Island citizens start their own grassroots initiatives and mobilize resources to solve it. “Actually, we don’t create programs,” says Parker. “Seniors and the community come up with their own ideas. My six community planners listen and support them with good business planning.” The results of this simple strategy are astounding. Statewide Caregiver Resource Centers (CRC), Community Planning Councils on Aging, Community Voices Programs and Aging and Disability Resource Centers (ADRC) all started on the Big Island.

    Generations Magazine- Grassroots Wisdom Plantation Values Inspires Alan- Image 02
    Younger Alan on his first outreach assignment in the rural plantation towns.

    Sound too easy? This humble man at the helm of HCOA practices what he calls “plantation values,” and recites lessons his own mentors taught him a generation ago: watch, listen, be quiet and work hard. Parker, highly respected by his peers and employees and adored by elderly clients, has quietly and diligently translated his parents’ values into a system that works. His staff and a large network of county social service programs are passing on this same elder wisdom to a new generation. HCOA is a living network of public and private organizations, profit and non-profit entities that respect one another’s strengths and limitations. They work together to aid and protect their elders.

    Strength In Collaboration

    Problem 1: Elderly living alone in rural areas of Puna were at high risk but Hawai‘i County first responders didn’t know how to find them.
    Problem 1: Elderly living alone in rural areas of Puna were at high risk but Hawai‘i County first responders didn’t know how to find them.

    While Hurricane Iselle winds were battering Puna, a rural district south of Hilo with a large elderly population, Hawai‘i County Mayor Billy Kenoi called a meeting of all public agencies, including Civil Defense, Office of aging, and United Way with all their agencies. Alan Parker brought his two senior planners, Shelly Ogata and Nic Los Banos.

    Command Center Between the "War Room" and the Command Center, both entities assist and monitor the crisis.
    Command Center
    Between the “War Room” and the Command Center, both entities assist and monitor the crisis.

    HCOA to the rescue — their computer database of some 3,000 seniors became a resource. IT specialist Horace Farr culled out Puna addresses of elders and synched GPS for 320 target homes. The result was a map showing where elderly and disabled residents might be trapped. Hawai‘i County Department of Parks and Recreation, along with many agencies collected emergency supplies, put them in bags and delivered them In the midst of the storm, first response teams with medical and social workers found and delivered aid, food and needed emergency information to 80 isolated seniors. It’s a perfect example of how community-based grassroots efforts work.

    Senior planners, Shelley Ogata (3rd from the left) and Nic Los Banos (far right) meet the team from various departments of HCOA and ADRC to gather in a specifically designed conference room nicknamed the “War Room”.
    Senior planners, Shelley Ogata (3rd from the left) and Nic Los Banos (far right) meet the team from various departments of HCOA and ADRC to gather in a specifically designed conference room nicknamed the “War Room”.
    Horace Farr, IT specialist, stands by for instructions.
    Horace Farr, IT specialist, stands by for instructions.

    What was born in a storm is now a Hawai’I Island First Response Coalition. All the agencies mobilized in Iselle formalized outreach procedures so they would be prepared to activate in future disasters. This month the teams are working again, with evacuation plans for Pahoa residents in the path of Kilauea’s latest lava flow. This is the Parker’s “grassroots wisdom” in action.

    Alan believes and teaches that Hawai‘i culture has something special, which spans the generations and allows people to work together well. He says, “I got a lot of wisdom from the Plantation Generation: hard work, reliance on family and neighbors, respect for the older generation, and making responsible decisions for future generations. The kupuna in my hanai family taught me these same values.

    “I had a wonderful family. As you know, it is a cultural practice to share your kids with other families. When I was a young teen I bought a car with no transmission — a Chevy Impala — and I had no clue how to put in a new transmission. That’s what kids do. My family didn’t have a garage. Our neighbors, The Branco family gave me their garage to work on my car for months until I got enough money and knowledge to fix my car. Can you imagine what a sacrifice they made for a neighborhood kid?

    That was 1965. After that the Brancos invited me to every family gathering, as a hanai son. Nurturing other through the family is an old Hawaiian and plantation tradition. That’s just how we work at HCOA.”

    Two of Alan’s mentors are George Yoshida, and Derek Kurisu, Hosts of KTA Superstores’ “Seniors Living in Paradise Show” on Oceanic Cable TV. George was the Director of the Elderly Activities Division of Hawai‘i Department of County Parks and Recreation who started Big Island Senior Centers. Derek is Vice President of KTA Superstores and a visionary who has partnered with George and Alan to create public resources like the hosting the TV show, soliciting donors and prizes for the annual Old Americans Luncheon, and editing the HCOA Silver Bulletin. This public/private collaboration is not a campaign promise, but a 30-year reality.

    Generations Magazine- Grassroots Wisdom Plantation Values Inspires Alan- Image 07.

    George and Derek promote the values they were all raised with — they call them “plantation values”because a lot of different people groups were forced to work together and get along in plantation camps, housing for workers on large sugar plantations. Kurisu is in demand as an inspirational speaker, promoting these values, and Yoshido creates programs and venues that build on them — he began Kupuna Hula and Senior Softball, which are now statewide and international programs.

    Parents, Virgil Ray and Tsukie Hirai-Parker
    Parents, Virgil Ray and Tsukie Hirai-Parker

    Alan Parker holds his mom’s generation in great esteem. “Mom was Japanese. Dad came from Ohio during World War II and joked that he came to fight the Japanese, but ended up being captured by one of them! The leaders of that era were strong and very wise: Mary Matayoshi at Hawai‘i Community College, American Cancer Director Lily Inouye, Patrick Pavao at Veterans Affairs, and office volunteer, Alice Ondigon. I learned so much from all of them.

    “I made some mistakes, too,” admits Parker. One time the Department of Parks and Recreation asked him to develop a plan to restore Puna parks destroyed by Kilauea in the 80s. Parker grins. “The Puna folks really hated my plan — shot it down good. Gee, you know I felt bad … but afterwards I called a meeting and asked the people to put together their own plan; I invited the ones who had complained the most. Three months later they laid out a plan they really liked and it was almost exactly what I had proposed! But you know the big difference was that it was their plan. I never forgot that grassroots is number one.”

    When Parker joined HCOA in 1974 as Director of Retired and Volunteer Senior Program (RSVP,) his boss was Gladys Bowell, a social worker from New York, who had worked with big national agencies and the National Girl Scouts. “She had impressive experience, but she didn’t come in and tell us what to do; she just fit in to the community, gained trust and listened to everybody. Then she gathered folks from every echelon of the community: unions, plantations, and heads of state agencies, housewives and the mayor, to work on aging problems. And then Gladys kept listening. When they came up with something worth doing, she helped with planning, found donors and grants to support it. That first program was Kona Homemakers Program, which is still successful 40 years later. Gladys was great at getting people to tell her what they need.”

    “I got a lot of wisdom from the Plantation Generation: hard work, reliance on family and neighbors, respect for the older generation, and making responsible decisions for future generations.” – Alan Parker

    Alan reminisced about mobilizing his first group of RSVP volunteers. “Isami Kobayashi, head of the Papaikou Senior Club, did so much for seniors. We needed RSVP volunteers like retired schoolteachers to help in the schools. His club was big — over 400 retirees — so I asked him to put the word out. He came back and said he was sorry; he wanted all his club members to volunteer, but only 150 signed up! Yikes — I had to scramble to find assignments for all 150 of them! Dorothy Kataoka and Shigeko Chang would take two busloads of volunteers up to Hilo Hospital each week. They were housewives, truck drivers, and plantation field crew, but they found ways to help: landscaping, working in the hospital laundry and in the physical care department doing needlework. It’s different now — government programs dictate what kind of volunteers they want, with this skill or that. At HCOA a desire to help is still top priority. If people want to help, we can find work for them. That’s why our RSVP program is still going strong.”

    In 1978 HCOA Director William Takaba brought formal case management and database tracking to HCOA, and it made a big difference in the effectiveness of all the programs. That year Pauline Fukunaga joined the department. Later in 2001, after a two-year assignment at the Parks Department, Alan took over as HCOA Director, and made Pauline his Lead Planner. She will retire early in December 2014.

    Seeds Of Values Take Root In The Future

    Parker is proud of his current staff and says the young people working at HCOA are remarkable. “I hear people complain about the next generation, but I don’t get it. I see young people with a lot of skills who are serious about helping our seniors. Our Hawai‘i families have passed down their plantation values to the next generation. I am passing them down to my grandchildren.”

    Early RSVP volunteer Lily Alicuban, and Derek Kurisu passed on their her community values. Liliy’s grandson Evan and Derek’s son Blake were buddies in Key Club at Waiakea High School and secured grants to install Personal Emergency Response Systems (PERS) in the homes of elderly living alone– light switches that would turn ordinary porch lights into blinking emergency lights. The emergency lights saved lives. Now Evan is Resident Physician at USC School of Medicine. Blake, a New York Marketing Manager, earned his MBA from Harvard.

    Within HCOA, Planner Nic Los Banos is an example of a new breed of county employees with business degrees, that Parker mentors. They bring to the job computer skills, and business skills like controlling and marketing, as well as financial accounting and planning.

    Hawai‘i County Office on Aging contracts with and has working relations with over 50 agencies and other partners to deliver services to a mix of aging Hawai‘i residents: active and healthy, frail and elderly, disabled and chronically ill. This broad network of services are funneled through an Aging and Disability Resource Center (ADRC) named Kahi Malama (Place of Care) located in Hilo, a one-stop shop where seniors can access all the county programs and resources for aging: caregiver support, case management, counseling, employment information, legal, nutrition, personal care, outreach, respite, transportation, volunteers, elder abuse and neglect, healthy aging, awareness and prevention.

    Generations Magazine- Grassroots Wisdom  Plantation Values Inspires Alan- Image 09.

    Alan’s small staff of five planners covers a lot of ground by coordinating with their partner organizations. In addition, a host of volunteers allow Hawai‘i County to meet its commitment to the aging through modern communications, shared resources, and a commitment to helping others. Without volunteers, the network could not meet its full mission.

    “At HCOA a desire to help is still top priority. If people want to help, we can find work for them. That’s why our RSVP program is still going strong.” – Alan Parker

    What’s in store at Hawai‘i County Office of Aging after Alan Parker closes out 40 years and retires at the end of the year?

    “I leave a clean slate for the next director,” says Parker. “2015 is the start of a new strategic planning cycle. Since the recession in 2008, federal and state funding has been reduced, and the small HCOA staff has been pulled thin by an increasing number of clients as baby boomers retire. Disaster relief adds to the workload. Nevertheless, HCOA is meeting its mission. We have a marvelous staff, and they get a lot of work done — done well. I think as the economy continues to strengthen, our budgets will get more robust.”

    Also retiring after 36 years is Lead Planner, Pauline Fukunaga. “Hawai‘i has the greatest longevity in the nation,” says Pauline. “We also have the fastest growing group of 85+ year-olds in the country. For many years HCOA exclusively served old and frail elderly residents, but now we also have a growing number of active seniors with different needs. We are listening to what they want, and our programs will have to change,” said Fukunaga.

    Parker reflected, “Pauline and I have learned that top-down, cookie cutter programs don’t work very well here; they don’t seem to last. But grassroots, community-based programs will continue to be born in Hawai’i County after we step down. My wonderful staff and the generation of workers behind them are skilled listeners, skilled business planners and committed to help Hawai‘i seniors plan and grow solutions to their problems.”

    We left the HCOA staff with a good feeling — and a new gratitude for the values that set Hawai‘i apart from all other communities: respect for elders, grassroots wisdom and aloha for all.

    Generations Magazine- Grassroots Wisdom  Plantation Values Inspires Alan- Image 10.
    Photo courtesy of County of Hawaii Mayor’s Office In 2010, Alan Parker (left) receives the Excellence in Action Award from the U.S. Administration on Aging, the Centers for Medicare and Medicaid and the Veterans Administration, presented by Audrey Suga-Nakagawa, State ADRC Coordinator and Mark Miranda, the Governor’s Liaison.
    Generations Magazine- Grassroots Wisdom  Plantation Values Inspires Alan- Image 11.

    HCOA has a simple process for delivering services to the elderly: when seniors voice a problem, Alan and his staff listen. That’s it. Hawai‘i Island citizens start their own grassroots initiatives and mobilize resources to solve it.

  • It’s Not A House – It’s HOME

    In 1992, when Hurricane Iniki hit the islands, my mother-in-law refused to leave the house. Both Linda and I were working and we called her over and over, trying to get her to go to a shelter. She wouldn’t leave her beloved dog behind and at that time, not many shelters accepted pets. Fortunately, she rode out the storm, in the dark, hugging the pup.

    This brings us to Puna on the Big Island. Neighborhoods there took a serious hit from tropical storm Iselle. I know this much about Puna side of Hawai‘i Island: there are families kupuna who have lived there for years and would react just like my mother-in-law. They would NOT leave their homes. It’s not just a house — it’s a HOME. It may be because of a pet. It may be because of a koa rocker in the living room. It may be because of photo albums that keep their memories alive.

    Experts tell us that aging in place — even during a storm — is a vital concept when it comes to our seniors. The longer they can stay in comfortable familiar surroundings, HOME, the better off they will be — physically, emotionally, spiritually, financially.

    It is important to remember, we need to think about the needs of our seniors, not just on a day to day basis, but especially during times of emergency. They may experience confusion, stress — but if that senior relative or neighbor has your arm to lean on, you can make all the difference in the world. And if they have a pet, scoop that baby up and take it with you.

     


    The Elderhood Project airs on KHON2 News Friday mornings at 5:45 a.m. And Thursday afternoons at 5 p.m.

    In 1992, when Hurricane Iniki hit the islands, my mother-in-law refused to leave the house. Both Linda and I were working and we called her over and over, trying to get her to go to a shelter. She wouldn’t leave her beloved dog behind and at that time, not many shelters accepted pets. Fortunately, she…

  • The Gift That Gives Back To You

    Did you know there is a way to support your favorite charitable cause and receive cash back? It’s called a charitable gift annuity and many, but not all, charities offer this form of giving. In Hawai‘i, there are some legal requirements that must be met by a charity before it can offer this form of charitable giving.

    When you make a gift of cash or an appreciated asset in exchange for a charitable gift annuity, the charity makes a promise to pay you for the rest of your life. Your payment rate is fixed based on your age and never changes.

    Choosing to participate in a charitable annuity program allows you to make a meaningful charitable gift, and receive regular, fixed payments no matter how long you live. The payments may provide for dependable payments for your spouse or another person if you wish. Optionally, you may receive higher payments for a deferred payment gift annuity. There may also be tax benefits such as an income tax deduction in the year of your gift, and payments that are partially free of federal income tax for a period of time.

    People who are considering a substantial charitable gift but also feel uncertain about the future like the idea of a charitable annuity with continuous payments.

    If you plan to give a portion of your assets to charity, and want more information on ways charitable gift annuities might work for you and your family, visit National Kidney Foundation of Hawaii online and just click on “Donor Stories.”

     


    National Kidney Foundation of Hawaii
    808-589-5976 | jeff@kidneyhi.org
    For Planned Giving: www.kidneyhawaii.org
    Main: www.kidneyhi.org | www.kidney.org

    Did you know there is a way to support your favorite charitable cause and receive cash back? It’s called a charitable gift annuity and many, but not all, charities offer this form of giving. In Hawai‘i, there are some legal requirements that must be met by a charity before it can offer this form of…

  • Hooked On “Seniors Living In Paradise” Show

    George Yoshida and Dereck Kurisu — two guys seniors invite into their homes every day.
    George Yoshida and Dereck Kurisu — two guys seniors invite into their homes every day.

    “Seniors Living in Paradise” one-hour show on Oceanic Cable TV is a phenom — re-running twice a day in prime time all month, and cut into short Youtubes for the online world. Some seniors watch it nightly to bring sound, laughter, and company into their homes. “I can’t believe how many people in Hawai‘i and on the mainland watch this show!” says Hawai‘i County Mayor Billy Kenoi. “Tune in and you’ll be hooked.”

    It’s a series of upbeat, homespun vignettes featuring seniors, kids and families doing what communities do. For 60 minutes we follow show host George Yoshida, a jovial tutu man who “knows everybody’s auntie,” from one happy activity to another. The program bumps along like a Sunday drive, with something for everyone: banter of personal interviews, community activities, family parties, information for seniors, cooking demonstrations, and kids of all ages and ethnic groups — interacting with seniors. Local style music and Yoshida’s “everything is beautiful” attitude keep viewers engaged and coming back for more.

    “I think we deliver a lot of information — we recognize many talents, achievments and values that our kupuna pass on to the keiki. We want folks who are not able to get out to see good things happening in our communities on the Big Island. They get enough upsetting news — we bring them fun, hope, and plenty to smile about.”

    Volunteer host Yoshida started out as a high school teacher and coach before joining the Hawai‘i County Department of Parks and Recreation, their Elder Activities Division. He created Kupuna Hula and Seniors Softball. George is happiest devoting his time, cheerfully showing the world what happy seniors and their families are up to. He didn’t count on becoming a senior superstar, but things happen.

    Kurisu is in demand too, as an inspirational public speaker on “plantation values:” norms, values, attitudes and work ethic that plantation workers practiced to get along with one another and share in the benefits of plantation camps communities like Hakalau, where he grew up. Now he teaches younger generations these same values, so they can be successful too. He creates respect and brings the generations closer together.

    As Vice President of KTA Superstores, Derek is a business superman, disquised as a kua‘aina farmer who leads a never-ending battle in helping seniors enjoy a better life, and create public/private collaborations that grow KTA Superstores brand in the process. Seniors win big with: The annual Old American Luncheon, monthly cooking demonstration at senior centers and Mountain Apple Brand, KTA’s private label plant that employs many seniors.

    These “Seniors Living in Paradise” guys are going to hook you too!

     


    Living in Paradise: Oceanic Time Warner Cable channel 27
    Seniors Living in Paradise
    Mon. – Fri.: 6:00 am – 7:00 am | Daily: 6:30 pm – 7:30 pm
    Primetime Living in Paradise
    Daily: 7:30 pm – 8:30 pm, 12:00 am–1:00 pm
    Watch recent Youtube episodes online: www.ktasuperstores.com/living-in-paradise-show

    “Seniors Living in Paradise” one-hour show on Oceanic Cable TV is a phenom — re-running twice a day in prime time all month, and cut into short Youtubes for the online world. Some seniors watch it nightly to bring sound, laughter, and company into their homes. “I can’t believe how many people in Hawai‘i and…

  • Prepare For Future Hurricanes Now

    The protection of family and property is very important to us. Potentially dangerous storms headed Hawaii’s way serve as a notice to homeowners: now is the ideal time to shore up one’s roof with the goal of mitigating catastrophic damage.

    In advance of future storms, homeowners should check past service records for their roof. If it has been more than 10 years since installation or repairs have taken place, a roofing inspection will pinpoint necessary improvements. Most reputable roofing companies will offer free inspections, and get up on the roof to access any current or potential problems. Just having them look over your roof gives needed peace of mind.

    Remember, the hurricane season runs through November; anticipate potentially dangerous storms, and address key roof issues:

    • Check for loose edge flashings and worn or cracked shingles.
    • Clean gutters and downspouts of debris, and trim encroaching tree branches; heavy rains can overwhelm gutters and impede the proper flow of water around areas which may lead to unnecessary damage.
    • Inspect all skylights and additional roof flashings for cracks and other defects.
      By taking these simple steps, residents give themselves and family members the best chance of riding out the busy hurricane season.

     


    Murakami Roofing, LLC
    45-558 C-18 Kamehameha Hwy., Kaneohe 96744
    808-348-8270 | murakamiroofing@gmail.com
    www.murakamiroofing.com

    The protection of family and property is very important to us. Potentially dangerous storms headed Hawaii’s way serve as a notice to homeowners: now is the ideal time to shore up one’s roof with the goal of mitigating catastrophic damage. In advance of future storms, homeowners should check past service records for their roof. If…

  • Kupuna For Common Grace

    Jay Jarman and Kevon
    Jay Jarman and Kevon

    “Matching the kindness of a neighborhood church with the needs of a kid in a public school,” is the motto of Common Grace, created in 2002. This homegrown organization partners members of neighborhood churches and service clubs with elementary school students at breakfast, lunch or after-school time to offer kindness to kids. Many seniors volunteer with Common Grace.

    It all started with the Principal of Queen Lydia Lili‘uokalani Elementary telling Jay Jarman and Pastor Ron Arnold of Kaimuki Christian Church that they have lonely children on their campus. She asked, “Would any of your church family members like to come once in a while to sit and talk and make friends with our kids?”

    Today, Common Grace partners with twenty-one elementary schools, interacting with approximately 150 students. They are supported by the State of Hawai‘i Department of Education Superintendent, and received the 2007 Partnership in Education Award. Jay Jarman, Executive Director, received the 2009 Outstanding Advocate for Children and Youth Award from the Hawaii State Legislature.

    If you want to be a friend to a lonely little kid, you may contact Common Grace: 808-282-6194. Mentors complete a two-hour training session and pass a background check and work in teams to offer mutual support and built-in back-up in case you are not able to be with your child at your regular meeting time. For more information visit: www.commongrace.org.

    “Matching the kindness of a neighborhood church with the needs of a kid in a public school,” is the motto of Common Grace, created in 2002. This homegrown organization partners members of neighborhood churches and service clubs with elementary school students at breakfast, lunch or after-school time to offer kindness to kids. Many seniors volunteer…

  • Preserving Hilo’s Past: The Lyman Museum

    Photo by W Nowicki
    Photo by W Nowicki

    A few blocks mauka of Hilo Bay at 276 Haili Street is a white frame building with dark green trim and a surrounding veranda upstairs and down, in the style of nineteenth-century New England homes. A guided tour of the Lyman Mission House, listed on both the National and State Registers of Historic Places, gives visitors a colorful and accurate look at missionary life in 1800s Hilo. The Lyman Museum, which includes the adjacent Mission House, is one of only four accredited museums in Hawai‘i and is also a Smithsonian affiliate.

    Sarah and David Belden Lyman were educator-missionaries of the American Board of Commissioners for Foreign Missions (ABCFM) in Massachusetts, assigned to the Hilo Mission in 1832. The very first missionary station in East Hawai‘i, the Hilo Mission had been established in 1824 at the village of Waiakea. The Lymans entered the Hawaiian mission field at a time of the “Second Great Awakening,” when thousands of converts were filling new churches throughout the Islands, including Hilo’s own Haili Church, founded in 1824. By 1840, over 90 percent of Hawaiians throughout the Islands attended Sunday services every week.

    The Lymans also built a large thatched-roof meeting hall where they held religious services and educational programs each week. Later, as seasoned teachers, they were commissioned by Kamehameha III to found and administer the Hilo Boarding School for Hawaiian boys and young men. Native Hawaiians responded so favorably to missionary training in reading and writing that Hawai‘i became the most literate country on the planet.

    Generation Magazine-on2014k-2
    Photo courtesy by the Lyman Museum

    The Lyman Museum was established in 1931, with natural and cultural history collections housed in the Lyman family home, and a mission “To tell the story of Hawai‘i, its islands and its people.” In 1971, an adjacent museum building designed by architect Vladimir Ossipoff was constructed, and all the holdings were moved to this secure space with controlled environmental conditions and expanded room for exhibits. The Earth Heritage Gallery showcases the geological beginnings and natural habitats of the islands, while the Island Heritage Gallery tells the stories of the peoples and cultures of Hawai‘i. The Lyman Hawaiian shell collection is renown. The Museum’s collection of gems and minerals is the life’s work of a Lyman great-grandson, is described by the Smithsonian as one of the ten best in the U.S.

    The Museum upholds the Lyman tradition of lifelong learning by regularly hosting educational programs on the natural, cultural, and social history of Hawai‘i, engaging and informing the community and visitors alike. In October, local island historian Boyd D. Bond will present “A Broad History of Hawai‘i Island”; later in November, he will talk story about the complex life and colorful reign of Kauikeaouli (Kamehameha III).


    For information on the many educational opportunities:
    Lyman Museum, Hilo
    808-935-5021 | www.lymanmuseum.org

    A few blocks mauka of Hilo Bay at 276 Haili Street is a white frame building with dark green trim and a surrounding veranda upstairs and down, in the style of nineteenth-century New England homes. A guided tour of the Lyman Mission House, listed on both the National and State Registers of Historic Places, gives…

  • Adjusting Your Money Mindset

    Money is a powerful influence on our lifestyle, emotions and behaviors. If you’re serious about improving your financial life, examine your money mindset

    Acknowledge your personal history. If you grew up in poverty, you may have an underlying sense of scarcity–never having “enough.” If you were accustomed to abundance, you may not know how to manage money wisely. Such patterns may prevent you from earning what you’re worth, saving adequately, spending responsibly or being more philanthropic.

    Evaluate your emotional response to money. Is your mood tied to your assets? Does your bank account define you? When money occupies the driver’s seat, anxious thoughts can prevent you from making reasonable choices.

    Stop playing these money mind-games.

    • I’ll be happy when I make more money. Happiness comes from within. It is important to enjoy the successes you’re experiencing today as well as working on future goals.
    • Money is the only thing that matters. Money is an important means to an end. Worshipping money at the expense of people, nature, art and ideas may lead to loneliness and disappointment.
    • Money is meaningless. This harmful idea feeds reckless spending, de-motivate your work life, and stress those who depend on your productivity. Money should be treated with respect and not frittered away.

    Let go of the past. Stop beating yourself up for your financial mistakes. Reframe regrets as lessons and opportunities to grow. People recover from a failed business, job loss, stock tumble, or tax trouble. Keeping an open mind and focus on what you can do now.

    Curtail the time spent thinking about money. Dwelling on dollars and cents or fantasizing about winning the lottery doesn’t get you any closer to your goals. Step back; switch gears and identify\ tried and true actions to help you reach your goals. Daydream for short bursts of time; then get back to the business of living.

    Enlist a financial ally. A skilled financial advisor will be very familiar with mental, emotional and behavioral landmines you want to avoid on the road to a solid financial future. With tools to plan, save, and invest, within your timeframe and budget, you can live without financial stress, now and In the future. Look to your advisor for guidance and encouragement to sharpen your mental game and develop a new money mindset.

     


    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 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 26 years.
    Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
    Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.
    © 2014 Ameriprise Financial, Inc. All rights reserved. File # 975765

    Money is a powerful influence on our lifestyle, emotions and behaviors. If you’re serious about improving your financial life, examine your money mindset Acknowledge your personal history. If you grew up in poverty, you may have an underlying sense of scarcity–never having “enough.” If you were accustomed to abundance, you may not know how to…

  • Crossing the Rainbow Bridge

    Generations Magazine- Crossing the Rainbow Bridge - Image 01For many people, a pet is their best friend and loyal confidant. Losing a loved one is never easy, especially when you have to make the difficult decision of saying good-bye because your pet is suffering, or no longer enjoying a good quality of life. The Hawaiian Humane Society offers euthanasia and cremation services for pets who are ready to cross the Rainbow Bridge.

    In the emotional period following your pet’s death, it’s important to know that no two people grieve the same. Recovering from grief often involves finding positive ways to fill the void created by the loss.

    There are many ways to celebrate your pet’s life to help you during the grieving process:

    • Record happy memories in a journal or a letter.
    • Make a photo album or collage.
    • Plan a memorial service.
    • Volunteer to help animals.
    • Make a donation in memory of your pet to the Humane Society.
    • Your pet’s name will be listed in the Society’s community newsletter.

    Grieving the loss of a pet is natural and anyone struggling can attend the Pet Loss Support Group. The group meets the first Tuesday of each month, from 6 p.m. to 7 p.m. at the Hawaiian Humane Society. Meetings are facilitated by counselor Rosemarie Grigg.

    While a pet may be gone, their memory lives on with the people who loved them.

     


    Hawaiian Humane Society
    808-356-2222 | www.HawaiianHumane.org

    For many people, a pet is their best friend and loyal confidant. Losing a loved one is never easy, especially when you have to make the difficult decision of saying good-bye because your pet is suffering, or no longer enjoying a good quality of life. The Hawaiian Humane Society offers euthanasia and cremation services for…

  • Hospice & Part D Prescription Medications

    Earlier this year the Centers for Medicare & Medicaid Services (CMS) clarified the criteria for determining payment responsibility under the Part A hospice benefit and Part D prescription drug benefit for individuals who are under the Medicare hospice benefit. This was done to help prevent duplicate payments. CMS has issued a new guidance that requires denial of Part D claims on the basis of Prior Authorization (PA) for Medicare members who choose the hospice benefit after May 1, 2014.

    What is a “prior authorization” of a prescription drug?

    This is usually when the Medicare Part D plan will cover a particular drug, but your doctor must first show the plan that it is medically necessary for you to have that particular drug. The plans also do this to be sure that the drugs are used correctly. In this new scenario the Medicare Part D plan must confirm who is responsible for paying for the drug; the hospice benefit or the prescription drug benefit. This will also reduce the number of inaccurate claims.

    What medications does hospice benefit pay?

    This benefit will pay for medications that ease the suffering and help in pain management in a terminal condition. The Medicare approved Hospice provider will supply the medications and the copayment to the individual will be no more than $5.00 per prescription.

    What does Medicare Part D pay for?

    Your Part D plan will pay for those maintenance prescriptions not related to the hospice benefit. Medications for things like high blood pressure, heart disease, diabetes and other chronic conditions. Under this new guidance these medications will require prior authorization,

    What can I or my caregiver do so that there is not a delay in getting the medications I need?

    First, whenever possible order your refills at least seven days before your current prescription runs out. Call your Medicare Part D plan to ask for the forms and process in requesting a “coverage determination”. Talk with your hospice provider or nurse on what prescription drugs are under your hospice benefit.

    Please call for more information about this or other Medicare subjects. We have trained and certified counselors available to help navigate the Medicare health care system. If you have a group that would like more information about the upcoming Medicare Open Enrollment Period (October 15 – December 7, 2014) we are available for community presentations and annual Medicare screenings. And always, we are looking for individuals who would like to help their community by becoming a Hawaii SHIP Volunteer.

     


    Hawaii SHIP (State Health Insurance Assistance Program)
    1-888-875-9229 | 808-586-7299
    help@hawaiiship.org | www.hawaiiship.org
    For 2014 Medicare updates: www.medicare.gov

    Earlier this year the Centers for Medicare & Medicaid Services (CMS) clarified the criteria for determining payment responsibility under the Part A hospice benefit and Part D prescription drug benefit for individuals who are under the Medicare hospice benefit. This was done to help prevent duplicate payments. CMS has issued a new guidance that requires…

  • When Home is Anything But Sweet

    Hawaii has the largest number of Homeowner’s Associations (HOA) per capita than other state. In these structured communities, residents agree when purchasing their homes to follow certain rules to ensure a certain quality of life is maintained for residents. They pay monthly fees to maintain amenities like, common areas, landscaping and pools, also other expenses, including hiring lawyers to enforce the rules. Governing body of HOA is the Association Board made up of residents elected to their position and to act in the community’s best interest. These communities, are only as good as the members elected to the Boards. Run well and responsibly, neighborhoods become everything residents desire and more. Run poorly, abuse can occur.

    An increasing number of instances nationwide where these Boards, hiding behind the excuse of enforcing the rules, have abused their powers, often times targeted the elder members of their community, using harassment, confusion, shame and fear in order to financially bully them.

    One example, when Walter (not his real name) returned home from a trip, he discovered in his mailbox letters from his HOA Board, fining him for not maintaining his lawn — an HOA violation. Since he was comfortable speaking up at previous Board meetings, he ignored the correspondence with the intent of explaining the circumstances of his trip at the next meeting. Before the next meeting, he received a letter from an attorney the Board hired, threatening legal action if Walter didn’t pay not only the original fine, but also the legal expenses the lawyer charged to write the letter. Walter found himself not only the target of the Board that didn’t appreciate his outspokenness, but the subject of a lawsuit demanding thousands of dollars in unreasonable legal expenses.

    Actions that can be taken to minimize harm done and protect yourself and home.

    If you are being treated unfairly by a HOA:

    • Learn your HOA’s rules and the consequences.
    • Know what fee’s you’ve agreed to pay for.
    • Know how fee increases are set, how often they occur, how much is in the HOA’s reserve fund, and the operating expenses and the budget.

    If you feel abuse is occurring:

    • Keep records: document abuses and keep all your correspondences with your HOA.
    • The worst thing is refusing to pay HOA fees and not telling your reasons — the risk is foreclosure.
      Call the Department of Commerce and Consumer Affairs at 586-2643.
    • Seek out legal advice from an attorney specializing in defending homeowners from HOA; depending on your circumstances, they may take the case on contingency (pay if you win).

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

    Hawaii has the largest number of Homeowner’s Associations (HOA) per capita than other state. In these structured communities, residents agree when purchasing their homes to follow certain rules to ensure a certain quality of life is maintained for residents. They pay monthly fees to maintain amenities like, common areas, landscaping and pools, also other expenses,…

  • Solutions to the De-Clutter Dilemma

    As Baby Boomers and their parents retire, many are choosing to downsize to a simpler life. With their children out of the nest, many are seeking a more comfortable living environment as they age. Many are choosing to spend their retirement years living in a smaller home, retirement community, or with their adult children. This transition is often too overwhelming and very stressful. With years of memories and accumulated “stuff” in their home, they simply don’t know where to begin. With little to no help available, many aren’t able to make the move so they stay where they are even if they know that other living options would be better for them.

    The Good News is, now there is a solution to this growing issue developing in our community of retirees.

    Senior Move Managers LLC, also dba De-clutter Hawaii, was formed by Dan and Julie Ihara in October 2010. After years of servicing senior clients in their Real Estate business, they have created efficient, friendly tools that help Seniors downsize their personal belongings. They’ve learned ways that help people de-clutter their home and detach from their personal belongings. In January of 2011, they joined the National Association of Senior Move Managers (NASMM) as the first and only Senior Move Management firm in Hawai‘i. Dan’s niece, Cynthia Goya Arnold, is the Vice President of Operations and manages the day-to-day services for their clients. Since the inception, Senior Move Managers has helped hundreds of clients move into Retirement Communities, Condos, as well as helped clear out family Estates where parents have passed on.

    We’ve seen it all: from the vacant “hoarder home” to the everyday Senior who has lived in the same home for 80 years. No job is too big, or too small for us to help. We have also been called on to downsize and de-clutter homes to make them safer and more functional for those choosing to stay at home and age in place. No matter what your age, most people can use help with de-cluttering their home. Each client receives customized services based on their personal situation. We do anything to help our clients minimize stress. Seniors like that we’re insured, bonded and nationally certified with the NASMM.

    Senior Move Managers offers a free one hour consultation to determine your goals, create a plan and schedule to meet those goals. Senior Move Managers is part of The Complete Solution for Seniors who also helps seniors with finding alternative living environments, improve the value of their home and sell their home for the highest price within your time frame.

    We started this business to help families through an often challenging phase of life. As a local, family-owned and operated business, we treat you like our family. Call us and you’ll see our passion to serve and compassion for Seniors. Cynthia Arnold at 808-221-8345, or Dan Ihara at 808-256-7873.

    As Baby Boomers and their parents retire, many are choosing to downsize to a simpler life. With their children out of the nest, many are seeking a more comfortable living environment as they age. Many are choosing to spend their retirement years living in a smaller home, retirement community, or with their adult children. This…