Category: Articles

  • Care in the Air

    PROGRAMS-SERVICES-Care-in-the-Air_image2Hawai‘i Life Flight is an air ambulance provider serving the Hawaiian Islands, transporting patients from pediatrics to geriatrics. It’s scope of care ranges from cardiac and trauma to neurological and burn patients.

    This emergency air medical transportation is especially important for Neighbor Island residents who don’t live near major medical centers, Kawika Villa says. “If you or a family member suffer an accident or serious medical problem and needed to be transferred to a medical facility on another island,” he says, “Hawai‘i Life Flight will transport you in a modern, medically equipped and professionally staffed aircraft.”

    The Crew

    The Hawai‘i Life Flight medical crew members average 10 years of critical care or emergency medicine experience. The flight nurses and paramedics use the latest technology and advanced education to transport patients who may require advanced procedures and monitoring.

    New Name, Goals & Service

    Hawai‘i Life Flight might be the new name in Hawai‘i’s air ambulance industry, but the company has actually been serving the state since 1979. Owner Joseph Hunt purchased Hawai‘i Air Ambulance in 2006 to improve the quality of air ambulance services in the Islands. The company changed its name in 2010, and is now known as Hawai‘i Life Flight. Hunt vowed to make vast improvements to increase the safety, reliability and responsiveness of the company to give the people of Hawai‘i an air medical 
transportation company worthy of their trust and support.

    PROGRAMS-SERVICES-Care-in-the-Air_image1In 2006, Hunt got to work right away hiring an entirely new management team. He replaced the older Cessna fleet with newer, faster aircraft, opting for Raytheon King Air C90B models. More than $2 million of custom reconfiguration work was done to prepare the fleet for the demands of Hawai‘i’s medical community. The company also raised the bar when selecting pilots, aircraft maintenance and medical personnel to above current FAA and industry standards. In addition, new positions were created to monitor and ensure quality management and safety, compliance, efficient communications and risk assessment.

    Hawai‘i Life Flight’s vision was to decrease the wait times and ensure safe, efficient and reliable response. Hawai‘i Life Flight has opened six bases throughout the state at Li¯hu‘e, Kahului, Honolulu, Kamuela, Hilo and Kona. Each of these bases has a flight crew response time of approximately 20 minutes or less to the patient’s bedside or base airport. Crews actually live in the communities they serve and participate at various community events.

    Membership Program

    Hawai‘i Life Flight also has a membership program that makes out-of-pocket expenses affordable to patients. Most major insurance carriers are accepted. Hawai‘i Life Flight membership program waives the member’s insurance deductible and co-payment when Hawai‘i Life Flight provides emergency air medical transportation between the Hawaiian Islands.

    Membership prices start at just $49 per year for seniors, ages 55 and up. Family plans are also available, and cover the applicant, spouse and dependents to age 18 or 23 if full time students.


    For more information, contact Kawika Villa at 808-833-2270, kvilla@hawaiilifeflight.com or visit www.hawaiilifeflight.com.

    Hawai‘i Life Flight is an air ambulance provider serving the Hawaiian Islands, transporting patients from pediatrics to geriatrics. It’s scope of care ranges from cardiac and trauma to neurological and burn patients. This emergency air medical transportation is especially important for Neighbor Island residents who don’t live near major medical centers, Kawika Villa says. “If…

  • 80 Years of Valuable Service

    The Hawai‘i Library for the Blind and Physically Handicapped (LBPH) is part of the Hawai‘i State Public Library System (HSPLS) and the Library of Congress, National Library Service for the Blind and Physically Handicapped (NLS).

    In 1931, the Trustees of the Library of Hawai‘i made a request through Gov. Judd to have the Library for the Blind and Physically Handicapped serve as a depository of Braille books produced under the national program. This was made possible by the signing of the Pratt-Smoot Act by President Herbert Hoover on March 3, 1931. In July 1931, Hawai‘i became one of the original 19 libraries established.

    LBPH provides free services to eligible residents in the State of Hawai‘i and U.S. territories and possessions in the Pacific area. Patrons must be unable to read or use regular print materials due to a visual or physical disability. Certification by a competent authority is required. Books, magazines and special equipment are made available for borrowing.

    LBPH provides books and magazines in audio, Braille and large type formats, as well as trans-cribing and radio reading services.

    The audio book program has seen many changes over the years, from long playing records to cassette tapes to digital technology. Patrons, both adults and children, have been able to enjoy their favorite books and magazines.

    Now, registered patrons can also borrow Digital Talking Book Machines and Digital Books. The smaller lightweight machine has improved digital sound quality and a rechargeable battery.

    Technology has also made it easier for patrons to enjoy the thousands of books available through NLS. Registered patrons can now download books through BARD (Braille and Audio Reading Download). Contact LBPH for more information.

    Large type books are also available to those who have a HSPLS library card. You can apply for a library card at LBPH or any public library.

    The Transcribing Services Section at LBPH produces materials not already available into accessible formats.

    The Radio Reading Service Hawai‘i program allows patrons on Oahu and Maui to listen to selected articles from the Honolulu Star-Advertiser, articles from local publications like Midweek, Longs ads, food ads from the local grocery stores and other programs of interest to our local com-munity. The library can provide patrons with a special radio receiver to enjoy the broadcast over a sub-channel of KHPR, Hawai‘i Public Radio.


    For more information and/or application form, contact the Hawai‘i Library for the Blind and Physically Handicapped:

    • Phone: 808-733-8444
 / Toll-free: 1-800-559-4096 (Neighbor Islands only)
    • Email: olbcirc@librarieshawaii.org
    • Library Hours: 
Mon., Wed., Thurs., Fri.: 8:30 a.m.– 4:30 p.m.
Tues.: 10 a.m.– 6 p.m.
    • Address: 
402 Kapahulu Ave., Honolulu, HI 96815

    The Hawai‘i Library for the Blind and Physically Handicapped (LBPH) is part of the Hawai‘i State Public Library System (HSPLS) and the Library of Congress, National Library Service for the Blind and Physically Handicapped (NLS). In 1931, the Trustees of the Library of Hawai‘i made a request through Gov. Judd to have the Library for…

  • RSVP Goes to the City

    The Retired and Senior Volunteer Program Changes Lives

    PROGRAMS-SERVICES-RSVP-Goes-to-the-City_image1The Retired Senior Volunteer Program (RSVP) has a new family. We are now under the Information and Assistance (I&A) Section of the Elderly Affairs Division (EAD), Department of Community Services (DCS). We also proudly welcome and congratulate Ashley Muraoka as the newly hired director for this great new program. We previously knew her as the coordinator for the Medicare for Participants and Providers Act.

    With the support of the Elderly Affairs Division and under Muraoka’s direction, RSVP will focus on enhancing the lives of older adults. RSVP recruits and matches adults, age 55 and better, with community volunteer opportunities that capitalize on their wisdom, skills and experience. There are more than 450 active volunteers on O‘ahu serving in more than 50 non-profit organizations and public agencies. In 2010, they contributed more than 85,000 hours of service to the community, which amounts to $1.5 million in service. These volunteers vary greatly in age, background, status, ability, interests, ethnicity, and professional and educational level.

    RSVP is currently recruiting volunteers to help meet the most critical needs in our communities. With Hawai‘i having one of the fastest growing elder populations in the nation, we have many seniors who need help and many seniors who can help. RSVP keeps seniors healthy in their own homes with services, such as telephone reassurance, grocery shopping, light housekeeping, meal preparations, respite, transportation, health promotion, and information and assistance outreach. RSVP hopes to make a huge impact in increasing the health, well-being and quality of life of O‘ahu’s seniors.

    PROGRAMS-SERVICES-RSVP-Goes-to-the-City_image2RSVP is also in the process of creating a Senior University. At the university, volunteers will be able to conduct a class or take a class. This will give our volunteers the opportunity to share their knowledge, skills and talents with all generations. We will capture historical and institutional knowledge to enhance our community planning, growth and services.

    The ultimate goal of RSVP is to build capacity in communities across O‘ahu.

    Elite Membership Eligibility:

    • You must be 55 years or better
    • Interested in learning new skills
    • Eager to make a difference in a person’s life

    For information, call 768-7700 or 643-2732.

    The Retired and Senior Volunteer Program Changes Lives The Retired Senior Volunteer Program (RSVP) has a new family. We are now under the Information and Assistance (I&A) Section of the Elderly Affairs Division (EAD), Department of Community Services (DCS). We also proudly welcome and congratulate Ashley Muraoka as the newly hired director for this great…

  • Action Line Serves & Recruits Seniors

    PROGRAMS-SERVICES-Action-Line_image1
    Volunteers at work (L–R): Anni Suzuki, Jeanne McNeil, and Melba Kop

    2012 marks the 25th year of KHON2’s Action Line program. Over the years, the program has fielded thousands of calls, and we all owe many thanks to this valuable community service.

    Action Line is a consumer referral service that assists people in solving a wide variety of problems they have encountered with businesses, service providers and government agencies. It also uses KHON’s resources to inform the community-at-large of relevant consumer issues.

    Staffing is entirely by a dedicated team of volunteers. Volunteers are predominately seniors with a wide diversity of backgrounds and life experiences. Volunteers typically work one day a week from 9 a.m. to 1:30 p.m.

    What they don’t do - they don’t intervene directly on the behalf of consumers. They also do not handle anonymous or third-party complaints.

    How to contact Action Line: Phone lines (591-0222) are open weekdays between 11 a.m. and 1 p.m. Alternatively, consumers can email actionline@khon2.com.

    The Action Line Web site tab is located at KHON2.com, which provides consumers with links that can be used to investigate businesses, file complaints and to gather information on a wide range of topics. Consumer Alerts and links to recent news stories can also be found on the site.

    During 2011, Action Line received two huge awards – the Better Business Bureau’s Ka Mea o Kako‘o Award and the Hawai‘i State Bar Association’s Young Lawyers’ Division Liberty Bell Award.

    Volunteer Solicitation: Action Line is always looking for new phone and office volunteers. Training is provided. For more information, please visit the Action Line tab at KHON2.com or email at Actionline@khon2.com.

    2012 marks the 25th year of KHON2’s Action Line program. Over the years, the program has fielded thousands of calls, and we all owe many thanks to this valuable community service. Action Line is a consumer referral service that assists people in solving a wide variety of problems they have encountered with businesses, service providers…

  • Phone Scam Comebacks

    Telemarketing scams have in some cases become more profitable than drug trafficking. Scammers have made millions of dollars by perpetrating over-the-phone schemes.

    Scammers use technology to disguise their locations, telling victims they are calling from federal or state agencies and providing phone numbers with local and United States area codes. The con artists hold out the promise of a sweepstakes, lottery or other winnings but ask for taxes and other fees up front.

    Fraudulent telemarketers use five basic techniques:

    Scarcity: The senior has been identified as the grand prize winner, but if the senior doesn’t accept the prize immediately (and pay that “handling charge”) the runner-up will get the prize instead.

    Hype: The telemarketer screams and hollers about how excited he is that the senior has won.

    Authority: The telemarketer passes the phone to his “boss,” so his target will know the offer is “legitimate.”

    Reciprocity: The telemarketer explains that she won’t receive her commission unless the senior accepts the prize and pays the handling fee. When the senior protests that he doesn’t have enough money to pay the fee, the scammer asks how much he can afford, and says she’ll accept that smaller amount, just because she’s so happy the senior has won the prize.

    Phantom Fixation: The prize is too good to pass up, and the targeted senior becomes fixated on it.

    Con artists will change from one persuasion tactic to the next, if necessary. Hawai‘i’s Better Business Bureau (BBB) offers a few tips to help seniors deal with prize telemarketers.

    Tip #1: Never give personal information, such as bank account or social security numbers, to anyone over the phone, unless you initiated the call and know you’ve reached the right agency.

    Comeback: “I don’t give out personal information over the phone. I’ll contact the company directly.”

    Tip #2: Don’t believe it if the caller tells you to send money to cover the “handling charge” or to pay taxes.

    Comeback: “I shouldn’t have to pay for something that’s free.”

    Tip #3: “Limited time offers” shouldn’t require you to make a decision on the spot.

    Comeback: “I’ll think about it and call you back. What’s your number?”

    Tip #4: Be suspicious of anyone who tells you not to discuss the offer with someone else.

    Comeback: “I’ll discuss it with my family and friends and get back to you.”

    Tip #5: If you don’t understand all the verbal details, ask for it in writing.

    Comeback: “I can’t make a decision until I receive written information.”

    Practice these comebacks with your friends and family. Also, tell telemarketers to take your name off their call list. If the telemarketers don’t, they’re breaking the law. Sign up for the National Do Not Call Registry at www.donotcall.gov to stop telemarketers from calling.

    bbb - sponsor logo

    Telemarketing scams have in some cases become more profitable than drug trafficking. Scammers have made millions of dollars by perpetrating over-the-phone schemes. Scammers use technology to disguise their locations, telling victims they are calling from federal or state agencies and providing phone numbers with local and United States area codes. The con artists hold out…

  • Uplifting Choices

    A Gift of Remembrance

    Uplifting Choices- Generations Magazine - October - November 2011Have you ever owned something that became a prized possession? One of our donor’s fathers, a retired truck driver named John, purchased a new Lincoln Town Car years ago. For John, the Town Car was a special vehicle, a possession he delighted in maintaining as well as driving. For his daughter, Jodi, a kidney transplant recipient, it came to be a special car, too. Jodi suffered from a disease that damaged her kidneys. John drove Jodi to her doctor’s office and dialysis facilities for 15 years. That Town Car ended up being the place where father and daughter bonded.

    Jodi had to say goodbye to her father a few years ago when he passed away at the age of 80. The Town Car became a symbol of her relationship with her father—one she was reluctant to give up until the engine finally failed.

    Since the Town Car was literally the vehicle that her father used to support her during her illness, she decided to help other kidney patients by donating it to the National Kidney Foundation’s “Kidney Cars” program in his memory.

    If you have a vehicle that you’d like to gift to the National Kidney Foundation, it accepts running and non-running cars.

    National Kidney Foundation - Generations Magazine - October - November 2011The mission of the National Kidney Foundation of Hawai‘i is to prevent kidney and urinary tract diseases. It also improves the health and well-being of families affected by these diseases, and increases the availability of all organs and tissue for transplantation in Hawai‘i.

    The mission of the National Kidney Foundation of Hawai‘i is to prevent kidney and urinary tract diseases. It also improves the health and well-being of families affected by these diseases, and increases the availability of all organs and tissue for transplantation in Hawai‘i.

    A Gift of Love

    Who in your life needs a gift?

    A charitable gift, such as a gift annuity, can honor a loved one and secure his or her future.

    You can fund a gift annuity with National Kidney Foundation of Hawai‘i that will provide a lifetime of payments to your loved one no matter how long he or she lives. The payments are fixed and will never change no matter how the stock market, real estate market, or any other aspect of the economy performs. The payments continue for life.

    After a lifetime of payments, the gift annuity will be used for our mission in Hawai‘i as a legacy to you and to your loved one.


    To learn more about charitable giving, and discover the potential tax benefits, please contact:

    Jeffrey Sisemoore, JD, Director of Planned Giving and Major Gifts, National Kidney Foundation of Hawai‘i 589-5976, www.kidneyhi.org.

    National Kidney Foundation Logo

    A Gift of Remembrance Have you ever owned something that became a prized possession? One of our donor’s fathers, a retired truck driver named John, purchased a new Lincoln Town Car years ago. For John, the Town Car was a special vehicle, a possession he delighted in maintaining as well as driving. For his daughter,…

  • Exclusive Care for Kupuna

    Kupuna Concierge offers a very effective approach to senior care at home. The beauty of seniors living at home is that they can keep and enjoy the lifestyle they spent decades perfecting.

    Sometimes all it takes to remain independent is a little day-to-day help. Kupuna Concierge provides personal assistants who help with errands, transportation, meals, household chores and personal care. It also offers short-term care when kupuna require assistance during an illness, after surgery, or when their family is away.

    At Your Service

    Kupuna Concierge helps seniors benefit from a vibrant, social and active daily life. Clients enjoy a variety of innovative activity and wellness programs, including technology education, arts and crafts classes, and health and wellness programs.

    A Legacy of Care

    Kupuna Concierge is O‘ahu’s trusted source of service. It has established quality assurance standards from the Council on Accreditation. It is a program of Child & Family Service, a private non-profit, dedicated to strengthening families since 1899. Child & Family Service has been serving the needs of Hawai‘i’s kupuna for more than 30 years.

    Its personal assistants are highly trained in the latest senior care programs. They are bonded, and have passed an extensive background screening.

    Unparalleled hospitality to support a variety of lifestyle choices, Kupuna Concierge provides some of the finest services that support quality senior living.

    For more information: 543-8423, kupunaconcierge@cfshawaii.org, www.childandfamilyservice.org

    Kupuna Concierge offers a very effective approach to senior care at home. The beauty of seniors living at home is that they can keep and enjoy the lifestyle they spent decades perfecting. Sometimes all it takes to remain independent is a little day-to-day help. Kupuna Concierge provides personal assistants who help with errands, transportation, meals,…

  • Hunting for a prescription drug plan . . . is no game

    It’s that time of year again.

    “Open season” is right around the corner for the Medicare Part D prescription drug plan. Hunting down the best plan for you is no game. Newly eligible Medicare beneficiaries, and current beneficiaries who are considering changes to their Medicare Part D plan should mark their calendars for October 15. The “open season” will run from October 15 to December 7.

    The Medicare Part D prescription drug program is available to all Medicare beneficiaries to help with the costs of medications. Joining a Medicare prescription drug plan is voluntary, and participants pay an additional monthly premium for the coverage.

    While all Medicare beneficiaries can participate in the prescription drug program, some people with limited income and resources also are eligible for Extra Help to pay for monthly premiums, annual deductibles and prescription co-payments. The Extra Help is worth about $4,000 a year.

    To figure out whether you are eligible for the Extra Help, Social Security needs to know your income and the value of any savings, investments and real estate (other than the home you live in). To qualify, you must be receiving Medicare and have:

    • Income not over $16,335 for an individual or $22,065 for a married couple living together. Even if your annual income is higher, you still may be able to get some help with monthly premiums, annual deductibles and prescription co-payments. Some examples where your income may be higher include if you or your spouse:
      • Support other family members who live with you;
      • Have earnings from work; or
      • Live in Alaska or Hawai‘i; and
    • Resources not over $12,640 for an individual or $25,260 for a married couple living together. Resources include such things as bank accounts, stocks and bonds. We do not count your house or car as resources.

    You can complete an easy-to-use online application for Extra Help at www.socialsecurity.gov. Go to the Medicare tab on the top of the page. Then go to “Apply For Extra Help With Medicare Prescription Plan Costs.” To apply for the Extra Help by phone or have an application mailed to you, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) and ask for the Application for Extra Help with Medicare Prescription Drug Plan Costs (SSA-1020).

    And if you would like more information about the Medicare Part D Prescription Drug Program, visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).

    So this open season, from October 15 to December 7, after you track down the perfect prescription drug plan for you, hunt for something that could put about $4,000 in your pocket — bag the best Medicare prescription drug plan for you and see if you qualify for the Extra Help through Social Security.

    It’s that time of year again. “Open season” is right around the corner for the Medicare Part D prescription drug plan. Hunting down the best plan for you is no game. Newly eligible Medicare beneficiaries, and current beneficiaries who are considering changes to their Medicare Part D plan should mark their calendars for October 15.…

  • Five Ways Not to Fall

    Stan Michael - Generations Magazine - October - November 2011Falling down is nothing new. We have been doing it all our lives. We fell as infants, as kids, as teenagers and even, awkwardly, as adults. The price for an active, healthy life has been an occasional fall and normally it is no big deal. When young and strong, you fell and “bounced” right back up. It’s a different story, though, for older adults. Any fall can be very serious.

    Older adults don’t “bounce” anymore … and the result is normally injury. Every five hours in Hawai‘i a senior is injured so severely in a fall he/she must be treated in a hospital. Every five hours. Many of those seniors require extensive rehabilitation, and many never return to their own home after a fall. The loss of independence is immediate.

    But people don’t fall simply because they’re older. We fall for a reason. Perhaps you didn’t notice the dip in the sidewalk because you were talking on your cell phone. You didn’t notice the dog’s toy in the hall because you had your eye on your grandchild. Or even though you know better, you moved too quickly on the slippery bathroom floor. And maybe, as an older adult, you fell because you got dizzy from being tried, or from moving too fast or even from your medications.

    Protect your independence.

    Five ways to prevent falls:

    1. Be active and stay fit: Walk, dance, swim, do yoga, garden or start an exercise program like tai chi. Keep moving to maintain your muscle strength and sense of balance.
    2. Ask your doctor or pharmacist to review all of your medicines. If you take multiple prescriptions, plus other over-the-counter drugs and supplements, they could make you sleepy or dizzy.
    3. Have your eyes checked at least once a year. The doctor can update your eyeglass prescription and check your eyes for glaucoma or cataracts that limit vision.
    4. Make your home safer by removing things you can trip over like papers, books and other clutter. Install handrails on all staircases, and mount grab bars next to your toilet and in the tub or shower. Improve your home’s lighting. As you get older, you need brighter lights to see well.
    5. Stay off the roof and out of trees. Every year, dozens of Hawai‘i residents try to harvest fruits and end up in the emergency room. Never climb a ladder alone. Always have a family or friend hold the ladder, or ask a younger family member to get that last mango.

    For more information, call: Hawai‘i Department of Health, Injury Prevention Program at 733-9202 or 733-9320.

    Falling down is nothing new. We have been doing it all our lives. We fell as infants, as kids, as teenagers and even, awkwardly, as adults. The price for an active, healthy life has been an occasional fall and normally it is no big deal. When young and strong, you fell and “bounced” right back…

  • AARP: Saving Money on Prescriptions – Ask for Generic Drugs

    Usually when a doctor prescribes a medication during an appointment, we take the prescription slip and head for the door. But a savings-savvy patient will pause and ask, Is there a generic version? This simple question may save you hundreds, even thousands, of dollars a year.

    Take Zocor, a popular drug that treats high cholesterol, for example. According to the Consumer Reports Best Buy Drug report at www.aarp.org/drugsavings, an average monthly cost for 10 mg of Zocor is $106. But, Simvastatin, the generic version of Zocor, costs only $36, saving you $70!

    Even if you have health insurance with drug coverage, generics can save you money. A generic drug has the same active ingredients as the brand-name version and works just as well for nearly all patients. A generic drug can look different from its brand-name counterpart, but the Food and Drug Administration will only approve generic drugs that have the same strength, effectiveness and quality as their brand-name equivalents.

    Here are some tips to take advantage of lower cost generics:

    For a new prescription:

    • Ask your doctor if there is a generic drug option.
    • Request that your doctor writes, “dispense generic” on your prescription.
    • Double-check with your pharmacist that you have received the generic drug when you get your prescription filled.
    • Keep an updated list of your medications so your doctor can check for interactions. If you do not have a medication list, download a form from www.aarp.org/medicationrecord and start yours today.

    For an existing prescription:

    • Visit the Drug Savings Tool at www.aarp.org/drugsavings to find information about the safety, effectiveness and price of your prescription drugs, directly from the Consumer Reports Health Best Buy Drug database.
    • If you have Medicare, use the Doughnut Hole Calculator at www.aarp.org/doughnuthole to learn how to avoid the coverage gap, or doughnut hole, where you have to pay all your prescription costs. Print a letter and give it to you doctor for each medi-cation option that may save you money. Also, because of the Affordable Care Act, Medicare Part D recipients who reach the coverage gap will now get a 50 percent discount on brand-name prescription drugs and a 7 percent discount on the lower cost generic medications.
    • Be on the lookout for more generic drug choices. Over the next 14 months, seven of the 20 best-selling drugs, such as cholesterol medication Lipitor, and blood thinner Plavix, will have generics for the first time. Be ready to discuss your options with your doctor.

    Usually when a doctor prescribes a medication during an appointment, we take the prescription slip and head for the door. But a savings-savvy patient will pause and ask, Is there a generic version? This simple question may save you hundreds, even thousands, of dollars a year. Take Zocor, a popular drug that treats high cholesterol,…

  • Building Houses, Building Hope

    Habitat for Humanity - Generations Magazine - October - November 2011When Lehua Fuller first showed her Waimanalo home to Honolulu Habitat for Humanity staff, they were amazed. She had managed to raise 12 children in her four-bedroom plantation-style home, which was in grave disrepair. There were holes in the floor and roof, severe termite damage and problems with the electrical and plumbing. In Honolulu, Wallace Bailey, a disabled retired veteran, and his wife Frances, decided to contact Habitat for Humanity for help after living in their dilapidated home in Papakolea since 1962. And, JT and Thelma Vasconcellos, a retired couple living in their 60-year-old home in Waialua, knew that their home needed more work than they could afford. Thanks to their partnership with Honolulu Habitat for Humanity, construction started on the Fuller and Bailey homes in July, and JT and Thelma Vasconcellos moved into their new Habitat home in April 2011.

    Since 1988, Honolulu Habitat has been partnering with low-income families to provide simple, decent homes in Hawai‘i. It has built 65 homes on O‘ahu. Habitat builds homes with hundreds of skilled and unskilled volunteers who provide the majority of the construction labor. This vibrant, volunteer focused organization serves the sector of the population that faces the greatest challenge achieving homeownership — families that earn between 30% and 60% of the area median income. For the City & County of Honolulu, the 60% of area median income for a family of four is $59,550.

    Many partner families are employed, yet are unable to qualify for a traditional mortgage to build or buy a safe, decent home. Other partner families are retired and living on a fixed income. To further serve these families, Habitat also becomes the mortgage company for partner families, selling the homes to them at no-profit and 0% interest, making mortgage payments affordable.

    Prior to partnering with Habitat, many residents live in substandard structures. These homes are unsafe, termite-eaten and damaged by water or wind. Honolulu Habitat enables partner families to provide a safe home to raise their children and care for their elders, breaking the cycle of poverty housing on O‘ahu. The community benefits by coming together to volunteer for a common cause — to partner with a low-income family to build a simple, decent home they can afford to buy.

    To apply for a Habitat home, make a donation or volunteer for Honolulu Habitat for Humanity, visit www.honoluluhabitat.org or call 538-7070. Volunteers are welcome. Help is needed to build, provide lunches for volunteers and support the office.

    When Lehua Fuller first showed her Waimanalo home to Honolulu Habitat for Humanity staff, they were amazed. She had managed to raise 12 children in her four-bedroom plantation-style home, which was in grave disrepair. There were holes in the floor and roof, severe termite damage and problems with the electrical and plumbing. In Honolulu, Wallace…

  • The Future of Estate Tax

    You have spent a lifetime of earning, saving and investing — and paying income and capital gains taxes all the way along. So you may wonder why our government feels entitled to tax the value of everything that’s left when you die. The sad fact is, however, that the IRS and the State of Hawai‘i are going to want a piece of your estate.

    In fairness to our government, the estate tax law currently provides sizable exclusions from the estate tax. Hawai‘i allows the first $3.5 million of your estate to pass tax free, and the U.S. is a bit more “generous.” The Federal exclusion is $5 million for 2011, and it will be adjusted for inflation (presumably upward) in 2012, so that it will be some number in excess of $5 million. Ok, since many of us don’t own house multi-million homes, you may think you’re safe … but read on.

    What the exclusions mean is that if a Hawai‘i resident dies in 2011 or 2012 with an estate valued at no more than $3.5 million, there will be no Federal or Hawai‘i estate tax. If the estate is worth between $3.5 million and $5 million, there will be Hawai‘i estate tax, but no Federal estate tax. Once the estate exceeds $5 million, both Hawai‘i and the IRS will take a bite out of the estate.

    The Hawai‘i tax is charged at effective rates that begin at 9.6% for estates that exceed $3.5 million, and they range up to 16% for estates worth in excess of $10,040,000. The Federal rate is currently a flat 35%.

    But then a funny thing happens in 2013. The Hawai‘i rules are currently set to stay the same, but the Federal rules are scheduled to change radically. In 2013, the Federal exclusion will drop from $5 million to $1 million, and the tax rate will soar from 35% to 55%. RED ALERT! A $5 million exclusion means most of us are safe from Federal estate tax, but a $1 million exclusion means that most of us who own a house and have a retirement plan and some life insurance need to be concerned about what will be left for our loved ones after the tax man takes his piece.

    In the midst of all of this, the winds of legislative change are swirling. Among other changes, the Hawai‘i legislature is considering whether the Hawai‘i exclusion should match the Federal exclusion (whatever it happens to be at the time), and Congress is considering whether to set the exclusion at $3.5 million (at least until the next round of changes).

    At this point, the only thing we can be sure of is that we can’t be sure of what the rules are going to be in two years. This makes planning difficult, but not impossible. The uncertainty highlights the fact that we have to stay on top of our estate plans and make sure that they stay current with changes in the law so our loved ones don’t end up paying tax that could have been avoided.

    If you have not updated your estate plan within the past year, it is time for you to consult your estate planning advisors to make sure your plan will work as intended. Even if your plan is current as of now, beware that imminent changes to the law may make it obsolete in the very near future.

    You have spent a lifetime of earning, saving and investing — and paying income and capital gains taxes all the way along. So you may wonder why our government feels entitled to tax the value of everything that’s left when you die. The sad fact is, however, that the IRS and the State of Hawai‘i…