Category: Aug-Sept 2017

  • August – September 2017

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    Ukulele master and recording artist Roy Sakuma

  • Pour on Laughter, Love & Hope

    Pour on Laughter, Love & Hope

    by Katherine Kama‘ema‘e Smith
    Cover & feature photography by Brian Suda

    It is said, “love conquers all.” And the riveting story of Roy Sakuma’s life and his outreach to at-risk youth proves that the lasting power of love can heal hearts and change minds.

    We all recognize Roy as the ‘ukulele master artist and teacher who founded the annual ‘Ukulele Festival Hawaii that recently celebrated 47 years at Kapiolani Park. Roy also hosts the popular concert series every summer surrounded by the animals at the Honolulu Zoo stage. He and his wife, Kathy, run four music studios where kids and adults learn the joy of playing ‘ukulele. Today, you will learn how Roy came to be Hawai‘i’s foremost ‘ukulele teacher and proponent of the instrument, and the powerful role love has played in his success.

    I Want to Play That Song

    In the 1960s, before Jake Shimabukuro or Israel Kamakawiwo‘ole, the ‘ukulele was regarded by most people as a novelty, according to Roy. Aside from virtuosos Herb “Ohta-San” Ohta and Eddie Kamae, the little Portuguese instrument was popular at the beach and backyard parties but seldom featured by Hawai‘i’s serious musicians, who preferred guitar, steel guitar, piano and even vibes. Mainland rock and roll was king, with electric guitar, bass, saxophone and lots of drums.

    Roy Sakuma and Ohta-San performing together at the 39th Annual ‘Ukulele Festival in 2009.
    Photography by Wendal Au.

    “One weekend, I was riding in an older kid’s car and heard Ohta-San playing Sushi on the radio,” said Roy. “I fell in love with the song. A couple of days later, I saw a classified ad for ‘ukulele lessons with Ohta-San and went right over.

    “Playing the ‘ukulele grabbed me,” Roy said. “After 18 months, Ohta-San encouraged me to go on my own. He said that he had taught me what it took him five years to learn and the rest was up to me. ‘Go out and develop your own style,’ he said. So, I kept playing and the better I got, the more I realized how great my teacher was.”

    “Ohta-San encouraged me to go on my own. ‘Go out and develop your own style,’” he said.

    Roy soon began helping out at Ohta-San’s studio every weekend. When Ohta-San booked a two-week concert tour in Japan, he asked Roy to teach in his absence.

    “I cannot teach,” answered Roy.

    “Just do what I do,” said Ohta-San.

    Roy was just 18 and he practiced all week to stand up in front of 25 adult students.
    “I was very nervous until I began; then, the words just spilled out,” said Roy. “After Ohta-San returned, he asked me, ‘How did you like teaching my students?’ When I said I loved it, he told me to keep teaching them. Ohta-San continued his stellar performing career here and in Japan. And me — wow — after that, all I wanted to do was teach!”

    Roy opened Roy Sakuma Ukulele Studios in 1974 and ran his own classified ad. Over 40 students signed up; four were youngsters — Jason Mitsunaga, Dean Guzman, Milton Chun and Michael Ganab.

    “I wanted these kids to have fun so we started a group called ‘The Termites,’” Roy said. “They were terrific young musicians, and their success and Orange Exchange TV commercial inspired children to learn the ‘ukulele. That grew into four studios and now we are teaching the kids or grandkids of our early students. At our studios, we not only teach music but we also teach love and respect. We care about our staff, and mentor them to treat the students with the same love and respect they receive from us. My philosophy is to put love on top of everything.”


    Sad Hanabata Days

    This joyful man with a deep abiding faith in the power of love, who mentored generations of ‘ukulele players, said he never understood love until he was in his 20s. When Roy was a child, his family struggled with mental illness and isolation. His mother suffered from schizophrenia. His father cared for her at home. A burdened but faithful provider, he overcome his sadness every evening at a local bar. Roy’s older brother also developed schizophrenia and once attacked Roy with a kitchen knife. “I remember sitting at the table watching my mother and brother talking to themselves. My daydreams gave me hope. There was little to eat, except sandwiches my father brought home from the tavern. The one bright light was my older sister, Faye, who was always there to watch over and protect me.”

    Roy was born in 1947. One of his ears was half normal size. Adults would snicker at him and school children would ask, “What’s wrong with your ear?” When he asked his mom, she told him “Blame Buddha for making you like this. Look at all the people; they don’t like us.”

    He became paranoid about his ear and avoided school. “When you are not in school, you find trouble. At age 6, I began smoking. At nine, I was drinking beer. Bad habits lead to mischief.”

    Like most children, Roy was very honest. He told his dad that he was drinking. His father disapproved and punished him, but Roy continued smoking and drinking.

    By age 10, Roy said he was holding “little balls of hurt” inside him. He learned how to tease other kids — to crush them with words and insults before they could make fun of him. “My best friend asked me, ‘Why do you always tease me? Roy, your words hurt!’ That comment hit me hard. I knew how much words hurt me, and apparently my own words also carried anger and hurt. I was amazed to find that after I had stopped teasing my friend, he stopped teasing me. Words turned out to be more horrible than I had imagined. This new knowledge also held a threat. If it is true that ‘What goes around, comes around,’ then a lot was going to come back to me.”

    Still, his sister, Faye, was there for him. Roy recalls one of his fondest memories of their childhood: “When Faye was in the ninth grade, she went to her first social dance at a girlfriend’s house and gave me the number in case I needed her. Being alone at home, I started crying and called her. She came home to be with me. It’s a treasured moment that I have never forgotten.”

    “From ages 10 to 15, I was convinced that it was impossible for me to fit in,” said Roy. “Full of hurt, I thought maybe I should have been born on Mars so that I could live all alone — by myself. My behavior became reckless. I didn’t like my life. Flirting with suicide touched my stone-cold emotions and offered brief relief for my pain. One day, I took a dare to swing on an old withered vine hanging off a big old monkeypod tree. The tree grew on the edge of a 200-foot cliff. I grabbed the vine and jumped off the cliff. Suddenly, I could not feel the vine in my hands anymore and I got scared. When the kids pulled me in, I was hyperventilating. I will never know what made that stunt different from all the others, but it made me stop doing things to put my life in danger… but I was still hurting inside.”

    Roy and Kathy’s first annual ‘ukulele festival opened in Kapiolani Park in 1971. Since then, the ‘ukulele has been brought back into the mainstream of entertainment and the festival has reached popularity worldwide.
    Roy and Kathy’s first annual ‘ukulele festival opened in Kapiolani Park in 1971. Since then, the ‘ukulele has been brought back into the mainstream of entertainment and the festival has reached popularity worldwide.

    “I didn’t finish high school, but at age 20, I was lucky to get a job as a groundskeeper at Kapiolani Park,” said Roy. “I was so grateful for that job and did all they told me — and more. Working hard was never a problem. I liked working alone; hand-raking the whole park was my favorite job. Of course, I had learned social behavior — smiling, joking and nice teasing, but inside I was insecure and hurting. I never talked down to others because I didn’t want them to speak badly about me; instead, I bit my lip to protect myself. I never spoke of feelings or love. I did not know what the word ‘love’ meant. Even as I was still struggling with a crushed spirit. I picked up my ‘ukulele and a tune spilled out:

    I am what I am;
    I’ll be what I be
    Look, can’t you see
    that it’s me, All of me

    Copyright: Roy Sakuma Productions, 1970

    “This song would become a theme for my life,” said Roy. “Once we doubt who we are and forget that we are special, bad things can happen.

    Love is Patient and Kind

    “In my early 20s, I met Kathy, the first girl I ever wanted to date,” said Roy. “I got up my nerve to ask her out to see the Harlem Globetrotters, who were coming to town. Thank goodness for the Globetrotters!

    “From then on, Kathy and I dated once every couple of weeks, and I wanted to hold her hand, but I was afraid for her to touch me,” Roy admitted. “Hugging and other expressions of love were foreign to me and scared me. One time, we attended the Punahou Carnival, and to avoid getting separated in the crowd, I had to grab her hand. Holding hands wasn’t so scary after all.

    “At our studios, we not only teach music, but we also teach love and respect.”
    “At our studios, we not only teach music, but we also teach love and respect.”

    “A year later, I told her that I loved her and asked her to marry me,” Roy said. “She said, ‘yes!’ I went home so happy. But the next morning, I woke up crying — I knew that I must let her go. I didn’t deserve her and she would be better off without me. This love thing was beyond me.

    “The next day, I asked her to meet me,” said Roy. “I asked her to please listen. I told her the truth about my fears — that my ear makes me hate looking in the mirror when I comb my hair, that I am paranoid and hate to see my body , that I am so ugly I don’t belong here; I am so ashamed that I could never make her happy.

    “My philosophy is to
    put love on top of everything.”

    “Kathy listened. I did not want her to pity me; I wanted her to walk away and find a better man. Finally, she said, ‘I don’t see these things as your weaknesses. I see them as your strengths.’

    “I was stunned. I just told her all my imperfections and failings — and she still loves me! Her love released me from the prison of my pain. It was like a gust of wind that cools the face. I had shared everything with her, and I could never go back there by myself. She loved me! Her love allowed me to reveal everything and to heal.”

    Soon they married and became a team.

    Love Rejoices in Truth

    Since 2007, Roy Sakuma has been sharing his story with elementary and high school students — not as a music teacher — but as an inspirational speaker. His deep, intimate message touches youths who might be hurting like he was — troubled, isolated from their families, or struggling with thoughts of suicide. Roy doesn’t offer them advice; he doesn’t criticize their ideas or behavior. His story strikes a familiar chord.

    “When I share my story, I ask kids who are hurting to raise their hands,” said Roy. “Hands go up and it is their way of reaching out.”

    They recognize that he endured deep hurt and can understand their pain. They listen because he does not pity them. Instead he offers them the same key that unlocked his chains — love. And he points them to the richest source of love, their parents and teachers.

    Listen With Love

    Roy’s message of love over hurt is not only for youth but also for adults.

    “Once kids fill up with hurts and shut down, responsible adults that they respect can help,” said Roy. “Adults can listen to them with love — with an open heart and mind.

    “Kids really want to talk to their parents, but they are so afraid,” Roy continued. “They think that their parents are not interested, won’t listen or don’t understand them. Kids believe their parents: ‘won’t understand me, don’t love me, ignore me, don’t care, always get mad at me…’

    “Parents often compliment and criticize their kids in the same breath. ‘Kimo, you did a great job, but…’ A hurting kid who can’t process their feelings will reject your encouragement as soon as they hear ‘but.’ They are bursting with so much hurt that they have difficulty seeing beyond it. Try giving compliments and then just listening.”

    Love Endures All Things

    “If you found a good way to deal with your feelings, share that with your kids,” said Roy. “Help them process their feelings with family and other trusted adults. Most of all, recognize that your child’s feelings are real and honest.

    “Love your teens with the same unconditional love and forgiveness you gave them when they were 1-year-old toddlers. Parental love is forever. Put love on everything before you say it.

    “In our music studios, we teach with love,” said Roy. “‘Ukulele music takes away stress and music crosses all emotional barriers. For some, the lesson is the highlight of their week. For us, it is an opportunity to share love, laughter and hope.”


    ROY SAKUMA ‘UKULELE STUDIO
    3555 Harding Ave., Honolulu HI 96816
    808-732-3739 | www.roysakuma.net

      

     

    It is said, “love conquers all.” And the riveting story of Roy Sakuma’s life and his outreach to at-risk youth proves that the lasting power of love can heal hearts and change minds.

  • Part III: Sounds Too Good to Be True?

    By Scott Spallina, Senior Deputy Prosecuting Attorney

    In the last two issues of the magazine, I shared the lessons about elder abuse that I learned from the experiences of my mother-in-law, “Mary.”

    As I have mentioned before, tragedies are the fuel for many a con and when my father-in-law had his stroke, my family nearly learned this lesson the hard way. Feeling overwhelmed by the magnitude of caring for another person 24/7 and the astounding costs of hiring care, Mary did what many people in her situation do — she tried to find ways to ease the burden and reduce care costs. For Mary, this meant hiring a caregiver from Craigslist. It is from this website — where anyone can post anything without any type of verification or assurances that the services or products advertised are legitimate — that Mary found a person claiming to be a caregiver. However, it was discovered that this person was a scam artist who would come into a home, slip and fall and sue the homeowner. Fortunately, this was discovered before any con was enacted.

    At another time, my wife and I drove home to find Mary in her car patiently waiting to speak with her daughter. After a lengthy discussion, my wife came inside and revealed what was so important to Mary.

    My mother-in-law was just informed that one could invest in the Iraqi currency (dinar) and make millions of dollars when their country became a world power. A “close friend” of hers gave her this information, but only if she promised to keep it a secret. Fortunately, she told my wife, who, in turn, told me. In less than 10 minutes, I found countless warnings on the internet from the FBI about the “dinar investing scam.” This was a typical scam — one that promised great wealth only if you kept it secret from those who could tell you the truth.

    In recent years, Mary got involved in a scheme to get free homes from banks that were “acting unconstitutionally.” Once again, this scam began with a charismatic speaker holding information seminars about “our freedoms.” The speaker told attendees that banks don’t really own your house — therefore, you don’t have to pay your mortgage… Long story short, for two years, based on this erroneous information that cost thousands of dollars, my mother-in-law didn’t pay her mortgage. As a result, the bank started foreclosure proceedings against her. Mary was very close to losing her home.

    Many victims of elder abuse are just like my mother-in-law — smart, loving and filled with a desire to care for their loved ones. They are not victims because of their greed; they are victims because they believed the promises that assured them that their loved ones would benefit and be taken care as a result of the bounty they acquired through special “opportunities.”

    As is evidenced by my mother-in-law’s many experiences, if an opportunity sounds too good to be true, it is. Always seek advice from professionals and trusted loved ones about get-rich-quick money and property schemes. And never make an emotional decision that involves money.


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

    By Scott Spallina, Senior Deputy Prosecuting Attorney In the last two issues of the magazine, I shared the lessons about elder abuse that I learned from the experiences of my mother-in-law, “Mary.” As I have mentioned before, tragedies are the fuel for many a con and when my father-in-law had his stroke, my family nearly…

  • The Importance of ‘The Conversation’

    By Stephen B. Yim, Attorney at Law

    I often stare, somewhat embarrassed, at my creation of legal documents on behalf of my clients — especially after I explain my role — to clearly speak clients’ intentions at a time when they can no longer speak. Inevitably, the black and white legal documentation looks nothing like what my clients expressed to me as their most important hopes, wishes and goals.

    Lawyers often believe that the form is most important — that somehow the clarity of the written legal word will communicate clients’ heartfelt wishes. However, no matter how artfully written, the form cannot stand alone in transferring intention. The written word is a static, stable, constant form of communication. This might work in and of itself if expressing a non-changing, fixed element, such as a mathematical constant. However, we live our lives in process, change, multi-dimension, complexity and emotion.

    The legal documents we prepare do serve an important functional purpose. They explain who, how, when and what to do. Alone, they don’t express the meaning and intention underlying the plan. “The Conversation” provides the meaning — the “why”— and builds empathy and a deep understanding of the maker’s intentions.

    Research shows that more than 70 percent of estate plans fail; failing defined as intentions not being honored. Research also bears out that process-oriented conversation provides the “solution.” When families actively engage in conversation, this failure rate decreases considerably.

    Family meetings are an integral part of the process, so engage in “The Conversation”— soon.


    Stephen B. Yim, Attorney at Law
    2054 S. Beretania St., Honolulu HI 96826

    808-524-0251 | stephenyimestateplanning.com

    By Stephen B. Yim, Attorney at Law I often stare, somewhat embarrassed, at my creation of legal documents on behalf of my clients — especially after I explain my role — to clearly speak clients’ intentions at a time when they can no longer speak. Inevitably, the black and white legal documentation looks nothing like what my clients expressed…

  • A Recipe for Family Disaster

    by Scott A. Makuakane, Counselor at Law, Est8Planning Counsel LLLC

    Ingredients

    • 1 part  No estate plan established
    • 1 part  No family discussion

    Directions

    • Mix vigorously, bringing it to a boil. Add unexpected ingredients to totally complicate things…
    • Serves an entire family… to its end.

    A recent survey conducted by Chicago-based BMO Wealth Management confirmed that most Americans do not have estate plans, and those who do, do not discuss them with their loved ones. For a variety of reasons, both of these facts generate many avoidable problems that undermine family harmony.

    According to the BMO survey, 52 percent of Americans do not have a will, much less a revocable living trust-based estate plan. Thus, most families must grapple with things like court proceedings and uncertainty about what to do when a loved one dies or becomes incapacitated. The survey also found that many of the people who do have estate plans do not discuss them with their children or other family members. This can result in surprises that erupt into family battles.

    One of the most significant findings of the survey was that 40 percent of the time, beneficiaries feel that their parents’ estate plans were unfair. And when children believe that their parents’ estate plans are unfair, you have the basic ingredients for a fight that will only serve to enrich a small army of lawyers.

    Avoiding litigation between your children after you are gone can be as simple as having an estate plan and then discussing your plan with them. If your children understand the thinking behind your estate plan, they may not agree with it, but they will be less likely to challenge it after you are gone.

    Often, having a family meeting about your estate plan facilitated by an experienced mediator can bring potential problems to light and also resolve them, thereby avoiding future conflict. There are many organizations and qualified mediators who can assist in this process. One organization is The Mediation Center of the Pacific (www.mediatehawaii.org), which provides “high-quality mediation and dispute resolution services that are affordable and accessible” (see Generations Magazine’s Apr/May 2017 issue).

    So, remember that having an estate plan will be a tremendous help to your loved ones as life’s inevitable transitions occur. Making sure that your family understands and supports your plan will stem bad feelings and future legal battles.


    SCOTT MAKUAKANE, Counselor at Law
    Focusing exclusively on estate planning and trust law.

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

    by Scott A. Makuakane, Counselor at Law, Est8Planning Counsel LLLC Ingredients 1 part  No estate plan established 1 part  No family discussion Directions Mix vigorously, bringing it to a boil. Add unexpected ingredients to totally complicate things… Serves an entire family… to its end. A recent survey conducted by Chicago-based BMO Wealth Management confirmed that…

  • Don’t Wait to Save for Retirement

    By Michael W. K. Yee, Financial Advisor and Certified Financial Planner

    Saving for — and even thinking about retirement can be overwhelming. While it’s natural to worry about your financial future, be careful not to let preconceived notions prevent you from actively saving for tomorrow. If you find yourself having one of the following doubts, consider reframing your thinking. A perspective shift may be what you need to get on the right track.

    “Retirement is a long way off.” It’s easy to get wrapped up in your current financial obligations, telling yourself that you’ll prioritize your retirement next year. However, like many worthy aspirations, a sound retirement plan takes time and discipline to achieve. If your golden years seem far away, remind yourself of the power of saving early. Time allows you to tackle your retirement goals in smaller increments with the potential for compounded growth. Retirement will likely come faster than you think and your future self will thank you for planning ahead.

    “I’ll prioritize retirement after paying for my child’s education.” With the rising costs of college, it’s understandable and even necessary for you to help your child obtain a quality education. However, your nest egg should be the top priority. Once you reach retirement, you have limited options if your savings come up short. Alternatively, your child can secure financial aid to pay for college, including scholarships, grants, work-study programs and loans. You simply don’t have options like these to help fund your retirement. While retirement deserves the most attention, you can devise a strategy to simultaneously save for both important goals.

    “My retirement dreams are too expensive.” If your dreams of traveling through Europe or starting a new hobby seem expensive, give yourself a reality check. Start by comparing your dreams to your current nest egg. Calculate the amount you need to maintain your lifestyle, cover potential unexpected expenses (such as healthcare) and achieve your retirement bucket list. If your savings come up short, create a plan to fill the gap. Lofty dreams will force yourself to ask the tough question: “Do I want to adjust my current lifestyle to achieve this retirement dream?”

    “I won’t be able to retire when I want.” It’s true that more Americans are working longer and delaying retirement. Some simply prefer to remain active contributors in the workforce, but many others are forced to postpone retirement until they accumulate sufficient resources to retire comfortably. If you dream of retiring early, carefully assess whether your nest egg is sustainable over several decades. You’ll want to make sure the money you withdraw early in retirement doesn’t put you at risk of outliving your assets.

    “I can’t afford to save.” If this phrase comes to mind, give your self-talk a flip. Instead, think “I can’t afford not to save.” Setting aside even a small amount of money each month can make a big difference, as your assets can grow with the benefit of compounding. Consider increasing your monthly contribution to bulk up your nest egg.

    “My family will help me.” Perhaps you’re expecting a generous inheritance or hoping that your adult kids will provide a financial cushion if you experience an unexpected expense. Regardless of who you believe may come to your aid, it’s best to take your financial security into your own hands. Life is full of uncertainties that could impact bank accounts for both you and your family members. Knowing your future is under financial control may give your family peace of mind.

    It’s not too late to correct misconceptions about the importance of saving for retirement. Consider working with a financial advisor to create a plan for your future. Together you can determine your savings targets and explore a wide range of strategies to meet your financial goals. It’s time to talk yourself back in to retirement.


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

    Michael W. K. Yee, CFP®, CFS®, CLTC, 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 30 years.
    Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.
    Ameriprise Financial Services, Inc. Member FINRA and SIPC.
    © 2017 Ameriprise Financial, Inc. All rights reserved. File #1753773

    By Michael W. K. Yee, Financial Advisor and Certified Financial Planner Saving for — and even thinking about retirement can be overwhelming. While it’s natural to worry about your financial future, be careful not to let preconceived notions prevent you from actively saving for tomorrow. If you find yourself having one of the following doubts, consider reframing…

  • Common Misconceptions About Medicaid

    By Daniel Bonilla, MedData Community Medicaid Long-Term Care Coordinator

    The decision to move into a long-term care facility can be a difficult one, especially when it comes to finances. In Hawai‘i, a long-term care facility can cost anywhere from $8,000 to $12,000 a month, which is unaffordable for many families.

    Medicaid’s long-term care coverage — an option that can help — is often overlooked because of common misconceptions about who qualifies and what is covered.

    Here are five misconceptions:

    “I will not be approved because I am not a citizen of the U.S.”

    Generally, people who have been permanent residents of the United States for more than five years or those who are from a nation under the Compacts of Free Association who are 65 or older ARE eligible for Medicaid as long as they are Hawai‘i residents.

    “I make too much money to qualify for Medicaid long-term care.”

    Traditional Medicaid coverage does have an in-come eligibility limit, but there is generally no income limit to qualify for Medicaid long-term care. In fact, the more money you make, the less the state incurs in expenses to pay for your coverage.

    “I can’t have any money in the bank to qualify for Medicaid long-term care.”

    You may have checking, savings and other assets. If you are single, you can qualify with up to $2,000 in assets. If you are married, that amount increases significantly to $119,220 in joint assets.

    “I’m over the asset limit; I own my home.”

    Owning a home does not disqualify you from receiving Medicaid long-term care. There are many factors that contribute to whether or not the value of your property will be included in your eligible asset limit, such as its total value or if you still have an outstanding mortgage on your home.

    “I will lose my home if I obtain Medicaid long-term care.”

    If you are approved for Medicaid long-term care, the state may put a lien on your home but this does not mean that you will lose it. The circumstances that determine whether the state can or cannot place a lien on your property will vary. For example, if your spouse is currently living in the home, a lien cannot be placed on your property.


    MEDDATA
    For free screening: 808-566-6666  |  855-690-8977
    www.meddata.com

    By Daniel Bonilla, MedData Community Medicaid Long-Term Care Coordinator The decision to move into a long-term care facility can be a difficult one, especially when it comes to finances. In Hawai‘i, a long-term care facility can cost anywhere from $8,000 to $12,000 a month, which is unaffordable for many families. Medicaid’s long-term care coverage — an option…

  • When to Start Receiving Social Security

    by Jane Yamamoto-Burigsay, Social Security Public Affairs Specialist in Hawai‘i

    Enjoying a comfortable retirement is every-one’s dream. For over 80 years, Social Security (SS) has been helping people realize those dreams, assisting them through life’s journey with a variety of benefits. It’s up to you as to when you can start retirement benefits. You could start them a little earlier or wait until your “full retirement age.” There are perks to both…

    Full retirement age refers to the age when a person can receive their SS benefits without any reduction, even if they are still working part- or full-time. You don’t actually need to stop working to get your full benefits.

    For people who reach age 62 in 2017 (i.e., those born between Jan. 2, 1955, and Jan. 1, 1956), full retirement age is 66 and two months. Full retirement age was age 65 for many years. However, due to a law passed by Congress in 1983, it has been gradually increasing, beginning with people born in 1938 or later, until it reaches 67 for people born after 1959.

    Learn more about the full retirement age and find out how to look up your own online at
    www.socialsecurity.gov/planners/retire/retirechart.html.

    You can start receiving SS benefits as early as age 62… or any time after that. The longer you wait, the higher your monthly benefit will be, although it stops increasing at age 70. Your monthly benefits will be reduced permanently if you start them any time before your full retirement age. For example, if you start receiving benefits in 2017 at age 62, your monthly benefit amount will be reduced permanently by about 26 percent.

    But, if you wait to start receiving your benefits until after your full retirement age, your monthly benefit will be higher. The amount of this increase is two-thirds of one percent for each month — or 8 percent for each year — that you delay receiving them until you reach age 70. The choices you make may affect any benefit your spouse or children can receive on your record, too. If you receive benefits early, it may reduce their potential benefit, as well as yours.

    Be as informed as possible when making any decision about receiving SS benefits. Read “When to Start Receiving Retirement Benefits” at www.socialsecurity.gov/pubs/EN-05-10147.pdf.

    If you decide to receive benefits before you reach full retirement age, you should also understand how continuing to work can affect your benefits. SS may withhold or reduce your benefits if your annual earnings exceed a certain amount. However, for every month benefits are withheld, your future benefits increase. At your full retirement age, SS will recalculate your benefit amount to give you credit for the months they were reduced or withheld. Learn more at www.socialsecurity.gov/planners/retire/whileworking.html.

    Visit the SS Retirement Planner online at www.socialsecurity.gov/planners/retire.


    For questions, online applications or to make an appointment to visit a SSA office, call from 7am–7pm, Mon–Fri:
    1-800-772-1213 (toll free)  |  1-800-325-0778 (TTY)
    www.socialsecurity.gov

    by Jane Yamamoto-Burigsay, Social Security Public Affairs Specialist in Hawai‘i Enjoying a comfortable retirement is every-one’s dream. For over 80 years, Social Security (SS) has been helping people realize those dreams, assisting them through life’s journey with a variety of benefits. It’s up to you as to when you can start retirement benefits. You could…

  • Resources to Help Aging Loved Ones

    By Dan Ihara, RA, CAPS, CLHMS, Senior Real Estate Specialist, RS-65892

    As we all age and watch those around us get older, concerns about the safety of our loved ones may increase. Whether it is memory loss, falls, a decrease in appetite and hygiene, or the absence of family or friends, everyone will need some kind of help sooner or later.

    Some of the questions families may have are:

    Should my mom be living alone since she’s fallen recently? What kind of services are available to help her in her home and how much do they cost?

    For in-home care, there are home care and home healthcare options. The costs will vary based on the type and level of service needed.
    Be aware that most of them will have a minimum charge per visit.

    My parents are becoming more forgetful. Should they stay by themselves?

    There are various options for your parents. Adult day care may be an option for companionship during the day and may accommodate even the busiest schedule. Bringing care into your home is also an option; however, its more costly than adult day care. Moving into a retirement community is also a viable option to provide a sense of community and companionship 24/7.

    My uncle lives alone. Would it be safer for him to live in a retirement community? If so, what are the options?

    A retirement community could be a great solution for your uncle. Retirement communities offer many services and have safety protocols in place so it is safer than living alone. There are different types of communities with various options, so it’s good to research or attend a seminar to find the one that best suits your uncle’s needs.

    My neighbor has so much stuff that she could trip over! How can I get her help?

    There are several declutter services that can be brought into your neighbor’s home to help remove unnecessary items. They can help sell, donate or dispose of them.

    You may have other questions like those above concerning friends and family members, but rest assured that there are many resources that can provide answers and solutions to help them safely navigate this phase of life.


    THE IHARA TEAM – Keller Williams Honolulu (RB-21303)
    4747 Kiluaea Ave., #201, Honolulu HI 96816
    808-256-7873  |  Ihara@iharateam.com
    www.iharateamhawaii.com

    By Dan Ihara, RA, CAPS, CLHMS, Senior Real Estate Specialist, RS-65892 As we all age and watch those around us get older, concerns about the safety of our loved ones may increase. Whether it is memory loss, falls, a decrease in appetite and hygiene, or the absence of family or friends, everyone will need some…

  • Home Healthcare: Buyer Beware

    By Eileen Phillips, RN, Attention Plus Care

    Life is full of choices as a consumer. We try to make informed choices but sometimes getting there takes a bit of experience and know-how. Online product or service reviews are helpful at times but can mean different things to different people based on experience. The same can hold true when searching for home care for yourself or a loved one.

    A study done by Northwestern University reveals that home care buyers should beware. Researchers who posed as consumers surveyed 108 home care agencies from around the country. Results showed they hired unqualified and possibly dangerous caregivers to work in the homes of vulnerable seniors. Not only did agencies exhibit poor hiring procedures but researchers also found that many agencies did not train, supervise, screen or test for skills competency of their caregivers. Families may not realize how unqualified a caregiver is, especially if the care is for an aging parent who has multiple chronic conditions. In the state of Hawai‘i, home care agencies are not required to obtain a license, certificate or accreditation. What’s frightening is that agencies can continue to operate without any regulating
    or monitoring.

    “People have a false sense of security when they hire a caregiver from an agency,” said Lee Lindquist, MD, geriatrician and author of the study. “There are good agencies out there but there are plenty of bad ones and consumers need to be aware that they may not be getting the safe, qualified caregiver they expect. It’s dangerous for the elderly patient who may be cognitively impaired. Some of the paid caregivers are so unqualified it’s scary and really puts the senior at risk. We found agencies sending caregivers out into the seniors’ home without checking,” she said. “Identifying the good agencies from the bad is difficult because many agencies have slick websites and marketing campaigns.”

    The study was published in the Journal of American Geriatrics Society. From the agencies surveyed, slightly half (55 percent) conducted federal background checks. Even worse, only one-third did drug testing or checked for caregiver skills competency. More surprising, many agencies allowed caregivers to assess their own skills in a self-report and lacked consistent supervision of their caregivers. “The home care study is concerning, and families will want to seek more qualified caregivers from a reputable agency that is both accredited by The Joint Commission and licensed as a home health agency,” said Attention Plus Care Chief Administrative Officer Wesley Chang. “Home health agencies in Hawai‘i that provide skilled nursing services and other therapeutic services under a physician’s direction to home-bound patients must be licensed and monitored by the Hawai‘i State Department of Health.”

    To maintain accreditation by The Joint Commission, agencies undergo a rigorous comprehensive evaluation to verify if the agency is following state and federal guidelines, as well as national health standards set by The Joint Commission. The commission’s goal is to address safety and quality care, leading to continually better patient care standards and outcomes.

    Now that’s a good choice.


    ATTENTION PLUS CARE
    Accredited by The Joint Commission
    1580 Makaloa St., Ste. 1060, Honolulu HI 96814
    808-739-2811  |  www.attentionplus.com

    Available monthly: AGING IN HAWAII EDUCATIONAL OUTREACH PROGRAM by Attention Plus Care — A program to provide resources for seniors and their families, instructed by a registered nurse, who covers a different aging topic each month. For more information on upcoming topics, contact 808-440-9356.

    By Eileen Phillips, RN, Attention Plus Care Life is full of choices as a consumer. We try to make informed choices but sometimes getting there takes a bit of experience and know-how. Online product or service reviews are helpful at times but can mean different things to different people based on experience. The same can…

  • Speed Healing with Aquatic Therapy

    By Julie Moon, Physical Therapist

    Back surgery is a serious procedure and often requires significant recovery time. Exercise is a critical part of healing, although during the post-operative stages, patients must be careful to avoid undue stress on the surgical site with certain activities, bending, lifting or twisting.

    The gentle environment of water allows patients to perform movements that they are unable to perform on land. The warmth of the water allows patients to increase their range of motion without severe pain. Buoyancy supports weak muscles and reduces stress on the spine, while the water’s resistance improves muscle tone and increases cardiovascular function.

    Janet Shaw, 75, underwent back surgery in January. Her goal was to swim in the Mermaids Hawaii Mother’s Day show in May. But her aquatic therapy program enabled her to participate in a swim show in March!

    Too much activity after surgery may slow recovery or damage the surgical repair. But aquatic therapy can be a safe and effective tool during the early stages of spinal care, and facilitate an easier transition to land exercises. And just like Janet, it can help you reach your goals and return you to the activities you love as soon as possible.


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

    By Julie Moon, Physical Therapist Back surgery is a serious procedure and often requires significant recovery time. Exercise is a critical part of healing, although during the post-operative stages, patients must be careful to avoid undue stress on the surgical site with certain activities, bending, lifting or twisting. The gentle environment of water allows patients…

  • Diabetes Treatment: East Meets West

    By James Carter, L.Ac

    An estimated 30 million people in America have type 2 diabetes and that number is
    increasing each year. Although type 2 diabetes affects many different systems and functions of the body, the most commonly known effect is its disruption of the body’s ability to regulate blood glucose levels either by a lack of production of insulin or the body’s resistance to insulin. Common causes of type 2 diabetes are poor nutrition, excess weight, lack of exercise, genetics and even certain medications. Current conventional treatments involve taking insulin and lifestyle changes. However, the consistent increase in the number of people diagnosed each year leads many to conclude that these treatments alone may not be enough. Acupuncture and Chinese medicine offer unique and integrative approaches to improving the health of those dealing with diabetes through modalities unheard of by most in the West. In a Chinese medicine approach, different treatment principles are aimed at restoring the body’s own functional physiology. Modalities are combined to help restore balance — acupuncture therapy, medicinal nutrition, auricular acupressure, herb teas, cupping therapy — as well as lifestyle changes.

    These Chinese therapies, carefully combined with conventional medicine under the guidance of both practitioners, can facilitate diabetes management and create sustainable shifts in the root causes of the imbalance.


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

    By James Carter, L.Ac An estimated 30 million people in America have type 2 diabetes and that number is increasing each year. Although type 2 diabetes affects many different systems and functions of the body, the most commonly known effect is its disruption of the body’s ability to regulate blood glucose levels either by a…