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Off Track: Cheap plate lunches 1

From the Frolic Hawaii website

hawaiian-plate-lunchSaving money is often among people’s New Year’s resolutions. When it comes to plate lunches, it’s also important to get the most bang for your buck.

I didn’t realize until I compiled this list that almost all my favs start off with chicken, but don’t think that’s too girly: It turns out that chicken plates are the top sellers at a lot of plate lunch spots.

So whether you’re trying to lower your lunch budget or simply looking for great deals, check out my Her Top 5: Cheap plate lunches.

Consumers encouraged to explore insurance options

dcca-logoThe Department of Commerce and Consumer Affairs’ Insurance Division released its annual premium comparison publications for motor vehicle, homeowner, condominium, and renters insurance.

“These publications help consumers make the right decisions for their insurance needs,” said Insurance Commissioner Gordon Ito.  “We encourage people to use these guides as a tool to shop and compare for the appropriate coverage and price.”

The lists of sample premium rates can be used as a guide to see what consumers’ insurers are charging compared to its competitors.  The premium publications help consumers research and explore options and ensure greater competition in the insurance marketplace.

Click on the following links to the comparison sheets (in PDF format) on the DCCA website.

Health Insurance

Hawaii Patients’ Bill of Rights

2017 ACA Individual Rates

2016 ACA Small Group Rates

Small Business Health Options (SHOP)

Home Insurance

Homeowners Premium Comparison Publication 2017

Condominium Unit Owners Premium Comparison Publication 2017

Renters Premium Comparison Publication 2017

Prior Home Insurance Premium Comparisons

Motor Vehicle Insurance

Motor Vehicle Insurance Premium Comparison & Consumer Complaints Publication 2017

Prior Motor Vehicle Insurance Premium Comparisons

Retirement: A New Balancing Act for You

ted-tv

It’s all the rage now. You’re supposed to find, follow and live your passion. I’m one of those who shout it from the rooftops. In fact, the closing words to my TED talk about fear are, “Let the passion drive you through any fear and obstacles that get in your way. Have confidence in your passion as a tool of strength. Passion is stronger than fear. Let passion rule your day.”

And in my coaching course, Sail Into Retirement™, Module One is all about finding your passion.

But with so much attention on finding our passion, we sometimes fail to see the beauty and importance in other areas of our lives. Even in retirement.

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Which automaker has had fewest recalls over the last 31 years?

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Recalls in the auto industry are at an all-time high, affecting virtually every manufacturer in the business.

But some automakers have fewer recalls, are more timely in issuing their recalls and experience fewer recalls for severe problems, according to a recent survey by iSeeCars.com.

Moreover, automakers’ overall response to recalls can be indicative of the priority a brand puts on quality, said iSeeCars.com, a web-based service for researching new and used vehicles.

The company says it reviewed 31 years of recall history and found that Porsche had the lowest recall rate, Volvo had the lowest percentage of recalled cars with potentially dire problems and Tesla was the most proactive in recalls.

Here are some of the tables in iSeeCars’ study

Now Hear This: Ringing in Your Ears Could Mean Serious Illness

ear-painIf you hear a persistent sound in your ears that’s not coming from your surroundings, you may have tinnitus. Maybe you hear the classic ringing tone, or something that’s more like whistling, roaring, or buzzing. The sound could even have the same rhythm as your heartbeat. For some people tinnitus comes and goes, while others hear it all the time. It can be a minor annoyance or severely disrupt day-to-day activities for the 50 million people in the United States who experience it, according to the American Tinnitus Association.

Most of the time, ringing in your ears is the result of an abnormality in your auditory or nervous system, according to Payal Anand, AuD, assistant director at the audiology clinic at UCSF Medical Center. But it can also be caused by certain medications such as anti-inflammatories, sedatives, and antidepressants. 

While it’s not a disease in itself, tinnitus is a symptom for many conditions, usually nothing to be alarmed about. In some cases, however, it may be a sign of one of these 10 serious conditions.

4 Kinds of Insurance That Can Save Your Retirement

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Enjoying a secure retirement means more than just hitting your investment goals. It also requires planning ahead for certain financial obstacles that could potentially make your later years a little less golden.

Having the right kinds of insurance can go a long way toward helping you combat potential blips on the radar. The difficult part is figuring out which type of coverage you need and how much is enough.

Understanding the problems each insurance policy is designed to protect against can help you decide where they fit in the financial picture.

If you’re not sure which kind of coverage is best, here are four policies you may want to consider.

COL Rusty Spray’s Retirement Ceremony

rusty-spray-retirement-flyer

click to enlarge flyer

Check Six: 292d Supply and Service Company

Aaron Pollick continues to do an outstanding job on his Hawaii Army National Guard – Historical Facebook page.

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click on photograph to enlarge

On his Facebook page, Kehau Jardine posted this photograph with these comments:

“IMUA” – “IKAIKA” – that was 292d Supply and Service Company motto. Picture taken at Wahine Armory, 1987 prior to Annual Training in Korea.

Aaron added his comments to the post:

Thank you Kehau! 292nd S&S Co was under the 297th Supply and Service Bn that produced many great Officers as well as NCO’s. Their mission Bakers and Bathers. The 292nd reorganized later into B Company 193rd Aviation, a Maint Unit, and now 777th Avn (Maint). so their legacy lives on.

Retired General Demoted 2 Ranks After Sexual Assault Investigation

From the Military.com website 

070910-f-jz501-926Retired Air Force General Arthur Lichte has been demoted to the rank of major general and will forfeit roughly $5,000 a month in retirement pay after the service’s Office of Special Investigations found that he engaged in inappropriate sexual acts while in uniform.

Lichte, who retired Jan. 1, 2010, after more than 38 years of service, could have been charged with conduct unbecoming an officer, adultery, and having an unprofessional relationship under the Uniform Code of Military Justice, but those charges have a statute of limitations, Air Force spokeswoman Ann Stefanek told Military.com on Wednesday.

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On line biography

What Happens to Your Credit Card Debt After You Die?

credit-cardsNothing quite rocks your world like the death of a loved one.

There’s so much to do, so many people to talk to, so many things to sign – and you have to do it all while dealing with the enormous, sometimes debilitating feelings of sadness and loss that come with the passing of someone to whom you were so close. This is a reality for countless Americans each day, and unfortunately, many of the tasks that need to be accomplished are unclear.

Take credit card debt, for example. When figuring out responsibility for a recently deceased credit card holder’s debts, many variables come into play, including where you live. It can get pretty complicated, and sometimes your best move is to get a lawyer involved.

Here are a few things you should know about credit card debt after death

Elder and Veterans Legal Seminar

James Pietsch is a professor in the William S. Richardson School of Law at UH Manoa and serves as director of the university’s Elder Law Program (UHELP). He sent out the following email detailing the upcoming Elder and Veterans Legal Seminar.

It is that time of year again–UHELP and the Elder Law-Veterans Focus Clinic are sponsoring a seminar on February 14th, which I think will be of great interest to you. Attached is the flyer.

Not only will we be discussing some interesting matters about planning for incapacity (including potential dementia) and end-of life decisions but two of the panels will have direct applicability to veterans, and specifically veterans who receive health care through Tripler Army Medical Center and at the VA and military retirees who want to know more about legal assistance provided by the armed services.

The opening discussion, “Try to Remember,” from 11:30 a.m. – 12:30 p.m. will explore basic legal planning for older persons and Special Needs Trusts. This session will also look at how professionals can help plan for potential physical and mental incapacity of patients in order to avoid guardianship, conservatorship and abuse.

A reception and light lunch will be served from 12:30 – 1:30 p.m. A $10 suggested donation at the door will cover lunch and the cost of materials.

The second session, “Laws, Ethics, Medicine Autonomy—Deactivating Pacemakers,” from 1:30 – 3 p.m., will specifically look at health-care standards for the implantation and deactivation of Cardiovascular Implantable Electronic Devices, including pacemakers in end-of-life care. Discussion will center around the medical, legal, and ethical guidelines to better support the autonomy and independence of patients under current medical and legal standards. The issues arose from a case involving a cardiac patient at Tripler Army Medical Center. The patient is one of the panelists.

The final afternoon session, “Legal Resources for Military Retirees and Their Caregivers,” from 3:15 – 4:15p.m., will explore legal resources for military retirees and their caregivers and the laws and regulations that provide for military legal assistance  for qualified clients.

The seminar is being held in the Moot Court Room at the Law School, which is located at 2515 Dole St. Parking is available in the Quarry parking structure for $5 if entering before 4 p.m.

Participants are asked to register by February 10 by calling UHELP at (808) 956-6544, or emailing uhelp.edu@gmail.com.

View the seminar flyer here


Special thanks to Robert Lee, the former Adjutant General, for sharing this information.

New Commissary Shopper Savings Plan Released

commissary-3Commissary officials on Monday unveiled new savings requirements for the system’s 238 stores worldwide, setting the framework on which prices will be based under an upcoming plan known as “variable pricing.”

Currently, products at the commissary are sold at-cost plus a five percent surcharge that pays for store upkeep and new construction. All other overhead costs are taxpayer funded.

But a new pricing model passed by Congress last year allows the Defense Commissary Agency (DeCA) to instead use a variable pricing plan, with prices based on a percentage of savings over the same items sold off base and determined on a region-by-region basis.

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Barber’s Point Aviation Services owner receives Department of Defense Patriot Award

L-R: Robert Lee, Reginald Perry and Jaris Flora

L-R: Robert Lee, Reginald Perry and Jaris Flora

Reginald Perry, owner and managing member of Barber’s Point Aviation Services, was presented with a second Patriot Award Dec. 28, by Hawaii Employer Support of the Guard and Reserve State Chair Robert Lee in recognition of his awesome support provided to an Army National Guard soldier.

Perry was nominated for being highly supportive of the National Guard by his employee Spc. Jaris Flora, Hawaii Army National Guard.

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Taps: David Perreira, Jr.

154-camronDavid Perreira, Jr., 75, of Honolulu, died in Honolulu on Friday, January 20, 2017. He was born in Honolulu.

Visitation: 5:00p.m.; Services: 6:00p.m. on Tuesday, February 7, 2017 at Diamond Head Mortuary Chapel. Inurnment: 8:30 a.m. on Wednesday, February 8 at National Memorial Cemetery of the Pacific.