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    • Useful info / Transporation
    • 2026/01/30 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those who are planning to return to Japan ・, airport pick-up service is available !.

    AM World provides airport transfer service to support your comfortable temporary return to Japan !

    Leave your airport transfer to us for your temporary return to Japan or your return home. Early morning ・ Late night, we will ensure your car is dispatched by advance reservation.
    We offer a reliable service without worrying about the time.

    🌟 Service Features
    [24 hours Japanese service]
    Japanese driver and customer service are also available in Japanese.

    [Constant flight status check]
    Flexible response to early arrivals and delays of flights.
    The driver and staff in charge monitor the status of your flight at all times to ensure a smooth arrival.

    ・ Usage scenarios
    Airport transfers for temporary return
    Family or group return home
    Convenient for travel with a lot of luggage or business trip !

    Available 24 hours a day, 365 days a year.
    Please take advantage of our airport transfer service, which helps you have a comfortable and stress-free trip.

    • Useful info / Life / Housing
    • 2026/01/28 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Do you know what DTI is ? It is an important number before buying a house.

    DTI ( Why Debt-to-Income Ratio ) Can Make or Break Buying a Home in the East Bay

    DTI is one of the first things banks check when you apply for a mortgage loan. What Every Japanese Resident in the U.S. Should Know :

    ✅ What is DTI: Total Monthly Debt ÷ Total Monthly Income

    ✅ Important numbers:
    36% or less = high chance of approval
    43% or less = Approval possible for most loans
    43% or more = possible, but high credit score ・ Assets required

    ✅ Debt includes:
    Minimum payments on credit cards
    Car loans
    Student loans
    Personal Loans
    Future Mortgage Payments

    East Bay Market Status: given the median home price in the area,
    knowing your DTI early will help you set a realistic budget and avoid disappointment later on.

    As an experienced California real estate broker, we understand the importance of an accurate financial assessment.
    That's why I work with trusted mortgage professionals to provide accurate DTI calculations and prequalification guidance.

    Do you need a connection with a trusted lending professional ? I have a network of reliable
    mortgage professionals who are familiar with the East Bay market and can provide you with accurate numbers to help you find a home with confidence! !

    Call or email me for a referral to a trusted loan specialist !

    • Useful info / Education / Lesson
    • 2026/01/27 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    February 8, 2026 ( Sun ) ena New Year Admission Information Session & Challenge Test Held !

    In preparation for the start of the new school year, ena San Jose and ena San Francisco will be holding an information session and challenge test for the 2026 school year !
    This is a great opportunity to help your child step up his/her learning ! Please join us.

    ★ New Year Enrollment Information Session ( Individual Interview Format Face-to-face/Online Option )
    Date and Time : February 8 ( Sun ) 10:00 - 18:00

    Target Grade :
    - ena San Jose : New Elementary 1 ~ New High School 3
    - ena San Francisco : New Junior High ~ New High School 3

    ★ New Elementary 2 ~ New Junior High 3 Challenge Test ( In-person at the school building
    A great opportunity to measure your child's ability !

    - New Elementary 2 ~ New Junior 1 : Japanese / Math ( 30 minutes each )
    [Time] 10:00 ~ 11:10
    - New Junior 2 ・ New Junior 3 : Japanese / Math / English ( 30 minutes each )
    [Time] 10:00 ~ 11:50

    Test will be conducted in face-to-face format. Check your academic skills for the new school year and prepare for the next step !

    Contact :

    ena San Jose School
    Address : 1072 S. De Anza Blvd. #A-202, San Jose, CA 95129
    Phone : 408-257-1343
    Email : sj@ena-us.com

    ena San Francisco
    Address : 1710 S. Amphlett Blvd. #120, San Mateo, CA 94402
    Phone : 650-235-3410
    Email : sf@ena-us.com

    *Note
    - Information sessions are held in the form of individual interviews, Please be sure to make an appointment in advance. You can participate in person or online.
    - The challenge test will be conducted in a face-to-face format. Please be sure to make an appointment in advance.

    Start preparing to be one step ahead for the new school year ! Please join us to expand your child's potential.

    • Useful info / Professional
    • 2026/01/25 (Sun)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Ozaki Accounting Office - We solve your U.S. tax problems!

    Do you have any of these problems ?

    ・ US tax rules are complicated and I don't understand them
    ・ My mind goes blank when I look at English documents
    ・ I have income and assets in both Japan and the US and it is difficult to file
    I'm using TurboTax, but I'm not sure if it's right
    ・ FBAR ・ FATCA … I don't know if I'm eligible
    ・ I'm afraid of declaration error or fine

    But don't worry.
    With a little knowledge of how it works, saving taxes is surprisingly easy.

    The benefits of just learning
    ・ Avoid paying unnecessary taxes
    ・ Money returned ( Refund ) increases
    ・ Stress of filing is dramatically reduced
    Investing ・ Side Business ・ You can also understand real estate
    ・ You can determine deductions and credits
    ・ You can understand the difference between Japanese and US tax systems

    Why do you find it difficult ?
    The reason is simple. It's because no one tells you.
    But the required documents and rules are almost the same every year.
    You can understand 80% of them if you follow 5 points.

    Anyone can do it
    ・ Even if you are not good at English
    ・ Even if you are not good with numbers
    ・ Even if you are raising children or working full-time

    With a little learning, you can be a " You can become a "tax man.
    With knowledge, you can protect your family's future and live in America with peace of mind.

    Take the first step now

    Ozaki Accounting Office can help you with your tax worries.
    Save tax wisely and enrich your life.

    2026 Tax Savings Information Part 1 ( NY In-person )

    January 23, 2026 ...

    • Useful info / Life / Housing
    • 2026/01/24 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    When buying a home in California, a real estate attorney is needed in some cases.

    Are you considering buying a home in the East Bay ?
    In California, not all purchases require a
    real estate attorney.

    However,
    if the transaction involves tenant-occupied properties, private sales ( FSBOs ) or
    non-standard contract terms,
    proceeding without legal review can be risky.

    "I don't know if I need a lawyer …"
    In such cases,
    👉 please feel free to contact us.

    • Useful info / Auto / Motorcycle
    • 2026/01/24 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Bubka! ★ Be the first to know about new selected vehicle inventory ! ★ Please register !!

    … "Good used cars are hard to find
    "Cars I like sell very quickly."
    "I don't know when they come in."

    It's not easy to find a good used car💦

    Good news for everyone ❗
    Be the first to receive notifications of new and carefully selected vehicles in stock from Bubka!
    By registering your e-mail address in advance, you will receive periodic e-mail notifications of fresh new inventory from Bubka!
    Timing is important when selecting a used car. !


    Registration is free of charge
    *We recommend that you set "@bubkaus.com" as your email address
    to allow us to send you information from our domain.
    Bubka!'s service is "speedy", "safe" and "expensive" !

    ▼ Register here ▼
    https://www.bubkaus.com/inventory /newsletter/


    = = = = = = = = = = = = = = = = = = = = = = = = = =
    < Car Appraisal & Buying Service for Recommendation >

    ・ I want to buy a new car, but I want to know the trade-in price in advance
    ・ I want to sell my car because I have decided to change
    ・ I want to arrange the car sale because I am going back to Japan ・ I have to sell my car suddenly
    ・ I am thinking of private sale but it is too much trouble
    ・ Loan ・ I am leasing but want to sell my car
    ・ I am too busy to go show my car
    We can buy any vehicle quickly for any reason !

    < 5 easy steps to sell your car >
    Step 1 >>; Schedule an appointment for appraisal ( 424-271-0838 or www.bubkaus.com/car-sell/assessment)
    Step 2 >> Vehicle Inspection
    Step 3 >> Price Offer
    Step 4 >> Contract ・ Vehicle Pickup Date ・ Location Decision
    Step 5 >> Vehicle Delivery & Purchase Price Payment

    Please see our website for details ! ↓

    Please contact us for more information. Please feel free to contact us by phone below or [ send us a message ].

    • Useful info / Beauty / Health
    • 2026/01/23 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    No.1 Repeat Customer] Organic Gray Hair Dyeing ( Keratin Amino Acid Treatment + Blow-Drying Included ) is $ 150 !

    Nao'ru Beauty Salon's No.1 repeat customer, organic gray hair dye !


    \ \ \ \ Our best special price ! / /
    Organic Gray Hair Dyeing ( Keratin Amino Acid Treatment + Including Blow-Dry ) $ 150 !

    Popular gray hair dye using 100% natural products, !

    Our salon is based on the concept of "Natual All" and uses oriental medicine such as Chinese herbs and Chinese medicine
    , Microblading ・ Nails ・ Facial ・ Body massage and other treatments are offered at this total beauty salon.


    ▼ ▼ ▼ ▼ ▼ Call or text ▼ ▼ ▼ ▼ ▼

    408-309- 9557

    [Reservations available ! Japanese OK ! Please call Miki at

    Organic Gray Hair Dyeing ( Keratin Amino Acid Treatment + Blow-Drying Included )...

    • Useful info / Transporation
    • 2026/01/23 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those who are planning to return to Japan ・, airport pick-up service is available !.

    AM World provides airport transfer service to support your comfortable temporary return to Japan !

    Leave your airport transfer to us for your temporary return to Japan or your return home. Early morning ・ Late night, we will ensure your car is dispatched by advance reservation.
    We offer a reliable service without worrying about the time.

    🌟 Service Features
    [24 hours Japanese service]
    Japanese driver and customer service are also available in Japanese.

    [Constant flight status check]
    Flexible response to early arrivals and delays of flights.
    The driver and staff in charge monitor the status of your flight at all times to ensure a smooth arrival.

    ・ Usage scenarios
    Airport transfers for temporary return
    Family or group return home
    Convenient for travel with a lot of luggage or business trip !

    Available 24 hours a day, 365 days a year.
    Please take advantage of our airport transfer service, which helps you have a comfortable and stress-free trip.

    • Useful info / Life / Housing
    • 2026/01/22 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    When selling a house in California, a real estate attorney is needed in some cases.

    Thinking of selling your home in the East Bay ?
    In California, not all real estate sales require a
    real estate attorney.

    However,
    trust title ・ inherited property ・ joint title ・ sale due to divorce, etc.,
    if you proceed without legal confirmation,
    you may find yourself in trouble later.

    ✔ Confirm the authority to sell
    ✔ Avoid unnecessary disputes
    ✔ For smooth closing

    If you wonder "what about my case ?? > 👉 please feel free to contact us.

    • Useful info / Education / Lesson
    • 2026/01/20 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Nishiyamato Gakuen San Jose School Kindergarten Open House

    Nishiyamato Gakuen San Jose School Kindergarten has set up a day for everyone who is considering enrolling in our kindergarten to observe our kindergarten and each class of childcare.
    We would like to take this opportunity to tell you about the special features of our school.

    <対象のご家庭>

    From April 2026 ( From the third term of 2025 ) or from August 2026 ( or later ) for children up to 2.5 years ~ 5 years old.
    *Will be conducted by appointment only.

    <開催日>

    Feb 5 ( Thurs ) 9:45am ~ 10:45am

    ( 9:45am ~ Information session, 10:15am ~ Daycare at each nursery Observation )

    < Application period ・ How to apply >

    Application period : Feb 4 ( Wed ) until the morning ( Up to 25 students. Will close as soon as capacity is reached. )

    Please apply by EMAIL : EMAIL : center@nishiyamato.org

    * The park will send a confirmation email to those who have applied by the day of the event. We will send you a confirmation email by the date of the event.

    Nishiyamato Gakuen San Jose Kindergarten Open House
    Feb 5 ( Thurs ) 9:45am ...

    • Useful info / Auto / Motorcycle
    • 2026/01/19 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    🚙"There are safety features that only Subaru could have created" 🚙🚙🚙🚙.

    Diverse lineup including Impreza and Crosstrek for single occupants, Forester for families, and hybrid vehicles.
    "Following the Forester ・ Hybrid, the 2026 model, the Crosstrek ・ Hybrid is now on sale !"

    The reliable EyeSight, from 4 wheel drive, protects drivers, and their families.

    Subaru Official Website
    Subaru's Car Making https://www.subaru.jp/brand/technology/technology/driving_boxer.html
    All in One, New Impreza https://www.youtube.com/watch?v=vZSdwPIjXoM * Vehicles introduced here are Japanese specifications.

    Lease plans for expatriates can be selected from 24 to 48 months. We also offer a guaranteed purchase program that reduces the remaining lease balance in the event of cancellation prior to the lease contract due to sudden return to Japan during the lease period.

    Free maintenance during the term of the lease and 24-hour Japanese language roadside assistance throughout the U.S. for the first year after purchase. ( Charged for the second year and thereafter. )

    Renewal available for a small fee if desired
    ・ Passport and VISA
    ・ Proof of employment issued by HR or pay stub if past 30 days since arrival in US
    ・ Social Security Card
    ・ Proof of residency ( Rental agreement, utility bill, etc. )
    ・ Driver's License ( International License acceptable )
    ・ Others
    All over California and other states ( We can also deliver your car to Texas and other states )

    Please consult with us in Japanese first.

    Contact : Mitsuaki Hanzawa
    Phone : 415-412-0998
    Email : mitsuaki.hanzawa@chuzaisupport.com

    STEVENS CREEK SUBARU
    Location : 3225 Stevens Creek Blvd Suite 230, San Jose, CA 95117

    • Useful info / Finance / Insurance
    • 2026/01/18 (Sun)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Why 5%-10% instead of 20% down payment is advantageous ?.

    Do you think you need a 20% down payment to buy a house ?
    but that's an old way of thinking, and in fact can cost you in the long run.
    Let me use a real-life example to illustrate. The property price is $800,000.
    A 20% down payment would be $160,000.

    [Scenario 1 : 5% down payment]
    Down payment : $40,000
    Estimated closing costs : $18,000-$25,000
    Total cash required : $60,000-$65,000
    Estimated Monthly PMI : $300-400 per month
    Total PMI over 5 years : $18,000-$24,000

    [Scenario 2 : 10% down payment]
    Down payment : $80,000
    Closing costs : $18,000 to $25,000
    Total cash required : $100,000 to $110,000
    Monthly PMI : $200 to $250
    Total PMI for 5 years : $12,000 to $15,000

    This is the most important point.
    You will pay PMI for several years, but
    you can leave $80,000 to $120,000 more on hand.

    Of course, the lower your down payment, the
    slightly higher your monthly payment may be.
    But compare that to giving up $80,000 to $120,000 on day one.
    PMI automatically comes off when the equity in the owner-occupied home reaches 20%.

    But once you have paid the down payment, you will not get it back.
    It can be used for emergency funds, renovations, investments,
    or household stability.
    Borrowing ratios ( DTI ) as long as the DTI allows,
    you don't have to fear PMI if your down payment is less than 20%.

    📧 Contact us ・ Contact : LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    | ✉ ️ Lisa@ LisaFinancialServices.com
    | 🌐 lisafinancialservices.com
    ( NMLS #1611181 )

    • Useful info / Beauty / Health
    • 2026/01/17 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Milbon scalp care for healthy scalp environment !.

    Maria Hair Studio's Recommended Menu ! "Milbon Scalp Care".

    "Milbon Scalp Care" is a global brand that creates beautiful hair from 360 ° angles.

    Removes excess fatty acids that cause scalp problems and replenishes appropriate oil and moisture to create a healthy scalp environment.

    Please feel free to make an appointment in Japanese !.

    • Useful info / Life / Housing
    • 2026/01/16 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    While you are thinking, "I'm not ready now," there are things you can do to prepare.

    While you think, "It's not too late,"
    there are things you can do to prepare.

    Real estate is "valued at the moment"
    which can greatly affect future taxes and procedures.
    Even if you don't sell immediately,
    even if the house is in trust,
    taking the valuation can reduce the burden later.

    For your family, make sure.
    If you would like to know your options for the future, please contact us anytime.

    • Useful info / Transporation
    • 2026/01/16 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those who are planning to return to Japan ・, airport pick-up service is available !.

    AM World provides airport transfer service to support your comfortable temporary return to Japan !

    Leave your airport transfer to us for your temporary return to Japan or your return home. Early morning ・ Late night, we will ensure your car is dispatched by advance reservation.
    We offer a reliable service without worrying about the time.

    🌟 Service Features
    [24 hours Japanese service]
    Japanese driver and customer service are also available in Japanese.

    [Constant flight status check]
    Flexible response to early arrivals and delays of flights.
    The driver and staff in charge monitor the status of your flight at all times to ensure a smooth arrival.

    ・ Usage scenarios
    Airport transfers for temporary return
    Family or group return home
    Convenient for travel with a lot of luggage or business trip !

    Available 24 hours a day, 365 days a year.
    Please take advantage of our airport transfer service, which helps you have a comfortable and stress-free trip.

    • Useful info / Finance / Insurance
    • 2026/01/15 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Buying your first home with a Roth IRA ( Roth IRA )?

    Roth IRAs are divided into two main categories.
    "Contributions ( Contributions )" and "Investment Income ( Earnings )".

    Contributions are the portion of the money you put into your account after you have already paid your taxes. This contribution is always yours. You can withdraw it at any time, for any reason, and there is no tax or 10% early withdrawal penalty.

    For example, if you have contributed a total of $30,000 so far and your current account balance is $40,000, you are free to withdraw that original $30,000.

    Investment income, on the other hand, is treated differently. Normally, withdrawals of investment income under age 59½ are subject to income tax and a 10% early withdrawal penalty.

    However, there is a special exception for first-time homebuyers.

    The IRS ( U.S. tax authorities ) allow first-time homebuyers to withdraw up to $10,000 from their Roth IRA investment income without a 10% penalty. In addition, if it has been at least five years since the Roth IRA account was opened, the investment income may be tax-free.

    This flexibility is why Roth IRAs are considered more advantageous for first-time homebuyers than Traditional IRAs ( Traditional IRAs ).

    However, a Roth IRA is only a retirement account. It can be a viable option for major life milestones such as purchasing a home, but it should not be used without planning.

    If you are considering buying your first home and want to use your money more wisely, this rule is something you should know.
    We have a YouTube and Instagram page where we share not only mortgages, real estate, but financial tips as well. We have a lot of useful information.

    https://www.youtube.com/@LisaFinancialServices

    https://www.instagram.com/lisafinancialservices/

    📧 Contact Us ・ Contact Us : LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    | ✉ ️ Lisa@ LisaFinancialServices.com
    | 🌐 lisafinancialservices.com
    ( NMLS #1611181 )

    • Useful info / Beauty / Health
    • 2026/01/15 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Keratin treatment restores damaged hair and makes it silky ♪.

    This treatment replenishes hair protein to make hair beautiful and healthy.

    Recommended for those who are concerned about dryness and waviness caused by damage.

    Please feel free to make an appointment in Japanese !.

    • Useful info / Finance / Insurance
    • 2026/01/15 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Buying your first home with a Roth IRA ( Roth IRA )?

    Roth IRAs are divided into two main categories.
    "Contributions ( Contributions )" and "Investment Income ( Earnings )".

    Contributions are the portion of the money you put into your account after you have already paid your taxes. This contribution is always yours. You can withdraw it at any time, for any reason, and there is no tax or 10% early withdrawal penalty.

    For example, if you have contributed a total of $30,000 so far and your current account balance is $40,000, you are free to withdraw that original $30,000.

    Investment income, on the other hand, is treated differently. Normally, withdrawals of investment income under age 59½ are subject to income tax and a 10% early withdrawal penalty.

    However, there is a special exception for first-time homebuyers.

    The IRS ( U.S. tax authorities ) allow first-time homebuyers to withdraw up to $10,000 from their Roth IRA investment income without a 10% penalty. In addition, if it has been at least five years since the Roth IRA account was opened, the investment income may be tax-free.

    This flexibility is why Roth IRAs are considered more advantageous for first-time homebuyers than Traditional IRAs ( Traditional IRAs ).

    However, a Roth IRA is only a retirement account. It can be a viable option for major life milestones such as purchasing a home, but it should not be used without planning.

    If you are considering buying your first home and want to use your money more wisely, this rule is something you should know.
    We have a YouTube and Instagram page where we share not only mortgages, real estate, but financial tips as well. We have a lot of useful information.

    https://www.youtube.com/@LisaFinancialServices

    https://www.instagram.com/lisafinancialservices/

    📧 Contact Us ・ Contact Us : LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    | ✉ ️ Lisa@ LisaFinancialServices.com
    | 🌐 lisafinancialservices.com
    ( NMLS #1611181 )

    • Useful info / Professional
    • 2026/01/15 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Inheritance through a Living Trust

    Have you heard of living trusts ( living trusts )?

    In the United States, living trusts are frequently used in estates, the most typical being the Revocable Living Trust ( Revocable Living Trust ). Establishing a Revocable Living Trust and making your estate a trust estate generally has the following advantages

    ( 1 ) During your lifetime, you are free to own ・ and manage your property as you always have.
    ( 2 ) You can appoint a person whom you trust as Successor Trustee ( Successor Trustee ) in advance, so that if you become unable to manage your property due to illness or old age, you can leave the property to that person.
    ( 3 ) Upon death, the trust estate is not subject to probate ( court-supervised probate ) and can be distributed to the beneficiaries by the successor trustee or arranged to continue to be administered for the beneficiaries.

    Estate planning with a living trust is the most adaptable plan because it can be prepared for a variety of situations.

    Merritt Law Firm can assist you with estate planning and estate planning by creating a living trust that is carefully tailored to your unique situation. Please feel free to contact us for more information.

    • Useful info / Life / Housing
    • 2026/01/12 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    If the sale already has a buyer in mind, there is no need to pay full commission.

    If your property has already been sold to a buyer,
    you do not have to pay full commission !

    ✔ sale to a tenant
    ✔ acquaintance ・ sale to a family
    ✔ off-market

    In these cases,
    Sakura Real Estate will support you
    with
    contracts ・ disclosure documents ・ and escrow with
    reasonable flat fees.

    "We are a little nervous about proceeding on our own …"
    This is when the professionals come in.

    Please feel free to call or e-mail us for more details.