Wednesday, March 25, 2020

Hawaii's Financial Emergency Assistance Programs ハワイにある緊急の経済援助プログラム


Hope everybody is being vigilant about staying safe!
As we are wondering how this help from government will pan out realistically, I would like to share the 5 financial institutions and a few local non-profit organizations that are offering a help during this difficult time.

Herein, I listed :1. Hawaii National Bank, 2. HomeStreet Bank, 3. Hawaii State Federal Credit Union, 4. American Saving Bank, and 5. Central Pacific Bank. Plus, a few of non-profit organizations that offer grants, rental assistance programs and so on. There might be other financial institutions that are offering similar type of emergency assistance program yet these are the ones that explicitly trying to help their customers. Please contact them directly for the details of their programs.

皆さん、おとなしくお家で待機されていますでしょうか？
昨日、トランプ大統領から経済援助の内容の発表がありましたが、ロックダウンの状況の中、ハワイの銀行からのアシスタンスプログラムを以下にリストします。直接各銀行お問い合わせ下さい。



1. Hawaii National Bank / hawaiinational.bank

"WE’RE HERE TO HELP.
The spread of COVID-19 to Hawaii has drastically changed the way we live, work and play. We understand that this may have also changed the financial situation for you, your family and your business. We are committed to assisting our customers and communities, and encourage you to contact your branch, relationship officer, or call us at (808) 528-7800 to discuss the ways we can help." 
2. HomeStreet Bank / homestreet.com
"Home Loan Assistance
If you are having financial difficulties due to the Coronavirus, HomeStreet Bank may be able to help. While we are required to follow your loan investors' guidelines, with a simple telephone call we can generally provide you with important information about possible loan payment options. Please contact one of our dedicated Loan Counselors at 1-844-544-9071. Our hours of operation are Monday through Friday, 8:00 a.m. to 5:00 p.m. Pacific Time. If you are not able to reach us during these hours, you can also email us at loanservice@homestreet.com and advise us of the best method and time to arrange a call. You may also visit our FAQs page.
Business Lending Assistance
We know this is a very difficult time for businesses and we want you to know we are committed to supporting the communities we serve. HomeStreet Bank may be able to grant existing borrowers’ temporary relief in some circumstances. Please contact your HomeStreet banker or email us at Assistance for Business Loans at ABL@homestreet.com.
The Small Business Administration is offering Disaster Loan Assistance to businesses impacted by COVID-19 with loans up to $2 Million to eligible businesses. Please reach out directly to SBA for SBA Disaster Loan Assistance at disasterloan.sba.gov/ela. " 
3. Hawaii State Federal Credit Union / hawaiistatefcu.com
"Emergency Assistance Loan*
Need financial help? Get access to money with a low rate personal loan with no prepayment penalty for qualifying members.
Deferral of Loan Payments**
Get relief from making scheduled monthly payments, Hawaii State FCU loan payments may be deferred for one to three months for qualifying members. Available on auto and personal loans, including share-secured and term share-secured loans.
Penalty Free Term Share Withdrawals***
Make withdrawals from your term share after the first 6 days of the account term without an early withdrawal penalty. Minimum withdrawal is $500. If your account falls below the $1,000 (minimum balance requirement) the account must be closed. Let us know how we can help. Call (808) 587-2700 for more details.

Disclosures
Program subject to change without prior notice. Certain terms and conditions apply.
* The Emergency Assistance Loan features 0% interest rate and no payments for the first 3 months, with a subsequent interest rate of 8.000% for the remaining 3 years. The blended APR over the entire 39-month term of the loan is 6.845%. A loan of $1,000 will have 36 payments of $31.34 per month, and total interest paid of $128.11. This Emergency Assistance Loan is available to affected Hawaii residents who have been members as of 12/31/2019. Members must meet minimum qualifications established for this special program. This program and rates are effective as of 3/23/2020 and are subject to change at any time without prior notice. Speak to a Hawaii State FCU representative at (808) 587-2700 or at any branch for more information.
** Speak to a Hawaii State FCU representative at (808) 587-2700 for more information.
*** Withdrawals will reduce earnings on the account. Penalty free withdrawals do not apply to IRA Term Shares. Speak to a Hawaii State FCU representative at (808) 587-2700 for more information. "
4. American Savings Bank / asbhawaii.com

 "Financial Hardship
We're here for you, and are offering solutions to help customers who may be facing financial hardship due to COVID-19. Customers may receive a loan forbearance, deferment or extension of up to 3 months. We encourage customers who may be impacted or need assistance to reach out by emailing hardship@asbhawaii.com or by calling (808) 846-4645 (unsecured loans –i.e. Personal Unsecured Loans or Lines) and (808) 846-4626 (real estate secured loans – i.e. Mortgages or HELOCs). Please note that we are experiencing high request volume at this time. Our team is working hard to respond to requests as soon as possible. "



 5. Central Pacific Bank / cpb.bank
"COVID-19 RELIEF PROGRAMS FOR CUSTOMERS AND BUSINESS OWNERS CPB HAS SEVERAL RELIEF PROGRAMS TO HELP CUSTOMERS AND BUSINESS OWNERS THAT MAY NEED ASSISTANCE GET THROUGH THESE CHALLENGING TIMES. Employment Disruption Loan: Hawaii residents whose employment status has been interrupted may be eligible for our low interest rate, unsecured personal loan from $1,000 to $8,000 with terms of 12 or 24 months. Consumer Loan Deferral: If you are struggling with payments on your Term Loan or Revolving Line of Credit, you may qualify for our 3-month deferral. 
Residential Mortgage Payment Deferral: If you need relief from your residential mortgage payments, our partner, Dovenmuehle (DMI), will work with you on a program.
SBA DISASTER LOAN: The Small Business Administration (SBA) has low-interest, long-term disaster loans available to businesses of all sizes, private non-profit organizations, homeowners, and renters.

Banking Signatories, Online Authorities and Entitlements 
Review your current banking signatories and online authorities and entitlements to ensure banking transactions will not be disrupted.

Hawaii Chamber of Commerce Resources
The Chamber has a frequently updated hub and is hosting webinars for business owners to keep updated during COVID-19.
Center for Disease Control and Prevention (CDC) 
The CDC has recommended strategies for businesses and employers to plan, prepare and respond to COVID-19.
Occupational Safety and Health Administration (OSHA) 
OSHA offers guidance on preparing a worksite to avoid possible risks.
If you have questions regarding our programs to assist customers dealing with the impact of COVID-19, contact us at COVID19@cpb.bank
To apply, call us at 808-544-0500. To request a deferral, please download pdf here. To request a mortgage payment deferral, call Dovenmuehle (DMI) at 800-669-4268 or visit their loan solution center to register and submit a request - www.loansolutioncenter.com If you have questions regarding our programs to assist customers dealing with the impact of COVID-19, contact us at COVID19@cpb.bank 
BUSINESS BANKING PROGRAMS AND TIPS / SMALL BUSINESS SURVIVAL TIPS Financial Concerns:Contact your trusted Central Pacific Bank Business Officer, Branch Manager and/or Financial Planner to discuss your current situation and financial concerns.(Reference: https://www.cpb.bank/landing/covid-relief-programs)
Other Resources:
Hawaii Home Ownership Center (www.hihomeownership.org)
Helping Hands Hawaii (helpinghandshawaii.org)
Legal Aid Hawaii(legalaidhawaii.org)
(Picture Reference: helpinghandshawaii.org)

For those who need more assistance relating homes(Rental,housing, mortgages, other great programs in Hawaii), go to Hawaii Home Ownership Center (www.hihomeownership.org). HHOC is a non-profit organization that strives to help with home ownership and provides educations. They might be able to navigate you through this challenging time. Please feel free to forward this article to the ones who can benefit from this information. Please stay safe and thank you so much for reading/sharing this info!
上記の銀行以外に、非営業団体のハワイホームオーナシップセンターも参考にされてください。(hihomeownership.org)
皆様くれぐれも身体にご自愛下さい。



Go to my website for quick search! 

*Olena At Hoopili Affordable Housing Application Due on Friday



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Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410






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Sunday, March 22, 2020

We should all wear masks and here is why. でかける時はマスクをしましょう！


Hello everyone, hope you are staying safe in this Coronavirus pandemic. My heart drops every time I see the new updates on the wild spread of the virus...

I heard about the shortage of this and that, I would like to do my part to stay away from others, so I won't be the one to bother being helped.

 I have been thinking, seeing not many are already wearing masks, maybe they think it's ok to not wearing one as they are healthy. However, I feel like they are missing the point of the "keeping distance" order. Now that we know some won't show the symptom, those "healthy ones" should also consider wearing masks to stop the spread unknowingly.

Although there is argument about the regular masks not being effective to protect you, or only the ones with symptoms should wear the masks type of recommendations out there, as long as THE MASKS REDUCES THE CHANCE of spreading/getting the virus, why not implementing it?

The below picture is from Smart Air, who educates on antipollution globally and sells the filtration items/devices(smartairfilters.com). I have no affiliation to this organization at all yet I do admire what they do.

The picture shows how small the virus particle can be...

As I live in high rise condo, where we tend to be trapped in the elevator whenever we get to a car, go downstairs to check mails, go shopping...etc...my fear is to get virus in the elevator where there is no way to get 6 feet distance from each other. So, with my clear conscious, I tell my husband to wear masks.

Particle Sizes - Virus Labelled
(Reference from https://smartairfilters.com/en/blog/best-materials-make-diy-face-mask-virus/)


Now, with the shortage of the masks happening and all, if you are crafty, or would like to try making one, those are the materials to consider making the mask with. From Vacuum Cleaner Bag to T-shirt, Pillow cases...I am sure you have one or two of them that you can use from the list below.

I tried making one with dish towel, and my husband was cracking up as it looked so humongous on my face, so I will try improving on it. :) My goal is to make a few washable ones so I can re-use it again and again. (As Pastor Wayne's service said, "God is asking for creativity" by enewhope.org.)

Dish towels are by the way, not the most softest material(therefore not so comfortable) that you place on your face, so consider doubling up with T-shirt/ Cotton material as lining.

Homemade Mask Materials Particle Capture Effectiveness

(Reference: https://smartairfilters.com/en/blog/best-materials-make-diy-face-mask-virus/)

Please stay safe, try covering your mouth/nose in public as the virus can live in the air more than 3 hours. We don't know if there was someone passed the area you just passed has potential of having the notorious virus.

Prayer to the end of all this...
God bless us all.




Go to my website for quick search! 


No Image 　
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410
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