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    • Useful info / Professional
    • 2026/02/18 (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)

    I should file Tax Return ？" ---Basics of U.S. Taxation that you may not know

    Should I File a Tax Return ？ The Basics of U.S. Taxation That You May Not Know"

    1. Introduction ： Unexpectedly many "people who really need to file a tax return"
    "Do I need to file a tax return? ？ "Do I need to file a Tax Return?

    - I received withholding tax in Japan …
    - I retired and my income is low …
    - My company is withholding …

    Many people think that they have to file a Tax Return （ tax return ） but they do not file it.
    However, failure to file can lead to serious risks later, including additional tax ・ penalties ・ and adverse effects on the immigration process.
    This article explains
    ✔ whether you are eligible for Tax Return
    ✔ and
    what the benefits of Tax Return are.

    2. What is Tax Return （ Tax Return ） in the first place ？
    In the US,
    • even if taxes are withheld from your salary
    • and your company issues W-2 or 1099
    the individual is still responsible for properly calculating and reporting his/her annual income to the IRS.
    The taxpayer cannot rely on the company to "do it all" and the ultimate responsibility is the taxpayer him/herself.

    3. Who "must" file a Tax Return ？
    （ Those whose income exceeds a certain amount Most typical ） （ See ： Image 1 ）
    Age ・ There is a threshold amount for each filing status and it is determined if the threshold amount is exceeded.
    • Salary
    • Self-employment income
    • Investment income
    • Foreign income
    All of these are included.

    (2) Self-employment （ sole proprietorship ） income in excess of $ 400 per year
    Uber, freelance, influencer income, etc
    → even if amount is small $ over 400, you are obliged to file a tax return.

    (3) Nonresidents with US source income （ 1040NR ）
    • Dividends from US investments ・ Interest
    • US real estate income
    • Studying abroad and taxable scholarship
    • Part-time work in the U.S.
    etc. must be reported on a 1040NR.

    Cases where even dependents or spouses with (4) ITIN need to file
    e.g. investment income or interest on US accounts.

    4. Conversely, people who are not required to file but "should" file
    (1) Withholding is too high → Refund is available
    Tax is taken from your wages If this is the case, you must declare it or you will not get it back.
    (2) Education Expenses ・ Child Credit
    • Child Tax Credit
    • American Opportunity Credit
    and other refundable credits that you must report to get. Credits are available.
    (3) People whose Social Security or Medicare records are affected
    Self-employed people who do not file risk having their future pension （ SSA ） reduced.

    5. Advantages of Filing a Tax Return
    Benefits ① Money Back （ Potential Refund ）
    It is not unusual for the amount returned to be several thousand dollars.
    Advantages ② Advantage in immigration process （ Visa ・ Green Card ）
    Failure to declare
    • Renewal of status
    • Green Card
    • Permanent Residency Application
    Many times you will be asked why you have not filed.
    Advantages ③ Reduce risk of later IRS investigation
    Not filing is the most dangerous situation.
    If you file a return, it is easier to prove if a tax audit comes later.
    Benefits ④ Past subsidies ・ Tax credit payments
    Corona benefits distributed during the pandemic （ EIP ） were not received because "people did not file a Tax Return. There were large numbers of people who "did not receive the benefits because they did not make a Tax Return. Some subsidies and credits can be received later by filing a Tax Return （ within 3 years ）.

    7. Summary ： Check with an expert to see if you are eligible
    Tax returns are becoming more complex every year, and it is easy to make a mistake if you do not have expertise in determining residency, bilateral taxation, credit systems, etc. It is very easy to make a mistake if you don't have any specialized knowledge.
    "I don't know if I need to file"
    "I feel like I have to file"
    If so, consulting with a professional can greatly reduce your risk of
    missing a tax refund ・ in the future.

    At Aohama Accounting Office, we can
    • diagnose whether a tax return is necessary
    • suggest the best way to file
    • 1040 ・ 1040NR ・ self-employment International student cases
    • Foreign income （ Including Japan ） We provide professional support for
    handling
    For a free initial consultation, please contact us via email ！ info@aohama.com

    TaxReturn会計タックス税金

    2025 Early Bird Special
    For more information, visit INFO@AOAHA.COM

    • Useful info / Finance / Insurance
    • 2026/02/14 (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)

    Feb 21 （ Sat ） DFA Application Preparation Seminar ＆ （ Japanese ） Home Buying Guide Free ｜ Refreshments included

    Real Estate and Loans Seminar
    Up to 20% Down Payment Assistance Loan Program Explained

    Date ： February 21, 2026 （ Sat ） 1pm ～
    Location ： Irvine （ Online Concurrent ）

    Seminar Overview

    CALHFA Offers FY 2026 Dream For All （ DFA ） Evaluation Benefit Sharing Program Application Period
    （ February 24, 2026 ～ March 16th acceptance ） is just around the corner.

    This program is very popular with first-time homebuyers who have difficulty making a down payment, as the state pays
    ・ up to 20% of the purchase price （ up to $150,000 ）
    ・ no repayment until the sale

    . This is a very popular program for first-time homebuyers who have difficulty making a down payment, and is based on a lottery system.

    In addition to the details of the DFA program,
    this seminar will explain the various down payment assistance programs available to those who do not qualify for the lottery, and
    the steps ・ to take when purchasing a home using these programs.

    Instructor

    Kana Makino （ Kana Makino ）
    Loan Officer
    WEST CAPITAL LENDING, INC
    NMLS#2504398 ｜ DRE# 02053858

    loan broker with over 140 partner financial institutions.
    We offer a wide variety of mortgage programs that banks do not offer
    ・ for investors
    ・ for the self-employed
    ・ for retirees with limited income and more.

    Guest

    Yuka Kato （ Yuka Katou ）
    California Certified Real Estate Agent
    TOGETHER REALTY
    DRE#02032261

    ・ Properties available on a budget
    ・ Features by area
    ・ Properties to look for ・ Regions and other useful advice for your actual property search. and other useful advice to help you find the right property.

    Seminar Content

    ■ DFA Down Payment Assistance Program

    ・ Program Details
    ・ Eligibility （ First Time Homebuyer definition, immigration status, household income limits by county, and more ）
    ・ Application Period ・ Application Process
    ・ Required Documents ・ Notes

    ■ Other Down Payment Assistance Programs
    ・ Assistance Programs Available without a Lottery System
    ・ Programs Available to Those Not Eligible for DFA
    ・ Requirements for Each Program ・ Required Documents ・ Procedures

    Home Buying Basics

    ・ Pre-Approval （ Pre-Approval ） Information Required ・ Documents
    ・ Home Search Tips, Target Properties
    Latest Real Estate Market Trends
    ・ Buying Process and Points to Note

    How to Apply

    Web Form （ QR Code on the right ）
    or Call Please apply by text.

    📞 949-266-7761
    📞 949-246-1862

    *Please register in advance due to the light meal to be served.

    不動産ローン住宅ローン住宅購入頭金支援頭金補助

    with light meal

    • Useful info / Beauty / Health
    • 2026/02/06 (Fri)

    FEB PROMOTION

    FEB PROMOTION

    • Useful info / Finance / Insurance
    • 2026/02/02 (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)

    Seminar on California's DFA Down Payment Assistance Program 2026

    California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers.

    ・ You don't have enough saved up for a down payment or closing costs
    ・ You were told the house you want is too expensive for your current income
    ・ You are worried about your monthly payments

    Good news if you have given up on buying a home because of these reasons ！

    CalHFA has announced the application requirements for its 2026 Drea For All (DFA ) Appraisal Gain Sharing Loan Program. Up to 20% of the purchase price （ up to $150,000 ） of which is paid by the state and not repaid until the time of sale, this program is very popular with first-time homebuyers who struggle to make a down payment contribution. Applicants must submit an application, including a pre-approval letter from an approved lender, by the end of the application period, and winners will be selected by random drawing to receive a voucher. Eligibility includes first-time homebuyers and applicants must be under the maximum household income limit. This seminar will provide detailed eligibility and application requirements, as well as a detailed explanation of this and other down payment assistance programs in Japanese.

    Date and Time ： February 3 （ Tuesday ） 5:30 - 7:00 PM
    Location ： Orange Island ・ Culture Salon
    17811 Sky Park Cir. # J, Irvine CA 92614
    *Simultaneous online sessions will be held on short notice ！

    [[Drea for All Registration Period]]
    2/24/2026 - 3/16/2026

    *This program is always very popular. Prepare well and apply so as not to be disqualified ！

    ⭐︎⭐︎ Participation is free, but seats are limited, so please register in advance ！ ⭐︎⭐︎

    [[Advance Registration Method]]
    *From the web form https://bit.ly/4qCxUuU
    *Email: kmakino@westcapitallending.com
    *Tel&Text: 949-266-7761

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    Light meal included ！.

    • Useful info / Finance / Insurance
    • 2026/02/02 (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)

    Seminar on California's DFA Down Payment Assistance Program 2026

    California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers.

    ・ You don't have enough saved up for a down payment or closing costs
    ・ You were told the house you want is too expensive for your current income
    ・ You are worried about your monthly payments

    Good news if you have given up on buying a home because of these reasons ！

    CalHFA has announced the application requirements for its 2026 Drea For All (DFA ) Appraisal Gain Sharing Loan Program. Up to 20% of the purchase price （ up to $150,000 ） of which is paid by the state and not repaid until the time of sale, this program is very popular with first-time homebuyers who struggle to make a down payment contribution. Applicants must submit an application, including a pre-approval letter from an approved lender, by the end of the application period, and winners will be selected by random drawing to receive a voucher. Eligibility includes first-time homebuyers and applicants must be under the maximum household income limit. This seminar will provide detailed eligibility and application requirements, as well as a detailed explanation of this and other down payment assistance programs in Japanese.

    Date and Time ： February 3 （ Tuesday ） 5:30 - 7:00 PM
    Location ： Orange Island ・ Culture Salon
    17811 Sky Park Cir. # J, Irvine CA 92614
    *Simultaneous online sessions will be held on short notice ！

    [[Drea for All Registration Period]]
    2/24/2026 - 3/16/2026

    *This program is always very popular. Prepare well and apply so as not to be disqualified ！

    ⭐︎⭐︎ Participation is free, but seats are limited, so please register in advance ！ ⭐︎⭐︎

    [[Advance Registration Method]]
    *From the web form https://bit.ly/4qCxUuU
    *Email: kmakino@westcapitallending.com
    *Tel&Text: 949-266-7761

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    Light meal included ！.

    • Useful info / Finance / Insurance
    • 2026/01/26 (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)

    2/3 （ Tue ） Emergency Seminar on California DFA Down Payment Assistance Program ！

    [Irvine Venue ＆ Online Concurrently]
    Up to 20% of the purchase price （ Up to $150,000 ） paid by the state and not repaid until the time of sale, this is literally a dream come true program. The application period is from 2/24 to 3/16; here are the eligibility requirements and how to apply.

    I can't because I don't have enough down payment
    I was told I can't buy a house with my current income
    I'm afraid of paying the loan

    Have you given up on "buying a house" for that reason ？

    Actually, I'm in the process of buying my first house. There is a state support program for first time home buyers.

    🌈 California Dream For All （ DFA ） and ？

    California's down payment support program for first time home buyers.

    Here's the key ！

    🏠 State support up to 20% of the price of the home
    （ Up to $150,000 ）

    💸 No monthly payments required ！ → You don't have to pay it back until you sell your home

    👨‍👩‍👧‍👦 For first-time home buyers

    "Those who couldn't afford to buy because they didn't have a down payment" every year in a very This is a very popular program.

    Free seminar （ All explained in Japanese ） ！

    "I'm worried about English …"
    "I don't understand how home buying works …"

    "I'm not sure about that. But don't worry 👍
    We explain the basics in Japanese in an easy-to-understand manner.

    ＜ Seminar contents ＞

    ・ DFA is really useful for me ？
    ・ How much house can I buy ？
    ・ What should I prepare? What do I need to prepare ？
    ・ What other assistance programs are available besides DFA ？

    ＜ Seminar Details ＞

    Date 🗓 February 3 （ Tuesday ） ⏰ 5:30 PM ～ 7:00

    Location📍 Orange Island ・ Culture Salon
    17811 Sky Park Cir. #J Irvine, CA 92614

    Simultaneously online on short notice Online participation is now available.
    If you wish to join online, please register from the same link. We will send you the Zoom link after registration.

    Free of charge ・ Advance registration required ⭐

    *Seats are limited

    ＜ Registration ＞

    🌐 Web ： https://bit.ly /4qCxUuU

    📧 Email ： kmakino@westcapitallending.com

    📱 Tel / Text ： 949-266-7761
    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending
    NMLS# 2504398 | DRE# 02053858

    Free ・ Advance registration required ⭐
    *Seats are limited.

    • 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)

    Seminar on California's DFA Down Payment Assistance Program 2026

    California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers.

    ・ You don't have enough saved up for a down payment or closing costs
    ・ You were told the house you want is too expensive for your current income
    ・ You are worried about your monthly payments

    Good news if you have given up on buying a home because of these reasons ！

    CalHFA has announced the application requirements for its 2026 Drea For All (DFA ) Appraisal Gain Sharing Loan Program. Up to 20% of the purchase price （ up to $150,000 ） of which is paid by the state and not repaid until the time of sale, this program is very popular with first-time homebuyers who struggle to make a down payment contribution. Applicants must submit an application, including a pre-approval letter from an approved lender, by the end of the application period, and winners will be selected by random drawing to receive a voucher. Eligibility includes first-time homebuyers and applicants must be under the maximum household income limit. This seminar will provide detailed eligibility and application requirements, as well as a detailed explanation of this and other down payment assistance programs in Japanese.

    Date and Time ： February 3 （ Tuesday ） 5:30 - 7:00 PM
    Location ： Orange Island ・ Culture Salon
    17811 Sky Park Cir. # J, Irvine CA 92614
    *Simultaneous online sessions will be held on short notice ！

    [[Drea for All Registration Period]]
    2/24/2026 - 3/16/2026

    *This program is always very popular. Prepare well and apply so as not to be disqualified ！

    ⭐︎⭐︎ Participation is free, but seats are limited, so please register in advance ！ ⭐︎⭐︎

    [[Advance Registration Method]]
    *From the web form https://bit.ly/4qCxUuU
    *Email: kmakino@westcapitallending.com
    *Tel&Text: 949-266-7761

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    Light meal included ！.

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