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    How to leverage technology for personal investing

    Editor’s Note: Technology is affecting virtually every aspect of our lives.  It is disrupting how we shop, how we eat and sleep, how we travel, how we interact with each other, and, of course, how we manage our finances. Today’s column features the latter. I recently met up with renowned local financial planner J.R. Robinson, to ask him what he sees as some of the most disruptive and/or useful consumer technologies or apps for personal financial planning. For those of you who don’t know J.R., he is the owner of Financial Planning Hawaii and is co-founder and CEO of Nest Egg Guru, a subscription-based suite of applications that is marketed to independent financial advisers. 

    J.R. has published numerous research papers in peer-reviewed academic journals and his commentary and articles are regularly featured the national financial news media. Earlier this year, leading consumer finance site Investopedia included J.R. among the top 100 most influential financial advisors in the U.S.  I met J.R. a couple of years ago, when Nest Egg Guru was going through the BlueStartups Accelerator program, and find him to be a valuable and insightful resource on all topics pertaining to consumer finance.

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    To begin, I asked J.R. what he sees as the biggest changes in technology as it relates to personal finance.  Although my query was intentionally broad, his response was both specific and surprisingly frank in terms of the disruption that is occurring with respect to the traditional financial advisor-client relationship. According to Robinson, prior to the rise of the Internet there was a significant asymmetry in the knowledge base between advisors and their clients.  Today, however, consumers are much more knowledgeable and sophisticated about financial planning and investments than they were even a decade ago.  As a result, consumers are increasingly demanding fee transparency and a clear, tangible delineation of the value they can expect to receive in return for the expenses they pay.  Additionally, consumers are increasingly rejecting the book-length, boiler-plate, jargon-filled books that “all-knowing” advisors have traditionally passed off as so-called “financial plans.” Instead, consumers today want to be educated and engaged in the planning process on an ongoing basis, and that, he says, “is a good thing.”

    I then asked him to provide some specific examples of technologies or applications that are having disrupting and enhancing the personal finance landscape.  Here are five of his favorites –

    • The iPhone – This could, of course, be expanded to “smart phones,” but the fact is that Apple created and still dominates the smart phone space. In J.R.’s opinion, history will record the iPhone’s contribution to societal change as similar to the impact of the automobile, air travel, and the light bulb.  This pocket sized device touches virtually every aspect of modern life and has gone from nothing to literally billions of users in a little more than a decade. In terms of personal finance, virtually every financial task from bill-paying to deposits to purchases to borrowing and lending to investing can be done from an iPhone. This handheld device is often the command center for all consumer finance activities.  It is almost indispensable.
    • Aggregation Software – This is one of the unsung heroes of personal finance tech. These applications enable users to link bank accounts, investment accounts, credit cards, insurance policies, and 401(k)s to appear and regularly update in a single centralized view. The ability to gain a 360 degree view makes it much easier to organize, monitor, and maintain one’s financial plan.  The best known aggregation app in the consumer space is Intuit’s com. Mint has been around for years and is among the most widely adopted DIY planning tools. It includes budgeting and bill payment functionality, investment tracking, alerts, and even free credit scores.  It receives high marks for its ability to make connections with virtually any financial institution.  If there is a knock on Mint, it is that some users may experience sensory overload from ad-driven communications, and the free “advice” is often stilted toward driving users to sponsor relationships. J.R. says that many financial planning professionals subscribe to what he describes as a “grown-up” equivalent to Mint that is devoid of the advertising influence and that includes such features as document storage, financial planning applications and reports, and insurance policy tracking.

    • Password Management Software – The proliferation of personal finance apps has driven the need for applications that allow users to securely manage and store their passwords for each application. Today, virtually everyone who uses a smart phone needs to have an app to keep track of their scores of usernames and passwords.  Leading apps in the space include LastPass and Dashlane, but there are many others as well.  R. says he subscribes to an app that allows him to offer white labeled password management software to his clients as part of his basic planning service.  He says that it makes sense for financial planners to offer password management apps to clients because the planner’s website is often the hub of their clients’ financial plans and because it is a value-added service that they appreciate.

    • Fitness Watches – This may seem entirely unrelated to consumer finance, but as J.R. explains, unexpected medical and long term care expenses are among the greatest threats to financial security in retirement. There is abundant research to show that improvements to diet, fitness and sleep can dramatically reduce the incidence of cardiovascular disease, adult onset diabetes, and a slew of other age related ailments.  These are all areas that fitness watches track, but the what makes them revolutionary is that they make the previously mundane and arduous task of tracking diet, sleep, and exercise engaging, even addicting.  Many of the applications that accompany these devices provide gentle reminders to get moving, provide positive affirmation when goals are met, and provide automatic reporting of daily, weekly, monthly and yearly progress.  In short, they make it fun and easy to stay disciplined and to successfully adopt a healthier lifestyle.  Leading players in this space include Apple, Fitbit, and Garmin, but there are others as well.  R. noted that some insurance companies are even providing free fitness watches to policy holders and providing premium discounts for certain levels activity that are recorded on the devices.

    • Acorns – This app falls into two fintech sub-classifications. It is both a micro-savings app and an automated trading platform (a.k.a. “robo-advisor”).  Users link a credit card or a bank account and each time a transaction is made, the app automatically takes the amount needed to round it up to the nearest dollar and invests it in diversified ETF model portfolio.  The cost is just $1 per month or .25% per year for balances over $5,000.  JR’s attraction to this app is as a tool to engage and educate younger investors about saving and investing.  For those who are charitably inclined there is a slew of micro-savings apps that, instead of investing rounded-up amounts, allocate the “spare change” to the user’s cause of choice.  Apps in this space include Bstow, Drops, and CoinUp.

    As an aside, J.R. also noted that there has been an enormous proliferation of personal finance apps over the past few years.  There are dozens of micro savings apps, budgeting apps, and robo advisor platforms.  It seems likely that competition and thin margins will likely thin the herd over time.

    Community invited to honor Gold Star Mothers, Families Sunday Sept 24 at Punchbowl

    The Army invites the community to join in a special ceremony honoring the mothers and families of fallen service members, Sunday at 1 p.m., at the National Memorial Cemetery of the Pacific.

    The ceremony takes place on Gold Star Mother’s and Family’s Day, which is observed on the last Sunday of September in the U.S. This special day highlights our nation’s commitment to remember, respect and honor the sacrifices of the Fallen and their families.

    During the ceremony, Gold Star mothers and families will place lei and the boots of their loved ones at the foot of the Lady Columbia statue. Lady Columbia overlooks the cemetery and watches over the Fallen, representing all grieving mothers of the Armed Forces.

    The term “Gold Star” originated during World War I. Americans displayed flags in homes, businesses, schools and churches bearing a blue star for each family member serving in the military. Families stitched a gold star over the blue star to honor those members who died during military service.

    Today, Gold Star families include anyone whose loved one has died while serving in the Armed Forces. The Army recognizes the courage and sacrifice of its Gold Star families and is committed to providing them ongoing support through local Army Survivor Outreach Services offices.

    ThinkTech: Business in Hawaii with Reg Baker – Quarterly Commentary

    What a fast paced information packed session this was!

    We touched on what a forensic audit is and why we need one for the Rail. And the sooner the better!! Otherwise we will continue to make the same mistakes over and over again.

    Also discussed the foreign bank account reporting deadline (many need to file and don’t even know it), the dreamer fiasco, infrastructure projects and the labor shortage (the last three are all related).

    Kuhl pants review

    “Crossover” wear, clothing that can be worn in the wilderness, at home, at work and on social occasions is the rage these days. High-end brands such as Kuhl have become popular with everyone from hikers to secret service personnel. This style of wear is better tailored and more durable than run of the mill “tactical” clothing. They are also more expensive.

    In this post, I update on two pair of Kuhl pants after eight months of constant wear. During those months, I kept asking two questions of the pants: Is design-for-flexibility worth the extra cost? How well do the pants really hold up?

    The Disruptr

    The fabric on this pant at first felt heavier and thicker than my climate-matches-clothes mantra might allow. These pants are soft, durable feeling and especially suited for cooler climes. But, because they are black, flexible with stylish seams, I wear them out at night.

    Over the last 8 months, I’ve danced up a storm at popular Honolulu night spots, such as Ong King, Downbeat Diner or Bar35. Yet these pants keep the chill at bay sitting quietly in a café with my book, outdoors on cool evening walks or, at the theater paired with an attractive aloha shirt and some 3-d printed shoes (more about those in another article). The slanted seams and knee gussets say, these are not just any kool jeans—these are Kuhl threads.

    Gussets, white stitching and flexible fabrics combine to provide a comfortable bend, especially a post-event stroll.

    When it rains in Honolulu, the Disruptr’s unique blend wicks moisture, keeping me cool and dry. Don’t get them soaking wet though, they still absorb a bunch of water. While it’s clear this is a denim, its not stiff and heavy. Because of the designed in 360-degree flexibility, when you put them on, they adapt to your function and form. Flexibility comes from spiral yarns that provide strength and when stretched, recover quickly by bouncing back to original shape.

    I found they also work for more formal settings such as Meet-ups or cocktail hour at the Pacific club. Indoors, the Disrupter pants also kept me warm in frigid air conditioning and were a welcome buffer between cold hard seats and my body. One day I’d like to test if they are flexible enough for parkour.

    A cell phone pocket located more posterior on the leg holds up to the multiple inserts and removals.

     

    Other unique features of these pants are the cinchable leg hem, just in case you were riding a horse or bicycle, and the mid-leg hard-to-see cell phone pocket. It’s conveniently out of your way by being holstered on the side of the leg between the hip and the knee. You won’t be able to quickly pull your cell out of the pocket, but that is also a benefit when jogging or walking quickly, as you will find you may comfortably do in these pants.

    How well have the Disruptr pants held up? Well, I’ve washed them more than 20x during that 8-months and they just keep getting more and more comfortable. There is no sign of wear on the pants, except at the heel hem where the length has been chaffing against the ground or my shoes. Even that is not significant though I expect much more intensive wear in the coming rain-soggy months.

    Often the hem of jeans type pants wears quickly. After 8 months, no wear visible.

     

    More good news, for those who like to iron, the pants will hold an ironed seam. Because I wear them for social occasions, I’ve not tried them as outdoor work pants, in the fields, in mud, or water. I suspect the Disruptr in water would be quite heavy, given the denim base fabric.

    For urban wear these pants surprise with their comfort and durability. If you can afford multiple pairs, then you could also rationalize using them as work pants in colder climes such as scrambling over a glacier, flying bush in Alaska, or winter ultimate frisbee.

    The Radikl

    The second set of pants I’ve been wearing, is the Radikl from Kuhl. This is the most comfortable pair of hiking/walking pair of pants I own.

    The two pants, Radikl and Disruptr, share common design features, such as crotch gussets, flexible fabrics, button and snap waist latch, and articulated knee panels. However, as crossover wear, they are quite different from each other.

    The Radikl is a light cool comfortable multi-purpose pant; the ultimate in TactiKool

    While the Disruptr is a durable denim fabric for cooler climes, the Radikl is a lightweight exo-skeleton frame, fleshed out with combinations of woven cloth, connected to flexible, strategically placed knit panels. What you get is a super comfortable lightweight pant with ultra-flexibility, durability and comfort, especially in hot or humid weather.

    The Radikl is perfect for walking or biking to work followed by a Friday night in Chinatown or Waikiki.

    Like the Disruptr, I wear them socially, to lunches or midday events when the outside temperature is tropical, but the inside temperatures are arctic, as so many business spaces are unnecessarily kept frigid by building managers.

    I’ve been wearing the Radikl on hikes, bikes or on cool mountain pau hana gatherings. Climbing over rocks or up-hills, I’ve never felt a restriction of my movement. I wore them to yoga once and was happy with how cool and flexible I felt. These pants are so lightweight you definitely will be surprised.

    Located at key points of contact and flexion – crotch, yoke, front pockets, and side panel from waistband to just below the knee – the knit panels create the feel and freedom of movement of shorts, yet its an ankle pant. While moisture has few places to form anyway, the rest wicks away from your skin. Natural movement circulation and evaporative wicking cool your skin, leaving you feeling refreshed and comfortable.

    While these pants are great at wicking, getting them entirely wet will disappoint you. While they would be lighter wet than the Disruptr would be, the Radikl still  holds a significant amount of water. Another tip, scraping and sharp edges can puncture the knit fabric or exo-skeleton of the Radikl. While I’ve noticed chafe marks on the material near the knees and on the sides of the pants in addition to some hem fraying, at 8 months, no holes or significant wear in either pant.

    Between the two, the Radikl are my favorite pants to wear to volunteer with the Hogan Entrepreneurial program. The Disruptr is my favorite pant to wear to Honolulu Symphony, Sierra Club pau hana, or GreenBiz.


    Rob Kay contributed to this article.

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    For more stories, visit robertkinslow.com

    Legislature with U R Missing

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    This week, I was inspired by a sign on the First Baptist Church on Pensacola Street here in Honolulu.  Their sign read, “CH _ _ C H – what’s missing?   U R !”

    If you take away “U R” from “CHURCH,” you are left with “CHCH,” which isn’t even a word.  Apparently, the point there is that the church isn’t a church, and in fact has no meaning, without the people participating in it.

    Now, what happens if we apply that same concept to “LEGISLATURE”?

    “U R” missing from “LEGISLATURE” yields “LEGISLATE,” which means “to make laws.”  This is quite different from the situation with “CHURCH,” because the remaining letters do have a meaning.  And that meaning is significant.  Why?  You don’t need the people’s participation to legislate.   Legislatures don’t have a monopoly on legislating.  Kings and tyrants do it too.  The Law of the Splintered Paddle, a legacy of King Kamehameha the Great here in Hawaii, is a very famous law here, now enshrined in the Hawaii Constitution at Article IX, section 10.   That law was not voted on by a house, or senate.  It was decreed.  By one person.

    A legislature, which is one of the key components of our form of government, also legislates.  But there is supposed to be ample opportunity for public participation, because those who framed our system of government believed that this participation was indispensable to the process of legislating.  Lawmakers get input from those with many different viewpoints and backgrounds, including watchdog groups like the Tax Foundation of Hawaii.  That input and those viewpoints can be used to craft better legislation.

    I say that there is “supposed to be” opportunity for participation because legislation doesn’t always happen that way.  Public participation either can be squelched or cut off by those doing the governing, or it can wither and die because we in the public don’t want to participate.  If participation is limited or barred, those doing the governing become no different from the kings, dictators, and tyrants.  Sometimes they do come up with good, wise, and enduring laws, as was the case with Kamehameha the Great.  But sometimes those leaders have issues like unfairness and corruption, and occasionally come up with laws that serve themselves rather than their constituents.

    If public participation isn’t there because people don’t want to participate, we get to the same result.  The people who are doing the legislating have fewer effective checks and balances, and it’s easy for them to get used to not being held accountable.  That leads to the same issues of unfairness, corruption, or self-serving legislation.

    What form of government would you rather have doing the legislating?  Shouldn’t you care about participating in the process as opposed to just being aghast when you find out the results?

    “LEGISLATURE.”  It’s so much better with (when) “U R” included.

    ThinkTech: Business in Hawaii with Reg Baker

    We have amazing talent and experience right here in Hawaii if we only take the time and look for it. Sometimes we get too caught up with what is happening on the mainland (which we have no control over) and we lose sight of what is happening right here in our own backyard (which we can control).

    Ray Tsuchiyama has vast international experience and a global perspective. He is also a “local” having grown up in Kalihi and graduated from Farrington High School. His perspective is refreshing and valuable for Hawaii to move forward and address the numerous issues she faces today.

    Take a few minutes and listen to what Ray has to say about Hawaii from a global perspective and a large dose of international experience.

    Rail: Heads We Win, Tails You Lose

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    The tax bill moving through the Rail Special Session contains one provision that, to me, sticks out above the rest as a “Heads We Win, Tails You Lose” proposition.

    As you may remember, the Tax Foundation sued the State, contending that the “10% Skim” that the State helps itself to off the top of the county surcharge collections is grossly excessive and unconstitutional.  The suit is still pending in the court system.

    The special session rail bill, SB 4, provides that if the Foundation wins and the State is ordered to refund money to the City, then the State will scoop the same amount of money from the City’s share of transient accommodations tax money, and keep it in the State general fund.

    To understand what this is like, imagine if you were driving to work one day and a State vehicle rear-ends you.  Crash!  You incur $10,000 in damages, including car repair charges, medical bills, and the like.  You sue the State.  But before the judge can rule, the legislature passes a law that says if the court rules in your favor and you recover any money, there will be a special tax in the same amount that applies just to you, so that you must pay back every dime that the court says you are entitled to.  “We need to protect the State’s revenue,” the legislators say.

    Fortunately, our state constitution provides an answer:  They can’t do that!  It says, “No laws shall be passed mandating any political subdivision to pay any previously accrued claim.”  A lawsuit is the classic example of a previously accrued claim.  Party A says the State did something bad in the past.  Party A then files a claim to ask the State to make it right.  The State refuses, and Party A takes the case to the court system.

    The historical records say that the framers inserted this provision “to curb some legislative practices found obnoxious by local units. One of these practices is compelling county government to pay accrued claims.  This form of legislation it was urged, usurped the judgment of the courts and interfered unnecessarily with local affairs and finances.  It was for the purpose of preventing such continued practice that the sentence, ‘No laws shall be passed mandating any political subdivision to pay any previously accrued claim,’ was incorporated into the provision on local government.”  Proceedings of the Constitutional Convention of Hawaii, vol. I, Committee of the Whole Report No. 21 (1950).

    This provision was left intact through the Constitutional Convention of 1978, and is now in Article VIII, Section 4 of our constitution.

    That lawmakers have even considered “heads I win, tails you lose” legislation is profoundly disturbing.  Even more disturbing is that they passed it and it is expected to be signed into law.

    To be sure, our state is not alone.  Other states have recently used their legislatures to upend the civil justice system.  We previously have written about a case in the State of Washington where the legislature nullified a taxpayer victory in court by rewriting the law 27 years retroactively.  Retroactive tax laws that unwound taxpayer victories were also enacted in Michigan, Gillette Commercial Operations North America v. Michigan Dept. of Treasury, 878 N.W.2d 891 (Mich. Ct. App. 2015), and New York, Caprio v. New York State Dept. of Revenue & Taxation, 25 N.Y.3d 744 (2015).  The U.S. Supreme Court declined to take up these cases, but of course that doesn’t mean the Court approved of them.  It certainly does not make them right.

    It’s been said that legislation is the art of compromise.  But what possible compromise could have given rise to this provision?  We elected our legislators to use their sense of justice and fairness, not to leave it behind when they walk into the Capitol.

    ThinkTech: Native Hawaiian, Woman Owned, SBA Success Story

    Aloha –

    So good to be back and in the saddle again.  Had a fantastic show with Lia Hunt Young of Goldwing Supply Service and Dennis Wong from Hawaii National Bank.  Two very dynamic individuals. 

    Lia’s company is a Native Hawaiian, women owned, 2nd generation and SBA Certified small business success! Very impressive story of taking over a company and making it grow and compete.  

    Everyone have a great weekend and see you next week!

    Take a culinary tour of Malaysia with Christina Arokiasamy

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    Hawaii Reporter had the opportunity to interview chef Christina Arokiasamy, author of The Malaysian Kitchen: 150 Recipes for Simple Home Cooking , a new cookbook published by Houghton Mifflin Harcourt New York.

    Arokiasamy provides a tempting selection of Malaysian delights in this collection of recipes  which are influenced by the country’s main ethnic groups—Malay, Indian, Chinese, Nyonya, and Portuguese.

    The book also includes a primer on Malaysian history and, a detailed chart that describes taste, aroma and health benefits of the spices and herbs you’ll need for your kitchen. I found this particularly valuable. (Hawaii residents have a leg up on mainlanders because it’s possible to grow many of the ingredients Arokiasamy lists, in our backyards. For example I grow ginger, curry leaves, limes and a few other items).

    A former resident of Oahu, the author was raised in Kuala Lumpur. Among the high points in her CV was a stint as Malaysia’s first official Food Ambassador to the U.S. Formerly a chef at various Four Seasons resorts, she now teaches cooking classes in the Pacific Northwest, where she lives with her family.

    Reading the book brought back great memories of Malaysia which has amazing hospitality. I can’t wait to get back to see old friends, make new ones and dig into the food.

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    Q: Kudos on a great book. You mention in your introduction that you spent some time in Hawaii. Can you talk about that? 

    In 1994, when I migrated to the United States, I settled for the stunning ocean views and plumeria trees in Makakilo then moved to Kailua on the beautiful windward side of Oahu, Hawaii. I was pleasantly surprised to see the ingredient in Malaysian cuisine growing on trees in people’s yard in Hawaii. Rambutan, coconut and makrut lime trees looked exactly like the ones I had in my own back yard in Malaysia. My favorite was the well acquainted Moringa Tree, with its bright green leaves growing so naturally in people’s yards. Moringa or drumsticks in Malaysia, are integral part of my family’s diet for years. We would pluck and cook these delicious foot long bean pods with lentil in a dish called sambar.

    I will never forget when I first made rendang; braised beef with lemongrass coconut sauce and my Hawaiian neighbors remarked “is there a restaurant nearby” because of the fragrant aromas of galangal and coconut from my kitchen drifted into the air.

    Over the years, I feel blessed to have great friends, my ohana in Hawaii. I remember spicing up Huli Huli chicken marinade with a touch of chili sambal as the chicken cooked away on the hibachi. Dessert was often Malaysian coconut binka or Haupia as they call it in Hawaii. The flavors were incredible. Everyone had seconds… of everything.

    Rojak, my all time favorite Malaysian dish. There’s a recipe for this in the book. (photo by Rob Kay)

    Q: How does Malaysian cuisine differ from other SE Asian styles of cooking?

    While many of the foods found throughout Southeast Asia use spices such as turmeric, chilies, cumin, coriander and cardamom, Malaysian cuisine combines these spices with aromatics such as galangal, lemongrass, ginger, tamarind and curry leaves to create a deeply-layered, complex flavor without the spicy heat of other Southeast Asian cuisines. As the center of the world’s spice trade in the 15th century, Malaysia became a unique melting pot of Malay, Chinese, Indian and Nonya cooking styles. Malaysian food combines the best of these flavors into a single cuisine.

    Q: What would you say are the signature dishes of the Malaysian Kitchen?  Do you have any favorite recipes in the book?

    I have incorporated wonderful tropical ingredients and aromatics in stir-fries and fried-rice, noodles dishes, satay to seafood in my cookbook. There are so many Malaysian favorite signature dishes to choose: Penang Wok- Fried Char Kway Toew noodles, Nasi Lemak Coconut Rice with Sambal and Turmeric Fried Chicken, Hainanese Chicken Rice infused with ginger sesame sauce, Curry Laksa in Galangal Coconut Broth, Malaysian Chili Prawns, Satay-Style Marinated Lamb in sweet shoyu sauce, Mee Goreng, a Malay Indian stir-fried noodles in spicy peanut sauce to Five-Spiced Barbeque Pork. These are just a few to mention in this 150-recipe volume cookbook. At home, you will find yourself loving these cooking styles as they are easy to follow and the flavors are irresistible.

    Rice Noodle and shrimp–seafood in Malaysia is fantastic.

    Q: You mention that the most “beloved salad” in Malaysia is rojak. I really enjoyed it too while in Ipoh. Can you recommend other street foods that a visitor might want to try?

    I like for everyone to try the Malaysian-style hamburger called Roti John (page 220). This roti first appeared in the ‘60s when an Englishman asked a Malaysian hawker for a hamburger. Having no hamburger to offer, the hawker had the ingenious idea to fry minced lamb and onions with eggs into a loaf. Thus, Roti John was born but the dish did not have an official name. The street vendor gave the scrumptious sandwich to the Englishman and said, “Silakan makan roti, John.” This translates to “Please eat this bread, John”.

    Portuguese Debal Prawn has its origins in Goa but has found a home in Malacca, Malaysia’s former Portuguese settlement.

    John is the name given to Westerners in the region. Our legendary “John” loved the panini-like sandwich, filled with meat, egg and onion mixture and thus it became part of the Malaysian street food scene.

    Also, there is a 5th generation Rojak vendor in gurney drive Penang, who cuts the fruits and vegetables into small, uneven chunks and serves his specialty in disposable plates to hungry patrons everyday. Hawaiian favorite sweet tropical pineapples, tart green mangos, papayas and cucumbers which are tossed in a tangy sauce made of palm sugar, tamarind, glistening black molasses paste and coarsely ground peanuts. Another favorite is Miniature Fried Rolls (page 244) like Lumpia a popular snack often eaten on a journey home after work. Chicken and Sweet Potato Curry Puffs (page 242) a savory snack during afternoon tea. All these delicious recipes are found in the Malaysian Kitchen Cookbook so home cooks can cook and enjoy with more authentic taste than eating it in a restaurant.

    Shoppers at Pulau Tikus market, Penang

    Q: You mentioned the influence of Portuguese in Malaysian cuisine. As you know there are many descendants of Portuguese in Hawaii. Can you recommend a destination for a Hawaii visitor to sample Portuguese-influenced dishes?

    Malacca would be an interesting place to visit despite the scorching heat of the afternoon sun. This is where it all started when Malacca fell into Portuguese rule in 1511. The Portuguese came to the East to capture the spice trade led by Alfonso de Albuquerque. They built a fort called Formosa to protect their fleet and to expand their domination over the spice trade. Not too far from the historical Formosa is the “Portuguese community settlement, where the descendants still speak creole and name their quaint restaurants after their last name such as “Sequiera, Aranjo, Pinto, San Pedro and Da Silva”. In these restaurants, the Portuguese-influenced dishes are flavored with common ingredients such as chilies, soy sauce and vinegar. Some of my favorite classic recipes are vindahlo. The name vindalho is derived from the Portuguese dish named Carne de vinha d’alhos, which is meat that has been marinated for hours in garlic and wine and cooked to a stew. It’s quite tasty.

    Kopitiam or coffee shop in George Town, Penang, where you’ll find an array of restaurants offering every one of Malaysia’s ethnic specialties. 

    Q: You said in your book that Malacca was your favorite place for seafood. Can you elaborate on that? Got any other suggestions for seafood lovers?

    A boulevard of Portuguese seafood stalls can be found on Danjaro Street, a place you won’t find in tourist guide books. This place goes back in history as early as 1930s, when a British Resident, at the request of a French missionary, allowed the establishment of a fishing village of wooden huts in an area of swampy land next to the sea. It was originally called St. John’s Village and became a bastion for those with Portuguese ancestry to preserve their religion, language, culture and traditions. Fiesta San Pedro “feast of Saint Peter” is celebrated each year here to showcase the bounty of the sea. They make tasty Debal Prawns, buttery tasting prawns infused with the tangy chili sauce which is simply addictive. Then there’s Malaccan Portuguese Spicy Halibut Soup with Great Northern Beans. These are my favorite recipes are found in the seafood chapter and will provide the home cook a gastronomic experience that traces the journey of the Portuguese in the 1500s from Portugal to Goa to Malacca.

    Q: Can you recommend any destinations for Indian cuisine? What about local Indian dishes that we should sample while visiting?

    There is a suburb called Brickfields or little India in Kuala Lumpur, again another destination never mentioned in tourist guidebooks. As a child, my father used to take our family to Brickfields every Sunday to enjoy simple staple dishes like dosa or griddle rice pancakes with lentils and fish curry. In Brickfields, the curries are cooked with masalas and fragrant curry leaves in clay pots the old fashion way insisted by the Malaysian Indian community. Dishes such as Lamb Korma, Butter Chicken Masala, Tamarind Fish Curry, Cabbage with Curry leaves are served smorgasbord style at the famous “Banana Leaf Restaurants” throughout the country.

    Making char koay teow, Pulau Tikus, Penang

    Q: Our publication published a piece on the cuisine of Ipoh (Eating Your Way Through Ipoh) which had a wonderful array of Malay, Indian and Chinese dining. Can you recommend a destination where a visitor could sample any number of local dishes?  

    I think this would-be Penang, a little island situated off the northwestern coast of Peninsula Malaysia fronting the Indian Ocean. Penang is Malaysia’s culinary capital, and I share stories about Culinary and the splendor of Penang in my cookbook. The street food, or hawker food, as it’s locally known, is part of the fabric of the city. Here you can sample a variety creation that attract food hunters and tourists alike. Each dish is created with influence of Indian, Chinese, Nyonya and Malay cultures ingredients.

    The author, Christina Arokiasamy, teaching one of her cooking classes.

    Q: Let’s say a visitor would like to combine taking cooking classes on a visit to Malaysia. Can you recommend some cooking schools in KL or perhaps other destinations?

    Hawaiian foodies might like to join me sometime in my personalized culinary tours I lead to Southeast Asian Destinations. Many of the people that teach do not necessarily have a cooking school but do this out of passion for the cuisine in the homes. I always say the best foods comes from multi-generational cooks who have handed down their time-honored recipes and cooking style from one generation to another.

    Q: Any other comments or suggestions for visitors who would like to get most out of their culinary experience in Malaysia?

    I have woven captivating stories about food vendors and created these authentic recipes in the street food chapter and Malaysian cuisine for the American cook in The Malaysian Kitchen cookbook. For those food lovers who don’t mind travelling a shorter distance can learn to cook these handed down dishes along with me in The Spice Merchant’s Daughter Cooking School in Kent, Washington State.

    Air Asia now serves Honolulu (via Osaka). It’s about 16 hours to get there but well worth the effort.

    Getting to Malaysia

    Conclusion: It’s hard to find destinations that haven’t been tromped and stomped over by tourists. If authenticity is important in your culinary explorations, a visit to Malaysia will not disappoint.

    Getting there:  The least expensive way to get to Malaysia from Honolulu is via Air Asia, which just began service to Hawaii this year. It’s a no frills carrier that operates scheduled domestic and international flights to 100 destinations in 22 countries.

    I flew this carrier two years ago, before its Hawaii service began and was very pleased. Service was great, flight attendants were efficient and friendly. Food was tasty and a vegetarian Indian curry cost an extra $8.

    A round trip flight between Honolulu and Kuala Lumpur is currently around $800. Once there you can easily grab a flight to Penang, Ipoh or one of the other culinary destinations. Malacca is a short bus ride from Kuala Lumpur.

    They offer several types of Y class fares and we opted for a slightly higher “premium” class that allows one to change dates without paying a penalty. It came in handy because we need to extend the trip.

    Travel photos of Penang courtesy of David Hagerman. Food shot (except for rojak photo) goes to Penny De Los Santos.

    Reg Baker Report from Washington DC

    Aloha –

    I just returned from spending a week in Washington DC. Although Congress was on recess and many of the President’s Senior Administrators were traveling with him in Texas due to Harvey, we were able to get a lot done during the SBA’s Regulatory Fairness Board Meetings and Testimony’s.

    I was able to help coordinate The Grassroots Institute testimony on the harmful effects of the Jones Act by Keli’I Akina, President of Grassroots Institute and OHA Trustee. I was also able to represent the four Liquor Commissions of Hawaii on the tax clearance issues they have been dealing with for several years (and got the issue resolved I might add). Please see the link below for more details on a very successful Board meeting and updates on all the help the current administration will be offering to the small businesses nationwide.

    Reg Baker Blog

    Due to a technical issue beyond our control, last week’s Business in Hawaii with Reg Baker was not uploaded to YouTube. This is being fixed and we should have the link within a day or two. After it is uploaded, you will be able to find it by clicking this link (as well as over 100 previous Business in Hawaii Shows) –

    Business in Hawaii with Reg Baker Playlist

    All the best until next week!

    PS – so good to be home!!