Page 4 Friday, June 5, 2020
THE GARDEN ISLAND
www.thegardenisland.com
Got House?
Julie Black, Principal Broker & Owner (808) 652-6174 with daughter Kela Caspillo, Realtor Sales Person (808) 652-6173 kauaidreams.com
Featured Homes
Kapaa Henriques Estate #5 A rare opportunity to purchase over an acre of vacant land, a flag lot zoned R-6, consisting of both flat land & hills with some mature fruit trees. The water meter is already installed. This is a 5-unit Condominium Property Regime (CPR) and the first time sale of this property! MLS #633180; $350,000 Call: Kela Caspillo, RS (808) 6526173 Kauai Dreams Realty, with questions and for showings.
Average 30-year mortgage rates rose slightly to 3.18% ASSOCIATED PRESS BALTIMORE — Long-term mortgage rates increased slightly as the U.S. economy showed signs that the worst of the coronavirus-fueled recession may have passed. The average interest charged on a 30-year mortgage was 3.18% this week, up from 3.15% a week ago, according to a report Thursday by mortgage buyer Freddie Mac. That average is down from 3.82% a year ago. The economic collapse following the COVID-19 outbreak has corresponded with a decline in mortgage rates. But there are signs that the economy may have already bottomed as government data shows that applications for jobless aid — though still historically high — are steadily falling.
US productivity falls in first quarter ASSOCIATED PRESS WASHINGTON — U.S. productivity fell at a 0.9% rate in the first three months of this year, a smaller decline than first estimated, while labor costs rose at a slightly faster pace. The Labor Department reported Thursday that the first-quarter decline in productivity was smaller than the initial estimate a month ago of a 2.5% drop. Labor costs rose at a 5.1% rate, slightly faster than the 4.8% increase first reported. Productivity, the amount of output per hour of work, has lagged over the past decade, a troubling development that economists have been unable to adequately explain. Productivity is the key to rising living standards, and the slow pace of growth in recent years has been a major reason that wage gains have lagged. The revision to the productivity figures followed last week’s revised data on the performance of the gross domestic product, the economy’s total output of goods and services. The government said GDP fell at an annual rate of 5% in the first quarter, slightly worse than the 4.8% decline that was estimated a month ago. While the first-quarter revision in productivity was stronger than many economists had expected, they cautioned that the economic disruptions caused by the coronavirus would likely keep productivity at sub-par levels in coming quarters.
DO THE MATH
Buying a home now may be more affordable and save some cash
BRANDPOINT
At a time when the strength of the U.S. economy and personal finance is on most renters’ minds, low down payment mortgage options are more appealing than ever. With mortgage interest rates being at historic lows, it is possible to qualify for a home loan while keeping a rainy day fund. Private mortgage insurance (MI) has been around for decades and helped over 1.3 million homebuyers last year. It is a temporary cost that allows for a down payment as small as 3% of the purchase price. While some borrowers wait until they save 20% for a down payment, the added years of saving can translate to higher interest rates and more expensive home prices. “Renters who are on the hunt to buy should do the math and consider what is best for them, because many times they will find that buying with a low down payment insured mortgage is in their best interest. It may enable them to attain homeownership sooner than they otherwise could, which helps them take advantage of historic low rates and keep some of their savings intact,” said Lindsey Johnson, President of U.S. Mortgage Insurers (USMI). If you are one of these renters looking to buy your first home but don’t have 20% down, don’t worry, you are not alone. According to the National Association of Realtors, the median down payment in 2019 was 6% for first-time buyers. It is true you can qualify for a
credit score at today’s MI rates, your monthly MI payment would be about $115, which is added to your monthly mortgage payment until the MI can be cancelled. MI typically cancels after five years. With home price appreciation, today’s $275,000 home will likely cost more in the years ahead. How can buying now save This will also have an impact on you money later? Consider you want to purchase the necessary down payment and length of time required to save for a $275,000 home. When you account for closing costs (about 3% it. There are other variables in the equation too, such as interest of the sales price), a 5% down payment is $13,750 versus $63,250 rates. As interest rates rise, so in cash for 20% down. With a 740 too will the cost of mortgage conventional mortgage with a down payment as small as 3% of the purchase price. In today’s market, it could take a family earning the national median income up to 21 years to save 20%, according to calculations by USMI.
financing. Not all MI is the same. Importantly, so-called “FHA Loans” are government-backed loans insured by the Federal Housing Administration versus a private insurer. These mortgages require a slightly higher down payment, the insurance is permanent, and the monthly premiums generally cannot be cancelled. Make sure you do the math. There are many online mortgage calculators that can help. Check out lowdownpaymentfacts.org to learn more.
Hawaiiana Management Company, Ltd. Serving Kauai’s Condo & Community Associations with award-winning service
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awaiiana currently serves nearly 60 residential and commercial associations on the Island of Kauai. Kauai native Sunshine Ruiz Hatto serves as Hawaiiana’s Director of Kauai 2SHUDWLRQV IURP LWV RIŅFH DW WKH .XNXL *URYH Executive Center in Lihue.
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Serving nearly 60 associations on Kauai 99% retention rate among clients Local (vs. mainland) banking All employees are in Hawaii
BOB WILSON SR. MANAGEMENT EXECUTIVE
LUCY TAYLOR SR. MANAGEMENT EXECUTIVE
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For more information about Hawaiiana’s services, contact Sunshine Ruiz Hatto at 792-0515 or email sunshine@hmcmgt.com.
www.hmcmgt.com HINAHEA LANGI OFFICE MANAGER, SENIOR ADMINISTRATIVE ASSISTANT
RACHELE BURNS ADMINISTRATIVE ASSISTANT
Hawaiiana’s Kauai Properties: Alihi Lani Alii Kai at Hanalei Alii Kai II Aliomanu Estates Apopo Hale Emmalani Court Halaulani Condominium Hale Honu Halelani Village at Puhi Halemalu at Puhi Hanalei Bay Villas Hooluana Condo at Kohea Loa +RRNHQD DW 3XKL Kahala at Poipu Kai Kainani Villas Ka‘iulani of Princeville .DNHOD 0DNDL 2FHDQYLHZ Kalaheo Pali Kai Kalihiwai Ridge Kauai Beach Resort Kauai Beach Resort Association Kawaihau Sports Villa . * (QWHUSULVHV &RQGRPLQLXP .RKHD /RD 0DVWHU $VVRFLDWLRQ .RORD *DUGHQ $SDUWPHQWV Kuhio Shores at Poipu .XNXLĢXOD Lae Nani 0DNDQXL 0DQXDORKD Pali Ke Kua Paliuli 3LNDNH Plantation at Princeville Poipu Crater Poipu Kai Association Poipu Kai Racquet Club Poipu Kai Water Reclamation Poipu Kapili Poipu Sands 3ULQFHYLOOH 0DNDL 5DQFK DW +DOHOHĢD Princeville Sealodge I Puamana 3XKL ,QGXVWULDO 3DUN Pu‘u Po‘a Regency at Poipu Kai Regency Hule‘ia Regency Villas at Poipu Kai Sandpiper Village I The Villas at Poipu Kai Villas at Puali Villas of Kamali’i Villas on the Prince :DLNRPR 6WUHDP 9LOODV Wailua Bay View Waipouli Beach Resort Hawaiiana is “here” and open for business during this uncertain time. Deemed an “essential business,” Hawaiiana is maintaining its regular business hours, KRZHYHU RXU RIŅFH DQG PHHWLQJ URRPV are closed to the public for the time being. Please feel free to contact us via phone or email. You may also visit our website at hmcmgt.com to contact your property management team, ask questions about your bill or receive COVID-19 updates.
www.thegardenisland.com
THE GARDEN ISLAND
PUHI
SOLD!
Land Area: 8,835 sq. ft. Living Area: 1,395 sq. ft. Bed/Ba: 3/2 MLS 635202
Friday, June 05, 2020 Page 5
808-246-0325
KAUAI’S
real estate directory P L A C E Y O U R A D t oday 2 4 6 - 0 3 2 5
C. CUMMINGS C AROL (RB) CRB, CRS, GRI, SFR
RB-14915
t h e g arde n i s la n d . co m / cla s s i f i ed s
Kekaha
Lawai
Princeville
SOLD
AMAZING VIEWS
PRICE REDUCED
Kekaha-$397,000 2 Bed/1 Ba. Interior Area: 696 sq.ft. Lot Size: 5,115 sq.ft. Ashley M. Carvalho RS-73535 808-639-9307 MLS 635374
Uha Rd. Unit 1 Lawai
Princeville-$1,699,900 4 Bed/3.5 Ba. Interior Area: 3,925 sq.ft. Lot Size: 20,093 sq.ft. Jesse Fukushima RS-71180 808-482-0325 MLS 632144
Kalaheo
808-651-4766
kauairealty@gmail.com
Remarkable building site with spectacular 180 ocean views, Poipu to Niihau. Paved road, utilities to site. This is a uniquely, private and beautiful site that is rare on the south shore. 10 minutes to Poipu beaches, golf and dining. 20 minutes to airport. Buyer must check with County for building restrictions. Lot is 4.751 acres MLS#633546 Priced at $1,300,000. Call F. Lee Morey (BIC, CRS, CDPE, SRS, CLHMS)
5492 Puulima Rd Priced at $395,000 on 0.50 acre(s) Beautiful subdivision with grand yards and spectacular views. Top of Kauai overlooking ocean. MLS#619700 Priced @ $395,000 F. Lee Morey (BIC)
Koloa
Waimea - $525,000 2 bed/2 ba, 1,060 sq ft Kelly Liberatore, (B) RB-17674 (808) 639-2061 Coldwell Banker Island Properties MLS# 296411
808-651-6720 BACK ON THE MARKET
Kapaa PRICE REDUCTION
Koloa-$559,000 3 Bed/1.5 Ba. Interior Area: 1,074 sq.ft. Lot Size: 8,438 sq.ft. Mayu Tomizawa RS-67283 808-634-8765 MLS 636230
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thegardenisland.com Friday,
THE GARDEN
Featured Homes
renters
Ways
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PRICE REDUCED 245-0433
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Charter School open in 2018 t John Steinhors ISLAND THE GARDEN
Season’s
Greetings
www.kcfcu.org
from
• (808) 245-6791
Puhi-$650,000 3 Bed/3 Ba. Interior Area: 1,395 sq.ft. Lot Size: 8,835 sq.ft. Carol Cummings RB-14915 kauairealty@gmail.com MLS 635202
245-0456
Land Area: 6,493 sq. ft. Living Area: 868 sq. ft. Bed/Ba: 3/1 LIST PRICE: $455,000 MLS 639651
AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR
808-651-4766
kauairealty@gmail.com
Cleaning
Carpenter looking for maintenance jobs. Free estimates. 3D Construction Call Albert 652-8861. alapaki82@outlook.com
We clean range hood systems Mon thru Thurs, after hours. $17 to start. 25 years experience. Coast Cleaning Call Brian 652-7646
Rooms For Rent
enter.com KukuiGroveC
FOR MORE INFORMATION, CALL DIANE 245-0456
Carpentry
POIPU studio. Part furnished utilities incl. single preferred. $1000 plus some deposit. 652-1568 Studio for rent in Hanamaulu. Utilities included. Call 808-639-4310
produces other for farmers, the Kauai into production and Co., al chemical operations ventional seeds nature of its Allan Parachini ISLAND Nemours internation as it diversifies corporate , one of the GARDEN ent an become a farming. A8 dividing its changing SPECIAL TO THE t announcem divi- of three new companies on ag- was operations and will food SEE CHANGE, of into of developThe DowDuPon Kauai — The agriculture focus exclusively scale grower in a series KEKAHA t has announced which will and DuPont changing production commercial markets was the third Both Dow operafor are rapidly operations sion of DowDuPon beyond. riculture. in its Kauai ments that had separate focused on products and possibly expand its major changes the previous statewide, which it will here, in- previouslyboth of which genetitions under Hartung acquired on Kauai, nt of improved activities as and soy Hawaii research on island by developme seed corn staffing creasing percent. cally modified 50 this much as created earlier The firm,
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THE GARDENISLAND.COM/CLASSIFIEDS
For Rent
SOLD
to Brothers Inc. ide g; Hartung statewcompanies marketsWestside seed increase staffin ercial A.G., in the toKauai’s activities, with reduction for comm to — starting firms from four d research of food products Kauai operations ofateSyngenta closely iden- tal number of of an impending er t to expan and t had been a Swiss conglomer three. Rumors GMO agriculture at DowDuPon Brothers DowDuPon ction scalethegrow strains. tified with shake-up over pesticide , Hartung Dow Meanwhile seed developer that produyear by the merger of DuPont widely criticized its GMO and rife for weeks. Hybrids acquired de continue a leading organic and conon Kauai become a In 2016, Beck’s use. It will of BASF Corp., activities Co. and E.I. the process Inc., GMO, said it operations research Chemical and techis in
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Apartments
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ANGE SEEDS OF CH
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Princeville-$939,900 4 Bed/3.5 Ba. Interior Area: 2,594 sq.ft. Lot Size: 11,078 sq.ft. Glen Kojima RS-80593 Glen@KauaiRealty.net MLS 636512
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B1 CC E R • KI F SO DERS R E D RAIUT S H UT OE R S VOYAG
Kapaa- $529,000 3 Bed/2 Ba Interior Area: 1,056 sqft Lot Size: 9.182 sq.ft. Daniel B. Kurisu RS-79218 808-652-7302 Maile Properties of Kauai MLS 633563
Waimea- $225,000 Lot Size: 9,285 sq.ft. Daniel Kurisu (S) RS-79218 808-652-7302 MLS 635569
PRICE REDUCED
808-651-6720
JUST LISTED!
Waimea
Lihue- $369,000 Hookena at Puhi 2 Bed/2 Ba Interior Area: 725 sqft Edward M. Guerrero RS-72320 808-652-6121 MLS 633028
Hanamaulu, Wiliko 2, attached studio with private bath and entry. Kitchenette. Partly furnished. Female preferred. $750/month includes utilities. 245-4170 or 652-4226
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DEVOE PAINTS
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246-8828
Across From Kauai Community College
4490 Puhi Road, Lihue Mon-Fri 7:30am to 4pm Sat 8am to 12 Noon
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COMING TO THE MARKET! OPEN HOUSE: Sat & Sun 6th & 7th • 11am - 3pm MASKS ARE A MUST! 4413 Kai Ikena Dr., Kalaheo Distant ocean view home. Sports 3 bdrm, 2 baths, sunroom & 2 car garage with many updates. Home has 1864 sq ft with an extra 834 sq ft in basement/garage. Fenced yard a plus.
$879,999 FS
Linda M Subach Realtor-Broker RB-21887 LindaHomes4U@gmail.com Cell: 808-482-4627
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