Maui Real Estate

RREEAALL EESSTTAATTEEA SUPPLEMENT OF THE MAUI NEWS | FRIDAY, JULY 26, 2013

Realtors giving from the heart for Maui | pg. 11

TIPS FOR THE FINAL WALK-THROUGHUNDERSTANDING YOUR HOME’S VALUE

PLUS:

How to ensure you don’t become a victim

pg.

3

REAL ESTATESCAMS

KAHIAU >>>

A Supplement of THE MAUI NEWS –Friday, July 26, 2013 –Page T2

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on the cover: This one-acre oceanfront property in Hana is beingrepresented by Wendy R. Peterson of Island Sotheby’s. To find out more aboutthis property, call Peterson at 870-4114 or email [email protected].

ou’ll hear several phrasesused to describe the value ofyour home, especially as youprepare to buy or sell. One

you’ll hear often as you prepare to sellis “appraised value.” This refers to anobjective opinion about the value of theproperty. Appraisal, however, is not anexact science, so different appraisersmay assign different values.

When houses are being bought andsold, the appraisals are usually based

on the market value, what it is believedthe property could probably be sold for.This is a number that is always in flux,especially in an active market likeMaui. Besides appraised value andmarket value, you may also hear of in-surance value, replacement value andassessed value for property taxes.These numbers will not all be the same.

Appraised value is not a constantnumber. Any change in market condi-tions can dramatically change ap-

praised value.A nearby andsimilar homeselling at anunexpectedprice or achange in thenumber of buy-ers looking forhomes in a spe-cific range willchange the ap-praisal.

Appraisedvalue doesn’ttake into considera-tion special circum-stances that will changewhen a home is sold, suchas the owner’s need to sell

rapidly. It is based onconditions that derivefrom the property andthe market, not thebuyer or seller.

Lenders usually usethe appraised value orthe actual selling priceof a property, whichev-er is less, to determinethe amount of themortgage they willoffer.

So, what’s the val-ue of your home? De-

pends which valueyou’re asking about.

— Courtesy of the Realtors Association of Maui

YUnderstanding the appraised value of your home


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he storyline is nothing new: ascammer offers something foran eye-catching price, devisesattractive promises, then makes

off with the cash before the victim real-izes they’ve been duped. It’s a classicscheme that have left some Maui resi-dents stunned — not to mention out ofhundreds or thousands of dollars.

This story is all too familiar for TerryTolman, Chief Staff Executive at the Re-altors Association of Maui. His officereceives a steady stream of complaintsrelating to Craigslist real estate scams, inwhich a con artist will scour the Internetfor photos and information of a property,

then use those details to create his or herown fake listing — almost always at alower price to entice would-be renters.Once the deposit or first month’s rent iscollected, the scammer disappears. Insome cases, the scammer will ask forpersonal information to steal a person’sidentity.

“It’s a huge deal,” says Tolman, whoadds that, “It’s usually the people whocan least afford it who are gettingscammed. That’s kind of the way thesethings work.”

Tolman says he has heard reports ofup to five parties showing up at a homeon the first day of the month expectingto move in — with only one person pay-ing the real owner. In another incident, afamily arrived at a home to find that it

Sweet Deal orSour Situation?

T

How to identify and outsmart the scam artists

See SCAM on Page 5

By Lehia ApanaSpecial Sections Editor


ost tips lists are reminders, but this oneprobably includes at least a few ideasyou’ve never heard before. Most contractorsare trustworthy business people who rely on

their reputations, but it is never a mistake to preparefor surprises. Usually, tips lists are pick-and-choose af-fairs, but seriously considering every one of these hintsis wise when you’re thinking of remodeling your home.

≤ Get written estimates from at least three differentcontractors, being sure all three are bidding on all thesame details.

≤ Get references from the contractors and actually callthe customers whose names they give you. Don’t beafraid to ask specific questions about the contractor andcrews. Ask permission to see the finished work.

≤ Check whether there are complaints against the con-tractors you are considering by calling the Maui Cham- ber of Commerce at 871-7711 and the Hawai’i Bet-

ter Business Bureau, toll-free on Oahu at (877) 222-6551.

≤ Be sure there is a contract before work begins,and that it states exactly what work is to be done, andhow change orders are to be handled.

≤ Make the smallest down payment you can negoti-ate to limit your losses in the event that the contractorfails to finish the job.

≤ Be sure that the contractor has the necessary per-mits, licenses and insurance.

≤ Check that the contract clearly states the finishdate and spells out what recourse you have if the jobis not finished as promised. Also, under most condi-tions, a contract signed at your home in Hawaii canbe canceled within three days. You can read the de-tails of Hawaii’s contract cancellation law online atwww.povertylaw.org/legalresearch/hotline/hi/

53047j.htm≤ Ask the contractor what parts of the job will be

done by his or her own crew, what will be subcon-tracted and how he will supervise and manage all theworkers.

≤ See that the contractor indemnifies you if thework fails to meet local building codes or regulations.

≤ Be sure the contract clearly states that the con-tractor is responsible to clean up after the job is doneand be responsible for any damage done during theremodel.

≤ See that the materials to be used are specified.Then follow through by checking that those materialsare used on the job.

≤ Do not make the final payment or sign any finaldocuments until the work is done to your satisfaction.

—Courtesy of the Realtors Association of Maui

Tips for hiring a remodeling contractor12M

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The Shop’s at Wailea808.879.8880

808.665.1166

Wendy R. PetersonRealtor (S)

was already occupied. Real estate scams are one of the most

frequently reported Internet crimes inthe nation, according to the InternetCrime Complaint Center. Its 2012 Inter-net Crime Report showed that last yearalone, real estate scams in the UnitedStates were reported 14,432 times, withmore than $15.4 million in losses.

Judi Pasco, Executive Assistant andProfessional Standards Administrator atthe Realtors Association of Maui, esti-mates her office receives about one calla week related to this kind of scam,mostly from real estate agents worriedthat their property for sale is also listedon Craigslist for rent. When this hap-pens, she will send that person an emailwith information on how to report theincident to authorities.

“Someone desperate to find a home isgoing to believe because they want tobelieve,” she says. “The hardest part iswhen you find out that someone has ac-tually sent the money.”

Pasco adds that while people are stillbeing duped, she is hopeful that peopleare learning from other’s mistakes.

“A couple years back it was wayworse,” she remembers. “I think theword gets around, which is why it’s notas frequent, but we’re still getting peo-ple calling us about this.”

In an age when people are becomingincreasingly comfortable with onlinetransactions, that convenience can comeat a high price, warns Chris Duque, Cy-berCrimes Investigator with the Depart-ment of the Prosecuting Attorney inHonolulu. One red flag, he says, is deal-

ing with a person exclusively online.“Whenever you post something on the

Internet, and even in traditional newspa-per advertisements, it’s always buyersbeware,” says Duque. “If you don’t seethis person, you’re relying on a trust fac-tor, and the scammers know that, sothey can easily create or manipulate afacade.”

With more than 2 billion people usingthe Internet, the chances that one ofthem is going to fall for a scheme is

pretty good, adds Duque. He has heardcountless stories of people being fooledwith rental scams, and says that when itcomes to protecting yourself from beingvictimized, one familiar saying stillstands.

“It’s human nature that people arelooking for that free ride, but if it’s toogood to be true, it is,” he says.

� Lehia Apana can be reached [email protected].

� Suspicious looking email address.If the person’s email address appears as amish-mash of numbers and letters, be-ware. These are often automatically gen-erated by a computer in order to be un-traceable.

� They accept bad credit. Often-times, scammers will say things like “badcredit okay” to entice those with lousycredit, thus targeting on those who aredesperate to find a place to live becausethey’ve been turned down elsewhere.

� Person is out of the country. Manyscammers claim to be out of the country,

oftentimes for a job or on missionarywork. For the latter, the emails may in-clude words like “God bless you” andother religious sentiments in order to ap-pear trustworthy.

� Money transfers. The person asksyou to send money via money transfer. Ifyou’re sending money through a servicelike Western Union, it’s almost always ascam.

� Rent is below the market. If therent is far cheaper than what is typical forthat area, proceed with caution. Thingsthat are too good to be true usually are.

If you feel you’ re being targeted orhave fallen victim to a scam, here’ s whatto do:

� Report suspicious activity to the In-ternet Crime Complaint Center atwww.ic3.gov.

� Contact Craigslist and flag the mes-sage for deletion. Another option is tocreate your own Craigslist post advertis-ing the same property at an even lowerprice to ensure it appears at the top of thesearch list. Make it clear in your listingthat the property is “NOT FOR RENT”or “THIS IS A SCAM.”

How to spot a scam:

SCAMContinued from Page 3


ALOHA PUALANI G615 Wailana Place, KiheiAUHANA HALE H790 Auhana Road, KiheiAWIHI TOWNHOUSE H62141 Awihi Place, KiheiBAY VISTA APARTMENTS H72140 Awihi Place, KiheiHOTEL WAILEA I7555 Kaukahi, KiheiFOUR SEASONS WAILEA J73900 Wailea Alanui Dr., KiheiGRAND CHAMPION GOLF & TENNIS VILLAS I7Above Wailea Alanui Dr., WaileaGRAND WAILEA RESORT J73850 Wailea Alanui Dr., WaileaHALE HUI KAI I72994 S. Kihei Road, KiheiHALE ILI ILI J72172 Iliili Road, KiheiHALE KAI O'KIHEI H61310 Uluniu Road, KiheiHALE KAMAOLE I72737 S. Kihei Road, KiheiHALE MAHIALANI H721 Kaiau Place, KiheiHALE PAU HANA I72480 S. Kihei Road, KiheiHALEAKALA GARDENS H715 Kulanihakoi, KiheiHALEAKALA SHORES I72619 S. Kihei Road, KiheiHO‘OLEI AT GRAND WAILEA J7146 Ho‘olei Circle, WaileaHONO KAI G5280 Hauoli St./Maalaea VillageISLAND SANDS G5150 Hauoli St./Maalaea VillageISLAND SURF H61993 S. Kihei Road, KiheiKAI MAKANI BEACH VILLAS F7Kai Makani Loop, KiheiKAI MALU AT WAILEA J63550 Wailea Alanui Drive, KiheiKALAMA GARDENS H736 Walaka Street, KiheiKAIAMA TERRACE H735 Walaka Street, KiheiKALAMA TOWNHOUSE H746 Walaka Street, KiheiKALAMA VILLA H72144 Konou Place, Kihei

KAMAOLE BEACH CLUB H72381 S. Kihei Road, KiheiKAMAOLE BEACH ROYALE H72385 S. Kihei Road, KiheiKAMAOLE NALU I72450 S. Kihei Road., KiheiKAMAOLE ONE H72230 S. Kihei Road, KiheiKAMAOLE PARK H7Keonekai Street, KiheiKAMAOLE SANDS I72695 S. Kihei Road., KiheiKAMOA VIEWS H72124 Awihi Place, KiheiKANA'I A NALU G5250 Hauoli St./Maalaea VillageKANOE RESORT H72050 Kanoe Street, KiheiKANOELANI APARTMENTS H72065 Kanoe Street, KiheiKAPULANI KAI H673 Kapu Place, KiheiKAU HALE MAKAI H6930-938 S. Kihei Road, KiheiKE ALII OCEAN VILLAS H728 Hauwahine Lane, KiheiFAIRMONT KEALANI J64100 Wailea Alanui Drive, KiheiKEALIA F6191 N. Kihei Road, KiheiKEAWEKAPU I72895 S. Kihei Road, KiheiKEONEKAI VILLAGES H7160 Keonekai Road, KiheiKIAWE TERRACE G6851 S. Kihei Road, KiheiKIHEI AKAHI I72531 S. Kihei Road, KiheiKIHEI ALII KAI I72387 S. Kihei Road, KiheiKIHEI BAY SURF G7715 S. Kihei Road, KiheiKIHEI BAY VILLAS G7775 S. Kihei Road, KiheiKIHEI BEACH RESORT G6 36 S. Kihei Road, KiheiKIHEI COVE I72181 Iliili Road, KiheiKIHEI GARDEN ESTATES H61299 Uluniu Road, KiheiKIHEI HOLIDAY G6483 S. Kihei Road, Kihei

KIHEI KAI RESORT F6 61 N. Kihei Road, KiheiKIHEI KAI NANI I72495 S. Kihei Road, KiheiKIHEI MANOR H72136 Konou Place, KiheiKIHEI PARKSHORES H62037 S. Kihei Road, KiheiKIHEI REGENCY H72441 S. Kihei Road, KiheiKIHEI RESORT H7777 S. Kihei Roads, KiheiKIHEI SANDS F6115 N. Kihei Road, KiheiKIHEI SHORES I62747 S. Kihei Road, KiheiKIHEI SURFSIDE I72936 S. Kihei Road, KiheiKIHEI VIEW H7Keonekai Street, KiheiKIHEI VILLA H72135 S. Kihei Road, KiheiKIHEI VILLAGES F7140 Uwapo Road, KiheiKIMO KE APARTMENTS I710 Walaka Street, KiheiKOA KAI APARTMENTS H799 Walaka Street, KiheiKOA LAGOON G6800 S. Kihei Road, KiheiKOA RESORT H7811 S. Kihei Road, KiheiLAULOA G5100 Hauoli St./Maalaea VillageLEILANI KAI H61226 Uluniu, KiheiLEINAALA H6998 S. Kihei Road, KiheiLIHI KAI COTTAGES I72121 Iliili Street, KiheiLUANA KAI H6940 S. Kihei Road, KiheiMAALAEA BANYANS G5190 Hauoli St./Maalaea VillageMAALAEA KAI G570 Hauoli St./Maalaea VillageMAALAEA MERMAID G520 Hauoli St./Maalaea VillageMAALAEA SURF RESORT F612 S. Kihei Road, KiheiMAALAEA YACHT MARINA G530 Haouli St., Maalaea Village

MAKANI A KAI G5300 Haouli St., Maalaea VillageMAKENA BEACH & GOLF RESORT J65400 Makena Alanui, KiheiMAKENA SURF J696 Makena Rd., KiheiMALUHIA AT WAILEA I73400 Wailea Alanui, KiheiMANA KAI MAUI I72960 S. Kihei Road, KiheiMAUI BANYANS I72575 S. Kihei Road, KiheiMAUI BEACHFRONT RESORT H61312 Uluniu Road, KiheiMAUI COAST HOTEL H72259 S. Kihei Road, KiheiMAUI COURT I72747 S. Kihei Road, KiheiMAUI GARDENS H61450 S. Kihei Road, KiheiMAUI HILL I72881 S. Kihei Road, KiheiMAUI ISANA RESORT G6515 S. Kihei Road, KiheiMAUI KAMAOLE I72777 S. Kihei Road, KiheiMAUI LU RESORT G6575 S. Kihei Road, KiheiMAUI OCEANFRONT HOTEL I72980 S. Kihei Road, KiheiMAUI PALISADES H7Kilohana Street, KiheiMAUI PARKSHORE I72653 S. Kihei Road, KiheiMAUI SCHOONER RESORT H6980 S. Kihei Road, KiheiMAUI SUNSET H61032 S. Kihei Road, KiheiMAUI VIEW APARTMENTS H776 Walaka, KiheiMAUI VISTA H72191 S. Kihei Road, KiheiMENEHUNE SHORES G6760 S. Kihei Road, KiheiMILOWAI G550 Hauoli St./Maalaea VillageNA HALE KAI G634 Wailana Place, KiheiNA HALE O MAKENA J64955 Makena Road, KiheiNA HOLOKA I G634 Wailana Place, Kihei

NANI KAI HALE F673 N. Kihei Road, KiheiNONA LANI COTTAGES G6455 S. Kihei Road, KiheiONE KOUNOU PLACE H72152 Kounou Place, KiheiOUTRIGGER MARRIOTT I73700 Wailea Alanui Drive, KiheiPACIFIC SHORES APARTMENTS H72219 S. Kihei Road, KiheiTHE PALMS AT WAILEA I73150 Wailea Alanui, WaileaPOLO BEACH CLUB J620 Makena Road, KiheiPUNAHOA BEACH I72142 Iliili Road, KiheiANDAZ MAUI AT WAILEA I73550 Wailea Alanui Drive, KiheiROYAL MAUIAN I72430 S. Kihei Road, KiheiROYAL MENEHUNE H62061 S. Kihei Road, KiheiSLEEPY HOLLOW H61667 S. Kihei Road, KiheiSHORES OF MAUI H62075 S. Kihei Road, KiheiSUGAR BEACH RESORT F6145 N. Kihei Road, KiheiVILLAGE BY THE SEA G64327 S. Kihei Road., KiheiWAILANA SANDS G625 Wailana Place, KiheiWAILEA EKAHI I73300 Alanui Drive, KiheiWAILEA EKOLU VILLAGE J710 Wailea Ekolu Place, KiheiWAILEA ELUA VILLAGE I7600 Alanui Drive, KiheiWAILEA GOLF VISTAS I7Above the Blue Course, WaileaWAILEA POINT J74000 Wailea Alanui, KiheiWAIOHULI BEACH HALE H649 Lipoa Street, KiheiWAIPUILAN H61002 S. Kihei Road, Kihei

ALAELOA B220 Alaeloa #8 ASTON KAANAPALI SHORES C23445 L. Honoapiilani Hwy.ASTON MAUI ISLANDER E2660 Wainee Street ASTON SANDS OF KAHANA C2 4299 L. Honoapiilani Hwy. CHANNEL HOUSE E21010 Front Street COCONUT INN B3181 Hui Road F EMBASSY VACATION RESORTS C2104 Kaanapali Shores Pl. THE GARDENS AT WEST MAUI B3369 L. Honoapiilani Hwy. HALE MAHINA C23875 L. Honoapiilani Hwy. HALE MAUI HOTEL C23711 L. Honoapiilani Hwy. HALE NAPILI B265 Hui Drive HALE ONO LOA C23823 L. Honoapiilani Rd. HALE ROYALE C23788 L. Honoapiilani Rd. HOLOLANI C24401 L. Honoapiilani Rd.HONO KOA C23801 L. Honoapiilani Rd.HONOKEANA COVE B25255 L. Honoapiilani Rd.HONOKOWAI EAST C23660 L. Honoapiilani Rd. HONOKOWAI PALMS C23666 L. Honoapiilani Rd. HONOKOWAI SUNRISE C23676 L. Honoapiilani Rd.HONUA KAI RESORT & SPA C2130 Kai Malina Parkway

HOYOCHI NIKKO C23901 L. Honoapiilani Rd. HYATT REGENCY MAUI D2Nohea Kai Drive at Kaanapali INTERNATIONAL COLONY CLUB C22750 Kalapu Drive KAANAPALI ALII D150 Nohea Kai Dr. at Kaanapali KAANAPALI BEACH HOTEL D12525 Kaanapali Parkway KAANAPALI PLANTATION C2150 Puukolii Road KAANAPALI ROYALE D2 2560 Kekaa Drive KAHANA BEACH RESORT C24221 L. Honoapiilani Rd. KAHANA FALLS B24260 L. Honoapiilani Rd. KAHANA GATEWAY APTS B24465 Honoapiilani Hwy. KAHANA MANOR B24310 L. Honoapiilani Rd. KAHANA OUTRIGGER B24521 L. Honoapiilani Rd. KAHANA REEF B24471 L. Honoapiilani Rd. KAHANA SUNSET B24909 L. Honoapiilani Rd. KAHANA VILLAS B24242 L. Honoapiilani Rd. KALEIALOHA C23785 L. Honoapiilani Rd. KAPALUA BAY VILLAS A3500 Bay Drive, Kapalua KAPALUA GOLF VILLAS B3100 Kapalua Drive KAPALUA RIDGE VILLAS B3100 Ridge Drive KULAKANE C23741 L. Honoapiilani Rd. KULEANA I & II C2 3959 L. Honoapiilani Rd. LAHAINA INN E2127 Lahainaluna Road LAHAINA RESIDENTIAL E21034 Front Street LAHAINA ROADS E21403 Front Street

LAHAINA SHORES E2475 Front Street

LEINANI APARTMENTS C2 3750 L. Honoapiilani Rd. LOKELANI C23833 L. Honoapiilani Rd. MAHANA C2110 Kaanapali Shores Pl. MAHINA SURF C24057 L. Honoapiilani Rd. MAHINAHINA BEACH C24007 L. Honoapiilani Rd. MAKANI SANDS C23765 L. Honoapiilani Rd. THE MAUIAN B25441 L. Honoapiilani Rd. MAUI BREAKERS C23702 L. Honoapiilani Rd. MAUI ELDORADO D22661 Kekaa Dr. at Kaanapali MAUI ISLANDER E2660 Wainee Street MAUI KAANAPALI VILLAS C22805 Honoapiilani Hwy. MAUI KAI C2106 Kaanapali Shores Place MAUI MARRIOTT HOTEL D2Nohea Kai Drive at Kaanapali SUNSET TERRACE C23626 L. Honoapiilani Rd. MAUI SANDS C23559 L. Honoapiilani Rd. NAPILI BAY HOTEL B233 Hui Road NAPILI GARDENS B25432 L. Honoapiilani Rd. NAPILI KAI BEACH RESORT B2 5900 L. Honoapiilani Rd. NAPILI LANI B25900 L. Honoapiilani Rd. NAPILI PUAMALA B250 Napili Place NAPILI POINT B25295 L. Honoapiilani Rd. NAPILI RIDGE B3120 Hui Road F NAPILI SHORES B25315 L. Honoapiilani Rd. NAPILI SURF B250 Napili Place NAPILI SUNSET B246 Hui Road NAPILI VILLAGE HOTEL B248 Hui Road F

NOELANI C24095 L. Honoapiilani Rd.

NOHONANI C23723 L. Honoapiilani Rd. OPUKEA D21001 Keawe St. PAKI MAUI C23615 L. Honoapiilani Rd. PAPAKEA BEACH RESORT C23543 L. Honoapiilani Rd. PIKAKE C23701 L. Honoapiilani Rd. PIONEER INN HOTEL E2658 Wharf St., atLahaina HarborPLANTATION INN E2174 Lahainaluna Road POHAILANI MAUI C24435 L. Honoapiilani Rd. POLYNESIAN SHORES C23975 L. Honoapiilani Rd. PUAMANA E234 Puailima Place PUNA POINT B25900 L. Honoapiilani Rd. PUUNOA BEACH ESTATES D245 Kai Pali Place RITZ CARLTON KAPALUA A3One Ritz Carlton Drive ROYAL HALE C22780 Kekaa Drive at Kaanapali ROYAL KAHANA C24365 L. Honoapiilani Rd. ROYAL LAHAINA RESORT C22780 Kekaa Drive at Kaanapali SHERATON MAUI C22605 Kaanapali Parkway THE COCONUT GROVE A3On Kapalua Drive THE RITZ-CARLTON RESIDENCES A31234 Kapalua Bay Drive THE SPINNAKER E2760 Wainee Street THE WESTIN KAANAPALI OCEANRESORT VILLAS C26 Kai Ala Drive VALLEY ISLE RESORT C24327 L. Honoapiilani Rd. WESTIN MAUI D22365 Kaanapali Parkway THE WHALER D1 2481 Kaanapali Parkway

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2013Condominium &Resort Directory

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Lahaina

Kaanapali

Kapalua

Maalaea

Kihei

Wailea

WailukuKahului

Makena

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Kaanapali Pkwy.

MAUIMapDetail

How To Use This MapThe condominiums & hotels in West Maui andSouth Maui are listed here in alphabetical orderaccording to region. A grid letter and number coor-dinate is listed with each property for map location.Be advised that street addresses are not necessar-ily the correct mailing address. (Example:Addresses in the Maalaea area are served by RuralRoute Delivery from the Wailuku Post Office.)


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ERAPacificProperties.com

1279 S. Kihei Rd., #119, Azeka Mauka, Kihei, HI 96753

ALOHA PUALANI G615 Wailana Place, KiheiAUHANA HALE H790 Auhana Road, KiheiAWIHI TOWNHOUSE H62141 Awihi Place, KiheiBAY VISTA APARTMENTS H72140 Awihi Place, KiheiHOTEL WAILEA I7555 Kaukahi, KiheiFOUR SEASONS WAILEA J73900 Wailea Alanui Dr., KiheiGRAND CHAMPION GOLF & TENNIS VILLAS I7Above Wailea Alanui Dr., WaileaGRAND WAILEA RESORT J73850 Wailea Alanui Dr., WaileaHALE HUI KAI I72994 S. Kihei Road, KiheiHALE ILI ILI J72172 Iliili Road, KiheiHALE KAI O'KIHEI H61310 Uluniu Road, KiheiHALE KAMAOLE I72737 S. Kihei Road, KiheiHALE MAHIALANI H721 Kaiau Place, KiheiHALE PAU HANA I72480 S. Kihei Road, KiheiHALEAKALA GARDENS H715 Kulanihakoi, KiheiHALEAKALA SHORES I72619 S. Kihei Road, KiheiHO‘OLEI AT GRAND WAILEA J7146 Ho‘olei Circle, WaileaHONO KAI G5280 Hauoli St./Maalaea VillageISLAND SANDS G5150 Hauoli St./Maalaea VillageISLAND SURF H61993 S. Kihei Road, KiheiKAI MAKANI BEACH VILLAS F7Kai Makani Loop, KiheiKAI MALU AT WAILEA J63550 Wailea Alanui Drive, KiheiKALAMA GARDENS H736 Walaka Street, KiheiKAIAMA TERRACE H735 Walaka Street, KiheiKALAMA TOWNHOUSE H746 Walaka Street, KiheiKALAMA VILLA H72144 Konou Place, Kihei

KAMAOLE BEACH CLUB H72381 S. Kihei Road, KiheiKAMAOLE BEACH ROYALE H72385 S. Kihei Road, KiheiKAMAOLE NALU I72450 S. Kihei Road., KiheiKAMAOLE ONE H72230 S. Kihei Road, KiheiKAMAOLE PARK H7Keonekai Street, KiheiKAMAOLE SANDS I72695 S. Kihei Road., KiheiKAMOA VIEWS H72124 Awihi Place, KiheiKANA'I A NALU G5250 Hauoli St./Maalaea VillageKANOE RESORT H72050 Kanoe Street, KiheiKANOELANI APARTMENTS H72065 Kanoe Street, KiheiKAPULANI KAI H673 Kapu Place, KiheiKAU HALE MAKAI H6930-938 S. Kihei Road, KiheiKE ALII OCEAN VILLAS H728 Hauwahine Lane, KiheiFAIRMONT KEALANI J64100 Wailea Alanui Drive, KiheiKEALIA F6191 N. Kihei Road, KiheiKEAWEKAPU I72895 S. Kihei Road, KiheiKEONEKAI VILLAGES H7160 Keonekai Road, KiheiKIAWE TERRACE G6851 S. Kihei Road, KiheiKIHEI AKAHI I72531 S. Kihei Road, KiheiKIHEI ALII KAI I72387 S. Kihei Road, KiheiKIHEI BAY SURF G7715 S. Kihei Road, KiheiKIHEI BAY VILLAS G7775 S. Kihei Road, KiheiKIHEI BEACH RESORT G6 36 S. Kihei Road, KiheiKIHEI COVE I72181 Iliili Road, KiheiKIHEI GARDEN ESTATES H61299 Uluniu Road, KiheiKIHEI HOLIDAY G6483 S. Kihei Road, Kihei

KIHEI KAI RESORT F6 61 N. Kihei Road, KiheiKIHEI KAI NANI I72495 S. Kihei Road, KiheiKIHEI MANOR H72136 Konou Place, KiheiKIHEI PARKSHORES H62037 S. Kihei Road, KiheiKIHEI REGENCY H72441 S. Kihei Road, KiheiKIHEI RESORT H7777 S. Kihei Roads, KiheiKIHEI SANDS F6115 N. Kihei Road, KiheiKIHEI SHORES I62747 S. Kihei Road, KiheiKIHEI SURFSIDE I72936 S. Kihei Road, KiheiKIHEI VIEW H7Keonekai Street, KiheiKIHEI VILLA H72135 S. Kihei Road, KiheiKIHEI VILLAGES F7140 Uwapo Road, KiheiKIMO KE APARTMENTS I710 Walaka Street, KiheiKOA KAI APARTMENTS H799 Walaka Street, KiheiKOA LAGOON G6800 S. Kihei Road, KiheiKOA RESORT H7811 S. Kihei Road, KiheiLAULOA G5100 Hauoli St./Maalaea VillageLEILANI KAI H61226 Uluniu, KiheiLEINAALA H6998 S. Kihei Road, KiheiLIHI KAI COTTAGES I72121 Iliili Street, KiheiLUANA KAI H6940 S. Kihei Road, KiheiMAALAEA BANYANS G5190 Hauoli St./Maalaea VillageMAALAEA KAI G570 Hauoli St./Maalaea VillageMAALAEA MERMAID G520 Hauoli St./Maalaea VillageMAALAEA SURF RESORT F612 S. Kihei Road, KiheiMAALAEA YACHT MARINA G530 Haouli St., Maalaea Village

MAKANI A KAI G5300 Haouli St., Maalaea VillageMAKENA BEACH & GOLF RESORT J65400 Makena Alanui, KiheiMAKENA SURF J696 Makena Rd., KiheiMALUHIA AT WAILEA I73400 Wailea Alanui, KiheiMANA KAI MAUI I72960 S. Kihei Road, KiheiMAUI BANYANS I72575 S. Kihei Road, KiheiMAUI BEACHFRONT RESORT H61312 Uluniu Road, KiheiMAUI COAST HOTEL H72259 S. Kihei Road, KiheiMAUI COURT I72747 S. Kihei Road, KiheiMAUI GARDENS H61450 S. Kihei Road, KiheiMAUI HILL I72881 S. Kihei Road, KiheiMAUI ISANA RESORT G6515 S. Kihei Road, KiheiMAUI KAMAOLE I72777 S. Kihei Road, KiheiMAUI LU RESORT G6575 S. Kihei Road, KiheiMAUI OCEANFRONT HOTEL I72980 S. Kihei Road, KiheiMAUI PALISADES H7Kilohana Street, KiheiMAUI PARKSHORE I72653 S. Kihei Road, KiheiMAUI SCHOONER RESORT H6980 S. Kihei Road, KiheiMAUI SUNSET H61032 S. Kihei Road, KiheiMAUI VIEW APARTMENTS H776 Walaka, KiheiMAUI VISTA H72191 S. Kihei Road, KiheiMENEHUNE SHORES G6760 S. Kihei Road, KiheiMILOWAI G550 Hauoli St./Maalaea VillageNA HALE KAI G634 Wailana Place, KiheiNA HALE O MAKENA J64955 Makena Road, KiheiNA HOLOKA I G634 Wailana Place, Kihei

NANI KAI HALE F673 N. Kihei Road, KiheiNONA LANI COTTAGES G6455 S. Kihei Road, KiheiONE KOUNOU PLACE H72152 Kounou Place, KiheiOUTRIGGER MARRIOTT I73700 Wailea Alanui Drive, KiheiPACIFIC SHORES APARTMENTS H72219 S. Kihei Road, KiheiTHE PALMS AT WAILEA I73150 Wailea Alanui, WaileaPOLO BEACH CLUB J620 Makena Road, KiheiPUNAHOA BEACH I72142 Iliili Road, KiheiANDAZ MAUI AT WAILEA I73550 Wailea Alanui Drive, KiheiROYAL MAUIAN I72430 S. Kihei Road, KiheiROYAL MENEHUNE H62061 S. Kihei Road, KiheiSLEEPY HOLLOW H61667 S. Kihei Road, KiheiSHORES OF MAUI H62075 S. Kihei Road, KiheiSUGAR BEACH RESORT F6145 N. Kihei Road, KiheiVILLAGE BY THE SEA G64327 S. Kihei Road., KiheiWAILANA SANDS G625 Wailana Place, KiheiWAILEA EKAHI I73300 Alanui Drive, KiheiWAILEA EKOLU VILLAGE J710 Wailea Ekolu Place, KiheiWAILEA ELUA VILLAGE I7600 Alanui Drive, KiheiWAILEA GOLF VISTAS I7Above the Blue Course, WaileaWAILEA POINT J74000 Wailea Alanui, KiheiWAIOHULI BEACH HALE H649 Lipoa Street, KiheiWAIPUILAN H61002 S. Kihei Road, Kihei

ALAELOA B220 Alaeloa #8 ASTON KAANAPALI SHORES C23445 L. Honoapiilani Hwy.ASTON MAUI ISLANDER E2660 Wainee Street ASTON SANDS OF KAHANA C2 4299 L. Honoapiilani Hwy. CHANNEL HOUSE E21010 Front Street COCONUT INN B3181 Hui Road F EMBASSY VACATION RESORTS C2104 Kaanapali Shores Pl. THE GARDENS AT WEST MAUI B3369 L. Honoapiilani Hwy. HALE MAHINA C23875 L. Honoapiilani Hwy. HALE MAUI HOTEL C23711 L. Honoapiilani Hwy. HALE NAPILI B265 Hui Drive HALE ONO LOA C23823 L. Honoapiilani Rd. HALE ROYALE C23788 L. Honoapiilani Rd. HOLOLANI C24401 L. Honoapiilani Rd.HONO KOA C23801 L. Honoapiilani Rd.HONOKEANA COVE B25255 L. Honoapiilani Rd.HONOKOWAI EAST C23660 L. Honoapiilani Rd. HONOKOWAI PALMS C23666 L. Honoapiilani Rd. HONOKOWAI SUNRISE C23676 L. Honoapiilani Rd.HONUA KAI RESORT & SPA C2130 Kai Malina Parkway

HOYOCHI NIKKO C23901 L. Honoapiilani Rd. HYATT REGENCY MAUI D2Nohea Kai Drive at Kaanapali INTERNATIONAL COLONY CLUB C22750 Kalapu Drive KAANAPALI ALII D150 Nohea Kai Dr. at Kaanapali KAANAPALI BEACH HOTEL D12525 Kaanapali Parkway KAANAPALI PLANTATION C2150 Puukolii Road KAANAPALI ROYALE D2 2560 Kekaa Drive KAHANA BEACH RESORT C24221 L. Honoapiilani Rd. KAHANA FALLS B24260 L. Honoapiilani Rd. KAHANA GATEWAY APTS B24465 Honoapiilani Hwy. KAHANA MANOR B24310 L. Honoapiilani Rd. KAHANA OUTRIGGER B24521 L. Honoapiilani Rd. KAHANA REEF B24471 L. Honoapiilani Rd. KAHANA SUNSET B24909 L. Honoapiilani Rd. KAHANA VILLAS B24242 L. Honoapiilani Rd. KALEIALOHA C23785 L. Honoapiilani Rd. KAPALUA BAY VILLAS A3500 Bay Drive, Kapalua KAPALUA GOLF VILLAS B3100 Kapalua Drive KAPALUA RIDGE VILLAS B3100 Ridge Drive KULAKANE C23741 L. Honoapiilani Rd. KULEANA I & II C2 3959 L. Honoapiilani Rd. LAHAINA INN E2127 Lahainaluna Road LAHAINA RESIDENTIAL E21034 Front Street LAHAINA ROADS E21403 Front Street

LAHAINA SHORES E2475 Front Street

LEINANI APARTMENTS C2 3750 L. Honoapiilani Rd. LOKELANI C23833 L. Honoapiilani Rd. MAHANA C2110 Kaanapali Shores Pl. MAHINA SURF C24057 L. Honoapiilani Rd. MAHINAHINA BEACH C24007 L. Honoapiilani Rd. MAKANI SANDS C23765 L. Honoapiilani Rd. THE MAUIAN B25441 L. Honoapiilani Rd. MAUI BREAKERS C23702 L. Honoapiilani Rd. MAUI ELDORADO D22661 Kekaa Dr. at Kaanapali MAUI ISLANDER E2660 Wainee Street MAUI KAANAPALI VILLAS C22805 Honoapiilani Hwy. MAUI KAI C2106 Kaanapali Shores Place MAUI MARRIOTT HOTEL D2Nohea Kai Drive at Kaanapali SUNSET TERRACE C23626 L. Honoapiilani Rd. MAUI SANDS C23559 L. Honoapiilani Rd. NAPILI BAY HOTEL B233 Hui Road NAPILI GARDENS B25432 L. Honoapiilani Rd. NAPILI KAI BEACH RESORT B2 5900 L. Honoapiilani Rd. NAPILI LANI B25900 L. Honoapiilani Rd. NAPILI PUAMALA B250 Napili Place NAPILI POINT B25295 L. Honoapiilani Rd. NAPILI RIDGE B3120 Hui Road F NAPILI SHORES B25315 L. Honoapiilani Rd. NAPILI SURF B250 Napili Place NAPILI SUNSET B246 Hui Road NAPILI VILLAGE HOTEL B248 Hui Road F

NOELANI C24095 L. Honoapiilani Rd.

NOHONANI C23723 L. Honoapiilani Rd. OPUKEA D21001 Keawe St. PAKI MAUI C23615 L. Honoapiilani Rd. PAPAKEA BEACH RESORT C23543 L. Honoapiilani Rd. PIKAKE C23701 L. Honoapiilani Rd. PIONEER INN HOTEL E2658 Wharf St., atLahaina HarborPLANTATION INN E2174 Lahainaluna Road POHAILANI MAUI C24435 L. Honoapiilani Rd. POLYNESIAN SHORES C23975 L. Honoapiilani Rd. PUAMANA E234 Puailima Place PUNA POINT B25900 L. Honoapiilani Rd. PUUNOA BEACH ESTATES D245 Kai Pali Place RITZ CARLTON KAPALUA A3One Ritz Carlton Drive ROYAL HALE C22780 Kekaa Drive at Kaanapali ROYAL KAHANA C24365 L. Honoapiilani Rd. ROYAL LAHAINA RESORT C22780 Kekaa Drive at Kaanapali SHERATON MAUI C22605 Kaanapali Parkway THE COCONUT GROVE A3On Kapalua Drive THE RITZ-CARLTON RESIDENCES A31234 Kapalua Bay Drive THE SPINNAKER E2760 Wainee Street THE WESTIN KAANAPALI OCEANRESORT VILLAS C26 Kai Ala Drive VALLEY ISLE RESORT C24327 L. Honoapiilani Rd. WESTIN MAUI D22365 Kaanapali Parkway THE WHALER D1 2481 Kaanapali Parkway

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2013Condominium &Resort Directory

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Maalaea

Kihei

Wailea

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MAUIMapDetail

How To Use This MapThe condominiums & hotels in West Maui andSouth Maui are listed here in alphabetical orderaccording to region. A grid letter and number coor-dinate is listed with each property for map location.Be advised that street addresses are not necessar-ily the correct mailing address. (Example:Addresses in the Maalaea area are served by RuralRoute Delivery from the Wailuku Post Office.)


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Wells Fargo Home Mortgage Kahului Branch 808-873-3700 • Upcountry Branch 808-573-4900 • Wailea Branch 808-874-1102 All first mortgage products are offered and provided by Wells Fargo Home Mortgage. Wells Fargo Home Mortgage may not be available in your area. © 2013 Wells Fargo Home Mortgage. All Rights Reserved.

Tony Cadiz, BM 268-3399

NMLSR ID 653663

David Lawrence 281-9280

NMLSR ID 653666

Edgar Tesoro 280-5568

NMLSR ID 662124

Marina L. Zautner 269-0981

NMLSR ID 657308

Sheila Long 268-1708

NMLSR ID 339479

Sandy Rice 283-4856

NMLSR ID 662113

Monica S. Riker 250-9046

NMLSR ID 653664

Kimberly Kawachi 357-0943

NMLSR ID 742851

Paula Diep 385-0482

NMLSR ID 232316

Joseph D. Pluta, Realty, LLC

P RINCIPAL B ROKER

R EAL E STATE S ERVICES & V ACATION R ENTALS

181 Lahainaluna Rd. #I Lahaina, HI 96761

808.283.4533 cell 808.661.7990 ph 808.661.7992 fax

[email protected] mauidestination.com

Thomas Delmore (R) 242-1467

www.delmore.net

Delmore Sells More

Centrally located at 1877 Wili Pa Loop #2, Wailuku – ready to assist you islandwide.

Helping clients achieve Maui real estate goals since 1989.

By CHRISTOPHER S. RUGABERAP Economics Writer

U.S. sales of previously occupied homes slipped in Juneto a seasonally adjusted annual rate of 5.08 million but re-main near a 3.5-year high.

The National Association of Realtors said last week thatsales fell 1.2 percent last month from an annual rate of5.14 million in May. The NAR revised down May’s sales,but they were still the highest since November 2009.

Despite last month’s dip, home sales have surged 15.2percent from a year ago. Sales have recovered since earlylast year, buoyed by job gains and low mortgage rates.

Still, mortgage rates have surged in recent weeks overconcern that the Federal Reserve could slow its bond-buy-ing programs later this year. The Fed’s bond purchaseshave helped keep long-term mortgage and other rates low.

Higher mortgage rates slowed sales last month of high-er-priced homes in states such as California and NewYork, the Realtors group said.

The average rate on a 30-year fixed mortgage leapt to4.46 percent by the end of June from 3.81 percent at theend of May. The rate was 4.37 percent last week.

That rate increase could hamper sales in comingmonths, economists said. But most expect housing to con-tinue to recover, though at a slower pace.

“There’s little doubt the housing market slowed in thesummer as mortgage rates rose,” Dan Greenhaus, chiefglobal strategist at BTIG LLC, an institutional brokerage,said in a note to clients. “Housing is still expected to grow

and contribute to economic output. It just may not be at thepace we’ve seen of late.”

Sales of previously occupied homes in June reflect con-tracts that were mostly signed in April and May, whenmortgage rates were lower. Rising rates can cause somesigned contracts to fall through if buyers no longer qualifyfor mortgages at higher rates.

The one factor that’s most likely holding back sales is alimited supply of homes available. Though more sellersput their homes on the market in June, the supply remainedunusually low — nearly 8 percent less than a year ago.

At the current sales pace, the number of homes for salewould be exhausted in 5.2 months. That’s below the sixmonths’ supply that’s consistent with a healthy housingmarket.

Another concern is that first-time buyers, who usuallydrive healthy markets, aren’t participating as much in thecurrent recovery. They made up only 29 percent of buyersin June, below the 40 percent that is typical. Since thehousing bubble burst more than six years ago, banks haveimposed tighter credit conditions and required larger downpayments. That’s made it harder for first-time buyers toqualify for mortgages.

Still, mortgage rates remain relatively low and homeprices remain affordable despite rising in the past year.And higher mortgage rates could encourage some potentialbuyers to come off the sidelines and purchase homes be-fore rates rise further.

The strength in housing this year has offset weaknesseselsewhere in the economy, like manufacturing and busi-ness investment. Rising home sales tend to lead to morespending at furniture and home supply stores.

Homebuilders have also stepped up construction in thepast year, creating more construction jobs. In June, theyapplied for permits to build single-family homes at thefastest pace in five years.

U.S. home sales dip but remain near 3.5-year high

Don’t justask, checkthat repairsyou request-

ed have been made. Getcopies of paid bills andany warranties. Remem-ber that warranties maybe spelled out on the billor receipt, or they maybe supplied separately.

ou’re on thevery brink ofbecoming ahome owner,

perhaps for the firsttime. That’s great, butdon’t let your excitementcause you to do a hap-hazard final walk-through. Don’t let theviews distract you fromnoticing whether thewindow treatments arein place, for example. Ifyou overlook somethingat his point, it may be-come an issue you can-not bring up again.

Here are ten thingsyou’ll definitely want tolook for. Having achecklist in hand is agood idea.


Property Management Services • Real Estate Sales

shoretoshorerealty.net

331 Ho‘okahi St., Suite 202 Wailuku, HI 96793 808.244.7142

Make a checklist for the final walk-through

Y

Keep your eyes openduring the walk-throughand you’ll have plenty oftime for the views soon,and for a long time tocome.

—Courtesy of theRealtors Association

of Maui

1

See thateverythingincluded inthe sale

price is still in place. Thismight include draperiesand lighting fixtures. If itwas specified before, itmust still be on theproperty.

2

Screens usu-ally stay inplace onMaui, and

storm windows are rare,but check. If there aremissing screens, for in-stance, find out wherethey are stored.

3

Don’t beembarrassedto start thedishwasher

on its normal cycle, andto find out for yourselfthat all included appli-ances are working.

4

Try thedoorbell andcheck theoperation of

the alarm system. Askfor any instruction man-ual that may help withthe use of the alarm, andbe sure you are in-formed of any mainte-nance contract or re-sponse service companyinvolved with it. If thereis an intercom, be sure itworks to and from allstations.

5

Be sure thewater heateris workingand not leak-

ing. There may be morethan one. Check themall.

6

If there is airconditioningor, in rarecases onMaui, a heat-

ing system, see that theseare in working order.

7

Be sure thatplants andlandscapingelementshave not

been removed and thatany powered water fea-ture in the yard or homeis working properly.

8

Make certainthat you haveany and allremote con-trols. Getting

the garage door openersis obvious, but remem-ber to see that the re-motes and the doorwork. Also, are there re-motes for the alarm orany built-in entertain-ment devices?

9

As you checkall the appli-ances, ma-chines, fix-tures and fea-

tures, ask for manuals,warranties and repairhistories.

10

Finally, be surethat all per-sonal items ofthe sellers –including

trash and debris – are al-ready removed. If theyare not, the property isnot completely ready fora final walk-through.

11

Be aware: Neglectedrepairs like water leaks,faulty appliances orbroken alarm systemsare just a few of thethings you need to lookfor during the finalwalk-though.


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DIRECT: 808.283.3067 TOLL FREE: 888 781 3548 [email protected]

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ou want to own a home of your own. Thatmakes sense. You’d be wise to know whathome you can afford and what home own-ership really means. Here are a 10 things

to check, know or work out.1. The general rule is that you can afford to buy a

home that is valued at two to three times your annualincome. If that seems impossibly restrictive in Maui’ssoaring market, don’t give up. Talk to a lending pro-fessional about creative options that may be right foryou.

2. Make a list of what you want your new home tohave. Then, put the items in order—most importantfirst. You may not get everything in your first home.Maybe you’ll have to build or develop some of thethings that are lower on the list after you buy. Thatmeans checking that those things are actually possibleon the property, of course.

3. Think about schools, beaches, parks and thecommunity plans of various areas, and choose two orthree areas of the island that you’d be willing to livein.

4. Save up the money you’ll need for a down pay-ment and the closing costs. Generally, the closingcosts will be between 2 and 7 percent of the total sell-ing price of the home. So, a home selling for$200,000 will have closing costs of $4,000 to$14,000, in addition to the down payment.

5. Get your credit information in order. Check yourcredit reports on the three major reporting services(Equifax, TransUnion and Experian) and correct anyinaccurate information.

6. Using available online resources or publishedcharts or, better yet, in discussion with a lending pro-fessional, determine how much of a mortgage you canqualify for. As with tip No. 1 above, it may be that

Are you prepared to be a home owner?Y

you should consider non-standard loan options or cre-ative financing.

7. Be sure to have all the documents a lender mightask for ready to go. Granted, you may not know whatdocuments are useful. Guess. When in doubt, add itin. Then call the lender you’re planning to talk to seeif they can suggest anything else.

8. Look into special circumstances that may quali-fy you for any kind of special mortgage or down pay-ment assistance. Veteran? First-time buyer? Also, askyour lender to tell you about other possibilities forspecial consideration.

9. Calculate the cost of home ownership in ad-vance to avoid surprises. The mortgage is the mainexpense, but there are also property taxes, insurance,property maintenance and, in many cases, associationfees for the building or neighborhood.

10. Find a Realtor you’re comfortable with, onewith Maui experience and an attitude that you feelyou can work with. Your Realtor will be with you,representing you, through the entire home-buyingprocess.

Buying your first home is an adventure. You’ll en-joy it more if come to the process prepared.



By Joseph W. Bean

ften, when things don’t workout as planned, someone willsay, “When at first you don’tsucceed, try, try again.” Other

times, the correct reaction to things goingall wrong is a roundof congratulatory ap-plause. This is one ofthose cases, and thisone has now been go-ing strong for eightyears. Maybe you’venoticed.

In August 2005, ashe was preparing forhis installation as thepresident of the Real-

tors Association of Maui, Keone Ball toldeveryone he was on a mission.

“My goal is to get everybody in the as-

sociation to commit to do one hour amonth of volunteer work. If we can get1,500-plus Realtors to donate that onehour a month, that’s 1,500 hours to startwith, and it could be much more.”

Ball named his volunteer program“Kahiau,” and defined the rarely heardHawaiian word as, “to give generously orlavishly with the heart and not with expec-tation of return.”

Ball’s plan involved a special networkof websites, a registration system, andmuch more. The idea was to match Real-tors and affiliates—members who arelenders, inspectors, title company people,appraisers, photographers, and such—withneeds expressed by nonprofits serving thecommunities of Maui County. Also, therewas meant to be some promotion, maybe aframed ad in The Maui News if RAMcould afford it. The Association hired aconsultant-writer to work on that. That’sme, and task No. 1 of the contract was tomeet with Special Sections Editor at thetime, Rich Van Scoy, to work somethingout with the newspaper.

Nerve-wracking? You bet, but no need.Van Scoy liked the idea, worked it outwith his bosses, and even arranged to de-sign the space and create a logo for thecolumn. The paper would donate thespace, too. The Maui News was on board.

“The Maui News has always been agreat partner with Realtors and affiliatesand with the Realtors Association of Mauithrough thick and thin,” said RAM ChiefStaff Executive Terry Tolman. “Their sup-

port of our community outreach efforts,Presidential Scholarships, and the RealtorsWishing Well . . . for Maui Students pro-gram has made it all possible. By publish-ing the Kahiau column each Saturday, TheMaui News supports Maui’s nonprofit or-ganizations and the individuals who volun-teer for them. Mahalo, Maui News!”

What was that up earlier about thingsnot working out? Well, none of thefolderol Ball imagined was needed. Noneof it.

“When I started this,” Ball said, “I want-ed to ask everyone to volunteer, to get in-volved. I didn’t realize a lot of them—of-ficers, directors, Realtors, and affiliates—were already doing it. The public may nothave known it, and I didn’t know, but realestate people really were already very en-gaged with the community and doing a lotof good things.”

At a kickoff meeting held at Starbucksin Kihei, the Public Relations Committeewas able to suggest four start-up subjects.Everyone thought that would keep thingsgoing till the whole system—unnecessaryas you already know—got going. In fact,by the time the first Kahiau column waspublished on Sept. 17, 2005, there weremore than a dozen other real estate peoplelined up waiting to tell their communityservice stories and promote the causes theybelieve in.

That wasn’t the plan. This train wassupposed to need help getting out of thestation.

“I’m happy it went this way,” Ball said,

“very much so. People were already vol-unteering and serving the community. Thenext goal was letting the community knowthat Realtors are out there, and then usingthat news as a way of encouraging moreinvolvement and action from everyone.”

No one knew until Kahiau provided away to say it, but now every Saturday inThe Maui News, everyone can find outthat the real estate community really lovesMaui.

In the first eight years, the first 416Kahiau columns, the stories of nearly 220beneficiaries—nonprofits and needy indi-viduals in Maui—have been told, andthat’s not counting the 30-plus schoolsthat have been supported so richly bymany individuals within and beyond theRealtors Wishing Well . . . for Maui Stu-dents program.

Did you even know there are that manyorganizations reaching out to Mauians inneed? Admit it, you didn’t, but here are acouple of even more surprising facts. Withthe support of The Maui News, more than425 real estate industry people have beenfeatured with hundreds of others playingsupporting roles in their service stories,and these people have been representativesof more than 150 real estate-related com-panies.

“With the Kahiau column, people seethat Realtors are not different,” said Ball.“We’re just like you, and we’re part of thisMaui community.”

He didn’t know. You didn’t know. Noweveryone knows.

Realtorsgiving fromthe heartfor Maui

Bean

O

www.MauiRealEstate.net 808-879-3667 2007-2013

Bob Hansen, Broker, Donna D. Hansen, R(S) Clint Hansen, R(S)

Click QR code for easy access for Android and iPhone App or go to the App Store and type: HawaiiRealEstateApp . For iPad and Tablet, optimized website available at: www.mauirealestate.net/tablet

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We’re Committed to Serving You …

Refinancing or Looking to Purchase a Home? Let Maui County FCU help with your Mortgage financing. Dreams can come true with help from MCFCU! Rates are at an all time low, so call now! Call 244-7968 and ask for the mortgage department or online at mauicountyfcu.org.

Refinancing or Looking to Purchase a Home? Let Maui County FCU help with your Mortgage financing. Dreams can come true with help from MCFCU! Rates are at an all time low, so call now! Call 244-7968 and ask for the mortgage department or online at mauicountyfcu.org.


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nswering these few questionscarefully and honestly will helpyou decide if you should moveor stay in the home you have

now. Think through your answers. Haveyour family members think of theirs. Then,get together and discuss the answers untilyour thoughts lead to a decision that makeseveryone comfortable.

Shouldyou moveor stay inyourhome?

A

1.What’s your current equity? Lookat your annual mortgage state-

ment or call your lender to find outexactly how much equity you have inyour home. Usually, you don’t build upmuch equity in the first years of payinga mortgage, but in later years you mayhave significant unrealized gains.

2. How’s your income? Is your cur-rent income enough to support

the cost of moving and the costs of anew mortgage?

3.What about your neighborhood?Maybe you have children in

school; consider whether the schools

You’ll know you’ve done the best youcan for your family if you think carefullybefore you decide to sell your home andmove.


are appropriate for them. If you havefamily members living nearby, are youwilling to move away from them? Doesthis neighborhood work for you as itdid when you moved into it?

4. Could you remodel or add-on tomake the home you are in work

for your family? Remodeling and addingrooms can be difficult and stressful, butif you have a large enough yard to buildinto, you should at least consider theseoptions. Alternatively, do you have ameaningful use for rooms you onceneeded for children who have movedon?

5. How is the home market? If it’sgood, you may get top-dollar for

your home, but you also want to think

whether that money will be enough toget you into the kind of home you nowneed or want.

6. Besides the money you may get foryour home and the price you may

have to pay for a new home, include theinterest rate of your current mortgageand the rate you’ll have to pay on a newone. Lower rates will help you find abuyer for your home as much as theywill help you get into a new home.

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Maui Real Estate