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CONTENTS
Message From GAR
Departments 4
Message from the President
Market Report MLS Residential Rental Activity 2010-2012 and Active Listings
8
10
Feature Renting vs. Buying Which option is best for you?
12
Profile Patrick Supple Accidental Career Turns Into Love
May 2013 • Vol. 6 • No. 05 P.O. Box 24881 Barrigada, GU 96921 Tel: (671) 472-3495 | Fax: (671) 472-3498 email: office@yellowpagesink.com
|Publisher| |Business Sales Manager|
16
How to D.I.Y. Natural Air Fresheners
Jay-R S. Dominguez
|Display Advertising| 18
From the Experts What is Not Covered Under Your Homeowners policy?
Jennifer Santos
|Traffic/Circulation Manager| Josie Redmond
|Production Manager| 20
Curb Appeal Rain Water Harvest It. Recycle It.
Mark S. Burke
|Graphics & Layout| Mark S. Burke
22
One More Thing New 3.8% Tax on Real Estate Transactions
Edwin E. Valencia
|Editorial Contributors| Faye Varias Creative Services Clare Delgado
25
Who Ya Gonna Call?
26
Classifieds
28
Closing
Siska Hutapea Peggy Araullo Llagas Bryan J.C. Sualog Arlene Taitague Taitingfong
Guam Association of REALTORS® FAQs about The “Do-Not-Call” Registry Part II
Kim Anderson Young
By Clare Delgado 2013 President, Guam Association of REALTORS®
SHOPPING FOR PROPERTIES ONLINE…CALL A REALTOR® FIRST! Homeownership is a dream we all share. It’s part of the three basic necessities in addition to food and clothing. But with the rising costs of owning or renting a home along with a challenging economy, it may appear that pursuing that dream may be harder to attain. With that thought, we shop around, negotiate the best deal and hopefully get the most bang for our buck. Nowadays, looking for properties can be as easy as the click of a computer mouse. Most homes for sale or rent can be found online in various websites. Many of us know the benefits of looking of properties online in that you can search for properties anywhere and anytime. As you browse the listings, you could also see where the property is located, take a photo tour and calculate how much you can afford. There are many websites that advertise property listings. Websites such as Craigslist for example offers a section devoted to real estate listings. But while we are searching for the best bang for our buck, we need to remember that there are certain things we need to be aware of. When considering buying or renting property from an online source, take care that you are aware of whom you are dealing with. Part of being prudent is to know how to avoid online scams. Always deal with someone locally. Your favorite REALTOR® is local and will meet with you on a one to one basis. They can personally show you homes and negotiate the best price and terms for you. Secondly, it is highly recommended never to wire money to secure a property, unless you know the credibility of the recipient. Your local REALTOR® will ensure your deposit is safe and secure in either escrow or their company trust account. You can have peace of mind knowing where your hard earned money is deposited. It’s important to note that Craigslist does not participate in any transactions and also offers suggestions on avoiding scams. Your favorite and local REALTOR® though, can help you find the perfect place that you can call home. They will work hard to protect your deposit and ensure the keys to your home are safely delivered directly to you. Your REALTOR® is also one of your biggest advocates. They will protect your interests and strive to see to it that your dream of homeownership can also be as easy as a mouse click away. REALTORS® adhere to a strict code of ethics and are the ideal professional to help you in your pursuit of the dream of homeownership. Call your REALTOR® now!
GUAM ASSOCIATION OF REALTORS® Cover Photo: Makoto Yamanoi CasaGuam is Published by:
The Voice for Real Estate on Guam Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Office: (671) 477-4271 • Fax: (671) 477-4275
CasaGuam Advertising Disclaimer All Advertisers agree to hold the publisher harmless and indemnify it against any and all claims, losses, liabilities, damages, costs and expenses (including attorney’s fees) made against or incurred by the publisher, officers or employees with respect to, or arising out of, the content, text, graphics or representations of any ad published herein, including but not limited to the sole negligence and/or fault of the publisher. The publisher is not liable for any claims, losses or damages of any kind, arising from the wording, text, graphics or representations of any ad published herein, or the condition of the articles sold through the publication, or performance of services advertised in this publication. All advertising and/or performance of services advertising and/or submissions become wholly the property of CasaGuam Magazine. CasaGuam Magazine is a registered trademark of PTI Pacifica Inc. Copyright © 2008. All rights reserved. Reproduction in whole or in part in any form without the express written consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use.
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Market Repor t
MLS Residential Rental Activity 2010-2012 and Active Listings
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Market Repor t
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Feature
Are you new to the island? Is it time to finally move out of mom and dad’s house? Or are you just looking for a new place to live? One of the dilemmas you may be facing is whether to rent or buy. That depends entirely on what your circumstances are, says Kishin Advani, CIPS, CRS, and Realtor for the Real Estate Professionals.
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Feature
Renting vs. Buying Which option is best for you? By Bryan J.C. Sualog
“At this point in time, this month and last month, it’s been busy with rentals. A lot of rentals are being snatched up and the prices range from $1,980 to $2,450 or higher,” he says. “I was talking to one of the housing inspectors -- even up on base they’re giving them an option to rent a house or condo.” Whereas last year enlisted men and women would have to move into base housing. “There have been a bunch of people out there looking for rental properties. Sales have been relatively slow although interest rates are low. Not everyone is interested in purchasing. Service members who are only here for two to three years, what they do when they need to leave? They don’t know what the market will be like.” With real estate prices dropping and very attractive interest rates, it’s definitely a buyer’s market but Advani says that before making big commitments you need to evaluate your needs and limitations. Like everything else, there are many pros and cons to both purchasing a home and renting one. By purchasing a home you build equity, he says. “A home you purchased for $200,000 can go to $250,000 depending on the market.” There are also tax advantages, mortgage interest rates are tax deductible, he says. Payments are also stable. Your insurance premium may change but for the most part your monthly payments are stable. If you’re renting, what you pay in rent could go up or down once your contract is up. The most important thing is that you’re the master of your property, Advani says. “You can decorate the way you like – extend, expand, renovate. The property will appreciate and you build more equity. There’s also the sense of community. When you buy a property you get to know your neighbors. Kids get to know each other.” When you sign a contract renting an apartment, it may come with certain restrictions. “Landlords have certain house rules in place.
Typically when we submit a lease agreement it indicates how many people are staying in the apartment of if the tenant has a guest, how long they can stay,” Advani says. On the downside, when you own your own house, you have to maintain it. You’re in charge of maintenance costs, Advani says. If you’re a tenant, you report anything that needs repaired to the landlord. “If you have no time for upkeep or maintenance, you’re better off just renting a place.” “If you own a house and want to pick up and relocate, it’s hard to do that unless you know that you want to keep your house and put it up for rent. There’s also no guarantee that the market will go up.” Advani says under certain circumstances, he would recommend renting a home over purchasing. People with credit issues who can’t buy or meet financial issues, it can be hard to get financing. “They’re better off leasing a house or renting a place.” If you’re a service member stationed on Guam for only a few years, “and you know that it’s highly unlikely the market will change and you can sell your house and recoup costs. If they’re her for that short term, rent a house.” Other factors to take into account are if you’re new to the island or you’re not familiar with the market. He suggests you rent for a while until you do familiarize yourself with the market and you know which way the market is going. When looking to rent, Advani has these helpful tips. “First and foremost know what’s out there. See what’s available in your price range. If I have a job in Tumon, I want to stay close to the village,” he says. “Shop and compare. The more you look at the more knowledgeable you become. From there go through the process of elimination.”
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On The Cover
Fully Renovated 3 Bedroom with Japanese Sensitivity
P
ia Marine in Upper Tumon is conveniently located, overlooking Tumon Bay! There are large executive studios, renovated two and three bedroom units, available completely furnished or unfurnished. Some wonderful common area amenities include: pool, back- up generator, work out room, mail delivery, large balconies, security guard, on site restaurant, lobby, playground, BBQ area, tennis courts, and so much more!!
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Profile
Accidental Career Turns Into Love By Bryan J.C. Sualog
S
“
Patrick Supple REALTOR®, THE REAL ESTATE PROFESSONALS
Family:
Maria, wife; Erica (14), daughter; sons Noah (12) and Patrick Luke (7)
I think Casa Guam is a great magazine. It not only kee ps the general public up to date on what is out there for the m to buy or rent, but gives great tips on the buying and selling process.
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“
Some know what career they want at an early age but many people discover what they love accidentally. The latter was the case for Patrick Supple. Supple moved to Guam in 1984 after graduating from high school. He worked in the tourism industry and after a couple years he moved to Japan to study. When he finished he returned to work in Guam’s tourism industry until 1993 when he switched career paths but it wasn’t into the real estate industry. He opened his own photography company. “I still do Christmas (Santa Clause) photos and Easter bunny photos for the malls here in Guam.” It wasn’t until Supple purchased some fixer uppers with a friend and renovated and sold them that he first got a taste of the real estate industry. “The renovation process was a real eye opener and a great learning experience and becoming a Realtor® was a natural progression,” Supple says. “I became a Realtor in 2006 and have done real estate full time since then.” No matter what Supple does he always strives to provide the best service and results possible, “to take the steps that go beyond the norm. I want each and every person that I deal with to recommend my services.” In order to provide that service Supple makes sure to stay up to date on the latest things going on in the real estate industry and further his education by taking real estate related courses. One of Supple’s fondest memories as a Realtor® was helping a friend’s mother who had a bad experience with her previous agent. “When I was just getting started a close friend’s mother was in the process of relocating off island due to health issues,” he says. Because of her bad experience she was suspect of all Realtors. “I told her I wanted to be her first good experience with a real estate professional and I had her home sold within six weeks. She was extremely happy and it was a great experience helping her.” In order to avoid bad experiences, like his friend’s mother, Supple urges customers to do their research and use an experienced real estate professional with all real estate transactions. They can guide customers through the process of buying, selling or renting a property. “Real estate has its own language and it is important that you have someone that understands and can explain every aspect of a transaction to you,” he says. “If you do not have a Realtor®, ask friends, family or coworkers to recommend a good agent to you. Interview a few agents and ask about their experience and choose an agent you are comfortable with.” Supple says almost every deal has challenges that must be overcome but it is his job to ensure that his clients are getting the best possible deal and is completely informed throughout the entire process. “I learn something with each and every process,” he says. “Guam has been my home since 1984 and it is a great place to live and raise a family. I enjoy working for and with the people here and look forward to a future serving the island.”
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H o w To D . I . Y.
Natural Air Fresheners By Faye Varias
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Looking for a way to make your home smell good but don’t want to spend bucketloads on chemical laden products? Check out these home solutions. Easy Baking Soda Air Freshener http://smashedpeasandcarrots.blogspot.com/ 1/2 cup baking soda (per jar) Essential oil of your preference (8-12 drops) Mason jar (I love the 8 oz wide mouth Elite Collection for these!) Scrapbook paper Tapestry needle Scissors and pen Grab some scrapbook paper and trace the lid part (not the ring part) onto it with a pen or marker. Then just cut out your circle. Then grab your tapestry needle, it's one of those long needles similar to an embroidery needle (which would probably work just as well!). It has a large eye. Then go to town punching the needle all over the scrapbook paper. You are basically making a way for the pretty essential oil smells to waft throughout your home. Then pour about 1/2 cup of baking soda into the mason jar and add in 8-12
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drops of essential oil of your choice. Start off by adding less oil and if you find it's not strong enough to scent your room add in a bit more. A bigger room will need more oil and a smaller room like a bathroom will use less. Place the scrapbook paper inside the mason jar ring and tighten it onto the jar. Gently shake up the baking soda/essential oil mixture and there you go...presto! DIY Aroma Diffuser http://www.younghouselove.com/ One pack of $1 skewers from the grocery store An old vase Yummy smelling liquid You can clip the skewers to the right length using a wire cutter if they seem a bit long. And you can find a big bottle of fragrance oil at any dollar store so this whole project (which also makes a great gift) can easily come in under $5. It might sound weird to put soap in a vase and call it a room fragrance, but the naturally scented essential oils in the cleaning solution lightly scent the air for a refreshing grassy-lemon smell that’s pretty close
to intoxicating without having to worry about any toxins. Gel Air Freshener Tutorial at Delightful Country Cookin’ http://www.delightfulcountrycookin.com/ To make these little beauties, you first need a heat-proof jars, food coloring colors of your choice, and essential oil. Into each jar, drop a few drops of food coloring. Then, put in about 30 drops of essential oil, give or take. The more essential oil you put in, the stronger the smell. Gather up four envelopes of unflavored gelatin, a tablespoon of salt, and two cups of cold water. Why salt? Salt (or vodka) apparently help to keep the gel from molding. Interesting fact, isn't it? Get one cup of water boiling on the stove. When it begins to boil, whisk in the gelatin, stirring until it's all dissolved. Then, pour in the other cup of cold water and the salt, stirring until the salt is dissolved. Quickly pour the hot gelatin mixture in each of your jars, and then use a disposable stick or spoon to stir it into the oil and food coloring. Let these gel overnight, and then voila! Air freshener!
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From the Experts
What is Not Covered Under your Homeowners Policy? By Warren Waki Guahan Insurance Services Many of the insurance companies on Guam use homeowner policy forms that list the types of losses that are covered. The most common causes of loss (perils) that you will find on your policy are as follows: 1. Fire or lightning 2. Windstorm or hail 3. Explosion 4. Riot or civil commotion 5. Damage caused by aircraft 6. Damage caused by vehicles 7. Smoke 8. Vandalism or malicious mischief 9. Theft 10. Volcanic eruption 11. Falling objects 12. Weight of ice, snow or sleet which causes damage to a building 13. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire-protective sprinkler system or from a household appliance 14. Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system or an air conditioning or automatic fireprotective system 15. Freezing of a plumbing, heating, air conditioning or automatic, fireprotective sprinkler system or of a household appliance 16. Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component) 17. Earthquake is not usually listed in this area, but is added in by means of an “endorsement” or change to the policy on a separate page. So, if a vehicle (not owned by you) collided with your fence and caused damage, it would be covered because “damage caused by vehicles” is listed as a “peril insured against” or covered cause of loss. While terrorist attacks are not specifically referenced in Guam's standard homeowners policy, damage due to explosion, fire, and smoke - the likely causes of damage in a terrorist attack - are covered. Luckily, there are homeowners policies available that provide a wider scope of coverage. Ask your insurance agent about a HO-3 or “special form” policy. Only a few insurance companies offer HO-3 or “special form” policies that take a completely different approach and list “exclusions” or causes of loss that are not covered. These policy forms provide broader, enhanced protection for your home by covering “direct physical loss to property". These "special form" policies are the standard in the United States and cover just about everything except those losses that are listed under the "exclusions”. A standard HO-3 or “special form” policy will have the following exclusions: • Ordinance or law, such as demolition or construction required to bring your house up to code • Earth movement, such as earthquakes, shockwaves, sinkholes, landslides and mudflows • Water damage, such as floods, sewer back-ups and water that seeps through the foundation 18 CasaGuam May 2013
• Power failure • Neglect, meaning you failed to take reasonable means to save your property during or after a loss • War, including undeclared war and civil war • Nuclear hazard • Intentional loss, meaning something you did on purpose with the intent to cause a loss • Governmental action, such as the destruction, confiscation or seizure of covered property by any governmental or public authority • Loss to property, resulting from faulty zoning, bad repair or workmanship, faulty construction materials and defective maintenance In addition to the exclusions above, the HO-3 or “special form” policy does not insure against loss caused by: • Collapse • Theft of construction materials in or to a dwelling under construction • Vandalism or malicious mischief if a dwelling has been vacant for more than 60 days. • Mold, fungus, or wet rot. • Wear and tear. • Mechanical breakdown. • Rust or corrosion. • Release of pollutants. • Settling, shrinking, bulging or expansion, including resultant cracking, of bulkheads, pavement, patios, footings, foundations, walls, floors, roofs, or ceilings. • Birds, rodents, or insects. • Nesting or infestation by any animals. • Animals owned or kept by an insured. If a group of terrorists were identified as being responsible for setting fire to homes on the island, the HO-3 or “special form” policy could provide coverage because terrorism is not listed as a “exclusion” in the HO-3. Granted, it must be declared an act of terrorism by the government. However, if it were a nuclear bomb the loss would not be covered due to the “Nuclear Hazard” exclusion and possibly under the “War” exclusion. Basically, the HO-3 would cover terrorism but not an act of war. The government will declare whether it is one or the other and insurance companies will respond accordingly. To sum it all up, acts of war are not covered. Nuclear, biological, chemical or radiological attacks are not covered as well. These are examples of catastrophic events that are fundamentally uninsurable due to the nature of these risks.
For more information, ask your insurance agent about the Terrorism Risk Insurance Program Reauthorization Act of 2007 (TRIPRA).
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Curb Appeal
Rain Water Harvest It. Recycle It. ast September’s article, “Guttered Done”, inspired me to write a little more about the rain and how to use it to our advantage, especially since our rainy days have been more frequent. Recycling of rainwater is a conservation effort practiced in many parts of the world. There are a few places where a law exists that require all new construction to include rainwater harvesting adequate for the resident. Good idea!
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What is Rainwater Harvesting? Basically, it is the simple collection or storing of water through scientific techniques from the areas where the rain falls. It involves utilization of rain water for domestic or agricultural purpose. The method is simple and cost effective too. Rainwater harvesting ensures an independent water supply. This is great for when our main water supply is restricted or if we choose to save some dollars, as well as practice water conservation. For several months, Guam has been blest with much rainfall (or should I say, ALOT of rainfall!). What an opportunity for one to save the downpour, harness the water and recycle it for the many uses in our homes like flushing toilets, watering plants, irrigation and other interior and exterior uses. Recycling rainwater is a technique that is somewhat dependent on end-use and maintenance. It produces beneficial effects by reducing peak storm water runoff and processing costs. Rainwater harvesting systems are simple to install and operate. Running costs are negligible, and they provide water at the point of consumption. It is important that the system is sized to meet the water demand throughout the dry season. In addition, the size of the catchment area or roof should be large enough to fill the tank. Methods of Rainwater Harvesting There are a few ways to harvest rainwater. The two main ones are surface runoff and roof top rainwater. Surface runoff harvesting, is rainwater that flows away as surface runoff. This runoff could be caught and used. Roof Top rainwater harvesting, which this article will focus on, is a system of catching rainwater where it falls. In rooftop harvesting, the roof becomes the catchments, and the rainwater is collected from the roof of the house. It can either be stored in a tank or diverted to artificial recharge system. This method is less expensive and very effective and if implemented properly helps in augmenting the ground water level of the area. 20 CasaGuam May 2013
By Arlene Taitague Taitingfong
A Few Examples of Roof Top Rainwater Harvesting
Figure 1: The illustrative design of the basic components of rooftop
Figure 2: Another example of a rainwater harvesting system.
If you were ever in one of our typhoons (or experienced storm situations), you are no stranger to this basic rainwater solution technique as seen in this illustration. This is a basic model of rainwater harvesting. Costs are low and one can Figure 3: Example of basic rainwater solution. access the contained water easily. After a storm, one can easily have water for flushing the toilets, bathing and washing dishes. I mentioned that rainwater recycling is easy and affordable. I guess in determining what system to use or how elaborate you want the system to be, you need to ask yourself a few questions. Do I want a container on my rooftop or on the side of my home? Do I want it underground? What will I be using the water for? Do I plan to drink the recycled water? If so, how can I “treat” the water for consumption? How much is my budget? Check online for the many, many types of techniques one can use. There is a shower of great ideas! Also check the phone book as there are a few companies on Guam that can assist. Whether you have an existing home or plan to build one later, include a rainwater recycling system into your plan. It will increase you home’s value and save you money on your water bill, and you would be conserving another resource. Til next time, Go Green Guam! Did You Know? • 1 inch of rainfall on a 2,000 sq. ft. residential roof generates 1,250 gallons of water that can be reused. • That same roof in a region receiving 30 inches of annual rainfall generates 41,000 gallons of reusable water. • The average US household with a 10,000 square foot lot uses 5,000 gallons of water weekly for landscape irrigation. • Running a sprinkler for 2 hours can use up to 500 gallons of water.
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One More Thing
New 3.8% Tax on Real Estate Transactions By Kim Anderson Young If you are an investor that does not qualify for an exemption from the tax, you may want to explore the option of using a 1031 tax deferred exchange as a tool for deferring paying the new investment income tax from the capital gain on the sale of a property. Then there is the question of whether or not the Affordable Care Act and it various provisions even applies on Guam? According to Joe Arnett, there has been a recent ruling from the IRS indicating that Guam residents are not subject to the 3.8% net investment income tax. The Department of Revenue & Taxation is reviewing the IRS notice. In closing, it is more important then ever before to consult your tax professional with regard to your real estate investments!
With all the discussion over the past year regarding the new 3.8 % tax on real estate transactions as a method of funding the Patient Protection Affordable Care Act (Obamacare), I decided to do some research and called on local tax professional Joe Arnett of Deloitte and Touche for clarification. What I learned is that the tax is not really a real estate tax, it is an investment income tax and therefore applies to income from rental real estate, real estate capital gains, dividend income, royalty income, interest income as well as passive business activity income. The tax does NOT apply to retirement plans; nor will it apply to a taxpayer whose business or trade is real estate (with qualifying participation guidelines), although persons in the real estate business have their own new tax of 0.9% on earned income. In most cases, the 3.8% new investment income tax will not apply to a homeowner selling their home for two reasons. • First of all, the tax is applied to individuals with income over $200,000, and couples with income over $250,000. The tax is assessed on the profit realized by the sale, over and above what you paid for the home. • When you sell your home, the IRS allows for a home exemption of $250,000 for a single person, and of $500,000 for a married couple. In order for the tax to apply, a married couple that purchased a house for $300,000 and whose income was over $250,000 could sell their home for $800,000 before any tax liability would kick in. 22 CasaGuam May 2013
Kim Anderson Young, president of Security Title, has over 30 years of experience in the real estate industry. Contact her at kim@securitytitle.net or 647-8100.
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W h o Ya G o n n a C a l l ?
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Classifieds 688-2855
Commercial Rentals Dededo 106 East Sta. Barbara, Dededo 4bed/1 ba corner house, fenced, and gated. Centrally located close to church, school and malls. Asking $1,200/month. Call MYRNA @ 488-0144
Ordot-Chalan Pago Commercial space for rent. Approx 850 sq ft., video store or retail business. Asking $850/mo. Please call ANGIE @ 727-2228
Tumon Fountain Plaza for Rent: Finally prime commercial space in the much desired Fountain Plaza. Own your very own business amongst the likes of many long time established busibesses already patroning this plaza. Where can you go wrong, San Vitores road frontage with ample space, there are no lossers and YOU are the winner. Asking $2,700/mo. Please call DANIEL @ 687-5422
Residential Rentals Agana Heights Cliff Condo. 2BD/2BA. Newly renovated. New appliances. Water/Power incl. Sec. 8 OK. $1,150/month. Call 637-7165/ 689-3333/688-0887.
Moving Soon? Nice 4 bedroom, 2 bath, gated carport, porch in front, A/C, great location, near Marine Corps Dr. Feel at home, Call 637-0222 today! Duplex. Near school, park, grocery store 4 bed, 3 bath, 3 carport garage, 1a/c, 1 washer and refrigerator/typhoon shutters All inquiries welcome ¾ voucher Sect 8 ok. Please call Ed 788-0568 or Lynn 688-0771 Kaiser Dededo 3bedrooms 2baths hse 4 rent. Newly renovated last yr. Sec.8 welcome w/full sec.deposit. Call Karen 988-1883 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 727-6456 Dededo Villa Rosario - Spacious 3BR/2BA W/D, Pool, Security, Mailbox $1,650.00 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 632-1200 Paradise Estates-4bd/3ba single family home located in a prestigious and gated neighborhood Asking $2450/mo. CSR-PB 649-6088 Las Palmas PH II – 3bd/2ba, stv/ref/ca/c,w/d, pool, mail delivery, basic cable $1350/mo. CSR – PB 649-6088
Dai Ichi Condo. 3BD/1BA, Pool, Sec 8 OK, by O/A. $1,250. Call 637-7165/688-0887 Sunrise D Condo. Large 2BD/2BA. Pool. Very nice. 1,000 SqFt. $1,000/month. Call 637-7165/688-0887/689-7700.
3BD/2.5BA Townhouse. Pool. Security. Tennis Court. $1,900/month. Call 637-7165/688-0887/689-7700
Asan Beach House Newly Renovated, Fresh paint and ceramic tiles. Asking: $2,200.00/mo. Call FRANK @ 479-4663
Large 4BD/2.5BA. Single home. Pool. Security. Tennis Court. $2,450/month. Call 637-7165/688-0887/689-7700. Harmon Ct. Townhome. 3BD/2BA. Sec. 8 OK. $1,200/month. Call 637-7165/ 689-3333/688-0887.
Residential Sales Barrigada
Beverly Palms: 3bd/2ba, 2 story condo unit, w/pool, semi-furnished, appliances, high ceilings, & nice open floor plan BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 12-2250
Large 4BR/2Ba 1800sqft. House Only 248,000 637-7165 / 688-0887 / 689-3333
Condo units - 3bd/1ba, renovated, $1100/mo & 3bd/2ba excellent cond. $1700/mo BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 • MLS 12-509 & 12-523
Paradise Estates. Large 4BD/3BA, Exc. Condition, Sec, Beautiful Comp. $320,000 Call 637-7165/688-0887/689-7700
Tumon 2bd /1 ba, view, near beach, ex. condition, fully furnished. $1350. Call 637-7165/688-0887/689-7700/689-3333. San Vitores Terrace Condo: 3bd/2ba, 3rd floor unit with oceanview, upgraded unit with new carpets, pool, security and basic cable TV. $1800. Call Coral Sea Realty 649-6088 San Vitores Terrace Condo-2bd/1ba, 3bd/2ba – walking distance to beach, rest/bars, church. Asking $950 $1800/mo. CSR- PB 649-6088
Harmon
Asan
Asan 3bd./2ba. Ocean Views Newly Renovated - All ceramic tiles. New a/c's. Asking: $1,900.00/mo. Call FRANK @ 479-4663
Tamuning
Perez Acres: 3 bedroom / 1.5 ba townhouse with extra room great for family room or office, gated and secured community, pool, mail delivery. Asking $1900 . Call CORAL SEA REALTY 649-6088
Oka Towers Condo: 1bd/2bd/3bd avail. Great amenities, secured entry, rent incl. basic cable and water $1050.00 - $1550.00 CSR- PB 649-6088
Tumon Tumon Horizon Condo: 2bd/2ba, 5th floor, water incl., pool, security $950.00 CSR- PB 649-6088
Dededo
Villa Rosario Condo: 3bd 2ba Excellent Condition, Pool, Tennis Court, Play Ground. Good Location $160,000.00 Call 637-7165/688-0887 Las Palmas Ph3. 3rd Floor. Large 3BD/2.5BA/2Den. Pool. Excellent Condition. $255,000. Call 637-7165 689-3333/688-0887. Pacific Gardens. 1st Floor. Pool. Security. 1BD/1BA. $47,000. Call 637-7165 689-7700/688-0887/689-3333. For Sale By Owner Summer Palace Estates Located close to Cost-U-Less in Harmon 4Bd/2.5Ba 2100 Sq. Ft. Home located in a secured gated community with swimming pool, tennis court, and playground. New granite countertop and tile floor throughout with typhoon shutters. $440,000.00 Please call 777-0951 Paradise Estate Home - 3bd/2ba, 2 car garage, appliances, central a/c, typhoon shutters, secured entry, gated community, Asking $274,900 482-6252/777-3728 MLS 12-2026
Yigo Maite Mangilao
Barrigada 2b/1b, near Subway with water $830/mo. Please call 637-7165 / 688-0887 / 689-3333
2BD/1BA. Near Shop for Less. $750/month. Call 637-7165/ 689-3333/688-0887.
Dededo
Mangilao
Ester Garden: Large 2BD/2BA. Very nice. 1,000 SqFt, $800/month. Call 637-7165/688-0887/689-7700.
Nice house on a cul-de-sac street in Latte Hts. 4 bedrooms, 2 baths with all ceramic tiles and split a/c units per room. Newer kitchen counters and appliances. Fenced back yard. Has always been leased to military personnel for their tour on Guam. Asking $2,100 / month. Call DEANNA @
Paradise Estates. 4BD/3BA, Exc. Condition, Fenced. $2,450. Call 637-7165 689-3333/688-0887. 26 CasaGuam May 2013
Single Home. Excellent Condition. 3BD/2BA. Large yard. Good Location. $1,400/month or for sale $200K. Call 637-7165/688-0887/689-7700. Executive 2-story house with a great view, fully fenced and a quiet area. 5bd/3ba w/ 2 huge balconies. SS appliances, wash/dry, 2-car garage. Huge storage shed, a must see, Military OK! $3500/mo. Call Joe @ 483-3333! Perez Acres: 4 bedroom, 2 bath with pool & playground. Corner unit. Asking $1,900/month. Call SANDY @ 687-6006
Latte Heights House with 3 br / 2 ba, ideal location w/ carport, fully fenced, gated, spacious yard w/ patio. Asking $200K. Please call ANGIE @ 727-2228
Mongmong-Toto-Maite Exceptional 3bd and 3.5 ba home Enjoy the view, separate refrigeration and stove for the person who enjoys cooking, the pool and the great central location. Asking $630k Call JUDY @482-7775
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Classifieds Ordot-Chalan Pago Chalan Pago 2bed1bath SFD for sale. 1169sq.m lot Asking $119k. Call Karen 988-1883
Sinajana Large 4BR/3Ba 2755sqft w/1600sqft covered deck/porch. Detached util & gen. room. Walled/Gated & beautifully landscaped. $592K. Call Michael@ 487-4111
Winward Hill Estates: Lovely 4 bedrooms / 2.5 ba with beautifully upgraded kitchen and bathrooms, nicely appointed living & dining spaces & bedrooms. Large, well maintained yard with lots of gorgeous plants, flowers, trees and a cozy verandah & spacious tool shop in the middle of it all! Come see this beauty in Yona. Asking $289,000. Call MARILOU @ 988-5600
Land for Sale Chalan Pago
Tamuning Jonestown. 3bd/2ba. Large Yard. Fenced. $320,000 or $1,350 for rent. Call 637-7165/689-7700/689-3333 Tumon Heights. 4BD/2BA. Oceanview, Corner Unit, Large Living Room, Patio, 100% Back up Generator/Water, Exc. Condition. Only $355,000 Call 637-7165/688-0887 Condo units - 3bd/1ba, renovated, $125K & Agana Beach Condo, 3bd/3ba, beachfront, bank foreclosed, appliances, split a/c units, $500K 482-6252/777-3728 MLS 12-1565 & 12-1621 TAMUNING Executive 2 Storey Spacious House for Sale by Owner. Great location beside Cost-U-Less Tamuning and GPO. Great lifestyle and community environment with 5 bd/3ba corner lot; nice sized bd on 1st and 2nd flr; luxurious master suite w/ jacuzzi spa tub; quality granite staircases; hardwood railings; crown molding all over the house with open spacious kitchen and stainless steel appliances. Please call owner/lv msg at 727-6456.
Tumon Tumon View Condo. 2bd 1ba. Near beach. $110,000. Call 637-7165/688-0887/689-3333 Nice 2 and 3 bedroom condo with panoramic ocean view and city view and waliking distance from the shops and hotels. Please call George 483-9111 Century 21 CR. Lily Village Tumon Condo. Nice. 3BDM 2BA Fully Renovated. $2,000/mo.
1,387 SqMtrs, Good Location, 5 min. drive from Agana. Only $46,000. Serious Inquiries. Call 637-7165/688-0887 Chalan Pago LAND FOR SALE Wow! What a view you have to take a look at this large lot. Come see and fall in love! Only $210K. Call Century 21 Commonwealth Realty @ 649-2121.
Dededo Dededo Lot with a fabulous view overlooking the city. Great potential for future development. $400K. Call HANA @ 777-3660
Merizo Enjoy the view when you build on close to 1 acre of property located on Guam's countryside fronting Route 4. Great size and great potential. Only $60K. Call JOYLYN @ 488-5069
Piti Turner Rd. - Channel 10 - (Nimitz Hill) Piti. 151,508 sq. meters of unobstructed ocean views Asking: $2,300,000.00 Call FRANK @ 479-4663
Talofofo Perez Heights, Ipan, Talofofo Executive / Investment House Lot Only $58k, 929sm, 565-4464
Tamuning Tumon Heights. Talo Verde. 1,134 SqMtrs +/-, Near Beach, Premier Lot. $525,000. Call 689-7700
Yigo R-2 Lot Call 646-7137 Executive 2-story house with a great view, fully fenced and a quiet area. 5bd/3ba w/ 2 huge balconies. SS appliances, wash/dry, 2-car garage. Huge storage shed, a must see! $425K Sale. Call Joe @ 483-3333!
Yona
Yigo 1/2 acre. $48,000. Call 637-7165/689-3333. Yigo Lot. 3,716 SM. Near Marianas Terrace. Asking $90K. 482-4354. CasaGuam.com 27
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Closing
By Peggy Araullo Llagas
Message from the Executive Officer FAQs about The “Do-Not-Call” Registry Part II Are there any exemptions to the rule? Yes. There are few exemptions to the new rules. A telemarketer may call the following:
compliance purposes. It is not permissible to download and distribute the lists to third parties, even if the purpose of the distribution is to help members comply with the Rules.
• Consumers with whom the seller has an existing business relationship. This applies to existing clients and customers and extends for up to 18 months after the end of a transaction. If a consumer makes an inquiry, the telemarketer can call the person for up to three months after the inquiry. • Persons who have granted prior express permission to call. This permission must be in writing.
A consumer calls my office to inquire about a listing. Can I call this consumer to talk about other listings over the next three months, or I am limited to only discussing the property which prompted the consumer's call? The Rules permit a company to call consumer following an inquiry for three months after the inquiry or until the consumer requests to be placed on the company's do-not-call list. There is no limit on what the company can discuss with the consumer during those three months. Thus, other listings could be discussed with the consumer over the next three months.
In addition, the rules do not apply to the following entities • Charities and tax -exempt nonprofit organizations • Political campaigns • Callers taking surveys or polls. Do the new rules apply to calls made to FSBO’s? There are two instances when a real estate professional would call a FSBO seller. The first would be a real estate professional seeking of a FSBO listing, and the second would be a buyer's representative who believes his/her client might be interested in a FSBO property. A buyer's representative can contact a FSBO owner whose number is listed in the Do-Not-Call registry about a client's potential interest in the property, as this call is not a telephone solicitation by the buyer's representative. Note that the buyer's representative can only discuss his/her client's interest in the property and not use a purported client's interest as a way to also discuss the possibility of the FSBO owner listing his/her property with the buyer's representative. However, a real estate professional would be prohibited from initiating a telephone call to a FSBO seller whose number is listed in the Do-Not-Call registry in an attempt to obtain a listing. The rules prohibit anyone from making telephone solicitations to telephone numbers that are registered in the database, and a call initiated to obtain the listing falls within that definition. Can I still call Expired Listings? The established business relationship exemption permits the listing agent as well as other agents from the same company to contact the seller for up to 18 months after the expiration date. For all other agents, the Registry must be consulted prior to calling. If the seller has placed their number in the Registry, you should refrain from calling them. Do the new rules apply to calls made to businesses? No, the Do-Not-Call Registry is only for residential telephone numbers. How will these new rules be enforced? The FTC and FCC are working to develop a Memorandum of Understanding to achieve an efficient enforcement strategy. The FCC provides for a private right of action. Aggrieved consumers can sue if they receive two calls in violation of the regulations by the same company within a twelve month period and collect $500 for each violation. My state association would like to download the area codes for my state and post those on its website for use by the members. Is this permissible? No, the Rules make it clear that the only permissible use of the registry is for 28 CasaGuam May 2013
A former client calls and tells me a friend of hers would like me to call her to discuss the possibility of her listing her home with me. Do I have to check the Do-Not-Call registry before making this call? Yes, you would need to check the Do-Not-Call registry because it is not clear whether this sort of indirect inquiry would qualify as a "customer inquiry" within the Rules. My company publishes a telephone number with particular listings that interested consumers can call to receive additional information about the property. When the number is called, the system plays a recorded message about the home's features. During the call, the system also captures the telephone number of the caller. Will this type of call be considered an “inquiry” for purposes of the exemption? The test under the Rules is whether the consumer has a reasonable expectation of receiving a return call. Therefore, in your recorded message to consumers, your company should create such an expectation by informing the consumer that they can expect a return phone call. Offering the consumer the ability to opt out of the return call would be the recommended solution. What are the fines and are there any safe harbors? The fine for calling someone whose name appears on the Do-Not-Call Registry is up to $11,000 per call by the federal government, $500 for a lawsuit by a state attorney general or a consumer. There is a "safe harbor" for inadvertent mistakes. To meet the safe harbor, the entity making the call must demonstrate that: • It has written procedures to comply with the do not call requirements • It trains its personnel in those procedures • It monitors and enforces compliance with these procedures • It maintain a company specific list of telephone numbers that it may not call • It accesses the national registry no more than 31 days prior to calling any consumer and maintains records documenting this process • Any call made in violation of the do not call rules was the result of an error For More Information Contact: Peggy Araullo Llagas, Executive Officer Guam Association of REALTORS® Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Tel: (671) 477-4271 • Fax: (671) 477-4275 Mobile: (671) 689-4271 • www.guamrealtors.com
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We speak Russian, Farsi, Chinese, Korean, Japanese, Filipino, and Chamorro facebook.com/Century21CommonwealthRealty
RENTALS Dahlia St., Dededo - 3Br/2Ba - $1,250 - #13-1089 Kayen Annako, Dededo - 4Br/4Ba - $4,600 - #13-1259 Anga St., Mongmong-Toto-Maite - 3Br/1Ba - $950 - #13-1363
Barrigada $379,990 6Br/3Ba #13-925
Dededo $325K 4Br/3Ba #13-1177
Dededo $398K 4Br/3.5Ba #13-1158
Mangilao $405K 4Br/3Ba #13-1156
Tamuning $170K 1Br/1Ba #13-920
Tamuning $200K 3Br/2Ba #13-1153
Tamuning $658K 5Br/4Ba #13-1166
Tumon $470K 4Br/2.5Ba #13-1068
Yigo $200K 4Br/2Ba #13-946
Yigo $285K 3Br/2Ba #13-1129
Yona $178,500 3Br/2.5Ba #13-1205
Dededo $268K 3Br/2Ba #13-440
Ordot-Chln Pago $449,900 4Br/3Ba - #13-540
Mangilao $39K 2Br/1Ba #13-882
Tamuning $323K 4Br/2.5Ba #13-627
Tamuning $750K 4Br/3.5Ba #11-1889
Yigo $200K 2Br/1Ba #13-1401
Yigo $220K 3Br/1.5Ba #13-1419
Yigo $185K 4Br/2Ba
Mangilao $79K 2Br/1.5Ba #12-3915
Mangilao $430K 4Br/2.5Ba #13-373
Dededo $295K 4Br/3Ba #13-1497
Tamuning $519K 4Br/3Ba #13-1394
Dededo $180K 2Br/3Ba #12-1959
$172,000 Multi-Family - 4Br/2Ba
Dededo $30K Commercial #13-1090
Chln Inda St., Ordot-Chln Pago - 4Br/5Ba - $4,600 - #13-1265
Holiday Tower Condo, Sinajana - 2Br/2Ba - $2,200 - #13-924 Oka Tower Condo, Tamuning - 1Br/1Ba - $1,400 - #13-945 Talo Verde, Tamuning - 4Br/3Ba - $4,500 - #13-1146 Villa I’Sabana, Tumon - 3Br/3Ba - $2,200 - #13-1058 Chln Tun Luis Duenas St., Yigo - 4Br/2.5Ba - $2,200 - #13-1186 Pomika Apts., Tamuning - 2Br/2Ba - $1,000 - #13-436 Talo Verde, Tamuning - 4Br/3Ba - $4,500 - #13-1146 Chln Kanton Tasi, Ordot-Chln Pago - 3Br/2.5Ba - $2,200 - #13-629 Tumon Hts, Tamuning - 3Br/2Ba - $1,200 - #13-1371
Homes & Condos
Sgt E. Cruz St., Santa Rita - 3Br/2Ba - $2,000 - #13-896
Alupang Cove Condo, Tamuning - 1Br/1Ba - $1,600 - #13-1377 San Vitores Terrace, Tumon - 2Br/1Ba - $2,300 - #13-1386 S. Upi St., Yigo - 3Br/2Ba - $2,205 - #12-4367 A&D Apts, Mongmong-Toto-Maite - 3Br/3Ba - $2,200 - #13-434 Palm Seas Condo, Tumon - 3Br/2Ba - $2,450 - #13-185 Chln Binadu, Yona - 4Br/2Ba - $2,200 - #12-3225 Chln Kanton Tasi, Merizo - 1,200SqFt - $1,200 - #13-682 R.K. Plaza, Tamuning - 1,189SqFt - $325 - #13-1277 R.K. Plaza, Tamuning - 1,295SqFt - $1,425 - #13-1280
LAND
R.K. Plaza, Tamuning - 406SqFt - $325 - #13-1281
Tun Akin Cabessa, Yigo - 1,321sm - $54,000 - #13-1179
Commercial & Multi-Family
Ipan Padua Lane, Talofofo - 969sm - $45,000 - #13-637 N. Paulino Hts Rd, Talofofo - 990sm - $59,900 - #13-358 N. Paulino Hts Rd, Talofofo - 991sm - $59,900 - #13-359 Piti - 1,123sm - $150,000 - #12-4907
Mongmong-Toto-Maite$2.4M Multi-Family #13-1344
Yigo $172K Multi-Family #13-1491
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