CasaGuam Volume 08 Issue 11

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CONTENTS

Let ter from the Editor Letter from the Editor

Departments 4

Market Report Market on the Upswing!

8

Feature

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Boost Your Home Value from Top to Bottom

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Real Estate Spotlight Title Insurance Policies Protect You

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November 2015 • Vol. 8 • No. 11 P.O. Box 24881 Barrigada, GU 96921 Tel: (671) 472-3495 | Fax: (671) 472-3498 email: office@yellowpagesink.com

Rosemarie S. Milan

[ Publisher ] [ Business Sales Manager ]

“Big or small...they are

Jay-R S. Dominguez

all equally important!”

[ Editor ]

Profile

Arlene Taitague Taitingfong

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From the Experts A Simple Way to Get a Whole New Look Recover Your Awning!

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How to D.I.Y. 9 Homemade Cleaning Products

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Curb Appeal Increasing Your Curb Appeal with Patio Furniture

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Who Ya Gonna Call?

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Classifieds

[ Display Advertising ] Evelyn Trinidad

[ Traffic/Circulation ] Carol Aperocho

[ Production Manager ] Mark S. Burke

[ Graphics & Layout ] Mark S. Burke Edwin E. Valencia

[ Website Development ] Edwin E. Valencia

[ Editorial Contributors ]

Bueñas everyone! This month, the magazine covers topics relating to the home “From Top to Bottom”. You’ll find articles from outdoor furniture to home cleaning remedies, and then some. Our FEATURE explores ways one can increase the value of a home with a few ideas and some simple changes, many of which will not break your piggy bank. Rosemarie S. Milan is our PROFILE subject this month. Regardless of how much she avoids being in the spotlight, this private person manages to be well known on Guam because of the many she has helped throughout the years. Read how she remains successful in all her endeavors. Kim Anderson Young shares a story about liens in REAL ESTATE SPOTLIGHT. Find out how you can protect yourself in your next real estate purchase. We also have our monthly reports and input from GAR leadership. Find out what the latest information is in the real estate market. If you have ideas or topics you are interested in seeing, please let us know at editor@yellowpagesink.com Until next month,

Deanna Palmer Arlene Taitague Taitingfong Kim Anderson Young Cover Photo: Mark S. Burke CasaGuam is Published by:

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Arlene Taitague Taitingfong

Arlene Taitague Taitingfong

Closing

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 Global reach through a local company you can trust! 479-8829 • 688-2855

Associate Broker

dpalmer@remaxguam.com

Deanna Palmer - CRS

Market on the Upswing! The real estate market on Guam is in a shift to higher activity, fewer days on market, higher volume, and increase in prices. In looking at the MLS data reports there is some good news! Homes and condos are selling and leasing faster with the days on market (DOM) decreasing by 4.27% on average. The number of for sale listings which are active have been lower starting in June and continuing to date. This means that the rate of absorption is better. Average number on months from listing to closing is 23.84% of change for homes and 42.57% change for condos. This translates to 10.83 months for homes and 8.27% months for condos for sale. Average number of transactions for sale of homes year over year has increased and the average price of the sales is higher by 17.79% The number of transactions for sale of condos year to date is the

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same as last year. The average sale price is lower by 2.19%. On the rental side, the average DOM is faster with a change of 7.04%. The average leased price is $2,265 which is a 7.45% increase over last year. For the Condo/Apt rentals, the average DOM has lowered to 56 days representing a change of 14.71%. The average leased price has increased to$1568/mo and is a 2.28% increase over last year. Condo sales volume is equal to last year. Home sales volume is increased this year. Be checking back with your agent for the final quarter of the year. The banking TRID is in effect and though we expect some delays with loans, now is still the perfect time to purchase. Let the experts help you understand the process to help you be successful.


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Market Repor t

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Feature

Boost Your Home Value From Top To Bottom

By Arlene Taitague Taitingfong

Home improvement projects help boost the value of your home. Whether you plan to sell your home now or in the future, or just want to make a few changes, these projects pay off. Here are a few ways you can make improvements to your abode from top to bottom.

1. Open up the space

2. A little trimming goes a long way

If you watch the HGTV channel, you might have caught a few episodes of “Flip Or Flop”. The stars of the show purchase low priced homes and make renovations to the property. The purpose is to “flip” the home by selling it at a higher price than what they originally purchased the home for in a specified amount of time. The talented couple really have the ability to look at a property and see what renovations need to be made in order to sell the property at a higher price point. Most buyers are looking for an open concept home. In the show, they usually knock out a non-structural wall to create that open floor concept. If the kitchen is not salvageable, it is stripped and replaced with new, yet functional kitchen cabinets. The “Flip or Flop” team make the process looks so easy, but I know it is hard work. If I learned anything from the show, it’s that one can transform the feel of a house just by opening up the space. The open space makes the living area look larger and gives a sense of flow in the floor plan.

Trim overgrown tree branches and do some hedge work on overly bushy shrubs. Your aim is to create a neat yard and not block a good look at the house. Overgrown foliage restricts views you can enjoy from a window. It can even darken your interior, interrupting the flow of natural light to come in. It may also promote mold in some areas.

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3. Maintenance is the key to less expense in the long run Always address the basic in maintenance needs, even before you think about upgrades and home improvements. Check the septic system, repair leaks in windows, and upkeep the yard. It costs less when you maintain the property diligently, compared to waiting until the leaks become rivers, the septic tank starts to seep, and your weeds overtake your plants. Maintenance may cost a few hundred dollars compared to a few thousand if you wait too long and the little fixes become larger problems. You don’t have to put a lot of money down to make a difference.


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Feature 4. Energy efficiency

6. Flooring - It’s more than what you stand on

If you find that you will need to replace old air conditioners, water heaters, or windows, it is best to replace them with green efficiency appliances. You will see the savings by way of a lower power bill and possibly get some rebates. According to the Appraisal Journal, it is estimated that energy savings add twenty times the annual savings to the value of the property. Additionally, the value to your home increases because you installed energy efficient appliances, making your property more desirable.

Flooring is important. It can make a big difference in the look and feel of your home. Some like the feel of a cold hard surface, especially if you live in tropical weather like ours. Others prefer the cushy softness of carpet. Then there are those who want both. Whichever material you prefer, make sure they are well maintained. If you see tiles starting to pop up, check it immediately. It may be that you have water issues underneath, or perhaps there may not have been enough adhesive applied during installation. Replace broken tiles. Not only are they dangerous and can cause accidents, they look awful! Can’t find matching tiles? No problem. Find different colored tiles and create a pattern or design. You won’t have to pull up all the tiles, and you will be giving your floor a new look in an inexpensive way! If you have wall-to-wall carpeting, clean routinely. Proper maintenance will extend the life of the carpet. At times, it may not be enough just to vacuum. Carpet tends to hold dirt, grime, pet dander, not to mention biological stains like pet mishaps, and vomit. Some of these items, although you may have cleaned immediately, can create mold and mildew under the carpet. If your carpet is a minefield of stains, it is time to replace it.

5. The power of the front door The front door is the first thing people see before they enter your home. Make it inviting by keeping the area clear of clutter. Make sure the door bell and the front door (or porch) light is working. Add a few personal touches by adding a few plants. If you don’t have an overhang to protect you from the rain or the sun, think about installing an awning. Be sure the walkways to your home are also clean and neat. Keeping your front door area simple and clean gives your home great curb appeal.

7. Easy Bath Upgrades My mother used to tell me that the two things people look at when they visit a home is the kitchen and the bathroom. According to my internet sources, she is right. Making small changes is the key if your budget is limited. I recommend focusing on the bathroom. Remodeling this area can be inexpensive, yet give high end results. Start by replacing faucets and other bathroom fixtures with new materials. Something as simple as changing out doorknobs and cabinet pulls will do the trick. If you have a little more in your budget, replace the cabinets and vanity stand. Clean the grout and apply fresh caulk if needed. In some instances, buying a new toilet does the trick.

8. Neutral Wall Colors If your walls are chipped, peeling or faded, it is time to have the walls painted. Stick with neutral colors , especially if you plan to put the home up for sale. Plus, neutral colors make it easier for you (or the potential buyer) to go with any color or style scheme that will be thrown into the mix via curtains, sofas, and rugs. It is said that a little at a time does the trick. Small changes in your home will give you a sense of accomplishment while adding value to your property. It is always nice to get opinions or advice from friends and family. Take someone shopping with you and get a second opinion. No need to do it all on your own. Make it a fun experience. CasaGuam.com 9


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On The Cover

Great Starter Home Brand New 3BD/2BA house nestled in one of the most desirable locations in Dededo. This home offers many fine features such as: solid wood kitchen cabinets with granite countertop, full concrete & railing fence, nice master bedroom suite with tub, and a walk-in closet. A MUST SEE!!

BRAND NEW! $295K 3BR • 2.5BA MLS #15-3407

Weiwei Ou REALTOR®

777-0688 luckywwo@yahoo.com

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Real Estate Spotlight

Title Insurance Policies Protect You O

By Kim Anderson Young

ne of the functions that a title and escrow company performs is to guaranty that all liens are paid in full when a property is sold to a new owner. That means that they not only pay off the loans, but the title company also obtains a commitment by the lender that they will release the liens once they have been paid. I am dealing with a very interesting case right now and I am not yet certain how it will be resolved, but I do know that the Owner’s Title Insurance policy the buyers purchased, will protect them from financial loss, 23 years AFTER they acquired the property. Here’s the situation: In 1990 the property owners, (lets call them the Smiths), borrowed $150,000 to start a small business. They mortgaged two of their properties to the US Small Business Administration (SBA). In 1992, the Smith’s sold one of the properties to Mr. Jones. As part of the closing, the title company paid SBA $25,000 to release the property from the mortgage. Mr. Jones purchased a title insurance policy that guaranteed that there were no mortgages or liens against the property — that it was “free and clear”.

Fast forward to 2015 and Mr. Jones has decided to sell the property and quickly gets a full price offer. Unfortunately, a search of the title discloses that the SBA mortgage has not been released (a partial release should have been provided and recorded in 1992 when Mr. Jones purchased the property). Fortunately, Mr. Jones still has his records from when he purchased the property, and the documents prove that SBA received funds from the closing. Part of the service that title companies provide is curing title defects. We contacted the SBA office and asked for a partial release to clear the title. After days of diligent research, SBA notified us that the Smith’s loan went into default in 2000 and a subsequent bankruptcy left over $200,000 owing on the mortgage. For this reason, SBA refused to provide a Release of Lien. We are still in the thick of figuring out how to resolve this old lien on the property, but one thing I know for sure, Mr. Jones’ title insurance policy will guaranty he does not have to pay off this old mortgage himself, nor have to hire an attorney to protect the free and clear title to his property.

About the Author 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. 12 CasaGuam November 2015


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Profile

Big Or Small…They Are All Equally Important!

By Arlene Taitague Taitingfong

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Our profile guest this month is someone who strives to be low key. Rosemarie S. Milan has a vibrant personality, yet does not like being in the limelight. Her name, however, is well known because she has been helping people obtain homes, even before her real estate career began. Years before stepping into the real estate arena, Milan worked as a branch manager for one of the financial institutions on the island. She enjoyed assisting mortgage loan customers and delighted in assisting others in hopes that they can get ahead or realize their goals. She also worked with real estate agents and saw how they helped bring the dream of home ownership into realization for her clients. This inspired her to pursue a career in real estate. The bank was a training ground for her and she is very grateful for the experience. In 1988, she received her real estate license and not long afterwards, she made a bold decision that changed her life. After giving her two-week notice to the bank, she began her new career almost immediately and started as a real estate agent with Century 21 Management Specialists. After a year, she transferred to Century 21 Commonwealth Realty and eventually earned her Associate Broker license. In 2003, she formed her own company and became the Principal Broker for Guam M Realty. She did all this by the time she reached the young age of 29. With three children, Milan was able to make time for her family while being able to work with her clients. As with all agents who have children, that is a lot to juggle, but she managed to do so. “Being able to assist clients in fulfilling their dream of owning a piece of real estate is the most enjoyable work for me,” expressed Milan. Her advice to others is to treat people the way you want to be treated. It doesn’t matter about the value of the sale either. She added, “Big or small transactions — it doesn’t matter — they are ALL equally important.” Milan also advises to simplify things, but remain committed to what you do, especially when dealing with first time homebuyers. “Sometimes they may not know what they want in a home. You need to help them along this process.” She also emphasized that in addition to buyers and sellers, you need to be ready to help others like landlords, tenants and professionals such as bankers, title companies, surveyors, engineers, architects and government agencies. “If you want to get the most out of this field, it will require continuing education, networking, good rapport, hard work, persevere, honesty and integrity.” Milan added, “If there are any problems, concerns or complications, the Guam Association of REALTORS® has a panel that address issues.” Several years ago, Milan served as an 14 CasaGuam November 2015

Rosemarie S. Milan PRESIDENT/PRINCIPAL BROKER GUAM M REALTY

elected officer for GAR. She noted that one of the contributing factors to her success as a businesswoman, is the code of ethics that she learned from banking and real estate industries. She carried this over to her position as GAR Treasurer at the time, and still practices this code today. Presently, Milan is a wife, businesswoman and grandmother, and shares that she really doesn’t have that much time for herself sometimes. “Real estate is ever changing! I’ve experienced the ‘boom’ and the ‘bust’ in this industry. As a real estate agent, you need to manage your priorities. It’s important for survival. Money isn’t everything, but save a little bit because it isn’t always ‘sunny’ in this line of work.” Milan recommends CasaGuam magazine. “Use the magazine to promote your real estate business and listing of properties.” When she is not working, Milan spends quality time with her family. She also likes to read and watch action/adventure movies. She loves to travel and tries to do so at least two or three times a year. “You work so hard. You need to enjoy life!”


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From the Experts

A Simple Way to Get a Whole New Look – Recover Your Awning! By Elizabeth: Posted in Commercial Awnings, Residential Awnings, Tips From the Experts

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Want an easy upgrade to freshen the look of your home or business, at a fraction of the cost? Did you know you can easily recover a residential or commercial awning to give it a whole new look and feel? This is an easy upgrade that doesn’t require a large investment, and can make a big difference to the exterior of your home or business.

A Bright New Look For Your Home If you have an awning on your home, we’re guessing that you love it. Awnings are a great way to find a cool spot without running up your electricity bill, or to enjoy the warm months while remaining protected from the harsh effects of the sun. And while he benefits of an awning are many, perhaps you might need or want a new look for your outdoor shade. Maybe you are ready for a new fabric, or perhaps you purchased your home with an existing awning, and the current look just isn’t your style. The good news: there’s no need for a major overhaul! You can recover your awning easily in a new fabric and style, without breaking the bank. And a fresh, new fabric can really change the look of the exterior of your home. We bet the hardest part will probably be making a selection from the variety of choices available!

Stripes are often popular when it comes to awnings, but perhaps you would like a more modern, or monochromatic feel. There are an endless array of solid colors, and even textured varieties that offer a completely different feel to an outdoor awning.

An Eye-Catching Upgrade For Your Business An awning for your business can add so much! Would you like to provide shade for outdoor seating? Keep your customers out of the elements when they are entering your business? Or just enhance the entryway to your building while prominently displaying your name or logo? Just like any other aspect of your business, your outdoor awning is doing heavy duty lifting, and could perhaps use an upgrade or refresh! This cost-effective improvement could also be spurred on by a special celebration, anniversary, or perhaps you’re re-branding your current look. Don’t forget your awning is a perfect place to show off your logo and products or services. Once again, an experienced designer can make sure you know all of the options available to you, as well as what would be the most cost-effective solution for your new look. Achieve a professional, unique, and functional look. 16 CasaGuam November 2015


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H o w To D . I . Y.

Nine Homemade Cleaning Products

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Simple ingredients from the pantry can be used to make cleaning products that are kinder to the environment for a fraction of the cost.

Diluted White Vinegar Mildly acidic white vinegar dissolves dirt, soap scum and hard water deposits from smooth surfaces, yet it's gentle enough to use in solution to clean hardwood flooring. White vinegar is a natural deodorizer, absorbing odors instead of covering them up. (And no, your bathroom won't smell like a salad. Any acid aroma disappears when dry.) With no coloring agents, white vinegar won't stain grout on tiled surfaces. Because it cuts detergent residue, white vinegar also makes a great fabric softener substitute for families with sensitive skin. In the kitchen, use vinegar-andwater spray to clean countertops, lightly soiled range surfaces and backsplash areas. In the bathroom, spray countertops, floors and exterior surfaces of the toilet. For really tough bathroom surfaces such as shower walls, pump up the cleaning power by heating the solution in the microwave until barely hot. Spray shower walls generously with the warmed solution, allow to stand for 10–15 minutes, then scrub and rinse.

By (Unattributed)

Baking Soda Baking soda's mild abrasive action and natural deodorizing properties make it a powerful replacement for harsh commercial scouring powders. Sprinkle baking soda onto a damp sponge to tackle grimy bathtub rings, scour vanity units or remove food deposits from the kitchen sink. For tougher grime, make a paste of baking soda and water, apply to the tub or sink, and allow to stand for 10–20 minutes until the deposits have softened and can be removed. Keep bathroom drains running freely and smelling sweet by pouring 1/2 to 3/4 cup baking soda into the drain, and dribbling just enough hot water to wash the solution down. Let stand for 2 hours to overnight, and then flush thoroughly with hot water (do not use on blocked drains).

Rubbing Alcohol Rubbing (isopropyl) alcohol provides the base for an evaporating cleaner to rival commercial window and glass cleaning solutions. Use it on windows, mirrors, chrome fixtures and for a shiny finish on hard-surface ceramic tiles.

Undiluted White Vinegar Used straight from the jug, undiluted white vinegar makes quick work of tougher cleaning problems involving hard water deposits or soap scum. Use it to clean the inside of the toilet bowl. Before you begin, dump a bucket of water into the toilet to force water out of the bowl and allow access to the sides. Pour undiluted white vinegar around the bowl and scrub with a toilet brush to remove stains and odor. Use a pumice stone to remove any remaining hard water rings. Clean shower heads that have been clogged with mineral deposits with undiluted white vinegar. Place 1/4 to 1/2 cup vinegar in a plastic food storage bag, and secure the bag over the shower head with a rubber band. Let stand for 2 hours to overnight, then rinse, and buff the fixture. White vinegar softens clothes and cuts detergent residue. For family members with sensitive skin, add 1 cup to the laundry rinse cycle instead of commercial fabric softener. For general cleaning purposes, you can substitute lemon juice for white vinegar. Use the outer rind to polish porcelain surfaces and release fragrant lemon oil. If you have a garbage disposal unit, grind the rind in it while running cool water down the drain. The oils in the rind clean the disposal unit and sharpen the blades. 18 CasaGuam November 2015

Citing source: http://www.hgtv.com/design/decorating/clean-and-organize/9-homemade-cleaning-products


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H o w To D . I . Y.

Ammonia

Homemade Glass Cleaner

An alkaline solution, clear ammonia creates stronger window and all-purpose cleaning recipes than acidic vinegar. Choose a nonsudsing type: Suds may look as if they're working, but they're tough to rinse and remove.

Try this recipe to harness the cleaning power of rubbing alcohol. Mix in a spray bottle: 1 cup rubbing (isopropyl) alcohol 1 cup water 1 tablespoon white vinegar

Green Cleaners Homemade cleaning products offer many advantages to costconscious households. Using on-hand ingredients can be far less expensive than buying commercial cleaners, won't generate discarded product packaging, and the household avoids exposure to harsh chemicals or toxic ingredients. Try these cleaning recipes as a starting point, increasing or decreasing their strength as your household's cleaning needs require.

Homemade Spray Cleaner Try this recipe to harness the cleaning power of white vinegar. Mix in a spray bottle: 1 cup white vinegar 1 cup water

Try the following formulations for spring cleaning or tough chores. Strong Glass Cleaner Mix in a spray bottle: 1 cup rubbing (isopropyl) alcohol 1 cup water 1 tablespoon clear, nonsudsing ammonia Strong All-Purpose Cleaner Mix in a spray bottle: 1 tablespoon clear, non-sudsing ammonia 1 tablespoon clear dishwashing liquid 2 cups water CasaGuam.com 19


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Curb Appeal

Increasing Your Curb Appeal with Patio Furniture

By Arlene Taitague Taitingfong

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One way to give your home curb appeal is to expand the living area to the outdoors via your patio or balcony area. It sure beats the expense of adding another room. Forget the walls. No matter what size you may have, you can create a relaxing space for yourself and for your guests, by adding patio furniture and accessories. If you have a balcony, create a small “retreat” area by adding a few pieces of key furniture such as a small table and chair. You can use the area to enjoy your meals “al fresco” or to sit back and read a good book. Accessorize with citronella candles and a small plant or two. A small area like this won’t take up too much of your budget, and you can find some great deals at local thrift shops or yard sales. There is some truth to the old adage, “One man’s trash is another man’s treasure”. Buying second-hand furniture is inexpensive. One can either re-upholster or spray paint tables and chairs. If your set is mismatched in style, unify them with one color. Now would be a great time to try out a hue that is bright or bold. You can easily pull the look together with complimentary color accents in throw pillows and planters. It will give a good contrast. For larger areas like patios or decks, you might want to keep in mind entertainment opportunities that will arise like family barbecues and holiday get togethers. Don’t undersize your choices, especially if you have ample patio space to work with. Remember, this is your outside refuge, your change of scenery, your space to commune with nature. You want to accommodate your guests and have them enjoy your outdoor area with you! Keep our tropical weather in mind when shopping for new furniture. It should be able to withstand the elements, plus be easy to clean. Remember to have comfort in mind. Don’t be afraid to sit on chairs at the furniture stores. See if it can handle children, pets, and company. You get what you pay for, so try to invest in long-lasting furniture. It sure beats sitting outside in a lawn chair with your cooler as a tabletop. Here are a few excerpts which I pulled from Sara Elliott’s article, “10 Tips to Select Outdoor Furniture”, found in home.howstuffworks.com Insist on good quality. What you buy to use outside has to stand up to sun exposure, wind, rain and probably some roughhousing, too. Inspect every piece you're considering for flaws, especially if the deal sounds too good to be true. This is one area where a higher price is often a good indicator of better quality. Don’t undersize your choices. You've probably seen those wire chair contraptions that look like slingshots. They function as

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Curb Appeal chairs, but that doesn't mean you'd willingly spend time in one if you had any other choice. One problem is size. Some patio chairs are just too narrow and skimpy. Others are built so low to the ground that getting out of them can be downright embarrassing —especially for older folks. Sizing for love seats and couches can be tricky, too. Some are pretty deep from front to back, which can make them uncomfortable to sit in for any length of time. When shopping for outdoor furniture, sit down and relax —literally. Test the pieces you have in mind. Think comfort and buy accordingly.

consider adding to your wish list: • standalone umbrellas you can move from place to place dividers or screens that can block the view from the street or nearby homes (some even come equipped with planters in the base for stability and a little seasonal color) • wheeled carts that can transport food and other necessary items in and out of the house • drop-leaf, collapsible or accordion tables that can be extended when you have guests

Don’t forget the shade. During the hottest part of the day, sitting outside can get pretty unpleasant if your furniture isn't situated in the shade. What's the next best thing to a big old shade tree? Some sort of shade cover. Whether you're using a crank-deployed umbrella, a motorized awning or are blessed with a permanent wood or fiberglass roof over your patio or deck, make arrangements for some naturally refreshing and sheltering shade.

Once you have your furniture in place, maintain it routinely so that mold won't start forming, especially with our humid environment. Depending on the material, it may be a matter of wiping down the cushions or removing the outer covers and throwing them in the laundry. Be vigilant of unwanted guest i.e. ants, mosquitoes, and mud dabbers. Many like to create nests in the most unusual places. I get spellbound watching them, but not if their nests are too close to MY entertainment area; I get “crazy” with sprays and/or water, with an occasional rock thrown in — literally. If you see where they reside, get a professional to handle their removal. The only thing I will say about accessories for your outdoor area is the items need to be functional, and not merely attractive. Make sure the decor can withstand the elements, just like the furniture.

Make it flexible. You know that great footstool in the family room that everyone wants to use? It's a comfortable item that's also flexible and convenient. You want that kind of flexibility in your outdoor furnishings, too. Here are some flexible patio pieces you might

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W h o Ya G o n n a C a l l ?

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Classifieds Commercial Rentals

Piti

Dededo

Yigo

Hagåtña

2BR, Ocean view! Across the beach! Close to Port, Naval Station, Polaris, & Stores. Max two tenants. $650 (Price does not include utilities) Call 649-8265 or 727-8265.

4BR/2Ba NCS Mabini St., Fenced R2 Zoned Currently has Tenant Renting @ 1800/Mo • Priced to Sell $250,000 Call Joy 456-1515 or Mike 488-4025

3BD/2BA Home, gated, storm shutters,

Commercial space for rent. 1,792 square feet. $3,500/month. Call Ellen’s Realty at 647-0888 for more details!

3BD/2BA home. Fully fenced.

Sinajana Tamuning 1,100+/- square feet of office space. Marine Corps Dr frontage. 2nd floor unit. Excellent condition. $1,925/mo.

Price reduced. 305K. Call Ellen’s Realty @ 647-0888

Holiday Tower Condo - 2BD/2BA. Corner unit. Ocean & island views. Upscale & upgraded kitchen w/ extra counter space & stainless appliances. $2,205/mo. Call Sandy @ 687-6006.

for more details! 3BD/2BA home. Fully fenced. Price reduced. $305K. Call Ellen’s Realty

Home with swimming pool for sale! 4BD/4.5BA + 2 carports. Includes concrete gazeebo, concrete fence & sliding steel gate, typhoon shutters, A/C’s, stove & dishwasher. 1,822 SqFt living area + 1/2 acre lot. Call Rena at Buena Vista Realty at 687-7362 for more details!

Land for Sale

Tamuning Paradise Estate - 4BD/3BA.

Tumon

clinics, restaurants, office or bed &

Call 688-8276 or 653-5679.

at 647-0888 for more details!

Call Dennis @ 727-3815.

Exceptional commercial bulding, great for

split A/C, backup generator. $195,000.

Located in one of the few well

4BD/2BA centrally located home for rent, along Carlos Heights. Tumon is closeby. Call Lolita @ 688-6743 or 479-8891 for more details.

a family home and a smart investment.

Tumon

3BD/2BA Home, gated, storm shutters,

Agat

maintained residential areas. Great for Call Tara @ 482-2074.

14,221 SqMtrs. Fairly level. $711,050. Call 649-2121 for more details.

breakfast facility. $6,000/mo. Call Yumiko @ 688-7791.

Dededo

split A/C, backup generator. $195,000.

Residential Rentals Agat MILITARY APPROVED! 3BR. Ocean View!

San Vitores Terrace - 3BD condo w/ ocean view of Tumon Bay & ocean. Partially furnished or unfurnished. Negotiable monthly rent. $2,350/mo. Call Julie @ 687-6900.

Renovated. Near Base, Stores, and Schools. Call 649-8265 or 727-8265.

Dededo

Tecio Tumon Villa - Awesome 3BD/2BA unit in the heart of Pleasure Island. Walking distance to beaches, dining, shopping & more! $2,600/mo. Call Janet @ 687-1841.

5BD/5.5BA home. $4,800/mo. Call Ellen’s Realty @ 647-0888 for more details! 3BD/2BA home for rent. $1,980/mo.

Tumon Horizon Condo - 2BD/1BA. Fully renovated & furnished. Water included. Call Weiwei @ 777-0688.

Residential Sales

Fully renovated. Fenced & gated. Call Loisa @ 727-6880.

Agat

Ordot-Chalan Pago

HOT PROPERTY! 3BD/1BA on 1/4 acre, mature trees. $18K in New Renovations, $18.5K/yr prior RENTAL INCOME! Near Naval Station. $3K Seller’s credit available. MLS # 15-296. ONLY $159K. (671) 687-6900. leramos1@yahoo.com Call (425) 941-5232

Peaceful and serene 4BD/2BA home. 1,922+/-sf of living space. Upgrade master suite. 3-car covered car port. Call Suzanne @ 482-6426.

Call 688-8276 or 653-5679.

Sinajana Grand and private 2 story home w/ endless features. 5BD/3BA. Over 3,086 +/- sf of living space. Backup generator. Large master bedroom. Amazing landscaping. $589K. Call Duane @ 689-7777.

Tamuning Tamuning Cliff-side Castle - 5 spacious bedrooms and 4 baths. over 5,000+/- sf of living space. Panoramic ocean views. Near major establishments. $1,397,000. Call Anthony @ 688-8198.

Toto Modern, newly renovated executive 4BD/3BA home with a living area of 1,950 SqFt and a lot of 1,351+/- SqMtrs. Energy efficient. Built w/ quality materials. Gated. $368K. Call Karen @ 988-1883.

2,024 square meter lot. Subdivided into 3 or can be consolidated into one. Call Loisa @ 727-6880.

Talofofo Birds eye view of the CPP Golf Course and the ocean. 2,118+/- square meters. Nearby lot also available for a larger estate. $125K. Call Sandy @ 687-6006. 929+/- square meter land for sale. Quarter acre lot, rectangular in shape. $57,400. Call Lolita @ 688-6743 or 479-8891 for more details. Construction started on property but not finished. Owner has building plans and permits on file. Power and water are on site. $60,000. Call Clare @ 483-2120 for more details.

Yigo Paved access. Utilities on site. 1,916 square meters. Call Geri @ 687-8865.

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Closing

Message from the President Ryan DeGuzman 2015 President Guam Association of REALTORS®

Message from the Executive Officer and Government Affairs Director Peggy Araullo Llagas Guam Association of REALTORS®

REALTORS® Political Action Committee (RPAC)

The REALTORS® Commitment to Excellence has been adopted as follows:

Since 1969, the REALTORS® Political Action Committee (RPAC) has promoted the election of pro-REALTOR® candidates across the United States. The purpose of RPAC is clear: REALTORS® raise and spend money to elect candidates who understand and support their interests. The money to accomplish this comes from voluntary contributions made by REALTORS®. These are not members’ dues; this is money given freely by REALTORS® in recognition of how important campaign fundraising is to the political process. RPAC doesn’t buy votes. RPAC enables REALTORS® to support candidates that support the issues that are important to their profession and livelihood. (National Association of Realtors).

As a real estate professional, laws and regulations set the minimum standards I owe to my clients, customers, and the public. In that regard, my duties are the same as other practitioners. As a REALTOR®, I embrace and I am bound by the duties spelled out in the REALTORS® Code of Ethics. In addition to the duties owed to my clients and customers, to the public, and to other REALTORS®, I strive for the aspirational goals of the Preamble, knowing that the term REALTOR® stands for competency, fairness and integrity. I believe in the value of the land. I understand the importance of adequate housing, functioning, livable cities, productive industries and farms and a healthful environment, and their role in nurturing a free society in the United States and internationally. As a real estate professional I may be required to meet ongoing education requirements to maintain a license, certification or designation. As a REALTOR®, I continuously enhance my grasp of issues affecting real estate, and I willingly share my experience and expertise with other professionals. My dedication to the satisfaction of my clients’ best interests is my primary goal. Understanding that the pursuit of knowledge continues lifelong, as a REALTOR® I will strive to achieve excellence in the following competencies:

RPAC WORKS From 2004 to 2012, RPAC raised over $45 million dollars to support pro-REALTOR® Party candidates running for Congress. The amount of money RPAC spends to support candidates makes it one of the top three trade association PACs in the nation. REALTORS® are a key part of the American Dream: home ownership. But now, more than ever, REALTORS® are facing forces from many directions that threaten their profession. Property tax burdens, lack of available financing and difficulties in short sales transactions are only a few of the issues that somewhere, every day, REALTORS® confront when selling a home. RPAC allows REALTORS® to make sure their concerns about these issues are heard and understood by public officials. RPAC SUPPORTS THE REALTOR® PARTY RPAC’s mission is to identify candidates for elected office on the local, state and national levels who will work with REALTORS® to promote and protect the American Dream of homeownership. Candidates that receive support from RPAC are not selected based on their political party o ideology, but solely on their support of real estate issues. Our legislative allies are members of the REALTOR® Party. The REALTOR® Party supports the issues that are important to your business as a REALTOR®, regardless of political party affiliation. (All information above taken directly from: http://www.realtoractioncenter.com National Association of Realtors). From the top to the bottom Guam Association of REALTORS® are on your side as defenders of real estate issues so please let us know how we can help improve our island community by taking on the responsibility of protecting property values and property rights. Ryan J. De Guzman GAR President "Love, care and serve!" Associate Broker/ MRP/ REALTOR®

• Being current and knowledgeable about the laws, regulations and legislation affecting the real estate disciplines I engage in, and about real estate in my community generally. • Understanding the Code of Ethics is a living document, and keeping mysel informed about its duties and obligations on an ongoing basis. • Providing equal professional services to all consistent with Article 10 of the Code of Ethics. • Advocating for property ownership rights in my community, state and nation. • Acknowledging and valuing that honesty and integrity are fundamental and essential to REALTORS® being known as consumers’ trusted advisors. • Becoming and remaining proficient in the use of technology tools to provide the highest levels of service to clients, customers and the public, and facilitating cooperation by sharing accurate, current information with consumers and with other real estate professionals. • Keeping up-to-date on laws and regulations governing data privacy and data security, and taking necessary and appropriate steps to safeguard the privacy and integrity of information entrusted to me. • Committing myself to enhancing my knowledge and skills in the real estate areas of practice I engage in on an ongoing basis. • Providing superior customer service. • Appreciating that courtesy, timely communication and cooperation are fundamental to facilitating successful real estate transactions, and to building and maintaining an impeccable professional reputation. • As a broker-owner or principal of a real estate company, I am committed to creating and maintaining an environment that promotes excellent customer service consistent with these standards. - National Association of REALTORS® -

GUAM ASSOCIATION OF REALTORS®

Are you working with a real estate professional who is a REALTOR®?

Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Office: (671) 477-4271 • Fax: (671) 477-4275

The Guam Association of REALTORS® shall remain your leading advocate for promoting and protecting homeownership on Guam. Visit our website at www.guamrealtors.com.

The Voice for Real Estate on Guam

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