Southeast Alaska Home & Real Estate Guide - MARCH 2017

A PUBLICATION OF CAPITAL CITY WEEKLY | JUNEAU EMPIRE

SOUTHEAST ALASKA

MARCH 2017

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11370 GLACIER HIGHWAY POWELL REALTY SEE INSIDE FRONT COVER

TABLE OF CONTENTS On the cover: Photo by Hadassah Nelson 2 Powell Realty 3 Southeast Alaska Real Estate 4 Ricker Real Estate Consulting AlaskaUSA Mortgage: Minerva Carandang RE/MAX: JoAnn Birt 6 Residential Mortgage 9 Southeast Alaska Real Estate: Karen Wright 10 Coldwell Banker: Gwendolyn Place 13 First Bank Mortgage 15 Exit Realty AlaskaUSA Mortgage 16 Southeast Alaska Real Estate

The Southeast Alaska Home & Real Estate Guide is a publication of Capital City Weekly and Juneau Empire, divisions of Morris Communications www.capitalcityweekly.com www.juneauempire.com 3100 Channel Drive Juneau, AK 99801 Capital City Weekly: 907-523-2250 Fax 907-789-9097 Juneau Empire: 907-586-3740

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TRY THIS ON THE GRILL

IS YOUR GRILL READY FOR YOUR CULINARY IMAGINATION? Recent improvements in the design and engineering of gas grills have transformed the art of grilling. From searing and rotisserie cooking to planking and smoking, gas grills now provide chefs with several different grilling techniques to develop flavors, textures and aromas. With a quality gas grill, the right set of features and these grilling methods, the culinary possibilities for a backyard chef are endless.

So what features do you need? To get the most out of different cooking methods, a gas grill has to be designed with these performance features: Excellent heat retention; searing power and flavor vaporization at the grids; full coverage stainless steel flavor wave, or heat medium; precise heat control; a side burner and a rotisserie burner.

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March 2017

TRENDING

CO-SIGNING QUESTION:

We have been asked to co-sign a mortgage. This is not something we want to do, even though a close relative is involved. How do we get out of this?

ANSWER:

Such a request should not be seen as surprising. According to a 2015 study by the National Association of Realtors, 24 percent of all firsttime buyers purchase with a gift from relatives or friends.

Co-signing a mortgage is essentially like a financial gift, but it’s different in a very important sense: If you give a gift of money, that’s it — your obligation is limited to that amount. However, if you co-sign a mortgage and there’s a default, you can be responsible for any and all unpaid money owed to the lender. For this reason co-signing is not something to undertake without caution, it is a serious financial commitment.

Also, co-signing a mortgage can impact your credit.

According to TransUnion, one of the three major credit reporting agencies, “Essentially, when you co-sign on a loan, you are taking on legal responsibility for the account, and it will appear as your obligation on your credit report.”

Some alternatives to co-signing look like this: First, see if the borrowers qualify for down-payment assistance.

There are thousands of programs nationwide.

Second, see why a co-signer is needed. If there is a credit issue per-

Mastering the Techniques One of the unique and delicious methods to grill food uses a wooden plank. The smoke created from the plank sitting directly above a lit burner infuses the meat with a delicate smoky flavor.

Using a plank is simple: • Soak it in water for at least an hour and pat it dry.

• Pre-heat your grill on high for 10 minutes.

• Coat both sides of the plank with olive oil then place the seasoned meat on it.

• Place the plank on the grill directly over the lit burner and reduce the heat to medium-low.

• Cook the meat to its desired doneness.

Grilling planks are specifically designed for the grill and there a variety of flavors to choose. Cedar planks are ideal for salmon, but don't be afraid to try other meats. Pork goes great on a maple plank and lamb is delicious on alder.

Try planking today with this easy recipe for salmon using a cedar plank.

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haps a gift can be made to reduce credit card bills or other obligations, a step that can raise credit scores.

Third, have the borrower check his or her credit reports for errors and outof-date items that can reduce credit scores. Free reports are available from AnnualCreditReport.com.

Fourth, take a look at what the borrower really needs. Maybe they should be borrowing less given their savings, credit standing, and housing needs, and by borrowing less perhaps they won’t need a cosigner. Not an easy conversation but realism counts. Perhaps a friendly real estate broker or loan officer can suggest a “right-sized” loan amount.

Fifth, maybe you can help the borrowers other ways as in “I can’t co-sign at this time because of other financial obligations, but I can help with some down payment money. Would that be good for you?”

Lastly, you have the right to say no. It’s your credit standing and you don’t need a reason or justification to turn down a financial request.

Such a decision might be discomforting at family dinners but don’t let social pressure force a decision you don’t want to make. If someone other than the borrower says you really should co-sign, suggest that it might be a great opportunity for them.

Peter G. Miller is author of “The Common-Sense Mortgage,” (Kindle 2016). © CTW Features

Tahini-Sesame Salmon Ingredients: cup tahini (Sesame Butter) cup honey cup soy Sauce White wine (for consistency) • Coat the salmon fillets with a light dusting of salt and black pepper.

• Mix the tahini, honey and soy sauce. Add white wine as necessary if the mixture is too thick. It should be creamy but still light enough to drizzle and baste.

• Coat the filets with the glaze and arrange them on the planks and place planks on the grill.

• Close the lid and cook for 15 to 20 minutes.

Salmon is cooked when it is opaque in color and flakey to the touch of a fork.

More information on grilling and great recipe ideas is available at www.broilkingbbq.com.

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PURCHASING A HOME

6 RULES FOR TODAY’S BUYERS AUTHOR AND EXPERT ILYCE GLINK OFFERS HER TOP TIPS FOR SMART BUYING

BY MATTHEW M. F. MILLER Whether you’re a first-time buyer or ready to trade-up, Ilyce Glink, author of “100 Questions Every First-Time Homebuyer Should Ask, 3rd Ed.” (Three Rivers Press, 2014), offers these must-follow rules for buying a home in today’s market: 1. Understand the relationship between income and house price

Look beyond your income when buying a house; you also have to assess the incomes of homeowners in the neighborhood of choice, which will help determine where the housing prices in the area are going.

2. Learn to forecast your income As a potential homeowner, you must consider all possibilities when it comes to your income. It may rise, but it also may stay flat.

3. Buy your house as a home to be lived in, not an asset to be leveraged Due to economic uncertainty, your home may not enjoy any appreciation over the next five to 10 years, so make sure when you buy your home, you’ll enjoy living there.

4. Focus on income if you want to invest in real estate It’s important to focus on how much income an investment property will generate, and not solely on price appreciation or the tax loss you’ll generate from depreciation.

5. Rethink the concept of location Over the next few years, it may not pay to be a traditional real estate pioneer, settling in a new or regenerating neighborhood with the expectation of outsized returns at sale.

Rather, pick those close-in neighborhoods that will see their return and grow more

quickly.

6. Know that all new construction is not created equal It may not make financial sense to pay a higher price for a nearly new home rather than paying much less for an existing home that can be fixed up. © CTW Features

ASK A BROKER

TOO THIN TO BUY?

QUESTION: My lender says we have a “thin” credit file and because of that cannot be considered for many mortgage programs.

Apparently we are being penalized for avoiding debt and paying cash. What is “thin credit” and how do we make it, um, fatter?

ANSWER: Lenders are in the business of making mortgages, but they have a dire fear of risk so before they write a check, they want to be certain borrowers are financially qualified.

This is done in large measure by looking at a number of standard factors such as income, debts, assets, and credit.

For most of us, credit is proven with 8

credit reports and credit scores. However, a large number of individuals are outside the credit scoring system. According to the Consumer Financial Protection Bureau, about 45 million people are credit invisible or credit un-scorable.

By “credit invisible” the government means people who don’t have a credit report and are off the credit grid. “Credit un-scorables” are individuals who have credit reports, but the data is so old or sparse that it can’t be scored. Because un-scorables present so little data their credit reports are said to be “thin.”

There are several ways around the problem of thin credit reports.

First, get a few credit cards – say from a gasoline company or a department store.

Pay the balance in-full and on-time each month.

Second, ask lenders about non-traditional credit options.

The fact that someone lacks a full credit report does not necessarily mean they’re a poor credit risk. Maybe they prefer to pay bills with cash. Maybe they don’t trust

banks. Maybe they believe avoiding debt is the route to sound finances. Or, imagine someone with a good job who lives with their parents — there may not be any visible rent or utility payments.

Borrowers may be able to document credit by using 12 consecutive months of canceled checks to show regular payments for such things as rent, insurance, childcare, utilities, cell phones, and cable TV. To meet the underserved market represented by those without credit standing the lending industry is increasingly open to non-traditional credit. For example, last summer Fannie Mae said when two people jointly purchase a property the “borrower with a credit score will no longer be required to contribute more than 50 percent of the qualifying income,” meaning that a borrower without a credit score now can be the bigger wage earner.

Nontraditional lending standards are evolving and becoming more broad-minded; so don’t panic if you have a thin credit file.

For additional information speak with local © CTW Features lenders.

January 2017

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March 2017

HOME EQUITY “A HELOC is a great way to have an emergency fund in place. They’re ideal for people with equity in their home who have a need to access it,” says Sam Mischner, head of mortgages and sales for LendingTree in Charlotte, N.C., who attributes the rise in HELOC popularity in recent years to rising home values, increasing interest rates and a significant number of consumers with low interest rates on their first mortgages.

Clay Selland, president of Danville, Calif.-based Signet Mortgage Corporation, says opting for a HELOC can be a smarter choice than refinancing or pursuing a cash-out refi, especially if your goal is to pay off mounting bills or fund a renovation or big-ticket purchase.

“I’m not a big fan of rolling consumer debt into a home loan by refinancing every few years.

Refinancing into a new 15 or 30 years fixed first loan sounds attractive, but without the discipline of making additional monthly payments toward principal, a client is then financing short-term debt like credit cards or car payments over 30 years – a pattern that can negatively impact the wealth generated by homeownership,” Selland says. “A HELOC provides a middle ground solution.”

Blomquist expects that HELOC originations will continue to increase for the foreseeable future.

“The fundamentals of the market, low housing inventory, slow housing starts, and growing household formation should keep home values rising for at least the next 18 months,” he says. “But don’t just take out a HELOC simply because you have the equity – use it for a specific need that may require a large amount of cash and that’s going to improve the equity in your home. And certainly don’t leverage a HELOC to live beyond your means.”

Additionally, shop around for HELOC lenders carefully.

“Find a professional mortgage lender who is knowledgeable about the benefits and risks of various HELOC options in the market,” says R. Patrick Lamb, president of Homeowners Financial Group in Scottsdale, Ariz. “Being well educated is the most important thing to avoid taking out a loan that’s not in your personal best interest.”

EQUITY RISING

BY ERIK J. MARTIN

More homeowners today flock to HELOCs — should you?

If you’re a homeowner who survived the real estate market downturn from a few years back, chances are the value of your home – and your equity in it – has increased. And therein lies an opportunity: the chance to tap into that equity in the form of a home equity line of credit (HELOC), which can be a great way to finance a home improvement project, pay down debt, help pay for college, or even purchase a car.

This option has proved to be increasingly popular in recent years – in fact, for 17 consecutive quarters spanning 2012 through mid-2016, residential HELOC originations increased, according to ATTOM Data Solutions.

“Over the past four years of this housing recovery, homeowners have steadily regained equity and confidence in the housing market, resulting in a steady climb in HELOCs. That steady climb culminated with HELOC originations reaching an eight-year high in the second quarter of last year – the highest level since third quarter 2008,” says Daren Blomquist, senior vice president of ATTOM Data Solutions in Irvine, Calif. “HELOCs pulled back a bit in third quarter 2016, but we

expect them to continue their upward trend in 2017 barring any big jump in interest rates.”

A HELOC is essentially a form of revolving credit for which your property serves as collateral. You can get approved by a HELOC lender for a particular amount of credit based on your ability to repay the loan; this amount is typically calculated by taking a percentage of your residence’s appraised value and subtracting from it the balance due on your existing mortgage. Unlike a loan that’s distributed in a single lump sum, you’re allowed to draw from your approved funds (via checks or a special credit card) whenever you like within the first 5 to 10 years. When you draw money, you simply make at least a minimum monthly payment, which usually is payment on the interest only; nothing is charged when no money is drawn. Once the draw period ends, a 10- to 20-year repayment period begins, during which time you can’t make any further withdrawals from the line.

HELOCs have adjustable interest rates that can vary over the life of the loan, but many can be converted or refinanced into fixed-rate loans before the draw period ends. While a HELOC’s variable rate can be higher than that for a conventional fixed-rate loan, it’s often much lower than you’d pay on a typical credit card; plus, the interest you pay is usually tax deductible.

© CTW Features

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HOMEOWNERS DON’T WANT TO END UP UNDER WATER, WHICH MAKES FLOOD INSURANCE A MUST — HERE’S WHAT YOU NEED

BY ERIK J. MARTIN

Consumers purchase homeowners insurance to safeguard their property from a variety of perils, including fire, wind damage, theft, and vandalism. But they often incorrectly assume that a major water hazard – flooding – is included in their coverage.

Not to worry, you may think: I don’t live in a coastal area, near a dam or levee, or a region affected by hurricanes.

But truth be told, it can flood anywhere affected by precipitation. In fact, heavy rainfall, severe storms, and fast-melting snow are significant causes of flooding, as are wildfires and construction and development that can alter natural paths of drainage.

Floods remain the country’s number one natural disaster, accounting for an average of more than $1.9 billion per year in total flood insurance claims between 2006 and 2015; the average flood-related claim today exceeds $46,000, and the top states for flood claims include Texas, South Carolina, Florida, Kentucky, Missouri, Oklahoma, Illinois, Louisiana, Washington, and Indiana.

Whether you currently own or are considering purchasing a residence, experts strongly recommend investing in optional flood insurance, regardless of the area.

“Typically, property insurance policies do not cover flood damage, and this exclusion is often highlighted in bold letters on the declarations page of each policy,” says Gina Clausen Lozier, Boca Raton, Fla., an associate at Berger Singerman law firm. Therefore, in order 12

to be covered for flood loss, property owners must obtain a separate flood insurance policy,” “Separate flood policies generally provide coverage for losses caused by storm surges of tidal water that result in flooding, or the overflow of water from an inland body of water.”

Flood insurance may actually be required if three conditions are met: you buy a property located in a federally designated special flood hazard area, your community participates in the National Flood Insurance Program (NFIP), and your home is or was financed by a federally regulated lender or backed by Freddie Mac or Fannie Mae. Homes located in these high-risk areas have at least a one in four chance of flooding over the course of a 30-year mortgage; but even moderate-to low-risk areas submit more than one in five NFIP claims and receive one-third of Federal disaster assistance for flooding.

Butch Kinerney, marketing and outreach chief for the Federal Insurance and Mitigation Administration (FIMA), which manages the NFIP, says NFIP flood coverage is offered by a number of private insurance companies or may be purchased directly from the Federal Emergency Management Agency (FEMA).

“The first step should be to speak with your current insurance agent to determine if you can purchase flood insurance from them. You can also visit FloodSmart.gov to review a list of agents selling NFIP flood insurance in your area and to look up an estimate of the flood risk for your structure,” says Kinerney,

who additionally suggests visiting msc. fema.gov to review the Flood Insurance Rate Map for your area and Ready.gov to prepare your home and family against flood threats.

The annual premium charged for NFIP flood coverage is based on the flood risk for your property: the more at-risk your structure, the higher the premium. The average policy premium was approximately $700 in 2015, per the NFIP. “Premiums in minimal to moderate flood zones start as low as $171 per year through a preferred risk policy (PRP).

This would provide $20,000 in coverage on the building and $8,000 on the contents for residential buildings that house one to four families as a primary residence without a basement or enclosure,” says Cynthia DiVincenti, vice president of government programs for Aon National Flood Services in Kalispell, Mont. “In zone AE, a high-risk area, a flood policy providing maximum coverage of $250,000 on the building and $100,000 on its contents, for a primary residence, would currently be just under $1,200. This is based on a so-called ‘+1 elevation difference,’ which is the difference between the base flood elevation and the lowest floor elevation.”

Kinerney adds that everyone – even when not obligated – should consider purchasing flood insurance.

“It is incredibly important that homeowners and buyers understand the flood risk for their homes and businesses and what the cost of repairing and rebuilding after a flood would be,” he says.

© CTW Features

March 2017

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TAXES

BY ERIK J. MARTIN

Some of the most important tax write-offs available exclusively to those who own homes (including, in many cases, vacation or second homes) are: • Mortgage and home loan interest deductibility. You can deduct the interest on a mortgage of up to $1 million used to purchase a home, as well as the interest on a home equity loan of up to $100,000.

• Mortgage interest credit, available to lower-income buyers who received a qualified Mortgage Credit Certificate.

Unlike the mortgage interest deduction, this is a credit that reduces your tax liability dollar for dollar.

• Discount points, paid at closing for a home purchase or refinance, that enabled you to

borrow at below current market rates (each point equates to 1 percent of the size of your mortgage loan). Certain rules apply, but in general the cost may be deducted dollar for dollar in the year in which they were paid; with a refinance, however, points are usually amortized over the loan’s life.

• Real estate taxes paid to state and local taxing bodies, which can typically be deducted in the year in which they’re paid.

• Casualty losses, which can occur, for instance, if a major storm impaired your residence.

The write-off is based on the net loss after insurance has been paid and has to exceed 10 percent of your adjusted gross income.

• Home offices. If you work from your house, you can usu-

ally deduct expenses associated with running an eligible home office, such as utility costs to heat and cool the space, fees to remodel the room, and more.

Qualifying for these write-offs, however, can be difficult, although the IRS introduced a simplified option for home office deduction last year that makes this process easier.

Even if it’s too late to qualify for some of the aforementioned deductions on your 2016 tax return, you may be able to claim these and other tax breaks in the future, so count

on keeping good records and planning ahead, say the experts.

There are many strategies available to maximize these tax deductions, but it pays to enlist the help of a professional accountant or tax planner, says Mark Luscombe, principal analyst with Wolters Kluwer Tax & Accounting U.S. in Riverwoods, Ill. “Homeowners should familiarize themselves with the rules and consult with tax experts, as professional expertise is helpful in identifying possible tax breaks and avoiding costly mistakes,” Luscombe says.

For full details on what homeowners can and cannot deduct, visit tinyurl.com/pqmc34q. © CTW Features

CAPITAL CITY WEEKLY IS IN MORE SOUTHEAST ALASKA COMMUNITIES THAN ANY OTHER PAPER ANGOON Angoon Trading Angoon Health Center CRAIG A C Thompson House Annie Betty’s Bakery Cafe JS True Value NAPA Automotive Papa’s Pizza Shaub Ellison The Bread Box The Craig Public Library The Waffle House Tyler Rentals Whale Tale Pharmacy Zat’s Pizza DOUGLAS Breeze In Douglas Café Douglas Library ERA Helicopter Island Pub Mike Hatch Jeep SERRC (Cedar Park) Tanner Marine Service Center EDNA BAY Delivered to 27 Residents ELFIN COVE Delivered to 25 Residents GUSTAVUS Delivered to 240 Residents HAINES AK Sport Alaska Seaplanes Alaskan Liquor Alaska Marine Highway American Legion Big Foot Auto Canal Marine Captains Choice Chilkat Restaurant E & D / Radio Shack Eagles Nest Ferry Terminal Fogcutter Bar Haines Assisted Living Haines Quick Shop Haisler Hardware Halsingland Hotel

Harbor Bar Home Builders Howsers Moose Laundry Pioneer Bar Tesoro Gas The Hair Shop Visitors Center Wings of Alaska HOONAH Alaska Seaplanes Colette’s Cupboard Harbor Master Hoonah Cold Storage Hoonah Liquor Store Hoonah Medical Center Hoonah Senior Center Hoonah Trading Co. Huna Outfitters Icy Straight Lodge Misty Bar Lounge Office Bar Salvation Army Thrift Store Tideland Tackle HAWK INLET Delivered to 25 Residents HYDER Delivered to 145 Residents JUNEAU 1st Bank - 2 locations Action Appliance Airport Mall Alaska Cache Liquor Alaskan Hotel Alaska Job Service Alaska Marine Highway ANB Hall Arctic Chiropractic Asianna Gardens Aspen Hotel Auke Bay Harbor Master Bartlett Regional Hospital Bergman Hotel Best Western - 2 locations Bill Ray Center Blue Jeans Café Breakwater Hotel Breeze In - 3 locations

Bridge Adult Day Care Bullwinkle’s Pizza - 2 locations Cancer Center Care-A-Van CBJ Info Chamber of Commerce Chan’s Thai Kitchen Coldwell Banker Custom Cuts DeHart’s Denali Credit Union Don Abel Building Supplies Donna’s Restaurant Dragon Inn Driftwood Duck Creek Market El Zarape Emporium Mall Exit Realty Extended Stay Hotel Family Health & Birth Center Family Health Care Family Practice Physicians Fireweed Senior Center Foodland IGA Foreign Auto Fred Meyer Frontier Suites Gas-N-Go Gastineau Humane Society GCI - 2 locations Glacier Pediatrics GonZo Gruening Park Admin. Off. Harri Plumbing & Heating Heritage Coffee - 6 locations Home Liquor & Deli Honda Hut Hot Bite J&J Deli Jordan Creek Center Juneau Assembly Building Juneau Arts & Humanities Juneau Bowling Center Juneau Courier Service Juneau Foot & Ankle Juneau Hotel Juneau Airport - in 4 locations Juneau Library

Juneau Pizza Juneau Senior Center Juneau Urgent Care K-Plaza Canton House Kenny’s Liquor Lemon Creek Liquor Les Schaub Tires Little Hong Kong Marine View Bldg.

McDonalds McDowell Group Mendenhall Apartments Mendenhall Mall - in 3 locations Merchant’s Wharf Mi Casa Miner’s Mercantile Moose Lodge Nugget Mall Papa Murphy’s Petco Pioneer Home Powell Realty Prospector Hotel Rainbow Foods Rainy Day Books Rayco Sales Re/Max Rejuvinations Reliable Transfer Safeway - in 2 locations Sandbar Grill Sandpiper Restaurant SEARCH Clinic Senate Building SERRC Shattuck and Grummet Silverbow Bagel Southeast Foot and Ankle Southeast Furniture Southeast Mining Supply St. Vincent de Paul State Farm - 3 locations Super Bear Swampy Acres Temsco Tesoro The Canvas The Rookery Cafe

The Viking Tlingit Haida Bldg.

Tram Travelodge True North FCU - 3 locations Tyler Rental UAS Library UAS Mourant Building University Book Store Valley Lumber Valley Medical Valley Paint Valley Restaurant Washboard Laundry Western Auto Wildflower Court Wingnut Auto Salon Wings of Alaska World Wide Movers KAKE Delivered to 220 Residents KETCHIKAN 1st Bank - 3 locations Alaska Job Service Alaska Public Assistance Office Alaska & Proud Ketchikan Alaska Marine Highway Cape Fox Lodge Cape Fox Mall Community Connections Highliner Laundromat Ketchikan Indian Community Madison Lumber Newtown Liquor Pacific Airways Peacehealth Ketchikan Clinic Pioneer Home Plaza Mall Promech Air Red Anchor Café Safeway Food & Drug Taquan Air Tatsudas Grocery The Landing Tongass Federal Credit Union Tongass Substance Screening UAS - in 2 locations

KLAWOCK Black Bear Klawock Market Klawock Liquor Store Island Air METLAKATLA Annette Island School District Metlakatla Community Council PELICAN Delivered to 125 Residents PETERSBURG Alaska Airlines Alaska Marine Highway Coastal Cold Storage Glacier Laundry Hammer & Wikan Hammers Hardware Hammers Marine Joan-Mei Petersburg Motors Rexall Drug Rockys Marine Scandia House SE Island Fuel Tides Inn Trading Union USFS Office Wings of Alaska POINT BAKER Delivered to 40 Residents SITKA Agave Restaurant CFC City Building Ernie’s Old Time Saloon Gary’s Outboard Repair Hair Loft Harrigan Centennial Hall Lakeside Mall Lyles Market Center McDonald’s Murry’s Pacific NAPA Petro Marine Pioneer Bar Ready Mix Rentals SEARHC

Sea Mart Sitka Airport Sitka Pioneer Home SMC Contractors Spenard Builders Subway Super 8 The Back Door Cafe Tongass Threads Totem Square Westmark SKAGWAY AB Hall Alaska Liquor Alaska Marine Highway Dahl Memorial Clinic Fairway Market Ferry Terminal Garden City Glacier Smoothies Library Mile Zero National Parks Service Petro Marine Sergeant Preston’s Lodge Services Unlimited Skagway Pizza Station Skagway Rec Center Sweet Tooth Westmark Whitehouse Wings of Alaska You Say Tomato SNETTISHAM Delivered to 10 Residents TENAKEE Don Pegues THORNE BAY Thorne Bay Market WRANGELL Bob’s IGA City Market Raymes Stikine Inn Zak’s Café YAKUTAT Delivered to 400 Residents

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