Featured Homes DO YOU HAVE BACKUP POWER?

Brandpoint

Kilauea

2404 Kamalii St.

Open House

Saturday — 9 a.m. to noon

A 3 bed/1.5 bath home in Kilauea town featuring large decks, bamboo floors, upgraded bathrooms, an enclosed garage, a photovoltaic system, and a private backyard with fruit trees.

Furniture can be included in the sale. Lowest priced home on the north shore.

MLS # 667895; $959,000.

Call Julie Black, RB-14203 (808) 652-6174 or Kela Caspillo, RB-23365 (808) 652-6173 Kauai Dreams Realty, to see this property.

Average long-term mortgage rate falls a fourth straight week

ASSOCIATED PRESS

The average long-term U.S. mortgage rate declined for the fourth week in a row, a sign of relative stability that could potentially open the door for some prospective homebuyers to get back in the market.

Mortgage buyer Freddie Mac reported Thursday that the average on the benchmark 30-year rate fell to 6.09 percent from 6.13 percent last week. That’s the lowest level since September. The average rate a year ago was 3.55 percent.

The average long-term rate reached a two-decade high of 7.08 percent in late October and early November 2022 as the Federal Reserve continued to raise its key lending rate in a bid to cool the economy and tame inflation.

At its first meeting of 2023 Wednesday, the Federal Reserve raised its benchmark lending rate 0.25 percentage points, its eighth increase in less than a year. That pushed the central bank’s key rate to a range of 4.5 percent to 4.75 percent, its highest level in 15 years.

While acknowledging that some measures of inflation have eased, Fed Chair Jerome Powell appeared to suggest Wednesday that he foresees two additional quarter-point rate hikes this year.

Though those rate hikes do impact borrowing rates across the board for businesses and families, rates on 30-year mortgages usually track the moves in the 10-year Treasury yield, which lenders use as a guide to pricing loans. Investors’ expectations for future inflation, global demand for U.S. Treasurys and what the Federal Reserve does with interest rates can also influence the cost of borrowing for a home.

As winter weather ravages across the country, homeowners are reminded that having a backup plan for power outages is important all year long. Reliable power is critical, especially for the elderly, families with children and people working from home.

Now, more than ever, an automatic home generator is the best defense against power outages — particularly extended outages — no matter where you call home. Whether it’s a hurricane, ice storm, blizzard, blackout or another weather threat, you can give your family peace of mind and security knowing you’ll have a dependable power source on-hand.

How does an automatic home generator work?

A standby home generator is permanently installed outside a home, similar to a central air conditioning unit. It runs on selffeeding fuels such as natural gas or liquid propane. The unit turns on automatically when power is lost to the home or business.

The standby home generator can be a literal lifesaver, because it can power critical and sophisticated appliances and systems in a home, including HVAC, refrigerators, lights, computers, medical devices and more. It also provides home essentials that facilitate safety and comfort. This is especially important during winter storms when people are less likely to leave home. Having access to heat, electricity and appliances like a stove is essential.

Automatic power no matter where you are

You do not need to be present to operate your home’s standby generator, which is great if you have to evacuate or simply are gone when the power fails. An automatic transfer switch continuously monitors power from the utility and transfers the electrical load to the generator when power is lost.

For example, a KOHLER home generator is completely automatic. The unit’s commercial-grade engine fires up quickly within 10 seconds of power loss and can handle heavy demands while operating quietly.

Furthermore, the generator provides “clean power” so you don’t have to worry about spikes and voltage drops that may impact sensitive electronics like computers and phones. The durable unit also features a rustresistant enclosure, which is important for homes near salt water or in freezing temperatures. When researching generators, keep in mind they come in a variety of sizes based on your power needs in your home. Consult with a professional dealer for appropriate sizing, permitting, installation and other considerations. Learn more at KohlerGenerators.com.

Kohler now offers a 26-kilowatt air-cooled generator for larger homes and electrical loads. No other generator in its class is quieter, more powerful and more durable.

To help match a homeowner’s desired aesthetic, the generator is available in 10 exclusive colors, including three Mossy Oak® camouflage patterns.

We

Certified Inspector

SALES Account ExEcutivE

We are looking for the right candidate to call on new and current customers and market our numerous advertising solutions to grow our customer’s business. This person will prospect new business and grow the current account base. Comfort with cold-calling is a must. He/she will be able to represent numerous newspapers, magazines, website and digital products, be able to match those products to the customer’s needs and make sales presentations to key decision makers. A high school diploma is required. A Bachelor’s degree in marketing or business is preferred. An aptitude for understanding statistical information and basic computer skills are necessary. He/she also must possess excellent verbal and written communication skills and be able to successfully multi-task. If you want a career with a fast paced, top media company with excellent pay and benefits, we want to hear from you.

Our full-time employees enjoy a generous benefit package that includes: Medical, Dental, Company-Matched 401K as well as sick leave and paid vacation.

TheHawaiiDepartmentofTransportationisprovidinganopportunityforthe publictosubmitcommentsontheproposedSTIPRevision#11,anamendment, totheFederalFiscalYears(FFY)2022to2025(+2)StatewideTransportation ImprovementProgram(STIP).TheSTIPdocumentidentifiesprojectsthataretobe programmed for federal Highway or Transit funding.

ThepurposeofthisrevisionistoaddressmajorchangestoFHWAandFTA fundedprojectsduetochangesinpurposeandneed,shiftsinprojectschedules, priorities,andsignificantcostestimateincreasesordecreasesthatoccurred throughtheprojectdevelopmentprocess.Someprojectswillbeaddedto,and othersdeferredoutoftheSTIPduetothesechanges.Otherschedulingchangesor fundingrestructuringwerealsonecessarytofiscallybalancetheaforementioned changes.

ProposedSTIPRevision#11andnewprojectinformationcanbefoundon ourHDOTSTIPwebsiteat: http://hidot.hawaii.gov/highways/other/other-relatedlinks/stip/.

AmendmentstotheOahuportionoftheSTIPareconcurrentlybeingprocessed inparallelasTransportationImprovementProgram(TIP)revisionsbytheOahu MetropolitanPlanningOrganization(MPO).STIPRevision#11correlateswithOahu TIPRevisions#10and#11.PleaseseemoreinformationontheTIPprocessand TIPRevisionsattheOahuMPOwebsiteat: http://www.oahumpo.org/plans-andprograms/transportation-improvement-program-tip/ AmendmentstotheMauiislandportionoftheSTIPareconcurrentlybeing processedinparallelasTransportationImprovementProgram(TIP)revisionsbythe MauiMetropolitanPlanningOrganization(MPO).STIPRevision#11correlateswith MauiTIPRevision#8.PleaseseemoreinformationontheTIPprocessandTIP RevisionsattheMauiMPOwebsiteat: https://www.mauimpo.org/transportationimprovement-program-tip ElectronicPortableDocumentFormat(PDF)copiesoftheproposedSTIP Revision#11maybeobtainedbyusingthecontactinformationbeloworby downloadingitfromtheSTIPwebsitenotedabove.CommentsonSTIPRevision#11 of the waitlist, HPHA will randomly select 750 applicants to be placed on the waiting list. The order of all applicants selected to be on the waiting list will be by random selection.

Applications will be active for 18 months from the date of placement on the waiting list and will then expire.

The HPHA will open the waiting list and accept online applications from eligible applicants who meet the following bedroom sizes: Honolulu, Oahu (Ka’ahumanu Homes, Kalakaua Homes, Kalihi Valley Homes, Kamehameha Homes, Kuhio Homes, Mayor Wright Homes, Palolo Valley Homes, Punchbowl Homes, Pu’uwai Momi, Salt Lake Apartments, Spencer House, Kalanihuia, Makamae, Makua Ali’i, Paoakalani, and Pumehana).

1-bedroom, 2-bedroom, 3-bedroom and 4-bedroom units 62 years old and older or a person with a disability: Studios (1 person)

Leeward, Oahu (Hale Laulima, Kau’iokalani, Maili I & II, Nanakuli Homes, Waimaha-Sunflower, and Waipahu I & II)

1-bedroom, 2-bedroom and 3-bedroom units Windward, Oahu (Ko’olau Village, Ho’okipa Kahalu’u, Kaneohe Apartments, Kauhale O’hana, Waimanalo Homes)

2-bedroom units

How do I submit an application? Applications can only be submitted online. Devices such as mobile phones and tablets with Internet access may be used; however, not all operating systems support this application. No applications will be accepted at the HPHA’s office.

1. Be prepared by having the names, dates of birth, and social security numbers available for all persons who will be listed on your application. You will need to know the monthly gross income (before taxes) for each source of income for all persons listed on your application. You must list all the sources of income individually.

2. Complete the application online at www.hpha.hawaii.gov or www.hphaishereforyou.org by clicking on “Apply Online Here”.

3. Applications submitted before or after the waiting list opening period will be automatically rejected and not accepted by the HPHA. Applications not fully completed (i.e., in the middle of submission) prior to the closing will be rejected.

4. Print your receipt, take a picture of, or write down your Application Confirmation Number. A confirmation receipt is issued immediately after the application is submitted. Print and save this confirmation.

Applicants can only apply for one waiting list. No duplicate applications will be accepted. Any duplicate applications with same or similar household members will have both applications denied. Prior to adding any households to the waiting list, the HPHA will conduct extensive crosschecks to remove duplicate applications. Submitting a duplicate application will not improve your chances of being selected and can significantly delay housing for other applicants.

Does submitting an application mean I’m on the waiting list? Following the closing of the waiting list, HPHA will assign a position number and the applicant will be placed on the applicable area waiting list unless rejected due to reasons listed above.

There is no fee or charge to apply for housing. Applicants are encouraged to immediately report any individual or organization who attempts to charge a fee for completion of the HPHA’s application process. Applicants should not respond to any fraudulent requests for an application fee.

Organizations that may be able to assist with the application process are Parents and Children Together (PACT), We are Oceania, Helping Hands Hawaii, Honolulu Community Action Program (HCAP), and Aloha United Way.

Visit the HPHA’s website at www.hpha.hawaii.gov for more information about our programs. Complete the application online at www.hpha.hawaii. gov or www.hphaishereforyou.org by clicking on “Apply Online Here

Applicants who require a reasonable accommodation must contact the HPHA before the waiting list opens to ensure that assistance is provided timely. Please call (808) 832-6090 for assistance with a reasonable accommodation or email hpha@hawaii.gov

Please do not call the HPHA offices prior to receiving this notice as no information will be given over the phone regarding application placement. Interpreters will be available via zoom. Go to www.hpha.hawaii.gov

Visit our website at www.hpha.hawaii.gov for more information about our programs. For general questions regarding the waiting list, please call (808) 832-5961.

The HPHA will be opening the Federal Public Housing waiting list to applicants with a preference. More information can be found at www.hpha. hawaii.gov.

Chuukese: An Hawaii iwe Nenien Imw ngeni Aramas Meinisin (Hawaii Public Housing Authority - HPHA) epwene suuki an ewe Nenien Imw ngeni Fonu Meinisin (Federal Public Housing) taropwen awitiwit ngeni ekkewe chon ammasow iir mei affataeochu pworouser me ian sipwe tour ngenir me ian. Ren pwan ekkoch sopwusopwun pworous ka tongeni kuna me won ei neni www.hpha.hawaii.gov

German: Die öffentliche Wohnungsbaubehörde von Hawaii (Hawaii Public Housing Authority HPHA) wird die Warteliste für den öffentlichen Wohnungsbau (Federal Public Housing) für Bewerber mit einer Präferenz öffnen. Weitere Informationen finden Sie unter www.hpha.hawaii.gov

Ilokano: Luktanton ti Autoridad iti Pagnaedan a Para iti Publiko iti Hawaii (Hawaii Public Housing Authority HPHA) ti listaan dagiti aplikante nga agkasapulan iti balay para iti Pederal a Pagnaedan a Para iti Publiko (Federal Public Housing). Ammuen ti nayon nga impormasion iti www.hpha. hawaii.gov

Japanese: ハワイ公営住宅局（Hawaii Public Housing Authority HPHA）は、連邦公営住宅 (Federal Public Housing) に優先的に申請できる申請 者に対し待機リストへの受付を開始します。詳しくは、www.hpha.hawaii.gov をご覧ください。

Korean: 하와이주�공공주택국 (Hawaii Public Housing Authority: HPHA) 에서는�원하는�신청자들에게�연방�공공주택 (Federal Public Housing) 대기자�명단을�공개하려고�합니다. 자세한�내용은 www.hpha.hawaii.gov 에서�참고하시기�바랍니다.

Lao: (Hawaii Public Housing Authority HPHA) (Federal Public Housing) www.hpha.hawaii.gov

Marshallese: Opij eo an Hawaii ej Bo¯k Eddoin Imo¯n Jokwe ko an Kien (Hawaii Public Housing Authority, HPHA) enaj ko¯bellok laajrakin etan armij ro ñan Imo¯n Jokwe ko an Kien eo an Federal (Federal Public Housing) ñan armij ro rej kateruru im ewo¯r aer kelet ñan imo¯n jokwe. Kwo¯maron loe melele ko relablok ilo www.hpha.hawaii.gov

Russian: (Hawaii Public Housing Authority HPHA) (Federal Public Housing) www.hpha.hawaii.gov

Simplified Chinese: 夏威夷公共住房管理局 HPHA (Hawaii Public Housing Authority HPHA) 将向有优先权的申请人开放联邦公共住房 (Federal Public Housing) 候补名单。欲了解更多信息，可访问 www.hpha.hawaii.gov

Spanish: La Autoridad de Vivienda Pública de Hawái HPHA (Hawaii Public Housing Authority HPHA) abrirá la lista de espera para Vivienda Pública Federal (Federal Public Housing) para los solicitantes preferenciales. Puede encontrar más información en la página www.hpha.hawaii.gov

Tagalog: Bubuksan na ng Awtoridad sa Pabahay Para sa Publiko sa Hawaii (Hawaii Public Housing Authority HPHA) ang listahan ng mga aplikante na nangangailangan ng bahay para sa Pederal na Pabahay Para sa Publiko (Federal Public Housing). Alamin ang karagdagang impormasyon sa www.hpha.hawaii.gov

Thai: (Hawaii Public Housing Authority - HPHA) (Federal Public Housing) www.hpha.hawaii.gov

Tongan: ‘E faka‘ata¯ atu ‘e he Ma‘uma¯fai Falenofo‘anga Fakapule‘anga ‘o Hauai‘i´ (Hawaii Public Housing Authority HPHA) e¯ ngaahi lisi talifaki ‘o e Ngaahi ‘Apinofo‘anga Fetu¯lolo (Federal Public Housing) ki ha ni‘ihi ke tohi kole mai ki ai mo ‘enau fiema‘u´. Ki ha¯ toe fakamatala fakaikiiki ‘e ma‘u atu ia he www.hpha.hawaii.gov

Traditional Chinese: 夏威夷公共住房管理局 HPHA (Hawaii Public Housing Authority HPHA) 將向具優先權的申請者開放聯邦公共住房 (Federal Public Housing) 候補名單。請瀏覽 www.hpha.hawaii.gov

Ukrainian: (Hawaii Public Housing Authority HPHA) (Federal Public Housing) www.hpha.hawaii.gov

Visayan: Ang Awtoridad sa Publikong Pabalay Sa Hawaii APBH (Hawaii Public Housing Authority HPHA) magabukas sa nagpaabot nga listahan sa Publikong Pabalay nga Pederal (Federal Public Housing) ngadto sa mga aplikante uban ang pagpalabi sa nanginahanglan. Ang dugang kasayoran makit-an