B4 • Friday, July 29, 2022
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THE GARDEN ISLAND
FED’S RATE HIKES AND YOUR FINANCES Will it be easier to find a house? Sales of existing homes have dropped for five straight months, while new home sales plunged in June. If you’re financially able to go ahead with a home purchase, you’re likely to have more choices than you did a few months ago. In many cities, the options are few. But the number of available houses nationwide has started to rise after falling to rock-bottom levels at the end of last year. There are now 1.26 million homes for sale, according to the National Association of Realtors, up 2.4% from a year ago.
Christopher Rugaber ASSOCIATED PRESS
WASHINGTON — Higher mortgage rates have sent home sales tumbling. Credit card rates have grown more burdensome, and so have auto loans. Savers are finally receiving yields that are actually visible, while crypto assets are reeling. The Federal Reserve’s move Wednesday to further tighten credit raised its benchmark interest rate by a sizable 0.75 percentage point for a second straight time. The Fed’s latest hike, its fourth since March, will further magnify borrowing costs for homes, cars and credit cards, though many borrowers may not feel the impact immediately. The central bank is aggressively raising borrowing costs to try to slow spending, cool the economy and defeat the worst outbreak of inflation in two generations. The Fed’s actions have ended, for now, an era of ultra-low rates that arose from the 2008-2009 Great Recession to help rescue the economy — and then re-emerged during the brutal pandemic recession, when the Fed slashed its benchmark rate back to near zero. Chair Jerome Powell hopes that by making borrowing more expensive, the Fed will succeed in slowing demand for homes, cars and other goods and services. Reduced spending could then help bring inflation,
GENE J. PUSKAR / ASSOCIATED PRESS FILE
This is a home for sale in Mount Lebanon, Pa., on Tuesday, Sept. 21, 2021. most recently measured at a four-decade high of 9.1%, back to the Fed’s 2% target. Yet the risks are high. A series of higher rates could tip the U.S. economy into recession. How will it all affect your finances? Here are some of the most common questions being asked about the impact of the rate hike: What’s happening with mortgage rates? Higher interest rates have torpedoed the housing mar-
Average US long-term mortgage rates retreat to 5.3% ASSOCIATED PRESS WASHINGTON — Average longterm U.S. mortgage rates retreated this week just as the Federal Reserve announced another big rate hike in its bid to get four-decade high inflation under control. Mortgage buyer Freddie Mac reported Thursday that the 30-year rate fell back to 5.3% from 5.54% last week. One year ago the average 30-year rate was 2.8%. The average rate on 15-year, fixed-rate mortgages, popular among those refinancing their homes also retreated, to 4.58% from 4.75% last week. A year ago at this time the rate was 2.1%. The Fed on Wednesday ratcheted up its main borrowing rate by three-quarters of a point, the second such increase in less than two months. The central bank also raised its benchmark rate by a half-point in May. Rapidly hiking rates risks tossing the U.S. economy into a recession, but it’s the Fed’s most powerful tool to get price increases back to its 2% annual target. Also Thursday, the Commerce Department reported that the U.S. economy shrank from April through June for a second straight quarter, contracting at a 0.9% annual pace and raising fears that the nation may be approaching a recession. The decline that the Commerce Department reported Thursday in the gross domestic product — the broadest gauge of the economy — followed a 1.6% annual drop from January through March. Consecutive quarters of falling GDP constitute one informal, though not definitive, indicator of a recession.
ket. Rates on home loans have nearly doubled from a year ago to 5.5%, though they’ve leveled off in recent weeks even as the Fed has signaled that more credit tightening is likely. That’s because mortgage rates don’t necessarily move in tandem with the Fed’s increases. Sometimes, they even move in the opposite direction. Long-term mortgages tend to track the yield on the 10-year Treasury note, which, in turn, is influenced
by a variety of factors. These factors include investors’ expectations for future inflation and global demand for U.S. Treasurys. Investors expect a recession to hit the U.S. economy later this year or early next year. This would force the Fed to eventually cut its benchmark rate in response. The expectation that the Fed will have to reverse some of its hikes next year has helped reduce the 10-year yield, from 3.5% in mid-June to roughly 2.8%.
ers are already acutely feeling the impacts of higher prices for energy, food and rent,” Smoke said. Used vehicle prices have begun to fall, he noted, and vehicle availability is beginning to return to normal levels. The full amount of a Fed rate hike doesn’t always pass through to auto loans, according to Bankrate.com. New 60-month loans for new vehicles have risen about a percentage point this year to an average of 4.86%, Bankrate.com says, while a 48-month used-vehicle rate rose just under 1 point to 5.38%. What will happen to my credit card?
I need a new car. Should For users of credit cards, i buy one now? home equity lines of credit The Fed’s rate hikes typi- and other variable-interest cally make auto loans more debt, rates would rise by expensive. But other factors roughly the same amount as the Fed hike, usually within also affect these rates, including competition among one or two billing cycles. That’s because those rates car makers, which can sometimes lower borrowing are based in part on banks’ prime rate, which moves in costs. tandem with the Fed. Wednesday’s rate hike Those who don’t qualify won’t likely affect new-vehifor low-rate credit cards cle sales much because might be stuck paying those buyers are mainly affluent customers who won’t higher interest on their balbe squeezed by a relatively ances. The rates on their small uptick in monthly pay- cards would rise as the prime rate does. ments, said Jonathan The Fed’s rate increases Smoke, chief economist for have already sent credit Cox Automotive. By contrast, he said, used- card borrowing rates above 20% for the first time in at car buyers with weaker least four years, according credit who pay higher loan to LendingTree, which has rates could be hurt. tracked the data since 2018. “Many used-vehicle buy-
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THE GARDEN ISLAND
Friday, July 29, 2022 Page 5
246-0325
KAUAI’S
real estate directory P L A C E Y O U R A D today 2 4 6 - 0 3 2 5
KAUAI REALTY
t he g arden i slan d .com /clas s i f ieds
HALEMALU AT PUHI HALEMALU AT PUHI $699,500 2Bed/2Ba Living Area: 924 sq. ft. MLS 664012 June Araki, RS-25303 junearaki@gmail.com 808-482-1855
Diane A. Pavao RS-58020 808-651-3557
PONO KAI $549,000 1BR/1BA Interior: 644 sq. ft. MLS 661177
Larry Fudge RB-18519 808-635-1111
We specialize in Residential Sales and Investment / Resort Condominium Properties. AND, we love working with Local Buyers looking for their new home!!!
This 2/bed 2/ba unit is located on the fringe of the project on a dead-end street. It comes with a small yard and a dining platform to enjoy meals with family and friends. There are two gardening boxes for flowers, vegetables, or fresh herbs. It is conveniently located near shopping, restaurants, Costco, Home Depot, schools, community college and the Lihue Business District. The airport, hospital and beaches are just a short drive away.
808-822-3100 | www.kauailandmark.com
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4490 Puhi Road, Lihue Mon-Fri 7:30am to 4pm Sat 8am to 12 Noon
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Land Area: 19,384 sq. ft. Living Area: 1,192 sq. ft. Bedrooms/Baths: 3/2 Price: $959,000 MLS 663084 Listor/Owner
AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR
808-651-4766
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kauairealty@gmail.com
245-0433
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Melinda B. Yomen RS-56237, CRS
Cell: 808-482-0452 • melinda.yomen@gmail.com
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$800,000 3BED/2BA Interior Area: 1,531 sq. ft. Lot Size: 8,059 sq. ft. MLS 655642
c e b e d i s The dark crowd Costumed hat awaitsMelinda B. Yomen, RS-56237 w es at anticip rs te characte melinda.yomen@gmail.com their favori ght of (808) 482-0452 ni g in in open ie Wars mov latest Star
bigail Comfortable one story, ranch style home use forwith the ica Else tim of ab Jess s. year manyof RDEN ISLAND master bedroom on the other side the house for l THE GAprivacy. nderfu e wo e notes of Th e “I have fiv the same guy,” The first home th New roof in July 2020, Newchbathroom cabinet. Exterior painted. Nice cabinets with quartz across recently LIHUE — of the ildren with ve recently left ch echoed i Grove ar M ha l “I ria . lKuku in the big, back yard. Ten minutes to Poipu Impecouldfro unse she saidor carport, countertops. There is no garage built nt of in be seeking co but one Thursday on speakers . m him and am . I don’t have p. 0 owd ofis a great location and neighborhood. a at 3:3 beaches and Koloa town. This property is sold in “As condition. This d help m the cr CinemIs” ing an r rose fro pt my exiside.
www.kauai-realty.com
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2403 Ulu Maika Street • Lihue, Kauai, Hawaii 96766
and a chee ople waiting outs dI pe 1 p.m. an about 20 here since Al“I’ve been r this,” said Jobe fo l rk ra got off wo agged the inaugu the r sn the line fo tar len, who e front of “S place at th nced screening of va 7 p.m. ad .” di Je e saga e Last th Th ng s: hi ar W ’s been watc Allen has child and said he was a ere 40 wh e since he se rd to
Page 6 Friday, July 29, 2022
THE GARDEN ISLAND
Kapaa
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Legals / Public Notices ANNOUNCE Public MENTS Public Hearings Hearings
P L A C E YO U R A D T O D AY 8 0 8 - 2 4 5 - 0 4 5 0
Public Notice Public Notice
SELL YOUR STUFF Pets
PUBLIC NOTICE - In accordance with Sec.106 of the Programmatic Agreement, T-Mobile West, LLC plans to upgrade an existing telecommunications facility at 4-484 Kuhio Highway, Kappa, Kauai, Hawaii. Please direct comments to Gavin L. at 818-898-4866 regarding site HI03337A. CNS-3608865# (TGI1380434 7/28, 7/29/22)
FOR AS LITTLE AS
9.99 Kapaa-$750,000 3Bed/2BA Interior: 1,296 sq. ft. Lot Size: 12,820 Glen Kojima RS-80593 808-651-5850 Jesse Fukushima RS-71180 808-482-4077 MLS 660495
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Public Hearings
COUNTY OF KAUAI PLANNING COMMISSION – 4444 Rice Street, Suite A473, Lihue, Kauai, Hawaii, 96766, tel: (808) 241-4050, email: planningdepartment@kauai.gov . NOTICE IS HEREBY GIVEN of an agency hearing with a public hearing and an opportunity for public testimony from all interested persons to be held by the Kaua‘i Planning Commission pursuant to the provisions of Kauai County Code, Chapter 8, as amended, Hawaii Revised Statutes (HRS) Chapter 92 and 91, and the Rules of Practice and Procedure of the County of Kauai Planning Commission. The hearing will be held regarding the following: ZA-2023-1: A bill for an ordinance amending Chapters 8, 12, and 13, Kaua’i County Code 1987, as amended, relating to Comprehensive Zoning Ordinance (CZO), Building Code, and Electrical Code respectively. The purpose of the ordinance is to establish parking requirements involving electric vehicle charging infrastructure in the CZO, Building and Electrical Codes.
Public Notice
808-245-0450
MERCHAN DISE Public Notice Public Notice
L E G A L S @ T H E G A R D E N I S L A N D. C O M
NOTICE OF PUBLICATION AND NOTICE OF PUBLIC HEARING Notice is hereby given that the Council of the County of Kaua‘i will hold a public hearing on Wednesday, August 17, 2022, at 8:30 a.m., or soon thereafter, at the Council Chambers, 4396 Rice Street, Room 201, Historic County Building, Lihu‘e, on the following: Bill No. 2876 A BILL FOR AN ORDINANCE AMENDING ORDINANCE NO. B-2022-886 AS AMENDED, RELATING TO THE OPERATING BUDGET OF THE COUNTY OF KAUA‘I, STATE OF HAWAI‘I, FOR THE FISCAL YEAR JULY 1, 2022 THROUGH JUNE 30, 2023, BY REVISING THE AMOUNTS ESTIMATED IN THE GENERAL FUND (Department of Public Works Project Manager Transfer - $118,177.00)
Meeting Location :
Lihu‘e Civic Center, Moikeha Building, Meeting Room 2A-2B, This Bill proposes to amend Ordinance No. B-2022-886, as amended, 4444 Rice Street, Lihu‘e, Kaua‘i, Hawai‘i relating to the Operating Budget of the County of Kaua‘i, State of Hawai‘i, for the Yearclosed July 1, 2022 throughThe JuneGarden 30, 2023, revising the amounts advertisers, Islandbydoes reserve the rightestimated to edit, noon on Friday for Sunday and Monday. Fiscal (We are AMENDED SUMMONS Interactive in The Garden The public maycan attendSaturdays the meeting Zoom using the “Zoom in the General Fundrefuse, by transferring Department Parks & Regular, single-column classifieds Island andvia Sundays). reject, or $118,177.00 cancel any ad from at anythe time. All ads areofsubject Conference link” that will be provided on the agenda for the meeting. The Recreation, Planning & Development to the Department of Public Works, Business Hours Call Center be placed until 4:45pmTechnology on Monday, Tuesday, Wednesday, to approval prior to publication. We are not liable for losses STATE OF HAWAII : Agenda for the meeting will be posted in accordance with HRS 92. Administration for the transfer of Position No. 1202, Parks Project Manager to Monday–Friday; 7:30 a.m.–5:30 p.m. and Thursday for the following day, noon on Friday for Sunday The Garden Island Real Estate Deadlines: To or expenses resulting from publication or omission of place,Manager, correct inclusive Project of salary and fringe benefits. Theerrors amendment will unify To: Defendant JUSTICE RICHARDSON, also known as Webcast Meeting https://www.kauai.gov/Webcast-Meetings : or 246-0325 for or cancel a Friday real estate/rental single-column and Monday. Please call your sales executive ad, please ad at any time. All ads are subject to approval prior to the County’s Projectan Managers under a single department. Justice K. K. K. Richardson deadlines for larger, multi-column ads. call by noon on Thursday. publication. We are not liable for losses or expenses resulting Date: August 23, 2022 All interested from persons who wish to present their comments may do so at publication errors or omissions of an ad. Advertising ratethe YOU ARE HEREBY NOTIFIED that the Plaintiff public hearing. Written testimony prior to the hearing would be appreciated. Written GATHER FEDERAL CREDIT UNION, formerly known as Time Cancellation/Correction Deadlines: To cancel or or change cards are available from of anythe sales executive. are subject Check your ad for errors the first day it runs in the paper. : 9:00 a.m. shortly thereafter testimony can be submitted to the Office County Clerk, Ads Council Services Kauai Community Federal Credit a federally an Union, ad in the Garden Island, call us by 4:45pm on Monday, We are unable to issue credit for errors reported the facsimile, to the rate cardE-mail in effect at the time they are placed. Copies of Division after by mail, or via to counciltestimony@kauai.gov. chartered credit union, filed a Complaint Pursuant for to Hawai‘i Revisedday, Statutes Sectionof92-3.7, which While codifiedweActtry220, this Bill are available Tuesday, (Assumpsit Wednesday,- and Thursday the following publication. to accommodate our at the Office of the County Clerk, Council Services Division. LIHUE - $520,000 Money Owed); Declaration; Exhibits 1, 2 & 3; and SLH 2021, the meetings of the Countyfirstof day Kaua‘i Planning Commission will be 2Bed / 1Ba (The Council Committee or Council may amend this Bill at their subsequent Interior size: 704 sq. ft. Summons against you in Civil No. 5DRC-21-742, in conducted as follows: the District Court of the Fifth Circuit, State of Hawaii, Ground Floor/Yard • The meeting location that will be open to the public with audiovisual meetings. Meeting notices are posted at least six (6) days in advance at the praying for judgment for sums due and owing for MLS661110 connection is: County Clerk’s Office and the public may also testify at any of these meetings.) Clifton Kukino nonpayment of an auto loan, interest, late fees, costs o Lihu‘e Civic Center, Moikeha Building RB-15364 Recycled Appliances and attorneys’ fees and for other proper relief. CERTIFICATE OF THE COUNTY CLERK o Meeting Room 2A-2B Shelly Kaui Carvalho Washers,Dryers, YOU ARE HEREBY SUMMONED to appear in the (RS)-64829 o 4444 Rice Street, Lihu‘e, Kaua‘i, Hawai‘i I hereby certify that the foregoing Bill No. 2876 was passed on first reading and Stoves & Courtroom of the Presiding Judge of the above-entitled 808-652- 3886 • In addition to attendance in-person, the public may also attend the meeting ordered to print by the Council of the County of Kaua‘i at its meeting held on Refrigerators $250+ Court, Kauai, Hawaii, on Monday, the 12th day of through Zoom using link provided on the agenda. July 20, 2022, by the following vote: September, 2022, at 8:00 a.m. of said day or to file 6 months warranty. o If the Zoom connection or audio/visual connection is lost at the public an answer or other pleading and serve it before said Tashi 808-652-0551 location identified in the Commission’s public notice and cannot be AYES: Carvalho, Chock, Cowden, DeCosta, Evslin, Kuali‘i, day upon SHERMAN SHIRAISHI, Plaintiff’s attorney, restored within 30 minutes during the meetings, the Planning Kaneshiro TOTAL – 7, whose address is 2403 Ulu Maika Street, Lihue, Commission will postpone all matters and reconvene at the next NOES: None TOTAL – 0, Hawaii, 96766. If you fail to do so, judgment by scheduled Planning Commission Meeting. EXCUSED & NOT VOTING: None TOTAL – 0, default will be taken against you for the relief • Also, the meeting will be live streamed and available as an archived meeting RECUSED & NOT VOTING: None TOTAL – 0. demanded in the Complaint. after completion at www.kauai.gov/Webcast-Meetings. Please note that the SOLD Rummage Sale DATED: Lihue, Hawaii, June 30, 2022. livestream broadcast does not allow interaction between the viewer and Lihu‘e, Hawai‘i /s/ Jade K. Fountain-Tanigawa Sat, July 30th Planning Commission. Also, video production services or enhancements of the July 21, 2022 County Clerk, County of Kaua‘i 8am-12pm /s/ Debra Manini recorded video will not be available. NOTE: IF YOU NEED AN AUXILIARY AID/SERVICE, OTHER ACCOMMODATION DUE TO Lihue United Church CLERK OF THE ABOVE-ENTITLED COURT 4340 Old Nawiliwili Rd • Written testimony indicating your 1) name or pseudonym, and if applicable, A DISABILITY, OR AN INTERPRETER FOR NON-ENGLISH SPEAKING PERSONS, Behind King Auto (TGI1378388 7/15, 7/23, 7/29, 8/5/22) your position/title and organization you are representing, and 2) the agenda PLEASE CONTACT THE OFFICE OF THE COUNTY CLERK, COUNCIL SERVICES *Face Mask Optional* item that you are providing comment on, may be submitted on any agenda DIVISION AT (808) 241-4188 OR COKCOUNCIL@KAUAI.GOV AS SOON AS item in writing to planningdepartment@kauai.gov or mailed to the County of POSSIBLE. REQUESTS MADE AS EARLY AS POSSIBLE WILL ALLOW ADEQUATE TIME Kaua‘i Planning Department, 4444 Rice Street, Suite 473, Lihu‘e, Hawai‘i TO FULFILL YOUR REQUEST. 96766. Written testimony received by the Planning Department at least 24 hours prior to the meeting will be distributed to all Planning Commissioners UPON REQUEST, THIS NOTICE IS AVAILABLE IN ALTERNATE FORMATS SUCH AS prior to the meeting. Any testimony received after this time and up to the start LARGE PRINT, BRAILLE, OR ELECTRONIC COPY. Lihue-$1,050,000 5 FAMILY GARAGE of the meeting will be summarized by the Clerk of the Commission during the (TGI1380298 7/29/22) 3 Bed/2.5 Ba SALE LIHUE meeting and added to the record thereafter. Interior Area: 1,893 sq ft Sat. JULY 30th Ashley M. Carvalho Oral testimony will be taken on specific agenda items, in-person at the • 8:00 am - 1:00pm RS-73535 public meeting location or via Zoom link as an additional 2847 Hoolako St 808-639-9307 accommodation. Mark K. Tanaka Look for signs! o All testifier audio and video will be disabled until it is your turn to testify. 808-639-0367 RB-9222 o Per the Planning Commission’s and Chairs practice, there is threeMLS 661107 minute time limit per testifier, per agenda item. o If there are temporary technical glitches during your turn to testify, we may have to move on to the next person due to time constraints; we appreciate your understanding. • IF YOU NEED AN AUXILIARY AID/SERVICE, OTHER ACCOMMODATION The Garden Island is seeking a PART TIME DUE TO A DISABILITY, OR AN INTERPRETER FOR NON-ENGLISH SPEAKING PERSONS, PLEASE CONTACT THE OFFICE OF BOARDS & COMMISSIONS AT (808) 241-4917 OR ASEGRETI@KAUAI.GOV AS SOON AS POSSIBLE. REQUESTS MADE AS EARLY AS POSSIBLE WILL OMAO We are seeking a quality individual to join our ALLOW ADEQUATE TIME TO FULFILL YOUR REQUEST. UPON REQUEST, successful team on Kauai to support the distribution THIS NOTICE IS AVAILABLE IN ALTERNATE FORMATS SUCH AS LARGE PRINT, BRAILLE, OR ELECTRONIC COPY. of our portfolio of publications including The Garden (TGI1381039 7/29/22)
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Lots and Acreage Vacant land on Kauai in Princeville for sale to owner occupants. Lots 2, 3, and 4 of CPR # 6614 3875 Kamehameha rd, 96722 $750,000 to $1,100,000 Gary Sparks Real Estate Broker license RB-18415 Broker is part owner of these lots. 808-635-0669 sparksgary@hotmail.com
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THE GARDEN
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INSIDE
seed companies Westside in the toA.G., Kauai’s with reduction to of Syngenta iden- — starting of firms from four Kauai operations ate closely tal number of an impending and t had been a Swiss conglomer three. Rumors GMO agriculture at DowDuPon Brothers strains. tified with shake-up over pesticide , Hartung the Dow Meanwhile seed developer that widely criticized its GMO and rife for weeks. merger of Hybrids acquired de on Kauai year by the and E.I. DuPont Inc., a leading organic and con- it use. It will continue In 2016, Beck’s of BASF Corp., activities Co. operations in the process produces GMO, for farmers, said Chemical and techother research into production the Kauai and Co., is al chemical operations ventional seeds nature of its Allan Parachini ISLAND Nemours internation as it diversifies corporate , one of the GARDEN ent an become a farming. A8 dividing its changing SPECIAL TO THE t announcem divi- of three new companies on ag- was operations and will food SEE CHANGE, of into of developThe DowDuPon Kauai — The agriculture focus exclusively scale grower l markets in a series KEKAHA t has announced which will and DuPont changing production was the third Both Dow operaare rapidly operations products for commercia beyond. sion of DowDuPon riculture. in its Kauai ments that expand its previously had separate focused on statewide, and possibly major changes the previous which it will here, inboth of which tions under Hartung acquired on Kauai, nt of improved genetiactivities as research soy by and Hawaii island developme seed corn staffing on creasing percent. cally modified 50 this much as created earlier The firm,
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Our full-time employees enjoy a generous benefit package that includes: Medical, Dental, Company-Matched 401k as well as sick leave and paid vacation. If you meet the above requirements, please send or email your resume to: 500 Ala Moana Blvd., 7 Waterfront Plaza, Suite 500 Honolulu, HI 96813 or email: rstolar@staradvertiser.com We are an equal opportunity, affirmative action employer. We recognize and appreciate the benefits of diversity in the workplace. People who share this belief or reflect a diverse background are encouraged to apply.
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