6 key steps for planning a kitchen remodel
BRANDPOINT
Designing your dream kitchen is an exciting endeavor, but it requires careful planning and consideration. Follow these six essential steps to ensure you create a kitchen that perfectly fits your lifestyle and needs.
w Assess your lifestyle:
Consider how you use your kitchen. Are you an avid cook? Is it a family gathering space? Do you often host large groups? Understanding your lifestyle will help guide your design choices.
w Evaluate your existing kitchen: Take a close look at your current kitchen.
Identify what you love and what needs improvement.
Think about storage, prep surfaces, and any changes you want to make.
w Set your budget: Determine a realistic budget for your project. Prioritize your needs over wants, but leave room for upgrades and extra touches that catch your eye.
w Select the right professional: Trust the expertise of a professional who communicates well and understands your vision. A skilled designer can bring your ideas to life and guide you through the process.
w Plan smartly: Measure your kitchen’s size and consider infrastructure concerns like electrical and plumbing. Focus on workflow and customize storage
solutions to fit your family’s daily living.
w Avoid common mistakes: Stay away from overloading with cabinets, ensure sufficient counter space, and invest in quality materials for critical areas like cabinets and countertops.
Remember to be patient throughout the process and manage your expectations. Renovating can be stressful, but the end result will be worth it. Take your time and make thoughtful decisions, even if it means leaving some décor choices for later.
Finishing touches for your dream kitchen
To truly transform your kitchen, pay attention to these key finishing touches:
w Lighting: Mix different types of lighting for various purposes. Use ambient lighting for mood, task lighting for meal preparation, and decorative lighting for the island and dining table.
w Barstools: Select comfortable and stylish barstools, ensuring enough space between them for easy movement.
w Hardware: Choose cabinet and drawer knobs and pulls that match your kitchen’s style and size.
w Sinks/faucets: Consider modern features like pulldown spray nozzles, touchless or tap technology, and semiprofessional functionality
U.S. mortgage rate inches up to 7.19 percent this week
ASSOCIATED PRESS
LOS ANGELES — The average long-term U.S. mortgage rate edged up again this week, another setback for would-be homebuyers navigating an increasingly less affordable housing market.
The average rate on the benchmark 30-year home loan rose to 7.19 percent from 7.18 percent last week, mortgage buyer Freddie Mac said Thursday. A year ago, the rate averaged 6.29 percent. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loan, also rose. The average rate rose to 6.54 percent from 6.51 percent last week. A year ago, it averaged 5.44 percent, Freddie Mac said.
High rates can add hundreds of dollars a month in costs for borrowers, limiting how much they can afford in a market already unaffordable to many Americans. They also discourage homeowners who locked in low rates two years ago from selling.
The weekly average rate on a 30-year mortgage has remained above 7 percent since August, surging four weeks ago to 7.23 percent, a 22-year high.
Mortgage rates have been echoing moves in the 10-year Treasury yield, which lenders use as a guide to pricing loans. The yield has been climbing amid expectations that the Federal Reserve will keep short-term interest rates higher for longer to fight inflation.
for added convenience.
w Essentials: Install under-cabinet lighting for countertop work areas, backsplashes for the sink and range, and sufficient electrical outlets, including USB ports for family tech. By following these steps and incorporating these finishing touches, you’ll create a kitchen that not only looks stunning but also functions perfectly for your lifestyle. Remember to trust the professionals, plan meticulously, and invest in quality materials like Cambria to achieve the kitchen of your dreams.
AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR 808-651-4766 kauairealty@gmail.com www.carolcummingskauai.com
LIHUE-2 HOUSES
Marietta A. Carmichael RS-84849 808-378-8967 mariettacarmichael@msn.com
OWNER’S NOTICE OF COMPLETION OF CONTRACT NOTICEISHEREBY GIVENthatpursuantto theProvisionsofSection 507-43,oftheHawaii RevisedStatutes,the constructionbyDANIEL CONSTRUCTION,INC.of thatcertainNEW HELICOPTERHANGAR situatedat3651AHUKINI RD.,LIHUEAIRPORT,HI, TMK:3-5-001-008,has been completed. ISLAND HELICOPTERS / MR. LOFSTEDT Owner(s) (TGI1430710 9/15, 9/22/23)
NOTICE OF PUBLIC HEARING
PursuanttoChapter91,HawaiiRevisedStatutes,noticeisherebygiventhatthe HawaiiHousingFinanceandDevelopmentCorporation(HHFDC),Departmentof Business,EconomicDevelopmentandTourism,StateofHawaii,willholdavirtual publichearingonTuesday,October31,2023,at10:30a.m.tocreateanew chapter,Chapter15-321,"AffordableHomeownershipRevolvingFundProgram," HawaiiAdministrativeRules(HAR).Writtentestimonyontheseproposed rule-makingactionswillbeacceptedthroughOctober31,2023,atthefollowing address:HHFDC,Attention:CynthiaNyross,677QueenStreet,Suite300,Honolulu, Hawaii 96813; or via email to Cynthia.C.Nyross@hawaii.gov.
TheproposednewChapter15-321,HAR,willimplementtheprovisionsof section201H-206,HawaiiRevisedStatutes,byestablishinganaffordable homeownershiprevolvingfundprogramtoprovidefundsforthedevelopmentof affordablefor-salehousingprojects,assetforthinAct227,SessionLawsofHawaii 2021.
ThepublichearingwillbeheldviatheInternetusingMicrosoftTeamson October31,2023,from10:30a.m.to11:30a.m.Pleasegotoourwebsitefor more information https://dbedt.hawaii.gov/hhfdc/
Interestedpersonsarestronglyencouragedtoviewordownloadthedraftrules electronicallyatthewebsite: http://dbedt.hawaii.gov/hhfdc/administrative-rules/ Apapercopyoftheproposedrulesmaybemaileduponreceiptofacheckmade payableto"HHFDC"intheamountof$2.79forChapter15-321forcopyingand postagecosts.RequestsformailedcopiesshouldbemadetoHHFDCattheabove address or by calling Cynthia Nyross at one of the telephone numbers below:
Honolulu 808-587-0636 Maui 808-984-2400, ext. 70636
Hawaii 808-974-4000, ext. 70636 Molokai or Lanai 1-800-468-4644, Kauai 808-274-3141, ext. 70636 ext. 70636 Personswithspecialneeds(e.g.,largeprint,tapedmaterials,signlanguage interpreter,ortranslator)shallmakeallrequestsforassistancebycontacting HHFDC’sHumanResourcesOfficeat808-587-0501,bywrittenrequest,orbyemail tohhfdchr@hawaii.gov.Promptrequestshelptoensuretheavailabilityof appropriateaccommodations.Uponrequest,thisnoticeisavailableinalternate formats such as large print, Braille, or electronic copy.
HHFDCdoesnotdiscriminateagainstanypersonbecauseofrace,color, religion,sex,includinggenderidentityorexpression,sexualorientation,disability, familial status, ancestry, age, marital status, or HIV infection.
DEAN MINAKAMI, INTERIM EXECUTIVE DIRECTOR (TGI1431584 9/22/23)
PUBLIC NOTICE KAUAI COUNTY HOUSING AGENCY COUNTY OF KAUAI
NOTICEISHEREBYGIVENthattheKauaiCountyHousingAgency(KCHA), pursuanttoChapter17ofitsAdministrativePlanandFederalregulationsat24 CFR983announcesthesolicitationtointerestedandqualifiedhousing developersordevelopmentownerstoapplyfortheProject-BasedVoucher(PBV) Program.ThePBVProgramisacomponentoftheSection8HousingChoice Voucher(HCV)ProgramfundedbytheUSDepartmentofHousing&Urban Development(HUD).LikeHCV,PBVprovidesfederalrentalassistancesubsidies toincome-qualifyingfamiliesandhouseholdsthatenablethemtorentdecent, safeandsanitaryhousingintheprivaterentalmarket.WhereasinHCVwherethe rentalsubsidyistiedtoavoucherwhichinturnisallottedtoafamilyor household,underPBV,therentalsubsidyistiedtoaspecificrentalunitandnot the family or household.
FIFTH CIRCUIT COURT NOTICE AND NOTICE TO CREDITORS
CASE NO. 5CLP-23-0000096
ESTATE OF BARRY LEE GABLER, Deceased. FILED,anApplicationbyBlairAshleyGabler, whoseaddressisc/oKauaiEstateLaw,LLLC,4334 RiceStreet,Suite202,Lihue,Hawaii96766,alleging intestacyofsaiddecedent,whodiedonJune3,2023, andprayingforinformalappointmentandissuanceof Letters of Administration to said Blair Ashley Gabler.
Ifanyinterestedpersonhasobjectiontothe informalprobate,thatpersonmayfileapetitionfor formaltestacy;ifanyinterestedpersondesiresfurther noticeconcerningtheestate,includingnotice concerningtheclosinganddistributionoftheestate, thepersonmustfileaDemandforNoticepursuantto HRS Section 560:3-204.
Allcreditorsoftheabove-namedestatearehereby notifiedtopresenttheirclaimswithpropervouchersor dulyauthenticatedcopiesthereof,eveniftheclaimis securedbymortgageuponrealestate,tosaid nominee,attheaddressshownabove,withinfour(4) monthsfromthedateofthefirstpublicationofthis notice or they will be forever barred.
DATED: September 12. 2023; at Lihue, Hawaii.
/s/ Doreena Olivas Brun Clerk of the Above-Entitled Court Katherine A. Caswell, #9473 Attorney for Applicant KAUAI ESTATE LAW, LLLC 4334 Rice Street, Suite 202 Lihue, Hawaii 96766 (TGI1430612 9/15, 9/22/23)
FIFTH CIRCUIT COURT NOTICE AND NOTICE TO CREDITORS
ESTATE OF ERLINDA LEANIO BUKOSKI
CASE NO. 5CLP-23-0000099
PahioTimeShareOwners
bysaleofpropertysecuredtherebyatpublicauction on November8,2023 at 1:30PM at AhukiniStateRecreationalPier,3651AhukiniRd, Lihue,HI96766(atthePierentrance). EachofthepropertiestobesoldisaTimeshareInterestat Ka’EoKaiResort establishedbycertainDeclarationrecordedas Doc.No.88-77488 intheofficeof BureauofConveyancesorAssistantRegistraroftheLandCourt,StateofHawaiiandasamendedand whichpropertyislocatedat 3970WyllieRoad,Princeville,HI96722. TheTimeshareInterestas notedontheNoticeofLien,whichhasbeenfiledagainsttherecordownerasconsistsofdelinquent maintenancefees,(plusinterest,latecharges,andcollectionandenforcementcosts).Termsofthesale are:(1)Noupsetprice.(2)Propertysoldwithoutcovenantorwarranty,expressorimplied,astothetitle possessionorencumbrances;(3)Atthecloseoftheauction,Purchasershallpay10%ofthehighest successfulbidprice(“Bid”)bycertified,orcashier’scheckto WYNDHAMVACATIONRESORTS,INC. asanon-refundabledeposit;providedthattheAssociationmaysubmitacreditbiduptotheamountof thesecuredindebtedness;(4)ThepropertyshallbeconveyedbytheAssociation’squitclaimconveyance. Purchasershallmeetthefollowingobligations:(a)Purchasershalldeliveracashier’schecknolaterthan 15daysaftertheauction,toescrowforthebalanceoftheBid;(b)Purchasershallpayallclosingcosts including,butnotlimitedto:costsofdocumentdrafting,notaryfees,consentfees,escrowfees, conveyancetax,recordationfeesandothercharges,togetherwithanyspecialassessmentswhichmay ariseunderHRS514B-146(g)(h)(i);(5)Purchasershallprovidetheauctioneerwiththeselectednames (vesting)andtenancyfortitletothepropertyattheconclusionoftheauction;(6)Purchasershallbe responsibleforobtainingtitleinsurance,ifsodesired,however,theavailabilityoftitleorotherinsurance shallnotbeaconditionofclosing;(7)Timeisoftheessenceinthistransactionandanydelayin performancebyPurchaserwhichpreventstheclosingfromoccurringwithin30daysaftertheauction shallcausetheAssociationtosustaindamagesinamountswhichwillbedifficulttoascertain.Inthe eventthesaledoesnotclosebecauseofanydelayinperformancebythePurchaserashereinstated,the 10%downpaymentmayberetainedbytheAssociationasliquidateddamagesandnotasapenalty;(8) IftitleisnotconveyedtoPurchaserforanyreason,otherthanPurchaser’sfailuretoperformasspecified herein,theAssociation’ssoleresponsibilityshallbethereturnoftheBidfundstenderedbyPurchaser. ThePurchasershallhavenofurtherrecourseagainsttheAssociationoritsagents,attorneys,servicers andauctioneers;(9)Thesalemaybepostponedfromtimetotimebypublicannouncementbythe Associationorsomeoneactingonitsbehalf;(10)BysubmittingtheBid,Purchaseracknowledgesreading thetermsandconditionssetforthinthisnoticeandagreestobeboundtherebyandsignawritten acceptanceofalltermsherein.Forfurtherinformationregardingthissale,youmustcontactGeoffreyM. Davis,LawOfficeofGeoffDavis,1130E.GreenStreet,Pasadena,CA,Phone:(818)935-5033orby email: gdavis@gdavislegal.com.ConductorofthepublicsaleinthestateofHawaii:AQUALEGALLLCon behalfof,LawOfficeofGeoffDavis,agentforClaimant;Phone:(808)283-2035;Address:POBox2981, Wailuku, HI
UnderthePBVProgram,aPublicHousingAuthority(PHA)canallocateupto 20percentofitsvoucherassistancetospecifichousingunitsiftheowneragrees toeitherrehabilitateorconstructtheunits,ortheowneragreestosetasidea portionoftheunitsinanexistingdevelopment.AllunitsmustmeetHUDhousing qualitystandards.UnderthePBVProgram,aPHAentersintoanassistance contractwiththeownerforspecifiedunitsandforaspecifiedterm.ThePHA refersfamiliesfromitswaitinglisttotheprojectownertofillvacancies.Because assistanceistiedtotheunit,afamilywhomovesfromtheproject-basedunit doesnothaveanyrighttocontinuedhousingassistance.However,theymaybe eligibleforatenant-basedvoucherunderHCVwhenonebecomesavailable. RentsinthePBVProgramaresetbaseduponmarketcomparablesofsimilar unitsintheprojectandsurroundingvicinityandmaynotexceed110percentof the HUD-published existing housing fair market rents.
ApplicantsforthePBVProgramshallbeanownerofexistingaffordablerental developmentsorprojectswithatleastoneyearofexperienceinownership and/ormanagementofsaiddevelopmentsorprojects.ForpurposesofthePBV Program,“existingaffordablerentaldevelopmentsorprojects”aresuchhousing unitsorpropertiesthatarealreadyconstructedandhavetenantsresidingin individualrentalunitsonpremises.Also,applicantsforthePBVProgramshallbe anownerofrehabilitatedornewlyconstructedhousingdevelopmentsorprojects. ForpurposesofthePBVProgram,“rehabilitatedornewlyconstructed developmentsorprojects”aresuchhousingunitsorpropertiesthatareproposed toberehabilitatedorconstructed.Theselectedapplicationwillbechosenbased onthegreatestnumberofrentalunitsbeingproposedtoutilizePBVfundingand forthelengthoftimetheapplicantdesirestoutilizethePBVProgram.The selectedapplicantwillberequiredtobeinHawaiiComplianceExpress(HCE) clearance if receiving over $25,000 in contract awards.
KCHAestimatesthatuptoforty(40)unitsintheCountyofKauaiwillbeassisted under the funding available for the purposes of the PBV Program.
Torespondtothissolicitation,allinterestedapplicantsarerequiredtocomplete andsubmitaPBVapplicationfromKCHA.ThePBVapplicationisavailablefor downloadatwww.kauai.gov/housingormayberequestedviamailbycontacting theHCVProgramManagerat(808)241-4440,betweenthehoursof8:00AM and 4:00PM, Monday through Thursday, except for legal holidays.
The application deadline for this solicitation is 4:00PM HST on November 6, 2023.
Questions,commentsorrequestsforadditionalinformationmaybedirectedto JenniferToguchi,ProgramManageratjtoguchi@kauai.gov;viaphoneat(808) 241-4440; or by mail at 4444 Rice Street, Suite 330, Lihue, HI 96766.
Accommodationsforpersonswithdisabilities,personsrequestingauxiliaryaides ormaterialsinadifferentformatandinterpretersfornon-Englishspeaking citizenswillbeavailableuponwrittenrequestbycontactingJenniferToguchiat (808) 241-4440.
FILED,theApplicationof KRISTENA.BUKOSKI prayingforinformalprobateofdecedent’sLastWill andTestamentintheaboveentitledestate,andfor appointmentofandissuanceofLetterstoApplicantas PersonalRepresentative,whoisaresidentoftheState of Hawaii, Anyinterestedpersonwhohasanyobjectionto informaladministrationmayfileapetitionforformal proceedingswithinforty(40)daysafterthedateofthe firstpublicationofthisnotice;anyinterestedperson desiringfurthernoticeconcerningtheestate,including noticeconcerningtheclosinganddistributionofthe estate,shouldfileademandfornoticepursuantto Hawaii Revised Statutes Section 560:3-204. Allcreditorsoftheabovenamedestatearehereby notifiedtopresenttheirclaimswithpropervouchersor dulyauthenticatedcopiesthereof,eveniftheclaimis securedbyamortgageuponrealestate,toApplicant’s attorneyattheaddressshownbelow,withinfour(4) monthsfromthedateofthefirstpublicationofthis notice, or they will be forever barred.
DATED: Lihue, Kauai, Hawaii, September 13, 2023.
Doreena Olivas Brun Clerk
LAWRENCE D. McCREERY #1547 Attorney at Law 4265-B Halenani Street Lihue, Kauai, Hawaii 96766 Tel. (808) 246-0269
Attorney for Applicant (TGI1430998 9/22, 9/29, 10/6/23)
IN THE DISTRICT COURT OF THE FIFTH CIRCUIT STATE OF HAWAII SUMMONS STATE OF HAWAII
To: Defendant KALEB M. K. M. JARDINE
YOUAREHEREBYNOTIFIEDthatthePlaintiff KAUAIFEDERALCREDITUNION,formerlyknownas KauaiGovernmentEmployeesFederalCreditUnion,a federallycharteredcreditunion,filedaComplaint (Assumpsit-MoneyOwed);Declaration;Exhibits1,2 &3;andSummonsagainstyouinCivilNo.5DRC-23345,intheDistrictCourtoftheFifthCircuit,Stateof Hawaii,prayingforjudgmentforsumsdueandowing fornonpaymentofsignatureandVISAloans,interest, latefees,costsandattorneys’feesandforother proper relief.
YOUAREHEREBYSUMMONEDtoappearinthe CourtroomofthePresidingJudgeoftheabove-entitled Court,Kauai,Hawaii,onMonday,the30thdayof October,2023,at8:00a.m.ofsaiddayortofilean answerorotherpleadingandserveitbeforesaidday uponSHERMANSHIRAISHI,Plaintiff’sattorney,whose addressis2403UluMaikaStreet,Lihue,Hawaii, 96766.Ifyoufailtodoso,judgmentbydefaultwill betakenagainstyouforthereliefdemandedinthe Complaint.
