B4 • Friday, October 28, 2022
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THE GARDEN ISLAND
RENTAL REMODEL DONE RIGHT BRANDPOINT
U.S. mortgage rates top 7% for first time in two decades ASSOCIATED PRESS WASHINGTON, D.C. — The average long-term U.S. mortgage rate topped 7 percent for the first time in more than two decades this week, a result of the Federal Reserve’s aggressive rate hikes intended to tame the nation’s stubbornly high inflation. Mortgage buyer Freddie Mac reported Thursday that the average on the key 30-year rate jumped to 7.08 percent from 6.94 percent last week. Last year at this time, rates on a 30-year mortgage averaged 3.14 percent. Higher mortgage rates reduce homebuyers’ purchasing power, resulting in fewer people being able to afford to buy a home at a time when home prices continue to climb, albeit more slowly than earlier this year. The combination of higher rates and home prices means a typical mortgage payment for a homebuyer is up hundreds of dollars compared to what it was earlier this year. “We’re really viewing this as a spike in mortgage rates that is pretty dramatically impacting affordability in the market, really sharply curtailing demand,” said Mike Fratantoni, chief economist at the Mortgage Bankers Association. The last time the average rate was above 7 percent was April 2002, a time when the U.S. was still reeling from the Sept. 11 terrorist attacks, but six years away from the 2008 housing market collapse that triggered the Great Recession. Many potential homebuyers have moved to the sidelines as mortgage rates have more than doubled this year, a trend that’s knocked the once red-hot housing market into a slump. Sales of existing homes have declined for eight straight months as borrowing costs have become too high a hurdle for many Americans already paying more for food, gas and other necessities. Meanwhile, some homeowners have held off putting their homes on the market because they don’t want to jump into a higher rate on their next mortgage. In effort to tamp down inflation, which is the highest in four decades, the Fed has raised its key benchmark lending rate five times this year, including three consecutive 0.75 percentage point increases that have brought its key short-term borrowing rate to a range of 3 percent to 3.25 percent, the highest level since 2008. At their last meeting in late September, Fed officials projected by early next year they would raise their key rate to roughly 4.5 percent. Despite the rate increases inflation has hardly budged, remaining above 8 percent at both the consumer and wholesale level. Even as the housing market slows considerably, the job market remains strong and consumer spending is resilient. The Fed is expected to raise its benchmark rate another three-quarters of a point when it meets next week. While mortgage rates don’t necessarily mirror the Fed’s rate increases, they tend to track the yield on the 10-year Treasury note. The yield is influenced by a variety of factors, including investors’ expectations for future inflation and global demand for U.S. Treasurys. The monthly payment on a median priced home is 78 percent higher now than it was a year ago for buyers who are able to make a 20 percent down payment. This translates to a $1,000 rise in the typical home payment in the last year, according to Realtor.com.
When it comes to upgrades and functional design, a rental property is often a space that’s left on the backburner. Whether it’s prepping for new tenants or simply giving a space a quick face lift, these projects can sometimes become overwhelming. See below for easy installation ideas and simple tips to ensure you have a fully functional bathroom with a beautiful design aesthetic. Bring purpose to the sink It doesn’t matter if the goal is to upgrade a bathroom or if one is starting from scratch, assuring the sink space is multi-functional is a crucial step! Replacing a faucet could seem daunting, but the Peerless® Precept® Single-Handle Bath Faucet makes this process a breeze. What’s great about it is it saves both time and money as it comes with a Push Pop-Up Drain Assembly included! Unlike other drain assemblies that require multiple parts (and purchases), this user-friendly accessory works seamlessly with the faucet itself and comes with all necessary parts to easily install it. By simply pushing down on its head, a sink can quickly be filled up with water for a variety of uses. One can create an at-home ice water face dip for the ultimate selfcare regimen, an emergency stain soak, or even a bath for the little ones. Establish a complementing look with a unified finish
CONTRIBUTED BY BRANDPOINT
The Peerless Precept Slide Bar with Hand Shower delivers an at-home, spa-like experience. forgo this overwhelming feeling is by implementing a uniform finish. Not only will one finish and style lend clarity to a bathroom design, but it will also help deliver that polished and flawless look. For instance, for a bath space that has a black finish, small adds like a black-rimmed mirror, dark-stained stool, or charcoal vase will provide the accents to the overall color scheme. The possibilities are endless!
A bathroom can easily feel clutAdd more functionality tered when it has too many eleRental property bathrooms ofments and colors. A simple way to
tentimes deliver the bare minimum by only providing a basic toilet, working faucet and a showerhead. For those looking to level up their rental shower experience without breaking the bank, an easy way in is by installing a multifunctional fixture beyond just a showerhead. The Peerless® Precept® Slide Bar with Hand Shower delivers just that. When added onto an existing showerhead, it can operate on its own or also at the same time, creating an instant at-home spa-like experience. Not to men-
tion its pause feature reduces water to a trickle, giving space for shaving and lathering - ideal for any guest shower. When thinking through ways to transform a rental investment property, being efficient, yet thoughtful is the way to go. Extensive restorations are a thing of the past when one can find easy-to-install and functional items that still deliver a beautiful design. From unifying the color scheme to implementing new fixtures, even the slightest updates can make the biggest difference.
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THE GARDEN ISLAND
Friday, October 28, 2022 Page 5
246-0325
KAUAI’S
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Must see to appreciate this one-of-a-kind CAROL C CUMMINGS RB-14915 concrete home perched on the Hanapepe Rim (RB) CRB, CRS, GRI, SFR with VIEWS, VIEWS, VIEWS! LAND AREA: 18,684 SF 808-651-4766 INTERIOR LIVING AREA: 3,200 SF kauairealty@gmail.com Price: $1,495,000 MLS# 665879
Custom Home for $1,249,000 3BR/3BA plus office/family room 1,904 sq ft interior area • 6,452 sq ft of land MLS #666193
Diane A. Pavao RS-58020 808-651-3557
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KAUAI REALTY
KOLOA $829,000 3bed/2.5ba Interior: 1,639 sqft MLS 665859 Mark K. Tanaka, RB-9222 mark@marktanaka.com 808-639-0367 Ashley M. Carvalho, RS-73535 ashley@ashleycarvalho.com 808-639-9307
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THIS CHARMING 3 BEDROOM, 2.5 BATH HOME features a large 2 car garage, wood floors, an open and flowing layout, and a large backyard lanai. Full with the old Hawai’i charm, this home has beautiful tongue and groove redwood walls and is fully fenced with a gorgeous moss rock wall. The home has been well maintained and is move in ready.
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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.
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Send a cover letter and resume to: 500 Ala Moana Blvd Ste 7-500 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.
Page 6 Friday, October 28, 2022
THE GARDEN ISLAND
FORECLOSURES
Garage & Lanai Sales
Koloa
9.99 Merchandise Wanted WANTED
AOriginalWEEK Rice Bags
KOLOA - $829,000 3 BED/2.01 BATH 1,639 sqft Interior 7,267 sqft Land Mark Tanaka 808-639-0367 Ashley Carvalho 808-639-9307 MLS 665859
great condition, ON ALL MERCHANDISE ADS* all sizes & brands
*Restrictions may apply. Call for details.
welcome. InsuranceBusiness808-335-5797 Hours Call Center Monday–Friday; 7:30 a.m.–5:30 p.m. Lihue We want to work with
HealthWE & Life Insurance Brokers. GLADLY Representing 2023 ACCEPT: Medicare Advantage & Medicare Supplemental Plans. www.fbihi.com Call Dana (808) 792-5194.
Employment Opportunities
Hanapepe HANAPEPE
Courtyards at Waipouli seeking Assistant Groundskeeper. Full time. Monday-Friday. Experience pref’d. Benefits incl. Reliable trans. Drug free work place. Send resume or email for more info. courtyardswaipouli@ showemgmt.com 808-822-1300 $1,495,000 3 BED/3 BATH 3,200 sqft Interior 18,684 sqft Land Carol C. Cummings RB-14915 808-651-4766 Shelly Kaui-Carvalho RS-64829 808-652-3886 MLS 665879
Pets AKC Reg.3 Male Shih Tzus avail. after Nov.15th. 1 Tri, 2 Apricot. 1st Vax. $3,300 808-651-1030
Free Pets
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245-0433
Lihue - $1,450,000 5Bed / 5.01Ba Interior size: 3027 sq. ft. Land Size: 9,174 sq. ft. MLS 663176 Charissa Riofta RS-82661 808-639-3752
Omao OMAO
$5,000,000 Vacant Land Lot Size: 7.46 acre(s) Tom H Shigemoto RS-53693 808-651-5273 Mark K. Tanaka RB-9222 808-639-0367 MLS 663481
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Free dogs to good homes. For more information call 808-651-8808
MERCHAN DISE
Kekaha KEKAHA
Appliances Recycled Appliances Washers, Dryers, Stoves & Refrigerators $250+ 6 months warranty. Tashi 808-652-0551
Garage & Lanai Sales FINAL Moving Sale: Oct.29 Saturday, 8am -3:30pm. Selling various household items and other objects. EVERYTHING MUST GO! Located at New Mill Camp, House 111 (the houses near Kaua’i Coffee). Signs will be posted to direct you.
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245-0433 thegardenisland.com
$450,000 LH 4 BED/2 BATH 1,248 sqft Interior 11,353 sqft Land Shelly Kaui Carvalho 808-652-3886 MLS 664628
OMAO - $780,000 3 BED/2 BATH 1,531 sqft Interior 8,059 sqft Land Melinda B. Yomen 808-482-0452 MLS 655642
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BUSINESS
KAUAI’S
service guide 245-0456
FOR MORE INFORMATION, CALL DIANE 245-0456 THE GARDENISLAND.COM/CLASSIFIEDS
Carpentry
Carpentry
Best Samaritan Contractor Rockwall, All brick work, All tree servicing, Foundati on/Footings, and All Landscaping work. Call Samson 346-5404 or 782-6570 Lic. #26959
Best Samaritan Contractor Rockwall, All brick work, All tree servicing, Foundati on/Footings, and All Landscaping work. Call Samson 346-5404 or 782-6570 Lic. #26959
The Garden Island is seeking a
newspaper distributor Independent contractors are responsible to pick up the newspapers with a dependable vehicle daily. Successful candidate should possess sales, management, customer service skills, and must be able to recruit and train carriers. Candidate must be 21 years of age, have a valid driver’s license with a clean driving abstract and proof of insurance. For more details, contact Sharene at (808)690-8909 or email schun@staradvertiser.com We are an equal opportunity 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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FORECLOSURES
FORECLOSURES
FORECLOSURES
NOTICE OF INTENT TO FORECLOSE INTERVAL OWNERSHIP INTERESTS AND OF SALE BY PUBLIC AUCTION. NOTICE IS HEREBY GIVEN pursuant to the terms of the Timeshare Declaration that the following timeshare interests more particularly described in the lien(s) referred to in Schedule “1” will be foreclosed upon SOLD by the foreclosing agent, First American Title Company on behalf of Waiohai Beach Club Vacation Owners Association, a Hawaii nonprofit corporation by sale of property secured thereby at public auction on 11/14/2022 at 1:00 PM at Vidinha Stadium, Hoolako St, Lihue, HI 96766, under the trees, at entrance to the stadium. Each of the properties to be sold is a Timeshare Interest at Waiohai Beach Club established by certain Declaration recorded as Doc. No. 2692944 in the office of Bureau of Conveyances or Assistant Registrar of the Land Court, State of Hawaii and as amended and which property is located at 2249 Poipu Road, Koloa, HI, 96756. The Timeshare Interest as noted on the Notice of Lien, which has been filed against the record owner as consists of delinquent NOTICE OF PUBLIC HEARING maintenance fees, (plus interest, late charges, and collection and enforcement costs). Terms of the sale are: (1) No upset price. (2) Property sold without covenant or warranty, express or implied, as to the title The Department of Health, State of Hawaii, will hold a possession or encumbrances; (3) At the close of the auction, Purchaser shall pay 100% of the highest WAILUA public hearing at the time and place listed below to successful bid price (“Bid”) by certified, or cashier’s check to FIRST AMERICAN TITLE COMPANY; provided $939,000 provide an opportunity for public comment on the that the Association may submit a credit bid up to the amount of the secured indebtedness; (4) 3Bed /2Ba Interior size: 1,192 sq. ft. proposed Child and Adolescent Mental Health Division Purchaser shall pay all closing costs including, but not limited to: costs of document drafting, notary fees, consent fees, escrow fees, conveyance tax, recordation fees and other charges, together with any special Lot size: 19,384 sq. ft. Strategic Plan for 2023-2026. MLS 663084 All interested parties are invited to attend and assessments which may arise under HRS 514B-146(g)(h)(i); (5) If title is not conveyed to Purchaser for Carol Cummings present their views orally or in writing. Written comments any reason, other than Purchaser’s failure to perform as specified herein, the Association’s sole RB-14915 may also be sent to Dr. Scott K. Shimabukuro, Acting responsibility shall be the return of the Bid funds tendered by Purchaser. The Purchaser shall have no 808-651-4766 Administrator, Child and Adolescent Mental Health further recourse against the Association or its agents, attorneys, servicers and auctioneers; (6) The sale Division, 3627 Kilauea Avenue, Room 101, Honolulu, may be postponed from time to time by public announcement by the Association or someone acting on Deadlines: noon on Friday its forbehalf; Sunday(7)and advertisers, The Garden Island the right to By Monday. submitting(We theare Bid,closed Purchaser acknowledges reading the does termsreserve and conditions setedit, forth Hawaii 96816 within 30 days of this notice. Regular, single-column classifieds in The Garden Island can Saturdays and Sundays). refuse, ad at any time. ads are subject in this notice and agrees to be bound thereby andreject, sign or a cancel writtenany acceptance of allAllterms herein. For be placed until 4:45pm on Monday, Tuesday, Wednesday, further information regarding this sale, you must contact First Company, to approval prior toAmerican publication.Title WeInsurance are not liable for losses a Date: November 10, 2022 Nebraska corporation (702) Conductorresulting of the public sale in the errors state oforHawaii: AQUA and Thursday for the following day, noon on Friday for Sunday The Garden Island Real Estate Deadlines:atTo place,304-7509. correct or expenses from publication omission of Time: 9:00 a.m. to 10:00 a.m. LLC on behalf of, First American Title, agent 539-7504; Address: and Monday. Please call your sales executive or 246-0325 for or cancel a FridayLEGAL an ad for at Claimant; any time. Phone: All ads (808) are subject to approval prior1099 to real estate/rental single-column ad, please Place: Kauai Family Guidance Center Alakea Street, suite 2430, Honolulu, Hawaiipublication. 96813. Batch No:notForeclosure HOA 123939-WI102deadlines for larger, multi-column ads. We are liable for losses or expenses resulting (The Old Courthouse Building) call by noon on Thursday. HOA. Schedule “1”: Lien Recording Date and Reference, Timeshare Interest (Contract No.), Owner(s); from publication errors or omissions of an ad. Advertising rate 3059 Umi Street, Suite A-014 05/27/2022 Inst: WI*1106*21*B, LYLE D. GWENDOLYN WEEKS; Cancellation/Correction Deadlines: cancel or change Check your ad for cards are available fromWEEKS any salesand executive. Ads are subject errors the first dayA-81820865, it runs in the paper. Lihue, HITo96766 05/27/2022 Inst: A-81820865, WI*1108*51*B, MIKE ENOS andatVICKI ENOS, Trustees of the MIKE an ad in the Garden Island, call us by 4:45pm on Monday, We are unable to issue credit for errors reported after the to the rate card in effect the time they are placed. *Please enter through the metered parking lot entrance ENOS AND VICKI ENOS FAMILY TRUST DATED APRIL 20, 2000; 05/27/2022 Inst: A-81820865, Tuesday, Wednesday, and Thursday for the day, first day of publication. While we BRENT try to accommodate ourand ANNE VIBEKE HELGESEN JIMENEZ; 05/27/2022 Inst: Abetween 8:45-8:55 a.m.following or call 808-274-3883. WI*1109*42*B, RALPH JIMENEZ 81820865, WI*1206*10*E, RICHARD ALAN BARON; 05/27/2022 Inst: A-81820865, WI*1207*20*B, MICHAEL ALLAN JONES and EDNA ELIZABETH JONES; 05/27/2022 Inst: A-81820865, WI*1210*40*B, **Virtual option (Zoom) will be available also. RICHARD M. DESROCHES and JEANNE M. DESROCHES; 05/27/2022 Inst: A-81820865, Please join via the Zoom app with the meeting ID # 96518870028 or by phone at 1-719-359-4580 WI*1212*35*B, THU TRAN and TONY TRAN; 05/27/2022 Inst: A-81820865, WI*1304*15*X, WAYNE H. DUNN and MARY LOUISE DUNN, Trustees of the DUNN REVOCABLE LIVING TRUST, U/D/T, NOVEMBER or 1-669-444-9171. 14, 1995; 05/27/2022 Inst: A-81820865, WI*1309*29*B, CORNELIA F. VAUGHT and JOE R. VAUGHT; Inst: A-81470886, WI*1312*30*X, GUY (NMN) MADSEN and WENDY (NMN) MADSEN; If you need special accommodations (i.e. sign language, 04/22/2022 05/27/2022 Inst: A-81820865, WI*1402*16*E, CHARLES TAYLOR CAMPBELL and MARI (NMN) interpreter, large print), please contact Ms. Valerie Yin FLORES-CAMPBELL; 05/27/2022 Inst: A-81820865, WI*1408*08*B, AMY YURIKO MATSUMOTO and at the Child and Adolescent Mental Health Division ten THELMA MITSUE AKITA-KEALOHA; 07/11/2022 Inst: A-82270439, WI*1409*19*X, RICHARD ALAN (10) days in advance of the public hearing at (808) BARON; 05/27/2022 Inst: A-81820865, WI*2102*33*B, MARILYN EILEEN CONLON, M.D.; 733-9383. 05/27/2022 Inst: A-81820865, WI*2303*31*X, MITCHELL S. ROSE, Survivor Trustee of the MITCHELL AND NANCY ROSE FAMILY TRUST DATED APRIL 1, 1996; 05/27/2022 Inst: A-81820865, Persons wishing to request a copy of the proposed WI*2304*46*B, RICHARD W. RICE and JUDITH K. RICE, Trustees of the RICE REVOCABLE TRUST U/A plan for statewide children’s mental health services DATED 12/14/2000; 05/27/2022 Inst: A-81820865, WI*2401*24*X, KIM F. SHELTON and NORMAN may send written requests to Dr. Scott K. Shimabukuro, D. THOMPSON; 05/27/2022 Inst: A-81820865, WI*2404*20*B, ROBERT STEPHAN MALCZYNSKI and Acting Administrator, Child and Adolescent Mental JAN ROSS MALCZYNSKI; 05/27/2022 Inst: A-81820865, WI*2404*21*B, ROBERT STEPHAN Health Division, 3627 Kilauea Avenue, Room 101, MALCZYNSKI and JAN ROSS MALCZYNSKI; 05/27/2022 Inst: A-81820865, WI*2407*38*B, STANLEY Honolulu, Hawaii 96816. Postage and copying fees will L. EDER and MARILU R. EDER; 05/27/2022 Inst: A-81820865, WI*2408*01*E, CALVIN CARL CURTIS; 05/27/2022 Inst: A-81820865, WI*4205*23*E, JOLYNN EGBERT BOICE; 05/27/2022 Inst: Abe assessed. thegardenisland.com 81820865, WI*4206*48*X, MARK LOUIS TESSIER and COSETTE LAVONNE TESSIER; 05/27/2022 Inst: (TGI1391992 10/28/22) A-81820865, WI*5205*40*E, AILEEN DALISAY MARANON and ALFREDO GALICIA MARANON, JR. and MARILYN DALISAY MARANON and MARIA CARMELA MARANON-VALDERRAMA; 05/27/2022 Inst: A81820865, WI*5401*43*E, JAMES L. ALLRED and LORI A. ALLRED, Trustees of the JAMES L. ALLRED IRREVOCABLE TRUST, DATED NOVEMBER 19, 2001; 05/27/2022 Inst: A-81820865, WI*5401*50*E, DAVID ROLAND HORA and MARY ELIZABETH ELLIOTT-HORA; 05/27/2022 Inst: A-81820865, WI*6204*50*B, CHIA-HAN (NMN) HSIEH and LUKE CHIALONG HSIEH; 05/27/2022 Inst: A-81820865, DEPARTMENT OF HUMAN SERVICES WI*6305*39*E, LINDA PATRICIA VARON and WALTER JOSEPH VARON; 05/27/2022 Inst: A-81820865, NOTICE OF PRESCHOOL OPEN DOORS APPLICATION PERIOD WI*7301*43*B, LYLE D. WEEKS and GWENDOLYN (NMN) WEEKS; 05/27/2022 Inst: A-81820865, WI*7403*24*E, TERRY PHILLIPS SLATTERY and HERBERT HENRY SLATTERY, JR.; 05/27/2022 Inst: APursuant to Hawaii Administrative Rules, Chapter 17-799-5, notice is hereby 81820865, WI*7404*20*X, JERRY JOHN REEVES and TAMMY ANN REEVES; 05/27/2022 Inst: Agiven that the Department of Human Services will be accepting applications for the 81820865, WI*7408*04*X, LESLIE I. KESSLER; 05/27/2022 Inst: A-81820865, WI*7408*05*X, Preschool Open Doors (POD) program starting November 1, 2022 through the LESLIE I. KESSLER; 05/27/2022 Inst: A-81820865, WI*7408*14*E, HORTON C. BALLEW and LORI L. closing date of November 30, 2022. Applications received during this application BALLEW, Trustees of the BALLEW FAMILY LIVING TRUST DATED FEBRUARY 28, 2008; 05/27/2022 Inst: period are for consideration for POD program participation during the period of A-81820865, WI*7408*15*E, HORTON C. BALLEW and LORI L. BALLEW, Trustees of the BALLEW FAMILY LIVING TRUST DATED FEBRUARY 28, 2008; 05/27/2022 Inst: A-81820865, WI*8110*30*E, January 1, 2023 through June 30, 2023. SARAH CATHERINE HAVEL and JEFFREY KENT HAVEL; 07/11/2022 Inst: A-82270438, WI*8205*30*E, Families with children who will be enrolling into kindergarten for the JAMES FREDERICK WESTERBERG, JR. and TAMERA DIETRICH WESTERBERG; 05/27/2022 Inst: AWI*8302*32*B, HERBERT HENRY SLATTERY, JR. and TERRY PHILLIPS SLATTERY; 2023-2024 school year are encouraged to apply. The POD program provides child 81820865, 05/27/2022 Inst: A-81820865, WI*8405*25*B, ROGER J.B. MCKINLEY, SR. and CORENNE MARLEE care payments to eligible families so that their child is able to receive up to a year MCKINLEY, Trustees of the 1996 MCKINLEY FAMILY TRUST, U/A/D 09/24/1996; 05/27/2022 Inst: Aof preschool experience prior to their entry into kindergarten. Funding for POD is 81820865, WI*8407*47*X, DAVID (NMN) GOLAN and HELEN WEISS GOLAN; 05/27/2022 Inst: Alimited, priority for program selection are detailed in the POD administrative rules, 81820865, WI*8407*51*B, CRISOLOGO L. PADILLA and BERNARDA A. PADILLA. which can be found at the link below: (TGI1389743 10/14, 10/21, 10/28/22) NOTICE OF INTENT TO FORECLOSE INTERVAL OWNERSHIP INTERESTS AND OF SALE BY PUBLIC AUCTION http://humanservices.hawaii.gov/admin-rules-2/admin-rules-for-programs/ NOTICE IS HEREBY GIVEN pursuant to the terms of the Timeshare Declaration that the following timeshare interests more particularly described in the lien(s) referred to in Schedule “1” will be foreclosed upon Interested families may request an application beginning November 1, 2022 by the foreclosing agent, First American Title Company on behalf of Marriott’s Kauai Beach Club from the Department’s POD contractor, PATCH, through their website: Owners Association, a Hawaii nonprofit corporation by sale of property secured thereby at public auction on 11/14/2022 at 1:00 PM at Vidinha Stadium, Hoolako St, Lihue, HI 96766, under http://www.patchhawaii.org the trees, at entrance to the stadium. Each of the properties to be sold is a Timeshare Interest at Kauai Resort and Beach Club established by certain Declaration recorded as Doc. No. 95-088888 in the office of Bureau of Conveyances or Assistant Registrar of the Land Court, State of Hawaii and as or by calling: amended and which property is located at 3610 Rice Street, Kalapaki Beach, Lihue, Kauai, HI, 96766. The Timeshare Interest as noted on the Notice of Lien, which has been filed against the record Oahu: (808) 791-2130 or Neighbor Islands (toll-free): 1-800-746-5620 owner as consists of delinquent maintenance fees, (plus interest, late charges, and collection and Applications must be received at the POD office by November 30, 2022 in order enforcement costs). Terms of the sale are: (1) No upset price. (2) Property sold without covenant or express or implied, as to the title possession or encumbrances; (3) At the close of the auction, to be considered for the remainder of the July 1, 2022 – June 30, 2023 POD warranty, Purchaser shall pay 100% of the highest successful bid price (“Bid”) by certified, or cashier’s check to program year. FIRST AMERICAN TITLE COMPANY; provided that the Association may submit a credit bid up to the amount of the secured indebtedness; (4) Purchaser shall pay all closing costs including, but not limited PATCH - POD to: costs of document drafting, notary fees, consent fees, escrow fees, conveyance tax, recordation fees 560 North Nimitz Highway, Suite 218 and other charges, together with any special assessments which may arise under HRS 514B-146(g)(h)(i); Honolulu, HI 96817 (5) If title is not conveyed to Purchaser for any reason, other than Purchaser’s failure to perform as Or fax (808) 694-3066 specified herein, the Association’s sole responsibility shall be the return of the Bid funds tendered by PODAdmin@patch-hi.org Purchaser. The Purchaser shall have no further recourse against the Association or its agents, attorneys, Or via email at servicers and auctioneers; (6) The sale may be postponed from time to time by public announcement by the Association or someone acting on its behalf; (7) By submitting the Bid, Purchaser acknowledges For additional information about the POD program, please contact PATCH at reading the terms and conditions set forth in this notice and agrees to be bound thereby and sign a (808) 791-2130 or 1-800-746-5620. written acceptance of all terms herein. For further information regarding this sale, you must contact First American Title Insurance Company, a Nebraska corporation at (702) 304-7509. Conductor of Cathy Betts, Director the public sale in the state of Hawaii: AQUA LEGAL LLC on behalf of, First American Title, agent for (TGI1392053 10/28/22) Claimant; Phone: (808) 539-7504; Address: 1099 Alakea Street, suite 2430, Honolulu, Hawaii 96813. No: Foreclosure HOA 123935-KA104-HOA. Schedule “1”: Lien Recording Date and FORECLOSURES FORECLOSURES FORECLOSURES Batch Reference, Timeshare Interest (Contract No.), Owner(s); 05/27/2022 Inst: A-81820805, KA*0107*36*E, BRUCE BRENDAN RAVELLA and DARLA KATHLEEN CORNETT-RAVELLA; 05/27/2022 NOTICE OF MORTGAGEE’S INTENTION TO FORECLOSURE UNDER NON- Inst: A-81820805, KA*0213*16*B, PAUL TURNER CHRISTMAS, JR.; 05/27/2022 Inst: A-81820805, JUDICIAL POWER OF SALE. Notice is Hereby Given pursuant to Hawaii KA*0213*45*B, DONALD ROBERT FORD and MARY CHRISTINE FORD; 05/27/2022 Inst: A-81820805, Revised Statutes §667-61 through §667-65 and Purchase Money Mortgage, KA*0271*36*E, ALEXANDER FLOYD MONEYHUN and VALOY LAVAE MONEYHUN; 05/27/2022 Inst: ASecurity Agreement, and Financing Statement with (See Schedule “1”), as 81820805, KA*0271*39*X, DAVID R. JAEGER, or his Successor as Trustee of the DAVID R. JAEGER Mortgagor, dated (See Schedule “1”), recorded in the Bureau of REVOCABLE TRUST, DATED 1/28/2015; 05/27/2022 Inst: A-81820805, KA*0275*08*X, MARIA Conveyances of the State of Hawaii as Document No. (See Schedule “1”), MINERVA COLLAZO; 05/27/2022 Inst: A-81820805, KA*0275*48*E, MA. PAZ RUBIN LACSON; that a mortgage lien exists against each of the Vacation Ownership Interests 05/27/2022 Inst: A-81820805, KA*0277*04*B, PAUL GRAY RODIER and WINIFRED MARGARET identified on (Schedule “1”) in favor of VSE Pacific, Inc., a Florida RODIER; 05/27/2022 Inst: A-81820805, KA*0279*17*B, PETER OTIS MANTER; 05/27/2022 Inst: Aco rp o ra tio n , for failure to pay the amounts owed and secured by the 81820805, KA*0283*03*B, FRAZIER FAMILY PARTNERSHIP, LTD., A TEXAS LIMITED PARTNERSHIP; respective Mortgages. VSE Pacific, Inc., a Florida corporation , as 05/27/2022 Inst: A-81820805, KA*0291*01*B, JERRY EUGENE PARK and MONA (NMN) PARK; Mortgagee, whose address is c/o Default Administration 1200 Bartow 05/20/2021 Inst: A-78100523, KA*0309*20*B, GENE LAVERNE MANLEY and CAROLINE JANE Road, Lakeland, FL 33801 , intends to foreclose its said mortgage, and will MANLEY; 05/27/2022 Inst: A-81820805, KA*0313*11*B, GEORGE JOSEPH FIRENZE, JR. and hold a sale by public auction of Fee Simple property being that certain project, MARYANN (NMN) FIRENZE; 05/27/2022 Inst: A-81820805, KA*0363*09*B, PAUL GRAY RODIER and Princeville Ocean Resort Villas , located at 3838 Wyllie Road, WINIFRED M. RODIER; 05/27/2022 Inst: A-81820805, KA*0363*30*X, DOREEN K. RUTHART and RON Princeville, HI 96722 on 11/18/2022 at Vidinha Stadium, Hoolako JOE RUTHART; 05/27/2022 Inst: A-81820805, KA*0375*34*B, DALE LEE TRIMBLE and JANA DENMAN St, Lihue, HI 96766 (under the trees, at entrance to the stadium ) at TRIMBLE; 05/27/2022 Inst: A-81820805, KA*0385*28*B, EMMANUEL DE LAS ALAS PADILLA and 1:00 PM. Each of the properties is to be sold as an undivided timeshare BRENDA BALUYUT PADILLA; 05/27/2022 Inst: A-81820805, KA*0385*29*B, EMMANUEL DE LAS interest. There will be no open houses. Terms of the sale are: (1) No upset ALAS PADILLA and BRENDA BALUYUT PADILLA; 05/27/2022 Inst: A-81820805, KA*0424*34*E, price. (2) Property sold without covenant or warranty, express or implied, as to WILLIAM RAYMOND GOODHEART and SANDRA SMITH GOODHEART; 05/27/2022 Inst: A-81820805, the title possession or encumbrances; (3) At the close of the auction, KA*0438*23*X, JOSIE LEIGH BENNETT; 05/27/2022 Inst: A-81820805, KA*0447*32*E, THOMAS Purchaser shall pay 100% of the highest successful bid price (“Bid”) by money JOSEPH BRICELY and DEBORAH MARES BRICELY; 05/27/2022 Inst: A-81820805, KA*0447*47*X, order, certified, or cashier’s check drawn against a United States based REINA MABEL MACDONALD and HOWARD AUSTIN FRANCIS TENN; 05/27/2022 Inst: A-81820805, financial institution, in US Currency, made payable to FIRST AMERICAN TITLE KA*0450*37*B, JON BARRIE ROGERS and BARBARA ROSBOROUGH ROGERS and JOHN WESLEY COMPANY; provided that Mortgagee may submit a credit bid up to the amount ROGERS and NICOLE ARLETTA ROGERS; 05/27/2022 Inst: A-81820805, KA*0450*47*X, CALVIN CARL of the secured indebtedness; (4) Purchaser shall pay all closing costs CURTIS and MELANIE ALLRED CURTIS; 05/27/2022 Inst: A-81820805, KA*0451*17*B, RONALD including, but not limited to: costs of document drafting, notary fees, consent EUGENE LITTLE and JANE M. LITTLE; 05/27/2022 Inst: A-81820805, KA*0471*22*B, JON BARRIE fees, escrow fees, conveyance tax, recordation fees and other charges, ROGERS and BARBARA ROSBOROUGH ROGERS and JOHN WESLEY ROGERS and NICOLE ARLETTA together with any special assessments which may arise under HRS 514B- ROGERS; 07/20/2022 Inst: A-82360459, KA*0487*02*E, GERALD MALCOLM BADGEROW and 146(g)(h)(i); (5) If title is not conveyed to Purchaser for any reason, other PATRICIA ANN BADGEROW; 05/27/2022 Inst: A-81820805, KA*0490*41*X, WILLIAM MICHAEL than Purchaser’s failure to perform as specified herein, the Mortgagee’s sole WILLIAMS and HELEN LUCILLE WILLIAMS; 05/27/2022 Inst: A-81820805, KA*0533*09*E, STEVEN responsibility shall be the return of the Bid funds tendered by Purchaser. The STEMPEL and ROXIE STEMPEL; 05/27/2022 Inst: A-81820805, KA*0546*16*B, DALE LEE TRIMBLE Purchaser shall have no further recourse against the Mortgagee or its agents, and JANA DENMAN TRIMBLE; 05/27/2022 Inst: A-81820805, KA*0550*26*B, JON BARRIE ROGERS attorneys, servicers and auctioneers; (6) The sale may be postponed from time and BARBARA ROSBOROUGH ROGERS; 05/27/2022 Inst: A-81820805, KA*0577*03*B, JEAN to time by public announcement by Mortgagee or someone acting on its ELIZABETH GRAHAM and LARRY JOE PARSONS; 05/27/2022 Inst: A-81820805, KA*0577*11*B, UCHE behalf; (7) By submitting the Bid, Purchaser acknowledges reading the terms EMMANUEL AMAECHI and MAUREEN CHINYELU AMAECHI; 05/27/2022 Inst: A-81820805, and conditions set forth in this notice and agrees to be bound thereby and KA*0577*25*B, REY ABAYA ASPACIO and REENA MARIE REYES ASPACIO; 05/27/2022 Inst: Asign a written acceptance of all terms herein. For further information regarding 81820805, KA*0685*30*B, BRIAN GILBERT OSBORNE and JANET LANTZ OSBORNE; 05/27/2022 Inst: this sale, you must contact: First American Title Insurance Company, a A-81820805, KA*0687*35*B, JON B. ROGERS and BARBARA R. ROGERS; 05/20/2021 Inst: ANebraska corporation at (702) 304-7509 . Conductor of the public sale 78100523, KA*0720*14*E, MICHAEL TODD EBERT and KELSIE BRYNN EBERT; 05/27/2022 Inst: Ain the state of Hawaii: AQUA LEGAL, LLC on behalf of, First American Title, 81820805, KA*0732*38*X, JOHN HAROLD CHERCO and KAREN CHRISTINE CHERCO; 05/27/2022 agent for Claimant; Phone: (808) 539-7504; Address: 1099 Alakea Street, Inst: A-81820805, KA*0733*49*E, MICHAEL JOHN DISHER and DENISE MARIE ROMAN; 05/27/2022 suite 2430, Honolulu, Hawaii 96813. Batch No: Foreclosure DOT 121001- Inst: A-81820805, KA*0767*17*E, ROBERT EDWARD KARL and STACIE SUE PILLANS-KARL; POR58-DOT. Schedule “1”: Mortgagor(s), Mortgage Dated Date, Mortgage 05/27/2022 Inst: A-81820805, KA*0781*01*B, ROBERT LOUIS HAHNE and BARBARA ANN HAHNE; Document No., Vacation Ownership Interest (Contract No.); EDIE MARLENE 05/27/2022 Inst: A-81820805, KA*0781*28*B, JOEL BRENT RAES and CONSUELLA MARIE RAES; CLAY and CURTIS LEE CLAY, 10/20/2010, Inst: 2010-179956, 24-01- 05/27/2022 Inst: A-81820805, KA*0781*34*B, KATHLEEN ANN ROBINSON and RICHARD CHARLES 413218; AMY MARGARET COOPER, 10/26/2012, Inst: A-47380810, 24-01- ROBINSON, as Trustees of the ROBINSON FAMILY REVOCABLE TRUST DATED JULY 10, 1999; 415940; AMY M. COOPER, 10/17/2016, Inst: A-61630160, 24-01-418932; 05/27/2022 Inst: A-81820805, KA*0785*19*B, ROBERT LOUIS HAHNE and BARBARA ANN HAHNE; AMY M. COOPER, 10/17/2016, Inst: A-61630164, 24-01-418933. 05/27/2022 Inst: A-81820805, KA*0824*11*X, GEORGE ARTHUR BAYLIS and SHARON KAY BAYLIS; (TGI1390723 10/21, 10/28, 11/04/22) 05/27/2022 Inst: A-81820805, KA*0828*35*B, JAMES WATSON MINTEER; 05/27/2022 Inst: A81820805, KA*0829*18*E, JOSEPH D. BELZILE, Trustee of the JOSEPH D. BELZILE REVOCABLE TRUST DATED NOVEMBER 8, 1991; 05/27/2022 Inst: A-81820805, KA*0829*21*X, MARSHA ESTHER KLOPFENSTEIN; 05/27/2022 Inst: A-81820805, KA*0829*34*X, BRUCE BRENDAN RAVELLA and DARLA KATHLEEN CORNETT-RAVELLA; 05/27/2022 Inst: A-81820805, KA*0829*38*X, K & L SERVICES, INC., A TEXAS CORPORATION; 05/27/2022 Inst: A-81820805, KA*0871*13*B, FRED W. POUCHER, JR. and JOAN ELLEN POUCHER, Trustees of the POUCHER FAMILY TRUST DATED JUNE 29, 1994; 05/27/2022 Inst: A-81820805, KA*0871*30*B, RONALD GARY ANDERSON and ROSEMARY LEE ANDERSON; 05/27/2022 Inst: A-81820805, KA*0883*05*B, KEVIN PAUL JOSEPH and ROBERTA SUZANNE JOSEPH; 05/27/2022 Inst: A-81820805, KA*0917*34*X, ROBERT LYN GURTLER; 05/27/2022 Inst: A-81820805, KA*0917*41*E, GEORGE ARTHUR BAYLIS and SHARON KAY BAYLIS; 05/27/2022 Inst: A-81820805, KA*0920*01*X, ROBERT ALAN FINGERLIN and LORI ANN FINGERLIN; 05/27/2022 Inst: A-81820805, KA*0924*17*X, DAVID RAYMOND JAEGER and PATTI JANE JAEGER; 05/27/2022 Inst: A-81820805, KA*0971*31*B, CONSTANTINO TOCONG CASTILLO, III and ANGELINA TOCONG CASTILLO and CONSTANTINO ALDANA CASTILLO, JR. and KERMIN AMOR TOCONG CASTILLO; 05/27/2022 Inst: A-81820805, KA*0971*33*B, WILLIAM BRUCE REINER and ETHLYN ANN HANSEN REINER; 05/27/2022 Inst: A-81820805, KA*0979*32*B, RUSSELL FRANCIS CARR and JOSEPHINE IRENE CARR; 06/29/2022 Inst: A-82150711, KA*1016*24*E, ATLAS DEVELOPER INC. aka ATLAS DEVELOPERS CORPORATION and CHRISTOPHER LETTICH and LYNDA ATTWOOD fka LYNDA GREERAR; 05/20/2021 Inst: A-78100523, KA*1016*46*E, LEONARD (NMN) ANDERSON and GINGER LARAINE ANDERSON; 05/27/2022 Inst: A-81820805, KA*1120*19*B, JAMES MINTEER; 05/27/2022 Inst: A81820805, KA*1121*35*B, MARY CHRISTINE FORD; 05/27/2022 Inst: A-81820805, KA*1225*03*B, VIRGINIA J. CALLAHAM and ROBERT Z. CALLAHAM, Trustees of the CALLAHAM FAMILY TRUST DATED SEPTEMBER 22, 1978; 06/29/2022 Inst: A-82150617, KA*1229*22*X, ATLAS DEVELOPER, INC. (TGI1390024 10/14, 10/21, 10/28/22)
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