Create a perfect backyard oasis
BRANDPOINT
There are no two ways about it, this summer has been a hot one for the entire country. Everyone is experiencing record high temperatures. But that doesn’t mean you need to retreat inside and spend the summer cooped up to beat the heat. You can still enjoy the outdoors by making a few changes to your backyard space so you can enjoy it no matter the temperature.
Here are some tips for creating your perfect backyard oasis, from the experts at Belgard.
Cool off with shading
Is your back patio in the direct sun and your table umbrella not quite cutting it? It’s time for a pergola. These beautiful, decorative features come in many styles, from simple wooden frames to more elaborate metal elements. Pergolas don’t typically have roofs so how do they block the sun? The secret is installing linen or muslin curtains. They block the sun and add a breezy, Mediterranean flair.
Create functional outdoor living spaces
Think of your backyard as an outdoor room. Now, imagine how and when you will use it. Designate specific areas for dining, lounging and entertaining.
Designate specific areas for dining, lounging and entertaining. Think about where the sun hits your backyard at certain times of the day.
Think about where the sun hits your backyard at certain times of the day.
Shady in one part of the yard around dinner time? That’s where to put your grill and patio table. Sunny spot in the afternoons? Arrange your furniture there under your pergola. Get creative and be thoughtful of your space to increase
30-year mortgage rate surges to highest mark since July
Ann Saphir
REUTERS
The interest rate for the most popular U.S. home loan jumped last week to 6.73 percent, its highest since July, adding to headwinds for the housing market even as the Federal Reserve looks set to further lower its target for short-term borrowing costs.
The average contract rate on a 30-year fixed-rate mortgage rose 21 basis points in the week ended Oct. 25, the Mortgage Bankers Association said today.
The main home loan rate is now 60 basis points above where it was immediately after the Fed’s mid-September meeting, when the central bank made an initial half percentage point cut to the policy interest rate and signaled more reductions to come.
Mortgage rates had been falling on anticipation of the Fed’s move, pumping new life into the housing market. Contracts to buy previously owned homes jumped by the most in four years in September, the National Association of Realtors reported today. Pending sales turn into actual sales a month or two later.
But almost immediately after the Fed’s September meeting, home loan rates began climbing again, as stronger-than-expected data including a jump in spending and big job gains allayed concerns about a recession and fueled expectations that the Fed would cut rates more slowly. A report Wednesday showing consumer and business spending bolstered economic growth in the most recent quarter also reinforced that view.
In addition, traders have been piling into bets that both inflation and interest rates could stay high if Donald Trump takes the White House and his Republican party takes control of Congress in next week’s close fought elections. U.S. 10-year Treasury yields, which mortgage rates track closely, hit a nearly four-month high on Tuesday.
Refinancing applications slumped last week, the MBA said, and now account for just 43.1 percent of total mortgage applications.
its functionality. Take inspiration from Belgard Rooms to explore pre-designed outdoor spaces or get an expert’s opinion.
Install an outdoor kitchen
Do you have a grillmaster in your life who loves making meals outdoors? Go beyond the grill and
create a complete outdoor kitchen. Belgard’s Elements line of outdoor essentials has everything you need for a truly functional, convenient outdoor cooking space — no more running inside for items you forgot to haul from your indoor kitchen. The line features grills, side burners, ovens, storage, a
compact fridge (yes, you can!), bars and sinks, and every grilling accessory you need to whip up your culinary masterpieces al fresco.
Enhance with water features
Nothing says “oasis” like flowing, bubbling water. It adds an element of peace
and tranquility to your outdoor experience. Incorporate a water feature like a fountain, pond or waterfall to soothe, cool and calm. Imagine sitting in a comfy outdoor armchair next to a bubbling fountain with a good book on a lazy summer afternoon. You can just feel the stress of the day melt away.
Incorporate greenery and landscaping
Trees, shrubs, flowers and plants add a lush sense of beauty to your backyard oasis, but they also provide natural cooling. A beautiful way to do this is by using a retaining wall like Belgard’s Melville Wall, which is designed to incorporate shrubs and plants. Or try Artforms, a modular panel system that can quickly and efficiently construct raised beds to include native plants and shrubs.
Think about biophilic design
What’s that? Biophilic design is the notion that humans have an inherent need to connect with nature, so permanent design elements like walls and patios should weave in elements of nature. It’s good for your mental and physical health.
By creating a perfect outdoor living space, you can enjoy your backyard all year round.
INESCROW
Clifton A. Kukino RB-15364
808-639-1490 ckukino@kauairealty.net
Jordan I Kukino RS-81289
808-634-5032 jordankukino@kauairealty.net
Kaylin Kukino RS-84730
808-635-2822 kaylin@kauairealty.net
IN THE DISTRICT COURT OF THE FIFTH CIRCUIT STATE OF HAWAII SUMMONS
STATE OF HAWAII
RevisedStatutes,the constructionbyShioi Construction,Inc.ofthat certainSingleFamily Residencesituatedat 492Wai‘uliliStreet, Eleele,Hawaii96705, TMK:2-1-013-028,has
Kauai
Development Corporation Owner(s) (TGI1472401 10/25, 11/1/24)
OWNER’S NOTICE OF COMPLETION OF CONTRACT
NOTICEISHEREBY
GIVENthatpursuantto theProvisionsofSection 507-43,oftheHawaii RevisedStatutes,the constructionbyShioi Construction,Inc.ofthat certainSingleFamily Residencesituatedat 490 Wai‘uliliStreetA, Eleele,Hawaii96705, TMK:2-1-013-027,has been completed.
Kauai Housing Development Corporation Owner(s) (TGI1472399 10/25, 11/1/24)
OWNER’S NOTICE OF COMPLETION OF CONTRACT
NOTICEISHEREBY
GIVENthatpursuantto theProvisionsofSection 507-43,oftheHawaii RevisedStatutes,the constructionbyCushnie ConstructionCompany, Inc.ofthatcertain CesspoolAbandonment, Assessment/Remediation situatedat854Pu’uRoad, Kalaheo,HI96741,TMK: (4)2-3-005:002,has been completed.
Bank of Hawaii As Trustee of the Kukuiolono Park Trust Estate Owner(s) (TGI1472372 10/25, 11/1/24)
To: Defendant SAGE T. MARTIN-OLDFIELD, also known as Sage Thomas Martin-Oldfield
YOUAREHEREBYNOTIFIEDthatthePlaintiff GATHERFEDERALCREDITUNION,afederallychartered creditunion,filedaComplaint(Assumpsit-Money Owed);Declaration;Exhibits1,2&3;andSummons againstyouinCivilNo.5DRC-24-204,intheDistrict CourtoftheFifthCircuit,StateofHawaii,prayingfor judgmentforsumsdueandowingfornonpaymentof anautoloan,interest,latefees,attorneys’feesand costs, and for other proper relief.
YOUAREHEREBYSUMMONEDtoappearinthe CourtroomofthePresidingJudgeoftheabove-entitled Court,Kauai,Hawaii,onMonday,the23rddayof December,2024,at8:00a.m.ofsaiddayortofilean answerorotherpleadingandserveitbeforesaidday uponSHERMANSHIRAISHI,Plaintiff’sattorney,whose addressis2403UluMaikaStreet,Lihue,Hawaii, 96766.Ifyoufailtodoso,judgmentbydefaultwill betakenagainstyouforthereliefdemandedinthe Complaint.
DATED: Lihue, Hawaii, October 18, 2024.
/S/ DEBRA MANINI CLERK OF THE ABOVE-ENTITLED COURT (TGI1472285 11/1/ 11/8, 11/15, 11/22/24)
IN THE DISTRICT COURT OF THE FIFTH CIRCUIT STATE OF HAWAII SUMMONS
STATE OF HAWAII
To: Defendant MAKOA LOVELL
YOUAREHEREBYNOTIFIEDthatthePlaintiff
GATHERFEDERALCREDITUNION,afederallychartered creditunion,filedaComplaint(Assumpsit-Money Owed);Declaration;Exhibits1,2&3;andSummons againstyouinCivilNo.5DRC-24-413,intheDistrict CourtoftheFifthCircuit,StateofHawaii,prayingfor judgmentforsumsdueandowingfornonpaymentof anautoloan,interest,latefees,attorneys’feesand costs, and for other proper relief.
YOUAREHEREBYSUMMONEDtoappearinthe CourtroomofthePresidingJudgeoftheabove-entitled Court,Kauai,Hawaii,onMonday,the23rddayof December,2024,at8:00a.m.ofsaiddayortofilean answerorotherpleadingandserveitbeforesaidday uponSHERMANSHIRAISHI,Plaintiff’sattorney,whose addressis2403UluMaikaStreet,Lihue,Hawaii, 96766.Ifyoufailtodoso,judgmentbydefaultwill betakenagainstyouforthereliefdemandedinthe Complaint.
DATED: Lihue, Hawaii, October 18, 2024.
/S/ DEBRA MANINI CLERK OF THE ABOVE-ENTITLED COURT (TGI1472290 11/1, 11/8, 11/15, 11/22/24)
IN THE DISTRICT COURT OF THE FIFTH CIRCUIT STATE OF HAWAII SUMMONS
STATE OF HAWAII
To: Defendant JACOB LANGRIDGE
YOUAREHEREBYNOTIFIEDthatthePlaintiff GATHERFEDERALCREDITUNION,afederallychartered creditunion,filedaComplaint(Assumpsit-Money Owed);Declaration;Exhibits1,2&3;andSummons againstyouinCivilNo.5DRC-24-198,intheDistrict CourtoftheFifthCircuit,StateofHawaii,prayingfor judgmentforsumsdueandowingfornonpaymentof consumerandVISAloans,interest,latefees, attorneys’ fees and costs, and for other proper relief.
YOUAREHEREBYSUMMONEDtoappearinthe CourtroomofthePresidingJudgeoftheabove-entitled Court,Kauai,Hawaii,onMonday,the23rddayof December,2024,at8:00a.m.ofsaiddayortofilean answerorotherpleadingandserveitbeforesaidday uponSHERMANSHIRAISHI,Plaintiff’sattorney,whose addressis2403UluMaikaStreet,Lihue,Hawaii, 96766.Ifyoufailtodoso,judgmentbydefaultwill betakenagainstyouforthereliefdemandedinthe Complaint.
DATED: Lihue, Hawaii, October 18, 2024. /S/ DEBRA MANINI CLERK OF THE ABOVE-ENTITLED (TGI1472213 11/1, 11/8, 11/15, 11/22/24)
IN THE DISTRICT COURT OF THE FIFTH CIRCUIT STATE OF HAWAII SUMMONS STATE OF HAWAII
To: Defendant KEALOHILANI JANICKI
YOUAREHEREBYNOTIFIEDthatthePlaintiff GATHERFEDERALCREDITUNION,afederallychartered creditunion,filedaComplaint(Assumpsit-Money Owed);Declaration;Exhibits1,2&3;andSummons againstyouinCivilNo.5DRC-24-520,intheDistrict CourtoftheFifthCircuit,StateofHawaii,prayingfor judgmentforsumsdueandowingfornonpaymentofa loanandanoverdrawnaccount,interest,latefees, attorneys’ fees and costs, and for other proper relief.
YOUAREHEREBYSUMMONEDtoappearinthe CourtroomofthePresidingJudgeoftheabove-entitled Court,Kauai,Hawaii,onMonday,the23rddayof December,2024,at8:00a.m.ofsaiddayortofilean answerorotherpleadingandserveitbeforesaidday uponSHERMANSHIRAISHI,Plaintiff’sattorney,whose addressis2403UluMaikaStreet,Lihue,Hawaii, 96766.Ifyoufailtodoso,judgmentbydefaultwillbe takenagainstyouforthereliefdemandedinthe Complaint.
DATED: Lihue, Hawaii, October 18, 2024.
/S/ DEBRA MANINI CLERK OF THE ABOVE-ENTITLED COURT (TGI1472214 11/1, 11/8, 11/15, 11/22/24)
NOTICE OF PUBLIC HEARINGS
PursuanttoChapter91,HawaiiRevisedStatutes,noticeisherebygiventhat theStateofHawaii,DepartmentofTransportation(DOT)HighwaysDivision,will holdapublichearingrelatingtoproposedHawaiiAdministrativeRules,Chapter 19-153,entitled"AutomatedSpeedEnforcementProgram."Theproposedrules areintendedtoestablishanautomatedspeedenforcementprogramtoimprove enforcement speeding laws of the State of Hawaii.
ThepublichearingwillbeheldviatheInternetusingMicrosoftTeamson December2,2024,at9:00AM.Thecall-inphonenumberis+1808-829-4853, 299066643,ConferenceID:299066643#.TheMicrosoftTeamsmeetinglinkis availableatwebsite: https://hidot.hawaii.gov/highways/home/doingbusiness/hawaii-administrative-rules/ .Acopyoftheproposedrulescanbe viewedordownloadedfreeatthissite.Apapercopymaybeobtainedbymailinga requestandamoneyorderfor$4.75totheDOTaddressshownbelow.Checks shouldbemadeouttoHawaiiDepartmentofTransportation.Acopyofthe proposed rules may be reviewed in person at the following address: Hawaii Department of Transportation
November 25 and 26, 9 a.m.
Noon on both days. Interestedpersonsareinvitedtopresenttheirviewsontheproposedrulesat thepublichearingorbymail,emailorfax.Writtencommentswillbeaccepted through December 2, 2024, at
Room 98-339 Ponohana Place Aiea, HI 96701
Personswithdisabilitiesrequiringspecialassistanceshouldcall808-6927650 at least two weeks before the hearing. (SA/HTH/WHT/TGI1472373 11/01/24)
PUBLIC NOTICE
BILL NO. 2933, DRAFT 1 ORDINANCE NO. 1166
ABILLFORANORDINANCEAMENDINGCHAPTER8,KAUA‘ICOUNTYCODE 1987,ASAMENDED,RELATINGTOTHECOMPREHENSIVEZONING ORDINANCE,INCLUDINGMATTERSPERTAININGTOGUESTHOUSES (Kaua‘iCountyCouncil,Applicant)(ZA-2024-3–PlanningCommission Recommendation)
CERTIFICATE OF THE COUNTY CLERK
IherebycertifythatBillNo.2933,Draft1wasadoptedonsecondandfinal readingbytheCounciloftheCountyofKaua‘iatitsmeetingheldonOctober23, 2024, by the following vote:
FOR ADOPTION: Bulosan, Carvalho, Cowden, DeCosta, Kagawa, Kuali‘i, Rapozo TOTAL – 7*, AGAINST ADOPTION: None
– 0, EXCUSED & NOT VOTING: None
– 0, RECUSED & NOT VOTING: None
TOTAL – 0, approvedbytheMayoronOctober25,2024,andnowhastheeffectoflawas Ordinance No. 1166.
*PursuanttoRuleNo.5(b)oftheRulesoftheCounciloftheCountyofKaua‘i, CouncilmemberKagawawasnotedasvotingsilent,butshallberecordedasan affirmative for the motion.
Lihu‘e, Hawai‘i /s/ Jade K. Fountain-Tanigawa October 28, 2024 County Clerk, County of Kaua‘i (TGI1473197 11/01/24)