| |
March 1, 2008 - Newsletter for the Maui Market
Aloha! Here is your eNewsletter for the Maui Market from Jim Foster
You are receiving this email because you subscribed to our e-newsletter email list. If you change your mind and wish to unsubscribe, please send an email to Won@JamesBFoster.com and request to be removed with the subject line, “Unsubscribe from Newsletter.”
Make sure you check out the Useful Internet Sites and Real Estate Tips at the end of this newsletter which includes some valuable information.
Don't forget! We provide a free Automatic E-mail Notification Service that goes out to recipients whenever a new listing becomes available for a particular condominium complex. Each of these notifications includes a link to view the details of the brand new listing in the MLS. We DO NOT SHARE YOUR EMAIL ADDRESS or your contact information with anyone. To subscribe to our Automatic E-mail Notification Service, please send Won an email at Won@JamesBFoster.com with your first and last name, your email address, and the condominium property you wish to be notified of.
Another service we provide is the Condominium Real Estate Market eUpdates which is sent out periodically to inform potential buyers and owners of specific condominium properties about the real estate market activities at those properties. This service is provided exclusively for those who own a condominium property or who are interested in a particular condominium complex on West Maui. If you would like to subscribe to the Condominium Real Estate Market eUpdates for a particular complex or to get a list of all condominium properties that are included in the eUpdates, email Won at Won@JamesBFoster.com.
Maui Real Estate – The Maui market continues more robust than the main-land market and although prices have slipped some there have not been dramatic decreases in prices here. There are new condominium developments under construction and if you would like for us to email, fax or mail you information about these or what is available for purchase just email me or call me.
To view the 2007 Year End Statistics go to www.JamesBFoster.com and click on the tab Condo sales, then scroll down to Maui MLS Statistics 2007
The West Maui real estate market continues to favor Buyers with Sellers willing to negotiate their prices. The current inventory of West Maui condominiums for sale is now at 595 and the same date in 2006 it was 282. Properties are requiring more time to sell such as five to six months and Buyers have a much larger inventory of properties for sale to choose from. If you’re curious about current trends in Maui real estate and where the market is headed, the answer is - it depends on Location - it depends on if it is condominium or single-family residential - it depends on whether you look at volume, average or median prices. The current Maui real estate market looks steady with minor variations.
Condominiums for Sale - In the West Maui real estate market, at the beginning of January, 2006 - 226 condominiums with the total value of $226,520,200.00; February, 2006 - 280 condominiums with the total value of $281,793,835.00; March, 2006 - 297 condominiums with the total value of $286,082,559.00; April, 2006 - 350 condominiums with the total value of $317,599,199.00; May, 2006 - 354 condominiums with the total value of $321,932,077.00; June, 2006 - 362 condominiums with the total value of $333,616,070.00; July, 2006 - 392 condominiums with the total value of $346,937,598.00; August, 2006 - 393 condominiums with the total value of $344,119,142.00; September, 2006 - 413 condominiums with the total value of $369,322,455.00; October, 2006 - 408 condominiums with the total value of $366,608,574.00; November, 2006 - 407 condominiums with the total value of $357,086,324,00; December, 2006 - 428 condominiums with the total value of $361,399,109.00; January, 2007 - 410 condominiums with the total value of $372,238,031.00; February, 2007 - 431 condominiums with the total value of $393,681,669.00; March, 2007 - 458 condominiums with the total value of $420,941,268.00; April, 2007 - 479 condominiums with the total value of $429,708,159.00; May, 2007 - 472 condominiums with the total value of $424,095,260.00; June, 2007 - 455 condominiums with the total value of $415,187,129.00; July, 2007 - 475 condominiums with the total value of $432,797,008.00; August, 2007 - 469 condominiums with the total value of $420,479,301.00; September, 2007 - 474 condominiums with the total value of $430,914,408.00; October, 2007 there were 471 condominiums with the total value of $423,631,002.00; November, 2007 there were 466 condominiums with the total value of $416,008,907.00; December, 2007 there were 485 condominiums with the total value of $421,080,117.00; January, 2008 there were 511 condominiums with the total value of $445,656,447.00; February, 2008 there were 559 condominiums with the total value of $500,946,603.00; and at the beginning of March, 2008 there are 595 condominiums for sale in the West Maui area with the total value of $529,779,322.00. The condominium for sale inventory since July, 2005 has been as low as 165 and is up to 595 for March 1, 2008. The “for sale” inventory on West Maui continues to increase.
Condominium Sales in 2006 - The total condominium sales for West Maui during the month of January, 2006 there were 42 sales and the total value was $28,574,643.00; for February, 2006 there were 48 sales and the total value was $32,995,078.00; for March, 2006 there were 40 sales and the total value was $32,199,584.00; for April, 2006 there were 43 sales and the total value was $41,898,525.00; for May, 2006 there were 51 sales and the total value was $39,644,886.00; for June, 2006 there were 40 sales and the total value was $32,533,500.00; for July, 2006 there were 30 sales and total value was $26,212,000.00; for August, 2006 there were 28 sales and the total value was $31,885,500.00; for September, 2006 there were 30 sales and the total value was $24,770,000.00; for October, 2006 there were 29 sales and the total value was $23,359,299.00; for November, 2006 there were 22 sales and the total value was $13,414,600.00; and for December, 2006 there were 30 sales and the total value was $23,169,999.00. For 2006, the monthly average sales were 36 sales per month with the average sales value of $29,221,468.00 per month.
Condominium Sales in 2007 - The total condominium sales for West Maui during the month of January, 2007 there were 37 sales and the total value was $33,091,000.00; for February, 2007 there were 26 sales and the total value was $16,330,000.00; for March, 2007 there were 32 sales and the total value was $24,121,000.00; for April, 2007 there were 27 sales and the total value was $16,766,000.00; for May, 2007 there were 28 sales and the total value was $30,774,929.00; for June, 2007 there were 28 sales and the total value was $18,917,000.00; for July, 2007 there were 21 sales and the total value was $13,314,200.00; for August, 2007 there were 32 sales and the total value was $33,258,999.00; for September, 2007 there were 23 sales and the total value was $24,701,900.00; for October, 2007 there were 42 sales and the total value was $28,159,900.00, however this included a packaged sale of 19 units at Aina Nalu in Lahaina; for November, 2007 there were 15 sales and the total value was $15,930,000.00; and for December, 2007 there were 13 sales and the total value was $13,335,500.00. For 2007, the Month of December has seen the lowest number of sales in 2007. The monthly average sales were 27 sales per month with the average sales value of $22,391,702.33 per month.
Condominium Sales in 2008 - The total condominium sales for West Maui during the month of January, 2008 there were 20 sales and the total value was $16,186,800.00 and for February, 2007 there were 19 sales and the total value was $13,984,584.
The total condominium sales for August, 2005 was 52; September, 2005 - 58; October, 2005 - 38; November, 2005 - 48; December, 2005 - 47; January, 2006 - 42; February, 2006 - 48; March, 2006 - 40; April, 2006 - 43; May, 2006 - 51; June, 2006 - 40; July, 2006 - 30; August, 2006 - 28; September, 2006 - 30; October, 2006 - 29; November, 2006 - 20; December, 2006 - 30; January, 2007 - 37; February, 2007 - 26; March, 2007 - 32; April, 2007 - 27; May, 2007 - 28; June, 2007 - 28; July, 2007 - 21; August, 2007 - 32; September, 2007 - 23; October, 2007 - 42; November, 2007 - 15; December, 2007 - 13; January, 2008 - 20; and February, 2008 was 19.
For previous condo sale details, go to our web site, www.JamesBFoster.com/CondoSales.php. For the time period of 1/1/2008 to 1/31/2008 the average price for a home on Maui was $863,533 which is down 34% for the time period of 1/1/07 to 1/31/07 when the average price was $1,300,494. For the same time period the average price for a Fee Simple condo on Maui was $958,860 which is down 6% for the same time period when the average price was $1,017,679 according to the RAM (Realtor Assoc. of Maui) statistics. Condo sales in Wailea, Makena, Kapalua and Kaanapali are having an impact on the Fee Simple Condo average price by increasing it.
We have gone in to the MLS database and pulled information for 2000 through 2007. In 2000 - 654 condominium units sold in the West Maui area for a total value of $209,064,010; in 2001 - 605 condominium units sold for a total value of $271,681,337; in 2002 - 730 condominiums sold for a total value of $240,178,915; in 2003 - 737 condominiums sold for a total value of $319,748,466; In 2004 - 700 condominiums sold for a total value of $375,033,467; in 2005 - 682 condominiums for a total value of $408,582,315; in 2006 - 435 condominiums for a total value of $351,782,614; in 2007 - 327 condominiums for a total value of $271,290,428.00. In 2008, from 1/1/08 to 2/29/08 - 39 condominium units sold in the West Maui area for a total value of $30,171,384.00
Mortgage Rates as of March 3, 2008 - from First Hawaiian Rates: Houses & Condos Full doc: 30 Year Fixed 5.75% @ 1.25 pts - 5.875% @ 0.75 pts - 6.125% @ 0.00 pts - 15 Year Fixed 5.000% @ 1.25 pts 5.125% @ 1.00 pts 5.375% @ 0.00 pts - 7/1 ARM Interest Only 5.50% @ 1.00 pts Loans $625,500.00 to $1 Million - 30 Year Fixed 6.125% @ 1.00 pts 6.375% @ 0.00 pts Condotel: 30 Year Fixed 6.125% @ 1.25, 6.75% @ 0.00 pts (For contact information call Jim at 1-888-661-7994)
Mortgage Rates as of February 4, 2008 - from First Hawaiian Mortgage - Rates: Houses & Condos Full doc: 30 Year Fixed 5.375% @ 1.25 pts - 5.500% @ 1.00 pts - 5.875% @ 0.00 pts - 15 Year Fixed 5.125% @ 1.25 pts 5.250% @ 1.00 pts 5.750% @ 0.00 pts - 7/1 ARM Interest Only 6.000% @ 1.125pts Loans $625,500.00 to $1 Million - 30 Year Fixed 5.625% @ 1.25 pts 6.000% @ 0.00 pts Condotel: 30 Year Fixed 6.375% @ 0.00 pts (For contact information call Jim Foster at 1-888-661-7994)
If you would like to view the most current sales statistics for Maui or West Maui Condominiums, you can go to my web site www.JamesBFoster.com and click on Condo Sales in the upper left corner of the home page or go to www.JamesBFoster.com/condosales.php.
Some recent and past news about what is going on in Maui.
Weather - As I am writing this newsletter today, March 5, 2008, it is about 81 degrees and sunshine is forecast through March 10, 2008 with light trade winds and cool evenings.
Maui Planning Chief believes it is time to slow down – Hunt, the Maui Planning Chief
announced that county planners would not support any applications for a community plan amendment until the Maui County General Plan update is completed. This could take as long as three more years on the island of Maui while the drafts for a Maui island plan go through the Maui General Plan Advisory. It is expected that there will be an estimated increase from a population of about 140,000 today to 200,000-plus permanent residents and 70,000 part-time residents by 2030.
Business Success Story on Maui in Paia - Debbie Wilson, Maui swimsuit designer, has her designs the supermodel bodies in the annual Sports Illustrated swimsuit edition.
Her store is the Maui Girl & Co. store in Paia. Located in the heart of Paia town on Baldwin Avenue where she has been for 30 years. The store has Rows of bikinis, coverups and sarongs displayed on bamboo racks. Debbie plans to continue selling her exclusive designs out of her Paia store and online at www.maui-girl.com.
Fines To Be Implemented – There are three bills pending before the 2008 Legislature that will help the Department of Land and Natural Resources increase the penalties it can impose on bad behavior in conservation districts and discourage the bad behavior. The three bills would help the department recover some of its costs by expanding provisions for the department to include administrative costs as part of the penalty for a conservation district violation, but the stiffest penalties may apply to theft of state resources. One bill eases the determination of damage under water. While current law sets a $5,000 fine for each marine specimen damaged or destroyed, it can be difficult to assess how many coral colonies were damaged or destroyed when all of them were destroyed. If someone is stealing or harvesting koa trees, a fine needs to be set based on the value of the resource. As an example, the market value of a mature koa tree could easily translate in to a $50,000 fine. would not be unreasonable and would not make up for the loss of the resource.
Slight Drop in Tourism – Maui County had 2,577,827 tourist visits last year. This was a small drop from record-setting 2006, down 8% but earlier reports from the Department of Business, Economic Development & Tourism showed that Maui revenue from tourism was down 4.3%. The statewide drop was down 1.2%. Maui had revenue totaling about $3.37 billion. Per-person-per-day spending was $192, down 2.5 percent. Maui’s room rates are much higher, but Oahu visitors buy more stuff.
Foreclosure Rate on Mau & Hawaii – Hawaii ranks as number 42 in comparison to foreclosure rates in the other states, Nevada, California and Florida holding the top three spots. The foreclosure house rate is 2.5% and the rate has declined since December, 2007.
Lahaina Bypass Update - Hawaii DOT expects construction of Phase-1A of the Lahaina Bypass to begin in late 2008 or early 2009 but first the archaeological studies have to be completed first. Since the two archaeological sites are in the path of Phase-1A, DOT must present alternatives, including 100 percent avoidance of the cultural areas. Options include bending the new road down to join Keawe or building Maui’s first roundabout. The original estimate was $48 million for Phase-1A and DOT may choose to start the project from the Keawe Street end. Work on Phase-1B of the Lahaina Bypass, connecting Lahainaluna Road to Honoapiilani Highway near Launiupoko, is slated to begin in 2009 on schedule. The Lahaina Bypass is intended to relieve congestion on Honoapiilani Highway by diverting traffic around Lahaina.
New Pier For Lahaina Harbor – The draft environmental impact statement that reviews the three alternatives for a new ferry pier at the Lahaina Harbor has been released for public review and comment. The second pier, to run on the north side and parallel to the existing pier and loading dock, is intended to accommodate increasing use of the commuter ferry operations between Lahaina and Lanai and Molokai. A notice of completion of the draft EIS will be published Friday, with March 24 set as the deadline for public comment
New Hiking Trail Construction Has Begun - The first phase of what will eventually connect Kapalua and Honolua bays by way of a 3.5-mile public trail system. The new trail will be called the Kapalua Coastal TraiIt is expected to be completed in 2009 and will be a combination of sidewalks, paved trails, elevated boardwalks and rustic pathways. The first phase will be three-quarters of a mile and connect The Residences at Kapalua Bay to Oneloa Beach to the northeast. Oneloa Beach rests between Kapalua Bay and D.T. Fleming Beach Park.
Hawaiian Economy To Grow More Slowly - Economic growth will be slower than expected in the next two years as a weaker housing market, tighter credit and withering consumer confidence on the Mainland squeezes visitor arrivals. Japan’s sputtering economy will likely lead to fewer tourists visiting from the Asian nation. Economic growth in Hawaii will depend on when a recovery begins in the United States and Japan.
Hawaii growth will be supported by local construction activity and the good news is that permit levels for private construction remain high which suggests solid activity in coming months.
Alternative Energy and Real Solutions – When U.S. Assistant Secretary of Energy Alexander A. Karsner visited Kaheawa Wind Farm on Maui in February, he pronounced Kaheawa the finest site he has seen for wind generated electricity. Maui currently has no way to store wind-generated power for use when the wind falls off. Diesel generators must be left running, ready to go in case the wind dies but battery storage of wind-generated electricity may be the long-term solution. Kaheawa plans to boost its peak 30 megawatt output to 58 mw and Shell is planning a 40 mw windfarm at Ulupalakua.
Kindness of A Stranger – We just don’t hear enough good news! A story appeared in the newspaper in February about human kindness that is worthwhile reading. It spoke of a person who had gone to Wal-Mart to replace a blown-out tire and after talking with an employee, the quote on replacement, balancing, disposal of the old tire, etc., came to $95. This person politely told the Wal-Mart employee that he was sorry to have wasted his time but he could not afford the tire at this time since times are a little tough right now. An older gentleman behind him overheard this and asked how much the tire was and after telling him, he calmly reached into his wallet and handed me a 100-dollar bill without hesitation. He declined, saying he couldn’t accept his generosity but the older gentleman insisted and said he only wanted a smile in return. It’s amazing that in this day and age someone still cares for a complete stranger. The aloha that gentleman shared should be an example to all, especially nowadays.
Medical Facilities on Maui - The Association for Improved Healthcare on Maui (AIHM) http://www.aihm-maui.org whose mission is to serve as an advocate for the creation of a system that will provide improved healthcare services to all of the citizens and visitors of Maui County has been making some excellent progress. For more information on making a contribution to this great cause, please visit www.aihm-maui.org/ourfriends.htm. To stay informed of what is transpiring with future approvals of either the Kihei or West Maui hospital, you can send me an email and request a subscription to the “Coconut Wireless” to either my email at Jim@JameBFoster.com or Jan@SunshineRainbows.com
Medical Crisis on Maui – Dr. Berry, a Wailuku physician specializing in obstetrics, gynecology and infertility is the last doctor still in private practice willing to deliver babies on Maui. The fear of malpractice lawsuits has caused physicians to stop performing high-risk procedures and to quit volunteering for on-call emergency and trauma care duty, according to the HMA. Legislators Bertram and McKelvey were part of a panel for the medical association forum and encouraged the audience to contact their state representatives and senators to support tort reform but it sometimes takes two to three years before legislation like tort reform can be passed. Maui has a critical need for upgraded facilities and more health care service options. But even new facilities would offer no benefits without medical personnel in place. When Dr. Berry moved here nine years ago he accepted a 40 percent pay reduction for the privilege of practicing in what he saw as paradise. He’s currently facing difficulties trying to recruit another doctor to work with him in his office, he said. His malpractice insurance costs him $63,000 a year. Based on current reimbursements by medical insurance companies, he said he is paid about $1,800 for each baby he delivers. That means he must deliver at least 35 babies just to cover the insurance premium.
Real Estate & Financial Planning Tips:
Advanced Planning - An excellent idea for owners is to have a Net Proceeds Statement prepared as property values change. This outlines the various costs a seller has at closings and is an important item to have in your files. If you would like to know what your net proceeds would be if you sold at a particular price, let us know and we can prepare one for you and email you the document in an ADOBE pdf format. If you are not a Hawaii resident, you will have to deal with the Hawaii Real Property Tax Law HARPTA when you property sells and 5% of the selling price is withheld unless you do a tax deferred exchange or have transferred title to a Hawaiian registered entity such as a Limited Liability Company. HARPTA is not a tax. This is a common misunderstanding. HARPTA was enacted to provide a means for the state to collect capital gains taxes from absentee owners. HARPTA is very similar to laws passed by several other states as well as to a federal law that applies to non-US citizens that sell real estate. These are items to discuss with your attorney and accountant.
Probate Process and Real Estate Value – If you have a death in the family you will probably need a Current Market Value for the property at the time of death. The heirs of the deceased will have a “stepped-up basis of value” and when the property is sold the new basis will be used in determining future capital gains. If you need assistance with this at some point in the future please give us a call and we can help. Determining the current market value of your real estate on an annual basis is a good idea.
Tax tips for Vacation Rentals or Second Homes – How frequently you rent out your property is how the IRS will classify it for tax purposes. If you use your home fewer than 14 days a year or less than 10% of the days rented to outsiders each year, whichever is greater, then your home is an investment property. If you use the home 15 or more days or more than 10% of the days rented to outsiders, it’s a second home. If you can declare it as a second home you can collect 14 days rents without paying taxes on it. If it’s an investment, you have to declare the income to deduct for business expenses on the home (advertising, cleaning, maintenance and etc.) In calculating the days you use the property, “work days” don’t count toward the 14 days – 10% test. Keeping a Guest Book will help in the event of an IRS Audit. If a second home the owner can deduct mortgage interest. As a second home, the owner is believed to treat it almost like a primary residence and can deduct mortgage interest. You cannot take a loss if expenses exceed income. Tax laws since 1986 allow those with up to $100,000 in annual adjusted gross income up to $25,000 in losses from rental properties annually. If losses exceed $25,000, they may carry the sum over to future years as long as their income is still at or below $100,000. As incomes rise, the $25,000 cap is reduced: with $100,000 to $150,000 income only 50 cents for every dollar in losses up to $25,000 can be claimed, over $150,000 no loss allowed. Owners of an investment property can take a loss on the sale of their homes, second-home owners can’t. To prepare for an eventual sale, get an appraisal during the year you convert from personal to income-oriented us. If when sold the price is below the appraisal value, you’ll have documentation to support your loss. Appraisals for 2007 taxes can take place up to April 15, 2008. The astute investor will coordinate these matters with the account or CPA.
Holding Title to Real Estate - For those of you who are not certain how you are currently holding title or if you are holding title correctly according to your future estate needs might email me and I can send you an article about the forms of ownership: Tenancy By The Severalty; Tenancy In Common; Joint Tenancy; Tenancy By The Entirety. If you are not sure about how you are holding title I can check for you, just email me the address of the property, Unit number if a condominium, project name and your name and I will check and email you the data. I can also check the date you purchased and the original purchase price for you if you would like.
Standard Real Estate Purchase Contract – Are you familiar with the RE Purchase contract used in Hawaii? If you are interested, I can email you a blank copy to review at your leisure, just send me an email and I will send it as an ADOBE pdf attachment.
Future Sellers and Buyers of real estate some of the questions you need to ask yourself and be familiar with are: 1) What do I need to know about my real estate purchase contract, called a Purchase Contract in Hawaii? 2) Why are there contingencies in the Purchase Contract and why are they important? 3) What information is required to open an escrow to complete a sale? 4) Why should my deposit check be held by escrow and not the seller? 5) What does the closing agent do with the deposit? 5) What papers need to be prepared and signed by both the buyer and the seller? 6) How will the real estate loan be processed if it is not an all cash transaction? 7) Which of the costs and fees of the transaction are negotiable and when should I start negotiating them? 8) What is title insurance and why is it necessary in the real estate transaction? 9) Why does it matter how I take title to the property? 10) What problems might arise during the closing process to prevent the sale or closing from taking place? 11) How can I be certain that the papers I will be signing are correct? 12) Who makes the decision regarding the closing date? 13) Can I change the way I hold title after the closing occurs? 14) What happens if my closing has to be cancelled?
Maui County Real Estate Tax Appeals will have to be filed by April 9, 2008 at 4 PM - if you need the form it can be printed from www.mauipropertytax.com Many property owners were surprised last year when they received their assessment and did not file the appeal form by the deadline. The assessor’s office has been dealing with a back log of appeals.
In past newsletters, I have mentioned that the easiest way to minimize the tax impact when selling is to do a tax deferred exchange. If you have questions about tax deferred exchanges give us a call. If you are considering selling your property in Hawaii, a tax deferred exchange will exempt you from the 5% HARPTA withholding and also the Federal Capital Gains Tax. Planning in advance for the disposition or acquisition of assets is always a wise decision. Another invaluable tool for sellers in doing a tax deferred exchange is having the option of using tenant-in-common (TICs) for qualifying for replacement properties. Many property owners who currently own underperforming assets can sell those assets, taking advantage of tax deferred exchanges, and turn an underperforming asset such as land into an income producing asset. Call me or send me an email if you would like additional information at 808-661-7994 or email Jim@JamesBFoster.com
To facilitate the tax deferred exchange process for our clients, we have placed our securities license with Welton Street Investments, LLC. Welton Street is the leading FINRA/SIPC Member Broker/Dealer formed exclusively to work with commercial real estate professionals offering TIC (Tenant In Common) investments as 1031 exchange options and direct investments. Welton Street works with quality TIC real estate sponsors, providing access to a broad and deep array of institutional quality TIC investment properties providing due diligence, research & securities compliance. Welton Street utilizes three key areas of due diligence before real estate sponsors and TIC investment replacement properties are selected and presented for investor consideration: 1) Audit and Analysis of the Real Estate Sponsor; 2) Analysis of TIC Program Structure & Fees; and 3) Analysis & Underwriting of Replacement Properties.
If you are contemplating selling highly appreciated real estate during 2008 and would like for us to provide an analysis of how to best structure your transaction, please call us at 1-888-661-7994 or send us and email at Jim@JamesBFoster.com
Useful Internet Sites:
http://pipl.com/ This is excellent web site that searches the huge web repository of underlying content, such as documents in online databases that general-purpose web crawlers don’t reach. This invisible web content is estimated to contain 500 times that of the surface web, yet has remained mostly untapped due to the limitations of traditional search engines. This specialized search tool is designed to reach the higher-quality information including personal profiles, public records and other people-related documents that are stored in databases that are invisible to conventional search engines.
http://www.ntwind.com/software/taskswitchxp.html If you use the “Alt + Tab” trick to switch between tasks while computing. Try this mini program that gives you advanced task management functions that pick up where the Windows Alt+Tab switcher leaves off. This tool gives you a visual presentation of where you are while also enhancing your experience by displaying a thumbnail preview of the application that you are about to switch to. Additionally, it has a helpful management capability that allows you to quickly close or minimize applications and their groups.
http://maps.live.com/ Microsoft has its web site now to compete with the google site for maps at www.google.com/maps and the competition is heating up with Microsoft’s Virtual Earth. In addition to traditional mapping technology, this site offers aerials, hybrid combinations (a combination of aerial and mapping), birds eye views (in a high resolution from a low altitude and at various angles, allowing property “fly-overs”), 3-D building views and, in beta, street level videos. I still prefer google because the satellite function is superior but check it out and see what you thing.
http://www.eere.energy.gov/consumer/your_home/ With energy as expensive as it is today, this web site is a great place where you can learn how to use the energy in your home more efficiently. The savings potential is enormous and all of the tips and tricks you’ll ever need are right here in one place. Your tax dollars paid for this site so you might as well use it.
Kindest Regards, Jim Foster
Chase 'N Rainbows Real Estate, Inc.
P.O. Box 10398
Lahaina, HI 96761
Toll Free 888-661-7994
Direct Line 808-661-7994
Cell 808-870-5858
Fax 808-667-2957
Real Estate for Sale www.JamesBFoster.com
Vacation Rental www.ChaseNRainbows.com
Email Jim@JamesBFoster.com
If you feel that you have received this newsletter in error, please send an email to Won@JamesBFoster.com and request to be removed with the subject line, “Unsubscribe from Newsletter.” |
|
