| |
August, 2009 - Newsletter for the Maui Market
Aloha! Here is your eNewsletter for the Maui Market from Jim Foster
Hot Buys for August - At the Masters, a Potential Short Sale of a 2 bedroom 2 bath unit with 1,515 SF. The seller purchased in 2006 for $1,375,000 and it is now priced at $825,000. Both the Seller & the Lender are very motivated. For complete details and photos email Jim@JamesBFoster.com
Lahaina Roads on Front Street - 2 bedroom 2 bath condo Potential Short Sale at $588,245 and a 1 bedroom 1 bath REO $469,300. Ocean Front Complex
Villas at Kahana Ridge 3 bedroom 2 bath condo for $299,995 Potential Short Sale
Home in the Napili area on the L. Honoapiilani Rd - Potential Short Sale priced at $1,500,000 and originally priced at $2,825,000 - Owners have moved into a new home and want this property sold now! Vacant and easy to show on short notice. Incredible opportunity to purchase estate property in Napili. Less than 300 feet from the ocean, this property is set up as a three unit compound with top of the line amenities and views. An extensive remodel has been completed. This property has the capacity to sleep 18 with gated parking for six large vehicles. This is a very quiet private area with no CC&R's. New Carpet & Recently Upgraded.
Summit - Vacant Lot above Kaanapali with great ocean views just under 12,000 square feet and only $499,000. Private gated community Motivated seller will consider any offer. Bank Owned - REO
Lanikeha - Perched above Kaanapali Beach Resort - New Gated Community and a 12,628 square foot lot ready for your custom built home on $499,000. Bank Owned REO - Seller says make an offer
There are a substantial number of Short Sales and REO properties for sale in the Maui Realtors Association Multiple Listing Service (MLS) and the number is increasing and if you would like to have a list or are interested in these types of properties send an email to Jim@JamesBFoster.com
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.
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.
Maui Real Estate - The real estate inventory is gradually decreasing with a high of 805 condominiums for sale in April and we have now worked our way down to 682 condominiums. We anticipate the real estate market will continue to soften on Maui for the next 12 to 18 months and gradually stabilize and reverse its trend. There are many buyers waiting on the sidelines to estimate when the bottom has been reached. Many offers being made are low ball offers and often multiple offers are made by the same buyer. Some sellers dropped their sale prices significantly anticipating offers without any response. Maui had a period of about six years where it was a spectacular rising market that peaked in 2006 and is now in a period of correction. Many factors are contributing to a slow recovery of the national real estate market and our Maui market with occupancy drops in the Hospitality Industry and vacation rental industry. This is a Buyer’s Market now after having been a very strong Seller’s Market and this will eventually even out. Prices are low and financing is still attractive and interest rates will continue increase so buyers should not wait too long.
To view the 2007 & 2008 Year End Statistics go to http://www.jamesbfoster.com/condosales.php and click on Maui MLS Statistics 2007 & 2008.
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 682 (at 8/1/09) and on the same month in 2007 it was 475. 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. In the current Maui real estate market, the for sale inventory continues to increase and prices are typically flat or have decreased.
Condominiums for Sale
2007 - In the West Maui real estate market, at the beginning of January, 2007 there were 410 condominiums listed for sale 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 condos with the total value of $420,941,268.00; April, 2007 - 479 condos with the total value of $429,708,159.00; May, 2007 - 472 condos with the total value of $424,095,260.00; June, 2007 - 455 condos with the total value of $415,187,129.00; July, 2007 - 475 condos with the total value of $432,797,008.00; August, 2007 - 469 condos with the total value of $420,479,301.00; September, 2007 - 474 condos with the total value of $430,914,408.00; October, 2007 - 471 condos with the total value of $423,631,002.00; November, 2007 - 466 condos with the total value of $416,008,907.00; and December, 2007 - 485 condos with the total value of $421,080,117.00. The average number of condominiums for sale on West Maui for 2007 was 462 and the average total value was $416,730,118.25.
2008 - At the beginning of January, 2008 there were 511 condominiums listed for sale with the total value of $445,656,447.00; February, 2008 there were 559 condos with the total value of $500,946,603.00; March, 2008 - 595 condos with the total value of $529,779,322.00; April, 2008 - 647 condos with the total value of $606,635,687.00; May, 2008 - 634 condos with the total value of $583,391,821.00; June, 2008 - 644 condos with the total value of $590,736,279.00; July, 2008 - 680 condos with the total value of $662,919,268.00; August, 2008 - 703 condos with the total value of $693,069,348.00; September, 2008 - 693 condos with the total value of $654,411,079.00; October, 2008 - 673 condos with the total value of $620,032,454.00; November, 2008 - 715 condos with the total value of $652,379,032.00; and December, 2008 - 729 condos with the total value of $660,335,998.00. The average number of condominiums for sale on West Maui for 2008 was 648 and the average total value was $604,191,111.50.
2009 - At the beginning of January, 2009 there were 742 condominiums listed for sale with the total value of $693,143,047.00; February, 2009 there were 757 Condos with the total value of $709,234,346; March, 2009 there were 787 Condos with the total value of $681,864,289; April, 2009 there were 805 Condos with the total value of $693,368,793; May, 2009 there were 717 Condos with the total value of $629,812,465; June, 2009 there were 691 Condos with the total value of $591,075,527; July, 2009 there were 692 Condos with the total value of $588,385,017; and in August, 2009 there are 682 Condos with the total value of $575,359,815. The average number of condominiums for sale on West Maui from January 2009 to August 2009 is 734 and the average total value is $645,280,412.38.
The condominium for sale inventory since July, 2005 has been as low as 165 and is up to 682 for August 1, 2009. The “for sale” inventory on West Maui is reaching its peak.
Condominium Sales
2006 - The total condominium sales on West Maui during the month of January, 2006 there were 42 sales and the total value was $28,574,643.00; February, 2006, there were 48 sales with total value of $32,995,078.00; March, 2006 - 40 sales with total value of $32,199,584.00; April, 2006 - 43 sales with total value of $41,898,525.00; May, 2006 - 51 sales with total value of $39,644,886.00; June, 2006 - 40 sales with total value of $32,533,500.00; July, 2006 - 30 sales with total value of $26,212,000.00; August, 2006 - 28 sales with total value of $31,885,500.00; September, 2006 - 30 sales with total value of $24,770,000.00; October, 2006 - 29 sales with total value of $23,359,299.00; November, 2006 - 22 sales with total value of $13,414,600.00; and December, 2006 there were 30 sales with total value of $23,169,999.00. For 2006, the monthly average sales were 36 sales per month with the average sales value of $29,221,467.83 per month.
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; February, 2007 there were 26 sales with total value of $16,330,000.00; March, 2007 - 32 sales with total value of $24,121,000.00; April, 2007 - 27 sales with total value of $16,766,000.00; May, 2007 - 28 sales with total value of $30,774,929.00; June, 2007 - 28 sales with total value of $18,917,000.00; July, 2007 - 21 sales with total value of $13,314,200.00; August, 2007 - 32 sales with total value of $33,258,999.00; September, 2007 - 23 sales with total value of $24,701,900.00; October, 2007 - 42 sales with total value of $28,159,900.00, however this included a packaged sale of 19 units at Aina Nalu in Lahaina; November, 2007 - 15 sales with total value of $15,930,000.00; and December, 2007 there were 13 sales with total value of $13,335,500.00. For 2007, the Month of December saw 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.
2008 - The total condominium sales for West Maui during the month of January, 2008 there were 20 sales and the total value was $16,184,800.00; February, 2008 there were 20 sales and the total value was $14,414,584.00; March, 2008 - 26 sales and the total value was $20,079,000.00; April 2008 - 28 sales and the total value was $20,488,500.00; May 2008 - 22 sales and the total value was $20,055,000; June 2008 - 14 sales and the total value was $11,957,000; July 2008 - 10 sales and the total value was $6,955,999; August 2008 - 13 sales and the total value was $8,055,000; September 2008 - 12 sales and the total value was $6,707,122; October 2008 - 12 sales and the total value was $8,042,500; November 2008 - 10 sales and the total value was $8,444,000; and December 2008 there were 6 sales and the total value was $6,265,000. For 2008, the average monthly sales were 16 sales per month with the average sales value of $12,304,042.08 per month.
Condominium Sales in 2009 - The total condominium sales for West Maui during the month of January, 2009 there were 47 sales and the total value was $54,189,524.00; February, 2009 there were 32 sales and the total value was $43,102,317.00; March, 2009 there were 25 sales and the total value was $20,913,500.00; April, 2009 there were 14 sales and the total value was $5,914,872.00; and May, 2009 there were 7 sales and the total value was $6,420,500.00; and June, 2009 there were 11 sales and the total value was $7,581,000; and July, 2009 there were 18 sales and the total value was $10,484,780.00. From January 1, 2009 to August 1, 2009, the average monthly sales were 22 sales per month with the average sales value of $21,229,499.00 per month.
The condominium sales in 2009, has been adjusted to accommodate the reported sales at the Honua Kai Beach Resort located in Kaanapali, which was recorded late in the Maui MLS.
We have gone in to the Maui MLS database and pulled information for 2000 through 2008. 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; in 2008, - 193 condominium units sold for a total value of $147,648,505; and from January 1, 2009 to August 1, 2009, - 154 condominium units sold in the West Maui area for a total sales value of $148,606,493.00.
For previous condo sale details, go to our web site, http://www.jamesbfoster.com/condosales.php then scroll down to your choice and click to open the ADOBE pdf. For the time period of 1/1/2009 to 6/30/2009 the average price for a home on Maui was $761,252 which is down 14% for the time period of 1/1/08 to 6/30/08 when the average price was $887,559. For the same time period the average price for a Fee Simple condo on Maui was $708,351 which is down 29% for the same time period when the average price was $998,280 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.
Mortgage Rates for week of August 1, 2009 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 4.875% 30yr fixed 2.125 pts (5.146 APR) 5.1250% 30yr fixed 1.125 pts (5.309 APR) 5.500% 30yr fixed -0- pts (5.584 APR) Stated Income - No longer available: Interest Only To $625,500: 6.000% 30 yr fixed (10/20)1.50 pts (6.206 APR) Interest Only to $1M: 6.25% 30 yr fixed(10/20) 1.00 pt (6.416 APR) Condotels 6.375% 30 yr fixed 1.75 pts (6.635 APR) (Points include origination fee)
Mortgage Rates for week of July 1, 2009 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 5.125% 30yr fixed 1.750 pts (5.366 APR) 5.250% 30yr fixed 1.375 pts (5.458 APR) 5.625% 30yr fixed -0- pts (5.629 APR) Stated Income - No longer available: Interest Only: 6.000% 30 yr fixed .875 pts (6.160 APR) To $1M: No longer available 6.50% 30 yr fixed 1.625 points for condotels.(6.749 APR) (Points include origination fee)
Mortgage Rates for week of June 2, 2009 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 5.000% 30yr fixed 2.25 pts (5.265 APR) 5.250% 30yr fixed 1.250 pts (5.426 APR) 5.6250% 30yr fixed -0- pts (5.629 APR) Stated Income - No longer available: Interest Only: 6.125% 30 yr fixed 1.50 pts (6.293 APR) To $1M: No longer available 6.50% 30 yr fixed 2.25 points for condotels.(6.393 APR) (Points include origination fee)
Mortgage Rates for week of May 1, 2009 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 4.500% 30yr fixed 2.125 pts (4.765 APR) 4.7500% 30yr fixed 1.250 pts (4.941 APR) 5.250% 30yr fixed -0- pts (5.332 APR) Stated Income - No longer available: Interest Only: 5.625% 30yr fixed 1.375 pts (5.786 APR) To $1M: No longer available 6.125% 30 yr fixed 1.875 points for condotels.(6.393 APR) (Points include origination fee)
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 & Hawaii
Weather - As I am writing this newsletter today, August 5, 2009, it is about 84 degrees and light winds with a few clouds, a Maui day. Over the next ten days we are expecting increasing winds and hurricane Felicia is moving towards Hawaii but is expected to weaken as it approaches the Big Island. So the forecast for the next ten days is increased winds and rain off and on but still great weather. Keep your fingers crossed for us.
South Maui town center valued at $90M is proceeding - The planned square footage for the Downtown Kihei project remains at 320,000 square feet. Plans for the shopping areas aim to create a place "where people can live, work and shop," and would be where people could go and spend time with their families. Plans call for building approximately 80 residential units above shops with the rental units priced as affordable under Maui County affordable housing guidelines. Part of the design is to have at least one village square, which could be a location for art shows, a farmers market or a Christmas tree display. The complex would not be big-box stores or strip malls.
Maui Tourist Industry Has Changed - The Maui visitor industry changed in 2008, and it will never go back to what is was as discussed at the Maui Visitors Bureau annual marketing meeting. As the world changes we have to adapt and modify our practices to remain competitive to have a robust tourist industry. It is difficult getting people to spend in a dominating Buyer’s market as exists today. The new thrust of promotion is to find travelers who will "engage in the destination, people who will do more when they're here. Hawaii needs visitors who want to go out, do things and engage in the culture. Maui head counts (through May) are down 18.5 percent (13.8 percent for travelers who visit only Maui), occupancy is down 10.9 percent, average daily room rates are down $33, per person per day spending is down 8.4 percent, length of stay is up about 5 percent, but total spending is down 21.7 percent when compared to 2008.
Dine in elegance at Son’z at Swan Court at the Hyatt Regency Maui - Executive Chef Sarmiento spearheaded the culinary efforts at Son’z at Swan Court and they won numerous accolades: one of the “Top Ten New Restaurants in the United States” by Gayot Travel Guide, “Best New Maui Restaurant” by Honolulu Magazine and “Best New Restaurant” by Maui No Ka Oi Magazine. Chef Sarmiento’s philosophy is: “Support the small farmers and agriculture in the islands when creating exciting, innovative menu items for our guests. To make reservations while you are here on vacation at the elegant Hyatt Regency Maui for dining in the tropical splendorof Son’z at Swan Court. call 1-808-667-4506. www.hyattregencymaui.org
Lahaina Dinner Train is back on track - After a two-year vacation, the Sugar Cane Train’s Dinner Train is back and chugging full steam ahead. The menu has been revamped and includes such local fare as fried rice, stir-fried vegetables, sauteed ono and will also feature a Chef Special every week. The authentic hula show features dancers and live musicians from Na Pua O Kapiolani Hula Studio. The Dinner Train departs every Thursday evening from Puukolii Station at 5 p.m. Prices are $59.95 for adults and $45.95 for children. Kama‘aina rates are $54.95 for adults and $39.95 for children. For reservations call 1-808-661-0080 or www.sugarcanetrain.com
Maui Mercedes-Benz dealer celebrates grand opening - At the grand opening there was jazz and champagne. The dealership and service center, which was five years in the making near the junction of Hana Highway and Kaahumanu Avenue. they employ 15 people and have 70 cars on the lot, including some used vehicles. They have sold 45 brand-new cars since opening. This was accomplished with no “Government Bail Out Assistance.”
Hawaii Tourism Authority Deals With New Law - Tourism, Hawaii's No. 1 private industry is suffering more than a year of big drops in the number of tourists and there has been increased scrutiny of the Hawaii Tourism Authority and what the agency is doing to help the industry survive and recover. The state Legislature passed HB 754
Which broadened the scope of access to tourism emergency funds. Lawmakers sought to add additional funds during the second year of an increase in the hotel room tax. It is estimated the increase would be about $7.5 million for the tourism special fund starting July 1, 2010. It is critical that the agency charged with achieving tourism goals separate itself from the agency responsible for measuring how well those goals have been met.
Times to acquire Star Markets - Hawaii-based QSI Inc., the parent company of Times Supermarkets, announced with Star Markets they have executed an agreement for QSI to purchase Star’s seven supermarket locations. The remaining five Star locations will be re-branded as Times Supermarkets, but it will be business as usual for employees and customers. Times Supermarkets was established on Oahu in 1949 by Albert and Wallace Teruya, sons of Okinawan immigrants, to serve Hawaii’s plantation communities. Times and its 1,100 employees run one of the leading supermarket operations in the state with 12 full-service supermarket and pharmacy locations on Oahu. The company also operates two fine wine and specialty foods shops. Tsuenjiro and Mika Fujieki founded Star Markets in 1927 in Kakaako. The company has 540 employees and operates seven grocery stores — four on Oahu, two on Maui and one on Kauai. The Star Market in the West Maui area is across the street from the Mahana, Honua Kai and Kaanapali Shores on the Lower Honoapiilani Road.
Remodeling or Upgrading condominium or house - It is critical to have a licensed contractor and subcontractors with excellent references and experience working with Maui properties if you will be Remodeling or Upgrading a condominium or house Should you need assistance or referrals for a property you own or need an estimate for property you are contemplating purchasing, all Jim Foster on his toll free number 1-888-661-7994 or send him an email to Jim@JamesBFoster.com and we can provide names and contact information as we have contact information for several reputable contractors for both remodeling and new construction.
Furniture Refinishing - Kim Scott aka the Stripper, has been refinishing furniture for vacation rentals in West Maui for over 11yrs. Her shop located at 278 Wili Ko Place #12 in Lahaina features a NIOSH approved open face spray booth for a professional finish. They specialize in faux finishing, painting, powder coating, repairs and restoration of Rattan and hard wood furniture, Kitchen & Bath cabinets, Air conditioning vents & more. Some of their clients include Mind's Eye Interiors, Napili Surf Resort, Chase N Rainbows, Ritz Carlton Club and Marriott Vacation Club. When considering replacing your used furniture this is an alternative to consider. To contact Kim call (808) 283-9664 or you can email her at scottk003@hawaii.rr.com
Medical Facilities on Maui - The Association for Improved Healthcare on Maui (AIHM) 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 the web site for AIHM at www.aihm-maui.org The new organization that is proceeding with Dr. Ron Kwon’s dream of a new hospital in Kihei is www.MalulaniFoundation.org 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 The West Maui Hospital is anticipating completion of the initial development and construction 2012. The construction permit will be applied for once the architect completes the construction plans.
Real Estate & Financial Planning Tips:
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 your 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.
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.
For prospective buyers, it is a good idea to become familiar with the buying process and how it works before you purchase. If you would like a copy of the purchase contract typically used, we can email one to you. A large number of transactions are completed with the purchaser physically located on the mainland and closing documents being emailed or sent via Federal Express. We have prepared information for prospective buyers that explain the process and answers many questions in advance and can provide this information via email.
Most buyers of condominiums use their units for a portion of the year and use a vacation rental management company to manage it for them during the rest of the year when they are off the islands. Understanding how this process works and receiving information from vacation rental management companies prior to purchasing allows buyers to purchase with a lot more confidence than those who are uninformed.
We have also assisted sellers (for sale by owners) who had buyers but needed someone to facilitate the sale and guide them through the process and assure them they were asking a current market value price for their properties.
Many property owners who currently own underperforming assets can sell those assets and take advantage of tax deferred exchanges, turning an underperforming asset such as land into an income producing asset. If you are contemplating selling highly appreciated real estate during 2009 and would like for us to provide an analysis of how to best structure your transaction, please call us Call me or send me an email if you would like additional information at 808-661-7994 or email Jim@JamesBFoster.com
Useful Internet Sites & Interesting DVDs:
Recommended DVDs - Michael Buble’s new DVD and CD Michael Buble Meets Madison Square Garden. Wonderful music, lyrics and a unique perspective of an entertainer that is grounded, treats people with respect and interesting scenes of him interacting with his family. Wonderful entertainment and you will feel great after listening and watching. A wonderful talent!
www.lowcards.com This web site helps you make sense of the credit card rates as they research thousands of credit card offers and rates and rate the best credit cards. They provide a list of the top cards in each of several credit card categories along with an unbiased opinion on every card. In addition they compile the "Complete Credit Card Index" where you will find the current rates of all of the thousand plus credit cards available.
www.asoftwareplus.com/internet-text-speaker.html This web site is fun and once downloaded and installed, you simply highlight any text you see on your internet browser. Then just right click and choose "speak text" and the text is spoken aloud from beginning to end! It's easy to use and gives you a personal reader any time you want to rest your eyes.
www.ratemds.com Go to this web site to let folks know about the good doctors and warn them about the clunkers. Just type in your Doctor's (or Dentist's) name, location and specialty (not all are necessity unless your Doctor has a very common name). Up comes information on the Doctor plus any patient ratings that have been entered regarding knowledge, helpfulness and punctuality. Even the Doctor's staff gets rated.
www.earthcalendar.net If you are traveling this year and want to find out what the holidays and cultural events are at your destination, this web site lists over 200 counties along with a calendar of holidays celebrated there during the year. You can search for holidays and celebrations around the world in several categories including country or by date.
Kindest Regards, Jim Foster
Chase 'N Rainbows Real Estate, Inc.
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.” |
|
