kapalua condos for sale: How to Save for Your Retirement - 01/16/22 04:41 PM
How to Save for Your Retirement Having a student loan payment each month as a college graduate leaves little room in the budget to contribute to a retirement savings account.
College grads without student loans are much more likely to save for retirement. By the time they reach age 30, grads without student loans are predicted to have double the amount saved for retirement as individuals with student loans, according to a study by the Center for Retirement Research at Boston College.
What can those with student loan debt do to fix this?
Pay Your Student Loans First
If you can’t afford to save … (4 comments)

kapalua condos for sale: Growth vs. Value Investing: Know the Differences - 01/16/22 04:37 PM
Growth vs. Value Investing: Know the Differences Your investing style and tolerance for risk can help determine what type of stock mutual funds you invest in. The two main types of funds — growth and value — have different characteristics that can match your investing style.
Owning a mix of both funds is probably a smart move, but it can still be worthwhile to understand how each fund works. Here are some short explanations of growth vs. value funds:
Characteristics
Growth businesses are likely to reinvest profits, instead of paying out dividends to shareholders, as a way to grow. Growth stocks … (0 comments)

kapalua condos for sale: Real Estate Professionals Are Experts at Keeping You Safe When You Sell - 01/10/22 09:22 AM
If you’re on the fence about whether or not you want to sell your house this year, there’s good news. For nearly two years, real estate professionals have worked tirelessly to ensure the safety of buyers and sellers during the pandemic.
Today, they’re seasoned experts, not just in the art of buying and selling homes, but also in how to keep you safe throughout the process. Real estate professionals have learned new technologies plus safety and sanitation measures. As new variants emerge, those lessons continue to be key ways agents add value.
Real Estate Advisors Stay Current on Guidance for In-Person ShowingsAgents don’t leave your health up to chance. … (2 comments)

kapalua condos for sale: Contribute to a 529 College Savings Plan With Gift Cards - 01/09/22 01:10 PM
Contribute to a 529 College Savings Plan With Gift Cards Parents contributing to a 529 college savings plan may find it difficult, if not a little time-consuming, to transfer cash and checks that their children receive on their birthdays, Christmas and other celebrations into the popular college savings fund.
Instead of not knowing if their cash gift is going to pay for college or for a night out on the town, grandparents and others can buy gift cards and have the money deposited in the student’s college savings plan.
The 529 gift cards are used at GiftofCollege.com, a registry for online … (2 comments)

kapalua condos for sale: Retro Colors Make a Comeback: What's Hot in Decor Right Now - 01/07/22 11:01 AM
Retro Colors Make a Comeback: What's Hot in Decor Right Now Everything old is new again, and that goes for decorating with color. While the last decade in home décor has largely been defined by white and varying shades of beige and gray, today’s designers are harking back to yesteryear with paint colors, furniture and even kitchen appliances.
Part art deco, part ‘50s suburban and part ‘60s mod, these awesome retro colors are fresh and refreshed to fit today’s tastes, say the color mavens at Sherwin Williams, whose wall color faves this year include shades of pink, aqua and pale or … (1 comments)

kapalua condos for sale: Financial Priorities for Newlyweds - 01/07/22 10:54 AM
Financial Priorities for Newlyweds Deciding where to live, if you’re going to have children, and who takes out the garbage are some of the big and small decisions newlyweds have to make together after the wedding gifts are put away and they’re ready to start their lives together.
There are also financial decisions to make as a married couple, though they may not be as easy to discuss as who’s making dinner on Sunday nights.
Here are some financial priorities newlyweds should set — together:
Set a budget: A good way to start is by living within your means and setting a … (1 comments)

kapalua condos for sale: Retirement May Be Changing What You Need in a Home - 01/06/22 12:43 PM
The past year and a half brought about significant life changes for many of us. For some, it meant entering retirement earlier than expected. Recent data shows more people retired this year than anticipated. According to the Schwartz Center for Economic Policy Analysis, 2021 saw a retirement boom:
“At least 1.7 million more older workers than expected retired due to the pandemic recession.”
If you’ve recently retired, your home may not fit your new lifestyle. The good news is, you’ve likely built-up significant equity that can fuel your next move. According to the latest Homeowner Equity Insights report from CoreLogic, homeowners gained more than $50,000 in equity over the … (3 comments)

kapalua condos for sale: New Tricks for Old Throwaway Items - 01/06/22 11:06 AM
New Tricks for Old Throwaway Items For many of us, mom’s ‘use-it-up, make-it-last, wear-it-out’ mantra was our introduction to thriftiness—a traditional value that has largely been kicked to the curb due to a more materialistic lifestyle.
But the truth is, most of our common throwaway items have not yet reached their full potential. Here are a few smart re-uses that will help keep junk out of landfills and make our life a little easier:
Banana peel as silver polish. Run the peel through the blender with enough water to make a paste. This makes a great silver polish when applied with a … (2 comments)

kapalua condos for sale: 4 Things Every Renter Needs to Consider - 01/06/22 10:47 AM
4 Things Every Renter Needs to Consider
 
As a renter, you’re constantly faced with the same dilemma: keep renting for another year or purchase a home? Your answer depends on your current situation and future, but there are several benefits to homeownership every renter needs to consider.
Here are a few things you should think about before you settle on renting for another year.
Rents Are Rising QuicklyRent increasing each year isn’t new. Looking back at Census data confirms rental prices have gone up consistently for decades (see graph below): If you’re a renter, you’re faced with payments that continue to climb each year. Realtor.com recently shared the Rental Report, and it shows price … (1 comments)

kapalua condos for sale: How to Choose the Best Houseplants - 01/05/22 11:08 AM
How to Choose the Best Houseplants Just like picking paint and furniture, it’s important to spend time choosing the best plants for your interior space. Not only should you be considering the care your new plant friends will need, but also how they will impact your space as they grow to their full forms. Below are several tips for picking the best houseplants.
Understand sun exposure. The quickest way to shrivel a houseplant is by giving it the improper amount of sunshine. Take the time to get to know the sunniest and shadies areas of your interior, and pick plants that … (1 comments)

kapalua condos for sale: Avoid the Rental Trap in 2022 - 01/04/22 09:53 AM
Are you one of the many renters thinking about where you’ll live the next time your lease is up? Before you decide whether to look for a new house or another apartment, it’s important to understand the true costs of renting in 2022.
As a renter, you should know rents have been rising since 1988 (see graph below):
In 2021, rents grew dramatically. According to ApartmentList.com, since January 2021:
“. . . the national median rent has increased by a staggering 17.8 percent. To put that in context, rent growth from January to November averaged just 2.6 percent in the pre-pandemic years from 2017-2019.”
That increase in 2021 was far greater than … (2 comments)

kapalua condos for sale: Buyers Will Get Creative: The Rate of Home-Price Growth Is Slowing, but Buyers Can’t Catch a Break - 01/03/22 12:03 PM
The numbers: Home-price growth continues to decelerateFor the third consecutive month, home-price appreciation occurred at a slower pace, according to a major price barometer released Tuesday, reinforcing the notion that the housing market is cooling after over a year of frenzied sales.
The S&P CoreLogic Case-Shiller 20-city price index posted a 18.4% year-over-year gain in October, down from 19.1% the previous month. On a monthly basis, the index increased 0.8% between September and October.
What happened The separate national index from the Case-Shiller report showed a 19.1% annual gain, down from a 19.7% increase in September. While lower on the monthly basis, this … (1 comments)

kapalua condos for sale: Top 3 Myths About Today’s Real Estate Market - 12/30/21 10:36 PM
There are many conflicting headlines when it comes to describing today’s real estate market. Some are making comparisons to the market we experienced 10 years ago and are starting to believe that we may be doomed to repeat ourselves. Others are just plain wrong when it comes to what it takes to qualify for a mortgage.
Today, we want to try and clear the air by shedding some light on what’s causing some of these headlines, as well as what’s truly going on.
Myth #1: We Are Headed for Another Housing BubbleHome prices have appreciated year-over-year for the last 76 straight months. Many areas … (1 comments)

kapalua condos for sale: This Isn’t a Bubble. It’s Simply Lack of Supply. - 12/30/21 10:30 PM
Some Highlights
In a recent article, Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), discussed the state of today’s housing market. When addressing whether or not today’s high buyer competition and rising home prices are evidence of a housing bubble, Yun said that this “is not a bubble. It is simply lack of supply.” Today’s housing market is healthy, and rising prices are driven by real buyer demand. Let’s connect to talk about the best ways to navigate such an energetic market. … (1 comments)

kapalua condos for sale: Your Journey to Homeownership - 12/30/21 10:21 PM
Some Highlights
When it comes to buying a home, there are a number of key milestones along the way. The process includes everything from building your team and understanding your finances to going house hunting, making an offer, and more. When you’re ready to start your journey, let’s connect so you have trusted guidance at every milestone in the process. … (2 comments)

kapalua condos for sale: Tips for Single Homebuyers: How To Make Your Dream a Reality - 12/30/21 10:13 PM
If you’re living on your own and looking to buy a home, know that you can make your dream a reality with thoughtful planning and the right team of experts. Research from Freddie Mac shows 28% of all households (36.1 million) are sole-person, and that number is growing. Over the past 40 years, the number of sole-person households has nearly doubled, and that’s a trend that’s expected to continue. According to Freddie Mac:
“Our calculation suggests that there will be an additional 5 million sole-person households in the United States by the next decade. This means 42% of the household growth will be contributed by sole-person households, . . .”
If you fall … (1 comments)

kapalua condos for sale: A Happy Tail: Pets and the Homebuying Process - 12/30/21 09:57 PM
Some Highlights
It’s no secret that we love our furry friends – about 70% of U.S. householdshave pets. What may come as a surprise is how large a role they play in the homebuying process. Americans spend$1,163 a year on their pets, and nearly half of pet owners say they would move for better accommodations and amenities for their pets. If you’re thinking of adding a furry friend, or if you already have, let’s connect to discuss how you can find a home that meets all your pet’s needs.  
… (2 comments)

kapalua condos for sale: Homebuyers: Be Ready To Act This Spring - 12/30/21 02:38 PM
To succeed as a buyer in today’s market, it’s important to understand which market trends will have the greatest impact on your home search. Danielle Hale, Chief Economist at realtor.com, says there are two factors every buyer should keep their eyes on:
“Going forward, the conditions buyers face are primarily dependent on two things: mortgage rates and housing supply.”
Here’s a look at each one.
Mortgage Rates Projected To Rise in 2022As a buyer, your interest rate directly impacts how much you’ll pay on your monthly mortgage when you purchase a home. Rates are beginning to rise, and experts forecast they’ll continue going up in 2022 (see graph below):As the graph shows, … (2 comments)

kapalua condos for sale: Don’t Tackle Selling Your Home on Your Own - 12/03/21 12:23 PM
Don’t Tackle Selling Your Home on Your Own – an Agent Can Help
If you’re looking to maximize your sale and minimize your effort, you need to work with a real estate professional. In a sellers’ market like today’s, it can be tempting to list your house on your own – known as For Sale By Owner (FSBO). But the truth is, a real estate professional can save you time and money by managing every step of the process, from pricing your home to reviewing documents and handling negotiations.
Before you decide to sell your house on your own, here are five reasons why working with an agent is … (1 comments)