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February, 2009 - Newsletter for the Maui Market
Aloha! Here is your eNewsletter for the Maui Market from Jim Foster
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Make sure you check out the Useful Internet Sites and Real Estate Tips at the end of this newsletter which includes some valuable information on Tax Deferred Exchanges, Replacement Property and Net Proceeds Statements.
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 – Contrary to what is heard often in the market place there are buyers, many are waiting on the side-line trying to anticipate the bottom of the market but there are also many buyers in the market to purchase well located property that are priced aggressively. Sellers who are motivated to sell and willing to negotiate with buyers at realistic values can find buyers in the current market.
We conducted an Open House at one property last week and there were 34 people that came through to view the property and the following day the number dropped to 4.
Maui is a special place and people continue to have an interest in buying here.
There is funding available for buyers who require loans but the down payment typically needs to be in the 25% to 30% range and the buyers require excellent credit.
Maui real estate in the time period from 2001 to 6006 had a spectacular increase because the market was racing ahead so fast, as much as 25 percent in a year. Now a lot of that gain has been given back but there are places where it hasn't gone down much at all.
However condominiums in some of the large condominium projects are showing big price drops, plenty of short or distressed sales and many developers in new developments are slashing asking prices.
Maui real estate prices haven't crashed but the market has sort of gone to sleep.
The number of sales is way down from 2007, 21 percent for single-family and 34 percent for condos. The decline is startling when contrasted with the peak in 2005, especially for condos. There were 2,050 condo closings that year. In 2008, only 788 condo closings. There were 1,187 condo closings in 2007. For single-family sales, the peak in 2005 was 1,316, 1,142 sales in 2007 and in 2008, only 907. The dollar total of residential real estate changing hands in 2008 was just under $1.5 billion, while in 2007 it was more than $2 billion.
The average single-family price dropped 10 percent last year, to $831,424. Just half of all single-family sales, 448, occurred in Central Maui, where the average price also dropped 10 percent, to $483,792. However, a large fraction of those 448 sales, 103, closed at subsidized prices at Spencer Homes' Waikapu Gardens, which accounted for 178 closings, or almost one in five during the year. Those 103 closings were far below island averages. The affordable homes were priced from $225,000, but with upgrades some were sold for as much as $300,000.
In Kihei, a much smaller market with only 140 sales last year, average prices fell only 1 percent, to $797,131. In Kula and in Lahaina, single-family prices jumped 9 percent, to $1.1 million in Kula-Ulupalakua-Kanaio and to $1.8 million in Lahaina.
While the number of single-family closings in Maui County was 235 fewer, the number of condo closings was 399 fewer.
In several development projects, there are a number of lawsuits by buyers trying to overturn sales agreements signed before construction was completed and before values slumped.
The biggest area for condos is Kihei, with 307 transactions. In Kihei, the average price was almost unchanged at $475,416, and the median dropped 7 percent to $395,000.
Foreclosure notices are piling up and buyers of foreclosed or distressed homes may end up with a smaller bargain than they thought. These purchases require "more hurdles to leap and more time (often many months) to close so the Buyers need to be prepared. It is a buyer's market and a great time to buy and hold because prices have declined considerably in the past two to three years. Buyers waiting for the bottom of the market may also miss unique buy opportunities. Remember, there is no bell that rings when the market hits the bottom.
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 757 (at 2-2-09) and on the same month in 2007 it was 559. 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; and in February, 2009 there were 757 Condos with the total value of $709,234,346.
The condominium for sale inventory since July, 2005 has been as low as 165 and is up to 757 for February 2, 2009. The “for sale” inventory on West Maui continues to increase.
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.
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 $16,184,800.00; 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 17 sales and the total value was $12,880,000.00.
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 $271,290,428.00; and in 2008, - 193 condominium units sold in the West Maui area for a total sales value of $147,648,505.00.
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 1/1/2008 to 12/31/2008 the average price for a home on Maui was $831,424 which is down 10% for the time period of 1/1/07 to 12/31/07 when the average price was $919,942. For the same time period the average price for a Fee Simple condo on Maui was $959,384 which is up 15% for the same time period when the average price was $832,724 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 February 5, 2009 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 4.875% 30yr fixed 1.75 pts (5.112 APR) 5.125% 30yr fixed 1.25 pt (5.320 APR) 5.375% 30yr fixed 1.00 pts (5.550 APR) Stated Income - No longer available: Interest Only: 6.375% 30yr fixed 1.125 pts (6.554 APR) To $1M: 7.375% 30yr fixed 1.00 pt (7.487 APR) 6.50% 30 yr fixed 1.50 points for condotels.(6.737 APR) (Points include origination fee)
Mortgage Rates for week of January 5, 2009 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 4.625% 30yr fixed 1.625 pts (4.848 APR) 4.875% 30yr fixed 1.00 pt (5.045 APR) 5.250% 30yr fixed .25 pts (5.355 APR) No Stated Income Available: Interest Only: 5.875% 30yr fixed .50 pts (6.008 APR) To $1M: 5.500% 30yr fixed 1.00 pt (5.60 APR) 5.75% 30 yr fixed .50 points for condotels.(5.882 APR) (Points include origination fee)
Mortgage Rates for week of December 5, 2008 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 5.250% 30 yr fixed 1.00 pt (5.430 APR) 5.500% 30 yr fixed .625 pts (5.648 APR) 5.875% 30 yr fixed No Points (5.968 APR) Stated Income: 6.125% 30 yr fixed 1.375 pts (6.344 APR) 5.875% 15 yr fixed 1.375 pts (6.237 APR) Interest Only: 6.875% 30 yr fixed 1.625 pts (7.118 APR) To $1M: 6.125% 30 yr fixed 1.125 pts (6.337 APR) 6.125% 30 yr fixed 1.625 points for condotels.(6.369 APR) (Points include origination fee)
Mortgage Rates for week of November 1, 2008 - from First Hawaiian Mortgage - Rates: Houses & Condos Full docs: 6.25% 30yr fixed 1.6.25 pts (6.425 APR) 6.5% 30yr fixed .625 pt (6.580 APR) 6.75% 30yr fixed No Points (6.77 APR) Stated Income: 7.735% 30yr fixed 1.0 pt (7.498 APR) 6.75% 15yr fixed 1.0 pt (6.869 APR) Interest Only: 7.25% 30yr fixed 1.0 pt (7.367 APR) 7.375% 30yr fixed 0.50 points (7.444 APR) To $1M: 7.25% 30yr fixed .50 Points (7.318 APR) for condotels 7% 30 yr fixed 1.5 points (7.163 APR) 7.250% 30 yr fixed 0.75 pt (7.342 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, February 5, 2009, it is about 79 degrees and beautiful, sunny weather with a few clouds. Over the next ten days we are expecting sunshine, occasional showers and clouds and sunshine.
Gentle and steady rainfall for Maui – Recent weather brought a slow, steady rain, instead of a downpour, just what Maui County needs. The light-to-moderate rainfall does a good amount of work to push back the drought conditions.
Lahaina Gateway has a new tenant Urgent care medical clinic - It offers full-service medical care, a pharmacy and lab. This new facility will provide relief for acute care needs of residents and visitors on the West Side. Dr. Sean Gupton, chief medical officer (CMO), is a double board certified physician in the U.S. and Canada. His specialty is in the area of family practice, with over ten years of experience in emergency room medicine and urgent care, and he earned a Master’s Degree in Medical Management.
This urgent care clinic is not comparable to a hospital emergency room. Urgent care is the first line of treatment for everything except life-threatening emergencies (in those cases, call 911 immediately). If more immediate care is needed, Dr. Gupton will evaluate, stabilize, and with the help of paramedics, prepare the person for transport to the emergency room at Maui Memorial Medical Center. The clinic is open from 10 a.m. to 10 p.m. They are located at Lahaina Gateway, 305 Keawe St., Suite 507. For more information, call 667-6161 or visit www.minit-medical.com
Lawsuit Filed by Twelve Buyers at Honua Kai for refund – In December three buyers filed complaints in the 2nd Circuit Court and an additional nine buyers have followed seeking refunds from Intrawest who has not yet responded according to the attorney representing, Richard Rost. The total of deposits he is seeking to recover is about $4 million, with the possibility of recovering treble damages if the plaintiffs succeed in their claims that Intrawest companies failed to comply with state laws governing condominium sales. Buyers were also surprised to find that if they put their units in a rental pool but did not choose an Intrawest-related company as manager, their guests would be denied use of common areas. State law says condos cannot prevent access by owners.
TAT revenue on track to cover Budget Plan – The first half of Maui County's transient accommodations tax revenue was $11.1 million, or a little more than half of the county's budgeted annual amount of $21.9 million. If the county can produce the same for the last six months (of the fiscal year), they can at least meet revenue expectations in 2009 for TAT. The state government collects the tax on hotel room revenue and distributes a portion of the money to the counties.
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
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.
Mokulele Airline moves up jet service to Kahului - Mokulele Airlines says it will start offering jet service to Maui's Kahului Airport from Lihue and Honolulu a month earlier than expected, by February 1, 2009. Mokulele will continue servicing its Honolulu-Kapalua route with Cessna propeller aircraft. The carrier will start using Embraer jets on its Kahului route. Tickets are now being sold for Mokulele which is the newest interisland jet carrier, joining Hawaiian Airlines and Mesa Air Group's “GO!” The web site for the airlines is www.mokuleleairlines.com
Maui Land and Pineapple (ML&P) locates new lenders - Construction did not stop at the Residences at Kapalua Bay after one of its major lenders, Lehman Brothers, declared bankruptcy in September. Now, Maui Land & Pineapple Co. and its partners in the $370 million project have an agreement to restructure financing, including $55 million from two German banks to replace what Lehman would have provided. The deal must be approved by the U.S. Bankruptcy Court in New York. The restructuring of $120 million to complete the $370 million project will need the approval of the U.S. Bankruptcy Court in Manhattan, N.Y. But the unsecured creditors have stipulated to the deal, so it likely will be approved Jan. 28, when the matter will be heard. This means the luxury project should finish on time at midyear. How fast units then will sell remains uncertain.
In the restructuring, Central Pacific Bank will become the administrative agent for the new loan package. CPB is a $20 million participant, and it funded the first pulse of the construction. The project, which occupies the site of the former Kapalua Bay Hotel, will have 146 residences, 84 to be sold individually as The Ritz-Carlton Residences, and the remainder as fractions in The Ritz-Carlton Club.
A New Mercedes-Benz Dealership Will Open on Maui - Mercedes-Benz of Honolulu will open Mercedes-Benz of Maui on March 2, 2009, right in the middle of the biggest auto sales slump in about three decades. The dealership will have 12 to 15 employees. In Hawaii, the C-class is the best-selling Mercedes, with the ML SUV also popular. The company will shortly introduce a smaller sport utility vehicle, the GLK, with a price in the high $30,000 range, which Jones expects will find favor in the islands. The company also is opening a 20,000-square-foot two-story speculative office building on its lot at the Hobron triangle which will share the lot with the Mercedes-Benz of Maui dealership.
Court asked to allow beach weddings - Maui wedding planners have gone to federal court to seek to enforce a 2001 agreement that prevented the state Department of Land and Natural Resources from requiring permits for beach weddings. Another claim says wedding organizers are not getting equal protection of the laws because they are treated differently from individuals or organizations engaged in other similar or different types of protected expressive activities. The suits asks the court to enjoin the state from continued breaches of the settlement agreement, for a declaration that the agreement stands and that the permit process violated constitutional rights. It also seeks the award of attorney's fees.
Buckle Up Hawaii May Face Its Deepest Recession - The Council on Revenues issued a forecast that downgraded revenue growth projections for 2009 and 2010. It is expected that an additional $250 million will have to be sliced from state spending over the next 18 months. It is projected that state revenues will decline by 3% during the current fiscal year that ends on June 30, 2009 and that will be the worst of it. The good news is that cheaper airline tickets may attract more tourists to the state than expected. Significant job cuts are expected to continue in Hawaii's hospitality and retail sectors.
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. A bill was introduced on the opening day of legislature by Jan Shields and its purpose is to eliminate the requirement of the Certificate of Need (CON) in the state of Hawaii. For more information on making a contribution to this great cause, please visit the web site for AIHM at www.aihm-maui.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
Real Estate & Financial Planning Tips:
Short Sale - The new term in the Real Estate Market place is “Short Sale” and it can be a very frustrating process. The Short Sale typically requires the lender who has a loan on a property to agree to accept less than the loan amount for the property owner when the property is sold. The Short Sale is a very complicated process and is similar to loan modifications that can be accomplished even though the property is not being sold but the current property owners cannot continue paying the monthly mortgage.
In a short sale, the seller owes more on his mortgage than he expects to get from a buyer, which means the lender has to be prepared to release the lien without an expectation of getting full repayment.
Unfortunately most lenders will not discuss loan modifications with a borrower until they discontinue making the mortgage payment for three months or so. Borrowers have to provide a complete submission package including their current financial statement, two years tax returns, a hardship letter and a valuation letter for their property. The average time now for Short Sales to obtain lender approval is 70 days or longer. When a Buyer submits an offer there may be other offers and the Buyer may have a period of time with other offers being submitted on the same property before they now if the lender is going to accept their offer. Some lenders depending on the circumstances have agreed to take 40% to 60% of the loan value but again it depends on the circumstances.
Property owners considering a Short Sale or Loan Modification need to be very cautious and deal only with reputable company where the credentials and references can be checked as there are many scam operations that do NOT perform.
Homeowners can negotiate their own mortgage payments for free. There is also a city program, a county program and a state program where free counseling is available on how to talk to the lender, and counselors will do it for homeowners for free. There are nationwide programs that provide free counseling to distressed homeowners, too.
Legitimate programs to help distressed homeowners are cropping up all over, but not as quickly as the scams are.
Bank Owned, often referred to as REO property is generally much easier to purchase and faster. The bank or lender has already foreclosed or received a Deed-in-lieu of foreclosure and will typically have the property realistically priced to sell and will accept offers for less than the listed price.
Life Income Funds of America (LIFA) are a series of pooled income funds that behave like the charitable cousin of a mutual fund providing a simple and cost effective alternative to a charitable remainder trust (CRT). A pooled income fund gathers charitable contributions, liquidates those assets (tax-free) and reinvests the proceeds to provide income during the lifetime of the income beneficiaries. LIFA constructs portfolios that meet the objectives of four pools utilizing a "fund-of-funds" approach. A combination of third-party mutual funds are selected, along with separate account managers, for each of the Life Income Funds from those with a reputable, demonstrated and disciplined investment process. To view information regarding this concept you can to this web site https://www.weltonstreet.com/Nonprofits.aspx
In past newsletters, I have mentioned that the easiest way to minimize the tax impact when selling is a tax deferred exchange. 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) that qualify for replacement properties.
If you want to learn more about Tenant In Common (TIC) interests and how they can solve the problem of sellers trying to complete a tax deferred exchange here is a web site that you can visit for a short and informative explanation of the process and how it can benefit you. www.ticstrategy.com
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. Call me or send me an email if you would like additional information at 808-661-7994 or email Jim@JamesBFoster.com
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 at 1-888-661-7994 or send us and email at Jim@JamesBFoster.com
Useful Internet Sites:
www.speed.io/index_en.html Want to know the speed of your internet connection? Here‘s an easy way to quickly tell how fast your connection really is. This web site doesn’t require you to install any software and has an attractive easy to understand layout. Just go here and click “Start Speedtest”. They quickly analyze your broadband internet access by measuring your download and upload speeds – plus some more exotic measurements.
www.awesomehighlighter.com How often have you wanted to easily send a friend or associate a copy of a web page and highlight the important parts so it’s easy to make your point? Using this web site you simply visit their highlighter page, enter a web page address and use their simple highlighting tool to select the text you want to emphasize. Once done they give you a small link to the highlighted page that you can send along with your comments.
www.pharmacychecker.com If you are concerned about the cost of prescription medication, visit this web site run by an independent American consumer research group that provides free ratings and price comparisons for more than 40 online pharmacies based mainly in the United States and Canada. The online pharmacies are rated on a scale of 1 to 5 and indicate whether a pharmacy is licensed, requires a prescription, provides its address and phone number and offers personal privacy and payment security. Prices are compared for over 1,000 drugs at these pharmacies and provides details on shipping fees and delivery times. The prices for identical drugs vary widely offering you a chance to evaluate the pharmacies and often save significantly.
www.frengly.com This is an excellent site for those needing language translation. This web site translator is easy to use. Even though it’s in Beta, it works well and you can enter text and easily look at translations into any one or all of 27 languages.
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
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