CasaGuam Vol. 6 Issue 5

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GUAM ASSOCIATION OF REALTORS®The Voice for Real Estate on GuamSuite 236A Julale Center424 West O'Brien Drive, Hagatna, Guam 96910Office: (671) 477-4271 • Fax: (671) 477-4275

May 2013 • Vol. 6 • No. 05

D e p a r t m e n t s

4 Market ReportMLS Residential Rental

Activity 2010-2012 and

Active Listings

8 FeatureRenting vs. Buying

Which option is best for you?

12 ProfilePatrick Supple

Accidental Career

Turns Into Love

16 How to D.I.Y.Natural Air Fresheners

18 From the ExpertsWhat is Not Covered

Under Your Homeowners

policy?

20 Curb AppealRain Water -

Harvest It. Recycle It.

22 One More ThingNew 3.8% Tax on

Real Estate Transactions

25 Who Ya Gonna Call?

26 Classifieds

28 ClosingGuam Association

of REALTORS®

FAQs about The “Do-Not-Call”

Registry Part II

M e s s a g e F r o m G A R

CasaGuam is Published by:

P.O. Box 24881 Barrigada, GU 96921Tel: (671) 472-3495 | Fax: (671) 472-3498

email: [email protected]

CasaGuam Advertising DisclaimerAll Advertisers agree to hold the publisher harmless and indemnify it against any and all claims, losses, liabilities, damages, costs and expenses (including attorney’s fees) made against or incurred by the publisher, officers or employees with respect to, or arising out of, the content, text,graphics or representations of any ad published herein, including but not limited to the sole negligence and/or fault of the publisher. The publisher is not liable for any claims, losses or damages of any kind, arising from the wording, text, graphics or representations of any ad publishedherein, or the condition of the articles sold through the publication, or performance of services advertised in this publication. All advertising and/or performance of services advertising and/or submissions become wholly the property of CasaGuam Magazine. CasaGuamMagazine is a registered trademark of PTI Pacifica Inc. Copyright © 2008. All rights reserved. Reproduction in whole or in part in any form without the express writ ten consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo forpromotional use.

|Publisher|

|Business Sales Manager|

Jay-R S. Dominguez

|Display Advertising|

Jennifer Santos

|Traffic/Circulation Manager|

Josie Redmond

|Production Manager|

Mark S. Burke

|Graphics & Layout|

Mark S. Burke

Edwin E. Valencia

|Editorial Contributors|

Faye Varias Creative Services

Clare Delgado

Siska Hutapea

Peggy Araullo Llagas

Bryan J.C. Sualog

Arlene Taitague Taitingfong

Kim Anderson Young

Cover Photo: Makoto Yamanoi

CONTENTSMessagefrom thePresident

By Clare Delgado2013 President,

Guam Association of REALTORS®10SHOPPING FOR PROPERTIES

ONLINE…CALL A REALTOR® FIRST!Homeownership is a dream we all share. It’s part of the threebasic necessities in addition to food and clothing. But with therising costs of owning or renting a home along with achallenging economy, it may appear that pursuing that dreammay be harder to attain. With that thought, we shop around,negotiate the best deal and hopefully get themost bang for ourbuck.

Nowadays, looking for properties can be as easy as the click ofa computer mouse. Most homes for sale or rent can be foundonline in various websites. Many of us know the benefits oflooking of properties online in that you can search forproperties anywhere and anytime. As you browse the listings,you could also see where the property is located, take a phototour and calculate how much you can afford. There are manywebsites that advertise property listings. Websites such asCraigslist for example offers a section devoted to real estatelistings.

But while we are searching for the best bang for our buck, weneed to remember that there are certain things we need to beaware of. When considering buying or renting property froman online source, take care that you are aware of whom you aredealing with. Part of being prudent is to know how to avoidonline scams. Always deal with someone locally. Your favoriteREALTOR® is local and will meet with you on a one to onebasis. They can personally show you homes and negotiate thebest price and terms for you. Secondly, it is highlyrecommended never to wiremoney to secure a property, unlessyou know the credibility of the recipient. Your localREALTOR® will ensure your deposit is safe and secure ineither escrow or their company trust account. You can havepeace of mind knowing where your hard earned money isdeposited.

It’s important to note that Craigslist does not participate inany transactions and also offers suggestions on avoiding scams.Your favorite and local REALTOR® though, can help you findthe perfect place that you can call home. They will work hardto protect your deposit and ensure the keys to your home aresafely delivered directly to you. Your REALTOR® is also oneof your biggest advocates. They will protect your interests andstrive to see to it that your dream of homeownership can alsobe as easy as a mouse click away. REALTORS® adhere to astrict code of ethics and are the ideal professional to help youin your pursuit of the dream of homeownership. Call yourREALTOR® now!

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M a r k e t R e p o r t

MLS Residential Rental Activity 2010-2012 and Active Listings



M a r k e t R e p o r t


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F e a t u r e

8 C a s a G u a m M a y 2 0 1 3

Are you new to the island? Is it time tofinallymove out ofmomand dad’s house?Or areyou just looking for a new place to live? One ofthe dilemmas you may be facing is whether torent or buy. That depends entirely on whatyour circumstances are, says KishinAdvani,CIPS, CRS, and Realtor for the RealEstate Professionals.


F e a t u r e

“At this point in time, this month and last month, it’s been busy withrentals. A lot of rentals are being snatched up and the prices rangefrom $1,980 to $2,450 or higher,” he says. “I was talking to one ofthe housing inspectors -- even up on base they’re giving them anoption to rent a house or condo.”Whereas last year enlistedmen andwomen would have to move into base housing.

“There have been a bunch of people out there looking for rentalproperties. Sales have been relatively slow although interest rates arelow.Not everyone is interested in purchasing. Servicemembers whoare only here for two to three years, what they do when they need toleave? They don’t know what the market will be like.”

With real estate prices dropping and very attractive interest rates, it’sdefinitely a buyer’s market but Advani says that before making bigcommitments you need to evaluate your needs and limitations.

Like everything else, there are many pros and cons to both purchas-ing a home and renting one. By purchasing a home you build equity,he says. “A home you purchased for $200,000 can go to $250,000depending on the market.” There are also tax advantages, mortgageinterest rates are tax deductible, he says. Payments are also stable.Your insurance premium may change but for the most part yourmonthly payments are stable. If you’re renting, what you pay in rentcould go up or down once your contract is up.

Themost important thing is that you’re themaster of your property,Advani says. “You can decorate the way you like – extend, expand,renovate. The property will appreciate and you build more equity.There’s also the sense of community. When you buy a property youget to know your neighbors. Kids get to know each other.”

When you sign a contract renting an apartment, it may come withcertain restrictions. “Landlords have certain house rules in place.

Typically when we submit a lease agreement it indicates how manypeople are staying in the apartment of if the tenant has a guest, howlong they can stay,” Advani says.

On the downside, when you own your own house, you have tomaintain it. You’re in charge of maintenance costs, Advani says. Ifyou’re a tenant, you report anything that needs repaired to the land-lord. “If you have no time for upkeep or maintenance, you’re betteroff just renting a place.”

“If you own a house and want to pick up and relocate, it’s hard to dothat unless you know that you want to keep your house and put it upfor rent. There’s also no guarantee that the market will go up.”

Advani says under certain circumstances, he would recommendrenting a home over purchasing. People with credit issues who can’tbuy ormeet financial issues, it can be hard to get financing. “They’rebetter off leasing a house or renting a place.” If you’re a servicemember stationed onGuam for only a few years, “and you know thatit’s highly unlikely themarket will change and you can sell your houseand recoup costs. If they’re her for that short term, rent a house.”

Other factors to take into account are if you’re new to the island oryou’re not familiar with themarket. He suggests you rent for a whileuntil you do familiarize yourself with the market and you knowwhich way the market is going.

When looking to rent, Advani has these helpful tips. “First andforemost know what’s out there. See what’s available in your pricerange. If I have a job in Tumon, I want to stay close to the village,” hesays. “Shop and compare. The more you look at the moreknowledgeable you become. From there go through the process ofelimination.”

Renting vs. BuyingWhich option is best for you?


By Bryan J.C. Sualog


O n T h e C o v e r

Fully Renovated 3 Bedroom with Japanese Sensitivity

PiaMarine in Upper Tumon is conveniently located, overlooking Tumon Bay! There are largeexecutive studios, renovated two and three bedroom units, available completely furnished or un-furnished. Some wonderful common area amenities include: pool, back- up generator, work outroom, mail delivery, large balconies, security guard, on site restaurant, lobby, playground, BBQarea, tennis courts, and so muchmore!!

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Accidental Career Turns Into Love

SSome know what career they want at an early age but many peoplediscover what they love accidentally. The latter was the case for PatrickSupple.Supple moved to Guam in 1984 after graduating from high school. He

worked in the tourism industry and after a couple years he moved to Japanto study.When he finished he returned to work inGuam’s tourism industryuntil 1993 when he switched career paths but it wasn’t into the real estateindustry. He opened his own photography company. “I still do Christmas(SantaClause) photos and Easter bunny photos for themalls here inGuam.”

It wasn’t until Supple purchased some fixer uppers with a friend andrenovated and sold them that he first got a taste of the real estate industry.“The renovation process was a real eye opener and a great learning experi-ence and becoming a Realtor® was a natural progression,” Supple says. “Ibecame a Realtor in 2006 and have done real estate full time since then.”No matter what Supple does he always strives to provide the best service

and results possible, “to take the steps that go beyond the norm. I want eachand every person that I deal with to recommend my services.” In order toprovide that service Supple makes sure to stay up to date on the latest thingsgoing on in the real estate industry and further his education by taking realestate related courses.One of Supple’s fondest memories as a Realtor® was helping a friend’s

mother who had a bad experience with her previous agent. “When Iwas justgetting started a close friend’s mother was in the process of relocating offisland due to health issues,” he says. Because of her bad experience she wassuspect of all Realtors. “I told her I wanted to be her first good experiencewith a real estate professional and I had her home sold within six weeks. Shewas extremely happy and it was a great experience helping her.”In order to avoid bad experiences, like his friend’s mother, Supple urges

customers to do their research and use an experienced real estate professionalwith all real estate transactions. They can guide customers through theprocess of buying, selling or renting a property.“Real estate has its own language and it is important that you have

someone that understands and can explain every aspect of a transaction toyou,” he says. “If you do not have a Realtor®, ask friends, family or coworkersto recommend a good agent to you. Interview a few agents and ask abouttheir experience and choose an agent you are comfortable with.”Supple says almost every deal has challenges that must be overcome but it

is his job to ensure that his clients are getting the best possible deal and iscompletely informed throughout the entire process.“I learn something with each and every process,” he says.“Guam has been my home since 1984 and it is a great place to live and

raise a family. I enjoyworking for andwith the people here and look forwardto a future serving the island.”

P r o f i l e

I think Casa Guam is a great magazine. It not only keeps thegeneral public up to date on what is out there for them to buyor rent, but gives great tips on the buying and selling process.

“

“

Patrick SuppleREALTOR®,

THE REAL ESTATE PROFESSONALS

Family: Maria, wife; Erica (14), daughter; sons Noah (12) and Patrick Luke (7)

By Bryan J.C. Sualog



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C a s a G u a m . c o m 1 5


LLooking for a way tomake your home smell goodbut don’t want to spend bucketloads on chemicalladen products? Check out these home solutions.

Easy Baking Soda Air Freshenerhttp://smashedpeasandcarrots.blogspot.com/

1/2 cup baking soda (per jar)Essential oil of your preference (8-12 drops)Mason jar (I love the 8 oz wide mouth Elite Col-lection for these!)Scrapbook paperTapestry needleScissors and pen

Grab some scrapbook paper and trace the lid part(not the ring part) onto it with a pen or marker.Then just cut out your circle. Then grab yourtapestry needle, it's one of those long needlessimilar to an embroidery needle (which wouldprobably work just as well!). It has a large eye.Then go to town punching the needle all over thescrapbook paper. You are basically making a wayfor the pretty essential oil smells to waft through-out your home. Then pour about 1/2 cup ofbaking soda into the mason jar and add in 8-12

drops of essential oil of your choice. Start off byadding less oil and if you find it's not strongenough to scent your room add in a bit more. Abigger room will need more oil and a smallerroom like a bathroom will use less. Place thescrapbook paper inside the mason jar ring andtighten it onto the jar. Gently shake up thebaking soda/essential oil mixture and there yougo...presto!

DIY AromaDiffuserhttp://www.younghouselove.com/

One pack of $1 skewers from the grocery storeAn old vaseYummy smelling liquid

You can clip the skewers to the right length usinga wire cutter if they seem a bit long. And you canfind a big bottle of fragrance oil at any dollar storeso this whole project (which also makes a greatgift) can easily come in under $5. It might soundweird to put soap in a vase and call it a roomfragrance, but the naturally scented essential oilsin the cleaning solution lightly scent the air for arefreshing grassy-lemon smell that’s pretty close

to intoxicatingwithout having toworry about anytoxins.

Gel Air Freshener Tutorial at DelightfulCountry Cookin’http://www.delightfulcountrycookin.com/

To make these little beauties, you first need aheat-proof jars, food coloring colors of yourchoice, and essential oil. Into each jar, drop a fewdrops of food coloring. Then, put in about 30drops of essential oil, give or take. The moreessential oil you put in, the stronger the smell.Gather up four envelopes of unflavored gelatin, atablespoon of salt, and two cups of cold water.Why salt? Salt (or vodka) apparently help to keepthe gel from molding. Interesting fact, isn't it?Get one cup of water boiling on the stove. Whenit begins to boil, whisk in the gelatin, stirring untilit's all dissolved. Then, pour in the other cup ofcold water and the salt, stirring until the salt isdissolved. Quickly pour the hot gelatin mixturein each of your jars, and then use a disposablestick or spoon to stir it into the oil and foodcoloring. Let these gel overnight, and then voila!Air freshener!

Natural Air Fresheners

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H o w T o D . I . Y .

By Faye Varias




Many of the insurance companies onGuamuse homeowner policy forms that listthe types of losses that are covered. Themost common causes of loss (perils) thatyou will find on your policy are as follows:

1. Fire or lightning2. Windstorm or hail3. Explosion4. Riot or civil commotion5. Damage caused by aircraft6. Damage caused by vehicles7. Smoke8. Vandalism or malicious mischief9. Theft10. Volcanic eruption11. Falling objects12. Weight of ice, snow or sleet which causes damage to a building13. Accidental discharge or overflow of water or steam from within a

plumbing, heating, air conditioning or automatic fire-protective sprinklersystem or from a household appliance

14. Sudden and accidental tearing apart, cracking, burning or bulging of asteam or hot water heating system or an air conditioning or automatic fire-protective system

15. Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system or of a household appliance

16. Sudden and accidental damage from artificially generated electrical current(does not include loss to a tube, transistor or similar electronic component)

17. Earthquake is not usually listed in this area, but is added in bymeans of an“endorsement” or change to the policy on a separate page.

So, if a vehicle (not owned by you) collided with your fence and causeddamage, it would be covered because “damage caused by vehicles” is listed as a“peril insured against” or covered cause of loss.While terrorist attacks are not specifically referenced inGuam's standard home-

owners policy, damage due to explosion, fire, and smoke - the likely causes ofdamage in a terrorist attack - are covered.Luckily, there are homeowners policies available that provide a wider scope of

coverage. Ask your insurance agent about a HO-3 or “special form” policy.Only a few insurance companies offer HO-3 or “special form” policies that

take a completely different approach and list “exclusions” or causes of loss that arenot covered. These policy forms provide broader, enhanced protection for yourhome by covering “direct physical loss to property". These "special form" policiesare the standard in theUnited States and cover just about everything except thoselosses that are listed under the "exclusions”.A standard HO-3 or “special form” policy will have the following exclusions:

• Ordinance or law, such as demolition or construction required to bring yourhouse up to code

• Earthmovement, such as earthquakes, shockwaves, sinkholes, landslides andmudflows

• Water damage, such as floods, sewer back-ups and water that seeps throughthe foundation

• Power failure• Neglect, meaning you failed to take reasonable means to save your propertyduring or after a loss

• War, including undeclared war and civil war• Nuclear hazard• Intentional loss, meaning something you did on purpose with the intent tocause a loss

• Governmental action, such as the destruction, confiscation or seizure ofcovered property by any governmental or public authority

• Loss to property, resulting from faulty zoning, bad repair or workmanship,faulty construction materials and defective maintenance

In addition to the exclusions above, the HO-3 or “special form” policy does notinsure against loss caused by:

• Collapse• Theft of construction materials in or to a dwelling under construction• Vandalism ormaliciousmischief if a dwelling has been vacant for more than60 days.

• Mold, fungus, or wet rot.• Wear and tear.• Mechanical breakdown.• Rust or corrosion.• Release of pollutants.• Settling, shrinking, bulging or expansion, including resultant cracking, ofbulkheads, pavement, patios, footings, foundations, walls, floors, roofs, orceilings.

• Birds, rodents, or insects.• Nesting or infestation by any animals.• Animals owned or kept by an insured.

If a group of terrorists were identified as being responsible for setting fire to homeson the island, the HO-3 or “special form” policy could provide coverage becauseterrorism is not listed as a “exclusion” in the HO-3. Granted, it must be declaredan act of terrorism by the government. However, if it were a nuclear bomb theloss would not be covered due to the “Nuclear Hazard” exclusion and possiblyunder the “War” exclusion. Basically, the HO-3 would cover terrorism but notan act of war. The government will declare whether it is one or the other andinsurance companies will respond accordingly. To sum it all up, acts of war arenot covered. Nuclear, biological, chemical or radiological attacks are not coveredas well. These are examples of catastrophic events that are fundamentallyuninsurable due to the nature of these risks.

What is Not Covered Underyour Homeowners Policy?

1 8 C a s a G u a m M a y 2 0 1 3

F r o m t h e E x p e r t s

By Warren WakiGuahan Insurance Services

For more information, ask yourinsurance agent about theTerrorism Risk Insurance ProgramReauthorization Act of 2007(TRIPRA).




RainWater -Harvest It. Recycle It. By Arlene Taitague Taitingfong

C u r b A p p e a l

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Last September’s article, “Guttered Done”, inspired me towrite a little more about the rain and how to use it to ouradvantage, especially since our rainy days have been more

frequent. Recycling of rainwater is a conservation effort practicedin many parts of the world. There are a few places where a lawexists that require all new construction to include rainwaterharvesting adequate for the resident. Good idea!

What is Rainwater Harvesting?Basically, it is the simple collection or storing of water throughscientific techniques from the areas where the rain falls. It involvesutilization of rain water for domestic or agricultural purpose. Themethod is simple and cost effective too.

Rainwater harvesting ensures an independent water supply. Thisis great for when our main water supply is restricted or if wechoose to save some dollars, as well as practice water conserva-tion. For several months, Guam has been blest with much rain-fall (or should I say, ALOTof rainfall!). What an opportunity forone to save the downpour, harness the water and recycle it for themany uses in our homes like flushing toilets, watering plants,irrigation and other interior and exterior uses.

Recycling rainwater is a technique that is somewhat dependenton end-use and maintenance. It produces beneficial effects byreducing peak storm water runoff and processing costs. Rainwa-ter harvesting systems are simple to install and operate. Runningcosts are negligible, and they provide water at the point ofconsumption.

It is important that the system is sized to meet the water demandthroughout the dry season. In addition, the size of the catchmentarea or roof should be large enough to fill the tank.

Methods of Rainwater HarvestingThere are a fewways to harvest rainwater. The twomain ones aresurface runoff and roof top rainwater. Surface runoff harvesting,is rainwater that flows away as surface runoff. This runoff couldbe caught and used. Roof Top rainwater harvesting, which thisarticle will focus on, is a system of catching rainwater where itfalls. In rooftop harvesting, the roof becomes the catchments, andthe rainwater is collected from the roof of the house. It can eitherbe stored in a tank or diverted to artificial recharge system. Thismethod is less expensive and very effective and if implementedproperly helps in augmenting the ground water level of the area.

A Few Examples of Roof Top Rainwater Harvesting

If you were ever in one of ourtyphoons (or experiencedstorm situations), you are nostranger to this basic rainwatersolution technique as seen inthis illustration. This is a basicmodel of rainwater harvesting.Costs are low and one canaccess the contained water

easily. After a storm, one can easily have water for flushing thetoilets, bathing and washing dishes.

Imentioned that rainwater recycling is easy and affordable. I guessin determining what system to use or how elaborate you want thesystem to be, you need to ask yourself a few questions. Do I wanta container onmy rooftop or on the side ofmy home? Do I wantit underground? What will I be using the water for? Do I plan todrink the recycled water? If so, how can I “treat” the water forconsumption? How much is my budget? Check online for themany, many types of techniques one can use. There is a shower ofgreat ideas! Also check the phone book as there are a fewcompanies on Guam that can assist.

Whether you have an existing home or plan to build one later,include a rainwater recycling system into your plan. It willincrease you home’s value and save youmoney on your water bill,and youwould be conserving another resource. Til next time, GoGreen Guam!

Did You Know?• 1 inch of rainfall on a 2,000 sq. ft. residential roof generates 1,250 gallons of water that can be reused.• That same roof in a region receiving 30 inches of annual rainfall generates 41,000 gallons of reusable water.• The average US household with a 10,000 square foot lot uses 5,000 gallons of water weekly for landscapeirrigation.

• Running a sprinkler for 2 hours can use up to 500 gallons of water.

Figure 1: The illustrative design of the basiccomponents of rooftop

Figure 2: Another example of a rainwaterharvesting system.

Figure 3: Example of basic rainwater solution.




O n e M o r e T h i n g

2 2 C a s a G u a m M a y 2 0 1 3

With all the discussion over the past year regarding the new 3.8 %tax on real estate transactions as a method of funding the PatientProtectionAffordable Care Act (Obamacare), I decided to do someresearch and called on local tax professional Joe Arnett of Deloitteand Touche for clarification.

What I learned is that the tax is not really a real estate tax, it is aninvestment income tax and therefore applies to income from rentalreal estate, real estate capital gains, dividend income, royalty income,interest income as well as passive business activity income.

The tax does NOT apply to retirement plans; nor will it apply to ataxpayer whose business or trade is real estate (with qualifyingparticipation guidelines), although persons in the real estatebusiness have their own new tax of 0.9% on earned income.

Inmost cases, the 3.8% new investment income tax will not apply toa homeowner selling their home for two reasons.

• First of all, the tax is applied to individuals with income over$200,000, and couples with income over $250,000. The tax isassessed on the profit realized by the sale, over and above whatyou paid for the home.

• When you sell your home, the IRS allows for a home exemptionof $250,000 for a single person, and of $500,000 for a marriedcouple. In order for the tax to apply, a married couple thatpurchased a house for $300,000 and whose income was over$250,000 could sell their home for $800,000 before any taxliability would kick in.

If you are an investor that does not qualify for an exemption fromthe tax, you may want to explore the option of using a 1031 taxdeferred exchange as a tool for deferring paying the new investmentincome tax from the capital gain on the sale of a property.

Then there is the question of whether or not the Affordable CareAct and it various provisions even applies on Guam? According toJoe Arnett, there has been a recent ruling from the IRS indicatingthat Guam residents are not subject to the 3.8% net investmentincome tax. The Department of Revenue & Taxation is reviewingthe IRS notice.

In closing, it is more important then ever before to consult your taxprofessional with regard to your real estate investments!

New 3.8% Tax onReal Estate Transactions

By Kim Anderson Young

Kim Anderson Young, president of Security Title, has over 30 years ofexperience in the real estate industry. Contact her at [email protected] 647-8100.



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W h o Y a G o n n a C a l l ?


2 6 C a s a G u a m M a y 2 0 1 3

C l a s s i f i e d s

Commercial RentalsDededo

106 East Sta. Barbara, Dededo 4bed/1 bacorner house, fenced, and gated. Cen-trally located close to church, school andmalls. Asking $1,200/month. Call MYRNA

@ 488-0144

Ordot-Chalan Pago

Commercial space for rent. Approx 850sq ft., video store or retail business. Asking$850/mo. Please call ANGIE @ 727-2228

Tumon

Fountain Plaza for Rent: Finally primecommercial space in the much desiredFountain Plaza. Own your very own busi-ness amongst the likes of many long timeestablished busibesses already patroningthis plaza. Where can you go wrong, SanVitores road frontage with ample space,there are no lossers and YOU are the win-

ner. Asking $2,700/mo. Please callDANIEL @ 687-5422

Residential RentalsAgana Heights

Cliff Condo. 2BD/2BA. Newly renovated.New appliances. Water/Power incl. Sec. 8

OK. $1,150/month. Call 637-7165/689-3333/688-0887.

Asan

Asan Beach House Newly Renovated,Fresh paint and ceramic tiles. Asking:$2,200.00/mo. Call FRANK @ 479-4663

Asan 3bd./2ba. Ocean Views NewlyRenovated - All ceramic tiles. New a/c's.Asking: $1,900.00/mo. Call FRANK @

479-4663

Barrigada

2b/1b, near Subway with water $830/mo.Please call 637-7165 / 688-0887 / 689-3333

Dededo

Ester Garden: Large 2BD/2BA. Very nice.1,000 SqFt, $800/month.

Call 637-7165/688-0887/689-7700.

Paradise Estates. 4BD/3BA, Exc.Condition, Fenced. $2,450. Call 637-7165

689-3333/688-0887.

Moving Soon? Nice 4 bedroom, 2 bath,gated carport, porch in front, A/C, greatlocation, near Marine Corps Dr. Feel at

home, Call 637-0222 today!

Duplex. Near school, park, grocery store4 bed, 3 bath, 3 carport garage, 1a/c,

1 washer and refrigerator/typhoon shuttersAll inquiries welcome ¾ voucher Sect 8 ok.Please call Ed 788-0568 or Lynn 688-0771

Kaiser Dededo 3bedrooms 2baths hse 4rent. Newly renovated last yr. Sec.8

welcome w/full sec.deposit.Call Karen 988-1883

3Bd/2Bd/1Bd located nearschools/church/store and front of parkSemi-Furn. Sec.8 & Military OK. Pls. leave

message at 727-6456

Dededo Villa Rosario - Spacious3BR/2BA W/D, Pool, Security, Mailbox

$1,650.00

3Bd/2Bd/1Bd located nearschools/church/store and front of parkSemi-Furn. Sec.8 & Military OK. Pls. leave

message at 632-1200

Paradise Estates-4bd/3ba single familyhome located in a prestigious and gated

neighborhood Asking $2450/mo.CSR-PB 649-6088

Las Palmas PH II – 3bd/2ba, stv/ref/c-a/c,w/d, pool, mail delivery, basic cable

$1350/mo. CSR – PB 649-6088

Harmon

3BD/2.5BA Townhouse. Pool. Security.Tennis Court. $1,900/month.

Call 637-7165/688-0887/689-7700

Large 4BD/2.5BA. Single home. Pool.Security. Tennis Court. $2,450/month.Call 637-7165/688-0887/689-7700.

Harmon Ct. Townhome. 3BD/2BA. Sec. 8OK. $1,200/month. Call 637-7165/

689-3333/688-0887.

Maite

2BD/1BA. Near Shop for Less.$750/month. Call 637-7165/

689-3333/688-0887.

Mangilao

Nice house on a cul-de-sac street in LatteHts. 4 bedrooms, 2 baths with all ceramictiles and split a/c units per room. Newerkitchen counters and appliances. Fencedback yard. Has always been leased to mil-itary personnel for their tour on Guam.Asking $2,100 / month. Call DEANNA @

688-2855

Tamuning

Dai Ichi Condo. 3BD/1BA, Pool, Sec 8 OK,by O/A. $1,250. Call 637-7165/688-0887

Sunrise D Condo. Large 2BD/2BA. Pool.Very nice. 1,000 SqFt. $1,000/month.Call 637-7165/688-0887/689-7700.

Beverly Palms: 3bd/2ba, 2 story condounit, w/pool, semi-furnished, appliances,high ceilings, & nice open floor plan

BUY SELL or RENTwww.GUAMLISTINGS.com

482-6252/777-3728 MLS 12-2250

Condo units - 3bd/1ba, renovated,$1100/mo & 3bd/2ba excellent cond.

$1700/mo BUY SELL or RENTwww.GUAMLISTINGS.com

482-6252/777-3728 •MLS 12-509 & 12-523

Tumon 2bd /1 ba, view, near beach, ex.condition, fully furnished. $1350. Call

637-7165/688-0887/689-7700/689-3333.

San Vitores Terrace Condo: 3bd/2ba, 3rdfloor unit with oceanview, upgraded unitwith new carpets, pool, security and basiccable TV. $1800. Call Coral Sea Realty

649-6088

San Vitores Terrace Condo-2bd/1ba,3bd/2ba – walking distance to beach,

rest/bars, church. Asking $950 -$1800/mo. CSR- PB 649-6088

Oka Towers Condo: 1bd/2bd/3bd avail.Great amenities, secured entry, rent incl.

basic cable and water$1050.00 - $1550.00 CSR- PB 649-6088

Tumon

Tumon Horizon Condo: 2bd/2ba, 5th floor,water incl., pool, security $950.00

CSR- PB 649-6088

Yigo

Single Home. Excellent Condition.3BD/2BA. Large yard. Good Location.$1,400/month or for sale $200K.

Call 637-7165/688-0887/689-7700.

Executive 2-story house with a great view,fully fenced and a quiet area. 5bd/3ba w/

2 huge balconies. SS appliances,wash/dry, 2-car garage. Huge storage

shed, a must see, MilitaryOK! $3500/mo. Call Joe @ 483-3333!

Perez Acres: 4 bedroom, 2 bath with pool& playground. Corner unit. Asking

$1,900/month. Call SANDY @ 687-6006

Perez Acres: 3 bedroom / 1.5 ba town-house with extra room great for familyroom or office, gated and secured com-munity, pool, mail delivery. Asking $1900 .

Call CORAL SEA REALTY 649-6088

Residential Sales

Barrigada

Large 4BR/2Ba 1800sqft.House Only 248,000

637-7165 / 688-0887 / 689-3333

Dededo

Paradise Estates. Large 4BD/3BA, Exc.Condition, Sec, Beautiful Comp. $320,000

Call 637-7165/688-0887/689-7700

Villa Rosario Condo: 3bd 2ba ExcellentCondition, Pool, Tennis Court, Play

Ground. Good Location $160,000.00Call 637-7165/688-0887

Las Palmas Ph3. 3rd Floor. Large3BD/2.5BA/2Den. Pool. Excellent

Condition. $255,000. Call 637-7165689-3333/688-0887.

Pacific Gardens. 1st Floor. Pool. Security.1BD/1BA. $47,000. Call 637-7165689-7700/688-0887/689-3333.

For Sale By OwnerSummer Palace Estates

Located close to Cost-U-Less in Harmon4Bd/2.5Ba 2100 Sq. Ft. Home located ina secured gated community with swim-ming pool, tennis court, and playground.New granite countertop and tile floorthroughout with typhoon shutters.$440,000.00 Please call 777-0951

Paradise Estate Home - 3bd/2ba,2 car garage, appliances, central a/c,typhoon shutters, secured entry,

gated community, Asking $274,900482-6252/777-3728 MLS 12-2026

Mangilao

Latte Heights House with 3 br / 2 ba, ideallocation w/ carport, fully fenced, gated,spacious yard w/ patio. Asking $200K.

Please call ANGIE @ 727-2228

Mongmong-Toto-Maite

Exceptional 3bd and 3.5 ba home Enjoythe view, separate refrigeration and stovefor the person who enjoys cooking, thepool and the great central location.Asking $630k Call JUDY @482-7775



Ordot-Chalan Pago

Chalan Pago 2bed1bath SFD for sale.1169sq.m lot Asking $119k.

Call Karen 988-1883

Sinajana

Large 4BR/3Ba 2755sqft w/1600sqftcovered deck/porch. Detached util & gen.room. Walled/Gated & beautifully land-scaped. $592K. Call Michael@ 487-4111

Tamuning

Jonestown. 3bd/2ba. Large Yard. Fenced.$320,000 or $1,350 for rent.

Call 637-7165/689-7700/689-3333

Tumon Heights. 4BD/2BA. Oceanview,Corner Unit, Large Living Room, Patio,100% Back up Generator/Water, Exc.

Condition. Only $355,000Call 637-7165/688-0887

Condo units - 3bd/1ba, renovated, $125K& Agana Beach Condo, 3bd/3ba,

beachfront, bank foreclosed, appliances,split a/c units, $500K482-6252/777-3728

MLS 12-1565 & 12-1621

TAMUNING Executive 2 StoreySpacious House for Sale by Owner. Greatlocation beside Cost-U-Less Tamuningand GPO. Great lifestyle and communityenvironment with 5 bd/3ba corner lot; nicesized bd on 1st and 2nd flr; luxurious mas-ter suite w/ jacuzzi spa tub; quality granitestaircases; hardwood railings; crown mold-ing all over the house with open spaciouskitchen and stainless steel appliances.Please call owner/lv msg at 727-6456.

Tumon

Tumon View Condo. 2bd 1ba.Near beach. $110,000.

Call 637-7165/688-0887/689-3333

Nice 2 and 3 bedroom condo withpanoramic ocean view and city view andwaliking distance from the shops andhotels. Please call George 483-9111

Century 21 CR.

Lily Village Tumon Condo. Nice.3BDM 2BA Fully Renovated. $2,000/mo.

Yigo

Executive 2-story house with a great view,fully fenced and a quiet area. 5bd/3ba w/ 2huge balconies. SS appliances, wash/dry,2-car garage. Huge storage shed, a mustsee! $425K Sale. Call Joe @ 483-3333!

Yona

Winward Hill Estates: Lovely 4 bedrooms /2.5 ba with beautifully upgraded kitchenand bathrooms, nicely appointed living &dining spaces & bedrooms. Large, wellmaintained yard with lots of gorgeousplants, flowers, trees and a cozy veran-

dah & spacious tool shop in the middle ofit all! Come see this beauty in Yona. Ask-ing $289,000. Call MARILOU @ 988-5600

Land for SaleChalan Pago

1,387 SqMtrs, Good Location, 5 min.drive from Agana. Only $46,000. Serious

Inquiries. Call 637-7165/688-0887

Chalan Pago LAND FOR SALE Wow!What a view you have to take a look atthis large lot. Come see and fall in love!

Only $210K. Call Century 21Commonwealth Realty @ 649-2121.

Dededo

Dededo Lot with a fabulous viewoverlooking the city. Great potential for

future development. $400K.Call HANA @ 777-3660

Merizo

Enjoy the view when you build on close to1 acre of property located on Guam'scountryside fronting Route 4. Great size

and great potential. Only $60K.Call JOYLYN @ 488-5069

Piti

Turner Rd. - Channel 10 - (Nimitz Hill) Piti.151,508 sq. meters of unobstructed

ocean views Asking: $2,300,000.00 CallFRANK @ 479-4663

Talofofo

Perez Heights, Ipan, TalofofoExecutive / Investment House LotOnly $58k, 929sm, 565-4464

Tamuning

Tumon Heights. Talo Verde.1,134 SqMtrs +/-, Near Beach,

Premier Lot. $525,000.Call 689-7700

R-2 Lot Call 646-7137

Yigo

1/2 acre. $48,000.Call 637-7165/689-3333.

Yigo Lot. 3,716 SM. Near MarianasTerrace. Asking $90K. 482-4354.

C l a s s i f i e d s


Are there any exemptions to the rule?Yes. There are few exemptions to the new rules. A telemarketer may call thefollowing:

• Consumers with whom the seller has an existing business relationship. Thisapplies to existing clients and customers and extends for up to 18 months afterthe end of a transaction. If a consumer makes an inquiry, the telemarketer can callthe person for up to three months after the inquiry.

• Persons who have granted prior express permission to call. This permissionmust be in writing.

In addition, the rules do not apply to the following entities• Charities and tax -exempt nonprofit organizations• Political campaigns• Callers taking surveys or polls.

Do the new rules apply to calls made to FSBO’s?There are two instances when a real estate professional would call a FSBO seller. Thefirst would be a real estate professional seeking of a FSBO listing, and the secondwould be a buyer's representative who believes his/her client might be interested in aFSBO property. A buyer's representative can contact a FSBO owner whose numberis listed in the Do-Not-Call registry about a client's potential interest in theproperty, as this call is not a telephone solicitation by the buyer's representative. Notethat the buyer's representative can only discuss his/her client's interest in the propertyand not use a purported client's interest as a way to also discuss the possibility of theFSBO owner listing his/her property with the buyer's representative.

However, a real estate professional would be prohibited from initiating atelephone call to a FSBO seller whose number is listed in the Do-Not-Callregistry in an attempt to obtain a listing. The rules prohibit anyone frommaking telephone solicitations to telephone numbers that are registered in thedatabase, and a call initiated to obtain the listing falls within that definition.

Can I still call Expired Listings?The established business relationship exemption permits the listing agent as well asother agents from the same company to contact the seller for up to 18 months afterthe expiration date. For all other agents, the Registry must be consulted prior tocalling. If the seller has placed their number in the Registry, you should refrain fromcalling them.

Do the new rules apply to calls made to businesses?No, the Do-Not-Call Registry is only for residential telephone numbers.

How will these new rules be enforced?The FTC and FCC are working to develop a Memorandum of Understanding toachieve an efficient enforcement strategy.

The FCC provides for a private right of action. Aggrieved consumers can sue if theyreceive two calls in violation of the regulations by the same company within a twelvemonth period and collect $500 for each violation.

My state associationwould like to download the area codes formy state and post thoseon its website for use by the members. Is this permissible?No, the Rules make it clear that the only permissible use of the registry is for

compliance purposes. It is not permissible to download and distribute the lists tothird parties, even if the purpose of the distribution is to help members comply withthe Rules.

A consumer calls my office to inquire about a listing. Can I call this consumer to talkabout other listings over the next threemonths, or I am limited to only discussing theproperty which prompted the consumer's call?The Rules permit a company to call consumer following an inquiry for threemonthsafter the inquiry or until the consumer requests to be placed on thecompany's do-not-call list. There is no limit on what the company can discuss withthe consumer during those threemonths. Thus, other listings could be discussed withthe consumer over the next three months.

A former client calls and tells me a friend of hers would like me to call her to discussthe possibility of her listing her home with me. Do I have to check the Do-Not-Callregistry before making this call?Yes, youwould need to check theDo-Not-Call registry because it is not clear whetherthis sort of indirect inquiry would qualify as a "customer inquiry" within the Rules.

My company publishes a telephone number with particular listings that interestedconsumers can call to receive additional information about the property. When thenumber is called, the system plays a recorded message about the home's features.During the call, the system also captures the telephone number of the caller.Will thistype of call be considered an “inquiry” for purposes of the exemption?The test under the Rules is whether the consumer has a reasonable expectation ofreceiving a return call. Therefore, in your recorded message to consumers, yourcompany should create such an expectation by informing the consumer that they canexpect a return phone call. Offering the consumer the ability to opt out of the returncall would be the recommended solution.

What are the fines and are there any safe harbors?The fine for calling someone whose name appears on the Do-Not-Call Registry isup to $11,000 per call by the federal government, $500 for a lawsuit by a stateattorney general or a consumer.

There is a "safe harbor" for inadvertent mistakes. To meet the safe harbor, the entitymaking the call must demonstrate that:• It has written procedures to comply with the do not call requirements• It trains its personnel in those procedures• It monitors and enforces compliance with these procedures• It maintain a company specific list of telephone numbers that it may not call• It accesses the national registry no more than 31 days prior to calling anyconsumer and maintains records documenting this process

• Any call made in violation of the do not call rules was the result of an error

FAQs about The “Do-Not-Call” Registry Part II

2 8 C a s a G u a m M a y 2 0 1 3

C l o s i n g

Message from theExecutive Officer

For More Information Contact:

Peggy Araullo Llagas, Executive OfficerGuam Association of REALTORS®

Suite 236A Julale Center424 West O'Brien Drive, Hagatna, Guam 96910Tel: (671) 477-4271 • Fax: (671) 477-4275

Mobile: (671) 689-4271 • www.guamrealtors.com

By Peggy Araullo Llagas


Yigo $200K4Br/2Ba #13-946

Yigo $285K3Br/2Ba #13-1129

Yona $178,5003Br/2.5Ba #13-1205

Dededo $268K3Br/2Ba #13-440

Tumon $470K4Br/2.5Ba #13-1068

Barrigada $379,9906Br/3Ba #13-925

Dededo $325K4Br/3Ba #13-1177

Dededo $398K4Br/3.5Ba #13-1158

Mangilao $405K4Br/3Ba #13-1156

Tamuning $170K1Br/1Ba #13-920



Homes&Condos

We speakRussian, Farsi, Chinese, Korean,Japanese, Filipino, and Chamorro

facebook.com/Century21CommonwealthRealty

RENTALSDahlia St., Dededo - 3Br/2Ba - $1,250 - #13-1089

Kayen Annako, Dededo - 4Br/4Ba - $4,600 - #13-1259

Anga St., Mongmong-Toto-Maite - 3Br/1Ba - $950 - #13-1363

Chln Inda St., Ordot-Chln Pago - 4Br/5Ba - $4,600 - #13-1265

Sgt E. Cruz St., Santa Rita - 3Br/2Ba - $2,000 - #13-896

Holiday Tower Condo, Sinajana - 2Br/2Ba - $2,200 - #13-924

Oka Tower Condo, Tamuning - 1Br/1Ba - $1,400 - #13-945

Talo Verde, Tamuning - 4Br/3Ba - $4,500 - #13-1146

Villa I’Sabana, Tumon - 3Br/3Ba - $2,200 - #13-1058

Chln Tun Luis Duenas St., Yigo - 4Br/2.5Ba - $2,200 - #13-1186

Pomika Apts., Tamuning - 2Br/2Ba - $1,000 - #13-436

Talo Verde, Tamuning - 4Br/3Ba - $4,500 - #13-1146

Chln Kanton Tasi, Ordot-Chln Pago - 3Br/2.5Ba - $2,200 - #13-629

Tumon Hts, Tamuning - 3Br/2Ba - $1,200 - #13-1371

Alupang Cove Condo, Tamuning - 1Br/1Ba - $1,600 - #13-1377

San Vitores Terrace, Tumon - 2Br/1Ba - $2,300 - #13-1386

S. Upi St., Yigo - 3Br/2Ba - $2,205 - #12-4367

A&D Apts, Mongmong-Toto-Maite - 3Br/3Ba - $2,200 - #13-434

Palm Seas Condo, Tumon - 3Br/2Ba - $2,450 - #13-185

Chln Binadu, Yona - 4Br/2Ba - $2,200 - #12-3225

Chln Kanton Tasi, Merizo - 1,200SqFt - $1,200 - #13-682

R.K. Plaza, Tamuning - 1,189SqFt - $325 - #13-1277

R.K. Plaza, Tamuning - 1,295SqFt - $1,425 - #13-1280

R.K. Plaza, Tamuning - 406SqFt - $325 - #13-1281

LANDTun Akin Cabessa, Yigo - 1,321sm - $54,000 - #13-1179

Ipan Padua Lane, Talofofo - 969sm - $45,000 - #13-637

N. Paulino Hts Rd, Talofofo - 990sm - $59,900 - #13-358

N. Paulino Hts Rd, Talofofo - 991sm - $59,900 - #13-359

Piti - 1,123sm - $150,000 - #12-4907Mongmong-Toto-Maite$2.4MMulti-Family #13-1344

$172,000Multi-Family - 4Br/2Ba

Dededo $30KCommercial #13-1090

Yigo $172KMulti-Family #13-1491

Commercial & Multi-Family

Ordot-Chln Pago $449,9004Br/3Ba - #13-540

Mangilao $39K2Br/1Ba #13-882

Tamuning $323K4Br/2.5Ba #13-627

Tamuning $750K4Br/3.5Ba #11-1889

Yigo $200K2Br/1Ba #13-1401

Yigo $220K3Br/1.5Ba #13-1419

Yigo $185K4Br/2Ba

Mangilao $79K2Br/1.5Ba #12-3915

Mangilao $430K4Br/2.5Ba #13-373

Dededo $295K4Br/3Ba #13-1497


Dededo $180K2Br/3Ba #12-1959



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