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CONTENTS

Departments 6

Market Report Bracing for the Boom

10

Feature Still Building

18

From the Experts Let’s Get Your Property Sold!

20

Profile Julie Lee Yamamoto Beauty Professional Turned Realtor®

24

Curb Appeal Chain Link, Wooden or Plastic Fence?

26

How To D.I.Y. Building Your Home Hand Tool Kit

28

Who Ya Gonna Call?

30

Classifieds

32

Closing Guam Association of Realtors®

Message From GAR

Guam Home Buyers Seminars

By Steffen Niu

I

n case you missed it, the Guam Association of REALTORS® put together a series of public education seminars in October for homebuyers. Although the REALTOR® Association serves all real estate needs on Guam, from buyers, sellers and renters of vacant land, commercial, and residential properties and more, this series was concentrated on homebuyers on Guam, with an emphasis on new homebuyers. Classes were provided in Homebuying basics, searching for your home on the Guam Multiple Listing Service, How to get Financing, Government programs (Guam Housing Corporation), Title Insurance issues, Home Insurance, the economic stimulus tax credit, and how to use a REALTOR® to find your home. The Guam Association of REALTORS® (GAR) is a non-profit professional organization of real estate professionals dedicated to protecting the public trust and professionalism in real estate business on Guam. GAR offers these public education seminars from time to time as a public service to help educate the public on real estate issues and opportunities. Generous contributors to this series of free public outreach seminars were Liz Duenas of RE/MAX Diamond Realty, Anthony Godwin of Today’s Realty, Moe Cotton of Century 21 Commonwealth Realty, Mary Guerrero and Jeremy Rojas from Guam Housing Corporation, Kim Young from Security Title, Therese Camacho and Dominic Cruz from CSB/ANZ Bank, and Nancy Tan from Moylan’s Insurance. Guam Association of REALTORS® is extremely thankful for all the assistance, expertise, and advice from these contributors, and of course to Peggy Llagas the Executive Officer of GAR for her time and dedication on this event.

For those who were able to attend, they were able to learn from these leading experts in their field about the steps of homebuying from the very beginning of searching for your home, to qualifying for a conventional loan or government loan option and tax breaks, using the free services of a REALTOR® to assist in the process, Title and home insurance coverages. Attendees also learned that now is an excellent time to buy in Guam Low interest rates coupled with housing rates which we can generally expect to rise in the next few years, make this an opportune time to get into the market, and for renters to get out of paying rent and into equity in their own homes. The same monthly payment today will likely buy considerably less of a home in the future if rates go back up to normal and prices rise as the military buildup reduces inventory. The time for the economic stimulus tax rebate of up to $8,000 for first time homebuyers is also running out and although there is talk of extending this credit, until that happens there is not guarantee it will be available beyond the current November 30th, cutoff date. In order to get the benefit of all three of these advantages, it is a good idea to purchase now. For more information on the current Guam real estate market and the opportunities available, Call your favorite REALTOR® today for any questions on buying, selling, or renting real estate!

Steffen Niu 2009 President Guam Association of REALTORS® |Publisher|

The Community Choice in Real Estate Act

Julian T. Cooper-Nurse

|Business Sales Manager| Jay-R S. Dominguez

CasaGuam Advertising Disclaimer All 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 published herein, 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. CasaGuam Magazine 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 written consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use.

|Traffic/Circulation Manager|

November 2009 • Vol. 2 • No. 11

Josie Redmond

|Production Manager| Mark S. Burke

CasaGuam is Published by:

|Production Assistant| Lynda Young

|Graphics & Layout|

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

Mark S. Burke • Jon Barnhart

|Editorial Contributors| Faye Varias Creative Services • Steffen Niu • Deanna Palmer W. Nicholas Captain • Peggy Araullo Llagas • Cover Photo: Mark S. Burke CasaGuam.com 1


Real Estate Listing By Village Looking for something in particular? See the listings index below to point you in the direction of a listing in this real estate guide that’s right for you. Simply look up the village, type of home or apartment and see the ad on the corresponding page number. Happy Home Hunting!

Business Opportunities

The Real Estate Professionals . . . . . . . . .15 Century 21 Commonwealth Realty . . . .17

Tamuning

Hagåtña

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12

Tumon

Century 21 Realty Management . . . . .IFC Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Advance Management, Inc . . . . . . . . . . .15 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Commercial For Rent Agana Heights Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12

Barrigada Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12 Century 21 Commonwealth Realty . . . .17

Dededo Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12 Century 21 Commonwealth Realty . . . .17

Mangilao

FC - Front Cover

IBC - Inside Back Cover

IFC - Inside Front Cover

BC - Back Cover

Dededo BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12 The Real Estate Professionals . . . . . . . . .15 Century 21 Commonwealth Realty . . . .16 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

Inarajan

Mongmong-Toto-Maite

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9

Mangilao

Ordot-Chalan Pago RE/MAX Diamond Realty . . . . . . . . . . . . . .4 BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Century 21 Commonwealth Realty . . . .17

Piti

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Century 21 Commonwealth Realty . . . .16 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

Mongmong-Toto-Maite BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Realty Management . . . . . .15

Land For Sale Barrigada Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Century 21 Commonwealth Realty . . . .16 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

Dededo BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16

Inarajan Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16

Mangilao Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Mongmong-Toto-Maite

RE/MAX Diamond Realty . . . . . . . . . . . . . .4 Nimitz Towers . . . . . . . . . . . . . . . . . . . . . . .14 Century 21 Commonwealth Realty . . . .17 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Santa Rita

RE/MAX Diamond Realty . . . . . . . . . . . . . .4 The Real Estate Professionals . . . . . .13,14 Century 21 Commonwealth Realty . . . .16

Tamuning

RE/MAX Diamond Realty . . . . . . . . . . . . . .4

Piti

Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9

Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12

Sinajana

Ordot-Chalan Pago

Tumon

Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .17

Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Century 21 Commonwealth Realty . . . .16

Hagåtña Century 21 Commonwealth Realty . . . .17

Century 21 Commonwealth Realty . . . .17

Commercial For Sale

Talofofo

Century 21 Commonwealth Realty . . . .16

RE/MAX Diamond Realty . . . . . . . . . . . . . .4 Advance Management, Inc . . . . . . . . . . .15 Century 21 Commonwealth Realty . . . .17

Tamuning

Tamuning

Century 21 Commonwealth Realty . . . .16

Century 21 Realty Management . . . . .IFC RE/MAX Diamond Realty . . . . . . . . . . . . . .4 BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 GPR The Real Estate Consultants . . . . . . .8 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Advance Management, Inc . . . . . . . . . . .15

Hagåtña

Multi-Family For Sale Dededo Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8

Hagåtña Century 21 Commonwealth Realty . . . .16

Mongmong-Toto-Maite Century 21 Commonwealth Realty . . . .16

Ordot-Chalan Pago Century 21 Commonwealth Realty . . . .16

Piti

Tumon RE/MAX Diamond Realty . . . . . . . . . . . . . .4 BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Century 21 Commonwealth Realty . . . .16

Yigo

Tamuning

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Century 21 Commonwealth Realty . . . .16

Yona RE/MAX Diamond Realty . . . . . . . . . . . . . .4

Residential For Rent

Residential For Sale

Agana Heights

Ordot-Chalan Pago

Merizo Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 The Real Estate Professionals . . . . . . . . .15

Santa Rita GPR The Real Estate Consultants . . . . . . .8 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

Sinajana Century 21 Realty Management . . . . .IFC Century 21 Commonwealth Realty . . . .16

Talofofo BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Empire Realty . . . . . . . . . . . . . . . . . . . . .9,12 Century 21 Commonwealth Realty . . . .17

Tamuning

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16

Piti Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16

Santa Rita Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9

Sinajana BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Talofofo

Century 21 Realty Management . .IFC,15 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . .3,14 Century 21 Commonwealth Realty .16,17

Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16

Tumon

Century 21 Realty Management . . . . .IFC Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12 Advance Management, Inc . . . . . . . . . . .15

Century 21 Commonwealth Realty . . . .16

Yigo Century 21 Realty Management . . . . .IFC PW Investment Corporation . . . . . . . . . . . .5 BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 The Real Estate Professionals . . . . . . . . .14 Century 21 Commonwealth Realty . . . .16

Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12

Agana Heights

Yona

Asan RE/MAX Diamond Realty . . . . . . . . . . . . . .4

Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Empire Realty . . . . . . . . . . . . . . . . . . . . . . .12

Barrigada

Agat

Century 21 Realty Management . . . . .IFC BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Century 21 Commonwealth Realty . . . .16

Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Century 21 Commonwealth Realty . . . .17

RE/MAX Diamond Realty . . . . . . . . . . . . . .4 The Real Estate Professionals . . . . . . . . .13

Dededo

Dededo

Barrigada

Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

RE/MAX Diamond Realty . . . . . . . . . . . . . .4 BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Century 21 Commonwealth Realty .16,17 Today’s Realty . . . . . . . . . . . . . . . . . . . . . .BC

Tamuning

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Mongmong-Toto-Maite

Land For Lease

BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Tamuning

Tumon Century 21 Commonwealth Realty . . . .16

Yigo Century 21 Realty Management . . . . .IFC GPR The Real Estate Consultants . . . . . . .8 Empire Realty . . . . . . . . . . . . . . . . . . . . . . . . .9 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16

Yona BHI Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Realty One Pacific . . . . . . . . . . . . . . . . . . . . .8 Coral Sea . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Century 21 Commonwealth Realty . . . .16


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Market Repor t

Bracing for the Boom By Nick Captain

T

he calm before the storm may best describe Guam's current real estate market, but the calm has already started to quiver. The overall market reflected strong gains during the second quarter of 2009 and expectations remain high that significant growth will occur over the next 12 to 24 months. However, certain sectors remain weak. Like Arnold Schwarzenegger's California budget, Guam's second quarter real estate market statistics included The Good, The Bad and The Ugly. The good news confirms that the worst is over and overall sales during the second quarter increased a remarkable 55 percent to $56.1 million. In addition, the median price of a single family dwelling (SFD) rebounded 25 percent to $199,500, the strongest quarterly gain on record, but still 16 percent below the $238,000 median price high set in the third quarter of 2008. The SFD median price was nearly flat compared to the same period in 2008 and 2007 and the stabilization is a positive sign considering the dramatic increases since 2003. The single family dwelling sector reflected 158 sales in the second quarter, up 40 percent from the five year low of 115 sales in the first quarter. However, the 158 sales are relatively weak compared to the 210 average 6 CasaGuam November 09

units sold during the same period in 2006 to 2008. The more volatile condominium sector reflected 38 sales, up 52 percent, and a $131,000 median price, down slightly from first quarter statistics. The good news in Guam's real estate market also includes the return of high-end housing sales, which shrank to a nano-market during the first quarter. Clearly the fear and uncertainty caused by global economic and credit market fallout is on the decline as 21 houses sold at prices above $350,000 and 5 houses sold at prices above $500,000 during the second quarter. The second quarter also reflected four condominium transactions at prices above $325,000 which is good news for sellers. But with the commencement of the U.S. military's largest construction project since World War II now less

than one year away, why would anyone want to sell? Guam's first experience with $1 billion per year in construction alone is already fixed for FY2010. We expect further increases in median prices for housing because an increasing number of sales will reflect new and higher priced product. The bad news for Guam's real estate market is that activity, although increasing, remains weak. Our downward revised expectations (again) for overall 2009 sales volume reflects $225 million, down 42 percent from 2008 (which was down by 55 percent from 2007). Strong growth from the first quarter was expected because that period was weaker than the height of our local "depression" during 2002 and 2003. The bad news also includes generally weaker overall economic conditions

with significant job losses reflected in the tourism sector. The ugly news for Guam's real estate market involves a lack of foreign investment. Historically, Guam's market has significantly increased only when foreign investment is flowing into real estate acquisitions and development. Korean investment has shifted from acquisition into construction which is positive, but we need foreign capital injections to push real estate to the next level. The lack of foreign investment creates what may be the last good buying opportunity for many years. We expect strong market conditions to coincide with massive military construction projects between 2010 and 2015. The next 12 months may involve the last great Guam real estate investment opportunity during our lifetimes.


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Feature

Still Building By Alex Salazar

Real estate professionals remain optimistic through stagnated developments.

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Feature

A

s talk of the military buildup seems to still be just talk, real estate professionals are feeling the pressure. However, they continue to be positive that the real estate market will come out of its rut. In the first week of October, the Captain Real Estate Group of Companies held the Fifth Biennial Micronesia Real Estate Conference, themed "Micronesia Real Estate: Building Momentum," addressing issues, such as planning for urban development, affordability, sustainability and trends in investment. The Calm Before the Storm According to Siska Hutapea, vice president and managing director at Captain, Hutapea & Associates, said in her presentation, that the real estate market goes through cycles, and we are in the "calm before the storm." Hutapea said that just as the early 1970s boom was sparked by political fears and an explosion in tourism and the late '80s boom sparked by Japanese investment, Guam experienced a boom in 2007 due to what she referred to as the "3Ms" -- military, military, military. When there is a high, there is also a low. But today's market barely reflects the depressed market in the early '80s, when interests above 20 percent crippled growth and the early '90s downward spiral during Japan's economic contraction. However, added to the effects of external forces, such as the global financial crisis, H1N1 outbreak and the fact that Guam is still waiting for money to roll in, the market remains stagnant.

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Feature

Notable Transactions Nick Captain, president of the Captain Real Estate Group of Companies, compared 2007 expectations versus today's reality. • 700 units of the $250 million Gun Beach condos are still undeveloped today • 646 units of the two proposed 32-story Ypao Luxury Condos are still undeveloped today • 240-unit condominium development in Nimitz Hill is still undeveloped today • 280 units for Emerald Oceanview Park is undergoing construction today • 28-story Bayview 5 Hotel in Tumon is undergoing construction today • 25 units Felisium Project Chalan Pago is still undeveloped today • Only nine of the 42 units at Talo Verde Estates have been sold since July 2007 • Only two of the 17 units at Tasi 17 have been sold since July 2008 • Of the 26 units at Tumon Bel Air there are six available, with 20 reportedly reserved by offisland buyers However, confidence in the market remains. In the commercial and industrial sectors, a new air cargo facility was built at the A.B. Won Pat Guam International Airport. CTSI and MCV are both building new facilities and Pay-Less Super12 CasaGuam November 09

markets and the Government of Guam Employees Federal Credit Union are adding building new locations. In the residential sector, developments are rising in Pago Bay and Paradise Estates. Yet, Hutapea said there are mixed signals when it comes to the appreciation of land value. While there was a rise in value for sales of the Hornet Building, Sunleader Building and La Isla Plaza in Tamuning, for example, there was a decline in the land near Happy Landing Road and oceanfront land in Tumon.

Challenges Joseph Bradley, senior vice president at Bank of Guam, stated that the numbers should speak for themselves. Visitor arrivals have fallen substantially, spending doesn't reflect the weakness of the dollar, and return to normalcy will await economic recovery, he said. He added that while the Marine relocation could have a huge impact, it is temporary and few permanent jobs will be created. He also said, "Military and tourism are largely incompatible," explaining that there Guam will have to choose between the quiet nature of Japanese visitors versus military personnel. There will be decisions that compare national security considerations versus visa waivers and Guam becomes more of a target in times of international tension.


Feature "We still seem to be planning, to plan, to plan," Bradley said. "We will likely come to view the surge as a normal state of affairs, businesses will over invest in capacity and inventory and the government will build permanent expenditure commitments based on temporary revenues. But when the boom goes bust, our economy will contract rapidly."

mercy of the military buildup. He added that the easy money has already been made, but there are still many opportunities for investment. The key is to focus on quality, buy smart and fast, be selective and most of all have fun. He said, "Guam is the single best investment destination due to legal framework and military buildup."

Future Projections

Source: Fifth Biennial Micronesia Real Estate Conference presentations

Captain said the future is at the

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From the Experts

Y

Let’s get Your Property SOLD By Deanna Palmer

ou have interviewed and decided on a REALTOR® to list your property to sell. You have asked for and taken the advice of your agent regarding the pricing and condition of the home. Once you have done all the work and have prepared your home for Sale, make sure your home is EASY TO SHOW! To get your home sold quickly, it’s important that REALTORS® are able to show it to as many potential buyers as possible. After pre-qualifying the Buyers, a good agent will talk to the buyer(s) and learn what kind of home they are looking for. Then the agent will search all the available homes in MLS for those most closely matching what the buyer wants. Next, the agent puts together a list of the best matches to go show to the buyer. When a busy agent is compiling a list of homes to show a buyer, the agent will naturally tend to show those houses that are easiest to gain access to first. Many homes on the market have “lock boxes” on them. The lock box is a device which holds a key to the home, that only qualified REALTORS® can access. Homes that are listed as being “lock box, no appointment needed” will get shown more often than homes listed as “agent has key, call for appointment”. If at all possible, you should let your REALTOR® put a lock box on your home for easier showing and a faster sale.

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If you can’t do a lock box, you need to be sure that you make it as convenient and as easy as possible for other REALTORS® to show your home. When you leave in the morning, put everything away and make the beds just in case you need to show the home with just a short amount of notice. When your REALTOR® calls for an appointment, do whatever you have to do to accommodate letting them show your home to buyers on their schedule. If you don’t, the Buyers will see other homes and may decide to put an offer in on one of the other options they are being shown and you loose a great opportunity to show and SELL your home. It’s best if you can leave when the REALTOR® and buyer arrive to see your home. Buyers won’t feel comfortable really looking through the property with you there. The REALTOR® bringing the Buyer will point out the benefits of your property based on what that Buyer is looking to find. And do not be shy about asking for feedback from the showing. Honest information from the Buyers and the REALTORS® will help you understand why the property is not selling. Sometimes it is just not the right place, others times, there may be something you can do to correct a problem for potential buyers. For more tips on how to sell your home, go to my website: www.DeannaPalmer.com


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Profile

Beauty Professional Turned REALTOR® By Alex Salazar

We are very pleased with the positive results of advertising in Casa Guam magazine

W

hen Julie Yamamoto first came to Guam as a young twenty something from Korea in 1970, she dreamed of opening her own highend beauty salon in the United States, first starting in Hawaii, then eventually moving to Hollywood. "I didn't know where Guam was, but someone told me it was 20 minutes away from Hawaii," she said. Yamamoto was definitely in for a big shock. She was part of an elite trio of women who was selected from a large pool of beauty professionals in Korea to come to Guam on a two-year working contract for House of Ginza. Originally from the chic neighborhood of Myeongdong — a center for fashion in Korea — Yamamoto was thrust completely out of her element. "[Guam] was so country compared to what I was used to," she said. "I cried almost every night, wondering how I was going to last two years." However, Yamamoto was determined to carry out her commitment and do the best she could with the hand she was dealt. In a short time, she built a network of upper-crust clientele, ranging from politicians to doctors' wives. But in the back of her mind, she still dreamed of setting up shop in Southern California. Finally, after completing her contract, she packed her bags for Beverly Hills. "I was living my dream," Yamamoto said. But a there was a nagging feeling that she couldn't shake off — one that kept pulling her back to Guam. His name was Willie Yamamoto.

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Julie Lee Yamamoto REALTOR®, W. Yamamoto Realty

-Julie Yamamoto

"I started dating him about eight months after I arrived in Guam," she said. "When I left, I didn't even tell him that I wasn't planning on coming back. But I thought, maybe, if I just went back to say goodbye, [I would have some closure]." After six months of working in a Beverly Hills salon, she came back to Guam "just to see," but Willie had other plans — he proposed. They were married on Dec. 2, 1972 and nearly forty years later, she has never looked back. "In my heart, I did the right thing," she said. The couple had two children and Yamamoto continued her dream of owning a salon, opening Hair House in Hagatna in 1976 and it became a popular spot. It is still in operation today. So when exactly did she decide on going into real estate? "When I was working at the salon, I was busy six days of the week, and also taking care of my children and my family," she said. "But when they went to college, I felt like I needed something else." At the time, her husband had left his job in the banking industry and was running a successful real estate brokerage, so she decided to try her hand at it as well. "I loved it," she said. She got her license in 1995, passing with only one try — a difficult feat, especially since English is her second language. "It wasn't easy, but I worked hard." Now, 15 years later, the Yamamoto couple run W. Yamamoto Realty as a small, family-operated company. Willie operates as the principal broker. Julie does most of the rentals and selling. Their daughter, Joy, is an associate broker and owner of Guam Paint Factory

Recognition: Women in Business Award from 8th Guam Legislature for Hair House Beauty Salon; Chairperson for the Guam Board of Cosmetology from 1987 to 1996 Family: Husband: Willie Yamamoto; Children: Wil, 35 and Joy, 33, married to Atty. Arthur Clark; Grandchildren: Ava, 5 and Alex, 3 Hobbies:Running, yoga and spending time with her family, especially her grandchildren Business Motto: "Success is earned through continued education, giving personal dedicated service, having patience and honesty, lots of follow up and helping fellow Realtors succeed." in Harmon Loop. Their son, Wil, is an attorney practicing in Honolulu. When not involved in some aspect of the business or hanging out with Joy's children, Julie Yamamoto enjoys running 5K and 10K races — a hobby she picked up on her 60th birthday. "I may be old, but I don't want to feel old," she said. Taking first place in her age group is not uncommon for Yamamoto either. She's an advocate for trying new things. "It's

never too late," she said. She ran her first half marathon in 2006 and picked up yoga a few months ago. "I have to be in good health to be able to run my business and take care of my family," she said. When asked where she thinks she would be if she hadn't met Willie, she said, "I was meant to be here. God had a plan for me. I have a great husband, great children and grandchildren ... what else can I ask for?"


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22 CasaGuam November 09


CasaGuam.com 23


Curb Appeal

Chain Link, Wooden or Plastic Fence?

doityourself.com

hen enclosing your backyard, garden or pool area for safety or aesthetic purposes, choose between a wooden, chain link or plastic fence. Choose fencing material that is durable, as a yard or garden fence should last several years without having to be replaced.

climbing plants over the fence to conceal the wire mesh and

Plastic Fence

Wooden Fence

W

Pros: Plastic is durable and does not deteriorate easily. These fences are available in various colors, and they will retain their color well for several years. They do not need painting unlike other fence types. Plastic does not collect dirt easily, so cleaning is minimal and easy. The material is lightweight, so installation is simple. Should any damage occur to your plastic fence, repair parts are widely available. Cons: Plastic fences usually often cost twice as much as other fence types.

Chain Link Fence Pros: Chain link is relatively inexpensive and will effectively keep out larger animals. Maintenance is minimal, and a chain link is very durable and will last for years. 24 CasaGuam November 09

Cons: The wire mesh structure is not particularly attractive and provides minimal privacy. However, you can grow small shrubs or improve privacy.

Pros: Many different wood types are available for fencing purposes, giving you flexibility in choosing according to your budget and style preferences. You can easily install a wooden fence yourself and therefore save on costs. Repair and replacement parts are inexpensive and very easy to acquire, and you can even add gates and railings. Decorate your wooden fence with homemade flower boxes. Cons: Maintenance presents more of a challenge with wooden fences. Wood is not very durable and is susceptible to infections by insects and weather. You must regularly apply sealant to protect and maintain the fence, and even apply fresh paint, which may chip over time.


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H o w To D . I . Y.

Building Your Home Hand Tool Kit By Murray Anderson (DoItYourself.com) f you’ve just moved into your first house or just moved out on your own, you’re going to be faced with a bunch of DIY jobs and you’re going to need tools. A combination screwdriver and toy hammer from the convenience store won’t be enough and borrowing tools from a neighbor or your Dad gets old pretty fast. But at the price of tools, who can afford to just go out and buy a full set of tools and besides, how do you know what your really need? Here’s some ideas on how you can go about building your own home hand tool kit while not blowing up your credit cards up as well as some suggestions on what you should be putting into that tool kit.

I

Start by buying tools only when you need them You can keep the cost of building your tool kit low if you just buy tools as you need them. For example, if you’re hanging a picture you need a hammer, a level and possibly some pliers, you don’t need a crescent wrench or a pry bar. So when you go to buy tools, just buy the ones you need for the job at hand. Buy others only as you need them. Some tools are commonly sold in sets (screwdrivers, pliers) so even when you set out to buy only what you need you’ll be getting an added bonus at building you tool kit faster

Buy Quality This sounds expensive, but when you’re buying tools you usually get what you pay for. Buying cheap tools is a false economy, since they often don’t work well, won’t last and when they break, you’ll just end up needing to buy new ones. Buying quality tools don’t mean you need to go all the way up to top of the line, contractor grade tools. There are lots of quality toolmakers that make good quality tools at reasonable prices. Sears Craftsmen and home store brand name tools are good quality hand tools and often come with a lifetime warranty, so you know these tools are made to last.

Watch for sales and special offers Sometimes you need to bend the “buy tools only when you need them” rule. Seasonally and around special days (Father’s Day for example) home and department stores often have specials on their brand name tools. Most times these are good values, so

keep your eye on the ads and flyers and you can pick up some good tools at very reasonable prices. So now we know how to build our tool kits economically, but what hand tools should actually be in our home tool kit?

Here’s the basics Hammer – a 16ounce hammer with a curved claw for pulling nails is a necessity. Choose one with a fiberglass or metal handle with a non-slip rubber grip. Tape measure – a 10-foot retractable tape measure will do for most jobs around the house, but a 16 or even 25 footer will undoubtedly come in handy on some projects. Look for one that retracts automatically and has a locking mechanism Tape measures are often sold in groups of two or three of various lengths so watch for the specials. Screwdrivers – You’re going to need a small, medium and large screwdriver for at least three different screw head shapes - Phillips (X shaped), standard (“—” shaped) and Robertson (square headed). You may also run into a need for a Torx shaped screwdriver (five sided), but these heads are still relatively rare. Screwdrivers are also commonly sold in sets of 3, 6 or 9. Adjustable wrenches – “Crescent wrenches” -again in small, medium and large sizes will allow you to take on most nuts or bolts. Utility knife – Get a metal handled one (not plastic), with a retractable replaceable blade. The metal knife will be easier to work with, less likely to break in action and will last longer.

www.bensonguam.com email: sales@bensonguam.com 26 CasaGuam November 09

Pliers – Again you’ll need at least three different shapes. Needle nose, standard/slip joint and diagonal wire cutters. Look for store brand sets of all three. Hand saw – For small jobs a 14” hand saw that fits into your toolbox is handy to have. While you wouldn’t want to try cutting a 2 x 4 with it, it will certainly do for cutting smaller pieces of wood and since it fits into your tool box, it will always be close to hand.

Level – You can’t go by your eye. A 9” torpedo level (it’ssilhouette is actually similar to a torpedo) fits into any tool box and is good for small jobs like hanging pictures. A 24” or 32” level will be necessary for larger jobs Latching toolbox to hold all your tools. You’d be amazed how quickly tools can scatter when you’re doing a few jobs. Having a toolbox to keep everything in one place will make your life much less aggravating. Finally, a few sheets of sandpaper in a variety of grits (80, 120, 150) and a collection of different sized screws and fasteners (again, often sold in sets complete with a rack and plastic drawers) will complete your handy home tool kit.

Murray Anderson is an experienced freelance writer over 500 articles published on the web as well as in print magazines and newspapers in both the United States and Canada. He writes on a wide range of topics and is a regular contributor to DoItYourself.com. He can be contacted by email at - murand@lycos.com


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Who Ya Gonna Call

28 CasaGuam November 09


Who Ya Gonna Call

CasaGuam.com 29


Classifieds Commercial Sales

Residential Sales

Harmon

Agana

Harmon Industrial M-1 Zone ? Acre Fenced Lot $280000 or Best offer. MUST SELL! Ideal forWarehse/Office PLUS PreConstructed / Unfinished Slab Call/Lv Msg 632-1200

Agana Oceanview : Spacious 3bd/2ba unit. High ceilings add to the spacious feeling! Also for rent @ $1700/mo. Land is Leasehold $189K Call LOUISA 727-8400

Tamuning Business For Sale: Reputed jewelry store in Tamuning looking for new owner. All fixtures, equip., alarm system included. Inventory to be sold seperately at discounted price $20K OBO. Call CHRISTINA - 888-8626 Tumon Salon For Sale : Good income. All fixtures, equip., hair products included. Rent $1,300/mo pwr & wtr included. Facial products can be sold at additional price OBO.$45K. Call CHRISTINA 8888626

Commercial Rentals Hagatna Building has lots of potential, located on Marine Drive. Second floor is a 4 unit apartment apartment. $1500/m. Call DEL 727-7380

Agana Heights Condo. Studio and 1 bedroom units, power/water/basic cable/security included. $38K - $72K $zero DOWN. Call DEE - 727-3777

Chalan Pago Apusento Gardens: Good starter unit, renovated 2br/2ba. Centrally located. Price is negotiable. $115K Call CHRISTINA 888-8626 Ordot-Chalan Pago Land Panoromic view of Pago Bay. Partial paved road up to the bottom corner of the lot. 3,044sm. $460K Call LOUISA 727-8400 Pago Bay: Enjoy a comfortable and quality condo with Ocean View in this 3 bedroom 2 bath 4th floor unit. All Ceramic Tile floors, new paint and upgraded kitchen make this place sparkle. New stacked washer/dryer, new stove, new refrigerator Full backup water and generator, security door entry, pool and more. $330k. Call DEANNA - 688-2855

Dededo

Barrigada Barrigada Office Space! Very convenient, large office space with road frontage access located in Barrigada next door to Subway. $1500/month. Call DEE 727-3777

Dededo Ground floor Available! Corner of Route 16 & Harmon Loop Road! Located at the ParaOceana Business Center. Spaces available for your business today! Call DEE 727-3777

Tamuning Warehouse spaces available for lease! 2,000sqf @ $1500/m, 4800sqf @$3,300/m Call DEE - 727-3777 UIU Building 1000sqft, very nice office. $1143 + com/month Call 637-7165 / 688-0887 /689-7700 Golden Motel Tamuning :Well maintained & established motel near shopping mall & businesses, 26 rooms. Includes free simple land/improvement, equipment & generator.$1.68M Call CHRISTINA 888-8626 30 CasaGuam November 09

Ridge Condo: Well keeped 3bd/2ba, townhouse, along Route 16. Ceramic tile/carpet, balcony, shows well.$155K Call CHRISTINA - 888-8626 Dededo Fixer Upper:Home on more than 1.25 Acre Lot and can be subdivided in to 2 lots. Includes complete floor plan for a huge 5bd/3 ba.$225K Call TRINI 6878340 LAS PALMAS I –Townhouse 3bd/2.5ba excellent cond, pool, security, tennis $200,000 Call 637-7165 / 688-0887 /689-7700 Dededo Duplex:Good investment property. Live on one unit and rent the other. 4bd/2ba Located in quiet neighborhood. $165K. call TRINI 687-8340 Villa Rosario Condo 3bd/2ba, pool, security, clean newly, renovated $155,000 or $1300/month-rent Call 637-7165 / 688-0887 /689-7700

Harmon Sabana Plaza Condo : Well maintained unit. New kitchen cabinet, renovated bath, new steel front security door. Renovated Baths. 4 split a/c. $165K Call DANIEL 867-5115

4Bd/3ba newly renovated house in a quiet location close to the pleasure of Tumon $265K Call DEE 727-3777

Inarajan Inarajan Home: This Beautiful Property overlooks the Inarajan Pier and the beautiful Pacific Ocean. Just a minute walk to the beach. Island living at its best!$265K Call AVERY 988-5263

Daiichi Condo: Unit is in a central location and in excellent condition. The complex has just been painted and is very well maintained. $140,000. Call TONI 6878714 Tamuning: Comfort seaside living, unwind in the serenity of your living room with a beautiful view, pool & bbq. Security to put you at ease and central to shopping and entertainment. $239K. Call DOROTHY 482-3881

Malojloj 3br/2.5, 1746sqf living space, 1200sqm lot, built 1993. $300,000. Call FRANK 8649531

Mangilao University Manor Condo $69,999 Nice 2db/1ba starter unit near UOG, GCC & GWSH. Newly upgraded. Complex has swimming pool, coin op laundry. Call LOUISA 727-8400

Merizo Nice home that needs a little TLC. Owner financing available. Oceanview, 909sqm lot. $99,000. Call PAT - 727-4728

Mongmong-Toto-Maite Great 3bd/2ba home close to Agana and conveniently located. Waiting for the perfect owner. Fully fenced, secured gate. Definitely worth your time! $230K Call DOROTHY 482-3881 House is very well maintained one of a kind find! Garden boasts a variety of plants & fruit trees, ample yard space. Close to Hagatna, shopping, schools. $298K Call DOROTHY 482-3881.

PITI Nimitz Estates - large yard/ lot 4bd/2ba, good neighborhood, nice yard, asking $380K Call 637-7165/688-0887/689-7700

Sinajana Holiday Towers: Come home to a gorgeous ocean and city views from this 3 bedroom 2 bath unit. Imagine being only minutes away from shopping and dining. $ 375k. Call LOU 483-1384

Tamuning Tamuning home; great price in private location. It has everything that you need such as generator, solid wooden door, stainless steel security door, water pump & softener. $289k or $1700/m Call JAMES 482-0498 Great location 3bd/2ba. old vandalized house R2, 929sqm AS IS $297,000 or MAKE OFFER. Call 637-7165 / 688-0887 /689-7700

Villa De Matua: Excellent location in Tamuning. Tenant lease to 10/09 at $900. Might renew. Considered best of 9 units. $160K. Call DANIEL 687-5115 First floor unit is across GPO Theaters and near Cost U Less in Tamuning.Two assigned parking. Property is fully fenced with swimming pool. Well maintained complex. Sale on AS IS BASIS. Tenant needs appointment to show. $205,000 Call 637-7165 / 688-0887 /689-7700

Tumon Villa De Coco: Condo Large 2bd/1ba excellent condition fee simple $220,000 Call 637-7165 / 688-0887 /689-7700

Yigo 2 Yigo Homes: Investment Oppportunity! Two homes on one lot. Rent out both or live in one and rent the other out. $350K Call LOUISA 727-8400 Perez Acres: Great gated community living w/mail delivery, sidewalks, 2 pools, basketball court & cabanas. Patio enclosed & was used as an office. Unit is tiled & has beautiful wooden stairs. $235,000. Call JUDY 482-7775 Trophy Condo Yigo: This new condo unit is on the 1st floor w/new appliances & split a/c's in Open layout w/large bedrooms.$180K or $1,200/mo Call DANIEL 687-5115 Sagan Ipaopao: Motivated Seller! This is family freindly neighbrhood located only 15 mins from AAFB & less than 10 mins from the malls, banks, grocery stores, & restaurants.$179,500 Call AVERY 988-5263 Yigo Ranch Style Home: PRICE REDUCED! Spacious ranch style home is a must see! BRAND NEW maple kitchen cabinets & ceramic tiled floors! $375K Call LOUISA 727-8400

Yona Yona Home: Beautiful Home with gorgeous view. Backyard has 2 levels. Upper level has spectacular view of Manengon Hills. Durable Corian Counters. Power SAVING Silicone Painted Roof. $295K call AVERY -988-5263


Classifieds Beautiful brand new 4bed/3ba executive home, minutes away from Talofofo Golf Course. Home has custom kitchen with granite countertops, Jacuzzi Tub, enclosed garage, generator ready and much more. $651k Call VIC 483-7518

Residential Rentals Anigua Ark Apartment Anigua - 1 to 2 bedroom units $550 - $650/month. Call DEE 727-3777

Asan Great rental for the Diving enthusiasts. This 2 story Unit is ideal for Military members wanting to live off base and split the expenses. Lots of storage, extra large covered patio and extra large rooftop patio. Split a/c unit and gas water heater and stove. $3,000/m. Call DEANNA - 688-2855

Agat Just newly renovated 2bd/1ba, worth a look! Close to Navy, comfort all around, close to conveniences and beaches, come relax and unwind. $1,200/month. Call DOROTHY - 482-3881

DEDEDO: 1bd/ 1ba across Circle Park, Nr Church, Schools & MallsCall/Lv Msg Ph:988-3592; Welcome Sec 8 / Military Las Palmas Ph III 3bd/2.5ba + 2 dens excellent condition, sec., pool $1,700 Call 637-7165 / 688-0887 /689-7700 Large Apartment 2bd/2ba w&d, shutters, nice, near schools sec 8 ok $800 - $830 Call 637-7165 / 688-0887 /689-7700 Villa Rosario – First Floor, Large unit 3bd/ 2ba patio leading to large yard, complete renovation like brand new, walk-in closet, pool, security $1,500/month. Call 637-7165 / 688-0887/689-7700

Harmon SABANA PLAZA Large 3bd/2ba Condo,2nd floor, very clean fully furnished $1,300 Call 637-7165/688-0887/689-7700

Mongmong-Toto-Maite Maite - Large 2bd/1ba very clean near Townhouse $800/m Sec 8 OK Call 637-7165 / 688-0887 /689-7700

Mangilao

Barrigada

Villa De Oro: This 3bed/2ba comes with two parking stalls and is in good condition,just minutes away from the grocery store, schools, gas stations and much more. $1,300/m. Call KAMAKA 689-2553

2 bd/1ba with yard, including water $ 750/m Sec 8 ok Call 637-7165 / 6880887 /689-7700

Tamuning

Large 2bd/1ba tri-plex. First floor yard including water $ 800/m Sec 8 ok Call 637-7165 / 688-0887 /689-7700

Chalan Pago Pago Bay Ocean Front Delight! 2bed/2bath w/extra room. Duplex! Newly Renovated & upgraded. Enjoy island paradise living.$2,400/mo. call LOUISA 727-8400

Dededo 1 Bd w/ Ref / Oven/ Typhoon Shutters Good location Walking Distance to church, schools Payless & flea market. Sec 8 / Mil OK Call / Lv Msg at 988-3592 Dededo Home: Brand new house. Very Private with nice valley view. $2,200/mo Call TRINI 687-8340 Dededo Home near Hafa Adai village. Spacious 4 bedroom 2 bath, 1 den. Granite kitchen courter top. Marble floor. A must see.$1,700/mo. call TRINI 687-8340 DEDEDO: 3bd/ 3ba across Circle Park, Nr Church, Schools & Malls Call/Lv Msg Ph:988-3592; Welcome Sec 8 / Military

House for rent, 3bd / 3.5 ba, 2-car garage, 3800sqf living space, Excellent condition. $4,500/m Call Frank 864-9531 Great Location near the Sheraton Hotel and Oka Towers. Laundry inside, Nice size kitchen with lots of cabinets. Marble in bathrooms, nice high ceilings and central a/c unit. All windows have accordion typhoon shutters, 2 car parking and security door entry. Live close to beaches and across from a new executive subdivision.$ 1700/m. Call DEANNA -688-2855 Beverly Palm, large 3bd/2.5 ba + den. You will enjoy living is this convienently located complex off Ypao Rd in Tamuning. This spacious unit also includes a separate den/family room next to master suite. Extra high ceilings in living/dining area..plus a nice upgraded kitchen. Amenities..huge balcony(length of complex),mail box and pool. BASIC CABLE TV INCLUDED. $1,900/m Call 637-7165 / 688-0887 /689-7700 Tumon Height Court - Very nice unit on the first floor of this well maintained condonimum complex off Ypao Road near Royal Gdn and SDA Clinic. Comes with two open assigned parking and use of pool. $1350/month Call 637-7165 / 6880887 /689-7700

Tumon

Inarajan

PIA Marine Condo.Next to Golf Driving Range. Security guard, pool, tennis court, Restaurant, Shop & Bar in lobby. $1,700/mo Call TRINI- 687-8340

Inarajan land for sale: 5278sqm. Beautiful Inarajan land formerly used as a tree farm. $110,000. NEGOTIABLE! Call PAT 727-4728

Tumon Height or Ypao Garden 2nd floor 2bd/2ba, pool newly renovated, ample parking $1,200/mo Call 637-7165 / 6880887 /689-7700

Ipan-Talofofo

Blue Lattice: Enjoy all the amenities this complex offers such as pool, security, mail delivery, back up power and water, to name a few. Walking distance to Beaches will have you wanting to stay on Guam longer. $1,800/m. Call DEANNA 6882855 Tecio Condo: Enjoy a comfortable and quality condo with Ocean View in this 3 bedroom 2 bath 4th floor unit. All Ceramic Tile floors, new paint and upgraded kitchen make this place sparkle. New stacked washer/dryer, new stove, new refrigerator Full backup water and generator, security door entry, pool and more. Call for your showing appointment. $2,250/m. Call DEANNA -688-2855

Yigo Paradise Estates: Nice townhouse 3 bedroom 3 bath in Ypaopao,fully fence, few mins drive to AAFB, nice neighborhood. $1,900/mo. call TRINI 687-8340 High up on the hill overlooking the northern end of the island. Breezy winds blow constantly creating a green cooling effect for your new home.$950/mo. Call AVERY 988-5263 Brand new 4bd/3ba units. Great neighborhood, professional lanscaped. Mins from AAFB. Several to choose from. Great family atmosphere. $2600/month. Call PAT 727-4728.

Land For Sale Chalan Pago Chalan Pago Land: Investor/Developer special. Centrally located fronting Rt4 1.75+ acres commerical land. Rental income $3,000/mo. Motivated seller.$1.1M Call CHRISTINA 888-8626

Dededo Rt. 16 Acho Latte St. Near MIDPAC, 1,970 Âą sm land $100,000 Call 637-7165 / 6880887 /689-7700

Get the last parcel available in this sub-division. It has it's own private driveway & it's location puts it out of view of regular traffic. This property is a 10 min walk to the beach.$65K Call DANIEL 687-5115

Piti Piti Land: This is an excellent road frontage property w/high visibility for any business, most especially w/the build-up by the military just around the corner.$500K Call DANIEL 687-5115

Tamuning Over an acre of M1 zoned land in a secluded & safe spot within Harmon Industrial Park. At about 50 cents per square meter, it won't last very long.$3K Call DANIEL 687-5115 Build your dream home on this one of kind subdivision, with many amenities including a park, swimming pool, tennis court, secured entry and much more. $500k. Call ROWENA - 777-4317

Yigo Development property. Developer alert. Perfect for subdivision. Panoramic views. Rt 15 frontage 1 mile south of AAFB back gate. 53,830sqm. $35/sqm Call PAT 727-4728

Yona Over 4 acres of argricultural secluded property in Yona with private access. Priced to sell TODAY at $19.83/sq.m. Hurry, property is moving fast and furious!$325K Call AVERY 988-5263 Most AFFORDABLE & UNIQUE You'll will enjoy a panoramic view of 2 golf courses (CCP & Onward Talofofo Golf Course) & the beatiful Pacific Ocean.$150K Call AVERY 988-5263 Land for sale: 104,688sqm. Slight sloping terrain. View of Mangilao & Pago Bay. Water and power within the vicinity. $14.33/sqm Call FRANK 864-9531 CasaGuam.com 31


Closing

The Community Choice in Real Estate Act By Peggy Araullo Llagas The Guam Association of REALTORS® would like to publicly thank U.S. Delegate Madeleine Bordallo for Cosponsoring “The Community Choice in Real Estate Act” Congress has permanently ensured that local consumers will continue to have a choice in real estate by keeping banks from getting into real estate brokerage. This reinforces America’s tradition of keeping banking and commerce separate and keeps real estate markets competitive. Homebuyers and sellers can rest assure that they’ll continue to receive local, personalized service from their neighborhood real estate professionals. REALTORS® thank you for protecting consumers and keeping the market competitive!

Guam Association of REALTORS® The Voice for Real Estate on Guam 414 West Soledad Avenue, GCIC Building, Suite 500-U, Hagåtña, GU 96910 Office: (671) 477-4271 • Fax: (671) 477-4275 www.guamrealtors.com • email: eo@guamrealtors.com

32 CasaGuam November 09


CasaGuam Vol. 2 Issue 11  

November 2009 Vol. 2 Issue 11 - Talo Verde New Level of Fine Living Departments - Market Report: Bracing for the Boom Feature: Still Build...

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