JAN ‘17 13
OPERATIONS MANAGER Doris C. Mendiola SALES MANAGER Vic Gaza SENIOR ACCOUNT EXECUTIVE Ryan James ACCOUNT EXECUTIVES Mike Salas Mitzilyn Danila-Figueroa Marc Catahay Aisha Fernandez CREATIVE DIRECTOR Michele Blas PRODUCTION ASSISTANT Nadine R. Domingo WRITERS Josie Moyer Cheerful Catunao P.K. Kahn Alex Rhowuniong DISTRIBUTION Brandon Babauta Austin Babauta PRESIDENT Susan Biolchino VICE PRESIDENT SALES & MARKETING Jessie Rosario
+1(671) 472-2363 | gssguam.com 167 Serenu Avenue, Tamuning, Guam 96913 Guam Super Shopper is published bi-weekly by All Micronesia Media, Inc. 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 or any kind, arising from the wording, text, graphics, or representation 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 submissions become wholly the property of Guam Super Shopper and cannot be copied in any form without the express written consent of the publisher. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use. Copyright 2017. All rights reserved.
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FURNITURE O U T L E T
4 Pc. Queen Bedroom Set $
Mattress & Chest Set Not Included.
Twin Bunkbed with 2 Spring Mattress
(Code: 2DP MP-1622)
2-Door Shoe Cabinet $
7 Pc. Dining Set
Sofa & Loveseat Recliner $
Sofa & Loveseat $ (Espresso)
Located at the Harmon Industrial Park
Mon. - Sat. 10 a.m. - 6 p.m. Sunday 1 p.m. - 5 pm.
FREE DELIVERY & ASSEMBLY Minimum of $300 purchase.
Expires 1/31/17. *Delivery schedule subject to availability.
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By Josie Moyer
uying a home for the first time is an exciting process that can quickly turn into one of uncertainty and frustration if you are unprepared and unable to stay on track. Here are some tips to help you have a positive home buying experience.
1 CHECK YOUR CREDIT SCORE
Before you even start looking for a house, request a copy of your credit report. Credit reports are kept by the three major credit agencies: Experian, Equinox and TransUnion. This means you have three different credit scores, one for each report. Credit report errors are common so carefully examine the reports and clean up any errors before you talk to a lender. It could take several months to resolve credit report errors, but itâ€™s vital to present an accurate
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credit report to a lender because a low credit score can affect your chance at getting the best interest rate, or getting financing at all.
OUT HOW MUCH 2 FIGURE HOUSE YOU CAN AFFORD You can start with an online calculator, but for a more accurate figure, ask your lender to pre-approve, rather than pre-qualify, you for a mortgage. Pre-approval means youâ€™re cleared for a loan of a specific amount. Pre-qualification only tells you how much you can afford. Your lender will answer your questions on how much is required for a down payment and whether you qualify for options such as a VA Home Loan. This is a good time to evaluate your lifestyle and consider any changes that will effect the amount
TIPS & advice of space and number of rooms you’ll need in the years ahead, such as growing a family or starting a home business. Remember: just because you’ve been approved to buy a five-bedroom house doesn’t mean you have to buy it, especially if it’s way more than you need.
A TOP-NOTCH 3 FIND EXPERIENCED AGENT Real estate agents are important partners when you’re buying a home because they can provide you with insider information on houses and neighborhoods that isn’t readily accessible to the public. Their knowledge of the buying process, their skills at negotiating, and their familiarity with the areas you want to live in are all valuable resources. So choose an experienced agent who can answer all of your questions and explain every detail of the buying process.
SEARCH FOR A HOME AND MAKE AN OFFER
Tell your agent what villages/neighborhoods you want to live in and what your budget is. It’s a good idea to also tell your agent to only show you properties that fall within that range. Look at as many homes possible and take your time during the process. As you view homes, consider the property’s positives and negatives, including the surrounding areas. And if there’s a home you’re interested in, don’t just visit it once. Go back several times, at different times of the day. It might help to bring a friend for objective feedback. Once you find the house you want, your agent will move quickly to make your bid, and guide you through the next steps of entering into a contract, securing a loan, getting a house inspection, and finally, closing the deal.
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A DIVISION OF CAR FINANCIAL
THE RIGHT CHOICE!
Serving consumers, business and industry for over 20 years with operational presence in over 46 states. Our parent company Car Financial is a nationally recognized leader in the financial services industry. We specialize in providing customized retail financing programs designed to meet the individual needs of businesses and individuals. Our comprehensive retail financing services include: Auto dealer floor planning • Closed-end contract financing for tires, jewelry, furniture, appliance and electronics • Accounts receivable (bulk) purchasing • Buy Here Pay Here Dealer purchases • Small loans • Home equity loans An example of Express Financial’s expertise involve: Appliance, Furniture, Tires and Jewelry to name a few! When you think quality service and dependability, think Express Financial! Express Financial offers you a retail financing program to improve operating efficiency and increase sales. Our people, technology, and tradition of quality service makes teaming with Express Financial the right choice. Contact the Express Financial office on Guam or Saipan closest to you today to GUAM SAIPAN learn more! Chalan Monsignor, San Jose Village 600 Harmon Loop Rd. 107 Saipan, MP 96950 Dededo, Guam 96929 Tel: (671) 637-9834 Fax: (671) 633-0412 Tel: (670) 235-6032 Fax: (670) 235-6040 Fill out the attached application, scan and email to firstname.lastname@example.org and a friendly member of our sales team will call you.
Quick Cash Application
THE RIGHT CHOICE
Primary Applicant First Name:
Length of Employment: Home Phone:
Secondary Applicant First Name:
Last Name: Length of Employment:
Best Time & Number for Express Financial to contact you:
Best Time & Number for Express Financial to contact you:
Best Time to Call
Best Time to Call
Best Number to Call
Mailing Address: Street/Box
Express Financial is located at 600 Harmon Loop Road, Ste. 107 Dededo, GU 96929 (across from Cost-U-Less)
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Best Number to Call
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REAL ESTATE DIRECTORY
Absolute Realty Tel: 989-8003 Email: email@example.com www.absoluterealtyguam.com
Blue Pacific Realty Tel: 648-1960 Email: firstname.lastname@example.org www.bluepacguam.com
Adaâ€™s Trust & Investment Inc. Tel: 472-9830 Email: email@example.com www.absoluterealtyguam.com
Advance Management Inc. Tel: 649-6488 Email: firstname.lastname@example.org www.amiguam.com
Alliance Realty, LLC Tel: 637-3333/4 Email: email@example.com www.alliancerealtyguam.com
Buena Vista Realty, LLC Tel: 687-7362 Email: firstname.lastname@example.org
Apex Realty Tel: 649-2800 Baba Corporation Tel: 649-5050 www.baba-guam.com Banyan Properties Tel: 649-1498 Email: email@example.com www.banyanpropertiesguam.com Beacon Realty Group LLC Tel: 653-5757 Email: firstname.lastname@example.org www.beaconrealtygroup.com BHI Realty Tel: 637-7431 Email: email@example.com www.bhirealtyguam.com
Captain Real Estate Group Tel: 472-1819 Email: firstname.lastname@example.org www.captainrealestate.com Century 21 Commonwealth Realty Tel: 649-2121 www.guamparadise.com Century 21 Realty Management Company Inc. Tel: 647-5003 Email: REMCO@guam.net www.guamproperties.com CMC Development Group Inc. Tel: 727-9260 Email: email@example.com Cochran Realty Tel: 472-2934 Email: firstname.lastname@example.org January 13, 2017 | Guam Super Shopper | 9
REAL ESTATE DIRECTORY Coral Sea Realty Tel: 649-6088 Email: email@example.com www.coralsearealty.com Cornerstone Valuation Guam, Inc. Tel: 649-6580 Email: firstname.lastname@example.org www.cornerstonevaluation.com Del Carmen Investments Tel: 646-0414 Email: email@example.com www.dciguam.com
Fujita Property Guam, Inc. Tel: 646-6825 Email: firstname.lastname@example.org Guam Capital Investment Corporation Tel: 477-1389 Email: email@example.com www.gcic.net Guam Realty Finder Tel: 647-4140 Email: firstname.lastname@example.org www.guamrealtyfinder.com
E Realty Tel: 777-4096 Email: email@example.com
Heritage Realty Guam Tel: 646-0935 Email: firstname.lastname@example.org www.heritagerealtyguam.com
Edge Realty Tel: 646-3343 Email: email@example.com www.edgerealtyguam.com
Horizon Properties Tel: 646-7616 Email: firstname.lastname@example.org www.horizonpropertiesguam.com
Ellenâ€™s Realty Tel: 647-0888 Email: email@example.com www.ellensrealtyguam.com
Ideal Realty Tel: 649-1883 Email: firstname.lastname@example.org www.guamidealrealty.com
Fortune Realty Tel: 653-8889 Email: email@example.com
Ironwood Property Management Tel: 633-4348 Email: firstname.lastname@example.org www.ironwoodguam.com
Freedom Realty Tel: 488-2218 Email: email@example.com
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Isle Properties Realty Tel: 687-5028 Email: firstname.lastname@example.org
Jose Realty Tel: 797-8888 Email: email@example.com www.joserealtyguam.com
Realty Partners Guam Tel: 649-3980 Email: firstname.lastname@example.org www.rpgguam.com
LandMark Realty Group & Services Tel: 646-8906 Email: email@example.com www.landmarkguam.com
Remax Diamond Realty Tel: 479-9532 Email: firstname.lastname@example.org www.remax-diamondrealty-guam.com
Latte Stone Properties, LLC Tel: 647-5577 Email: email@example.com www.lattestoneproperties.com
TDN Realty Tel: 777-5253 Email: firstname.lastname@example.org
MACKS Realty Tel: 646-9870 Email: email@example.com www.macksrealty.com
Tanota Partners Tel: 646-1384 Email: firstname.lastname@example.org www.tanota.com
Mi Joo Realty Tel: 646-8551 www.mijoo.co
Titan Realty Tel: 479-4663 Email: email@example.com www.titanrealtyguam.com
Oka Guam Realty Tel: 488-0188 www.okaguamrealty.com
Todayâ€™s Realty Tel: 649-4361 www.guamhome.com
Pacific Rim Realty Tel: 649-0677 Email: firstname.lastname@example.org www.guamrealestateonline.com
Triple J Real Estate Tel: 648-6002 Email: email@example.com www.triplej.net
Pacifica Real Estate Tel: 989-8000 Email: firstname.lastname@example.org www.pacificaguam.com
Veteranâ€™s Choice Realty Tel: 649-0725 Email: VCRealty@Guam.net www.veteranschoicerealty.com
Platinum Properties Tel: 472-7428 Email: email@example.com www.platinumguam.com
W. Yamamoto Realty Tel: 689-3333 Email: firstname.lastname@example.org
Premiere Properties Management Tel: 649 4663 Email: email@example.com
Welcome Home Realty Tel: 653-9474 Email: firstname.lastname@example.org www.welcomehomerealtyguam.com
Property Shop Tel: 686-1446 Email: email@example.com www.propertyshop.shop
World Realty Tel: 688-7355 Email: firstname.lastname@example.org www.guamworldrealty.com January 13, 2017 | Guam Super Shopper | 11
New Year, New Energy By P.K. Kahn
part from the perennial resolution to get healthy and fit, or lose weight to be more energetic, you might want to consider switching to solar energy for your home. Solar power is catching on in Guam. According to Chris Babasa of Micronesia Renewable Energy, there are more than 1200 homes in Guam who have switched to solar for their energy needs. Apart from contributing to a cleaner environment, making the switch brings enormous financial savings in the long term. While oil prices increase every year, solar prices at kilowatt per hour keep going down. This year, oil prices are expected to increase by 8% in February and another 8% in August. Power bills can be reduced by 50% or more when switching to solar power. So how does one make the switch? First, you do have to own the home to authorize the new installation. Or, if you are a renter, you could convince your landlord to switch to solar power. Second, do some research on the internet on solar energy. Find out how it works, what options and incentives are available for you, what types of roofing can be fitted with panels, how long the installation takes, and other in-
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formation you might need before taking the next step. You can then start calling a professional from the handful of solar energy companies that are on the island. Some companies give a free consultation. Be sure to have your questions ready to make full use of the consultation time given to you. Itâ€™s important that you get a clear idea of the present and future costs your switch will entail. If you are getting a loan to finance the switch, you may see a return on your investment within 6 to 8 years. Once you sign an agreement with a solar company, you begin the process of installing the solar panels and switching power providers. The process can take up to three days. You will start paying a lower monthly power bill, plus a flat monthly rate for the installation. And, with the Net Metering Program established by the Guam Utilities Commission, any unused Kwh net metering credits can be carried forward from month to month; and, at the end of 12 months, you may either elect to have unused credits carried forward, or sell them to GPA. So with all these benefits, why wait? Thereâ€™s no better time to start your path to a future of cleaner energy than 2017! Call your renewable energy provider to become a conscientious energy consumer. Make the switch now!
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Gardening FOR GOOD HEALTH
By Cheeful Catunao
ardening is great for your health, and maintaining your own yard presents a perfect opportunity to keep it healthy and beautiful. Spending time maintaining you garden reduces stress, releases “feel good” hormones that cause higher self-esteem, and reduces the risk of dementia and Alzheimer’s. In Guam, we’re lucky to have heaps of rain, nutritious soil, and an abundance of sunshine. So you can skip the chemicals, and synthetic products in order to promote a healthy garden. Here are some tips in starting and maintaining your garden in paradise. Connect with local farmers. For those that want to get started on gardening, one place to start is to meet your local gardeners. You can find them selling fresh local cherry tomato and basil plants, and orchids at your local village’s night market or at the Dededo flea market on Saturday and Sunday mornings. For any novice gardener, connecting with local farmers will offer to you a valuable insight on their experiences and it provides you a rich opportunity to support local. Pick a place for your garden. Start small. A small garden will require less material and less work. Depending on what
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type of plants you are planning on growing, be mindful of how much sun, shade, wind, and rain the area receives. Be sure not to keep your garden too close to any buildings or tall tress that may cast shadows on your plants! Select rich soil. Avoid dense soil, like clay-like soil, because it may hinder the plant’s roots from growing. Organic soil is great soil. You can create carbon and nitrogen rich soil by combining organic material, like dead leaves, plants and even coffee grinds and fruit peels, with soil. Over time, your compost in combination with soft fluffy soil will create a nutrient and mineral rich soil that will enhance your plant’s growing process. Limit the growth of weeds. Once your garden is flourishing, limit unwanted plants growing around your garden. Weeds will rob your garden of valuable nutrients. You can control its growth by removing the weeds to the root by hand or by mulch. Tending to your garden requires patience, time, and labor. But in the long run, the rewards are worthwhile and beneficial to your health. By using the tips above, you can be well on your way to starting and maintain your own garden!
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Place your classified ads by phone, fax, email, or drop-off. Phone: Fax: Email: Drop-off:
CLASSIFIEDS EMPLOYMENT HANSSEM CABINET Looking for experienced finishing carpenter/installer. Minimum 3 yrs. 727-1111. 1926001
ROOMS AVAILABLE FOR RENT – Ysengsong, Dededo. Single or couple preferred. Serious inquiries only. Call 988-5549. 2001002 DO YOU KNOW YOUR BUSINESS MONEY CORNER? HOW ABOUT YOUR PERSONAL MONEY DIRECTION? Call 988-6168, email@example.com. 1924001
REAL ESTATE LAND
NCS – Route #3 road front lot 1,770sm $125,000 Owner may consider financing. 482-2696. 1918004 TOTO (HOUSE LOT) – Road front, near Lujan’s Junkyard and J.Q. San Miguel School. ($55,000) 482-2696. 1918005
472-2363 472-2361 firstname.lastname@example.org 167 Serenu Avenue Tamuning, Guam 96913
Classified placement deadline for the January 27th issue is January 20th.
Super playful and full of spunk, Blooberri is just the cutest. She is 9 weeks in age and boasts a full coat of honey-red, with eyes to match. Wrinkles are in season because Blooberri is full of them and wears them quite well. Stop by the shelter and see how lovely she is in person. You won’t regret it.
1 year old Brooklyn is undeniably a sweetheart. She is still a bit shy and likes things to be taken a bit slow. She is in the process of learning quite well on the leash. She is in love with the play park, especially when she gets to swim in the pool. She is mostly brown with with white splashes and black on her muzzle. She is absolutely gorgeous. Average sized and beautiful, she will do quite well within a loving family. GAIN is open everyday, except holidays from 9 a.m. - 5 p.m. For more information please call 653-4246
REAL ESTATE FOR SALE HOUSE FOR SALE BY OWNER – Baza Gardens, Yona. 3bd/2ba with a 1bd/1ba w/kitchen extension. Call 687-5235. 2001001
FEATURED PETS Ingel
12 month old Ingel loves to love you. She is a bit of a mellow cat but is never too mellow to tickle your fancy. She is classified as a “Torbie” in coat pattern and color, which compliments her eyes quite remarkably. She loves any type of sweet lovin’ so come up and see Ingel while she is still here.
FEATURED PETS (Continued)
At 13 weeks old, this little guy can knock your socks off with charm. Kristoff is fully black in color with the most mesmerizing jade green eyes you have ever seen. He loves to be heard, as he purrs his life away quite verbally. He is one for lap pets and cuddles any time of the day. He will surely love you all day.
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UNIQUE Barrigada Home
By Alex J. Rhowuniong
Check out this amazing Barrigada home on 122 Concepcion Rd., nearly across Untalan Middle School. It’s got everything you dreamed of, and more! Karen Pan, co-owner of the house with her husband, explained that the construction of the house signaled “the new era of construction on Guam” where ordinary concrete houses will look different from now on. Instead of the traditional concrete houses you see on the island, hers was built with a lot of high end aluminum and glass...both typhoon and rust proof. “You know, in Guam everything gets rusty,” said Enyong Jin, Pan’s husband, “so I use aluminum to keep the house rust free.” Jin paid extremely close attention to every detail of the construction of the house to make sure all of his specifications are met. Because he designed and later renovated the house with you in mind: • If you don’t like bugs and geckos inside your house, Jin custom-built that house just for you. He’s got aluminum screens all over the back side of the back porch behind the house where you’d be doing most of your barbequing. When you’re not cooking outside, you can close the screens and completely shut out flies, mosquitoes and other bugs. When you
shut the glasses, the geckos get gone too... so are the annoying droppings. But when you invite over friends to barbeque, open the back kitchen, converting it into an outdoor kitchen and all the screens to let the smoke escape. • If you want to conserve and spend less money on energy... he’s got you covered in that regard also. All the outdoor lights are solar-powered. All indoor lights are single-switched to dim and brighten the rooms according to your preferences or the occasion. If there is need for only one or two lights in each room, then that is all the switch you turn on. Plus, when you close the glass windows to the outside, you trap cool air in the house. The air condition units won’t need to pump out cold air as much, leaving you with low monthly bills. In fact, even with the AC on all day every day, Pan said the monthly power bill is consistently around $140. • If you enjoy variety, he certainly made sure you would get all the variety you wanted in a house. “There are no two rooms alike,” Jin said, adding that every single room in the house is different... from the light fixtures and the lights under the ceiling all the way down to the tilings on the floor. For instance,
the main kitchen is open into the living room, it’s table is a 5-inch thick white granite with a dishwasher and dish-racks built underneath it. The back kitchen with its own bathroom with a mini-washer inside is also open into a family room/ bedroom. Everything in these four rooms are very different. • And if you like to party, he has a particular smile in his heart picturing your reaction after you discovered the amazing things you could do when partying in the house. With music blaring in the living room, the person in the family room will never hear a peep as soon as you close the glass windows separating the family room from the living room. In the family room also, when you close the window leading outside, the typhoon will rage on but you will hear nothing! • And the typhoons? Jin said frequent typhoons on Guam will not touch the house. It’s practically a solid glass cave. When you shut the glass windows capable of withstanding winds with a minimum of 175mph and up to 265mph, you hear nothing inside, Jin added.
An originally three-bedroom house renovated and expanded into a 4br-5ba, the greyish looking house on 122 Concepcion Rd., is one of the most amazing places you will ever see on Guam. And, yes, we already have many elegant million-dollar homes on our island, but none so unique. Even as you enter the gate, right away you will know this is a special house. A sliding gate opens the view of the house to a well groomedlawn with beautiful Japanese grass that rarely requires
cutting. A few small palm trees are spaced out on the lawn to give it a nice uncluttered look. Right in front of you is a garage convertible with folding glass for a side, the only part of the house that is not typhoon proof. To the left behind the garage is a large shed for added storage. All other windows on the house, he added, are custom-built to withstand up to 265 mph winds on typhoon haven Guam. Not only are they that sturdy but the exposed parts of the house are ex-
tremely rust-proof The final touch on this house is its own back-up generator. Jim wants to make sure you are independent with your power source whenever you want to, especially during typhoons when all power lines usually are knocked down. For more information or for a personal tour, contact Enyong Jin with JP Real Estate Development, LLC at 988-6528 or Karen Pan with Ideal Realty at 988-1883.
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