051724 Real Estate Directory

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Home designs that evoke the flow of water

Water is a popular motif with product designers because it symbolizes tranquility and clarity. But this force of nature also “adds movement, freedom and flow in a space,” said Golnar Roshan, who with her partner, Ruben de la Rive Box, recently introduced a rug collection called Fluid that evokes the moody skies reflected in the canals of Amsterdam, where they live.

“I like to mix worlds that seem far apart, create unexpected connections and imaginative short circuits between things,” Paola Navone, a designer in Milan, said of her collection of new pendant lights with diffusers of milky white or limpid blue glass that visually create an oceanic sway. (The lamps are called Oblp, which is Italian for “porthole.”)

These and other fresh, splashy products are presented here.

The interlocking handblown vases by Los Angeles artist and designer Mansi Shah — part of her first housewares line, Manu Nanu — fit together like molecules. “The glass itself possesses a water-like quality,” she said, adding that she likes to keep the vases on a windowsill, where sunlight passes through and casts shadows that “dance and shift like

How to buy a home in a high interest rate environment

The Wave series produced by Kast, an English concrete basin company. Symbolizing tranquillity and clarity, water is the inspiration behind many brands’ creations.

ripples.” Available in amber, cobalt blue and teal for $80. manunanu.com

After producing a ceiling lamp with a bulbous glass filament that rises from the center to evoke a water drop splashing in a pool, Beacon Custom Lighting followed with its Pond decanter. Designed by Dean Maltz, a New York City ar-

Following years of all-time low mortgage interest rates, 2023 saw rates fluctuate between 6 percent and 8 percent, complicating the plans of some homebuyers. What many renters who are looking to become homeowners may not realize is that mortgage rates are only one aspect of affordability, which should be viewed as a three-legged stool: home price, mortgage interest rate, and down payment.

Even in a challenging interest rate or home price environment, private mortgage insurance (MI) can be used to help low down payment borrowers with the dream of homeownership.

So, if the home price is within range, how much cash do you need for a down payment? You may think it is 20 percent, but the truth is, you can qualify for a mortgage with as little as 3 percent down.

According to U.S. Mortgage Insurers, private MI has helped nearly 39 million borrowers access homeownership with low down payments. Further, private MI helped nearly 800,000 homeowners purchase a home or refinance a mortgage in 2023, with nearly 35 percent having incomes below $75,000 and more than 64 percent of those loans going to first-time buyers.

In addition, the most common form of private MI, paid monthly by the borrower, helps homeowners begin building equity sooner and is also only a temporary cost that can be cancelled after 20 percent equity is established. Importantly, once private MI is cancelled, the monthly mortgage payment goes down, unlike loans backed by the Federal Housing Administration (FHA).

Each homebuyer’s finances are different, therefore it is important to do the math before buying a home. If you’re interested in learning more about private MI, visit lowdownpaymentfacts.com to learn more about your homeownership options.

chitect, the handblown carafe is $260. beaconcustomlighting.com

Chinese American artist Tina Scepanovic discovered what she described as the “hidden power” of water while swimming competitively as a teenager. For her Narcissus catchall, she applied the loose gestures of Chinese brush painting

to metal sculpture to encapsulate the object’s qi, or vital energy. “The pool form is a portal into another dimension,” she said. Available in bronze or white brass for $650. oblist. com

“To construct or deconstruct, water is your tool,” said Joseph Algieri, a New York City designer. In his Construction vases, a flood of pigmented foam breaks through the ceramic barriers, defeating any expectation that water should be contained in a vessel. Available for $850. josephalgieri. com

“I am a Pisces and water is my natural element,” said Paola Navone about

Oblò, her nautical-inspired lighting for the Italian company Lodes. The pendant lamps are suspended like buoys with “no sense of earth or gravity,” she said. Available in three bulbous shapes and five finishes; price upon request. lodes. com/en/

The Windy collection by Oki Sato, founder of the Tokyo design studio Nendo, consists of grès porcelain tiles with subtly incised patterns like the marks made by a breeze on the surface of water, rice paddies and grasslands. The tiles, which are produced by Decoratori Bassanesi, come in four patterns and four colors: Rice, Almond,

Dolomite and Pepper, at $18 per square foot. decoratoribassanesi.it

Describing the origins of her Fluid rug collection for the Dutch company Moooi, Golnar Roshan of Amsterdam design firm Rive Roshan recalled that the floor of her canal-side studio “was almost level with the water, a few feet from the front door.” She added, “The way it rippled and reflected the light and the sky had this intriguing influence.” Available in rectangular and circular versions, from $3,250. moooi.com/us

The Wave series produced by Kast, an English concrete basin company, complements the bathroom’s default theme of water. The curvy fixtures, called Tilde, Dune and Prim, are available in 28 colors — including Storm (blue) and Brick (terra cotta). The Dune basin shown is $3,225. kastconcretebasins.com

The rim of the Tanba basket by Enkay follows the sinuous lines of a river. “Water motifs have an enduring place in interior design because of the softness they bring to spaces, especially as accents,” said the company’s founder, Asha Chaudhary. The baskets are handwoven with ilala palm leaves sourced from Zimbabwe. The small version is 18 inches in diameter and $408. enkay.com

thegardenisland.com THE GARDEN ISLAND Friday, May 17, 2024 • B3
HANDOUT VIA THE NEW YORK TIMES HANDOUT VIA THE NEW YORK TIMES Windy collection porcelain tiles by Oki Sato, with subtly incised patterns like the marks made by a breeze on the surface of water.
BRANDPOINT

I, Richard Patey, am trying to locate Roy Borja re obtaining bill of sale for boat vessel Lightening 12ft.HA 15719 808-651-1735 Singitsuz@yahoo.com (TGI14549505/14,5/15, 5/16, 5/17, 5/18/24)

I, Richard Patey, am trying to locate Ryan Harismendy re obtaining bill of sale for jet ski, 10ft, Seadoo, N11872, HA 7795G 808-651-1735 Singitsuz@yahoo.com

(TGI14549495/14,5/15, 5/16, 5/17, 5/18/24)

OWNER’S NOTICE OF COMPLETION OF CONTRACT

NOTICEISHEREBY GIVENthatpursuantto theProvisionsofSection 507-43,oftheHawaii RevisedStatutes,the constructionbyOlson HomesIncofthatcertain newsinglefamily residencesituatedat 3056Laue’aPlKoloaHI 96756,TMK:(4)2-6-014008, has been completed. Scott & Debra Ellis Owner(s) (TGI1455308 5/17, 5/24/24)

RANGEFACILITY(PMRF)COMPLEXONTHEISLANDSOFKAUA‘I,O‘AHU, NI‘IHAU AND KA‘ULA, HAWAI‘I

PursuanttoSection102(2)(c)oftheNationalEnvironmentalPolicyAct(NEPA)of 1969andtheCouncilonEnvironmentalQualityregulations(40CodeofFederal RegulationsParts1500-1508)implementingtheproceduralprovisionsofNEPA, theUnitedStates(U.S.)DepartmentofNavy(DON)givesnoticethataDraft EnvironmentalAssessment(DEA)hasbeenpreparedandthatanEnvironmental ImpactStatementisnotrequiredfortherevisionofthe2010IntegratedNatural ResourcesManagementPlan(INRMP)forthePacificMissileRangeFacility(PMRF) Complex on the islands of Kaua‘i, O‘ahu, Ni‘ihau and Ka‘ula, Hawai‘i.

Thepurposeofthe2023PMRFINRMPistoupdateandrevisethemanagementof naturalresourcesonPMRFadministeredandleasedlandsasdescribedinthe 2010PMRFINRMPtoincludespecieslistedundertheEndangeredSpeciesAct since2010,andtoimplementanapproachfornaturalresourcesmanagementthat isconsistentwiththeSikesAct,asamended(16U.S.Code[USC]670a),andthe mostrecentDepartmentofDefense(DoD)andDONpolicyandguidanceregarding INRMPs.BoththeINRMPandthenaturalresourcesmanagementprogramsmust includeamanagementapproachconsistentwithmissionsupport(asdefinedin10 USCsection5062),multipurposeuse,integration,ecosystem-orlandscape-level management, and environmental compliance and stewardship objectives.

TheDEAevaluatesthepotentialenvironmentalimpactsongeologyandsoils,water resources,climatechange,terrestrialbiologicalresources,marinebiological resources,culturalresources,landuse,andoutdoorrecreationassociatedwith implementing the Proposed Action and the No Action Alternative.

TheProposedActionistoimplementthe2023PMRFINRMP.This alternativerepresentsanupdatetomanagementofresourcesfoundon PMRFwiththeintenttoprovideaconservationbenefittoexistingand recently federally listed species.

UndertheNoActionAlternative,theProposedActionwouldnotoccur, naturalresourceswouldcontinuetobemanagedascharacterizedinthe 2010PMRFINRMP,andPMRFwouldcontinuetoimplementapplicable regulatoryrequirements.Thisalternativerepresentsthestatusquoandis usedtoanalyzetheconsequencesofnotundertakingtheProposed Action.TheNoActionAlternativewouldnotmeetthepurposeandneedfor theProposedAction;however,asrequiredbyNEPA,theNoAction Alternative is carried forward for analysis in this EA.

HardcopiesoftheDEA, 2023PMRFINRMP,and2010PMRFINRMPmaybeviewed atWaimeaPublicLibrary,LihuePublicLibrary,andKapaaPublicLibrary.Electronic copiesofalldocumentsareavailableat: https://pacific.navfac.navy.mil/AboutUs/National-Environmental-Policy-Act-NEPA-Information.Writtencommentsonthe INRMPandDEAmaybeprovidedbymailto:ATTN:PublicWorks/NRINRMP, PacificMissileRangeFacility/P.O.BOX128/Kekaha,HI96752,orbyemailto: navfachinaturalr.fct@navy.mil.Writtencommentsmustbereceivedorpostmarked byJune15,2024tobeconsidered. Toconfirmcommentsarereceived,please set your email options to receive a read receipt.

Theinherentgraphicalnatureandageoftheseappendicesdocumentsmake compliancewithADAandSection508accessibilitydifficultandthereforedonot fullymeettherequirements.Ifyouuseassistivetechnologyandtheformatofthese appendicesandreferencespreventyoufromobtainingnecessarydata,please contact the navfachinaturalr.fct@navy.mil for other technical assistance.

(TGI1454896 5/16, 5/17, 5/18/24)

NOTICE OF FORECLOSURE SALE

DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT RELATING TO IMPAC SECURED ASSETS CORP., MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2007-2 v. LORRIN J. AIWOHI; BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO COUNTRYWIDE BANK, FSB; ASSOCIATION OF APARTMENT OWNERS OF ARRUDA ESTATES I; and DOES 1 through 20, Inclusive (Case No. 5CCV-23-0000050) 6411 Kawaihau Road, Unit #5, Kapaa, Hawaii 96746

(also appearing of record as 6467 A Kawaihau Road, Kapaa, Hawaii 96746) TMK: (4) 4-6-007-027-0004

OPEN HOUSES: NONE AUCTION DATE: June20,2024at12:00p.m.onthefrontstepsoftheKauai JudiciaryComplex,FifthCircuitCourtBuilding,3970Kaana Street, Lihue, Hawai‘i 96766. TERMS OF SALE: Noupsetprice.Propertysold“asis”conditionatpublic auctionwith10%ofhighestbidpayableincash,certifiedor cashier’scheckatcloseofauction,balancepayableupon deliveryoftitle.Potentialbiddersmustbeabletoprovide proofofhis/herabilitytocomplywith10%ofbid requirementpriortoparticipatinginthepublicauction. Buyershallpayallcostsofclosingincludingescrow, conveyanceandrecordationfee,conveyancetaxesandis responsibleforsecuringpossessionofthepropertyupon recordation,includingthecostofeviction.Buyermaybe liableforsixmonthsofunpaidregularmonthlycommon assessmentsnottoexceed$1,800.00.SALESUBJECTTO COURT CONFIRMATION. For further information call: Shauna Lee Cahill-De Costa (808) 652-3289 shaunaleecahill@gmail.com

(TGI1454474 5/10 5/17 5/24/24)

FORECLOSURES FORECLOSURES FORECLOSURES MERCHAN DISE Appliances Kapaa Garage & Lanai Sales Notices of Availability Notices of Availability Kekaha Notices of Availability Pets Abandoned Property Lihue Waimea Completion of Contract Kekaha Vacation Rentals AKC Labrador puppy s $1000/OBO, Champion bloodline. 808-335-2808 or Kauai 8888@gmail.com Recycled Appliances Washers,Dryers, Stoves & Refrigerators 6mos. warranty Tashi 808-652-0551 Kapaa Garage Sale! MAY 18 & 19 SAT 8am-2pm & SUN 8am-12pm 6273-A Puuopae Place Wailua Homesteads. KEKAHA $399,999 10,584 sqft Kevin Horita -RB 808-639-8213 Jesse Fukushima -RS 808-482-4077 MLS 703768 WEEKLY RENTALS Lawai Beach Resort May 17, 2 bdrm sleep 6 $595 or 1 bdrm sleeps 4 $495 or both Call Doug (480)226-4587 16 May 2024 DEPARTMENT OF DEFENSE DEPARTMENT OF THE NAVY NOTICE OF AVAILABILITY DRAFTENVIRONMENTALASSESSMENTFORTHEINTEGRATEDNATURAL RESOURCESMANAGEMENTPLAN(INRMP)FORTHEPACIFICMISSLE
Deadlines: Regular, single-column classifieds in The Garden Island can be placed until 4:45pm on Monday, Tuesday, Wednesday, and Thursday for the following day, noon on Friday for Sunday and Monday. Please call your sales executive or 246-0325 for deadlines for larger, multi-column ads. Cancellation/Correction Deadlines: To cancel or change an ad in the Garden Island, call us by 4:45pm on Monday, Tuesday, Wednesday, and Thursday for the following day, noon on Friday for Sunday and Monday. (We are closed Saturdays and Sundays). The Garden Island Real Estate Deadlines: To place, correct or cancel a Friday real estate/rental single-column ad, please call by noon on Thursday. Check your ad for errors the first day it runs in the paper. We are unable to issue credit for errors reported after the first day of publication. While we try to accommodate our advertisers, The Garden Island does reserve the right to edit, refuse, reject, or cancel any ad at any time. All ads are subject to approval prior to publication. We are not liable for losses or expenses resulting from publication errors or omission of an ad at any time. All ads are subject to approval prior to publication. We are not liable for losses or expenses resulting from publication errors or omissions of an ad. Advertising rate cards are available from any sales executive. Ads are subject to the rate card in effect at the time they are placed. ANNOUNCE MENTS MERCHAN DISE THE INDEX WE GLADLY ACCEPT: Business Hours Call Center Monday–Friday; 7:30 a.m.–5:30 p.m. SELL YOUR STUFF FOR AS LITTLE AS $9.99 A WEEK ON ALL MERCHANDISE ADS * Restrictions may apply. Call for details. Legals/Public Notices KAUAI’S real estate directory PLACE YOUR AD t ODAY 246-0325 th E g ARDE nis LA n D CO m/ CLA ssifi ED s KAUAI’S 808-246-0325 Subscribe today 245-0433 thegardenisland.com Subscribe today 245-0433 thegardenisland.com thegardenisland.com Subscribe today 245-0433 Stay Informed thegardenisland.com Subscribe today 245-0433 Stay Informed IN ESCROW $849,000 3 Bed/ 2Ba Kevin M Horita RB 808-639-8213 MLS 708699 $599,000 3Bed/2Ba Leah Ragsac RS 808-212-4086 Lauren E. Yama 808-346-4204 MLS 707922 (808)246-8828 Across From Kauai Community College 4490 Puhi Road, Lihue * Custom Color Matching * Armstrong-Clark Stains * * Purdy Brushes * Graco Sprayers * Home Owner * * Maintenance * Commercial * Industrial * AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR 808-651-4766 kauairealty@gmail.com www.carolcummingskauai.com Private but convenient. Vacant lot in Pua Loke. Ready to build. Land Area: 15,000 sf Price: $449,000 FS/CPR MLS# 709490 Back up offers welcomed! INESCROW!LIHUE AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR 808-651-4766 kauairealty@gmail.com www.carolcummingskauai.com Land Area: 15,751 sf Living Area: 640 sf Carport: 269 sf Laundry/Shower: 105 sf Bed/Bath: 2/1.5 Price: $979,000 MLS# 708541 SOLD!LAWAI Carpentry ContractingConstruction Carpenter looking for maintenance jobs. Free estimates. 3D Construction Call Albert 652-8861. alapaki82@outlook.com Washburn Machine Works, LLC. Free estimates for heavy equipment, hauling, excavation. Fully insured. No job too small. Please call 808639-4161 or email admin @washburnmachineworks. com thegardenisland.com Subscribe today 245-0433 Stay Informed FOR MORE INFORMATION, CALL DIANE 245-0456 BUSINESS service guide 245-0456 THE GARDENISLAND.COM/CLASSIFIEDS Page 4 Friday, May 17, 2024 THE GARDEN ISLAND www.thegardenisland.com

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