Moku o Keawe – Hawaii’s Big Island

November 9, 2012 by  
Filed under hawaii, Real Estate

Comments Off on Moku o Keawe – Hawaii’s Big Island

Located at the southwestern most point of a collection of 32 islands, atolls and islets stretching over 1500 miles in the Pacific Ocean, the Big Island of Hawaii is the youngest of the islands and larger than all the other island put together. The island is an expanse of 4,028 square miles it is the most diverse offerings that include gorgeous white sand beaches, active volcanoes, sheer ocean cliffs, hidden waterfalls and even snow capped mountains during the winter months.

The island is divided into nine districts. These districts offer the real estate buyer a wide variety of properties that range from sea side cottages to forested hideaways to sprawling ranches. Buyers will be happy to know that Big Island real estate has a wide variety of prices that offer value for the dollar. Inexpensive land parcels are plentiful while homes with panoramic ocean views are still affordable.

The island has two population centers. Hilo on the east or windward side of the island has retained that small town feel. Hilo is home to several federal, state and county buildings along with a sleepy airport and the largest shopping mall on the island. Along with a multitude of small businesses and mom and pop stores, the newer arrivals in Hilo include big box stores and other national retailers. Hilo also has the busiest port on the island. Arrivals of inter-island barges provide a lifeline of products and goods. Cruise ships call regularly at the port of Hilo. Some arrive weekly while others arrive from trans-pacific journeys from places like Ensenada, Tahiti, and Vancouver. As most windward town in Hawaii, Hilo is known for rainy weather and damp conditions which result is beautiful waterfalls and lush tropical landscapes.

The leeward or dryer side of the island Kailua-Kona reigns as the largest residential and commercial area. Built on the slopes of Hualalai one of the islands active volcanoes, the Kailua-Kona area not at a loss for panoramic ocean views. Locals know that although the temperatures at sea level in the heart of town can be in the mid-80’s during the day, a short drive upslope or mauka will bring cooler temperatures and relief from the heat for those who choose to purchase at the higher elevations. Along with several residential neighborhoods and an international airport, Kailua-Kona is the favorite of island tourists. They come for the casual atmosphere, beautiful beaches and an abundance of activities that include swimming, snorkeling, diving, hiking and more.

Although most of the activity on the island takes place in the districts of Hilo and Kona, the Big Island has a lot more to discover. The Kohala districts along with Puna, Hamakua, Kau each have their own beauty and their own character.

The Big Island has something for everyone, but what it isn’t is busy and bustling. It’s the perfect island for those wanting solitude, peace and an abundance of natural beauty.
Contributed by Jeff Manson from

Oahu Luxury Real Estate

July 16, 2012 by  
Filed under hawaii, Investments, Real Estate

Comments Off on Oahu Luxury Real Estate

The island of Oahu is full of amazing shorelines, gorgeous mountains and many other natural wonders that make Oahu what it is today. The same can be said for its luxury real estate market, as Oahu offers some of the most diverse options when it comes to luxury real Estate.

To really get an idea of what the Hawaii luxury real estate market has to offer you should probably see it in real life. However, to give you an idea of what awaits, think of island comfort and amenities that can be found in luxurious Hawaii living. Living in a luxury single-family home, townhouse or condo on Oahu is second to none. As a matter of fact many people will tell you that doing that is a dream they have had for some time. If you are one of those people, then owning a luxurious piece of property on Oahu may be exactly what you are looking for.

There are luxury properties all over Oahu. Almost every neighborhood has its own version of luxury properties. However, some of the most luxurious properties on Oahu are located in the Kahala, Hawaii Kai and Diamond Head area of the island. These places are all on the east side of Oahu, and while there are indeed luxury properties in the central and north shore parts of the island, these three areas set the standard and are highly sought after places to live by those who are looking for luxurious single-family homes, townhouses and condos on Oahu.

The area of the island and the style of luxury property on Oahu you choose will be based on a number of outside factors. If you want a luxurious single-family home that is located next to great schools, then you might choose a different part of Oahu then you would if you are looking for a luxury condo unit that offers every luxurious amenity imaginable.

There are also other decisions to think about when planning to buy a piece of luxury real estate on Oahu. Do you want a beachfront property? Do you want added amenities available 24 hours a day? Do you want something farther from town or closer to all the action? These choices and others will need to be made before you start looking for the luxury single-family home, townhouse or condo of your dreams.

As with any other type of property on Oahu, luxury or otherwise, the price you are going to pay will be based on area of Oahu, amenities included and square footage, among other things. Surprisingly enough, you may pay close to the same for a luxury condo on Oahu as you would for a luxurious single-family home. It all depends on what the circumstances are.

Oahu has some of the best luxury properties in all of Hawaii. If you are looking to purchase a luxury single-family home, townhouse or condo, then take some time to explore the luxury real estate market on Oahu.

Luxurious living awaits you on Oahu. Don’t wait; make you dream a reality today.

Contributed by on buying luxury property in hawaii.

Debt Consolidation

November 17, 2008 by  
Filed under Featured, hawaii

Comments Off on Debt Consolidation

Debt Consolidation is a tactic through which an Individual aims to get a new single loan to clear off his multiple debts for a lower interest rate and longer repayment period. Individuals are forced to take a Debt consolidation loan when they are not in a position to clear off their debts or to reduce the interest rate they pay for their existing debts.

Most often Debt consolidation loans are provided under a collateral security (home etc.) and hence can be termed as secured loan. But remember some Debt consolidators do offer loans on unsecured basis. Lenders often charge a lower interest rate for Secured Loans while compared to Unsecured Loans. One such example is to avail Debt consolidation loan to clear off your credit card dues.

Before signing the contract with a Debt Consolidator, make sure you read the terms and conditions carefully and find out the exact charges or fees. The Interest rate for a debt consolidation loan would be invariable unlike your credit card’s Interest rate. Moreover you get a clear idea as how much to pay and how long to pay.

What leads to Debt Consolidation?

There are few people who develop the habit of acquiring loans one after other. It is too late until they realize that they are unable to pay the loan amount or the interest amount keeps mounting up. A proper financial plan would help one to avoid such unwelcome circumstances.

Credit card dues are the leading factor that drives one to a Debt consolidation program. It is a well known fact that credit card companies charge a higher rate of interest and may impose various charges if you default your payment, spend over your credit limit and late payments. If you are one among those who pay the minimum amount due on their credit card payments, you should realize the pain. It is always better to clear off your credit card dues rather than other debts. Try to make payments that are more than the Minimum Amount due.

Advantages of Debt Consolidation

As said earlier debt consolidation offers the benefit of lower interest rate while compared to interest rate charged by the Credit Card companies. You also get the advantage of repaying the loan in a longer period of time. The rate of interest is fixed and you know how much amount you are supposed to pay.

Disadvantages of Debt Consolidation

As most of the Debt Consolidators offer secured loans (your home as a security) you may end up loosing your home if you are unable to payback. If the interest rate of your debt consolidation loan is higher than the average of your other debts then it is of no use. There are few debt consolidators who may push you in availing a loan and charge more than actually you would pay to clear off you debts. If the tenure of repayment is longer chances are there that you may end up paying more than your normal debts. Instead of availing a Debt consolidation loan you could negotiate with your existing creditors who may be ready to accept the deal.