Auwe to Mauna Kea Chef

Auwe to Executive Chef Matthew Zubrod from Monettes, the new fine dining restaurant at Mauna Kea Beach Hotel. Same goes for management at the hotel. You will remember from previous posts, the long awaited re-opening of the Mauna Kea after repairs and remodeling needed as a result of our 6.7 earthquake in 2006. Well it’s open now and the big brag I guess beyond the deep, deep, British Open deep, bunkers on the golf course is the famed Monettes.

They claim to be combining a bit of refined Rocky Mountain cuisine with fresh island specialty foods and they boast “The beverage roster is first-rate and all fruit juices are fresh squeezed to order for cocktails.”But as I say, Auwe, because they’re also proud to present their lamb from Colorado, cured meats from Arkansas and Kobe beef flown in every week from Japan! How’s that for island flair? And not too green either. Not that I am particularly taken by the global warming thing and I hate to be pc, but just economically, what happened to fresh and local?  slow-food3.jpgslow-food.jpg

I mean what, we don’t have good beef right here on island? I think so. Okay, what about Kahua lamb? And they better be getting their veggies locally because Kamuela right up the hill has a ton – make that tonnes (if you must be continental) of the best and freshest organic vegetables you could find anywhere.

I don’t know about you, I just think they could do a better job of supporting our local farmers and put out fare that’s just as good if not better with the surfeit of local fresh ingredients available right here on the Big Island.

Aloha, “Mikie”

Mikie Likes It LLC
Realtor Referrals

Michelle Kerr
(Principal Broker/Owner)

Phone: (808) 896-1943

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To Get Really Agitated

All I have to do is read the morning paper to get really agitated. So I have decided to write a new blog. I still have my real estate blog, but I find myself more compelled these days to write about what’s happening in America with our liberties and values.

Too many things (change we better pay attention to) are being rammed down our throats. We’re all busy. underwater.jpgLet’s face it with trying to pay the bills, feed the kids and keep our nostrils above the waterline and with so much coming down the pike, people feel powerless.

My contribution is make you more aware of these issues. I’ll provide links, videos and other ways you can quickly jump in and participate in what’s going on and give you a chance to voice your concerns. ** pay attention to underlined, highlighted or bolded words – these are action items **

As an example of things I will cover, did ya know CONGRESS HAS MADE THEMSELVES EXEMPT FROM ALL VERSIONS of the Health Care Reform currently before that body? Sort of begs the question – If it’s not good enough for Congress (and their federal employees and their families) why is it so great for the rest of us? THAT’S JUST WRONG!  But here’s what you can do. Congressman John Fleming of Louisiana has proposed a bill, hr-615.pdf that gives members of Congress a chance to put their money where their mouths are if they vote for the bill, by agreeing to enroll themselves in the same plan they are pushing down our throats. Go the the link here to let your representatives know how you feel and see who has signed on to it so far.

That’s it for now!

Respectfully yours,

Now Get Off Your Butts!
Bookmark this blog, use it to make your voice be heard & share it.

Bla, Blady, Bla, Bla

It’s all blather -government saying they’re going to protect us against unscrupulous lenders. You know, make them disclose everything. If only we could require the same of them.

“Yeah, no more taking advantage of people! “

I’ve blogged about this before in “Clamp Down on Mortgage Lenders?” back in 2007 when the subprime meltdown was just starting. But obviously I need to say it again.

We are in the process of refinancing our mortgage through Bank of America (a Big recipient of TARP funds after agreeing under pressure from then Treasury Secretary Paulson to buy Merrill Lynch), so as soon as we got credit approval and all our paperwork passed muster we receive a HUGE package. I’m talking $8.70 in postage huge!

The bundle included a 75-page book called Application Disclosure Handbook, a copy of our appraisal (this part is totally good-everyone who pays $665 for an appraisal should get a copy of it!), and all the documents that relate to our application, 27 more pages. So I say to myself,  this is probably good, everything you need to know all right here for sometime when I have about 3 hours dead time or a bad case of insomnia! But as soon as I start reading it I am bombarded with blatant mistakes right from the first page!

First of all, the address is wrong. Despite having corrected it on the application from the very beginning we can’t seem to get that across to anyone. The interest rate does not match what we have locked our loan at, but what’s a half a percentage point among friends? Next, we have applied for a 5-year interest only loan, but the paperwork says the term is 30 years. Later I find out this is because it becomes an adjustable rate ARM after 5 years. Oh yes, and the loan amount is wrong. They include 3 TILs (Truth in Lending) Disclosure Statements -3 copies of the same thing, all wrong. And an amortization schedule which is incorrect, and on and on.

I could just scream!!!!  pulling-hair-out.jpg

WE JUST NEED THE BASICS. I mean who is going to read over 100 pages from their lender and understand it – especially when there are blaring mistakes from the get-go? Nobody that’s who. Mission accomplished I guess. They don’t really want to make it understandable, they just want to say they are making it understandable, you know so they can say they did something.

So I said it before and I’ll say it again. KISS, keep it simple stupid. This is all we really need to know.

  1. What is my loan amount?
  2. What is my interest rate?
  3. When do I have to pay it off or refinance?
  4. How much do I pay every month?
  5. When will the interest rate adjust?
  6. Is there a pre-payment penalty and if so, how much will it cost me?

Just the facts mam. ALL ON 1 PAGE, IN BOLD PRINT about 16 point font.

That’s my Tip of the Day!

Aloha, “Mikie”

Mikie Likes It LLC
Realtor Referrals

Michelle Kerr
(Principal Broker/Owner)

Phone: (808) 896-1943