Page 2 - Hawaii Island MidWeek - Jan 5, 2022

2 HAWAI‘I ISLAND MIDWEEK JANUARY 5, 2022
LANAI
BONE MARROW STEAK & EGGS
Ingredients:
• 1 10-inch bone marrow
• 4 eggs, scrambled
• 1 ounce butter
• 3 ounces pipikaula
• 1 ounce red onion
• 1 ounce fresh herbs
• 1 ounce mustard vinaigrette
• 2 ounces Chinese mustard • 2 ounces shoyu
• 1 ounce rice vinegar
• 1 tablespoon sesame oil
• 1 tablespoon ginger, grated
Directions:
Roast bone marrow. Soft scramble eggs on low heat with butter. Combine pipikaula, onions and herbs in a bowl.
Make dressing by combining and whisking all other ingredi- ents together. Assemble dish.
AI nother Killer Dish By ‘Kitchen Assassin’
first met Alvin Savella (aka The Kitchen As- sassin) when he was the
executive chef at The Westin Maui Resort & Spa, Ka‘ana- pali. Alvin has a big social media following, as his plates are creative and eye-catching.
This week, he shares his recipe for Bone Marrow Steak & Eggs with us.
Fill in the blank cells using numbers 1 to 9. Each number can appear only once in each row, column, and 3x3 block. Use logic and process of elimination to solve the puzzle. The difficulty level ranges from Bronze (easiest) to Silver to Gold (hardest). Answers are on page 7
RATING: BRONZE
You can watch episodes of “Cooking Hawaiian Style,” pre- sented by Aloha Mortgage Advisors at Ka Laʻi Aloha Estate, on OC16 channels 10 and 1012, as well as nationwide via LifeStyle Network, FNX Network, Roku and Hawaiian Airlines in-flight entertainment. “Cooking Hawaiian Style” airs in over 43 million homes worldwide. Get this free recipe and thousands of others at cookinghawaiianstyle.com.
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RUBEN CARRILLO PHOTO
(Top right) The author with Al dvin Savella RYAN SAKAMOTO PHOTO
# hawaiianrealty.com • hawaiianrealty.com • hawaiianrealty.com • hawaiianrealty.com • hawaiianrealty.com • hawaiianrealty.com #
HOLIDAY “HANGOVERS”
hawaiianrealty.com 800-667-5028 ext. 8122
Denise S. Nakanishi
RB-17031, ABR, CRS, GRI, SRS
“Major Mom is a Major Difference”
Are your credit cards tired, overworked and underpaid? Do you suffer from extreme mailbox avoidance syndrome? Indeed, it sounds like a typical case of holiday hangover! It’s a common malady associated with the reality of “shop ‘til you drop” overspending resulting from hard- to-resist holiday generosity. Problem is, many look for temporary relief by delaying
Retention) Department. Their job is to assist borrowers in restructuring debt which helps reduce default rates keeping losses to a minimum. Working with them early on insures the largest menu of options is available. Choices could include a rate reduction which actually reduces your interest rate for the remainder of
the mortgage, recasting the payments by re-computing payments to include any delinquency, extending the term of the loan allowing delinquent payments to be paid at the end, converting the type loan in order
to reduce payments or allowing a one-time assumption of an otherwise non-assumable loan. Your willingness to cooperate coupled with your individual circumstance will largely dictate your choices. If the situation seems hopeless, options such
as a deed-in-lieu allow your interest in the property to revert to the lender. This is a complicated option in Hawaii, however.
The property can be sold avoiding an expensive and time-consuming foreclosure proceeding. You may even be able to stay in the home if you list the property as part of a pre-foreclosure sale. With values at
an all time high, selling is certainly a viable option. When you owe more than the property is worth which is very rare these days, the lender may actually forgive part of the debt allowing a short-sale to proceed. Remember, there may be tax or collection consequences which apply to your situation so be sure to consult your tax advisor or legal counsel before considering a short sale or voluntary foreclosure. So, if you find yourself suffering from Holiday Hangover, take two aspirin and call the Lender or your REALTOR(R) in the morning. It may be just what the Mortgage Doctor ordered!
Blog forward at www.hawaiianrealtyhomes.com
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hardest to catch-up. It’s important to be forthcoming with your lender when
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situations get out-of-hand.
While collectors are normally over-aggressive (many get paid for each payment they collect), keep in mind that the lender wants to be sure you do not default. Tell the Collector that you want to speak to the Loss Mitigation (or Home
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