Page 3 - Hawaii Island MidWeek - Dec 7, 2022

ON HAWAI‘I ISLAND
Compiled by Karen Iwamoto, kiwamoto@midweek.com
DECEMBER 7, 2022
HAWAI‘I ISLAND MIDWEEK 3
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: GOLD
April Nelson
April Nelson of Kona on was Homebridge Financial Services Hawai‘i’s top producer for the month of October. Nelson has nearly 20 years of experience in personal real estate transactions and five years of sales and customer service experience. Prior to joining Homebridge, she was an account manager
Ross Birch
Ross Birch has been appointed general manager of Mauna Lani Golf, part of the Mauna Lani, Auberge Resorts Collection on Hawai‘i Island. He will oversee daily operations while executing the company’s strategic goal. Birch is a former chairman and executive director of Island of Hawai‘i Visitors Bureau and
YOUR MONEY CAN EARN MORE NOW!
13-MONTH SHARE CERTIFICATE
2.50% APY* for eLife Checking account holders
2.00% APY*
at Grainger, as well as a VIP and group sales specialist for Kailua-Kona-based Hawai‘i Forest & Trail.
remains a board member of Kona-Kohala Chamber of Commerce and Hawai‘i United Way.
ROB NELSON
president of Finance Factors
FBuilding Strong Financial Futures
inance Factors was fore, we approach lending and grandchildren become founded 70 years with creativity, quick de- homeowners and build gen- ago to help many cision-making and a fierce erational wealth.
of Hawai‘i’s hardworking commitment to make loans To help you save for your
families who struggled to obtain loans for everyday needs, from refrigerators to pots and pans. As our com- munity’s financing needs changed, we evolved, too. Today, we are a focused real estate lender and savings institution, specializing in conforming and noncon- forming residential mort- gages and commercial real estate loans.
happen for our customers. Owning real estate is one of the best paths to financial security and wealth creation in our islands. We contin- ue to give people timely custom solutions to help navigate our local market, paving their way to finan- cial success and a world of
time homeowner or busi- ness owner looking to expand your commercial presence, our custom prod- ucts can help you reach your goals. We have com- petitive 30-year fixed rate loans, options that address today’s high interest rates, and powerful multi-collat- eral programs that parents and grandparents often uti- lize to help their children
future faster, we have some of the best rates on savings and certificates of deposits. Whether saving for a down payment, your next big pur- chase or retirement, we can help give your hard-earned cash a boost.
The high cost of living, low housing inventory and current interest rates have made Hawai‘i a difficult place for many people to get ahead. Because of our long history in Hawai‘i, we understand its unique real estate market, and know that a one-size-fits-all approach doesn’t work for the chal- lenges we face here. There-
At Finance Factors, we like to say, “If no can, we can!” because we truly believe that our can-do attitude makes a world of difference in helping our clients achieve home own- ership and financial peace of mind.
hawaiiusafcu.com/certificatespecial
* Annual Percentage Yield “APY” is effective as of October 3, 2022 and is subject to change without notice. Minimum balance requirement to open this account is $5,000 of new money up to $245,000; new money defined as funds not currently on deposit with HawaiiUSA Federal Credit Union and excludes funds withdrawn from HawaiiUSA and redeposited into any account during the promotional period. You must maintain a minimum daily balance of $5,000 in this account each day to obtain the disclosed APY. Rate valid for a limited time. A penalty may be imposed for early withdrawal. Insured by NCUA.
possibilities.
Whether you are a first-
Increased access to fi- nancing will help more homeowners remain in Ha- wai‘i and strengthen our community.
Feel free to give us a call 808-522-2000 or visit us at financefactors.com.