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Friday, December 25, 2020 Page 3
Timeless sense of style Enrich your home’s design to stand the test of time BRANDPOINT
Puhi Halelani Village #S204 Great location at Halelani Village at Puhi. This is an upstairs unit with a rim and mountain view! This is a two bedroom two bath unit. The floors are laminate and the walls have been painted a few years ago. Most of the unit is original however that leaves the new owners to be creative with any upgrades. The lanai has been recently re-tiled. Stacked washer/ dryer is located in the bathroom. Comes with two assigned parking stalls. $330,000. MLS # 645302 Kela Caspillo (R)(S) RS-75011 808-652-6173 Kelacas17@gmail.com
Benchmark U.S. 30year mortgage drops to record low 2.66% ASSOCIATED PRESS
The worlds of fashion and interior design intersect in more ways than one. From thoughtful details to bold palettes and shapes, both disciplines play an important role in evoking personal style. In order to ensure home design demonstrates a bespoke sense of style that lasts, one must consider how all elements involved work together to create a cohesive look for a unified and timeless aesthetic. Enduring elements Taking cues from the fashion industry, approach interior design with an eye for timeless infusions to create an aesthetic that will stay forever au courant. For instance, borrow inspiration from past eras, allowing for additions such as velvet-upholstered furniture to bridge the gap between past and present for a modern, yet classic look. Introduce intriguing materials like wood, leather and marble into a living area, as they can transition through decades while remaining staple elements.
or other easily transitioned accent sweeping curves and bold shapes throughout the home for a harmoelements. nized overall design that will withStyled motif Embellished accessories stand the test of time. A purposeful melding of patComplete a space with adornterns and texture brings a sense of Streamlined statement balance and depth to a room, just ments, such as a striking photoFor an elegant interpretation of graph or abstract art, drawing as it does in fashion. Consider an minimalistic design, utilize attention similar to that of a piece integration of stone and pale terhigh-contrast color pairings. A Jaof statement jewelry. Further acra-cotta tile to establish a mosaic son Wu for Brizo™ kitchen faucet, aesthetic for a wall, backsplash or cessorize with mixed materials, exclusively available in a stunning adding metal accents to a plush floor. Add a sense of individual style with favorite, à-la-mode pat- chair or a teak wood table to bring Matte White finish, pairs well with a fresh perspective. When select- a multitude of marble countertops terns and prints, such as florals and fringe, on decorative pillows ing furnishings and décor, marry - choosing black marble creates a
dramatic, contrasting statement, whereas a white, neutral marble brings forth a striking, monochromatic look. The faucet’s timeless, yet neutral, Matte White finish adds an elegant and modern appeal to any kitchen, while still establishing contrast against other distinctive pieces within the space. Subtle details complement the monochromatic faucet, such as the polished nickel handle, inspired by the look of fashion designer Jason Wu’s mannequins.
WASHINGTON — U.S. long-term mortgage rates dropped this week to a record low for the 16th time in 2020, reflecting an economy hard hit by the coronavirus pandemic. Mortgage giant Freddie Mac said Thursday that the average rate on the benchmark 30-year fixed-rate home loan slipped to a record low 2.66% from 2.67% last week. A year ago, it stood at 3.74% The average rate on 15-year fixed-rate loans, popular among homeowners seeking to refinance their mortgages, dipped to 2.19% from 2.21%. A year ago, it was 3.19%. The 5-year adjustable rate mortgage was unchanged this week at 2.79%. A year ago, it was at 3.45%. Helped by rock-bottom rates, the housing market has been a source of strength in an economy pounded by the coronavirus outbreak. The Federal Reserve has pushed the interest rate it controls to zero in an effort to help the economy rebound from a springtime shutdown.
Consumer spending drops 0.4%, first decline since April ASSOCIATED PRESS WASHINGTON — U.S. consumer spending fell 0.4% in November, the first decline since April, as Americans confronted a newly resurgent virus. The decline followed a 0.3% gain in October and even bigger increases starting in May, the Commerce Department reported Wednesday, a period when the country was emerging from lockdowns intended to halt the spread of COVID-19. There was a massive 12.7% decline because of that in April. Also, personal incomes fell 1.1% in November, marking the third drop in the past four months as various government relief programs expire. Inflation as measured by a gauge preferred by the Federal Reserve showed a modest 1.1% gain in November, well below the Fed’s 2% target. The benign inflation readings will give the Fed leeway to continue providing support to an economy that has absorbed millions of people who suddenly unemployed as businesses shut down or lay off workers.
Is now the right time to refinance your mortgage? Consolidate your debt with a lower payment. You can get some of the lowest rates in the state, plus your money stays on Kaua‘i.
Visit us online at www.kgefcu.org to learn more. Anyone can be eligible for membership with KGEFCU