Page 4 Friday, January 22, 2021
THE GARDEN ISLAND
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REVAMP, ENHANCE, ENTERTAIN
6 ways to improve the time you spend at home BRANDPOINT After spending so much time at home in 2020, you might be running out of ideas to keep yourself entertained. If you find yourself with extra time on your hands, youâre not alone. Many people are looking for new ways to improve the time they spend at home. Follow these tips to revamp your space and enhance the time you spend at home. De-clutter to cultivate calm Make your home your happy place away from the
hectic world. Target the hot spots for mess and get organized to regain peace of mind. Do a bedroom makeover to create a space more conducive to sleeping. Whatever you decide, your body and mind will thank you.
if youâre looking for a device with the latest technology to help you stay informed, check out LGâs newest smartphones -Wing, Velvet or K92.
Watch something out of your comfort zone Sure, you could turn on Binge a new podcast another season of your faThough theyâve been around for years, podcasts vorite show, but why not try continue to grow in popular- something completely different? Choose a topic you ity. While youâre spending time at home, they can make donât know enough about you feel like youâre part of a and turn on a documentary. Or choose a show or film fascinating conversation. Search for a subject or topic from a genre you donât typiyouâve always wanted to cally follow and see what all learn about and dive in. And the hype is about. To help
you stick with your new favorite, LGâs OLED TVs deliver the pinnacle of picture quality and offer access to the most popular streaming sites so youâll have a vast library of content to explore. Up your work-fromhome game If youâre working from home, you might be getting tired of sitting at the kitchen table or lounging on the couch. Make your work setup official by finding a designated office space within your home. Customize your space to help with productivity - like swapping
your small laptop screen with an LG UltraFine Monitor for easier multitasking and an unencumbered view.
room for more storage, a pet wash station, or even a new desk set-up for work or hobbies.
Increase your cleaning efficiency Since youâre spending more time at home, youâre likely spending more time doing mundane chores. Get your cleaning done better and faster by boosting your laundry room setup. With a style-forward design that takes up half the space of a typical washer and dryer, the LG WashTower gives you the freedom to reinvent your laundry space. Youâll have
Do nothing When youâve run out of activities, work and chores, thereâs nothing wrong with just letting yourself be. Many people donât take enough time to decompress and recharge. Take advantage of some downtime to de-stress and relax. Small and simple actions can help make the time you spend at home more enjoyable. Follow these tips to get the most out of your time.
US long-term mortgage rates slip; 30-year loan at 2.77% ASSOCIATED PRESS WASHINGTON â U.S. long-term mortgage rates slipped this week while remaining at record-low levels. Mortgage buyer Freddie Mac reported Thursday that the average rate on the benchmark 30-year fixed-rate home loan eased to 2.77% from 2.79% last week. By contrast, the rate stood at 3.60% a year ago. The average rate on 15-year fixed-rate loans, popular among homeowners seeking to refinance their mortgages, declined to 2.21% from 2.23%. The damage from the coronavirus pandemic on the U.S. and global economies suppressed home loan rates through most of last year. Long-term bond yields, which can influence interest rates on mortgages and other consumer loans, have climbed recently amid expectations of higher U.S. government spending on pandemic relief and an economic recovery as more people get vaccinated for COVID-19. Economists forecast modest increases in mortgage rates this year. But they likely will remain relatively low as the Federal Reserve keeps interest rates near zero as needed until the economy recovers, Freddie Mac chief economist Sam Khater said Thursday. While the rise in mortgage rates is unlikely to derail the bustling housing market, it could make it tougher for would-be homebuyers.
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 Kauaâi.
Visit us online at www.kgefcu.org to learn more. Anyone can be eligible for membership with KGEFCU