257 Broadmoor Bnd, Pittsboro, IN, Pittsboro, IN
Ranch Home Featuring 3 Bedrooms And 2 Full Baths1200 Square Feet! Split Floor Plan And All Bedrooms Have Large Walk-In Closets. Huge Great Room...
I'm so excited to share with you something I got in the mail the other day. No, it wasn't a notification that Financial Samurai had won an award for being the best personal finance site. My site is too focused on understanding hard things to make us all rich to appeal to the masses. Instead, I got something better. It was letter from my bank saying my adjustable rate mortgage interest rate is going up! This is the first time I've ever received such a letter because, in the past, I would always refinance my 5-year ARM (my preferred ARM term) lower before the fixed period was up. But with interest rates having moved up since I bought my house in 2014, the logical thing to do was keep holding it until the reset. The Origins Of Our 5-Year ARMWe bought a San Francisco single family fixer in 1H2014 for $1,250,000. We were tired of living in the north end of San Francisco for the past 9.5 years and wanted a change of scenery. Originally, we had planned to relocate to Hawaii, but when we found our current house with ocean views, we though this would be a good compromise. We put down 20% and took out a $992,000 5-year ARM. Originally, I was going to put down 32%, because I had about $430,000 come due from a 4.1% 5-year CD. But with a mortgage rate of only 2.5%, I felt it was worth borrowing more and investing the difference. The 2.5% mortgage rate was based on the one year LIBOR rate + a 2.25% margin – 0.25% discount for being an excellent customer. Back in 2014, the one year LIBOR rate was at only 0.5%, hence my 2.5% rate. The London Interbank Offered Rate (LIBOR) is the average interest rate at which leading banks borrow funds from other banks in the London market. LIBOR is the most widely used global “benchmark” or reference rate for short-term interest rates. Check out the historical one-year LIBOR chart below. As you can tell from the one-year LIBOR chart, I bottom-ticked my mortgage rate in 2014. Some of you might be thinking that instead of getting a 5/1 ARM, I should have gotten a 30-year fixed rate instead. But given my strong belief that we will be in a permanently low interest rate environment for the rest of our lives, I felt that paying 0.85% – 1.25% more for a 30-year fixed rate was a waste of money. So my actions followed my brain. Besides, the average homeownership duration in America is only around 8.7 years. At most, one may consider taking out a 10/1 ARM to match durations. As I planned to either sell my home within 10 years in order to buy a nicer home in Hawaii or pay off the mortgage during this time frame, to me, taking out a 5/1 ARM was worth the “risk.” Regardless of whether you want to waste your money on a 30-year fixed mortgage or not, mortgage rates have indeed gone up for all of us since 2014. Based on the current one year LIBOR rate of ~3.1% + my margin of 2.25% – my 0.25% for being an excellent client, my new mortgage rate should be a reasonable 5.1% when it resets in mid-2019. If I end up paying 5.1% for the next five years, my average mortgage rate over a 10 year period would be 5.1% + 2.5% = 7.6% /2 = 3.8%. 3.8% is pretty much in-line with the rate I would have gotten if I just locked in a 30-year fixed rate mortgage in 2014. However, with the money saved from not paying a 30-year fixed mortgage and the $100,000+ less in downpayment, I ended up investing the difference and earned a ~7% return on average from 2014 – 2018 because the stock market went up until 2018. Although I did eek out a 0.8% gain in 2018. But surprise! I won't be paying an estimated 5.1% mortgage rate in 2019. Instead, my letter says that I'll be paying an estimated 4.5%. Have a look at the portion of the letter below. The letter clearly states how they calculate my mortgage rate, yet for some reason, they still come up with an estimated rate of 4.5% instead of 5.1%. Perhaps my good customer discount of -0.25% will grow to -0.85% next year? Or perhaps my bank simply made a mistake in their calculation. No, no. Banks aren't stupid. The reason why my rate only goes up from 2.5% to 4.5% is that under the terms of my mortgage, my ARM can only reset by at most 2% after the initial 5-year fixed rate of 2.5% is up. This maximum reset amount is pretty standard among ARM loans. But this reset amount is something you must have your bank point out in the document. The other thing to note is that ARM loans generally have a maximum mortgage interest rate they can charge for the life of your loan. In my case, that maximum is 7.5%, but we're never going to get there in my opinion. Unfortunately, after one full year at 4.5%, my bank can raise my ARM by another 2%, bringing my mortgage rate up to 6.5% for year seven. However, I doubt rates will keep on surging higher as the global economy slows. Instead, by the time my ARM reset occurs again in 7/1/2020, we might very well be in a recession with one year LIBOR rates moving back down. Paying Down PrincipalIn order to make more money, mortgage brokers and banks LOVE to scare the heck out of inexperienced homebuyers by saying their payments will surge higher once an ARM resets. They don't show them a 35-year historical chart of declining interest rates. By scaring their customers, they have a higher chance of locking them into 30-year fixed rate mortgages for fatter margins. Don't be fooled. You can see from the letter that despite my mortgage rate increasing from 2.5% to 4.5%, an 80% increase, my monthly payment is only expected to increase from $3,919.60 to $4,079.33, a mere 4% rise. The reason for the slight increase in monthly mortgage payment is because we've paid down 32% of our loan in 4.5 years ($992,000 down to $734,000). Paying down over $250,000 in our mortgage was partly due to normal monthly principal payments coupled with random extra principal pay downs. Although the 2.5% interest rate is low, paying down mortgage debt has always been part of my long term investment strategy. Following my FS-DAIR strategy, I would regularly try and use 25% of my free cash flow to pay down debt and use the other 75% to invest. Again, I'm just taking action based on my own advice. I kept on paying down principal randomly until the 10-year yield breached 2.5% in December 2017. Once the 10-year yield was higher than 2.5%, I stopped because I was now getting an interest-free mortgage since I could simply invest the amount of my mortgage in a 10-year bond yield to cover all my payments. Living for free is one of the best things ever! If I had taken out a 30-year fixed mortgage for 3.625%, I wouldn't have been able to experience interest-free living. Your mileage will vary in terms of how much principal you actually paid down during the initial fixed rate period of your ARM. However, even if you didn't pay down any extra principal during a five year period, you will have still paid down ~10% of your principal balance, depending on your interest rate. An Appreciation In Your Home's ValueEven if you've got to pay a higher mortgage rate when your ARM resets, you may be pleased to discover that your home has appreciated in value during the fixed rate period. The San Francisco median home price increased from $1,100,000 in 2014 to ~$1,500,000 today, or a 37% increase. A $420,000 principal increase more than makes up for a measly $159.63 monthly increase in mortgage payment, roughly half of which is going to pay down principal anyway. Again, your home's appreciation amount will vary. Unless you timed your home purchase completely wrong, such as buying in 4Q2006 – 4Q2008 or maybe 1Q2018 (jury is still out), you'll likely come out OK. Even if you did purchase at the most recent peak, normal downturns usually last no more than 3-5 years with 10% – 20% corrections. Make A Mortgage Pay Down PlanGiven I have until 7/1/2019 before my mortgage rate jumps from 2.5% to 4.5%, I plan to keep paying my mortgage as usual and not pay anything extra to principal. As soon as I exhaust all 60 months at 2.5%, I will pay down $50,000 in principal on month 61. After the initial $50,000 extra principal payment, I will keep paying down between $20,000 – $30,000 a month in extra principal until the mortgage is gone or until I find my Hawaiian dream home. Based on my extra principal payments, the mortgage should be completely paid off by January 2022, or about 7.5 years after I first took out the loan. Anything can happen between now and January 2022, which is why it's prudent to continue investing and paying down debt while having a good cash hoard. You can now earn a healthy 2.45% in a money market account with CIT Bank, for example. That's huge, since just several years ago, savings rates were under 0.5%. Earning a 4.5% rate of return is excellent at this stage in the economic cycle, but so is having enough cash to find a gem of a property in Hawaii at a big discount. And boy, am I seeing discounts everywhere now! The alternative solution to aggressively paying down principal is to simply refinance my mortgage when it's time to reset to another 5/1 ARM. After checking online for the latest mortgage rates, I can get a 5/1 ARM jumbo for only 3.25%. This means that after 10 years, my blended interest rate is 2.875%. Not bad at all. Article Summary 1) Match the duration of your mortgage's fixed duration with the estimated ownership duration or the length of time you estimate it will take to pay off the mortgage. 2) Paying for a 30-year fixed rate mortgage might provide you more peace of mind, but you're likely overpaying for that peace of mind. 3) Read the terms of your ARM loan carefully and figure out what is the maximum interest rate increase during the first reset and what is the lifetime interest rate cap. 4) Try to make extra payments during your ARM's fixed rate period to relieve potential interest rate pressure during the reset. 5) Don't borrow more than you can comfortably afford = no greater than a 80% loan-to-value ratio with a 10% cash buffer after a 20% downpayment. Being overly leveraged is what consistently destroys people's finances. Readers, why do people take out overpriced 30-year fixed rate mortgages when the average homeownership duration is less than 9 years? Why pay a higher rate when interest rates have gone down for 35+ years in a row? The post The Anatomy Of An Adjustable Rate Mortgage Increase appeared first on Financial Samurai.
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I recently had to work through a horribly overwhelming mess in my home. As I used my decluttering steps (which I personally use all the time with all kinds of messes) I was able to get through it. I'm sharing that story, but also talking about how people like me react to decluttering challenges and […] The post 197: The Decluttering Steps Are There When You Need Them Podcast appeared first on A Slob Comes Clean. Hi friends! Today, we're partnering with Grove Collaborative and I'm here to share an amazing deal Grove is offering for new customers. Watch the video below for full details or click here to get some amazing freebies with your first order. I've been using Grove for a while now, and I love how easy it is to stay stocked on clean personal care and cleaning products each month. Your box is completely adjustable each month and you can even skip a month if you don't need anything. 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This expands OPEI's product representation to now include golf cars and light transport vehicles. “OPEI is a natural fit for these products as we actively represent a wide range of utility vehicles currently in the marketplace,” says Kris Kiser, President of OPEI. “As the association of record in this space, we're a leader in the development of safety standards for UTVs, and have significant experience as it relates to these vehicles with the U.S. Consumer Product Safety Commission and other regulators.” OPEI currently represents manufacturers of utility vehicles for a wide range of end-user applications. ILTVA developed and maintained ANSI standards relating to the design and performance of golf cars and personal transport vehicles. That organization will wind down its operations, and those standards will now be part of OPEI's ongoing standards development work. “As uses and applications of these products have expanded, it made sense for us to partner with OPEI. The association has a demonstrable history in utility vehicle safety and performance standards and representing these products before regulatory authorities, as well as a deep background in market statistics collection, and positions us well as we look toward the industry's future,” says Mark Wagner, member, OPEI Board of Directors, and President and CEO of Club Car, LLC, Ingersoll-Rand Industrial Technologies. “We're excited to work with OPEI on the representation of our products on a going-forward basis.” The post OPEI Expands Product Representation, Adds Golf Cars And Light Transport Vehicles appeared first on Turf. 257 Broadmoor Bnd, Pittsboro, IN, Pittsboro, INRanch Home Featuring 3 Bedrooms And 2 Full Baths1200 Square Feet! Split Floor Plan And All Bedrooms Have Large Walk-In Closets. Huge Great Room... 159 Lockerbie Ln, Pittsboro, IN, Pittsboro, INOne of the best Brixton Lakes has to offer in size & price. 4 beds, 3 full baths. Updates include new bathroom sinks, freshly painted bedrooms... 115 Brooks Way, Pittsboro, IN, Pittsboro, INWell Maintained 3bed/2.5 Bath In Popular Brixton Place! Large Wrap Around Porch Welcomes You Home. Open Family Room And Huge Loft For 2 Rec/Living... 4802 E Us Highway 136, Pittsboro, IN, Pittsboro, INA Little Slice Of Country, West Of Brownsburg. This 3 Br Custom Built Home Has Been Meticulously Maintained. New Furnace, A/C, Gutters, Windows And... 5641 N County Road 375 E, Pittsboro, IN, Pittsboro, INJust The Facts! Classic Brick Ranch Located In The Country Yet Only Minutes From I-74 & Straight Shot To Indy Or Crawfordsville. Over 2000sf Of... You've probably heard the saying “new year, new you”, but have you thought about the saying “new year, new yard”? The new year is a great time to take on new projects and to better yourself and space around you. Here are some steps for planning your new yard: Gather Some IdeasThe first step to planning your new yard is to get a good idea of what you want for your space. You can do this by looking around for inspiration. Start with your friends and family; has anyone you know done any lawn makeovers recently? Was there anything specific that you liked or wanted to include in your space? You can also go online to look for inspiration. Look at websites, like Pinterest, and galleries of landscaping companies to pick ideas that you want to include in your space. It is a good idea to keep a compilation of your thoughts and photos or links to things that you may want to add. The more organized you are with this part of the process, the better off you will be when it comes to executing your landscaping. Evaluate Your Wants and NeedsThere are certain things that need to be included in your landscape- space for pets and children to play, adequate lighting, safe walkways, etc. There are also things that you want to be included in your space such as pools, water features, and gazebos. Write a list of all of your needs and a list of all of your reasonable wants, and start planning on what you can reasonably fit into your space. It is important to be practical and to understand that not everything will fit into your yard. You will need to prioritize what you think will most benefit you, your yard, and your family. Once you have a concrete list of what you do and do not want to be included, you can start planning. Look into Local LandscapersOnce you have an idea of what you want for your yard and the different aspects that you want to include, it is time to look for a good landscaper. To do this, it is important to ask around for recommendations and to read online reviews. Reviews are a great way to get honest feedback and first-hand experiences about what people were happy and unhappy with in regards to their landscaping experience. Make sure to look for photos of past projects and to seek out workers with good reputations and beautiful work. The better the company you work with, the better overall experience you will have with creating a new yard for the new year. Build a TimelineNow that you have your ideas, your wants, your needs, and a trusted landscaper to work with, it is time to create a realistic timeline. Some landscaping projects are going to take longer than others. For instance, a pool installation will take much more time than adding some new foliage. Plan your timeline accordingly. If you want to enjoy your brand new patio for the summertime, make sure that you are making the plans to build it in the early months of spring. Having a timeline established will ensure that you get the absolute most out of your backyard remodel. Fill Out Our Vision PlannerWhen you know what you want and when you want it, the next step is to fill out our Vision Planner. Your Vision Planner will help us to understand the details of your project and will help us get an idea of the total price of your remodel. The vision planner tool is thorough and effective and will help us to get on the same page as you so that we can begin your landscape transformation. You can fill out the Vision Planner here. The new year is a time of new beginnings, and your yard should be no exception. 2019 is the year to get the landscape of your dreams, and we are here to help make that happen. If you are interested in learning more or have any questions about our services, please do not hesitate to call us at (440) 543-0500. The post Planning Your Yard for the New Year appeared first on Cleveland Landscaping and Snow Removal. Do you expect to qualify for the Earned Income Tax Credit in 2019? If so, ezTaxReturn is a great, FREE, tax software service to consider. It's got excellent navigation, and is easy to use. The downside to the software system? We don't recommend it for investors or real estate owners due to what the software supports this year. Quick Summary
Quick Navigation ezTaxReturn.com NavigationIn 2019, ezTaxReturn showed massive improvement in the area of navigation. In fact, it's question and answer style of interviewing rivaled TaxSlayer and FreeTaxUSA which are the most robust mid-tier tax filing software packages. EZTaxReturn.com Ease Of UseBefore you even start the ezTaxReturn software, it's useful to figure out if your situation is supported. Use this article to see if ezTaxReturn supports your income and deduction needs. So, if ezTaxReturn supports your situation, is it easy enough to use? EZTaxReturn.com Knowledge ArticlesIn 2019, ezTaxReturn has some of the best “built-in” knowledge articles of any software package. I was impressed by how well the software package explained many difficult concepts in concise bubbles. Plus, it always has an option to guide users through some of the most difficult to understand concepts. EZTaxReturn.com Plans And PricingezTaxReturn has just two pricing tiers. You qualify for free pricing if you earn the Earned Income Tax Credit. Everyone else has to use the higher priced tier. Just a note: I joined the ezTaxReturn email list and qualified for 15% off the list prices. It's always worth looking online for discount codes to see if you can save a few bucks.
*ezTaxReturn supports the following states: Alabama, Arizona, Arkansas, California, Colorado, Georgia, Illinois, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, Wisconsin. Who Should Use EZTaxReturn.com In 2019?For 2019, ezTaxReturn is suitable for users who will qualify for the Earned Income Tax Credit (that is people who get the service free). It's also a decent choice for people with side hustles or self-employed businesses that don't require depreciation. I do not recommend it for real estate investors, traders, and most higher income earners. Credit Karma is an excellent free choice, and H&R Block or TurboTax offer better experiences for people with complex filing services. The post EZTaxReturn.com Review 2019 – Great For EITC Filers appeared first on The College Investor. We all know to use the peephole before letting anyone in the front door, shut our windows and lock all our doors as some ways of being secure in our home, right? But, are there any other ways you can make your home that bit safer? Guess what, there are in fact several other ways you can make your home that little bit safer. Protecting your home from unwanted intruders is way easier than you may think. Below are 5 tips on how you can keep your home area safe as well as help prevent break-ins. Locking Doors Even When At HomeSome of you may feel it unnecessary to ensure all your doors are locked even when you happen to be inside the house. Doing something small such as this can help prevent you from experiencing any nasty surprises, for instance, finding a stranger sitting on your living room couch as you come from the basement. This can also get your mind into the habit of always locking all your doors which means that when you're stepping out of the house you're less likely to forget. Keeping Valuables And Electronics Out Of SightA lot of thieves window shop before they decide who to target. Sometimes, it only takes the view of a brand new laptop or a flat-screen TV to entice them into breaking in. Go outside and take a quick lap around your home. How much of your valuables can you see when you peek through your doors and windows? We understand that in some cases having to rearrange your house might not be convenient, but always try to ensure your curtains are closed whenever you leave home. Do A Bit Of LandscapingThe shrubs and trees surrounding your doors and windows can act as perfect cover for thieves and burglars of all kinds. They can use these things as shelter to try and break in without being spotted. Try tidying up the larger plant vegetation found around the basement and 1st-floor doors and windows. This will help you minimize the coverage amount they'd potentially provide to intruders. Investing In A Home Security SystemBoth company-monitored, as well as self-monitored security system plans, can help you enhance the security of your home. They can also help you catch and deter unwanted guests as well. It won't hurt to take some time and learn a thing or two about the different home security options available to you. Here, https://www.ddcountermeasures.com/best-security-camera-systems-for-small-business/ are a few examples of how safe some security systems can make you feel. Ensuring Your Home Always Looks Lived-InWhenever you intend to take a trip out of town, even though it may be for just a couple of days, there are a few things you can do to make your house look like it's being lived-in. For starters, you can set timers designed to turn both your outdoor and indoor lights as you normally would each evening. These are just but a few of the ways you can make your home a little bit safer. It really isn't rocket science, don't you think? Hopefully, this article has now gotten you pointed in the right direction. That is, of course, if you weren't already. Start making your home safe today. The post Make Your Home Secure By Doing These Five Things appeared first on Handyman tips. It is a cold, hard truth that budgeting for commercial property taxes can be difficult. The stakes are high. If you get it wrong, your annual property tax bill can often be a budget-breaker. To create a meaningful budget that truly helps you manage your cash flow, owners need to know and understand the realities of property tax. • GAAP won't work - GAAP requires amortized historical cost while property tax requires fair market value. • Unpredictable - Process controlled by local taxing authorities and tax payers have the burden of proof. • Local resources - State law is executed at the local level with available resources. Before you need to grab a lifeboat, learn more in our infographic below. Design 2019 is upon us and this is the time of year that we like to look around and decide what to leave behind to make room for new beginnings. So naturally, the interior design of our homes and businesses is part of this process.
This year there is an array of creative excitement in architectural arches, darker wood, and eco-chic choices by international designers. But, that's not all, so read on to see what designers predict for design 2019. 12 Trends for Interior Design 2019Trend 1 • Architectural ArchesArches are a pleasant transition from one room to the next which is only one reason why they are a current architectural trend. They also create a luxurious classical atmosphere and add exceptional character to your modern home design. I am also impressed with the way their round soft curves create a tranquil work of art out of a simple passageway. Trend 2 • Bold Beachy ColorsI love Pantone's Color of the Year “Living Coral”! This color is an absolute joy and will enliven any room but looks especially at home in this beach house. Pair it with other pastels or jazz it up with complimentary accessories all around. Trend 3 • Creamy Pastel ColorsCombine the earthy elements of concrete or wood with these soft yet glowing ice-cream colors to get a space with a heavenly effervescence. This year's pastels fit nicely with most decors and are easily complemented by terracotta or emerald green. You may consider these colors as the new neutrals for design 2019. Trend 4 • Earthy Natural ColorsIf you want natural elements throughout your home, consider decorating in colors like this kitchen shown in Sherwin-Williams “Cavern Clay” 2019 color of the year. These colors are mediums through which you may dress up your home with sophistication or bring it right down to earth. Trend 5 • Eco-Chic LivingSustainable furniture design continues to expand and grow in popularity among designers. You will see more of this style in 2019 as designers explore increased possibilities of recycled materials in their creations. Shown here is the work of Kim Markel whose delightful, earth-friendly Glow Chairs are made of recycled plastic. Trend 6 • Gallons of GreeneryLiving plants instantly add inexpensive color and luxurious, organic texture to any decor. Plants not only look great with most interiors, but they also purify and keep the air healthy. As designers become more and more conscious of the importance of bringing the outside in, look for lots of greenery in design 2019 because clean air is something we all need. Trend 7 • Headboards of GrandeurBig headboards make a grand statement as you enter a bedroom. The nice part is, you won't need to decorate as much space so it is an easy way to bring your bedroom up to a new level. Use soft colors and textures such as a fabric that is silky to the touch in a neutral blush to create an atmosphere of serenity. Trend 8 • Japandi StyleWhen this rustic Scandinavian style melds with the traditional elegance we all expect from the Japanese style, it equals minimalism with extraordinary lines, textures, and earthbound colors. Moreover, this modernistic style is still going strong in 2019. Trend 9 • Modern Mediterranean StyleWe hear a lot of buzz among designers around updating the old and bringing in the new for 2019. This is no more evident than with the modern Mediterranean style with its expected classic features plus the addition of elegant contemporary design. Trend 10 • Metallics as AccentsMetals are in and it isn't limited to a particular tone. Use them together or use one tone across an entire room. The spectacular gold multi-layer round chandelier shines over a round glass table with a gold-toned metal base. Metallics are inherently glamorous in any setting and this one tops the charts! Trend 11 • Rugs as Statement Wall ArtAn eclectic yet modern statement that's now trending is when you put your rug on the wall as a striking statement of art. So, before you put that new area rug down on the floor, try it on the wall first to see how it feels. It might just be the coup de gras of your interior design for 2019. Trend 12 • Warmer Darker WoodA deeper, darker shade of wood is seen not only in the kitchen but the living room and bathroom as well. Interior design 2019 brings out the warmth of luxurious wood paired with textured wallpaper for layers of organic elements across the spectrum of your design. In particular, black oak is a strong trend not only for its natural beauty but also for its incredible warmth. Additionally, it gives us a feeling of being grounded which is a very nice effect for you, your family, and guests. Please note that if you opt for a wood basin in your bathroom such as the beauty shown below, ensure that it is sealed properly with a waterproof silicone to prevent mold and keep its finish intact for a longer period of use. This is a lot of information but understand that this is only the beginning of the 2019 trends! Stay tuned for upcoming posts that goe into more depth about what to look for when you want to update your surroundings to one or a few of the latest interior design alternatives and trends for your home or office. Other Posts You Might Enjoy:Enhance Your Interior Design with Beautiful House Trees 3 Excellent Interior Design Resolutions to Bring in the New Year 6 Styles of Winter Rugs You Can Heat Up Over 5 Ways to Invest in the Future of Your Home The post 12 Unique Trends to Expect in Interior Design 2019 appeared first on Dig This Design. |
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