Home And Family
Photo back grounds and water colors
Photo back grounds that clash along with or overshadow your photos can spoil the result of a beautiful scrapbook, so how could you be certain to protect your reminiscences by making a scrap booking as stunning as they are? The greatest page backdrops pick upward colors in the pictures displayed. It may be hard to do that with the store bought history, but it’s very easy to accomplish yourself.
Choose two colors from the history of the actual photographs you’re utilizing and complement these to some watercolor ink Pat the printer ink pads themselves on to plain greeting card, then make use of a somewhat damp fabric to distribute the printer ink in swirls at arbitrary around the actual page. Depart it in order to dry and replicate with an additional color, or allow 2 watercolor ink’s operate together. Should you would like your web page to reveal a specific theme, create a good abstract design with the actual ink pads along with a moist cloth or even brush, after that, as soon as that offers dried, use 1 color associated with ink as well as an suitable stamp in order to stamp equally across the top of page. Acrylic rubber stamps are especially helpful for this since the clear mount causes it to be really easy to understand precisely where the seal of approval is heading.
Another strategy is in order to dab the actual ink pads about the web page and follow having a small moist sponge. If the printer ink is moist enough you will be able to location linen of card along with the unique sheet, stroke them collectively and after that pull aside, departing a subjective, swirling colored background at the rear of. Producing two pages at the same time is perfect for the two page design. Finish your scrap booking background having a placed embellishment within the top remaining of 1 page and also the bottom part right from the other. A swirl or even other common ornament is ideal for common purpose WebPages, or choose some thing appropriate for your theme. How big the stamp ought to be proportional to how big the pictures you plan to include. Rubber stamping the exact same motif at the very top right and base left tells the attention to proceed across each pages and produces a single two page design.
One of the actual glories of the technique is that even though you don’t such as the impact of water color inks about the entire page, you will find the pattern satisfying somewhere. Cut away the part you such as and utilize it to produce a cut out or perhaps a pad for an image. In scrap booking, there is nothing ever squandered! You’ll discover the technique works equally well for darkish colored card since it does for whitened, lotion and pastels. Use light colored inks upon dark colored card for any very various look utilizing exactly the same technique.
Enough Stuff Already! How to Help Your Elderly Parents (And Yourself) Pare Down
In twenty years of helping people settle their estates, one glaring fact always stands out: we have way too much stuff! Just start poking around your closets, under the beds, up in the attics or your garage, and you’ll agree. Our overstuffed and cluttered homes, and garages that can’t hold our cars, have created a new industry: professional organizers; thank goodness for them. Let’s not forget the good reason why all of these storage companies keep going up across your city. People can’t seem to let go of their “stuff.”
Don’t organize your junk — get rid of it! If not for yourself, then do it for your children. Your thought process should be, “I won’t leave all this clutter for my children.” Whether you are trying to help your parents clear out their clutter or attacking your own bulging closets, here are some basic principles to make the job easier.
Think “Three Piles.”
Imagine three huge piles labeled “Sell”, “Donate”, and “Discard”. Then as you go through the house, determine what you want to do with everything you find. Things of value that you don’t need anymore should be set aside for an estate sale. First, find out their true worth. They may be less valuable than you were told, or you may be in store for a pleasant surprise. Things that might be useful to others, such as extra winter coats, shoes, or small appliances (that still work) can be donated to agencies such as Goodwill, Kidney Foundation, or the charity of your choice.
Things that have just accumulated for no apparent reason should be discarded. This is the category where you need to be brutally honest with yourself. Do you really need to keep forty years of National Geographic or all those Cool Whip containers and pie tins? Every one of us has boxes and secret stashes of things we’ve saved, thinking they will come in handy some day. They probably won’t. Here’s a good rule of thumb: If you haven’t seen or used it in one year, chances are excellent you never will again. They are either beyond their usage at this point, or no one else wants them. Let them go and lighten your load!
Start at the Top
You’ll accomplish things a lot quicker if you have an orderly plan, and the best place to start is in the attic, and work down. Why? The attic is usually the hardest, so everything after that feels like a cake walk. Having a specific “road map” keeps you focused and provides encouragement and motivation as each level of the house gets de-cluttered. Make sure you have several helpers to work as an “assembly line” and then decide what should be done with all the items you have brought down. Over 90% of items in attics are usually discarded due to exposure to hot and cold, or items that are no longer useful.
Be Prepared
You will be far more successful clearing things out if you have what you need to do the job. A good pair of gloves and a dust mask will protect you from common hazards in every attic and basement. Keep a ladder or step-stool handy or you’ll never get to that top shelf where most of the clutter seems to end up. Other things to help you do the job efficiently: heavy-duty trash bags, a flashlight, masking tape and a marker to identify items going to family members, empty boxes for the hundreds of small items you’ll eventually want to sort, and bug spray (hornets have discouraged many well-intentioned attic cleaners).
Think Green
If you’re like most people, your “discard” pile will be among the largest. Don’t just haul it off to the landfill. Take a little extra time to separate things like paper, plastics, glass, etc., and take those things to a local recycling center. If you have a large amount of metal on your “discard” pile (old lawn furniture, non-working appliances, lawn mowers, even old cars) there are companies who will pay you to haul them away, thanks to the price of scrap metal. You will also likely find dozens of half-used cans of paint and other solvents that need to be discarded, so call your refuse company for instructions on how to dispose of these chemicals safely.
The Family “Jewels”
One of the biggest areas that create ill-feelings among family members are the “valuables” – items of either monetary or sentimental value that someone wants. This could be anything from a pricey piece of art to your mother’s hand mirror. If you’re clearing out your parents’ home after they have deceased, first find out if they left any documents to determine who gets what. For items not mentioned in the document, or if a document was never written, invite your siblings to go through the house with you, taking turns to select an item each would like to keep. Then, create a wish list, and have an appraiser assign a value to those items to keep it financially fair.
If you’re downsizing your own home, now is the time to talk with your children about those special things they would like to inherit. One important point to consider: if you or your parents have several items of value — paintings, art, collectibles, precious metals and jewelry — consider hiring a professional appraiser to determine the fair market value of those items.
Most of us know we have too much stuff lying around. The thought of trying to sort through our stuff is so daunting, we just try to cope with drawers that won’t close and closets you don’t dare open. It is an overwhelming prospect to many, so they dont’ clean out anything, and eventually leave it for their children. If you are overwhelmed, imagine how your children will feel, especially if they have to clean your house out in the midst of a crisis or grief.
Should your children offer to help you clean it out, let them. This is their way of telling you they don’t want to deal with it after you’re gone; they do want to help. Here’s the challenge: set a goal to clean out just one room. You will notice a difference immediately in how you feel in your home, and your children will be truly appreciative!
copyright 2009, The Estate Lady
By: Julie Hall
Chinese Antiques – Unique Ways To Bring Home True Pieces Of The Far East
Chinese antiques and Chinese furniture are sought after all over the world. Unfortunately what passes in most stores as “Chinese” furniture, may have been ‘Made in China’, but are only mass market replicas that don’t even come close to the charm, artistry, depth of colors and designs of the real thing.
If you want to give your home a genuine touch of China and its many different cultural facets you should opt for real Asian antique furniture, or if your budget doesn’t allow for these, choose an exquisite antique furniture reproduction that closely resembles the real thing. One well placed unique artifact will give an entire room a special touch of Chinese decor.
So what kind of Chinese antiques should you pick for your home? Unless you’re starting to decorate a room from scratch, take a look at the room where you’re planning on placing your ‘new’ Asian antique, and observe the dimensions, available space and existing furnishings. Your ‘new’ piece should fit in with the existing decor in color scheme, size and style.
Also decide what the piece is going to be used for. Will it contain dishes, the TV set, books, clothes, etc., or will it be purely decorative? Decide, whether for example your ‘new’ Asian cabinet will be the focal point of the room, or if you wish it to blend in with its surroundings. If you want your antique Chinese furniture to be the center of attention, you will probably want a piece that contrasts in color somewhat with its surroundings, while still fitting in with the all over color scheme.
If you decide ahead of time the use, size and basic color scheme for the Chinese antiques you’re planning on purchasing, you will find it a lot easier to choose from the endless variety of beautiful, authentic pieces of history available to you.
Another approach could start with a special piece of Asian antique furniture you might have fallen in love with. In this case the Asian antique becomes the center piece right from the start and its surroundings will be chosen to go along with it. In a way this is an easier approach, but one that only works well when you redecorate a room entirely.
What makes Chinese antiques so unique are the different styles, depending on their province of origin, and the, for Westerners, uncommon workmanship, the special hardware, the practical way these pieces have been put together; all of these giving Chinese antiques an ingenuity, longevity and unique beauty, that is only enhanced by the years that have gone by.
To decorate your home elegantly with an exclusive air of the Far East, you just can’t go wrong with Chinese antiques; a point also proven by many decorators and interior designers that weave Asian antique furniture into a great share of their work.
So take Asian antiques into account when thinking of purchasing a new piece for your home, since you be able to take advantage of one of the greatest varieties of ethnic furniture available anywhere. You will definitely find something you’ll love, since there are as many different styles as there are provinces and cultural backgrounds in China.
By: Christina Meier
How to Determine the Value of Antique China
If you want to start a collection of antique china you need to understand that there is a fair amount of knowledge you should acquire first. Knowledge like how to determine antique china value and how to recognize fakes.
You probably are already aware that the value of true antique china continues to go up. Recognizing the right price or price range for any piece of antique china can be very tricky. So here are some tips on what you should be looking for related to finding real antique china and at a fair price.
The age and style or pattern that is on the china has a strong influence on its price. Some patterns are quite desired and as a result demand a much higher price. Another major influence is if the item is from a particular dynasty, such as from the Ming dynasty where it can fetch an astronomical price. At the same time some items that look relatively the same can be worth very little. The trick is knowing how to tell the difference.
So before beginning buying or selling antique china you should understand that the most important part of trying to establish an antique china value is plenty of research. You need to arm yourself with as much information as you can about
- which kinds are most in demand
- which dynasties are most desired
- which patterns are the most collectable.
When you start looking make sure before you buy anything, that you check each piece to make sure it is undamaged.
Chips and cracks are unacceptable in any piece you are interesting in purchasing. Be aware that even a tiny amount of damage can affect the piece’s value. Maybe in very rare cases a piece’s market value is so high that minor chips and cracks will be overlooked. But most likely the value of the piece will be reduced substantially.
Crazing is also not acceptable for a good piece of antique china. Crazing is those fine cracks on the surface of the glaze. It is the result of temperature change and then as the dish is used these fine cracks are stained by the food and being washed.
Though it is fairly easy to spot scratches, cracks and crazing it is not as easy to tell when repairs have been done to a piece. Sometimes it’s helpful to use a magnifying glass to really check it out. A new tool some people are using to help them find defects is a black light. If pieces are viewed with a black light in a dark room, it can highlight repairs that have been made in the past. And every little imperfection will lower a piece’s value.
Another thing you must be able to do is determine how old a piece is. This is easily done through the piece’s stamp, or emblem which is usually found on the underside of the object. Dating a piece is critical in terms of the piece’s value. It can help you determine if the piece is genuine or a clever fake.
The thought of finding a rare piece is what keeps most collectors looking. Learning to identify antique china correctly will help you find good deals and make sure you are not conned.
After you have heard the ring of a genuine piece of fabulous bone china and felt the softness of its patina you will truly cherish fine antique china and will never be satisfied with less than the real thing!
By: Tack Smith
2007 Mortgage Forgiveness Debt Relief Act Gives More Teeth To Home Buyer’s Market
Home owners who need mortgage debt relief are not the only ones who will benefit from the recent passage of tax relief for homeowners undergoing foreclosure. The Mortgage Forgiveness Debt Relief Act of 2007 (H.R. 3648) has finally been passed by both chambers of Congress as of December 14, 2007 and has been signed into law by the President. This long awaited bill provides much needed debt relief to thousands of home owners who unfortunately have been caught up in the catch-22 of the sub-prime loan fiasco and are losing their homes through the foreclosure process. Once the adjustable rate loans on those homes “adjust up” the home owner almost always cannot afford the higher payments and the foreclosure tidal wave sweeps them from their homes.
Even worse, if the home owner made arrangements to sell the house for less than the actual mortgage, through what is commonly known as a short sale, the IRS came swooping in and claimed the difference between the actual sale price and the mortgage owed on the property as “earned income”. Not only do they lose their home through foreclosure, they also incur an additonal tax bill. Talk about a raw deal.
For example. If Joe and Jane Smith owned their home with an adjustable rate mortgage note of $500,000 and was paying at a low adjustable interest rate of 3% per year their payments would be approximately $1,250 per month. But after a two to three year period the interest rate adjusts to 5.75% on the same amount of $500,000. The payment adjusts to approximately $2,396 per month. Joe and Jane’s budget will only allow for payments of $1700 per month maximum. They are in trouble. To add insult to injury the real estate market is spiraling down and property values have taken a nose dive, including Joe and Jane’s home. The property’s value is now $400,000. Joe and Jane’s property value is now upside down. They can’t afford to pay the mortgage on the property and they can’t sell it even for the amount they owe on it. A “catch-22″.
The bank foreclosures because they can’t pay the mortgage. Joe and Jane in the meantime receive an offer to purchase the house for $375,000. The bank, because it knows something is better than nothing, agrees to accept the buyer’s offer and to release Joe and Jane from the responsibility of the $500,000 mortgage debt, a difference of $125,000. This is forgiveness of debt. To the IRS it’s called income. Under the IRS code the IRS could and in many cases has sought to tax the home owner for the debt forgiveness amount. In this case Joe and Jane, as if not already in enough financial trouble, would owe taxes on the $125,000 too. That is until the recent passage of the Mortgage Forgiveness Debt Relief Act of 2007.
This Act amends the Internal Revenue Code to exclude from gross income amounts attributed to a discharge of indebtedness incurred to acquire a principle residence (the one the home owner lives in). The amount of debt forgiveness can be up to $2 Million. This is great relief for all of the Joe and Jane’s of the adjustable rate world who just can’t keep their homes because the payments are too high and in many instances the property value has also decrease significantly.
THIS IS GREAT NEWS FOR TWO REASONS:
1. The current homeowner is relieved of a staggering and depressive tax obligation possibility, given a way to sell the home for less than owed on it and avoids a foreclosure on the home owner’s record.
2. Because the bank has taken the property back in its Real Estate Owned (REO) department it is very motivated to get rid of the property as quick as possible to avoid holding it and suffering a further loss as well as bank regulation demerits that a bank suffers when property is taken back after a mortgage failure. Here’s How The First Time Home Buyer Is Helped? It helps the first time home buyer in many ways. The definition of a first time home buyer is anyone who has not owned a home within the last three years prior to obtaining a mortgage on their principle residence.
The Mortgage Forgiveness Debt Relief Act of 2007 will increase short sales of homes that homeowners cannot afford and now know they cannot be held liable for any “debt forgiveness” tax. Sellers who are forced into foreclosure will have more flexibility in negotiating with the mortgage holding bank and the buyer who makes an offer to purchase the property. Since the property value is now very low it is an excellent time for a buyer to buy the property and lock in the interest rate at a fixed amount that the buyer can afford. A 30-40 fixed interest rate should be obtained. There are plenty of them available. The bank is inclined to work with the buyer in order to get rid of the unwanted inventory.
Remember banks are in the lending business, not the real estate business. They cannot make money unless loans are made. Holding property in inventory does not make the bank money. In fact they lose even more money because the home is now vacant, subject to vandalism and the maintenance and upkeep does not stop. The bank also has to hire a property management company to oversee the property. Get the picture. The bank does not want the property. It wants to sell it. This is great for a first time home buyer. He/she can get a great low market buy, locked in with a long term mortgage rate that they know they can afford before going into the loan and best of all when the real estate industry rebounds, which it surely will, the buyer will reap the benefits of increased value appreciation that helps to build a solid estate.
The first time home buyer can also use one or more of several down payment assistance programs that will help with the down payment on the property purchase. This is money that never has to be repaid. There are several local, state and federal programs available. Down payment assistance up to $50,000 or more is possible. Now is the time to Stop Making Your Landlord Rich!! and own your own home. Hope this helps somebody go out and make their dream of home ownership come true.
By: Roy Landers
Appraisal Value Versus Market Value With Collectibles
When dealing with guitars, antiques, or any collectible for that matter, there is a fine line between appraisal value and what the actual item is worth. The word “appraisal” gets thrown around quite a bit, and most of the time the “appraised” item in question has false perception tied to it.
There are many resources for appraisals, and seldom is there such a thing as a free appraisal. When you get an item appraised, you are being sold an appraisal. Appraisals are a service, and most of the time there is a fee for this service. That being said, this discussion in no way, shape, or form intends to discredit anyone who provides appraisal services.
There is a huge difference between appraisal value and actual market value. Let’s use a 1960 “burst” Les Paul for example, say in 60% condition. There are resources out there, appraisers and price guides, that would consider this particular guitar to be worth upwards of $100,000. In actuality, this guitar could sell for $60,000. That’s a 40% difference in price.
People can be misguided when it comes to appraisal price. If a luthier (or any appraiser) puts a $100,000 appraisal on said guitar, again, that’s appraisal price, not market value. The guitar, again in 60% condition, most likely will not sell for the appraisal price, and the price realized will most likely be considerably less.
Most people with these appraisals seem to think that their items are worth the same amount liquid as they are appraised. Unfortunately, the market value of these items is almost always less than the appraisal. Think of an appraisal as an insurance policy. Let’s say that you had a flood or a fire in your home and your guitar was destroyed or damaged beyond repair. If you were to provide a copy of that appraisal to your insurance company, that will most likely be the amount you will receive for replacement. When it comes to market value, these instruments simply don’t sell for your appraisal value.
You can even do some research yourself. Say you have an old Fender Telecaster in fair shape with a $15,000 appraisal. Next, try to find a comparable guitar with the same specs, and see if you can find one that actually sold for your appraisal price. The outcome? You won’t find one. There could always be a diamond in the rough that might sell for close to appraisal price, but most of the time it will sell for upwards of 40-50% less. That is the reality of appraisal value compared to market value.
By: Ryan Krushas
Antique Camera Values
Collecting something in the free time was a favorite pass time for people of all ages. Stamps, coins, bottles, etc are favorite collectible items for many. Collecting something in the free time has been a favorite pass time for people of all ages. Stamps, coins, bottles, and arts are favorite collectible items for many. Many people attach great value to things that were used in the past. Collecting of antique cameras has been taken up as a hobby by many-a-people. Many of the cameras that came in the past have a good antique value today. Hearing the word antique need not make one turn his/her face away. It is interesting that there is growing appreciation for roll cameras in this age of digital cameras. Such cameras produced a century ago have a good market value as antiques. It may appear a costly affair to invest in camera and photographic instruments. But if applied oneself into the field, s/he could find really valuable antiquity among cameras within the budget.
Before buying an antique camera, have a look at the antique market to have an idea about the real value of the antique you would possibly buy. Paying much more than its value and later being forced to sell it at a much lesser value will rob you of any enthusiasm left in you towards antiques. If you have an eye for detail and willing to go around, you could even get an antique of high value at a local auction center at a fraction of the real value. In such a condition you need not burn your pocket to grab the piece of artifacts that you wanted for a long time. Go around the groups, auction sites, and enthusiastic antique collectors and get a trend of the market.
You have an antique camera and would like to know its value in the existing antique market. There are various options before you, like buying a price guide, or subscribing to an online price guide that deals with antique camera, having a look at the online auction sites or getting the help of an antique appraisal service, keeping in touch with antique camera dealers-both online and offline, listening to talks among groups established by professional camera collectors etc to get an idea of existing trends in the market. The question arises when you have a really unique and rarest of all cameras. You could not find something like the one you have any where. Such a situation is a happy situation. No one would want to lose here by not knowing the real value of the antique camera you proudly own. But winning here is a tricky game. Knowledge of the market and a good knowledge about the artifact you have are important in gauging the value of your antique camera.
Buying or selling an antique camera isn’t a simple thing though it appears. Keeping track of the trends in the antique market and value of antique cameras is important. It does the trick if you find a reliable guide- be it a man, or a catalogue or an online support program. But getting the value of the artifact you have or the one you intend to buy in a timely and authentic manner is important if you are making anything out of the deal. Getting an accurate appraisal in time can save you your efforts, time, and of course your money also. A real guide can guide you through the entire process of appraising an artifact to closing the sale.
By: Sonali Sen
Selling Online? The True Definition of a Collectible
Established Collecting Patterns
Seasoned antiques and collectibles dealers may find the concept to be ‘old hat,’ but the truth is, the more popular and desirable a thing is, the greater likelihood it will sell quickly. That truth is not always readily apparent to those who are new to this rather specialized sales arena, however. So the ‘True Collectible’ guideline is an attempt to convey the principle.
The online selling field may seem infinite in scope, too, with millions of potential customers worldwide. But, success in selling collectibles on the Web is gained in much the same way as it is in the physical world, by knowing buyers’ needs and meeting them. Success can depend to a great degree on whether or not you are offering collectible properties able to meet at least one of these three key commercial elements:
1. Not easily obtainable locally.
2. Wide appeal due to a current surge in popularity or because an item is able to ‘cross over’ collecting boundaries.
3. Competitive pricing.
Consider the Market’s Opinion of the Item
Say that whenever she can, your neighbor’s Great Aunt Mable clips articles about David Hasslehoff out of current periodicals. She collects these by pasting them into a scrapbook. Is it likely that multitudes of other people share her desire to do this? If she were to try to sell said scrapbook full of modern clippings online, would very many buyers react favorably and vie to buy it? While her scrapbook may be factually described as ‘rare’ or a ‘one of a kind’ item, who else but Mable might care to own it, even so? How can such an item be assigned sure status as a ‘true collectible’ with an established and recognizable monetary value?
Because collectors often look upon their collections as having investment potential, collectibility always contains monetary implications. So, manufacturers often hype the ‘limited’ nature of new items they have to sell, or they might place a public declaration on the item itself, to imply sure and certain future value.
But, neither limiting production, nor printing the words ‘Fine Collectible’ on either an item or the box in which it came, can ensure that future collectors will want items more than others do today – or that they will be willing to pay more to own them. Great Aunt Mable’s scrapbook illustrates that simply knowing someone, somewhere, collects a particular thing can’t automatically grant that thing status as a ‘true’ collectible. Maybe 50 or 100 years in the future Mabel’s scrapbook will be all the rage. Today, and probably for the near foreseeable future, others will judge it to be just a scrapbook full of common clippings.
Only the market at large can decide which things are highly desirable or more valuable than other objects. The individual collector or manufacturer has little actual ability to impact secondary market choices in regard to preferential items.
So, What is a ‘True Collectible?’
Basically a True Collectible is an item for which a reasonably well numbered audience of avid buyers can be expected to exist and for which a pattern of recognizable trade on the secondary market has been established.
If that statement doesn’t clarify the notion sufficiently, it may help to mentally replace the word ‘true’ with the word ‘legitimate.’ A 20-year-old sock previously owned by a musician would not be a ‘legitimate’ collectible. But a sock of the same age, and the unimpeachable provenance of having been on the right foot of Elvis Presley while he performed ‘Jail House Rock’ on the Ed Sullivan show, would be legitimate, since trade in Elvis memorabilia is a well established collecting niche.
To ‘collect’ means to accumulate as a hobby or for study. A ‘collection’ is a group of objects or works to be seen or kept together. But a ‘collectible’ is a group or class of objects sought by collectors. Note that the definition is expressed in plural form, ‘by collectors.’
When something can stand the ‘test of time’ and even though an older item (or perhaps because it is older) people seek it, then offering it to collectors on the open market at an attractive price can logically be expected to result in its sale. If something very new cannot yet be found in a printed price guide book, printed for collectors, then a sale will likely be slow or non-existent, or the price at which it must be sold in order to move it out of inventory will not create an appreciable profit.
Confirming whether a piece has been mentioned in a printed price guide book as required by site listing requirements can help to ensure it meets the designation of a ‘true collectible,’ as defined above. If determinations like this are always made before listing newer items, shoppers are likely to begin to find a wider variety of the kinds of things they are actively seeking. And a gradual increase in sales may very well be the welcomed result.
By: Karen Frishman



