Rent collections via the internet they re not far awayllections via the internet they re not far away

Since the first rental units were built there have been property managers, a profession which requires both real estate expertise as well as a keen understanding of the human psyche. Property managers not only collect the rent and undertake repairs, they are also the bridge between owners and tenants -- two groups often in conflict. But have modern times changed property management? How does management today differ from 10 or 20 years ago when there weren't electronic credit checks, computerized accounting systems, or online resources for both tenants and owners? Is it really possible that in the near future we'll lease properties and pay rents online? "Things are always changing, and yet they still remain the same," says Howard M. Haberman, the vice president for sales and marketing with ReManage, a major supplier of property management software.

"The property manager's function is to manage the lease agreement and maintain the physical property, that often involves fixing things that break. Sure, we now have the Pilot, notebooks PC's, and lots of tools, but the job isn't much different. "On the other hand," he continued, "since the tools have become more complex, the professional manager and the entrepreneurial property manager may be required to have a greater technical knowledge than in the past." Haberman points out that automation can free managers from repetitive tasks, which means more time is available to work with tenants, vendors and owners. "As simple a thing as posting the monthly rent charge to the tenant ledger card takes time," says Haberman, who has an extensive background in accounting. "It can be replaced by a keystroke that will post from one to thousands of rent charges automatically." Haberman says that the bookkeeping aspects of property management are fairly straight-forward -- until it comes to do taxes and handle large numbers of units. "If it were not for the tax requirements, much of the accounting, especially for smaller ventures, could be done on the back of an envelope," says Haberman. Owners with small properties, says Haberman, those with 8-unit strip malls or four-plex apartment units, can often satisfy their bookkeeping needs with a basic accounting system. The cost of such software can often be quickly recovered in the form of reduced accounting fees. On the management side, a simple software system can offer several benefits. Track maintenance and work orders. This saves the property manager time and assures that needed work will be completed. Improve maintenance. Properties need constant maintenance. When maintenance is deferred or ignored, future costs of ownership increase and tenants are less satisfied. Reduce the chance of paying invoices twice. Tracking bills to know which vendor is least expensive. Most importantly, respond quicker to tenant problems -- thus improving tenant/resident attitudes and bettering retention rates and lowering vacancies. "One of the things automated (computerized) systems do well is add and compare," he says. "They're a natural for budgeting and tracking. Unfortunately, says Haberman, many of the larger management systems have become so complex that many owners and managers can't take advantage of sophisticated options. Even today, some large property owners and managers still user older, DOS-based systems, because such programs do basic management and are easy to understand. Because the old systems are in use and often work well, managers ask, "what additional benefits can I get with new software that I do not get from my current system, and will the new software be able to incorporate the data from the system I now have in place?" "With rare exceptions, most people I've spoken with over the years, when looking for software for a commercial situation, will require that the program does complex CAM, CPI and other additional rent calculations," he says. "They'll reject software that is more limited in that functionality. Invariably, however, a year after what they would consider a successful implementation, they're not using those features they demanded, and are calculating the additional rents on the same spreadsheet they've been using over the years." "One of the benefits of a simple program is that you'll use it," Haberman explains. As well, he says, simple systems make sense because new people are always entering the field. "Turnover is a reality in any business, and certainly so in the property management field. The simple program is easy to get up-and-running, and consequently is easy to teach the new person. The complex program takes more time to implement, and takes time to train the new arrival." In the future, says Haberman, we're likely to see more landlords relying on electronic funds transfers, or EFTs, both to collect tenant rents and to pay vendors who supply services to the property. ReManage 4.1, the company's latest management tool, runs on desktop, LAN, wireless, and Internet technologies. In essence, the system can use just about any medium to screen potential tenants, pay bills electronically, schedule repairs, and keep the books. And in the near future, it wouldn't be surprising if the system also collected rents directly from tenant bank accounts. "We're just beginning to see the use of electronic funds transfer for automatic repayment of rents," says Haberman, who suggests that in the San Francisco Bay area -- where rents are high, the availability of residential units is low, and many tenants routinely use computers -- owners may be among the first nationwide to routinely collect rents electronically. "The Internet is really going to be a major factor over the next few years. Won't it be nice to have the prospective tenant go to a web site, and drop in the personal information required, as well as their credit card information to pay the credit check fee, and automatically, the credit report gets transmitted to the landlord?" "Even better, wouldn't it be nice to have that information delivered to the landlord's property management system?"

Lunchbox battles

Oh dear, it's the battle of the lunchboxes. It's an endless guessing game - trying to decide what your children want for lunch. No worries, there are ways to give your child a proper lunch that will give them the boost they need to help keep them active for the rest of the day. Most parents pack lunches for their children, but the real problem is getting the child to eat it. And school lunches, though there are some changes being made in some schools, consist of things like pizza, fries, and hamburgers. It's essential to keep your child's lunch balanced with healthy snacks in order to give your child proper nutrition, and yet still be healthy and tasty. Does your kid's lunch need to be refined? It's important to pack a lunch that you know they will eat. Balance is the major factor when preparing lunch. The other meals that your child eats throughout the day comes into play here. If your child has a sweet snack or treat during lunch, a healthier dinner should be planned. If you're preparing a rich dessert for dinner, try to skip the treat at lunch. Remember to incorporate the food pyramid into their meals throughout the day. You can pack just about anything you'd like in your child's lunchbox, but if it is not eaten, no one is winning and money and food is being wasted. Breakfast is your child's most important meal of the day. It sets the tone for the rest of the day. Keeping quick fix items like toaster pastries and frozen waffles and syrup in the freezer is not a healthy start. Cereal and milk is a better option, or even toast with peanut butter. Milk is important in the morning. Most fruit drinks rarely contain any nutritional value and are packed with artificial flavors. If you want to give your children fruit in the morning, pick some of your child's favorite fruits and make a smoothie in the morning. Clueless about what your child likes to eat? Ask them! The best way to know what your kid wants is to ask personally. Settle on a plan that both of you can agree on for breakfast and lunch. Involve your child in lunch preparations and packing. Make a week-long lunch plan. Also remind your child not to swap or trade food at school. It defeats the purpose of everything you're working for. As you know, kids love to have fun. The same goes for their lunches. Try to use your imagination in creating a more appealing lunch. Even just a little touch, such as cutting their sandwiches into different shapes can be more satisfying than a plain piece of bread. Bite-sized pieces of fruits and vegetables, with a tasty, healthy dip makes the healthy stuff much easier and much more fun to eat. You can even create a "build-your-own" kit, where the child can make their own sandwiches, tacos, or hot dogs. It becomes an opportunity for your child to be free to express themselves and they will actually enjoy their lunch. With all of these tips, your child will be enjoying their lunch in no time at all. Always remember to keep their day balanced, and your child will grow up healthy and happy - and full!

Apartment locators

When you do a search on a Search Engine for "apartments" you are going to come across two types of Website resources; apartment locator sites and apartment database sites. Which is the best for you? Well, that depends on what your needs and circumstances dictate. It also has a great deal to do with your privacy comfort level. The Apartment Locator Site: If you are relocating to an area of the country that is totally new for you, someplace where you are unfamiliar with neighborhoods, schools, job centers, transportation, etc., then the apartment locator may be your best choice. These folks respond to your query by making telephone contact with you. You will describe your circumstances, needs, budget and other preferences. The apartment locator is usually extremely knowledgeable about the area and the local rental market. They will be quite helpful in finding you rental accommodations that suit your particular needs. In most cases, this will be a totally free service. The apartment locator is normally paid a commission or “finder’s fee” from the landlord or rental agent. With regard to your privacy, however, keep in mind that you are required to share your telephone number with the apartment locator and be open to the idea of personal contact. You need to decide if, or how much, that is acceptable to your sense of privacy. The Apartment Database Site: Unlike apartment locators, apartment database sites offer a broad selection of on-line apartment listings. They give you intricate descriptions of apartment complexes including, but not limited to, maps, amenities, rent ranges, contact information, etc. Pictures of the apartment units, inside and out, are usually included. An excellent amount of data helps you decide if any particular rental unit meets your needs and satisfaction. When you are moving to an apartment that is located within your present living area or when you are relocating to an area that you are totally familiar with, an apartment database site might be the one for you. Most require a simple registration process which usually asks for name and email address. You need not submit your telephone number and you will not be contacted personally by anyone. Like the apartment locator, most apartment database sites are free to you. Sometimes you are even offered a bonus of $100.00 or more if you list their site as your referring source when you sign your apartment lease. So, which is better for you, the apartment locator site or the apartment database site? The answer to that question is answered by your own unique needs, desires, situation and limits of personal privacy. Good luck on your apartment search and good luck in your new apartment.

Make lemonaid from a lemon

About 2 months ago my family grew by one more. When we had our baby, the reality that we could no longer fit our family into a car hit us. Our back seat simply would not fit 2 carseats and a carrier car seat. So off the the dealership we went to buy a mini-van. After browsing several dealerships in one day. I found two vans that I liked at two different dealerships. Here is how I got a van that is practically brand new, though the year of the van is 1996, for $8,999.00. The best part about it is, you can do it too! First, my husband and I went to 3 different dealerships. We found three vans that we loved. at the last dealership, I fell in love with a particular van. The van was marked at $13,995. I mentioned to the salesperson that there was a van that was practically identical at the dealership right across the street that was priced at only $9,999. I told my husband that maybe we should just go across the street and see about getting that one. I did this intentionally right in front of the salesman loud enough so that he could hear me. Within two seconds, maybe less, he chimed in with, "Let me talk to my sales manager and see what we can do for you." I agreed. I was expected him to come back with a price that matched the dealership across the street. To my amazement, he came back with a price of $8,999! That was a full $5,000 LESS that the original price with NO trade-in and nothing down! We jumped on that offer and signed the contract within 45 minutes. We did insist that they give us a 30 day dealer warranty with no deductible. They agreed. Being the "savvy shopper" that I am, I immediately drove my new van off the lot and took it to my father, a mechanic. He gave the car a good evalutaion and gave me a list of everything that was wrong with it. On my way home that night, my service engine light came on, six hours after I signed the contract. To say I was upset would be an understatement! I got up the next morning and purposely got myself all worked up and ready for battle. I waited for one hour after the dealer opened then drove my new van back to the dealership. The trick here is to not call ahead of time and go to the dealership at a busy time, usually on the weekends. One thing that dealers count on you not knowing is that, by law, you have a 72-hour cooling off period to take any major purchase back to where you got it and return it for no reason. So knowing this, I went back. As soon as I pulled into the lot, I was approached by another salesman. His first reaction to me was to ask me how I was. I replied with a simple, "Not good!" He asked what was the matter and I told him and gave him a list of everything that was wrong, including a cupholder being missing. I let him know that no matter how much I liked the van, I was had no reservations about giving it back, after all, I was within my legal limit. He immediately went back and got the sales manager, I vented to him, in front of other customers. He took back my keys and put my van into the shop immediately to save face in front of the other customers. he gave us a loaner van to use in the mean time. After two days, I still didn't have my van back, so I called the edalership and told them that unless I could get another 72 hour cooling off period, he could keep my van. I was obviously not going to be stuck with a van that I only had for 6 hours! Needless to say, I got my time extended. My van was returned to me that day. My cooling off period was extended, I had the 30 dealer warranty and the repairs were made. Curious as to what needed to be fixed? He is the list: the catalytic converter, several sensors, the transmission, the alignment was out, two tires were worn, it needed an oil change, the gas cap was missing and my cup holder was broken. By the time my repairs were done, my $8,999 van was worth a total of $15, 127! I got a practically new van after all the work was done! Then 2 days before the dealer warranty was up, I took it back in and got a new belt in the motor. I got a lemon and made lemonaide, you can too! Hint: Check out Carfax. com to see if your vehicle has been in an accident or anything else has been done to it. Most dealerships subscribe to this service so you should get it for free. If they dont subscribe, ask if they have an internet access you can use to check yourself, for free, while at the dealership.

A wedding shower invitation should be attractive and stylish

Wedding shower invitations should lay out all of the necessary information, yet still be attractive. One way to do this is to have a picture engraved on the invitation. Ask your engraver to add a small design on the inside of your invitation or wherever you have information about the reception. If, for example, an ice cream social is your theme see if there is an ice cream cone or Sundae dish they can emboss onto the paper without taking away from the main body of the invitation. Remember that subtlety is stylish; you don’t want to come across as overpowering with your theme. It may be difficult sometimes to know who to invite to the wedding shower. As a general rule, the wedding shower hostess or hostesses should invite all family members of both the bride and the groom. She should also invite close friends of the bride and the bride's family. She may also want to invite some of the bride-to-be's co-workers.

She should be sure to consult with the bride when compiling the guest list. Try to organize the people invited so some will set up the wedding shower game, someone else will set up the wedding shower favor, and so on. What do I put on a wedding Shower Invitation? The wedding shower invitation should include the name of the bride to be, the date and time of the shower, and the address and phone number of the hostess/hostesses. If you are concerned about the attendance at your wedding shower, consider including on the invitation a deadline date for the RSVP. (This is usually about two weeks prior to the shower date.) It may be difficult to make up a wedding shower invitation without prior experience. Because of this, it may be a good idea to have the same person who did your bridal shower invitation to also do your wedding shower invitation.

Photography 101 part 1

Equipment: camera, meter, flash, tripod This article is a simplified photography course directed at new photographers out there who want to know where to start. If you really want to learn photography the first thing you need is a good affordable and reliable camera. It must, and I repeat must, be able to shoot in fully manual and fully auto focus modes. (This leaves out any digital cameras on the market right now, sorry.) To really learn photography you must understand the equipment. You’ll need to learn how manipulating the shutter speed, aperture, and focus will have a dramatic effect on your photos. Meters, if you have a camera that can work in a fully manual mode it should have an internal meter suitable for what you will be doing. Tripod, you’re going to need one whether it’s portrait work or landscapes you’ll need one eventually. Luckily you don’t have to spend a lot here. Just something lightweight and durable. Flash, you can buy a separate camera mounted flash, which is great if you can afford it. Consider what kind of photography that you will be doing though. If you’re going to do mostly nature and landscape, you may only need the fill flash that comes with most cameras today. If you plan on doing portraiture alone you will want to consider a camera mounted flash that has an adjustable angle. Film, film speed to be exact. Slower speeds (25 to 400) are intended for portraiture and landscape photography. Faster speeds (600 and above) are intended for actions shots and photojournalism. So first you need to know what you going out to photograph and make sure that you have the appropriate film for the job. Now that you have the camera loaded with film consider shutter speed. Do you want to blur motion, or freeze it? If there is no motion at all what shutter speed do you need to expose the scene with natural light. From 1/60th and down to the bulb setting will blur most motion. For example if you want to blur the water in a waterfall, a setting of 1/30th should work. (You’ll need a tripod though.) 1/125th is a normal setting for most shots. On many cameras the 125th setting is marked in a different color to make it obvious. If you want to freeze action you’ll need to start with 1/500th and work up from there. The faster the motion the faster the shutter speed needed to stop motion. Many cameras go up to 1/2000th of a second. If you’re trying to use natural light alone in a scene you will want to determine the aperture first and then see what shutter speed you need to properly expose the scene for available light. (Keep in mind sometimes there isn’t enough light.) Aperture, these are the set of numbers on your lens closest to the body of the camera. They can go from 1.8 to 22, and they are referred to as F-stops. These numbers determine how much light reaches the film inside of your camera. Most internal meters will blink on the appropriate aperture for the shutter speed that you’ve set, or the speed you’ve set will blink if your F-stop is correct for the speed. Both the F-stop and shutter speed can be changed to expose the scene correctly. Consider that the faster the shutter speed the more light will be needed to expose the scene correctly. This makes logical sense if you think about it. If the shutter isn’t open as long, fast shutter speed, then there is less light able to make it to the film and so the scene must be brighter to expose correctly. To learn, bracket your shots. Take the first shot at the aperture suggested by your meter, move one stop up, take a photo, one down, take another photo. Flash, I personally like shooting with natural light whenever possible and at most I use a fill flash. But if you’re going to do portrait work then most of the time you may be indoors and you will need a flash sometimes. For the amateur the fill flash units that are on the top of most of today’s cameras are wonderful for basic work. You will have to read your manual on your particular flash unit to learn what it can and can’t do. This is where the camera that is fully manual and fully auto is great for the amateur. You can usually set it so that the camera will meter and set the flash output accordingly and then you still can control the shutter speed and aperture. This week’s assignment: Have several rolls of 400 speed film, find a subject that you can work with preferably something that won’t move, and shoot one roll of film. Shoot some of the roll in the morning, afternoon, and evening. Bracket every shot, take notes on time of day and light conditions, and what your settings (aperture) were for each frame, keep the film speed the same for the entire roll. Have the film developed and examine the photos. You should be able to see a difference in each frame. You’ll need to repeat this procedure until you feel that you understand the relationship between shutter speed and aperture, and every camera and meter has it’s own quirks and differences, you’re camera will act differently than someone else’s. This way you will learn you own particular camera as well. Once you have a sense of how aperture works you won’t need to bracket every shot you take, you may only need to do it in cases where you want to be extra safe on exposing the subject correctly. If you have some specific questions please visit my Photography Forum at: http://kellypaalphotography. com/v-web/bulletin/bb/index. php

Unusual baby shower party ideas for a lively celebration

Gone are the days of Aunt Tilly ooing and awing over cute little baby booties. New Mothers-to-be are spicing up the traditional showers to include more entertaining games and activities, including roping the dad-to-be into the fun! Baby showers were traditionally held for women only. These days, it is more acceptable (and common) to hold couples showers. Baby showers can be held at any time of day and can either be a surprise or involve the mom-to-be in the planning process. Activity Ideas Who said baby showers have to be boring? Here are a few ideas to liven up your celebration: *Is the mom-to-be known for any particular hobby or activity? How about an all-inclusive activity such as bowling or based on her interests such as a natural history museum. *Baby predictions theme. Will the baby be a boy or girl? A football star or Tasmanian Devil? Use a fortune telling theme complete with palm readings and crystal balls. *Pamper the mom-to-be. You can pamper her with a day at the spa complete with manicures, pedicures, and massages. It can take place at the spa itself, or create a pajama party for in-home pampering. *Create a time capsule to be opened in five years. Include some of her cherished pre-baby items and a questionnaire about what she thinks motherhood will be like. Make a video of the party to include in her time capsule. *Videotape funny parenting advice for the couple. Activity Ideas Think blue or pink if you know the baby's gender. If not, yellow or mint green can be used. Think rattles, ducks, pacifiers, baby footprints, storks, etc. Activity Ideas Light and easy to eat finger foods go over well. Try wraps, veggies, meat and cheese trays, and salads. Have a sensational celebration!

Christmas gift ideas

Consumers have many choices when it comes to purchasing gifts for their friends, co-workers, and loved ones at Christmas time. Depending on the age of the recipient, the range of gift categories can be massive. For example, if one is purchasing a gift for a young child, under the age of 6, the gift options can range from clothing to toys. If, on the other hand, one is purchasing a gift for an adult male or female the choices can range from tools to more personal items such as sexy lingerie, shoes, or couple games. Why do people purchase gifts for Christmas? Based on how we have been raised in our society, a great majority of Americans either buy the gifts because of their emotions or feel a sense of obligation to buy gifts for their friends and relatives at this special time of year. Ironically, we, as Americans, look forward to that special time of year when we can open our hearts and let someone we know that they are special and appreciated. Giving and receiving gifts at Christmas makes us feel as though we are an accepted part of our society.

It makes us feel good inside; giving us a sense of pride and accomplishment to be able to give to others. Let’s face it, almost everyone looks forward to December and Christmas. It fills us with hopes and dreams of things to come. The excitement can be felt in the air and the joy it brings is immeasurable. There is another reason we purchase gifts during the Christmas holiday season and it is economically based. Economically, it lowers unemployment because additional personnel are needed to handle the additional traffic through the retail outlets and sites. Additionally, it lowers inflation, creates a boom the stock market which in turn makes people wealthier, and raises consumer confidence. People’s shopping methods have changed over the years.

At one time, everyone made a trip out to the local department store or outlet and spent hours picking out each individual gift, price was not a factor. Now, consumers seek the highest quality goods and the lowest prices and many do much of their shopping on the internet. With all the options people now have when it comes to purchasing gifts, they are able to purchase what they want, when they want, and at a discounted price. This type of shopping only encourages us, as a society, to do what is traditional and that is purchasing gifts for our friends, co-workers, and loved ones at Christmas. CONTACT INFORMATION: Anna Maria De Santiago Lingerie of Hollywood http:// lingerie-of-hollywood. com

How to avoid the post holiday financial blues

Are you financially prepared for the Holiday Shopping Season? Will you be making your purchases with cash or credit? Do you have a planned amount of money you will be spending on gifts? If you owe $5,000 of more on your credit card or know someone who does, who only pays the minimum payment each month, you are not alone. The levels of consumer debt are increasing rapidly around the world. A Debt is Not Just for Christmas Christmas is the time of year when many consumers fall into the trap of spending too much money on expensive Christmas gifts. Most of these purchases are made on credit cards rather than using cash. This means these consumers often end up with large credit card debt in the New Year. The New Year is also the time when bills for other expenses, such as holidays, school fees and taxes come due. Credit cards are an expensive convenient source of money and many people don’t realize just how expensive they can be. Remember gifts purchased on your credit card that you will not be paying in full, will become a debt. This debt will be with you long after Christmas is gone. The most damaging part of this process is the interest you pay on your holiday purchases over time will be more than the cost of the gift. This interest payment you are making will also become someone else’s investment return. Tips to Avoid the Post-Holiday Credit Card Blues 1. Make a budget for Christmas spending - add 20% to the amount and stick to that number. 2. Write a list of everyone you plan to buy presents for and the amount of money you can afford to spend on each person’s gift. 3. Pay for presents using cash or lay-away rather than credit cards - if you have to use credit cards use only one. 4. Use a card with the lowest interest rate and credit only what you are able to pay off in one payment or within three months. 5. Give yourself time to shop - avoid last minute impulse buying of whatever you can get your hands on. 6. Write down everything you buy for the seasons, food, decorations, cards etc, and their cost - keep a running total. 7. Consider opening a Christmas Savings Account, so that you will be better prepared next year - for $10 per week, you will be over $500 ahead of the game next Christmas. 8. Gather all of your bills and obligations in one place and write down what you owe, to whom and at what interest rate - Now! Be complete and honest with yourself. Get a Jump Start on Holiday Planning for Next Year - Invest in Yourself! Make a present to yourself this Holiday Season by investing in yourself - eliminate your debts and start your wealth creation plan. 1. Take any "downtime" during the holidays to make a list of your financial goals for the next year, two years after that, then five years and longer. 2. Add up household expense budget for this year and add 5% to that amount. Start a monthly program to set aside 10% of the amount for the next 10 months starting in February of 2005. 3. Read a self-improvement book such as "The Automatic Millionaire" by David Bach. 4. For some people depression comes with the holidays - tame the depression with the knowledge that you can make 2006 a more fulfilling and enjoyable year financially. 5. Take time to assess how financially secured you are - review your insurance needs, emergency fund, wills and overall debt and wealth balance. Real Worth Remember your Real Worth is not only measured by the material gifts you give. This Holy Season is a profound and powerful timeto commit yourself to new beginnings, to startnew practices and to choose what you want yourfinancial life to be in the coming year. Very few people choose financial clarity as one of their new practices. Plan for your expression of love not only through gift giving to others, but also a gift to yourself for a secured Financial Future. Make a painless New Year’s resolution that will give you the "Holiday Feeling Financially" for many years. Copyright 2005 Joan Peterkin. All rights reserved.

Unique mother s day gift no more flowers and chocolate

With Mother’s Day approaching fast, it’s time to begin thinking about how best to express how much Mommy Dearest means to us. If you’re like most, Mother’s Day has become a routine that consists of a greeting card, a bouquet of flowers, and a phone call to say "I love you". And though mom surely loves the sentiment, perhaps 2005 should be a year when you put a bit more creativity into your gift idea. How about giving the gift of art? Several businesses across the country create one-of-a-kind, stylish, and sentimental works of art from customers’ photographs, often for a price less than what you’d pay for a mass-produced department store print. Here are just a few examples: What mom wouldn’t want pictures of her kids? Have a baby picture or a photo of siblings playing made into an oil painting; Have a picture of mom from when she was younger made into a stunning watercolor portrait; Have a pastel or charcoal sketch made form a photo of the family on vacation; Have an ink drawing made of mom’s house and garden; Feeling bold? Have a close-up shot of mom’s face made into an Andy Warhol style pop art. The process couldn’t be simpler. You place an order from the company’s website. Typically you can choose from various styles of artwork and even provide special instructions just as you would if you were buying expensive commissioned artwork. Then you send the company your photograph(s). You can upload or email a digital photo, or you can send printed photos by mail. Within a matter of days, a custom work of art will be created from your photograph. Some sites allow you to view a proof of your artwork online so you can request changes. Once you are satisfied, the artwork will be shipped to you. Prices and quality vary, so be sure to compare once you know what you would like. Some of the companies below (ezPortrait and myDaVinci) offer artwork that is created completely by hand (typically by using low-cost yet qualified artists who live in other countries), while the others utilize primarily digital technology. Although all of the companies below offer artwork done in an "oil painting" style, many offer far more variety. Check out the unique contemporary styles like "Modern Outline" and "Ghost" that Pictoart offers. Photowow offers a couple fun "Comic" options. These more abstract and whimsical styles provide an artistic alternative to the standard impressionistic oil painting and may look more at home in modern dйcors. Some customers like to play a role in selecting colors and composition for the final artwork. All of the services below will be happy to take into account any special requests, so you can be sure the finished work of art will complement mom’s sofa fabric. In addition, with the exception of Canvas on Demand, all the services provide a digital proofing process that allows customers to preview the artwork and request changes before the final artwork is shipped. Prices will depend on whether the art is created on paper or stretched canvas, which style is chosen, and how large the final work is. It seemed that all of the services reviewed use professional quality materials, including acid-free paper and archival-quality giclйe printing processes. Be sure you fully understand the guarantee and return policy before placing an order. Being able to view a digital proof before your order is shipped provides quite a bit of peace of mind that what Mom gets will be something she loves. However, it’s good to know that you can get a refund if you aren’t completely satisfied once the art arrives at your door. While both Canvas on Demand and Pictoart provide full 30-day money back guarantees (minus S&H), myDaVinci will only provide store credit. Photowow states that it will provide a full refund if you return your item within 10 days of receipt, but another page on their site also indicates that the "design" portion of their fee is not refundable. Both ezPortrait and Photosyrup had unclear or nonexistent policies regarding customer options for refunds once the proof is approved and the product is shipped. If you’re worried, be sure to ask before placing an order. Here is a summary of six popular services that create artwork from photos (listed in alphabetical order): Canvas on Demand canvasondemand. com Products: Framed and unframed stretched canvas; 8"x10" up to 24"x36" Styles of Artwork: Oil Painting Turnaround Time: 4-5 days to completion Online Proof: No Guarantee: 30 day 100% refund (minus S&H) Prices: $60 to $200; additional fees for adding brush stokes and retouching; $15-25 for S&H Baseline Price*: $193 + $25 S&H Comments: Limited product choices, straightforward ordering process (some order form and shopping cart errors encountered) Overall Rating**: 3 out of 5 ezPortrait ezportrait. com Products: Unframed stretched canvas and art paper; 12"x16" up to 24"x36" Styles of Artwork: Oil Painting & Pastel/Charcoal Turnaround Time: 12-14 days to proof completion Online Proof: A digital photo is emailed to customer for approval Guarantee: Refund if customer is not happy with online proof Prices: $200 to $400 for portraits with one person; additional fees for additional people; free standard shipping; $30 priority shipping Baseline Price: $400 + $30 S&H Comments: These works are done completely by hand, simple ordering process, specializes in portraits Overall Rating: 3 out of 5 myDaVinci mydavinci. com Products: Framed and unframed stretched canvas and artist paper; 8"x10" up to 36"x48" Styles of Artwork: Over 20 styles including: Oil Painting, Watercolor, Pencil, Pop, Caricatures, Etching Turnaround Time: 14-21 days (depending on style chosen) Online Proof: Yes, but may cost extra for some products Guarantee: 30 day 100% refund for store credit only Prices: $50 to $600 for portraits with one person; additional fees for additional people; free standard shipping on some products Baseline Price: $500 + $18 S&H Comments: Many works are done completely by hand, many styles to choose from, ordering process and prices vary by artwork style making it more difficult to determine price or compare options Overall Rating: 3 out of 5 Photosyrup photosyrup. com Products: Unframed stretched canvas and artist paper; 12"x12" up to 24"x36" Styles of Artwork: Pop, Oil Painting, Collage Turnaround Time: 5-10 days to proof completion Online Proof: A digital photo is emailed to customer for approval Guarantee: No policy provided Prices: $120 to $215 for portraits with one person; additional fees for additional people Baseline Price: $200 + $9 S&H (standard shipping) Comments: Must create account before placing an order, no clear refund policy, shipping fees not listed until order fully entered Overall Rating: 2 out of 5 Photowow photowow. com Products: Framed and unframed stretched canvas and artist paper; 11"x14" up to 48"x60"; additional products like mugs, pillows, shirts, etc. Styles of Artwork: Over 20 styles including: Pop, Collage, Oil Painting, Comic, Watercolor Turnaround Time: 7 days to proof completion Online Proof: A digital proof is viewable on their website for customer approval Guarantee: 10 day 100% refund; however, order cancellation fees may apply Prices: $140 to $550; additional fees for additional people for some styles; fees for design, print, and canvas stretching Baseline Price: $389 + $34 S&H Comments: Many styles to choose from, straightforward ordering process, fees for additional options cause prices to increase quickly Overall Rating: 4 out of 5 Pictoart pictoart. com Products: Framed and unframed stretched canvas and artist paper; 4"x6" up to 30"x60" Styles of Artwork: 14 styles including Pop, Oil, Watercolor, Etching, Cutout, Ghost, Sketch Turnaround Time: 3 days to proof completion Online Proof: A digital proof is viewable on their website for customer approval Guarantee: 30 day 100% refund (minus S&H) Prices: $50 to $370; no additional fees for multiple people or different styles; $8 to $40 for S&H Baseline Price: $369 + $39 S&H Comments: Many styles to choose from, straightforward ordering process; clear pricing for all products and shipping Overall Rating: 5 out of 5 This year, rather than sending mom a bouquet of flowers, how about sending her a beautiful painting of flowers from her garden! So round up a few great photos and give the gift of art. Not only will it make her wall look good, it’ll make you look good too. * For effective comparison, a baseline product was chosen that all six services offer: A 24"x36" unframed work of a single subject done in an "oil painting" style and created on stretched canvas. USPS Priority shipping (or equivalent) was chosen. ** Ratings are on a scale of 1 to 5 where 1 = poor, 3 = fair, 5 = excellent.

To quote or not to quote

"By necessity, by proclivity, and by delight, we all quote." Quotation and Originality 1876 Ralph Waldo Emerson (1803-1882) American poet and essayist Should we express our own thoughts in our own words? Or should we delight in repeating the sentiments of others? Disraeli, Johnson, Behan, Churchill, Wilde and Emerson all voice their opinions in quotes on quotes. Even the book of Proverbs stakes out a position. * "The wisdom of the wise, and the experience of ages, may be preserved by quotation." Benjamin Disraeli (1804-1881) British politician and statesman * "Classical quotation is the parole of literary men all over the world." Samuel Johnson (1709-1784) English author, critic * "A quotation in a speech, article or book is like a rifle in the hands of an infantryman. It speaks with authority." Brendan Francis Behan (1923-1964) Irish author and poet * "It is a good thing for an uneducated man to read books of quotations." Sir Winston Churchill (1874-1965) British statesman, soldier, and author * "Every quotation contributes something to the stability or enlargement of the language." Samuel Johnson (1709-1784) English author, critic * "Next to the originator of a good sentence is the first quoter of it." Ralph Waldo Emerson (1803-1882) American poet and essayist * "He is a benefactor of mankind who contracts the great rules of life into short sentences, that may be easily impressed on the memory, and so recur habitually to the mind." Samuel Johnson (1709-1784) English author, critic * "A man finds joy in giving an apt reply, and how good is a timely word." Proverbs 15:23 With all those persuasive pro-quote quotations, you might think the non-quote crowd would run up a white flag and admit their mistake. Not so fast. They've got their advocates too! * "Most people are other people. Their thoughts are someone else's opinions, their lives a mimicry, their passions a quotation." Oscar Wilde (1854-1900) Irish author and wit Not only Oscar Wilde, but Emerson too. Yes, the same Ralph Waldo Emerson who praised quotes, also said: "I hate quotations, tell me what you know." Still others find humor in quotes: * "I often quote myself; it adds spice to my conversation." George Bernard Shaw (1856-1950) Irish playwright and critic * "What's the use of a good quotation if you can't change it?" Doctor Who So, where do you take your stand? All in all, I side with the Disraeli - Johnson pro-quote gang. Quotes, at their best, are either delightful tidbits of fun or juicy little morsels of wisdom or inspiration. Sample these witty quotes from Will Rogers, Mark Twain, and Oscar Wilde and try not to smile. * "Diplomacy is the art of saying 'Nice doggie' until you can find a rock." Will Rogers * "He was a solemn, unsmiling, sanctimonious old iceberg who looked like he was waiting for a vacancy in the Trinity." Mark Twain * "As long as a woman can look ten years younger than her own daughter, she is perfectly satisfied." Oscar Wilde Would you like to discover the secrets of human nature? Antoninus, Bacon, Outlaw, Churchill, Colton, Publilius Syrus, and Barrie unlock the mystery with these insights and warnings: * "Our life is what our thoughts make it." Marcus Aurelius Antoninus (188-217) * "Chiefly the mold of a man's fortune is in his own hands." Frances Bacon (1561-1626) English philosopher, essayist, and statesman * "Watch your thoughts; they become words. Watch your words; they become actions. Watch your actions; they become habits. Watch your habits; they become character. Watch your character; it becomes your destiny." Frank Outlaw * "Success is going from failure to failure without the loss of enthusiasm." Sir Winston S. Churchill (1874-1965) British statesman, soldier, and author * "No company is preferable to bad. We are more apt to catch the vices of others than virtues, as disease is far more contagious than health." Charles Caleb Colton (1780-1832) Writer, author * "Speech is the mirror of the soul; as a man speaks, so is he." Maxim 1073 Publilius Syrus (first century) * "Life is a long lesson in humility." James M. Barrie (1860-1937) Scottish dramatist, novelist Wilson Mizner (1876-1933) once said: "Life's a tough proposition, and the first hundred years are the hardest." Point well taken, Mizner. So perhaps a few "words to live by" quotes will make our burden a little lighter and guide us along the path. We can count on Churchill, Lombardi, Hazlitt, Jesus, Johnson, Proverbs, and Lincoln for sound advice. * "Never, never, never, never give up." Sir Winston S. Churchill * "The quality of a person's life is in direct proportion to their commitment to excellence." Vince Lombardi (1913-1970) American football coach * "If you think you can win, you can win. Faith is necessary to victory." William Hazlitt (1778-1830) English essayist * "Do to others as you would have them do to you." Matthew 7:12 Jesus Christ (c.6B. C.- c. A.D.30) * "Whatever you have, spend less." Samuel Johnson (1709-1784) English author * "Let another praise you, and not your own mouth; someone else and not your own lips." Proverbs 27:2 * And Abraham Lincoln sums up our best of the best quotes with: "Whatever you are, be a good one." For fun, inspiration, or wisdom in a nutshell, it's hard to beat a good quote. Can your memorize one per day? Give it a try! Quotations just might become a lifelong love affair.

Marriage and the election

Dear Friends of Marriage, There is a lot of talk on both sides in this election that this is the most important election this century. Most of this is exaggeration to try and motivate people to vote for one candidate or the other. But in one area this is true. Depending on who wins this election, marriage as we know it may never be the same. In the last debate President Bush said he was for a marriage amendment because you cannot trust activist judges on the court. We have already begun to see this happen. On October 5 a Louisiana judge voided the constitutional amendment that was passed this past spring by the State Leislature and passed the public vote by 78%. After Novembers election over one third of the states will have a constitutional amendment or law defining marriage as being between one man and one woman. Senator Kerry when ask the same question about a marriage amendment sighted the number of states with laws or amendments as reason to not have a constitutional amendment. This argument sound great but now we see that the courts could over rule all these laws and amendments. While it is uncertain that we will get a constitutional amendment it is very important that we have the right judges appointed. Senator Kerry stated in the debate that he would only appoint judges who supported abortion. As we have all seen in the past pro abortion judges are almost always extremely liberal and are the types of judges that do not support marriage. If you support marriage as being between one man and one woman it is imperative that you vote in this election and encourage as many people who believe in families to also vote. It looks as if this is going to be a close election and voter turn out will most likely make a difference. Please do not let the homosexual community and their undying support for the Democrats steal this election and destroy family as we have know it for over 6000 years. Rusty Ford http://initiative-watch. com

Prepare your child for potty training

When your child shows most of the signs of potty training readiness, you can start introducing him to the idea. Potty Training Books, Videos, & DVDs - Potty training books, videos, and DVDs provide a great opportunity to introduce the potty to your child. Read a book as a bedtime story or watch a video together. Your child will surely have questions and be delighted when he finds a potty chair of his own! Potty Chair or Seat - As you begin introducing the potty to your child, be sure to put a potty chair in the bathroom. Children love to imitate other family members and your child will probably sit on it when he sees you use the bathroom. After watching a potty training video or reading a potty training story, your child will have a pretty good idea what the potty is for. Potty Training Doll - Dr. Phil recommends purchase an anatomically correct drink & wet doll for potty training. His method involves having your child teach the doll to use the potty, thereby learning himself! Training Pants - Potty training pants facilitate potty training by enabling your child to feel that he is wet. Diapers draw the moisture away from your child's skin so he can't always tell that he has just peed. Training pants allow your child to feel the wetness while protecting everything else from leaks. Potty Training Incentives - Rewards and incentives such as stickers, snacks, and certificates can be great potty training tools. They work especially well for children who understand the basics but need an incentive to stop what they are doing and sit on the potty. Copyright © 2004 ZIP Baby. All Rights Reserved. Danna Henderson ZIP Baby 101 Convention Center Drive, Ste 700 Las Vegas, NV 89109 http:// zipbaby. com

Don t be like forgetful freddy the absent minded gift buyer

Don’t be like Forgetful Freddy, The Absent Minded Gift Buyer I have two short stories to tell you. Last Christmas, Forgetful Freddy forgot to buy Christmas gifts for one of his sons, his aunt and his grandmother. Sitting around the Christmas Tree with his entire family on December 25th was a somber experience for Freddy. In 2004 Forgetful Freddy’s memory was also not working too well. He did not remember his daughter’s birthday and his own anniversary. He still feels embarrassed at family functions. We all want to take care of those that are near and dear to us. But as humans we sometimes miss the mall. The joy of gift giving allows us to show our gratitude for those in our lives we care about and love. I know what it feels like to not receive a gift when I was expecting something from a special person in my life. I am pretty sure it feels the same way for others. Yech. So why leave it to chance? Remind yourself. Freddy like I needed help. We both did not want to forget a loved one around the holidays or on a special occasion. We found what we were both looking for. I know that a Gift Reminder Service may not be the most crucial thing to take care of. But as my Grandfather told me a long time ago. Vich dell technich vich dell techni To this day, I still do not know what he was talking about. Happy Holidays

Credit card debt consolidation help

Credit card debt consolidation is an option for those that find themselves with many monthly credit card payments to keep track of and payments that tie up a large portion of their available cash flow. Credit card debt help can be found through a variety of programs offered in locations throughout the US. These credit card debt help companies offer credit card debt consolidation loans, credit counseling, and debt negotiation services. The debtor can feel safe in knowing that credit card debt help is available, and resources are attainable. Credit card debt consolidation loans are typically granted to homeowners in the form of a home equity loan. These types of credit card debt consolidation loans have a lower interest rate which in turn offers a lower monthly payment than other types of loans. Credit card debt help companies recommend a homeowner first look to a home equity loan before applying for other types of credit card debt consolidation loans.

When debtors have only one monthly payment to make on a loan, they can pay the debt off much faster than trying to juggle multiple payments from multiple lenders. Credit card debt consolidation loans can be made through traditional lenders such as banks and credit unions, or they can be made directly through credit card debt help organizations. These credit card debt help organizations have limited funding, are usually non-profit, and supply their funds on a first come first serve basis. Swift action should be taken when applying for a credit card debt consolidation loan through a credit card debt help organization once the decision has been made. All credit card debt consolidation loans require some form of credit card and debt counseling. Applying the methods learned in these counseling sessions will ensure that the borrower does not get into credit card debt easily again. Interest rates for credit card debt consolidation loans through traditional lenders are based on the borrower's credit score.

This credit score, if high, can allow a borrower to get a credit card debt consolidation loan at a lower interest rate. If the credit score is low, credit card debt help companies recommend raising the credit score before making application through a lender. Unfortunately, the most effective way to raise a credit score is by paying down credit card debt. This is obviously not an option for those seeking a credit card debt consolidation loan. Credit card debt help organizations will be able to offer alternative methods for raising an individual's credit score.

Breeeding oscar fish

The Oscars, or Astronotus ocellatus, from Cichlidae family, are fairly easy fish to breed. All you need is pretty much leaving them alone and letting them do their thing if you lucky enough to get a pair. If not, breeding might be very hard. They are a very long-lived fish, probably one of the reasons they are so popular today. Originally from Amazon. Oscar Fish obviously requires a large tank due to their large size. They prefer clean and clear water with a deep sand bottom, and a few large rocks. If you keep plants with you Oscars they will be dug up however there are some people that believe that Oscars like to have plants that they can dig up in the aquarium and this might be true since many large cichlid like to have toys when kept in aquariums not to get bored.

And since Oscars are large and very smart cichlids, you can actually teach them tricks, they might want something to do like digging up plant. Be careful, they are enthusiastic eaters and they love to eat smaller fish. Thus, only keep them with other fish that are of the same size. Temperature is important, and should be kept stable somewhere in 79-86°F range. Feeding Oscars is not a problem since they will take every food you give, including flake frozen fish, prawns, pellets, earth worms, crickets, kitchen scrapes…

and of course live food. The most trying task to do is finding a mating pair. If your Oscar is adult in size, it becomes a really trial-and-error process. However once they form pairs they will stay together for the rest of their life.

Probably the most common and effective method of finding pair of Oscars is to buy 6 or 8 young specimens (about 1 inch in length), and allowing them to grow up together. A mating pair can be identified from their mating play, which is a seemingly aggressive behavior towards each other; lip-locking, tail-slapping…. If one of the fish is overly aggressive, and it is a one-sided aggression and you should separate them or risk loosing one of them. During their spawning process, they will use their mouths to clean a flat rock, and the female will lay her eggs there. Not all the eggs are laid at once; the female will take breathers, at which time the male moves in and fertilizes the eggs. A female usually lays 1,000-2,000 eggs.

The eggs are opaque at first, turning transparent in 24 hours. After the eggs are laid, both parents watch over the eggs, wafting the eggs with their fin and guarding them against predators. Occasionally they take the eggs in their mouth, which keeps them clean and turns up bad eggs, which are then destroyed. If a constant tank temperature is maintained, the eggs should hatch in about 36 hours. At first, the fry cannot swim, but they squirm "en masse" on the rock, living off the egg sac, for about 4 days. The parents constantly attend to their young at this time. Feeding these fry is easier than other breeds, because of the baby Oscar's relatively large size. A good and simple plan is to crush regular processed flake food in your fingers, and just drop it in. Turn off filtration during fry feeding time to make it easier for them to find their bits of food. How the parents act towards their fry depends entirely on each fish personality.

Some have numerous spawn and never bother their fry; others easily eat their young. To be on the safe side, you can separate the fry from their parents. However I do not recommend this until the parents have had a few unsuccessful spawnings. The fry will reach 1.5 to 2 inches after 12 weeks at which time they can be sold.

Ideas for decorating your new baby nursery

When decorating for a new nursery, there are many ideas that can be used. Whether the new baby is a first-born, adopted, or one of many others, all children will take pleasure in a nursery room with a theme. Usually many parents spend hours trying to decide on the new theme for the baby's nursery. They would like to be as original as possible in order to help stimulate their little boy or girl's mind. Common baby nursery plans are cartoon characters, sports themes, and animals.

Cartoon Characters As A Nursery Decorating Idea Any nursery decorator would tell you the best way to plan your decorating is to purchase the bedding in the theme you are looking for. So for a parent wanting to decorate using nursery ideas with cartoon characters, choosing a nice baby blanket, sheet set, or quilt in a cartoon character theme would decrease the time needed to decorate baby bedrooms. A Sports Theme As A Nursery Decorating Idea Some parents choose to decorate their little boy's or girl's room with a sports theme. The sports theme for baby nursery plans can be anything such as gymnastics, baseball, basketball, or hockey. This would include finding the necessary baby bedding to focus your decorating around, and then using other accessories such as wallpaper borders, and decorative lampshades or throw rugs to complete your baby nursery plans. An Animal Theme As A As A Nursery Decorating Idea Other baby nursery plans include animals. Many children love animals, especially baby animals. There are lovely bed linens, rugs, and wallpaper that can be purchased in a zoo theme or based on any animal that you can imagine, or that your child might be interested in seeing. Based on these ideas, your child is sure to love any of these baby nursery plans, or any other idea that you can creatively come up with. Take the time to plan it out as your baby will be spending alot of time there especially when they are young. Help them associate this room with positive experiences.

Fundraiser gifts

Fundraiser Gifts Fundraisers are a part of life and way for groups and companies to give back to the community. You can give back, too, by doing your part and helping with fundraising events, donating your time, energy, gifts and / or funds to the fundraisers to help raise awareness of the groups’ activities and support. Donating funds to charity is a chance to put your money where your mouth is. Actions speak louder than words and investing in the work of charities can guarantee progress is made advancing nonprofit causes in which you believe. Involve your children in the process, where applicable. Tell them about different causes, include them in charitable events and ask them to consider sharing a portion of their allowance to help causes they can understand. This will lead to a lifetime of caring, giving and happiness. It will be good if you and the charity you consider to donate gifts consider methods of donating like bequests, charitable gift annuities, gifts-in-kind, endowments and many others. You can ask your tax advisor or attorney to help you make the best plan for you, your family and for the charities you support. There are different ways in which you can donate gifts to fundraisers. Some people: - donate cars, money, real estate, etc. - purchase and donate items in bulk like from Ebay auctions. - Purchase & donate gift baskets to be used as door prizes, even a baby gift basket can help the smallest recipient! Do not wait to be asked to give a donation, be proactive. Take control of your generosity by researching causes, finding stable and effective charities, and by investing in making the world better now and for future generations. Donating gifts to fundraisers is a nice way to make world better for tomorrow. Be a part of the future.

Consignment shopping pays off

Is your closet full of clothes you never wear? You can bet there are a lot of people who have a closet or dressers full of clothes they never wear. I did too, until I started consignment shopping. A clothing consignment store sells your clothes for you and gives you 30 to 50 percent of the selling price. Pretty good deal, when no one is wearing the clothes that are just collecting dust in your closet. The first thing I did was go through my closet and dressers and took out all of the clothes I never wore. (This was a hard thing to do considering I had no money and was terrified of not having any clothes to wear.

) I took a couple of grocery bags full of clothes to a local consignment store and within a month or two had at least $50 is my hands. I couldn't believe it! Now that I actually had the money in my hands, I didn't feel as badly about giving up my clothes. I spent some of the money on new clothes at the consignment store (for about 1/3 or less of regular retail prices), and went home to find out if I really had gone through all my clothes. As the seasons changed and I brought out other clothes that were stored away, I found other clothes I had I wouldn't ever wear. I still had some clothes I had worn in high school! I always sold my daughter's outgrown clothes.

The money I received for her clothes I usually spent on new (consigned) clothes for her. I also took in her outgrown toys and baby accessories. Some of the money I received I spent on her, and I spent a little on clothes for myself (my wardrobe was starting to fill up with clothes I actually wear!), and the rest was just extra cash! What a deal! None of my hard-earned money (I was a single mother at the time) was going for new clothes anymore! My daughter and I had all the clothes we needed and I had extra cash besides! Of course I had other problems to deal with in my life, but trying to find the money for clothes suddenly dropped off the list! I have found that many people won't ever bother with consigning clothes. Either they aren't willing to part with their clothes for any number of reasons, or they just don't want to take the time to take them to the consignment store.

Many people will give their clothes away to other people or Goodwill before they will make the effort required resell them. I have personally never understood that way of thinking, but you can benefit from those people. When friends and family saw that I was "trading" in used clothes for new clothes, they started giving me clothes to take in! A few, like my mother, started to take her own clothes in, but I found for the most part people would rather give their clothes to me, even when they didn't have extra money to buy new clothes. So I started taking in other people's clothes and profiting from their decisions to clean out their closets. Then I started shopping at garage sales. Many people practically give unwanted clothes away.

You can find very good deals at garage sales, especially if you go right before they close up for the day. You can buy clothes there, either for yourself or your children, or you can buy them solely for the purpose of re-selling them. I only recommend doing this, however, after you have been taking your own clothes in for awhile and find out what types of clothes the consignment store will accept. The consignment store reserves the right to not accept clothing that do not meet their standards. The store I shop at will donate unwanted clothes to charity for you, if you wish, if they will not accept any of your clothing. You also have the option to take the unwanted clothing back. It has been my experience that they will take most clothes that are freshly washed, folded or hung neatly.

They will not accept clothing with unraveling seams or holes. They also will not accept any clothes with any obvious stains. Occasionally they will not accept outdated clothing. But in the 10 years that I have been shopping at consignment stores, the only items they didn't accept were a coat that was at least 20 years old and the color wasn't in style, and clothes that were out of season (you can't sell a winter jacket during the summer). Usually most of the clothes you take in will sell easily, depending on the size and location of the store. Most stores keep clothes on the rack for 3 months. If the clothes haven't sold in that length of time you can either take them back or they will donate them to charity.

Even though I'm married now, we still have a tight budget and can't afford to spend much on clothes. Even if I had the money I still don't think I would spend a lot of money on new clothes, after everything I have learned. It's just not worth it. You can do this just for the money, some people I know never buy at consignment stores, but they do sell things there occasionally, you can do it just for the clothes, which I did for a long time just out of sheer necessity and it didn't occur to me to try to make a profit, or you can enjoy the benefits of buying low-priced quality clothing and also make a small profit besides! Whatever you choose to do, the experience is well worth the effort. In these times of recycling and trying to conserve the Earth's resources, it only makes sense to "trade" clothing with other people instead of buying new clothing. Almost everyone has clothes they don't wear, for whatever reason, that other people would be thrilled to wear.

How to get the best child life insurance quotes

Getting child life insurance quotes on the net can be convenient, but are you sure that you are seeing the big picture? You can see life insurance information child policies, but the words can be cryptic. The child life insurance coverage information could be well-hidden online too! Because child life insurance costs money, it's important to know precisely what life insurance coverage you can get. It may be best to talk to an authorized life insurance agent. Question You Should Ask About Your Child Life Insurance Is child life insurance really worth the premiums? Many question the importance of child life insurance. After all, if anyone needs to get insured, shouldn't it be the working parents? While this is indeed a valid argument, there are advantages to getting child life insurance. It's not so much the benefits as it is about future eligibility. Child life insurance is especially important if your family has a history of medical illness. You see, if you get child life insurance, your child can automatically get any type of life insurance later on. Most types of child life insurance are actually term life insurance. Child life insurance often does not build cash value and has small premiums. In order to be competitive, some life insurance agencies are providing child life insurance some features similar to whole life insurance. However, child life insurance ends when your child matures, so the cash value benefits are very minimal. As a general rule, parents should first get themselves insurance, before their children. Because the main purpose of child life insurance is future eligibility, parents will do well to just get the cheapest child life insurance package. Beyond everything else, they must make sure that the child life insurance will allow their children to have immediate access to life insurance later on.

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