Collecting Art Via Art Auctions

Have you ever admired a great piece of art and wanted to add it to your collection?

The art auction is the very place you need to look. An art auction is a place of gathering to sell art work. To begin the process of bidding on a piece of art, you browse the catalogs that are available to find what you like. Your next step is to register with their bidding department, using your photo ID, (as well as your financial information). There will typically be a viewing of all items a few days before the actual auction, giving you the chance to browse through the collection.

With an auction there are usually several ways for you to bid: You can choose to bid in person, with a paddle and the excitement of it all. You can choose to bid online in the comfort of your home and the showroom right at your fingertips. You can choose to bid over the phone with a salesperson giving you the information of the current art piece and the bid. If for some reason you are unable to bid, within 24 hours before the auction, you can submit your maximum bid online, complete the form in the catalog, or fax in your maximum bid, viewing the results either online or contacting their Customer Service Department .

Another form of an auction is called an internet art auction. An internet art auction can be a little more personal for you. You have … Read More

Security Surveillance Camera Outside Home Means Less Crime

Many suburban homes have installed a security surveillance camera to protect their dwellings from property damage or potential home invasion. It is proven that a property chances of being a victim of crime is drastically reduced, when the potential criminal knows the property is under surveillance. Some studies show homes in certain neighborhoods are up to 75{a35e9624d39d09a786c5f8acdb55c526966431d9c107db63c11fc3d9ba4fafc9} less chance to be violated by criminals when a camera is displayed outside.

Security systems have gone up in quality and dropped in price over the last decade. This has been due to computer systems popping up in homes, DVR technology and military knowledge being integrated into cameras and being mass produced. 15 years ago, a night vision device could run $2000 to $6000. Now, you can pick up a four day color night vision / infrared system, with four cameras and 500 GB hard drive Nuvcio EVL-4500 DVR costing $450 to $700.

There are many high tech individual cameras you can pick up for under $100. The Sony 1/3″ CCD Infrared LED Security Camera can be purchased for $89. An indoor/outdoor Bullet Security Camera Night Vision Model # SUN-LIR30HF comes with night vision capability for up to 80 feet. It also has a built in microphone that allows for audio surveillance. The price for the SUN-LIR30Hf is $64.95. You can get dome cameras, motion cameras, hidden ones, cameras that tilt, zoom and pan an area. You can even get cameras that are vandal proof. It depends on your needs, affordability, time available … Read More

How a Home Builders Loan Differs From a Regular Mortgage

When you decide to work with home builders on building a new house, you’ll probably start to look for ways to finance the project. Loans for newly built houses are slightly different from regular mortgages, so you should make sure that you’re aware of how the new construction loan process works.

Step 1: Create Your Plan

Before you talk to a mortgage broker, you should develop a vision for your new house. Decide on its size, scale, and location. Also, consider factors that might make the project more complex. For example, if you decide that you want solar panels or geothermal energy, then your project may require special sources of financing before it the home builders can get underway.

Step 2: Research Your Lending Options

Although new construction has increased significantly as available house inventory has sold down, many lenders got away from new construction during the economic recession. Some of these lenders left their clients without financing in the middle of the building project. Do some research to make sure that your lender has a good reputation.

In addition to ensuring that your lender is in good financial shape, you’ll also want to look for the best available interest rates when you’re shopping for a loan. To save time, a mortgage broker can research multiple lenders for you to find the best option.

Step 3: Conduct a Builder Review

Once you’ve selected an appropriate lender, your lender usually starts researching your chosen construction company by performing a credit check. … Read More