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	<title>MoneyBlogNewz &#124; Financial Education &#38; Gossip &#187; James Hillman</title>
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	<link>http://personalmoneystore.com/moneyblog</link>
	<description>Hot Topic News &#38; Financial Education Articles</description>
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		<title>5 tips for Buying Spokane Land</title>
		<link>http://personalmoneystore.com/moneyblog/2009/12/30/5-tips-buying-spokane-land/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/12/30/5-tips-buying-spokane-land/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 19:11:13 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[buying land]]></category>
		<category><![CDATA[buying property]]></category>
		<category><![CDATA[land buying tips]]></category>
		<category><![CDATA[spokane]]></category>
		<category><![CDATA[spokane land]]></category>
		<category><![CDATA[washington]]></category>

		<guid isPermaLink="false">http://personalmoneystore.com/moneyblog/?p=59366</guid>
		<description><![CDATA[Buying Property: Land Buying Tips Buying your own piece of land to build your family home on is a dream for many. When considering the purchase of Spokane land, there are many factors to take into account. Here are the top 5 things you should consider: 1. Location The old adage of real estate is [...]]]></description>
			<content:encoded><![CDATA[<h2>Buying Property: Land Buying Tips</h2>
<p><img class="alignright" title="5 tips for Buying Spokane Land" src="http://lh3.ggpht.com/_irkkBd_n-do/SzuhektJHUI/AAAAAAAAAII/u0EAixXxCrU/s400/4847867-360x541.jpg" alt="" width="326" height="266" />Buying your own piece of land to build your family home on is a dream for many. When considering the <strong>purchase of <a title="Buy Spokane Land" href="http://www.riverbluffranch.com/" rel="external nofollow">Spokane land</a></strong><a title="Buy Spokane Land" href="http://www.riverbluffranch.com/" rel="external nofollow">,</a> there are many factors to take into account. Here are the top 5 things you should consider:</p>
<ol> <strong>1. Location</strong></p>
<p>The old adage of real estate is location, location, location. Picking a property in the right spot is the key to realizing the goals of your investment. Whether you are looking to start a family homestead or trying to create some income property, getting a great location will affect your future property values dramatically. Consider your proximity to the 5 places you’ll visit most- such as work, school, shopping, family/friends, and the airport. If you can strike a balance between convenience for you and your visitors while still having a remote setting, you’ve got a great asset. Fortunately, there are hundreds of <a title="Spokane property options" href="http://www.riverbluffranch.com/" rel="external nofollow">Spokane property</a> options that offer country charm close to the city.</p>
<p><strong>2. Setting</strong></p>
<p>Do you dream of living in the country? There are many options outside of the city, anywhere from flat farm land to waterfront property.  Some will enjoy the comfort and security of living in a gated community, where others want total separation from others. It is important to identify what is most important to you and weigh that against other factors. While the land itself may have the many treed acres you would love, views are just as important to consider. Not only will a great view give you great enjoyment throughout the seasons, it will actually also enhance your property values.</p>
<p><strong>3. Rights</strong></p>
<p>It is critical to understand both zoning laws as well as community bylaws that may affect the area in which you live. In Spokane, WA, you should check with the Planning Services Department for specifics on land use permits, or if you are looking for property in Spokane County, check with the Department of Building and Planning. You may be surprised at the complexity of the limitations of specific zoning regulations which can dramatically affect how you can use the land. One typically contentious issue is the availability of housing large animals in certain residential zones (as such, horse property fetches a premium price). It is a good idea to check about each of your building plans (including outbuildings) before you make any purchase, so you don’t run into red tape with the County and find out you can’t get the necessary permit for your dream home due to some technical issue with your zone. If living in a community, make sure that you study the bylaws thoroughly before agreeing to any purchase to ensure that you can stay in compliance without conflict. It is wise to retain the services of an experienced real estate attorney, especially if this is your first time purchasing land in Spokane.</p>
<p><strong>4. Future Development</strong></p>
<p>While it impossible to know the future, make sure to give thought to any future development that may affect the value and enjoyment of your land. Perhaps a new freeway or wind farm might be planned in the near future right around your property. Maybe some new environmental legislation that is pending may limit your ability to do construction in wetlands. If you are finding that the property you are considering is a great bargain, there is probably a good reason why the price is below market. Do your homework and find out why before you get stuck with a lemon of a lot.</p>
<p><strong>5. Seasonal Considerations</strong></p>
<p>Thousands of people that have chosen to move to Spokane love the balance of the strong economy with an easy pace of life, and most that move here fall in love with the four seasons climate. When looking for Spokane land, be mindful of how you are going to travel in the winter, and decide if you’ll need to purchase different vehicles to do so. If your land is on a slope, consider any improvements you may need to make to ensure that erosion doesn’t limit your ability to travel safely. Also consider hot weather in the summer months. Strategically building your home among trees can really reduce your energy bills in the summer. Just don’t forget to be vigilant about maintaining those trees in the fall and winter. A Spokane home was damaged by a falling tree in a wind storm that could have been easily prevented with a preemptive tree removal.</ol>
<h3>Seek Experts When Buying Property</h3>
<p>Truly, there are dozens of other factors to consider in such a major purchase. The best thing you can do is work with an experience real estate agent who really understands the <strong>Spokane real estate market</strong>, and has a history of completing successful rural property transactions. It will take patience and diligence to make your land purchase a success, but it can pay dividends for generations to come.</p>
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		<title>Need Window Tinting in Spokane? Go with Quality Auto Trim</title>
		<link>http://personalmoneystore.com/moneyblog/2009/12/21/window-tinting-spokane-quality-auto-trim/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/12/21/window-tinting-spokane-quality-auto-trim/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 20:59:11 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[spokane]]></category>
		<category><![CDATA[tinting]]></category>
		<category><![CDATA[Window]]></category>

		<guid isPermaLink="false">http://personalmoneystore.com/moneyblog/?p=58485</guid>
		<description><![CDATA[Window Tinting can save you money Window Tinting has been around for many years, but is now becoming more popular than ever. People choose to tint their homes, businesses and autos for many reasons: privacy, energy efficiency, protection against UV rays, security, aesthetics and more. With the passage of the Energy Policy Act of 2005, [...]]]></description>
			<content:encoded><![CDATA[<h2>Window Tinting can save you money</h2>
<div class="wp-caption alignright" style="width: 310px"><img title="Spokane Window Tinting" src="http://www.qualityautotrim.com/wp-content/uploads/2009/09/tint.jpg" alt="Some people get window tinting just for looks, but there are plenty of other good reasons. Photo from Quality Auto Trim." width="300" height="363" /><p class="wp-caption-text">Some people get window tinting just for looks, but there are plenty of other good reasons. Photo from Quality Auto Trim.</p></div>
<p>Window Tinting has been around for many years, but is now becoming more popular than ever. People choose to tint their homes, businesses and autos for many reasons: privacy, energy efficiency, protection against UV rays, security, aesthetics and more. With the passage of the Energy Policy Act of 2005, homeowners have a great financial incentive to tint their home&#8217;s windows. The legislation provides a tax credit for qualifying home window tinting projects for 30 percent of the cost of a window tint up to $1,500. This is an excellent incentive because as a tax credit rather than a deduction it comes directly off of your total tax owed. Not only is there a tax savings, but window tinting can also save up to 79 percent of heat gain from sunny weather, so it helps reduce energy costs dramatically.</p>
<h3>Many reasons to tint your vehicle</h3>
<p>Many people love getting their car windows tinted to improve their car’s appearance, but they also get the benefit of less UV rays invading their vehicle’s interior. UV light can fade upholstery and damage items in the car, as well as increase heat in the vehicle.</p>
<p>Tinting is also a safety feature: in the event of a car accident, window tinting can prevent glass from shattering and harming the vehicle’s passengers. The maximum darkness provided by high quality tints also helps to prevent theft from vehicles, as potential burglars cannot see valuables lying on the seat of a car. Window Tinting in Spokane is a great idea to due high car prowl rates. The State of Washington allows for up to 35 percent tint to be applied to side and rear auto windows.</p>
<h3>Business benefits for window tinting</h3>
<p>Businesses should also consider getting their windows tinted. A great tint job can look very attractive without incurring the expense of etched glass, and can be easily customized for many designs. For businesses that must maintain high security standards, window tinting is a smart choice. With the proper 3M security film, windows become virtually impervious to damage from blunt objects, bomb blasts, and severe weather. It is surprisingly affordable compared to other security measures, yet doesn’t compromise the look of a storefront like metal bars may.</p>
<h3>How to get the best window tint</h3>
<p>There are two simple keys to a successful window tinting project:</p>
<ol>
<li> Use only quality window tint films</li>
<li>Hire an experienced installer to properly apply the product</li>
</ol>
<p>When amateurs attempt to install window films, they often do a poor job of cleaning the surface before they attempt to apply the film which dramatically reduces the effectiveness and longevity of the product. Furthermore, without the proper tools, window tint film may be applied sloppily. When the film is not cut to precise dimensions, bubbling, uneven lines, and wrinkling in the film may occur, all which hurt both the appearance and performance of the film.</p>
<h3>Spokane Window Tinting Experts</h3>
<p>For <a title="Spokane Window Tinting" href="http://maps.google.com/places/us/millwood/e-appleway-blvd/8710/-quality-auto-trim">Spokane Window Tinting</a>, the best place to go is Quality Auto Trim. The company has been working in the region for more than 25 years and offers only top quality window films from 3M. There is a wide variety of different types of film, ranging from very affordable to the latest in nanotechnology. Their customer service is known all throughout the Inland Northwest. Their years of experience in home, auto and commercial window tinting will ensure that your project is a success!</p>
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		<title>A Journey in Victorian Décor</title>
		<link>http://personalmoneystore.com/moneyblog/2009/11/23/journey-victorian-dcor/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/11/23/journey-victorian-dcor/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 22:20:22 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Lifestyles/Leisure]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[buying decorations online]]></category>
		<category><![CDATA[home decor]]></category>
		<category><![CDATA[victorian decor]]></category>

		<guid isPermaLink="false">http://personalmoneystore.com/moneyblog/?p=55959</guid>
		<description><![CDATA[It&#8217;s what&#8217;s inside that counts Victorian architecture is known for its multiple roof lines, dramatic towers, and stately entrances. Those who are lucky enough to own an authentic turn-of-the-century Victorian know their homes can have a lot of curb appeal. However, just as in the literary tradition of the great romance novels of the time, [...]]]></description>
			<content:encoded><![CDATA[<h2>It&#8217;s what&#8217;s inside that counts</h2>
<div class="wp-caption alignright" style="width: 310px"><a href="http://www.victorianconnection.com/victoriandecor.htm" rel="external nofollow"><img title="A Journey in Victorian Décor " src="http://www.victorianconnection.com/images/Victorianlogo4.jpg" alt="Image from VictorianConnection.com" width="300" height="195" /></a><p class="wp-caption-text">Image from VictorianConnection.com</p></div>
<p>Victorian architecture is known for its multiple roof lines, dramatic towers, and stately entrances. Those who are lucky enough to own an authentic turn-of-the-century Victorian know their homes can have a lot of curb appeal. However, just as in the literary tradition of the great romance novels of the time, it is the subtle, romantic  nuances in the interior that truly matter.</p>
<h3>Make a grand entrance</h3>
<p>When standing at the entrance of a gilded Victorian home, you may be greeted by an exquisite door knocker, a hand-wrought device that makes the electric door bell seem tacky. You see, achieving authentic <a title="Victorian Decor" href="http://www.victorianconnection.com/victoriandecor.htm" rel="external nofollow"><strong>Victorian Décor </strong></a>is all about the accessories.</p>
<p>There is a wide range of eras and influences from which Victorian decorating comes from, including classical, gothic, oriental and Italian styles, yet it has a character all its own. Maroon, plum, green, brass and gold were all very popular and can be found in modern interpretations of Victorian accessories including wallpapers, furniture and more. Finer details include clever key holders, antique mail slots and leafy rosettes.</p>
<h3>Get into it</h3>
<p>The interior of a Victorian home is well composed, yet exuberant. From ornate crown moldings to stately grandfather clocks, everything is about elegance and order. The front room may feature a large oriental rug. There are a wide variety of different styles, but the most popular are those that feature floral designs.</p>
<p>Truly, floral patterns were a love affair for the designers of the day, because it is the most common element in Victorian décor. Warm lighting also creates the atmosphere with elegant sconces and stately chandeliers.  It really is amazing how updating (or in this case backdating?) the lighting can change the whole character of a room.</p>
<h3>Feast your eyes on this</h3>
<p>In the dining room, Victorian décor is so delicious. You may find colorful wallpaper with an abstract or floral pattern and accented with cherub curtain rods. The table is set with fine silver. The linens are embroidered with tiny flowers.</p>
<p>The incredible Victorian napkin rings are complimented by distinctive knife rests &#8212; an accessory that always draws comments from guests. Atop the gilded platter is an herbed roast pheasant, piping hot. Perhaps families would eat together more often if they could do so in such elegance.</p>
<h3>The great outdoors</h3>
<p>In the back yard, you’ll find hand-wrought baskets brimming with fresh vegetables and herbs from the garden and lovely arbors overgrown with vines. Lawns were common, as was cast iron fencing for its ornamental nature.</p>
<p>A Victorian yard would be incomplete without a birdbath, but also common were ponds, grazing balls, sundials, and lots of large flower pots. Period sculpture was a sign of wealth. In the very least, a bench underneath the shade of a willow tree was a hallmark of the peaceful vibrancy found in Victorian yards.</p>
<h3>Modern way to achieve classic style</h3>
<p>Creating a modern home using Victorian décor is an exciting journey of anachronism. The irony of recreating a bygone era is that the 21st century tools available on the internet make it all possible. Shopping online for Victorian décor is easier than ever. Without remodeling your entire home, a few <a title="Victorian Connection" href="http://www.victorianconnection.com/victoriandecor.htm" rel="external nofollow"><strong>Victorian accessories</strong></a> can dramatically change the atmosphere of your living space. Thank you dear reader, I hope you enjoyed out brief journey and do call sometime soon.</p>
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		<title>Rustic Décor for your Log Cabin</title>
		<link>http://personalmoneystore.com/moneyblog/2009/11/21/rustic-dcor-log-cabin/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/11/21/rustic-dcor-log-cabin/#comments</comments>
		<pubDate>Sat, 21 Nov 2009 23:47:22 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[buying decor online]]></category>
		<category><![CDATA[log cabins]]></category>
		<category><![CDATA[rustic decor]]></category>

		<guid isPermaLink="false">http://personalmoneystore.com/moneyblog/?p=55924</guid>
		<description><![CDATA[The great indoors Interior spaces should appeal to your family and guests. It’s unpleasant to spend time in a home that presents a cold atmosphere. When beginning a decorating project it’s important to think your plan through. For example, if you own a log cabin, you need proper rustic décor. There are simple and efficient [...]]]></description>
			<content:encoded><![CDATA[<h2>The great indoors</h2>
<div class="wp-caption alignright" style="width: 310px"><a href="http://www.rusticconnection.com/products.htm" rel="external nofollow"><img title="Rustic Décor for your Log Cabin" src="http://www.rusticconnection.com/images/rusticlogo.jpg" alt="Image from RusticConnection.com" width="300" height="181" /></a><p class="wp-caption-text">Image from RusticConnection.com</p></div>
<p>Interior spaces should appeal to your family and guests. It’s unpleasant to spend time in a home that presents a cold atmosphere. When beginning a decorating project it’s important to think your plan through.</p>
<p>For example, if you own a log cabin, you need proper <a title="Rustic decor" href="http://www.rusticconnection.com/products.htm" rel="external nofollow"><strong>rustic décor</strong></a>. There are simple and efficient ways to make your cabin warm and inviting. On the same note, if you’re enhancing a home, you’ll want the interior decorating to make it memorable to your guests. When your home or lodge is embellished well, you’ll be giving your guests the gift of cozy memories each time they visit.</p>
<h3>A warm atmosphere</h3>
<p>Typical <a title="Rustic Connection" href="http://www.rusticconnection.com/products.htm" rel="external nofollow"><strong>lodge décor</strong></a> offers a bucolic atmosphere. One of the easiest and most effective tricks is sometimes overlooked. Rustic heat registers make all the difference in the world when promoting warm ambiance.</p>
<p>Just look around a lodge or log cabin that has off-colored and unattractive vents. It takes away from what would otherwise be an accomplished decorating project. Rustic heating vents are easy to install. This is a positive step towards your overall decorating goals.</p>
<h3>Light up a room</h3>
<p>Rustic lighting can also help. This is an area that is also often neglected. Take advantage of the many unique styles; each will add magic to any room. Everything from chandeliers to post mount lights are available.</p>
<p>A mix of ranch island lights and a showy illuminated piece will make a statement. An amber mica desk lamp could bring charm to any den or study. Other options include pinecone, fish, bear, and twig designs for lighting of rustic décor. Square lanterns make for a truly rustic take on sconce lighting. The idea is to bring the outdoors to the inside of your log cabin or lodge. Create an environment that feels adventurous!</p>
<h3>Get down to it</h3>
<p>Another method for decorating success is to choose the right rugs. They are an important helper to bring warmth to your rooms. Rustic rugs come in sizes that accommodate any area.</p>
<p>Rugs are a main attraction that liven up any log cabin or lodge. Included among the many appropriate rustic designs are Navajo and Western rugs. There is also a line of rugs designed specifically for lodge décor with rich, earthy tones. Colors add interest and rugs are an effortless way to bring it all together.</p>
<h3>Take it outside</h3>
<p>Don’t forget the necessities needed on the outside. It’s a shame when people work hard to achieve a certain look and then skip over noticeable outdoor features.</p>
<p>Mailboxes and house numbers are objects that emphasize an expression. Address markers that appear to be made of bark set the mood for visitors before they cross the threshold. Mailboxes also can make a distinctive statement. They are what passers-by see most often, and something you see every day. There is a wide variety to choose from online that include styles perfect for any setting.</p>
<h3>Bring it on home</h3>
<p>Everyone wants their dinner guests to feel right at home. These uncomplicated and sometimes overlooked rustic décor ideas can be done easily at any time. Maybe your lodge or log cabin just needs a facelift. There are trouble-free ways to create a fresh look. These decorative ideas will work in any type of space, be it in the middle of nowhere or the middle of the city.</p>
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		<title>Upgrading Heat Registers in a Craftsman Bungalow</title>
		<link>http://personalmoneystore.com/moneyblog/2009/11/20/upgrading-heat-registers-craftsman-bungalow/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/11/20/upgrading-heat-registers-craftsman-bungalow/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 18:27:23 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Companies]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[craftsman home]]></category>
		<category><![CDATA[heat registers]]></category>

		<guid isPermaLink="false">http://personalmoneystore.com/moneyblog/?p=55850</guid>
		<description><![CDATA[The dream is in the details When you’re trying to restore your craftsman home to its original beauty, details matter. When I first started working on my craftsman, my primary concern was about making sure I that had a functional and efficient heating system. Living in a dream home can be a nightmare if it [...]]]></description>
			<content:encoded><![CDATA[<h2>The dream is in the details</h2>
<div class="wp-caption alignright" style="width: 310px"><a href="http://www.heatregisters.com/" rel="external nofollow"><img title="Heat registers" src="http://www.heatregisters.com/heat_registers.jpg" alt="Image from HeatRegisters.com." width="300" height="191" /></a><p class="wp-caption-text">Image from HeatRegisters.com.</p></div>
<p>When you’re trying to restore your craftsman home to its original beauty, details matter. When I first started working on my craftsman, my primary concern was about making sure I that had a functional and efficient heating system. Living in a dream home can be a nightmare if it is drafty all the time!</p>
<p>Once I had installed new windows and upgraded to a more efficient furnace, I started looking at other options to make my home warm and inviting. As I was sitting in my living room with the furnace on, I noticed how unattractive my air vents were; the paint was chipping, it was filled with 90-year-old dust, and the rusty metal looked tacky against the backdrop of my beautiful hardwood floors. I was resolved to get my <a title="heat registers" href="http://www.heatregisters.com/" rel="external nofollow"><strong>heat registers</strong></a> looking great again.</p>
<h3>Hard-pressed at the hardware store</h3>
<p>I started by looking at Lowe&#8217;s and Home Depot for a series of heat registers for my cold air returns and air vents. What I found was kind of depressing. Each store only carried one brand, and they just looked cheap. My hope was that upgrading my heat registers would be distinctive and subtly enhance each room’s appearance.</p>
<p>Unfortunately, the brand-x stuff at the big box stores just didn’t have the period look I was hoping for. What’s worse, I  couldn’t even find the proper size for my cold air return anywhere.</p>
<h3>That big shopping mall in the sky</h3>
<p>Undeterred, I decided to start looking for heat registers online and found a lot of great options.  I found that there were many good websites out there for heat registers and air vents. They have dozens of different options for every era of craftsman home and lots of good information at the bottom of each page.</p>
<p>First I considered whether I wanted a metal or wood heat register for my living room &#8212; a tough choice indeed. The wood<a title="heat register" href="http://www.heatregisters.com/" rel="external nofollow"><strong> air vents</strong></a> have a natural character and can be stained to match other woods. The selection of different wood options is truly amazing, with 143 different custom woods available from Afrormosia to Wenge! Even as all of these choices were very tempting, my husband and I eventually decided to go for the more distinctive brass heat register options.</p>
<h3>Period pieces</h3>
<p>What we found was a really large selection of different brass heat registers to match styles of different periods. It was a very enjoyable process of sorting through the furniture and décor we had in each room and deciding what era we would like to emphasize. In the end we decided to install Wellington style solid brass for our living areas and bedrooms. They complement our flooring so nicely, yet stand out as very attractive details to make our home resonate with the elegance of its original construction.</p>
<p>I’m so glad that I didn’t end up purchasing one of the off-the-shelf heat registers from the hardware store and found what I truly wanted online. With a few more furnishings and finishing touches, we are going to be ready for some serious entertaining!</p>
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		<title>Decorating Your Colonial Home</title>
		<link>http://personalmoneystore.com/moneyblog/2009/11/20/decorating-colonial-home/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/11/20/decorating-colonial-home/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 17:07:29 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[colonial decor]]></category>
		<category><![CDATA[find colonial decorations online]]></category>
		<category><![CDATA[history of colonial style]]></category>
		<category><![CDATA[the colonial homes connection]]></category>

		<guid isPermaLink="false">http://personalmoneystore.com/moneyblog/?p=55847</guid>
		<description><![CDATA[Colonial roots While Colonial architecture appeared first when Europeans were settling America in the early 1700s, it didn’t cease to exist then. Over the course of the next 300 years, variations of Colonial design remained consistently one of the most popular and enduring styles of architecture. Colonial décor was inspired by European country homes settlers [...]]]></description>
			<content:encoded><![CDATA[<h2>Colonial roots</h2>
<p>While Colonial architecture appeared first when Europeans were settling  America in the early 1700s, it didn’t cease to exist then. Over the course of the next 300 years, variations of Colonial design remained consistently one of the most popular and enduring styles of architecture.</p>
<p><a title="Colonial decor" href="http://www.colonialconnection.com/" rel="external nofollow"><strong>Colonial décor</strong></a> was inspired by European country homes settlers lived in prior to immigration. However, early American décor was distinct, as it featured clean lines, white walls and minimal embellishments. Why was this so? Some attribute this austerity to the puritanical values held by early Americans, but there was a more practical reality: Very little in the way of material possessions could be transported over the Atlantic by sailing ships.</p>
<h3>Minimalism the basis of colonial decor</h3>
<p>Much of what is available to the modern colonial decorator is based on that which is practical. For example, the rooster weather vane for telling the direction of the wind, or a simple wooden coat rack, free of embellishment.</p>
<p>Shakers held the belief that  watches were an unnecessary indulgence, so they took to keeping only one clock in a home, usually in the dining room or other common area. The fireplace was the heart of a Colonial home. A quality set of cast iron fireplace tools were essential to a warm home and can bring flair to a modern colonial, even if the fireplace was no longer in use.</p>
<h3>Colonial revival</h3>
<p>As Colonial architecture regained popularity in the 1870s, it was celebrated as an authentic alternative to the excesses of Victorian homes. Still, more ornate wallpapers and handcrafted brass pieces worked their way into the style, so that Colonial Revival was a more opulent impression of an earlier time.</p>
<p>These later homes tended to have florid crown moldings and great columns at the entrances. One element that remained consistent throughout colonial design was the hallmark window shutters. While most shutters are purely decorative now, in early New England they served a very practical purpose of offering additional shelter from the elements.</p>
<h3>Modern methods to enhance colonial style</h3>
<p>Light switch plates and electrical covers weren’t a feature of <a title="Colonial decor" href="http://www.colonialconnection.com/" rel="external nofollow"><strong>early American décor</strong></a>, but they are found in every room in every home across America today. Fortunately, you don’t have to outfit your charming colonial home with those beige plastic plates. From smooth copper to hand-hammered brass, you can buy light switch plates online that match your colonial motif.</p>
<p>Likewise, there are hundreds of other great options for colonial décor online such as rugs, firebacks, classic mail slots and more. You don’t have to haunt antique shops any longer to decorate your home, it is all available at the click of a button.</p>
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		<title>Money-Saving Tip Your Bank Doesn’t Want You to Know</title>
		<link>http://personalmoneystore.com/moneyblog/2009/11/17/moneysaving-tip-bank-doesnt/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/11/17/moneysaving-tip-bank-doesnt/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 18:19:33 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Bank Fees]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[payday loans]]></category>
		<category><![CDATA[faxless loans]]></category>
		<category><![CDATA[installment loans]]></category>
		<category><![CDATA[nsf fees]]></category>
		<category><![CDATA[online payday loans]]></category>
		<category><![CDATA[overdraft fee legislation]]></category>
		<category><![CDATA[overdraft fees]]></category>

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		<description><![CDATA[APPLY HERE for an Instant Cash Advance Money for nothing In these difficult economic times, the average American family is forced to live paycheck to paycheck &#8212; if they are lucky enough to have jobs at all. When the U.S. government bailed out Wall Street, the major banks got huge cash infusions. Since then, major [...]]]></description>
			<content:encoded><![CDATA[<h2>APPLY HERE for an Instant Cash Advance</h2>
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<h2>Money for nothing</h2>
<p><a href="http://picasaweb.google.com/personalmoneystore.photos/Desktop2#5389606795216767202"><img class="alignright" title="money saving secret your bank doesn’t want you to know" src="http://lh4.ggpht.com/_ILA-VL6ldSQ/Ssu60yvtSOI/AAAAAAAABZ4/Y-oeMR7BVIw/s512/27_2507276.jpg" alt="" width="300" height="275" /></a>In these difficult economic times, the average American family is forced to live paycheck to paycheck &#8212; if they are lucky enough to have jobs at all. When the U.S. government bailed out Wall Street, the major banks got huge cash infusions. Since then, major banks like Chase and Bank of America have been reporting record-breaking profits.</p>
<p>Is this because they are making profitable loans to consumers and businesses, earning money the way banks traditionally do? No. In fact, banks&#8217; lending levels are the lowest they have been in more than a decade. What is the secret to their record profits? Fee revenue, or as we all call it: Overdraft Fees.</p>
<h3>NSF fees are costing Americans billions</h3>
<p>According to the Washington Post, consumers paid a stunning $23.7 Billion dollars in overdraft fees in 2008, and that number is expected to rise dramatically in 2009. An estimated 51 million Americans have been forced to pay at least one overdraft fee in the past year at an average of $35 each.</p>
<p>Ouch. These fees are making cash-strapped families hurt even more. What is worse, banks used to have more forgiving policies regarding overdrafts, but now some only allow one overdraft fee per year to be removed.</p>
<h3>Congress is regulating overdraft fees</h3>
<p>Congress is considering overhauling the laws that govern overdraft fees, but it could be years before those laws go into effect. Yet, many Americans have discovered a secret method for <em>preventing </em>overdraft fees and saving money, while being able to cover their daily expenses until their next paycheck. What is the secret? Online payday loans.</p>
<h3>Borrow money through your computer</h3>
<p>Most Americans loathe the idea of getting a payday loan from a cash advance store in a strip mall. People are embarrassed to admit they are having financial difficulties, and frankly being seen at a payday loan store could be a huge social stigma.</p>
<p>Thankfully, the internet has revolutionized the way people can borrow money when they need it. You can receive up to $1,500 in two hours or less, and have the money deposited directly into your checking account. You don’t need good credit to qualify for these loans, and you don’t even need a fax machine!</p>
<h3>The true cost of overdraft fees</h3>
<p>Look at the math. Say you were getting paid on Friday, but your bank account came up just $3 short on Thursday. One single overdraft fee would cost you $35, creating an effective annual interest rate of 260,245 percent! As most people know, having just one overdraft fee is rare when your account balance is low. If you just buy gas, go to the grocery store, pay for child care, and pay your electric bill the day before payday, you could owe $140 in overdraft fees and in reality be paying more than 1 million percent interest!</p>
<h3>Payday Loans help you save</h3>
<p>Online payday loans just make financial sense. If it cost you $15 to borrow $100, and it saved you $140 in overdraft fees, its like putting $125 in your pocket. The key to saving money on payday loans is to make sure to pay them back quickly, as the fees can get expensive over time. If you don’t have the money to pay the loan back within then next two weeks, consider an installment loan, which offers a more affordable payment plan.</p>
<h3>Your secret to beating the banks</h3>
<p>Your banker will tell you that payday loans are dangerous and expensive. What they don’t want you to know is that they are making a killing on overdraft fees, and wouldn’t want that money to go away. Do your own homework, and you’ll find out that banks are profiting billions while America suffers. Take matters into your own hands and get an instant cash advance today.</p>
<h2>If you need an instant cash advance, APPLY HERE</h2>
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		<title>Instant Online Loans Make Getting Cash a Snap</title>
		<link>http://personalmoneystore.com/moneyblog/2009/11/12/instant-online-loans-cash-snap/</link>
		<comments>http://personalmoneystore.com/moneyblog/2009/11/12/instant-online-loans-cash-snap/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 22:48:37 +0000</pubDate>
		<dc:creator>James Hillman</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[payday loans]]></category>
		<category><![CDATA[fast cash]]></category>
		<category><![CDATA[faxless payday loan]]></category>
		<category><![CDATA[instant online loans]]></category>
		<category><![CDATA[internet payday loan]]></category>
		<category><![CDATA[online loans]]></category>

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		<description><![CDATA[When things don&#8217;t work out the way we expect Whether you have car trouble, a late bill that needs paying, or need to buy groceries a week before payday, there are always times when you need money ASAP. There are some things that just can&#8217;t or shouldn&#8217;t wait. Maybe your employer couldn&#8217;t make payroll or [...]]]></description>
			<content:encoded><![CDATA[<h2>When things don&#8217;t work out the way we expect</h2>
<p><a href="http://picasaweb.google.com/personalmoneystore.photos/Desktop2#5389607180944412642"><img class="alignright" title="instant online loans" src="http://lh6.ggpht.com/_ILA-VL6ldSQ/Ssu7LPsWD-I/AAAAAAAABdU/PZX7X_2WMGk/s512/27_2531624.jpg" alt="" width="300" height="269" /></a>Whether you have car trouble, a late bill that needs paying, or need to buy groceries a week before payday, there are always times when you need money ASAP. There are some things that just can&#8217;t or shouldn&#8217;t wait. Maybe your employer couldn&#8217;t make payroll or a check you were expecting got lost in the mail. When you&#8217;re faced with the tough decision to pay the mortgage late or buy groceries, there are always options.</p>
<h4>You could:</h4>
<ul>
<li>Borrow money from family</li>
<li>Try to sell your belongings</li>
<li>Go to a payday loan store</li>
<li>Take your valuables to a pawn shop</li>
<li>Ask a friend for some cash</li>
</ul>
<p>None of those options are ideal. In all reality being out of cash is embarrassing, and society tends to place a stigma on anybody who needs money right away no matter how honest and hard-working the person is.</p>
<p>New technology now allows for a better way to borrow:</p>
<h3>Instant Online Loans</h3>
<p>With just a short online form you can get cash directly deposited into your checking account in as little as two hours. You don&#8217;t even need to go to a fax machine to fax back and forth loan paperwork. All you need is a computer, internet connection and regular income. Most people who receive instant online loans are employed and just need extra cash fast, but many borrowers are self employed or on a fixed income.</p>
<p>The best part about instant online loans is that they are 100 percent confidential. You won&#8217;t have to worry about your friends and family seeing you at the pawn shop or payday loan store. You don&#8217;t even have to leave your home! It&#8217;s free to apply and only takes a few minutes to get started on an instant online loan application, so definitely consider trying it. When you need the money and you want privacy, instant online loans are the solution.</p>
<h2>Start Your Instant Online Loans Application Here!</h2>
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