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Day 03/356…..Darkness

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Day 03/356.....Darkness

www.facebook.com/Ts365ChallengeLifeBeginsAt40

My title today reflects what a truly awful day i have had inspiration wise….. I knew i would have them… we are all going to have them, but…….. i didn’t expect it on day 3 and to feel so seriously dejected and stuck…..

The first 2 days i was quite pleased with what i had got, obviously knowing there was still vast improvement to be had but it’s a confidence boost isn’t it when we like what we do?..

Today i woke not 100% sure what i was doing, whilst little rat is home for xmas hols going out with camera is alot harder and i knew i wanted to be able to shoot indoors more with the winter months etc….. anyway after endless mugs of coffee i was thinking i’ll try still life etc and a quite a few ideas were running thru my mind……….. until i started shooting them and nothing just nothing looked right……..

Last night my determination to see this thru was way in the sky, i don’t like to give up… but i do get seriously frustrated and today i had my first doubts…. not good!

Anyway, this post is bought to you by a miserable grumpy T…

Fingers crossed a better day tommorow… or at least start jotting ideas down for days like today!…..

Its a dark one…. maybe too dark.. i like dark……..It’s not great but at least you know what time i took the shot lol

Posted by TracieB… some film some digi. on 2013-01-03 20:20:32

Tagged: , 365 , 365project , project , challenge , jeans , denim , material , texture , iphone , mobile , blackandwhite , mono , monotone , stud , pretty , moody , grunge , dark … Read More

The Dos and Don’ts of Upgrades

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When it comes to optioning the house, the primary question an investor should be asking themselves upon an acquisition is whether or not the option selected will contribute to the sell-ability of the house, relative to the actual cost. Obviously, there’s a point of diminishing return if one builds a Taj Mahal in a land of tract homes. Despite the urge to go all out and deck the place to the tee, please resist the temptation. Doing so will only cut down on your return. This is particularly important given the fact that since it is an investment, an investment with an unknown value, it isn’t prudent to put some of the potential gain at risk by purchasing unnecessary design upgrades that aren’t critical.

More often than not, homebuilders are aware of this vulnerability. This is more then ever true for investors, for whom they will provide a glut of options and upgrades that are grossly marked up. This type of financial exploitation provides an income stream that is indispensable to many homebuilders, such as KB Home, who are notorious for their exuberant cost upgrades and options. This system is so elaborate that their design department is a whole corporation of its own-which is known as KB Home Studio and rivals that of most high-end design centers. Not only are these stand-alone profit centers, KB Home has a separate business unit with senior vice presidents, AVPs, regional heads, etc., to take care of this organizational monster. The great thing about this apparatus is that it offers a plethora of design upgrades and options that are really top-shelf. The only problem is that you usually have to pay an arm and a leg to get these wonderful amenities.

To relate a story, the first time I went through a KB Home Studio, it was baptism by fire. I spent over eight hours in the design center, split over two days. At $35,000 plus in upgrades, I estimated that it cost me about $4,300 an hour to shop in their design center. You can see why I was happy to get out of there. Keep in mind also, that you may be required to pay a fraction of the upgrade costs in the form of a deposit soon after selection. This is almost a certainty and industry standard. On average, the deposit amount runs 25 percent to 50 percent and are usually nonrefundable. The consequence of this deposit requirement is apparent, in that it makes it more difficult, especially as an investor, to walk away from a transaction.

In spite of the latter, you can see on a pure convenience factor, it’s hard not to like that a homebuilder can offer you lots of options. Having the “convenience factor” available is all good and well; however, it becomes somewhat of an entrapment issue when the builder offers a plain vanilla box without any or few upgrades. In these cases, sometimes builders will only go to “code”-meaning, only providing what is necessary to … Read More

FHA 203k vs HomePath Renovation vs HomeStyle Renovation

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Dan Moyle with AmeriFirst Home Mortgage sits down with renovation lending expert Joe Daly to discuss …

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A Tale Of Home Improvement

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A Tale Of Home Improvement

Once upon time, in a quiet village, stood a small bungalow, which suffered from neglect because its owners didn’t have any money to maintain it properly. A sign "for sale" had been standing in the front garden for a very long time, but nobody was interested since the bungalow was of very modern design, which was a sharp contrast to the rest of the historic village. Day after day the wood rotted away and nature slowly took over the garden, until only a complete make-over could help the bungalow to survive…

Posted by Flitshans on 2013-05-04 19:39:31

Tagged: , Home Improvement , bungalow … Read More