Ah yes need a few extra bucks to pay bills, or maybe go to that ball game, or maybe that new iPhone? Where here are some nice easy, ethical and legal means to make money when you need it the most.
1. One way to get money is to have a yard sale and sell items
that you are getting ready to toss away because you don't want
them any longer.
2. You can always gather shells at the beach and polish and turn
into jewelry.
3. Get cash surrender from life insurance policy.
4. Paint faces on rocks and sell as paper weights.
5. Go to a pawn shop and pawn some jewelry.
6. Borrow from a relative.
7. Go get welfare pay or food stamps.
8. Dig small trees from woods and sell to home-owners.
9. Learn names of wild plants and plant in pots for sale.
10. Roll newspapers up in logs, tie, dye and let dry...then sell
(fireplace).
11. Cut up old shirts and dresses and make pot holders out of
them and sell.
12. Cut square towels out of old tossed out clothes and sell as
wiping rags.
13. Gather driftwood from the beach areas and sell to craft
shops.
14. Paint old used wine bottles and sell as hand painted vases.
15. Go house to house and paint house numbers on curbs for a fee.
16. Take the lawn mower house to house and mow lawns for a fee.
17. Offer to dig or spade gardens for local neighbors for money.
18. Offer to sell fishing (earth) worms as bait - dig in garden
to get the worms.
19. Paint house exteriors in spare hours. Charge prevailing rate.
20. Gather pine cones and sell to craft shops.
21. Turn pine cones into useful jewelry, etc. and sell to shops
or houses.
22. Spray old building bricks gold, sell as "Fort Knox Rejects"
23. Paint bricks a vibrant enamel and sell as toilet bowl
displacements.
24. Fill coffee cans full of plaster, paint all over and sell as
door stops.
25. Gather vegetables from your garden and sell at road side
stand.
27. Baby sit for profits.
28. House sit for vacationers, get extra by up keeping grounds.
29. Make fudge and sell house to house.
30. Do typing for fellow students or fellow workers for a fee.
31. Type menus for restaurants for a certain amount per menu.
32. Read books and do reports for a fee for students.
33. Research any subject (in library) for $25 a page.
34. Paint scrolls and designs on plates or make birthday plates,
charge $19 each.
35. Teach people to do calisthenics, charge $2 an hour and have
10 at a time.
36. Teach dancing and charge $2 an hour, and have 10 at a time.
37. Learn to do juggling and clowning, put on shows for pay.
38. Rent out as a clown to birthday parties, affairs, etc.
39. Get good at telling jokes and rent out to night clubs.
40. Sing for money at night clubs.
41. Make crafts and sell them at road side yard stand.
42. Teach others to make crafts ($2 each) and have 10 at each
class.
43. Bake fruit pies and sell house to house (or in stores at
holidays).
44. Make Christmas wreaths during holiday season to sell, using
discarded boughs from your own and neighbors Christmas trees.
45. Make Christmas candles from paraffin wax and sell at
Christmas time.
46. Polish shoes for office workers by going to office once a day
every day and charge 50 cents a shine - lawyers best bet here,
Also see all accountants, clerks, insurance agents, etc.
These are just some of the ways one can make money fast. Remember as long as it is legal and ethical there is never anything wrong with the way you make money.
Mahalo.
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
Wednesday, May 28, 2008
Tuesday, May 20, 2008
LAST DITCH METHOD TO STOP YOUR CREDITORS COLD!
Wipe Out Your Debts!
If you're afraid to answer the phone because your creditors have been calling every night; and you're worried that one of them is going to call your boss and tell him you're a deadbeat; and just trying to pay off your bills leaves you almost nothing for food - it time you thought about bankruptcy!
With a small amount of money, a lawyer (and even he's not necessary a lot of the time), and a careful evaluation of your assets (what you own) and your liabilities (what you owe), you too can make a new start with the help of the Federal and State bankruptcy laws. But don't rush into this without carefully
determining which is the right way for you, for there are several different ways to stop your creditors cold, and choosing the wrong way can result in your losing much more than you might otherwise have to.
Straight Bankruptcy Usually Costs Less, and It's Quick!
If you have very few assets, and lots of debt, and not enough income to pay the debts off, even on an extended plan (more about that later), then you will probably have to file straight bankruptcy. You must file the proper forms (or "schedules") which you can purchase from any really good office supply
stationery store in your nearest city, especially one in a district where there are lawyers' offices.
Bankruptcy is not a very complicated court action, so don't be too afraid of it. You will need to know which district you live in for Federal Court purposes; look in the telephone (white pages) under U.S. Government - Courts, and locate the U.S. District Court in your nearest city. Probably that court has
jurisdiction; but check this out by phoning the Clerk of the Court and asking him, giving him you home address. You will have to fill out several "schedules" or lists of your creditors: creditors having priority, creditors having security, and creditors having unsecured claims without priority. You must
list every creditor, for any one that is not listed can still sue you and collect, even after the bankruptcy! If you don't know if a debt is secured (backed up by a related asset, like refrigerator bought on an instalment loan) or unsecured (made only on your personal reputation, with no related asset), ask the creditor. Include as a creditor the name of anyone for whom you co-signed a loan or note, and anyone who co-signed for you.
What Will You Have Left?
Will you be put out in the cold without food, clothing and a house to live in after your creditors get paid? Not at all - because most State bankruptcy laws allow some of your assets to be "exempt" from being used to pay your creditors! You must check the specific laws of your State, but usually, the house you live in, the tools of your trade, your personal clothes (within reasonable limits) and certain specific basic home furnishings are all not taken away from you. In fact, in this totally absurd world we live in, many States now permit you to also keep your TV set(!), because, apparently, they regard it as a necessity for life!
Where to File
Once you have all the forms filled out and notarized, bring them to the Clerk of the U.S. District Court in your district, along with $50. You don't have to notify your creditors - the Clerk does that, while also reminding them that now that you have filed bankruptcy papers, they may not press you for any more money, but may come to your hearing.
Usually your creditors don't show up, since by that time you have filed bankruptcy, you have very few nonexempt assets left that they are interested in. Whatever assets you do have that are not exempt (if any) must be sold under the Court's supervision. Any money thus realized is added to whatever cash
you may have had at the time you filed (if any) and the total amount (which might be, and often is, as low as $50 or $750 is divided up by the trustee appointed at your hearing and your creditors get paid on a pro rata (proportional) basis to the amount you owe them. If your assets add up to an amount that,
for example, only allows each creditor 3 1/2 cents for every dollar of debt you owed them, then that 3 1/2 cents is all he gets!
About three months after you have filed, you adjudged "bankrupt". and you can start over again to incur, pay bills and establish a new credit record. Be careful, however, about talking to your old credits at this time. They may offer to help you out by extending new credit, and manoeuvre you into
signing "reaffirmation" of your old debt! Ready anything you sign very closely, and don't agree to repay any debt that you have already discharged through your bankruptcy!
Lawyers for Complications
There are some people who should definitely hire a lawyer to help them through their bankruptcies, especially people who have assets like real estate that they want, somehow, to keep. Aside from real estate, if you have been accused by any creditor of fraud, you should also have a lawyer handle your case. If you decide you don't need a lawyer to handle your bankruptcy, you are still responsible for filling out all of the forms accurately and completely, and every bit as carefully as if a lawyer had done them. Leaving out a creditor's address from a schedule, or forgetting a loan you co-signed can bring lawsuits against you even after your bankruptcy. So be careful, and if you find the bankruptcy process is too complicated, do see a lawyer!
Keeping Your Assets Instead
If you've fallen behind in paying your bills, but you don't want to declare straight bankruptcy, you may want to clean up your financial mess instead through Chapter XIII of the Federal Bankruptcy Laws. Also known as the Wage Earner Plan, Chapter XIII differs from straight bankruptcy in two most important ways: you must pay off the entire amount of your debts (no 10 cents on a dollar here), and within a 3 year period. but the good part is you are not declared "bankrupt", so no one ever knows that you needed relief under any part of the Federal Bankruptcy Acts.
The major advantage of the Wage Earner Plan, besides not being recorded permanently on your credit record, is that you get to keep all your assets, exempt and non-exempt alike (assuming you still have any left!). This is quite important, if, for example, you have a good paid-up car, or expensive household furnishings or a boat or other valuable assets that you want to keep. Under Chapter XIII, you can get your current debts "stretched out" to three years, which may well result in lower total monthly payments than you are currently paying, and as long as you pay off your debts in accordance with the agreement files with the Court, month by month, no creditor will be able to sue you to try to seize any other of your assets, and force their public sale at disadvantageous prices.
Even if they have begin to sue you, once you file for relief under the Bankruptcy Act, either under Chapter XIII or under Chapter XI, straight voluntary bankruptcy, they can't touch you! They are immediately restricted to getting from you only what the referee or trustee will give them and that only after the court proceedings have been completed. Often, if the creditor threatens to sue you, the most effective thing you can do to stop him (besides paying the debt!) is to tell him frankly that, if he sues you, you have no other recourse than to declare bankruptcy. This will often make your creditor willing to negotiate the debt, and you may be able to satisfy him by paying the debt back, but over a longer period of time (with smaller monthly payments) than you originally contracted for. Creditors know well that if you file bankruptcy, the chance of their getting payment in full on their overdue account is very low, so it is in their interest to try to ease your credit burden at least for a while.
Make Yourself "Judgment-Proof"
If a creditor goes ahead and sues you, and gets a judgment against you, he can then get a court order directing the sheriff to seize your personal property, sell it and pay the creditor the amount of your debt. However, if you have no valuable assets, there is nothing for the sheriff to seize, and you are what is generally called "judgment proof", or in other words, can't be made to pay the debt. Because they know this is likely to happen, street-smart debtors often hide their possessions, or move them out-of-state, before the sheriff (or marshal) arrives. This is, of course, illegal. The creditor's next move is to
try to "garnishee your wages, which he does by getting a court order directing your employer to set aside part of your wages or salary every pay period and turn the amount over to him. However, he can only do this if he knows, or can find out, where you work. But even if your wages are garnisheed, there are limits on what a creditor can take! Laws vary from State to State. In some states wages cannot be garnisheed at all while in others only small amounts are exempt from garnishment.
If you have no job, and no visible assets, or you live in a State where your wages cannot be garnisheed, your creditors actually have very few ways of ever collecting on that judgment!
Harassment and Other Creditor Tools
Before your situation gets bad enough to need bankruptcy relief, and before your creditors actually sue you, they will try to make you pay up using informal techniques, rather than formal court orders, as this is far less expensive and time-consuming. First among these informal attempts may be turning their bills over to a collection agency which may then begin harassment, by calling you often and at odd hours by telephone, by trying to talk to your employer about your debts, and/or by threatening you with legal actions, etc. Many of these techniques that they use are illegal!
Yes, a creditor or agency can write you letters, call once a day seeking payment, try to bring legal action against you, but he is forbidden by law to harass you or invade your privacy, or use deceptive means to get you to pay your bills. He may not use foul and abusive language over the telephone, tell anyone beside you the reason for his phone call, insist on payment for a product or service that you claim to have a legitimate grievance about, nor issue false threats (such as saying that he is going to drag you into court to collect $35, when in fact his agency's policy is not to file suit on accounts of less than $100, because of the high legal costs involved). He may not inconvenience you (by calling you at work when you are not easily able to receive calls), or invade your privacy (telling your employer or your neighbor that he is trying to collect a debt from you).
There are books that provide detailed additional information on personal bankruptcy, and include sample letters with which you can try to arrange "stretch-outs" on your own with your creditors before bankruptcy is necessary. Some include sample bankruptcy forms filled out that you can use as a model. Since the accurate filing of all your debts and assets is so important, it's a good idea to follow their detailed instructions closely, with or without a lawyer, so that once you get your creditors off you back, they stay off!
I hope this article was of use to you and you are able to use this information wisely. Remember that any action on your part needs some deep thought and should not be rushed into lightly.
Mahalo.
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
If you're afraid to answer the phone because your creditors have been calling every night; and you're worried that one of them is going to call your boss and tell him you're a deadbeat; and just trying to pay off your bills leaves you almost nothing for food - it time you thought about bankruptcy!
With a small amount of money, a lawyer (and even he's not necessary a lot of the time), and a careful evaluation of your assets (what you own) and your liabilities (what you owe), you too can make a new start with the help of the Federal and State bankruptcy laws. But don't rush into this without carefully
determining which is the right way for you, for there are several different ways to stop your creditors cold, and choosing the wrong way can result in your losing much more than you might otherwise have to.
Straight Bankruptcy Usually Costs Less, and It's Quick!
If you have very few assets, and lots of debt, and not enough income to pay the debts off, even on an extended plan (more about that later), then you will probably have to file straight bankruptcy. You must file the proper forms (or "schedules") which you can purchase from any really good office supply
stationery store in your nearest city, especially one in a district where there are lawyers' offices.
Bankruptcy is not a very complicated court action, so don't be too afraid of it. You will need to know which district you live in for Federal Court purposes; look in the telephone (white pages) under U.S. Government - Courts, and locate the U.S. District Court in your nearest city. Probably that court has
jurisdiction; but check this out by phoning the Clerk of the Court and asking him, giving him you home address. You will have to fill out several "schedules" or lists of your creditors: creditors having priority, creditors having security, and creditors having unsecured claims without priority. You must
list every creditor, for any one that is not listed can still sue you and collect, even after the bankruptcy! If you don't know if a debt is secured (backed up by a related asset, like refrigerator bought on an instalment loan) or unsecured (made only on your personal reputation, with no related asset), ask the creditor. Include as a creditor the name of anyone for whom you co-signed a loan or note, and anyone who co-signed for you.
What Will You Have Left?
Will you be put out in the cold without food, clothing and a house to live in after your creditors get paid? Not at all - because most State bankruptcy laws allow some of your assets to be "exempt" from being used to pay your creditors! You must check the specific laws of your State, but usually, the house you live in, the tools of your trade, your personal clothes (within reasonable limits) and certain specific basic home furnishings are all not taken away from you. In fact, in this totally absurd world we live in, many States now permit you to also keep your TV set(!), because, apparently, they regard it as a necessity for life!
Where to File
Once you have all the forms filled out and notarized, bring them to the Clerk of the U.S. District Court in your district, along with $50. You don't have to notify your creditors - the Clerk does that, while also reminding them that now that you have filed bankruptcy papers, they may not press you for any more money, but may come to your hearing.
Usually your creditors don't show up, since by that time you have filed bankruptcy, you have very few nonexempt assets left that they are interested in. Whatever assets you do have that are not exempt (if any) must be sold under the Court's supervision. Any money thus realized is added to whatever cash
you may have had at the time you filed (if any) and the total amount (which might be, and often is, as low as $50 or $750 is divided up by the trustee appointed at your hearing and your creditors get paid on a pro rata (proportional) basis to the amount you owe them. If your assets add up to an amount that,
for example, only allows each creditor 3 1/2 cents for every dollar of debt you owed them, then that 3 1/2 cents is all he gets!
About three months after you have filed, you adjudged "bankrupt". and you can start over again to incur, pay bills and establish a new credit record. Be careful, however, about talking to your old credits at this time. They may offer to help you out by extending new credit, and manoeuvre you into
signing "reaffirmation" of your old debt! Ready anything you sign very closely, and don't agree to repay any debt that you have already discharged through your bankruptcy!
Lawyers for Complications
There are some people who should definitely hire a lawyer to help them through their bankruptcies, especially people who have assets like real estate that they want, somehow, to keep. Aside from real estate, if you have been accused by any creditor of fraud, you should also have a lawyer handle your case. If you decide you don't need a lawyer to handle your bankruptcy, you are still responsible for filling out all of the forms accurately and completely, and every bit as carefully as if a lawyer had done them. Leaving out a creditor's address from a schedule, or forgetting a loan you co-signed can bring lawsuits against you even after your bankruptcy. So be careful, and if you find the bankruptcy process is too complicated, do see a lawyer!
Keeping Your Assets Instead
If you've fallen behind in paying your bills, but you don't want to declare straight bankruptcy, you may want to clean up your financial mess instead through Chapter XIII of the Federal Bankruptcy Laws. Also known as the Wage Earner Plan, Chapter XIII differs from straight bankruptcy in two most important ways: you must pay off the entire amount of your debts (no 10 cents on a dollar here), and within a 3 year period. but the good part is you are not declared "bankrupt", so no one ever knows that you needed relief under any part of the Federal Bankruptcy Acts.
The major advantage of the Wage Earner Plan, besides not being recorded permanently on your credit record, is that you get to keep all your assets, exempt and non-exempt alike (assuming you still have any left!). This is quite important, if, for example, you have a good paid-up car, or expensive household furnishings or a boat or other valuable assets that you want to keep. Under Chapter XIII, you can get your current debts "stretched out" to three years, which may well result in lower total monthly payments than you are currently paying, and as long as you pay off your debts in accordance with the agreement files with the Court, month by month, no creditor will be able to sue you to try to seize any other of your assets, and force their public sale at disadvantageous prices.
Even if they have begin to sue you, once you file for relief under the Bankruptcy Act, either under Chapter XIII or under Chapter XI, straight voluntary bankruptcy, they can't touch you! They are immediately restricted to getting from you only what the referee or trustee will give them and that only after the court proceedings have been completed. Often, if the creditor threatens to sue you, the most effective thing you can do to stop him (besides paying the debt!) is to tell him frankly that, if he sues you, you have no other recourse than to declare bankruptcy. This will often make your creditor willing to negotiate the debt, and you may be able to satisfy him by paying the debt back, but over a longer period of time (with smaller monthly payments) than you originally contracted for. Creditors know well that if you file bankruptcy, the chance of their getting payment in full on their overdue account is very low, so it is in their interest to try to ease your credit burden at least for a while.
Make Yourself "Judgment-Proof"
If a creditor goes ahead and sues you, and gets a judgment against you, he can then get a court order directing the sheriff to seize your personal property, sell it and pay the creditor the amount of your debt. However, if you have no valuable assets, there is nothing for the sheriff to seize, and you are what is generally called "judgment proof", or in other words, can't be made to pay the debt. Because they know this is likely to happen, street-smart debtors often hide their possessions, or move them out-of-state, before the sheriff (or marshal) arrives. This is, of course, illegal. The creditor's next move is to
try to "garnishee your wages, which he does by getting a court order directing your employer to set aside part of your wages or salary every pay period and turn the amount over to him. However, he can only do this if he knows, or can find out, where you work. But even if your wages are garnisheed, there are limits on what a creditor can take! Laws vary from State to State. In some states wages cannot be garnisheed at all while in others only small amounts are exempt from garnishment.
If you have no job, and no visible assets, or you live in a State where your wages cannot be garnisheed, your creditors actually have very few ways of ever collecting on that judgment!
Harassment and Other Creditor Tools
Before your situation gets bad enough to need bankruptcy relief, and before your creditors actually sue you, they will try to make you pay up using informal techniques, rather than formal court orders, as this is far less expensive and time-consuming. First among these informal attempts may be turning their bills over to a collection agency which may then begin harassment, by calling you often and at odd hours by telephone, by trying to talk to your employer about your debts, and/or by threatening you with legal actions, etc. Many of these techniques that they use are illegal!
Yes, a creditor or agency can write you letters, call once a day seeking payment, try to bring legal action against you, but he is forbidden by law to harass you or invade your privacy, or use deceptive means to get you to pay your bills. He may not use foul and abusive language over the telephone, tell anyone beside you the reason for his phone call, insist on payment for a product or service that you claim to have a legitimate grievance about, nor issue false threats (such as saying that he is going to drag you into court to collect $35, when in fact his agency's policy is not to file suit on accounts of less than $100, because of the high legal costs involved). He may not inconvenience you (by calling you at work when you are not easily able to receive calls), or invade your privacy (telling your employer or your neighbor that he is trying to collect a debt from you).
There are books that provide detailed additional information on personal bankruptcy, and include sample letters with which you can try to arrange "stretch-outs" on your own with your creditors before bankruptcy is necessary. Some include sample bankruptcy forms filled out that you can use as a model. Since the accurate filing of all your debts and assets is so important, it's a good idea to follow their detailed instructions closely, with or without a lawyer, so that once you get your creditors off you back, they stay off!
I hope this article was of use to you and you are able to use this information wisely. Remember that any action on your part needs some deep thought and should not be rushed into lightly.
Mahalo.
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
Monday, May 12, 2008
THE 10 BEST WAYS YOU CAN HIDE YOUR VALUABLES
Hiding your life's treasures under your pillow or mattress won't
safeguard them from a thief. However, this doesn't mean that a
safety deposit box at your bank is the only place for them.
In fact, the traditional approach of keeping one's valuables in
the home is an excellent idea, provided they are hidden in
really secret places.
The ten following ideas of where to locate a secret compartment
will offer maximum security. The first five, because they do
require some construction to the house, are better for people
who own their own homes. The second five ideas can be
effectively used by apartment dwellers or renters.
1. WALLS
- because walls are hollow, there can be hidden space behind
every wall in every room.
- the ideal spots are behind solid, fixed items, like coat racks,
or boards along closet walls supporting the clothes hanging pole.
- remove the attachment and hollow out a compartment.
- make sure you camouflage your handiwork well.
2. BEAMS
- ceiling and wall beams are popular architectural features in
homes.
- make one of the false beams (one which doesn't offer much
support) moveable, and hollow an opening out of its top or back
side.
3. BASEBOARDS
- one of the easiest-to-construct compartments is one behind a
baseboard. These strips of wood that run along your walls next
to the floor are so common, no thief would give them a second
glance.
- choose a short section of board, and carefully pry it away
from the wall with a crowbar.
- now hollow out a hole, and replace the baseboard.
4. PANELING
- wall paneling offers a method of opening large areas of dead
space
- your best choice is behind actual boards nailed to the wall
individually, not behind the four-by-eight sheets.
5. MIRRORS
- for a compartment offering little depth, but a large area of
space, you can construct a hollow right behind a full-length
mirror on your closet door.
- hollow out your compartment, then mount your mirror with
sliding tabs.
6. FURNITURE
- complicated secret spaces built into furniture have for
centuries been favorites.
- a simple approach is to remove the molding of a table or desk,
and make a hollow.
7. BOOKCASE
- a common source of easily overlooked space is found at the base
of a bookcase. The lowest shelf is usually raised above the
ground level several inches, and this space is enclosed with a
base-molding.
- if you can make the lowest shelf removable, you can attach your
valuables to the underside of this shelf by means of magnets.
8. LIGHT SWITCH
- an easy and highly deceptive secret space can be constructed
behind an electric outlet plate or light switch plate.
- make sure the electricity is shut off when you remove the plate
to construct your hollow.
9. HOUSEPLANTS
- secret compartments can be constructed in the base of your
plant pots: this will be especially effective if you have lots
of plants.
- seal your valuables well in plastic if they can be
water-damaged.
10. BURIED TREASURE
- finally, don't overlook the oldest hiding technique in history,
of burying your valuables underground.
- make sure you have an accurate map of where your treasure is
buried.
For maximum security in hiding your valuables in your own home,
make sure your craftsmanship is flawless. And don't reveal your
hiding place to anyone out of your own family.
Mahalo.
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
safeguard them from a thief. However, this doesn't mean that a
safety deposit box at your bank is the only place for them.
In fact, the traditional approach of keeping one's valuables in
the home is an excellent idea, provided they are hidden in
really secret places.
The ten following ideas of where to locate a secret compartment
will offer maximum security. The first five, because they do
require some construction to the house, are better for people
who own their own homes. The second five ideas can be
effectively used by apartment dwellers or renters.
1. WALLS
- because walls are hollow, there can be hidden space behind
every wall in every room.
- the ideal spots are behind solid, fixed items, like coat racks,
or boards along closet walls supporting the clothes hanging pole.
- remove the attachment and hollow out a compartment.
- make sure you camouflage your handiwork well.
2. BEAMS
- ceiling and wall beams are popular architectural features in
homes.
- make one of the false beams (one which doesn't offer much
support) moveable, and hollow an opening out of its top or back
side.
3. BASEBOARDS
- one of the easiest-to-construct compartments is one behind a
baseboard. These strips of wood that run along your walls next
to the floor are so common, no thief would give them a second
glance.
- choose a short section of board, and carefully pry it away
from the wall with a crowbar.
- now hollow out a hole, and replace the baseboard.
4. PANELING
- wall paneling offers a method of opening large areas of dead
space
- your best choice is behind actual boards nailed to the wall
individually, not behind the four-by-eight sheets.
5. MIRRORS
- for a compartment offering little depth, but a large area of
space, you can construct a hollow right behind a full-length
mirror on your closet door.
- hollow out your compartment, then mount your mirror with
sliding tabs.
6. FURNITURE
- complicated secret spaces built into furniture have for
centuries been favorites.
- a simple approach is to remove the molding of a table or desk,
and make a hollow.
7. BOOKCASE
- a common source of easily overlooked space is found at the base
of a bookcase. The lowest shelf is usually raised above the
ground level several inches, and this space is enclosed with a
base-molding.
- if you can make the lowest shelf removable, you can attach your
valuables to the underside of this shelf by means of magnets.
8. LIGHT SWITCH
- an easy and highly deceptive secret space can be constructed
behind an electric outlet plate or light switch plate.
- make sure the electricity is shut off when you remove the plate
to construct your hollow.
9. HOUSEPLANTS
- secret compartments can be constructed in the base of your
plant pots: this will be especially effective if you have lots
of plants.
- seal your valuables well in plastic if they can be
water-damaged.
10. BURIED TREASURE
- finally, don't overlook the oldest hiding technique in history,
of burying your valuables underground.
- make sure you have an accurate map of where your treasure is
buried.
For maximum security in hiding your valuables in your own home,
make sure your craftsmanship is flawless. And don't reveal your
hiding place to anyone out of your own family.
Mahalo.
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
Friday, May 2, 2008
More Than One Way to Recycle Old Newspapers
You ever wonder why some people just seem to hold onto their old newspapers and never seem to throw any of them away? Why don't they just recycle them and be good citizens? Well maybe they are recycling them, but not in an overtly obvious way.
Here are 80 uses for that old newspaper:
1. use as umbrella when caught in rain
2. protect car seats from muddy or wet clothing
3. spread over outdoor benches to protect clothing
4. put into loose shoes to tighten
5. stuff in leather shoes to preserve shape
6. stuff in wet shoes overnight to dry and deorderize
7. crumple and place in suitcase for couple of weeks to remove
stale odors
8. use as mat when polishing shoes
9. stuff hats to keep their shape
10. stuff leather handbags in storage
11. wrap around candle bottoms so they'll fit holders tighter
12. store records between sheets
13. use as padding under a table cloth
14. cover store windows when remodeling
15. cover furniture when away on vacation
16. cover furniture when sanding or painting
17. spread on floor underneath rug when shampooing
18. dampen and spread over window-panes before painting
19. use to dry and polish window after washing
20. dampen a bit and use to clean typewriter keys
21. make a hat when painting
22. fold to make a sheath for a knife
23. place in closed windows to eliminate wind rattle
24. stuff under doors and in cracks to stop cold wind from
coming in
25. use as a bounce reflector when taking flash photographs or
use to reflect sunlight into shadow areas.
26. place a sheet in jar tops to tighten loose lids
27. make unusual lamp shades
28. make dress patterns
29. protect table when children are painting or gluing
30. use as wallpaper for a doll house
31. make paper chains
32. make paper dolls
33. make paper mache handicrafts
34. make kites
35. make party hats
36. occupy children by letting them color and paint the cartoons
37. make a child's play tent
38. use to raise height of child at table
39. use as a stepstool
40. cut out articles and make a scrap book on a specific
subject of interest to you.
41. emergency pot holder
42. use to remove heavy grease from oven
43. emergency dust pan
44. roll, secure in middle with elastic and fringe one end to
use to get rid of cobwebs
45. start fires
46. use as a fan to make fires burn better
47. sharpen pencils by rubbing the point on newspaper
48. muffle a loud alarm clock
49. muffle the sound of a typewriter by using as a mat
underneath
50. place under heavy objects on wooden tables
51. spread out between garden rows to discourage weeds
52. use to wrap green tomatoes to ripen
53. cover plants during a frost
54. use as a knee pad when gardening or scrubbing floors
55. roll and use as a funnel
56. roll and use as a torch
57. roll and use as a megaphone outdoors
58. use folded sheets as a fan to keep cool
59. use as sun shade at spectator events
60. use as a mat for wet darkroom photographs
61. shred and stuff in vases to help support fresh flowers
62. put under car wheels when stuck in snow, mud or sand
63. line storage boxes
64. line bottom of bird cage
65. line shelves
66. line waste baskets
67. line a pet's sleeping box
68. swat flies with rolled up sheets
69. use to wipe paint brushes
70. use as mat for wet, muddy boots
71. shred and use for packing breakables
72. wrap and store Christmas tree ornaments
73. wrap around ice cream to keep frozen
74. roll around baby bottle to insulate
75. use as a blotter
76. put inside coat for emergency warmth
77. place on top of snow with bird feed on it
78. place on windshield to prevent icing
79. make a litter bag for your car
80. crumple (no colors) and place in plastic containers to
eliminate odors
Recycling means more than just putting things in a bin and forgetting about them. It is amazing how much money you can save by just being a bit creative with the materials at your disposal (sorry about the pun......no I'm not!).
Mahalo
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
Here are 80 uses for that old newspaper:
1. use as umbrella when caught in rain
2. protect car seats from muddy or wet clothing
3. spread over outdoor benches to protect clothing
4. put into loose shoes to tighten
5. stuff in leather shoes to preserve shape
6. stuff in wet shoes overnight to dry and deorderize
7. crumple and place in suitcase for couple of weeks to remove
stale odors
8. use as mat when polishing shoes
9. stuff hats to keep their shape
10. stuff leather handbags in storage
11. wrap around candle bottoms so they'll fit holders tighter
12. store records between sheets
13. use as padding under a table cloth
14. cover store windows when remodeling
15. cover furniture when away on vacation
16. cover furniture when sanding or painting
17. spread on floor underneath rug when shampooing
18. dampen and spread over window-panes before painting
19. use to dry and polish window after washing
20. dampen a bit and use to clean typewriter keys
21. make a hat when painting
22. fold to make a sheath for a knife
23. place in closed windows to eliminate wind rattle
24. stuff under doors and in cracks to stop cold wind from
coming in
25. use as a bounce reflector when taking flash photographs or
use to reflect sunlight into shadow areas.
26. place a sheet in jar tops to tighten loose lids
27. make unusual lamp shades
28. make dress patterns
29. protect table when children are painting or gluing
30. use as wallpaper for a doll house
31. make paper chains
32. make paper dolls
33. make paper mache handicrafts
34. make kites
35. make party hats
36. occupy children by letting them color and paint the cartoons
37. make a child's play tent
38. use to raise height of child at table
39. use as a stepstool
40. cut out articles and make a scrap book on a specific
subject of interest to you.
41. emergency pot holder
42. use to remove heavy grease from oven
43. emergency dust pan
44. roll, secure in middle with elastic and fringe one end to
use to get rid of cobwebs
45. start fires
46. use as a fan to make fires burn better
47. sharpen pencils by rubbing the point on newspaper
48. muffle a loud alarm clock
49. muffle the sound of a typewriter by using as a mat
underneath
50. place under heavy objects on wooden tables
51. spread out between garden rows to discourage weeds
52. use to wrap green tomatoes to ripen
53. cover plants during a frost
54. use as a knee pad when gardening or scrubbing floors
55. roll and use as a funnel
56. roll and use as a torch
57. roll and use as a megaphone outdoors
58. use folded sheets as a fan to keep cool
59. use as sun shade at spectator events
60. use as a mat for wet darkroom photographs
61. shred and stuff in vases to help support fresh flowers
62. put under car wheels when stuck in snow, mud or sand
63. line storage boxes
64. line bottom of bird cage
65. line shelves
66. line waste baskets
67. line a pet's sleeping box
68. swat flies with rolled up sheets
69. use to wipe paint brushes
70. use as mat for wet, muddy boots
71. shred and use for packing breakables
72. wrap and store Christmas tree ornaments
73. wrap around ice cream to keep frozen
74. roll around baby bottle to insulate
75. use as a blotter
76. put inside coat for emergency warmth
77. place on top of snow with bird feed on it
78. place on windshield to prevent icing
79. make a litter bag for your car
80. crumple (no colors) and place in plastic containers to
eliminate odors
Recycling means more than just putting things in a bin and forgetting about them. It is amazing how much money you can save by just being a bit creative with the materials at your disposal (sorry about the pun......no I'm not!).
Mahalo
******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.
For more information:
http://www.renspubhouse.com/debtfree/debtfree.html
******************************************************************
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