Margaret Suanne Bone first learned how to appreciate antiques as a young girl. She grew up in an 1880s log cabin, a home that was filled with decorative adornments.

After Margaret Suanne Bone moved into the home of her grandparents, Sam and Margaret Bone, in 2000, she decided to further pursue this time-intensive but rewarding hobby. Her focus settled on the traditional Southern decorations that made her childhood so bright. In fact, many individuals choose to embark on an antique hunt because certain items hold sentimental value.

Collecting antiques is also an educational experience that teaches people about previous generations and their history. Seeking expert advice about past artifacts will make the process more rewarding, says Margaret Suanne Bone. Her results have taught her about the history of Tennessee. Antique groups meet regularly online and in person to learn from each other. Membership in an antique club is a convenient way to share stories about these prized findings.

Margaret Suanne Bone recommends that beginners collect items of interest during the early stages. Concentrating on a particular item will help the beginner to focus on learning about the items and how they are valued. The value of an antique depends on its age and its condition, states Margaret Suanne Bone. An antique collector must store items safely so they don’t get damaged or exposed to water.

According to Margaret Suanne Bone, first-time antique collectors are only limited by their budgets and their imaginations. She asserts that a truly unique piece doesn’t necessarily have to be expensive. Collectable items include a diverse array of items such as sheet music, handkerchiefs, buttons, postcards and stamps.

The most treasured antiques for Margaret Suanne Bone are china and dishes. As a particular subject of interest, she studies and collects green glassware from the Depression. Margaret Suanne Bone appreciates the social element to her antiquing as well. She raves that the best part of being an antique collector occurs when she gathers for meals with her family members and friends. Her table is often set with antique plates and silverware with traditional designs.  As a way to make the day memorable, Margaret Suanne Bone uses this dining ware only on special occasions such as holidays and birthdays.

Reese Witherspoon recently stepped out in a beautiful plum tank dress topped with a buttery brown leather jacket and turquoise beads. She finished the look off with a sassy multi-color statement satchel hung on the crook of her arm. JustFab.com’s Downtown is channeling the same vibe; this faux leather satchel features brown buckle detailing and detachable shoulder strap. Perfect for running around town, it’s a definite eye catcher from JustFab.com and is sure to get the attention of the paparazzi. The best part?  Downtown is available for only $39.95 at JustFab.com.

Kate Bosworth was spotted on a daytime date wearing a playful neutral romper with scalloped hem.  She accessorized the look with an easy shoulder bag and some flattering short wedge sandals. Doheny is a low wedge from JustFab.com combining leopard-print detailing, an ankle strap and minimal design for the freshest in summer footwear. Fashionable and comfortable, JustFab.com knows it’s the perfect summer shoe for girls on the move.

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Eva Mendes traveled in style wearing khaki jeans tucked into riding boots, a chic floral print button-down, a leopard scarf and a colorful top handle carry all. Adapt this look for yourself with JustFab.com’s Savant, a gorgeous textured square JustFab.com tote with shoulder straps and a crossbody strap. And step into Nabila from JustFab.com. This equestrian-inspired over-the-knee boot features a buckle detail, tab behind the top shaft and a low stacked heel. They are both available on JustFab.com for only $39.95 each.

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Oceans2003: Welcome, Scott Safadi, and thank you for joining us to offer your insights on housemates.

Scott Safadi: Happy to be asked.

Oceans2003: Why is choosing the right person so important?

Scott Safadi: Housemates are going into a financial contract together and sometimes one of the parties doesn’t hold up their end of the bargain. Many times, individuals just don’t plan for this type of situation and get stuck.

Oceans2003: What happens when one housemate doesn’t pay the rent?

Scott Safadi: Tenants must remember that in most circumstances, if two or more persons sign the same lease and one defaults on the rent, the other(s) will be liable for all rent and fees. This is a situation that can tarnish everyone’s credit.

Oceans2003: What can lessees do to avoid problems with troublesome housemates?

Scott Safadi: Sometimes problems arise no matter what, but a little work before signing with a housemate can be very helpful.

Oceans2003: What steps should people take when seeking a housemate?

Scott Safadi: Interview the prospect. Talking at length is a good way to find out more about the person and get a feel for whether or not you are compatible.

Oceans2003: What topics should be covered in that interview?

Scott Safadi: Discuss what you both like to do for fun, work schedules, significant others, whether either one smokes or drinks, or has pets. Make a list of criteria desired in a housemate and form questions around that list.

Oceans2003: Is the interview a good place to talk about finances as well?

Scott Safadi: Absolutely! Ask questions about work history and current employment. Don’t be afraid to ask for a credit report and a reference from an employer.

Oceans2003: What if the interview doesn’t provide enough information to make a decision?

Scott Safadi: If the decision is still unclear after the interview, this might not be the right candidate. For further research, call some references to help paint a more accurate picture.

Oceans2003: How do lessees address safety issues when choosing a housemate?

Scott Safadi: Surf social media sites, call former housemates, and talk to his or her co-workers. A criminal background check is also an easy and affordable way to gain peace of mind.

Oceans2003: Are there safe guards to protect lessees, once a housemate is signed and moves in?

Scott Safadi: Develop a contract based on the criteria everyone discussed and agreed upon to use if any problems should arise.

Oceans2003: Any final advice?

Scott Safadi: Trust your instincts!

Oceans2003: Thank you so much for your time.

Scott Safadi: Glad to help.

About Scott Safadi:

Scott Safadi is a Northern California native and a Dartmouth graduate. While his company, CBPM, keeps Scott Safadi extremely busy, he always finds time to enjoy time with his wife and daughter and many outdoor hobbies. Scott Safadi is committed to providing quality property management services to apartment owners and tenants in Silicon Valley.

1. The right light

Many people still use the old teardrop shaped lightbulbs. However, the simple switch to spiral style energy-efficient fluorescent bulbs can save up to $70 per year and reduce lighting costs by 75%.

2. Out with the old

When it’s time to replace old appliances, check the sticker for the ENERGY STAR logo. These energy-efficient appliances can help reduce approximately 130,000 pounds of greenhouse gas emissions over their lifecycle. A big bonus here is that an average family can save up to $11,000 on energy costs over the course of the appliances’ lifespans when they switch to ENERGY STAR labeled products.

3. Beat the heat and rule the cool

Heating and cooling costs can tip the scales at over $1000 per year. Replace air filters regularly, install a programmable thermometer, and have central heat and air systems inspected and serviced annually for a 20% or more savings on these costs per year.

4. Seal the deal

Drafty windows and doors not only allow warm and cool air to exit the home but also allow tiny little pests to invade. A $5 tube of caulk or an inexpensive pack of weather stripping can go a long way to help maintain a home’s internal temperature and save money on heating and cooling costs.

5. Chill on the landfill

It may sound cliché but there’s a reason that the term reduce, reuse, and recycle has become so popular. Donate large items, reuse others, and recycle glass, metal, and plastic to help eliminate the massive volume of usable goods that are cluttering up the nation’s landfills and trash heaps.

6. Let go of the H-2-O

It takes an immense amount of energy to treat and filter water for domestic use. Additionally, many homes are still outfitted with old-fashioned inefficient water heaters. Run only a full dishwasher, fix leaky faucets, and turn off water when not in active use.

7. Compost the most

Americans discard an average of 40% of the food they buy each week. This organic matter could be used to fertilize the land instead of bogging down the landfills; compost this excess to have a more beautiful and eco-friendly lawn.

These seven simple steps can go a long way to help save Mother Earth while making piggy banks across the nation a little fatter. For more information about energy conservation check out the Environmental Protection Agency’s website epa.gov.

Q. Travis Jones, what was the primary focus of Rush Properties?

Travis Jones, Rush Properties: For the past 15 years, my companies have focused on increasing home values through property improvements within Johnson County as well as assisting homeowners in foreclosure through various compensation options.  We serve both sides of the market.

Q.  What are some of the major misunderstandings people have of the foreclosure market today?

Travis Jones, Rush Properties: First, most people think that what gets homeowners into trouble is some kind of financial irresponsibility.  That’s just not true. Usually, it’s the result of a job loss, medical situation or some other catastrophe.  In fact, in a recent poll nearly 60 percent of families seeking foreclosure counseling cited a lost job or cut wages as the reason they were facing foreclosure.

Q. What else?

Travis Jones, Rush Properties: Well, many people think foreclosures only happen in bad or marginal neighborhoods.  That’s not true either.   According to Daren Blomquist, vice president of RealtyTrac, the market share of foreclosed homes under $1 million is declining, but those among properties valued over $1 million are rising – up 115% since 2007.

Travis Jones, Rush Properties: I would want to tell them that foreclosures are very good bargains but that they should not expect to be able to “lowball” the bank with extremely low offers and automatically win out. We’ve all heard that banks have no interest in owning these properties.  But they’re simply not desperate enough to give them away. While foreclosures are usually purchased below market value, one should be leery of anyone claiming that they can consistently find properties for 10 percent.  According to a RealtyTrac analysis of foreclosure sales in the last seven months, the average savings on foreclosure purchases nationwide is approximately 29 percent below full market value.

Q. What other facts should buyers keep in mind?

Travis Jones, Rush Properties: Many people think that buying a foreclosure is risky when in reality buying a bank-owned property is no riskier than any other real estate purchase.  When a bank sells a home there are no hidden costs to be worried about since they clear all liens before listing the home.  Also, foreclosed properties can be appraised and financed just like any other property.

Q. Travis Jones, what are some myths people might believe about foreclosures?

Travis Jones, Rush Properties: Many believe that all foreclosures are in disrepair.  That’s not true, because many people are forced into foreclosure by circumstances beyond their control, not by irresponsibility.  In that case, the best thing for neighborhood home values is for an investor who has the means to improve the property to purchase it.

Q. What are some misgivings that buyers might have about purchasing foreclosures?

Travis Jones, Rush Properties: Many think buying foreclosures is only for professional investors. Perhaps at one time this may have been true, but with all of the tools available to today’s buyers, such as online databases and realtors who specialize in foreclosures, more people than ever before have the opportunity to purchase them.

Q. Do some buyers worry about the homeowner?

Travis Jones, Rush Properties: Exactly. Many fear that they will be taking unfair advantage of homeowners in distress.  While homeowners in default should be wary of unscrupulous buyers and investors who do try to manipulate sellers, many foreclosure buyers can actually help owners to walk away with something to show for their equity in the property.

Q. What does the foreclosure market look like today?

Travis Jones, Rush Properties: According to RealtyTrac, foreclosures were up 47% in March 2013 from a year ago.  While foreclosure rates leveled off last year in the second and third quarters, many economists and industry insiders are predicting foreclosures to surge again in coming months. Kansas reflects average market trends.

Travis Jones of Rush Properties and Cherry Park Properties is a leader in the industry, providing options for lien holders and financially challenged homeowners.  For over fifteen years, Travis Jones of Rush Properties has served the foreclosure needs of Missouri and Kansas through a diversity of options. Travis Jones, founder of Rush Properties, is currently a partner in Cherry Park Properties. Prior to Cherry Park Properties, Travis Jones and the Rush Properties team served extensively in volunteer positions throughout the local community.

Q:  What services does Dollar Loan Center provide to Las Vegas, Nevada, and the other communities where you have locations?

Charles Brennan:  Dollar Loan Center provides short-term loans that help customers bridge the gaps in life that are, often, inevitable.

Q:  Where are Dollar Loan Centers located?

Charles Brennan:  There are Dollar Loan Center locations in four states:  Nevada, Utah, South Dakota, and California. Our home base is in Las Vegas, Nevada.

Q:  In what way is Dollar Loan Center committed to giving back?

Charles Brennan:  The goal of Dollar Loan Center is to improve the communities where centers are located by providing financial support to nonprofit organizations.

Q:  How much money does Dollar Loan Center donate annually?

Charles Brennan:  Right now, between Dollar Loan Center and me personally we donate about $500,000 each year, but the goal is to get up to $1,000,000 in donations each year.

Q:  What types of organizations does Dollar Loan Center support?

Charles Brennan:  Dollar Loan Center is mainly focused on supporting organizations that make the world a better place for children and children’s charities.

Q:  Which organizations in Las Vegas and Nevada has Dollar Loan Center supported?

Charles Brennan:  Dollar Loan Center gave a large donation to the City of Henderson Little League, which is a great program, serving 700 kids each year.  Dollar Loan Center has also supported Opportunity Village for several years.

Q:  Besides charitable donations, what type of economic impact does Dollar Loan Center have in Las Vegas, Nevada and beyond?

Charles Brennan:  Dollar Loan Center provides much needed jobs to 250 employees in Las Vegas, Nevada, along with great benefits, profit sharing and health insurance.

Q:  Does Dollar Loan Center have an impact that expands beyond its employees?

Charles Brennan:  Yes, Dollar Loan Center works with numerous vendors in the area to keep the business running so well.  Dollar Loan Center spends millions of dollars each year at local, Nevada companies like Velocity Ventures, and Iverson Construction to name a few.

Q:  There are numerous Dollar Loan Center locations in Las Vegas, Nevada alone; does Dollar Loan Center lease or own its buildings?

Charles Brennan:   Dollar Loan Center currently leases 36 buildings in Las Vegas and Nevada, putting about $200,000 each month into the real estate market that the state so desperately needs.

Q:  Dollar Loan Center has become a household name in Las Vegas, Nevada; advertisers in the state must benefit.

Charles Brennan:  Exactly!  Dollar Loan Center spends millions of dollars and works with all of our local markets to infuse advertising dollars.  In Las Vegas alone we are on 16 radio stations, 10 times per day, 365 days per year.  Our core marketing is still formed around radio.

Q:  Where does Dollar Loan Center’s spirit of giving come from?

Charles Brennan:  I am a strong believer in giving to those in need and that transcends everything I do, including my work at Dollar Loan Center.

Q:  What major contributions and impact has Dollar Loan Center had in other locations?

Charles Brennan:  In Sioux Falls, South Dakota for example, Dollar Loan Center and I have supported the development and, now, opening of the Brennan Rock ‘n Roll Academy, bringing the first ever free music program to the underprivileged children of the Boys and Girls Clubs.

Charles Brennan is an entrepreneur, philanthropist, and finance expert.  In addition to finance, Charles Brennan has enjoyed a career in concert promotions and has had the opportunity to blend the two from time to time.  Charles Brennan and his family live in Las Vegas, Nevada.

Oceans2003: We are speaking with Rick Dover about his passion for historic preservation. Thank you for meeting with us today, Rick.  

Rick Dover:  Thank you. I’m excited to be here.

Oceans2003: So my first question is, why preservation? Isn’t it easier to knock down an old building and replace it with a new structure?

Rick Dover:  Perhaps, but look at what you lose when you do that.

Oceans2003: You lose an old rundown building?

Rick Dover: If you look beyond the outward appearance of the dilapidated structures, you’ll find a large part of a community’s history. History is what gives a community its character.

Oceans2003: You value preservation over new construction?

Rick Dover: Most definitely. Protecting history through its structural remains is enough to validate preservation efforts, but there are many other reasons why historic preservation is valuable.

Oceans2003: What are some of those reasons?

Rick Dover: Culture is one important incentive. Preservation of past eras and styles connect people with the past and with each other. It can be a strong motivation for social interaction.

Oceans2003: Social interaction? I wouldn’t have thought that would be a factor.

Rick Dover: When people realize the significance in preserving a structure with historical value, instead of destroying it and rebuilding, they develop a sense of civic pride. People with pride in their neighborhood tend to work together to make other improvements in their community.

Oceans2003: I can understand the importance of a connection with past generations being a common bond in a community.

Rick Dover: There is also the economic benefit. When historic buildings are made attractive to visitors, the community profits through increased tourism, greater household income, larger tax revenues, and added jobs.

Oceans2003: Doesn’t preservation of old structures have an adverse effect on new building projects?

Rick Dover: To the contrary. A plan for future development in a community that includes the protection of historic buildings actually encourages healthy growth.

Oceans2003: If you had to name the most important benefit of historic preservation, what would it be?

Rick Dover: That’s a difficult question, but if I had to choose only one I’d say perhaps the biggest advantage would be for the environment. Everyone benefits when historic buildings are rehabilitated rather than torn down and tossed into the local landfill.

Oceans2003: It sounds as if senior adults and local communities gain the most from historic preservations. Am I right?

Rick Dover: I agree they both benefit significantly, but ultimately I believe that future generations will gain the most from our efforts with an improved environment and a legacy rich in an enduring physical history of their local community.

Oceans2003: How long have you been involved with historic preservation?

Rick Dover: Family Pride Corporation and I have been passionate about historic preservation since the company was created in 1993.

Oceans2003: Why did you first become interested in historic preservation?

Rick Dover: The first building we rehabilitated was for my grandfather. We couldn’t find a senior living facility that would fulfill all his wants and needs, so we decided to create one.

Rick Dover and Family Pride Corporation have been saving and preserving historical buildings for more than 20 years. Rick Dover has won numerous awards for historic preservation including the Tennessee Historical Commission’s Certificate of Merit, and Rick Dover has twice been awarded historic preservation of the year awards from the East Tennessee Historic Preservation Alliance. Rick Dover was the winner of the Loudon County Preservationist of the Year award in 2012 and the Nine Counties Preservationist of the Year award in 2011. For more information about Rick Dover and Family Pride Corporation’s heritage preserving projects, visit familypridecorp.com.

Matt Schilit notes that it’s important to choose a meaningful, powerful quote from someone significant and respected. The quote should also match the school’s overall vision, Matt Schilit adds, providing an ongoing theme that reminds both faculty and students of the school’s mission. Matt Schilit recommends involving teachers in the process by encouraging them to use relevant quotes in their daily instruction.

Great quotes are only a few mouse clicks away, Matt Schilit has found. Numerous quote websites are available, and Matt Schilit personally searches for quotes that relate to leadership and education. Matt Schilit often uses his personal favorites, which he believes are applicable to a wide variety of situations.

His favorites: “Do what you can, where you are, with what you have.” –Teddy Roosevelt, and “Whatever you are, be a good one.” –Abraham Lincoln

To further emphasize the school’s mission, Matt Schilit believes posting quotes make good wall décor. Principals and teachers can post their favorite quotes on bulletin boards and walls to serve as food for thought each day as students walk the halls and sit in class.

Matt Schilit also highlights the importance of developing an overarching mission for your school. This gives both the faculty and students something to work toward and helps keep them on track each day. Matt Schilit has found it’s easy for principals to get caught up in the day-to-day minutiae and lose sight of the big picture. These quotes can serve as daily reminders of the school’s ultimate aims.

With a master’s in education from the University of South Carolina, Matt Schilit has spent more than a decade in school administration. Matt Schilit has worked as a health and physical education teacher, a wrestling coach, an assistant principal and a principal. Currently, Matt Schilit coordinates testing and evaluation for the Allendale County School District. He is also working toward his educational specialist degree, which he will achieve in May. Matt Schilit is certified as a secondary principal and elementary principal, and will add certification as a superintendent in May.

The Just Fab Style Steals – additional value for Just Fab VIPs

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Style Steals change often but may include a pair of flats regularly priced at $39.95 for up to half price or a pair of jeans for just $29.95. For those Just Fab shoppers who want to bling it up, jewelry that is regularly available for $39.95 is also available for just $24.95.

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Denim is right for every season and every reason and Just Fab denim makes every day a little more fashionable.  Just Fab Style Steals offers VIP members the opportunity to snag a Signature Skinny or capture a Cool Crop for just $29.95 with the purchase of any $39.95 item. Just Fab hasn’t left out those with a fancy for the Fabulous Flare look either. Style Steals are available in printed, metallic, and everything in-between.

The clutch has to click

At Just Fab, clutches are a big deal and an even bigger steal. For just $24.95 VIPs are given the opportunity to walk away (in their Just Fab shoes, of course) with an amazing accessory sure to complement any outfit.  With a wide variety of Style Steals styles to choose from, the possibilities are never ending to achieve the look that is quite frankly… Just Fab.

The look for less

At Just Fab, the celebrity stylists don’t want to leave any woman wondering what to wear. With each $39.95 order, a Just Fab VIP may add as many Style Steal items to their order as they please. The possibilities are virtually endless.

About Just Fab

Just Fab is no ordinary online shopping experience. Their customizable VIP membership program works by offering each VIP a personalized boutique the first day of every month. These VIPs receive Just Fab styles hand-picked by the best stylist in the industry. Shoppers simply log in by the fifth of the month and pick their favorite Just Fab style for just $39.95. There is never any obligation to buy and with a few simple mouse clicks, Just Fab VIP members can skip a month and come back the next to view a fresh crop of Just Fab fashions.

For more information about Just Fab visit justfab.com.

Oceans 2003: Thank you for joining us today, Pam Gray. Bonaventure Senior Living has experienced so much growth in the last few years, we’re very thankful that you could take the time out of your schedule.

Pam Gray, Bonaventure COO: I am always happy to speak about my passion: seniors and retirement.

Oceans 2003: Today’s topic is saving for retirement.

Pam Gray, Bonaventure COO: That’s something I stress to everyone I meet, even younger adults. Sadly, only about half of Americans actually know how much they need to live out their golden years and even fewer are saving enough.

Oceans 2003: Is that because of limited access to employer-sponsored plans?

Pam Gray, Bonaventure COO: Not necessarily. Out of those who have access to a 401(k) or similar savings plan, only about 70 percent are currently utilizing them.

Oceans 2003: How long does the average American typically spend in retirement?

Pam Gray, Bonaventure COO: Around two decades.

Oceans 2003: So, we know we need to save. How do we get started?

Pam Gray, Bonaventure COO: There’s an old saying that goes “there’s no time like the present.” With that in mind, think of saving as a present to yourself.

Oceans 2003: How do you respond to those who claim saving money is not always feasible?

Pam Gray, Bonaventure COO: If you start small, it can be barely noticeable. I would recommend having 5 to 10 percent of your income taken out before you ever see your money. You will eventually get used to living off this amount.

Oceans 2003: What are the best investments?

Pam Gray, Bonaventure COO: That depends on the retiree’s individual goals. I suggest having a diverse portfolio encompassing all types of investments. This will help diminish risk and strengthen your saving’s rate of return.

Oceans 2003: What if you need your savings for an emergency?

Pam Gray, Bonaventure COO: Unless your family’s immediate situation is in detriment, leave your savings alone. If it is a medical emergency, you can always pay that debt off over time.

Oceans 2003: Shouldn’t we be saving for our children’s college education?

Pam Gray, Bonaventure COO: You should take care of your retirement first. While I absolutely believe that you should look out for your children’s educational future, you must be able to take care of yourself when you retire. If you don’t, you risk being a burden on your family. Plus, there’s no guarantee that your child will go to college, but there are always scholarships, grants and loans for that purpose.

Oceans 2003: What do you suggest for those who have a job but their employer doesn’t offer a plan?

Pam Gray, Bonaventure COO: Suggest that your company start an employer-sponsored plan. The worst they can do is say no and then you can look into private options.

Oceans 2003: Do businesses actually benefit from having retirement plans for their staff?

Pam Gray, Bonaventure COO: Absolutely—especially those who offer to match employee savings. These plans can reduce employee turnover, saving the company money in the long run and helping to ensure a highly skilled group of workers.

Oceans 2003: But isn’t Social Security enough?

Pam Gray, Bonaventure COO: The simple answer that question is no. Social Security only pays, at best, 40 percent of preretirement wages.

Oceans 2003: How much of retirement income is typically spent on health care?

Pam Gray, Bonaventure COO: Older adults use at least 20 percent of their income for health-related needs.

Oceans 2003: What is the biggest mistake that future retirees make when saving?

Pam Gray, Bonaventure COO: Aside from not saving enough, not accounting for future inflation. When it comes to inflation, overestimating is far better than coming up short.

Oceans 2003: What are a few small ways that you can save?

Pam Gray, Bonaventure COO: Quit dining out, drop the expensive cable television, rent movies and watch at home instead of going out, and quit making micro purchases such as a daily lottery ticket or soda.  The small savings add up over time, and most people are surprised to see just how much they actually spend on these types of purchases each month.

Oceans 2003: So, we have planned for diversified portfolios and taken inflation into account—is that it?

Pam Gray, Bonaventure COO: When it comes to retirement, there is never an end to managing your funds. You must have a strategy and you must estimate how much money you will actually use and need. The hardest part is sticking to it.

Oceans 2003: Unfortunately, that is all the time that we have today. We appreciate your speaking with us.

Pam Gray, Bonaventure COO: Thank you for having me.

Pam Gray of Bonaventure has more than 20 years of experience managing retirement living. She joined the company in 2004 and continues to promote health and wellness among active seniors. For more information on the Bonaventure Senior Living network of independent, assisted living and memory care communities, visit RetirementPerfected.com.