HomeMy WebLinkAboutThe Wingham Advance-Times, 1985-11-27, Page 26?age 1OA—Urossroads—Nov. 27, 1985
Pouf shades blind
winow, wall
By Barbara Hartung
Q. My apartment has long
narrow windows flanking the
front door. I would like toob-
scure the view through the
windows for privacy reasons
but I don't want to call atten-
tion to the windows. Please
suggest a treatment that
would be casual and up -to -
da te.
p-to-
date. — R. N.
A. A good solution would
be narrow Austrian pouf
shades that could fit into the
windows themselves. Use a
fabric to match the wall. If
you have paint, match the
fabric to that. If you have
wallpaper, try for a match-
ing pattern for a well -plan-
ned, unified look.
Q. We have a problem on
what to do about our kitchen
walls. Our cabinets are in
plastic laminate with a wal-
nut finish. We have an
autumn gold stove and re-
frigerator. Our table and
chairs are walnut.
' The walls have never real-
ly been done, and this is an
old house. They are rough
painted with heavy coats of
paint, and are now antique
gold with .a long hall in a
gray brick pattern.
The ceiling is white and I
have sheer curtains and a 4
valance, draperies and chair
cushions in green, gold and
peach. Should we replaster J
or can we put something on
the walls? 1 can't put ¢such d
money into this project. — B.
S. r
A. If the walls are terribly c
unattractive, you have two a
possibilities. One, get an es- it
timate on what it would cost
to have the walls plastered W
or finished with drywall. Or, w
second, if you would consider c
wallpaper, check your lead-
ing wallpaper dealer for de-
tails on the costs to have an
undercoat of paper hung on
the walls to prepare them for
wallpaper. Either would in-
volve considerable cost.
The only budget way is to
sand and patch as best you
can and repaint the walls a
fresh color. It is truly amaz-
Mg how fantastically effec-
tive this latter choice can be.
You have lots of diverse ele-
ments in your room so you
might like the fresh look you
would have with new paint,
tailored shades instead of
sheers and draperies and
perhaps a new contrasting
color with the gold and
walnut to alter your color
scheme somewhat.
Q. I live in an apartment
and I have a small playroom
withbeige walls and a multi-
color shag carpeting in
black, brown, camel and
beige. Draperies are beige
open weave at the windows
with wicker blinds. My furni-
ture is mostly dark wood,
black and wicker and acces-
sories are beige and black.
I suppose the room looks
OK, but I wonder if there is
any way to make it look a Tit-
le different. I could maybe
add new pictures, but I can-
not change the furniture. —
. P.
A. Basically what you
escribe sounds fine. You
might like more color in your
oom, a slight change of
olor scheme or a change in
ccessories. Any of these
ems can give a room a lift.
Instead of beige walls,
hat about pale peach ones
ith an introduction of terra
otta shades from pale to
•
POUF SHADES—Austrian pouf shades inset in a narrow, tall window allow one to
repeat the wall design when a matching fabric is available, blending wall and
window. Fabric and wall -covering are by Reed.
deep? These accents could
be introduced through inex-
pensive pillows for your sofa,
a skirted table, mats for pic-
tures and plants in interest-
ing containers. Also consider
that interest can be created
through contrasting of
various materials — rough
with smooth, shiny with dull.
•
Wicker, leather, glass, brass
and silver, mirror, heavily
woven cottons and finely
crafted linens blend well
even though they may all be
in relatively similar colors.
Changes in accessories of-
ten can create impressive
variations in a .room. Where
you once had a single, large
picture; try a gallery wall of
many items. Use things that
are meaningful to you. Try a
new lamp or install track
lighting to add dramatic im-
pact to a wall or a section of
a room.
Also; sometimes rearrang-
ing furniture can refresh a
room. Furniture grouped
around a fireplace may be
terrific for the winter sea-
son, but there might be
another arrangement you
would prefer to have in
warm weather. Eiperiment.
That's the way we discover
the best our hdtne has to of-
fer.
Did you know that one of
the most important ingredi-
ents, in plum, sauce, eaten
with Chinese food, is pump-
kin?
HAZARDOUS
Unlike the adult's, a
child's peripheral vision and
body co-ordination have not
yet fully developed. These
physical disadvantages,
when coupled with a lack of
experienge in judging a ve-
hicle's speed can make the
traffic environment a haz-
ardous_ place, especially+ if
the child does not possess a
sound knowledge of the rules
of the road.
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Your taxes are increasing
INC) Ouch!
That automatic 3'13 per
year increase in taxes
hurts. Sure. it doesn't sound
like much, and it wasn't pre-
sented in the federal budget
as a tax increase. It was
called "de -indexing" (a nice
play on words), but it af-
fects all of us, whether we
are pensioners or workers.
That's $3 MORE in taxes
out of every $100 you earn
in taxable income. And the
following year it's another
dui, on top of that, and the
next year another 3%.
Tax -Free Income
Is there any way we can
reduce, or eliminate that
extra tax load?
I think there is. The Fed-
eral Government has de-
signed it's tax system to
help those of us who arein-
vestors to eliminate that
extra tax load, and even to
reduce other normal in-
come taxes.
Moat People Can Become
Inveatora...
They've said: "We'll give
you a lifetime capital gains
deduction of $500,000.
That's $500,000 you can
"earn" in investment in-
come tax free. Further.
more, the rules have always
been there, giving you divi-
dend income that to most
people is completely tax
free; to some it even comes
tax free, saving taxes on
other earned income, and
r people in the top tax
b acket, there is only a little
amount of tax to pay.
But yod'kily: "How can f
reduce my taxes, because
I'm not an investor?" I have
•
ADVERTISEMENT
IT'S Y OUH MONEY
Paul J. Rocket
very little in savings to in-
vest• and therefore I guess
I'm stuck with having to
pay those extra taxes."
But ... most people can
become investors, if they
rea11
•And, be-
cause of it's taxation poli-
cies, the Government is al-
most forcing us to become
investors, even just in order
to reduce our taxes.
"Net" Worth
Suppose I have a house
that's worth $100,000, fur-
niture and a car with a com-
bined worth of $30,000.
That gives me a total- of
$130,000. Against that I
have a $50,000 mortgage.
That leaves me with a "net"
worth of $80,000.
Some banks today will
lend you one-half of your
net worth (in this case half
of 880,000) if you invest in
good mutual funds. The
Bank can then hold that
$40,000 as collateral
against the $40,000 loan.
So ... 1 borrow that
$40,000 and put it into mut-
ual funds. I borrow it at
12'ff%, so the interest costs
will be $4,800 per year.
Those interest costs are tax-
deductable.
If I'm in the 50'31 tax
bracket, that will save me
$2,400 per year in taxes. If I
use those tax Savin s to
B pay
the interest costs, and pay
the other $200 per month
from my earnings, I will
then have reduced my
taxes, AND 1 will gain the
investment return on that
$40,000, for myself. If it's in
mutual funds, that invest-
ment return (probably an
average of 1541 per year)
will be tax-free• or almost
tax-free. That means I gain
$6.000 per year!
If I can't afford the $200
per month in interest, I
can go on a mutual fund
withdrawal program on
that $40,000 to pay thatpor-
tion of the interest. That
means I'll only have an in-
vestment gain of ($6,000
minus $2,900) of $3,600,
PLUS having saved $2,400
in taxes.
To save taxes today you
"MUST" be an investor.
The Government has writ-
ten the laws that way.
When are you starting?
For a FREE pamphlet on
mutual funds, ask for "Why
Doesn't Everyone" and
write: Paul J. Rockel, 153
Union St. E., Waterloo, On-
tario, N2J 1C4.
Paul J. Rocket Is President of
Regal Capital Planners Ltd.
and of the Independent In-
vestment Fund Dealers As-
sociation of Canada.
.3, the bold print
of a bedspread is
tool muck for d'iapes,
repeat Ike plin't
in a . wall hanging
oval the bed,
dun .blend
drapes ivit4
walls.
got d light
bedroom . ideas
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