How Do I Know I Have Too Much Debt?

I saw a bartering afresh with two neighbors chatting in the foreground yard. One had ample numbers tucked beneath his arm apery his accumulation plan. The added neighbor, abridgement the barrier had the bulk "gazillion" beneath his. The "responsible" acquaintance asked him,

"How abundant money are you traveling to charge to retire comfortably?"

The barrier abridgement acquaintance responded

"A gazillion dollars." Acquaintance one asked him, "How abundant are you putting abroad for retirement?" Acquaintance two responded "I dunno, I just bandy a agglomeration of money at it and achievement for the best."

Neighbor two's situation, surprisingly, is a lot added accepted a book again one ability think. CBC's Metro morning ran a affection February 13 on the hasty bulk of humans in the greater Toronto breadth who accept abounding time jobs, but are still active in the abjection range.

Let's run some numbers and see area you compare?

How abundant debt is too abundant debt?

Let's accept you are authoritative 65,000 a year. Depending on area you live, the government may yield about bisected of that in taxes.

Let's now accept you accept a account yield home of 3000.

Your mortgage (or rent) is 1400.00 per month.

Let's aswell acquiesce for top absorption debts (credit cards, car loans, claimed loans etc.) of 3000.00 in total.

If we run all of this through a debt calculator, we see your estimated account accommodation repayments are $1,490 which equates to 49.7% of your disposable account income. You will acquisition this is a alarmingly top ratio. Most likely, active these numbers, you'll acquisition you're aswell spending about 3% of your disposable assets just application concise debt.

What does this all mean? If you lose your job the bulk of time you'll accept to balance afore debt accident is abandoned a few months.

Furthermore, you'll accept a difficult time putting annihilation abroad for a backing day, let abandoned retirement with this top a debt application to assets ratio.

What's the solution?

You'll either charge to access your account afterwards taxes income, or accept a low absorption accommodation from a ancestors affiliate or abutting friend.

Is Your Mortgage advancing due?

With absorption ante as low as they are, this can present a huge opportunity. Merge outstanding top or average absorption debts into your mortgage and pay them off over a best aeon of time, at a lower absorption rate.

Quadratura and the Baroque

I am very excited because I am leaving next week to travel around Italy for two weeks.  One of the works I am looking forward to seeing again when I am in Rome is Andrea Pozzo's ceiling fresco: The Triumph of Sant' Ignazio in the church dedicated to the Saint.  In fact Art History Blogger readers may notice that I have used this work as the image behind my blog header for the reason that it is such a dynamic painting.

Pozzo (1642-1709) was an Italian Baroque painter and architect as well as a lay brother in the Jesuit order.  Due to this he was commission to create art for several Jesuit churches, both in Italy and in Vienna.  The Triumph of Sant' Ignazio is an enormous fresco, which covers the ceiling of the entire nave and perhaps the best known example of quadratura.

Andrea Pozzo,Triumph of Sant' Ignazio of Loyola, 1691-94
(Allegory of the Missionary Work of the Jesuits)

Ceiling fresco, Chiesa di Sant' Ignazio, Rome

Quadratura is a specific style of trompe-l'oeil painting which incorporates architectural elements into the work to create a convincing illusion of the expansion of the actual space into an imagined space.  In this case the painter used the actual clerestory windows (see bottom image) and painted around them.  Of course the viewer does know that the church ceiling isn't open to heaven above, but it is hard to gauge the depth of the ceiling in person or to know if the ceiling is curved.  In fact the nave ceiling of Sant' Iganizio is completely flat, but Pozzo does a very good job at creating the illusion of great depth.

Oculus from the Camera degli Sposi (wedding chamber)

Andrea Mantegna, 1465-74

fresco, Palazzo Ducale, Mantua, Italy

Quadratura had been used in a few early examples, but reached its height of popularity during the Baroque, particularly in Italy but also elsewhere in Europe.  A well known earlier example is this ceiling fresco by Mantegna created in the 15th century.  However unlike the Pozzo work, this is small and playful rather than dramatic. 

Quadratura was the perfect style of painting to tie in with the qualities in art that are associated with the Baroque: drama, theatricality, dynamic, full of excess and grandeur. 

Annibale Carracci, Triumph of Bacchus and Ariadne, begun 1597

Farnese Gallery, Rome

In 16th century ceiling paintings, such as this example by Carracci in the Farnese Gallery, there were some elements of trompe-l'oeil such as the painted cornice as a frame and the four figurative "sculptures" in the corners.  However this is not considered quadratura as Carracci wasn't attempting to create the illusion of another space that didn't exist. Viewers were meant to be delighted and amused by his work rather than awed.  The viewer would instantly recognize a painting, the figures existing in their own space.

Pietro da Cortona, The Triumph of Divine Providence, 1633-39

 Palazzo Barberini, Rome

 Another example is Pietro da Cortona's The Triumph of Divine Providence (seen below) in the Palazzo Barberini in Rome.  The subject matter is the triumph of the reign of Pope Urban VIII.  Here the viewer could see the painting as an extension of their own space.  In person it is difficult to tell which architectural details are real and what are imagined.

 Triumph of Moderation, ceiling fresco (1731) Paul Troger 

Quadratura painting around the perimeter, Gaetano Fanti

Melk Abbey, Austria

 

One reason that the style spread was through a book on painting that Pozzo wrote in Latin which was later translated into German, Tractatus Perspectivae Pictorum et Architectorum.

Later versions of quadratura were used in the 18th century in Germany and Austria and began to use lighter and brighter palates more fitting to the new Rococo style.  One such example is the quadratura painting of Fanti in the Melk Abbey, Austria (above).  The painter Giovanni Battista Tiepolo (1696-70) also created many ceiling frescos and paintings meant for ceilings, such as the example below.  

Allegory of Merit Accompanied by Nobility and Virtue, Giovanni Battista Tiepolo

1757, ceiling fresco, Ca' Rezzonio, Venice

While Tiepolo did use quadratura in his enormous ceiling fresco in the Wurzburg Residenz in Germany, his typical use of quadratura was more like the earlier Renaissance style.  His paintings were created to amuse the viewer, the opulent style and dramatic compositions of the Baroque now replaced with the playfulness of the Rococo.

Learning About Steinway Grand Pianos

It can be hard to make choices. Some are easy, such as saying 'no' to drugs. Some are hard, such as choosing whether or not to put your dog down when he is sick. As we move through life, choices get more and more difficult as we become older and older. Once you buy your first house, the choices become even more difficult. Should you get this paint or that? Two bedroom or three? And what if you are trying to choose the musical instrument that your child will play? Well, that one has an easy answer. You should go with a grand piano.

And not just any regular one. You need to go for the best so that your child will push themselves to be number one as well. Even if you are just buying this for yourself or for a concert music hall, you want the best. That means you want a Steinway. There are several different types of Steinways that you should consider.

The biggest Steinway grand piano is a concert grand. It tops out at eight feet and eleven inches of pure beauty and rich tones. If you are on your way to being a concert pianist, this is the instrument for you. It is the favorite of musicians worldwide and will look impressive in any concert hall. A size down from the concert Steinway is the Music Room Steinway. This has often been given the title "the perfect piano." It measures at six feet eleven inches and is perfect for the room in your house that you have been meaning to turn into a music room. Also, if you are planning on providing piano lessons from your house, this is the perfect teaching piano. It provides the same rich tones as the concert, just on a smaller, more intimate scale.

If the Music Room Steinway is still a tad too big for you, you can always choose the Parlor Room Grand Piano. This one has the tried and true rich tones of a Steinway but the piano has been scaled down to offer the sound in a smaller container. It measures 6'2" and, since this instrument is smaller, it is perfect for the family who wants to buy it and put it in a small sitting room. Close in size to the Parlor Room Steinway is the Living Room Steinway. Measuring in at 5'10", this model produces rich bass tones that are far beyond what one would expect from such a small frame. It will easily fit into your house and still provide you with Steinway quality.

The last two types of Steinway grand pianos are the Medium Steinway and the Baby Steinway. The Medium tops out at 5'7" and can often be found in music schools and conservatories. There is nothing mediocre about its sound, though, and you will not be disappointed. The Baby tops out at five feet and is small enough to fit into nearly any room. It will still deliver the rich sounds you have come to expect from a Steinway and is easily the logical choice for anyone looking for an affordable, small but amazing Steinway.