www.798.com  Oil painting customizing steps

1 Choose the details of your masterpiece from a number of options – size of canvas, painting medium and style, then our sales confirm its price with you.

2 You upload the photo that you want our artists to turn into a painting and complete your order.
Note: Make sure your photo is a minimum of 100Kb in size. If you are scanning your photo, make sure it is no less than 600dpi (dots per inch).

3 We choose the best artist based on your photo, and they begin painting your masterpiece.
Note: You should prepaid 50% of confirmed price as down payment before painting.
4 We email you a photo of the painting for your approval. This gives you the opportunity to ask for modifications before the painting is deemed completed. It is our policy that you are 100% thrilled with your painting, so we want to get it perfect before we deliver it to you.

5 Once you approve the painting, you need to pay the rest 50%.

6 After receiving your payment, we will send the painting directly to your address by air freight.
Here are some samples our costomers has ordered

FAQ
1 What kind of painting to customize? How about its cost?
At present, you can order pencil drawing and oil painting. Picture, size and other details are needed. For anything unclear, contact online sales, you will get a content reply.

2.Do You have a Price Guarantee on your oil painting portraits from photo?
We are offer ourselves lower prices on up to 3 levels down in quality of canvas and talents of the artist, but we choose only the very best artists available and only the highest grade of canvas.

4. What quality of photo do you need to produce a high quality oil painting portrait?
For best results, we prefer that you send us the highest quality image that you have. If scanning your photo, we prefer that it is scanned at a minimum 300dpi. Please send us your photos. Whatever it’s quality, we will be more than happy to evaluate the photos and supply you with the results of our evaluation within 24 hours.

5. What type of format should my photo’s be in?
We prefer to use either .jpg or .gif. We can use others including .png, .bmp, .tif, and .tga. If you are using other formats please try to send it to us in either .jpg or .gif . If you are unsure, please send us the photo in the format it is in and if we have trouble opening this format we will contact you.

6. What about Black and White Photos to a Color Oil portrait Painting?
Not a problem! We love changing black and white to color. However, due to the personal likes and dislikes of each individual person, the color tones of choice by the artist may be different than that of your own. For this reason only, we will not be offering our return policy on this type of oil painting from photo. We will allow for 3 minor alterations after we send you a final proof of your painting. We will only make minor adjustments to color, (lips, eyes, etc) and we will not be able to offer you any major color changes (background, clothing, facial tones, etc.). Please try to give us as much detail as possible about colors. Especially pay attention to eye color, hair color, clothing, and facial tones.

7. How do I review my oil painting portrait?
Once your oil painting portrait is completed, the artist will take a digital photo of your completed original oil painting and forward it to our offices. Each oil portrait painting is meticulously inspected before sending the digital photo to you. The majority of our client’s are overjoyed with the amount of detail that went into their oil portrait painting and with their first review. Most of our customers do not wish to make alterations, however, should you feel that a modification should be made, we will be more than happy to make alterations up to 3 times. 100% free of charge.

8.How do I receive my oil painting portrait?
It takes about ten day to finish your works and delivery time is about fifteen days.

9.Will my oil portrait painting be hand autographed by the Artist?
Normally the artist will not autograph his work, however, if you prefer to have an autographed painting simply type into the instruction at check-out, Please Autograph.

10.I am sending my photos to you using regular mail. What size would you prefer?
For best results, please try to send us a photo that is no smaller than 4″ x 6″ or larger than 8″ x 10″. If you are making a digital print, it is better to use our checkout or send the attachment to our email, if that is not possible, please try to send us the highest resolution. For best results, we suggest no lower than 300 dpi

11.I would like my oil painting portrait stretched and I would like a Frame. Where do I go for that?
Due to the high cost of shipping from one part of the world to the next and the volatile nature of frames, we suggest that you purchase a frame and have it stretched locally. Odds are your beautiful oil portrait painting rolled into a protective tube will arrive safely to your home. When your oil painting portrait and frame are shipped together there is a greater chance of it getting damaged.
Benefits to having your new oil painting stretched and framed locally: Seeing it live! You will be able to take your beautiful oil portrait painting into your favorite art store, show it off and have it matched up perfectly to the many choices of frames they have to offer.
Benefit 1: Perfect match the way you want it. No second guessing.
Benefit 2: Possibility of damage to either the frame or your new oil painting is greatly reduced.

12 How do you pack the painting?
We usually pack the painting in a tube.

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www.798.com ·Well known that commercial oil painting has existed for about several hundred years. During this period, numerous great masters sprung up, especially the morden Chinese painters, Zhao Wuji, Wu Guanzhong, Zhang Xiaogang and Yue Minjun as topping representatives.
Most world-class painters started painting by copying great masters’ arts. This is a commonly accepted effictive way to get well trained and skills improvement.

Sonepat

From being a “pastoral location” to “one of the most sought after areas” in Indian Real Estate, Sonepat has come a long way. The upcoming 135 km KMP Expressway is the main attraction for developers. The area between Kundli and Sonepat town falls under an industrialized zone. Atlas Cycle, Hilten Rubber, Indo Adean Fusegear, ECE, Hindustan Everest Tools and Satnam Overseas, LT Overseas (Dawat Basmati Rice), Osram, GSK’s Horlicks are some well known brands that have units here.

Land rates have witnessed an average appreciation of almost 100 – 150 % over the last few years. Residential property rates range from Rs.10,000 to Rs15,000 per sq. yd. For apartments prices vary from Rs.1,700  to Rs.2,200 per sq. ft. Commercial properties stand at around Rs.5,000 to 7,000 per sq. ft.  

SHOULD YOU PREPAY YOUR HOME LOAN?

YOU NEED TO CALCULATE THE NET COST OF A LOAN BEFORE DECIDING TO PREPAY WHEN THE RATE INCREASES,

The increases in home loan interest rates have upset calculations of many borrowers. Increases make a dent in the budgets of the home loan borrowers. In order to contain inflation, the Reserve Bank of India (RBI) has recently hiked the cash reserve ratio (CRR) from 8.75 to nine percent. The latest CRR hike drew out about Rs 8,500 crores from the banking system. The hike in the repot and CRR rates has led to hikes in the home loan interest rates.

Over the last couple of years, the interest rates on home loans have gone up by almost five percent – from seven to 12 percent. As such, the EMI installments have also gone up significantly, upsetting the budgets of people.

There has been a quantum jump in the number of home loan borrowers approaching banks for foreclosures and partial repayments. Many borrowers are trying to reduce the term of their loan, which have increased due to the recent interest rate hikes. These borrowers are typically the ones who have taken floating rate loans in the last 12-18 months and are now trying to make balloon payments. With interest rates on home loans rising in the last one year, consumers are now looking at other options to acquire funds for their investments.

Before deciding to foreclose, one needs to understand the implications – both present as well as future. It can hurt their liquidity in the short to medium terms, if they decide to foreclose their home loan accounts or make partial repayments.

With the increase in EMIs, many borrowers are exploring the option to pre-pay the housing loan. Before deciding whether to pre-pay or not, one should work out the net cost of the home loan. This can be done by factoring in the income tax benefit on the housing loan interest.

Normally, banks do not charge anything in case the loans are being repaid from one’s own sources. However, in case one goes for refinancing, i.e. borrows from some other bank, then a prepayment penalty is levied.

The increased interest rates have put off many speculators from the real estate market. The interest rates’ trend over the next few months is expected to be upwards, across the industry. On the flip side, this may actually prove beneficial for buyers as it will deter speculators from over-leveraging themselves for speculative gains.

                                                                                Courtesy: – ET/FT dtd: – 14th Sep 2008

READY TO MOVE IN

THERE HAS BEEN A RISING TREND OF DEVELOPERS OFFERING FULLY FURNISHED HOMES TO ITS BUYERS, WITH ALL THE AMENITIES BEING PRESENT EVEN BEFORE THEY MOVE IN.

India is a developing country and with its developments, the lifestyle of its citizens is changing as well. There was a time when living in a joint family was the norm, but it’s not the same anymore. Also, when someone bought a home, doing it up on your own was even more exciting then buying your home? But now times are changing. With time being a constraint for so many, today developers and builders are offering the buyer the facility to move in as soon as he purchases a home.

The concept of ready-to move-in homes is becoming quite popular in the city. Ready-to-move-in apartments are the new definition of luxurious living in India. These apartments or homes are fully fitted out with all the amenities required for every day living, sometimes even including the basics like furniture, which the occupant usually prefers to buy on his own and of course the modular kitchens, television and other audio-video systems, air conditioners, etc.

“Basically the décor is close to complete and all the occupant has to do is walk in with his personal belongings and voila – it’s ready to live! To cater the burgeoning demand of the ready to-move-in homes, we have come up with a property in Noida. They are centrally air conditioned luxury apartments and penthouses with all the amenities like modular kitchen, sauna bath, steam bath, massage chairs in master bathroom, etc.” explains Rohtas Goel, Chairman and Managing Director, Omaxe Ltd. The demand of such apartments and homes has only grown in the recent past and is expected to grow further in the future. These kinds of homes are particularly popular with nuclear families and even those with dual income and no kids (DINKS). Bhim Yadav, CEO of Falcon Realty Services says, “The market has been picking up over the time. These homes are gaining quite a lot of popularity amongst the nuclear families and the people from the corporate sector.”

But how does the builder gain from it? “The developer gains a good commercial value out of these projects as the market is very receptive for such kind of projects,” says Sunil Bedi, Chairman and Director, JMD Ltd. Also, from the developers point of view it takes the development capabilities of the company to the next level. They do not just bring together brick and mortar, but offer an entire style statement to the buyer which is a reflection of the developers’ own perception of stylised living. The developer even gains from the profit margins that he makes from the sale of such apartments.

Ready-to-move-in apartments are quite popular in many areas of the National Capital Region (NCR) in Greater Noida, Gurgaon and Ghaziabad. Even colonies like Vasant Vihar and Anand Niketan where there is a large population of expatriates are witnessing an increasing number of readyto-move-in apartments. Even some places in Connaught Place and South Delhi have such ready-to-move-in homes for buyers.

Anshuman Magazine, the Managing Director of CB Richard Ellis says, “This might not be a trend, but it is something that is picking up because of the rise in the competition. And since everyone wants to go a step further than their competition, they are trying to give their customers much more that what they even expect. Plus, when the developers make bulk purchases, they make good profit margin while selling such apartments. But I still feel that when a person buys a home, he wants to set up his home the way he wants.”

Even though ready-to-move-in apartments might seem that they will cost a bomb, it might not be the case. If you are looking for one, you just might find something that you are looking for. Goel says that to meet the growing demand of housing of different sections, these apartments are available in all ranges. These projects are available in different price range to suit everyone’s pockets from bigger and plusher apartments to one or two bedroom apartments.

If you are one of those people who do not have the time to set up a home after you buy it, you now have the option of finding the best home with the best décor as well in Delhi and NCR

Courtesy: – ET, dtd: – 13th Sep. 2008

Mumbai’s New Corporate Destination

As Mumbai’s most expensive corporate address, the Bandra-Kurla Complex, better known as the BKC, has been making news recently, courtesy the regularity of its record-breaking property deals. With big-ticket players like ICICI, BoB, SBI, NSE and UTI making their presence felt, it is also the city’s new financial nerve-centre. And this may well be just the beginning as more corporate and realty majors line up to get a piece of this prime real estate in a land-starved city.

Rajesh Kulkarni

I t has been more than a decade since the Maharashtra government pegged the Bandra-Kurla Complex (BKC), as Mumbai’s new Central Business District (CBD), but it has taken the turn of the new millennium and the relocation of financial sectors giants like the Bank of Baroda, ICICI, National Stock Exchange, SBI, BoI, ILFS and UTI, which moved their headquarters here, for BKC to justify this title. The past year has seen this commercial hub witnessing some stupendous action on the realty front with property deals being struck at record-breaking prices.

                                                                                    Courtesy – realty plus