Build an Impressive Art Collection with Pennies

Being a connoisseur of fine art has nothing to do with how much money you have. Money doesn’t create good taste. If you have always been attracted to paintings, sculptures and other original pieces of art, seize this moment and start fulfilling your dream of starting your own art collection.


Avoid Looking at the Price Tag


An oil painting may sport a $1000 price tag, but pay little attention. Instead, study the piece for that one quality that has caught your eye. Look beyond the subject matter and focus on blend of colors, texture and depth. Something is triggering that euphoria in your brain. By identifying a specific feature, little-known and cheaper artists can bring the same reaction.


Visit Online Curators


There are many online artists that will feature their work on curator sites. Some use a rotating system of new artists while others have scanned and selected those artists that show promise in the art community.


Mingle at Art Galleries


There is often an interesting story behind a popular artist that drives up the price of a painting. This, and other tidbits of information, can help to expand your knowledge of how an artist thinks and works. Strike up a conversation with someone that shares the same aspects of a painting as you do. They can lead you to other shows, auctions and unknown artists. Also have favorite galleries place you on their mailing list for upcoming shows and possible discounts.


Be Obsessed to a Point


Having a passion for fine art can bring you many hours of satisfaction. However, set your boundaries and do not exceed. There is no fast money in turning art and should never be looked at in this light. Art is in the eye of the beholder and if you are not going to treasure its display in your home, you have missed the point. On the other hand, do not become so obsessed with a particular artist that your budget is continually in the red. Fine art can become an addiction so be careful with your new love.


Take it slow and easy when building your art collection. There are little rules and regulations in the fine art industry. Be leery of individuals that try and pressure you into a sale. There are sharks everywhere.


This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

Build an Impressive Art Collection with Pennies

Best Apps for Personal Finance


Financial burdens are something everyone carries with them. Our personal financial standings are at the core of our lives. Maintaining a healthy portfolio and bank account deems challenging for many. Fortunately, technology has made its way into our lives and has helped improve many aspects of it. There are countless online tools and apps that support our everyday needs, finances being one of them. Here are some of the best apps to help with your personal finance needs.


Your Bank’s App


Most financial institutions have an app of their own. Through these technologies, customers are often able to track their accounts with ease. For banks such as PNC and Wells Fargo, users have the option to make transfers, deposit checks, and pay bills with a few touches. These banking apps give you the freedom to neglect going into a branch everytime you need something done.




Managing money, for most people becomes a chore. For those with various accounts and credit cards, it becomes challenging to stay afloat with each one. With Mint, users are provided an all-in-one tool for maintaining your financial obligations. Through the app, one can create a budget, track spending, pay bills, and view your account status. With all of these tools in one place, users have great success when it comes to managing finances in a smart manner.


Pocket Guard


While it doesn’t come with the same bells and whistles of Mint, Pocket Guard provided a user-friendly and simple way of formulating a budget. This app, gets back to basis and gives users a simple “snapshot” of how much they can spend at a given time. Pocket Guard analyzes the numbers to show spenders just how much is left once bills are paid. There are means for specifying spending categories but at the end of the day, Pocket Guard is a simplistic as financial apps get!




Don’t have the funds for a financial advisor? Meet, Albert. This multifaceted app acts as somewhat of a financial advisor to its user. Albert monitors all accounts, while providing up-front recommendations to help improve your financial health. A budget is automatically created based on your previous spending, bills, and income. If you’re looking for someone to do it for you, leave it to Albert.


This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

Best Apps for Personal Finance

Three Financial Tips For Young People

It can be pretty frustrating to be a young person who is constantly bombarded with advice from well-meaning adults. While some advice these adults give you may seem silly, sound financial advice can be priceless as you head into adulthood. You may be financially secure right now thanks to the help of your parents, but one day you are going to have to accept responsibility for your financial situation. To become a more successful adult who can handle financial responsibilities in a way that can contribute to a higher quality of life during your adult years, try incorporating these three financial tips into your life now while you are still young.


Save Money


Whether you get an allowance for doing chores or you have just landed your first job, it is important to learn the value of saving money. Unexpected expenses are a fact of life, and that’s why saving money is essential to your financial security. Even if it is just five or ten dollars a month, learning to save money now can help make you more comfortable with saving money in the future. Open up a savings account and start saving those pennies now so you can reap the benefits of a more financially secure future.


Set A Budget


Even if you do not have a lot of expenses now, learning to live on a budget now can help you greatly in the future when you have major expenses like a mortgage or car payment. Make a list of all your monthly expenses and learn to live within your means. Not only will creating a budget help you see where all your money goes, but it can also help you figure out which type of expenses you really can’t afford to waste your money on.


Use Credit Wisely


In today’s world, instant gratification is common. Whether it’s buying the latest cell phone or the trendiest pair of designer jeans, we live in a society that wants it all right now. While instant gratification in the form of a new pair of jeans may make you happy for a minute, it can have a long-lasting impact on your finances. If you choose to obtain a credit card to buy those must-have items, it is of the utmost importance that you pay off your balance each month. If you don’t, you will be setting yourself up for a lifetime of debt on items you probably really don’t need.


While learning to manage your finances may not seem like fun, it is an important skill to master while you’re young if you wish to have a more financially secure future. By learning to save money, use credit wisely and live on a budget now, you will have the tools you need to lead a more financially secure life as an adult.


This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

Three Financial Tips For Young People

Beginners Guide to Art Auctions

The battlefield in the art world has always taken place at the art auctions where wealthy collectors and art speculators have all converged in the salesroom to compete with each other. It provides a strange delight for the onlookers who have attended the event to specifically have a look at all the action. When an art auction performs poorly, it undermines the confidence of the entire industry. For those getting started, it can be tremendous fun to watch, and sometimes the record-high prices elicit a gasp and roaring applause. If a person has no familiarity with the baroque logic of the art auctions, it might sound like an impenetrable mystery.


The Auctioneer

The showman of the art world, the auction employs humor and drama to raise the prices even from the most reluctant of bidders. Each auctioneer has his signature style, and the younger generation of art gavelers has leaned more towards the edgy and in-your-face style.


The Hammer

Known as the Excalibur of the auctioneer, he wields this combination of baton and judge’s gavel with astounding alacrity. When it comes down, sometimes it taps the table lightly. Other times, a crashes with an unmistakable thunk to show a sale has been completed.



A snooty cousin of the ping pong paddle, this numbered instrument gets used as a telegraph to bid. Many of the high-flying buyers have chosen one of the more discreet approached to help in signaling the auctioneer, but sometimes the process can be as simple as nodding.



An appraisal gives the art collector the approximate market value of the items at the auction house. This is the process of developing an informed opinion on the value of an art collection. This will get assigned to a lot from the specialists of the auction house.



The estimate is what a particular work will fetch in the sale. Art collectors will see both the high end of the estimate and the lower estimate. For example, they might have something that says anywhere from $14,000,000 to $18,000,000.


These are some of the terms for a beginner to understand about art auctions. Sometimes a dealer will bid on behalf of an artist he or she represents, and he ensures that the price of the work never drops below a specific price range.

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

Beginners Guide to Art Auctions

Finance is Fun: Ways to Teach Kids About Money!

The one practical area of life that doesn’t seem to get enough attention in schools is the world of personal finance. Teaching these responsibilities falls largely on parents, but, fortunately, there some things you can do to help your child learn valuable lessons as they grow.
Teaching Toddlers the Value of Money
The first step in teaching about personal finance is to instill the concept of money in your child. There are a number of ways to do this that can make learning fun for your child. One way is to create a store in your home. Collect your child’s toys and label them with prices. Next, give your child some money to go shopping, while you play the part of the cashier. This will help your toddler learn the value of things and that they can only have what they can afford.
Allowance Can Be an Educational Tool
Whether you pay out allowance regularly or only for doing extra chores, this presents an opportunity to teach your older child about finance, using their own earnings. Since they have worked to earn this money, they already hold it in greater value. Now is the time to teach them that their money can’t all be saved as soon as it’s earned. Make them contribute a percentage of their earnings to a savings fund, while letting them keep the rest to spend as they will. This will teach them to budget their money and, if you let them help to keep track of how much is being accumulated, it will also show them the value of maintaining a savings account.
Tutoring Your Teen in Real Personal Finance
As your child reaches his or her teens, it’s time to step up your game a bit. First, it’s a good idea to require them to get a job of their own and force them to pay for some of their own things. For instance, make them pay their own car insurance or tell them they have to pay a weekly rent. You can charge just a small amount, which you will explain goes into their savings account to help pay for college, a new vehicle, or their first apartment. This is also a good time to teach them about investing. By mock investing in stocks and watching how those stocks perform each week together, your teenager will learn about the markets.
By making it a game for younger children and teaching older teens how to handle their own money, your child will hold a better appreciation for finance. Being better prepared will prevent them from making foolish financial mistakes that could haunt them for much of their lives.

This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

Finance is Fun: Ways to Teach Kids About Money!

Celebrities With Impressive Art Collections

Celebrities have the financial means to spend their money on a number of expensive hobbies- a popular choice as of late is collecting art by world-renowned artists. Listed here are celebrities with the most impressive art collections.

1. George Lucas
George Lucas is a filmmaker who loves to collect pieces of American Illustration. Amongst his collection are pieces by Norman Rockwell. In fact, George Lucas and Steven Spielberg lent a portion of their collections to the Smithsonian for an exhibit.

2. Val Kilmer
Val Kilmer is a famous actor who happens to be a collector of Contemporary Sculpture featuring artists such as Roxy Paine. Rumor has it that he is working toward building a sculpture park on the large property he owns in New Mexico.

3. Jane Holzer
Jane Holzer is an avid art collector, movie producer, and Warhol Superstar of the past. She collects Contemporary art from a variety of artists including Andy Warhol, Fischli and Weiss, Andreas Hofer, Jean Michele Basquiat, Jonathan Seliger, Christopher Wool, and many, many more. She has real estate in Palm Springs and from there is mostly a full-time art collector.

4. Brad Pitt
Brad Pitt is an actor and art collector of contemporary art and modern and contemporary design. His collection includes work by artists such as Banksy, Yayoi Kusama, Neo Rauch, and Marcel Dzama.

5. Maddona
In 2009, Maddona’s art collection was valued at a whopping $160 million! The singer/actress collects artwork in the realm of contemporary and modern (with an emphasis on powerful female artists). Among them the famous Frida Kahlo, Tamara de Lempicka, Fernand Leger, Pablo Picasso, Damien Hirst, Man Ray. She enjoys art depicting often controversial and thought-provoking scenes.

6. Neil Patrick Harris
Actor Neil Patrick Harris is a collector of contemporary and Americana artworks by artists such as Andrew Sendor, Tony Payne, and Darina Karpov. Several times, Neil Patrick Harris has opened his home to show his collection as an effort to raise money for the Museum of Contemporary Art in Los Angeles- and has proven to be successful in doing so.

7. Steve Martin
Steve Martin is an actor/comedian who has become more outspoken over the years becoming an advocate of the arts. He collects pieces of modern masters including Pablo Picasso and Georgia O’Keefe.

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

Celebrities With Impressive Art Collections

3 Ways that AI is Being Used in Finance

Artificial intelligence has crept its way into many facets of life. This includes revolutionizing the finance industry. Companies are constantly working to keep up with the competition as new technology and methods are implemented. Here are three artificial intelligence trends that are currently dominating the finance industry.


  1. Detecting fraud

E-commerce has surged in recent years, and along with it comes an explosion of fraud. Dealing with online fraud is a challenging task because some strategies to prevent it can be too much and push potential buyers away. A study conducted by Javelin Strategy in 2015, a research firm, determined that rejected transactions and fake declines cost retailers $118 billion in losses, with some customers never returning due to the experience.

Artificial intelligence can improve this by using algorithms that aid in detecting fraudulent transactions without being too restrictive to cause an inconvenience to buyers. These algorithms focus on a behavior-based approach instead of applying the same rules to all consumers for more effective and accurate fraud prevention.


  1. Chatbots

Chatbots have made customers able to speak with artificial intelligence to get answers to frequently asked questions or concerns. Machines learn how to speak more naturally to mimic an actual human. AI can aid in helping individuals manage their finances. Advanced formulas link to your bank account and analyze your spending habits with income to determine how much you can realistically afford to put up for a rainy day fund. These tools give users deeper insight into their overall financial picture. Digital assistants from large banks make transactions such as sending money to a friend as simple as asking the device.


  1. Algorithms for trades

Computers are phenomenal at examining and evaluating numbers. Trading stocks have become something artificial intelligence can accomplish due to programming that takes relevant factors into account. These systems examine trading patterns and create forecasts based on the numbers to make decisions regarding trading and managing hedge funds. These methods aren’t flawless, and it’s not possible to accurately predict the future, no matter how many numbers are crunched.


Artificial intelligence is relatively new and has plenty of room for advancement and improvement. There will definitely be social, economic, legal, and ethical issues that come up along the way, but things appear to be looking positive for the finance industry’s future.


This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

3 Ways that AI is Being Used in Finance