Patrick Andrade for The New York Times
original image from nytimes

As an art consultant, Mr. Greenspan has encountered this kind of conflict before.

“If you are in the process of decorating a home, you know what the sofa costs; you have a good idea of what wallpaper costs,” he said, but art is different. “People don’t like spending big numbers on things they don’t understand. They understand the boat, the fur, the car, but for lack of homework or lack of taste, they just don’t understand art.”

Patrick Andrade for The New York Times
original image from nytimes Art paralysis: It is a widespread and often crippling malady, striking everyone from the new college grad in his or her first apartment to the super-rich banker, lasting anywhere from a few months to a lifetime. How many are affected is not known, perhaps because the victims are often too embarrassed to come forth. Who wants to admit that “I’ve had these posters since college, I know that as one of the American Top 10 Orthodontists I should get some real art, but I don’t know what that means”? Or that “It’s not that I’m trying to make a minimalist statement with these empty white walls, I just don’t know what to buy”? Or “I walk into those snooty galleries in Chelsea and feel like I just don’t belong”?

The fact that there are so many more of these galleries now than there used to be, and that their prices are so much higher — at least for the moment — exacerbates the problem. “Four or five years ago, Chelsea seemed like maybe 30 galleries,” said Bernard Lumpkin, a producer at MTV News, who began collecting around that time. “Now it’s more like 300. Why would you want to jump in now, when it feels like you’re going to drown?”

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CSS gives Web designers control over the appearance of their web sites by separating the visual presentation from the content. It lets them easily make minor changes to a site or perform a complete overhaul of the design. In CSS Site Design instructor and leading industry expert Eric Meyer reviews the essentials of CSS, including selectors, the cascade and inheritance. The training also covers how to build effective navigation, how to lay out pages and how to work with typography, colors, backgrounds and white space. Using a project-based approach, Eric walks through the process of creating a Web page, while teaching the essentials of CSS along the way. By the end of the training, viewers will have the tools to master professional site design. Exercise files accompany the training videos

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Watch the market for lower rates. The Fed’s rate cut should provide a measure of relief to borrowers anticipating rising payments on their adjustable-rate mortgages. “Borrowers facing resets will still see a sizable payment increase compared to the initial payment when the loan was initiated several years ago, but that increase will be substantially lower than it would have been had the Fed not changed interest rates,” says Greg McBride, a senior financial analyst with Bankrate.com. The savings won’t be huge, though. “If your adjustable-rate mortgage is due for a reset in October, you’re going to see some benefit right off the top, so instead of jumping to 7 percent, it’s going to jump to 6¾ percent.” But many adjustable-rate mortgages are not tied directly to the prime rate, which is affected by the Fed’s federal funds rate. “A reduction in the prime rate may not affect their payment at all or may not affect it for some time,” warns David Jones, president of the nonprofit Association of Independent Consumer Credit Counseling Agencies.

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