Would You Buy Your Mother’s Dirty Old Sofa! And Please leave the Steinway!

As an estate sale sales agent/organizer/conductor I have seen a lot of stuff in 21 years! Most of my clients have left behind very nice to marginal personal property, both downsizers and estates but there have been those who have been completely wrong in their expectations of what an estate sale can sell.

For instance, the sisters we interviewed with, in Gaithersburg, who talked a good story. We arrived at the house to find 80% trash and 10% marginally saleable items and 10% collectibles and saleables. We spent a Sunday afternoon going to this meeting- which is precious time.

I gave them a game plan: I told them the first thing they could do is to get a dumpster in the front yard.

I would be happy to do a pre estate sale clean out, because all of the upholstered furniture in the house was dirty and non saleable, the basement was full of junk, not cool stuff, and none of it was donatable. Likewise the mattresses and box springs, ugly old area rugs, pillows and the like. Their mom’s ” precious” china was standard fare, not collectible, and not worth more on the estate sale market than $50. But it was saleable. They were appalled to hear this and argued with me. I suggested they do a weekend sale themselves and see what was left. 

The condition of the property in this house is not usually the case with our clients. But this parent(s) had never made improvements, were heavy smokers and as we all eventually do, got old and overwhelmed. ( Those who can avoid the overwhelm by planning ahead and doing a downsizing sale will live longer…)

In the corner was a Steinway studio grand piano. I told the daughter that I could definitely sell that for her and that would more than make up for any “financial” loss they might feel for the tossing out of the 60 year old sofa.

She declined, saying that was her piano and she was keeping it. She was just the type of personality who loved telling me she was keeping the piano, after introducing me to a house of trash. Outside was a brand new cobalt blue Cadillac. 

The bottom line is: if your house is full of trash, admit it. Do not expect anyone to make silk out of a sow’s ear, so to speak.

No one wants your mother’s dirty, nasty sofa. We do want the Steinway so leave it and share the proceeds with your siblings.

EstateMAX manages full estates, including trash outs. Leave it up to us to project manage, organize, advertise, sell, deliver, trash out before and afterwards and pay you if there is anything left from the proceeds. It’s a thin line between what is saleable and what isn’t. We know.

If you have questions as to what is trash before the sale, google Goodwill Industries and get a list of what they will not accept as donations. The cost to pay us to sort and organize an estate sale out of a house of marginal items, might or might not pay off.

But we sort the wheat from the chaff, display it, price it and sell it, then trash and recycle. For this type of inventory, the money made offsets the cost of an estate clean out and usually reaps a profit. 

If you have a house full of brand, cleaner, nice quality, interesting, collectible, used and decent stuff, THAT is an estate sale. But the best way to know is to call me and discuss your project. I offer a no cost phone interview. And I will ask you to send photos.

The Stuff Left After the Stuff That Sold!

There is always that person at an estate sale who asks ” What do you do with the stuff that’s left after the sale is over?!” (Because there always IS stuff left over, regardless of how large or small the inventory.) Sarcasm, my closest friend, overwhelms my good manners, and I retort” I burn it all in the back yard!”. All the stuff never sells.

We are just completing clean up of an estate sale that we held last weekend. The sale setup included removal of 20 cubic yards of trash, just to get to the stuff that was salable and accommodate it’s setup and shop-ability…And this household had record mounds of stuff to begin with.

We sold an unprecedented volume of stuff over 3 days which left the dregs of unsold stuff behind, in piles.  Piles- because estate sale shoppers are not concerned with neatness, when sifting and picking through inventory, looking for the next “great find”. It looked like a cyclone had gone through the house.

This leftover stuff includes empty cardboard boxes from a myriad of items, including a closet of dust and cardboard scraps left from the sale of  vintage board games, a lawn mower,  old, out of style furniture, Xmas decor, Easter decor, Halloween decor, etc., cleaning supplies, a seashell collection, scraps of stained glass, jars, dried stuff, craft supplies, fabrics, sewing magazines, books, books, books, framed artwork, a daisy art collection, personal care items, shoes, clothes, a bed, a deep freeze full of old food, a Wurlitzer piano, weight bench, scraps of vintage toys, burnt out power tools, dusty fake floral arrangements, an unexplored attic full of who knows what…kitchen stuff, laundry stuff, Tupper ware, old food, and a hundred other items I can’t define.

Yesterday a 26 foot truck load went to charity. Today a 30 cubic yard dumpster or two is being filled with the leftover trash. The estate will pay for removal of the stuff, out of the estate sale proceeds and will still see a profit over and above all expenses.

This is the stuff of someones lives. And those someones left it all there for someone else to deal with-someday. Someday is here. I am the one who is dealing with it. This someone’s son was wise. He hired EstateMAX to handle the details of his parent’s stuff. The house will be sold and life will go on.

Advice to you pack rats and hoarders. You people with OCD, and shopping addictions: STOP now! Don’t leave this for your children to fix later. Take a pill, go to the beach, start running. Do something else while you are alive!

 

What Do We Sell!?

EstateMAX puts up for sale the personal property-all contents- of estates and homes that both gone through their downsizing process or estates that are full of personal property, AS-IS.

In which case we do full organization and trash removal as part of our estate sale service.

Just ask us if you have questions about our ability to market your items to the right buying groups.

Inventories of used and like new items can include and are not limited to, (in no preferential order as below:)

  • Furniture
  • Decor ( Lamps, Lighting, Mirrors, Wall Shelves, Hardware. etc.)
  • Clocks
  • Books
  • Antiques and Collectibles of all Types and Descriptions
  • Precious Metals and Coins
  • Fine and Costume Jewelry
  • Fine and Decorative Art
  • Figurines, Sculpture, etc.
  • Fine Porcelain, China, Pottery
  • Fine Crystal
  • Vintage Glassware
  • Electronics, including non working, vintage computers, receivers, stereos, etc
  • Vinyl LP’s and 45’s
  • DVD’s, CD’s, XBox, etc.
  • Cell phones, other phones
  • Day to Day Kitchen Ware in Good Condition
  • Linens, Table and Bedding
  • Quilts and Fabrics, Textiles
  • Sewing Equipment
  • Dolls, Doll Accessories
  • Advertising Memorabilia
  • Native American Collections
  • Specialty Collections
  • Military Uniforms and Medals and Flags
  • Legal Firearms, Armament
  • Passenger Vehicles: (whether running or not)
  • Lawn and Garden Equipment
  • Farm Equipment
  • Power and Hand Tools and Hardware
  • Garage Items
  • New Building Materials
  • Appliances
  • Musical Instruments
  • Ephemera of all types
  • Designer and Vintage Clothing and High Quality Clothing including
  • Bags, Scarves, Shoes
  • Food in Cupboards
  • And More- Just Ask!

What we do not sell: These Items Can be Considered as Trash or Recycling For all Intents and Purposes of an Estate Sale and Should be Removed From the House Before Estate Sale Setup-either by the Client or EstateMAX Will Handle as Pre-sale Trash Out at Additional Cost, Deducted From the Sale Proceeds-

  • Mattresses and Box Springs ( we can give away with the Headboard, etc.) Against the law to sell used. Ask Us!
  • Piles of empty boxes
  • Particle Board Furniture- Does not usually survive moving and re-installation
  • Broken Furniture, Unless Antique or Collectible-Ask Us!
  • Used Building Materials, Unless Pristine!
  • Personal Trophies, Photos  (Antique Scrapbooks are OK!)
  • Old Software Not Dedicated to Vintage Electronics
  • Old Clothes, Unless Designer and or Vintage/Antique
  • Lawn Chemicals that are opened or illegal ( DDT, etc.)
  • Worn Towels, etc. are donated to Animal Shelters
  • Expired Personal Care Products
  • Very Old, Expired Foods
  • Periodicals-unless Collectible- Ask Us! ( Not Ntl. Geographics.) Are all recycled!
  • Non working appliances- can be recycled by your electric company if they are operating, or can be recycled as scrap
  • Old Baby Cribs, Car Seats, etc. that are not up to current safety codes
  • Soiled Kitchen ware
  • Plastic storage containers, can be recycled

DO NOT DONATE ANYTHING TO CHARITY BEFORE YOUR SALE INVENTORY IS REVIEWED BY ESTATEMAX.

WE SELL FIRST, THEN DONATE AND TRASH LAST

CALL ESTATEMAX at 301-332-5585 for your No Cost Consultation!

 

 

 

Downsizing & Selling Your Stuff? Minimize Your Expectations & Maximize Your Planning!

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To Boomers and Seniors or Estates considering downsizing and why and how to sell their stuff by any method- Auction, Online Auction or Onsite Estate Sale-


The Reality of Stuff

All estate sale companies do the pretty much the same thing-

We all sell as much as we can over the period of the estate sale for the highest possible return. The more we sell, the more income for the client and for us!

The key word here is “possible”. It’s relative to conditions.

EstateMAX’s goal is to clear the house, but realistically that rarely happens. We sell between 70% to 85% of contents. 

(After the sale what do we do with “what doesn’t sell?” No, I don’t burn it in the back yard…I like to tease customers when asked. The balance goes to charity or auction, but only IF the auctioneer wants it, and most don’t want the dregs of a household.)

How do we get the buyers into our sales?

EstateMAX uses progressive social media cross marketing techniques, bringing in hundreds of potential buyers over a 3 day sale. We produce You Tube videos and ongoing live videos on Facebook during the sale. We use every “ticket in the book” to market your sale. The competition for used stuff is fierce!

Under normal conditions, it’s a busy estate sale market. On any (pre-Covid) weekend you could count on 30 to 60 estate sales in the DC Metro area.

Most of it is now sold online, and that does not empty a household.

Online agents “cherry-pick” the home and sell the stuff that is going to bring the money. The tough-to-sell furniture ( it takes a sales person to move it out!), clothes, screws, bolts, garbage bags, cleaning products, linens, volumes of books, household and junk, and who knows what- are left behind for the homeowner to deal with. Charity does not pick up with less than a 8 week schedule and worse, during Covid times. So, what’s the value in hiring EstateMAX? What is the Real Value in Hiring EstateMAX?

(EstateMAX has continued to perform our job onsite during this pandemic following State Realtor Regulations and we perform a full sale over 3 days and a complete clean out afterward making the home ready for settlement or improvement.)

We set realistic starting prices and discount over the course of the sale, and negotiate ongoing on larger purchases. We take bids on the big stuff and the highest prices offered at the end of the day Sunday. We run 3 day sales, typically 8 hour days, depending on location and inventory. Auctioneers start at a buck for online and off site auctions, typically. It doesn’t matter what is being sold if it’s typical household goods and used furniture. 

We MAX out the sales hours and sale possibilities!

So, Potential Sellers Should Consider these Points When Considering Hiring a Company to “Sell Your Stuff”:

  • You have lived with the items for a while. How long-doesn’t really matter when selling your “stuff”.  It is all “used merchandise”- to the buying public. These Items have served their purpose, and made your life better  over the days past. Now the time has come when you don’t need them. For whatever reason- they don’t serve your purposes, are worn out, the style is no longer what you like, etc.
You are moving on! So let go of the stuff and the expectation!
  • Your emotional attachment and opinion about your stuff doesn’t matter anymore… What matters is what the potential buyer thinks.
  • We are talking about used furniture and personal property of all types. It’s intrinsic market value is from 10 cents to 25 cents of the original dollar. Yes, there are exceptions.  If you are the lucky owner of rare, hard to find, specialty collectibles, coins, precious metals, certain antiques, antiquities, certain vehicles, machinery it can be a seller’s market on those items. ( In 21 years of conducting estate sales I have only run into rarities a few times.) Most people’s homes are duplicates of one another, with differences in color, pattern, furniture style, perhaps, but still- what people have been living with for 30 to 40 years has been dictated by furniture manufacturers and designers of the era. Cookie cutter environments, for the most part.
Stuff is expensive to move and moving is stressful.
  • From Maryland to Florida, for instance- figure a 26 foot truck load is from $5600- up. It’s based on weight and distance and that does not include packing fees, boxes, paper and saran wrap used to cover furniture is several thousand more. Moving is a small fortune. It’s usually fiscally beneficial to disburse of the stuff locally, and buy good, used or new in Florida. You can buy it there for 25 to 50 cents on the dollar. Used stuff is cheap to replace, even the good stuff!
Hire EstateMAX, a reputable company, make a small investment in quality service and reap the financial and stress- free benefits of selling and donating the stuff you no longer want or need.
  • What you think is pretty, useful, cool, valuable, special or handy, is subjective. Estate sale shoppers  might not be as awestruck by it. (Your custom, large floral print valances and Ethan Allen brass and glass coffee table with the Ionic column pilaster legs and the French Provincial armoire were your taste, in the 90’s. Sure they look like-new and have barely been used, but it takes a special someone to walk in the door of your estate sale who will have that similar sense of style and a place to use them, and a few thousand dollars to dole out the weekend of the sale.
The world is innundated with used brand-name and older furniture.
  • Baby Boomers are retiring by the thousands daily and moving out of their homes, leaving the stuff behind they don’t want. The smart ones “get it” that it’s all used, out of style, worn out or somewhat worn out, stuff.
  • Expect a sell through of 70% to 85%, more or less, if your style is “in-style” or vintage, collectible, and the quality is great, and your house is full of small, useful objects and affordable pieces. Highly stylized furniture takes a specific buyer.
  • Be prepared. Get packed up with the stuff you are keeping (30% of a household is typical when downsizing ) and allow your seller enough time to advertise effectively, saturate the market with information, and set up and conduct the sale.
To Make it Easy on Yourself, Start your downsizing 6 months in advance of your move. EstateMAX can help.
  • Hire EstateMAX a minimum of 6 weeks prior to your move out date. Give us time to advertise and get the word out for the best result! We need two weeks prior to your sale for initial pictures and ten days for proper setup, sale and clean up,- that’s a smaller home. Larger homes should have 5 to 7 sale days to maximize results and minimize unsold merchandise.

Expect the best of your estate sale professional- The EstateMAX team is a pro-active, problem-solver, ready to step in and handle personal property disbursements resulting from divorce, old age, suicide, death of elderly, and downsizing transitions.


“There were two ways to be happy: improve your reality, or lower your expectations” 

 

― Jodi Picoult

A Hoarders house, after the sale. This is the stuff that is left after the crowds bought what they wanted. It gets sorted, goes to charity, trash and recycling.
A table top view of a set up ready for the sale in a condo. A real collector.

Things Find Their Way Back Home! This Wedding Dress Did!

Home Resources Kovels Komments News, News, News Missing 1948 Wedding Dress Found at Antiques Shop

Missing 1948 Wedding Dress Found at Antiques Shop

Feb 15, 2017

Antiques often seem to find their owners. Jane Foster, a shopper in Grand Junction, Colorado, was walking down the street when she saw her mother’s wedding picture in an antique shop window. It was a shock since the wedding had been in Arizona in 1948. After the wedding, the dress had been boxed. It was eventually placed, along with other belongings, in a storage locker until her father died. But 12 years ago, the contents of the locker was auctioned off. Later the family searched but couldn’t find any of the items. Foster’s mother had since died. When Foster ran into the store and asked to see the picture, the owner told her he not only had the picture, but also the wedding dress. It was still wrapped in the original box, along with a newspaper dated June 22, 1948, two days after the wedding. Foster asked the price of the dress. The shop owner said there was no price. “It’s made its way back to you. It’s home.” Foster agrees. “This is a message to us that she is still thinking about us,” she said, “and watching over us.” (Based on information from KKCO news in Colorado.)

Pack Rat or Hoarder? 6 Signs That Tell The Difference

As a downsizer, organizer, estate seller I’ve been working in the People and Their Stuff Business, intensely for 18 years. Here’s a great article from HP.

If you’re on the fringe, take a step back and go see a doctor for a OCD prescription. Not kidding. I’ve worked with so many people who are incapable of letting go of “junk” because of an Obsessive Compulsive “Cling On”, “Love My Stuff” Mentality. Without medical help nothing is going to change for long, garbage collection or not! By the way, I don’t work with hoarders or serious packrats anymore. Did my time!

How Do You Know if You are a Packrat?

Hoarding is a serious issue that goes far beyond being disorganized. It’s estimated that between 2 and 5 percent of the U.S. population exhibits some hoarding behavior, though some figures vary (one estimate puts the number of people with a full-blown hoarding disorder in the United States at 4 million, but it could be as high as 15 million). But the question has always remained, especially to those of us who have struggled to keep up with the tide of stuff in our homes: What’s the difference between being a “pack rat” and being a full-on hoarder?

“All of us can have more possessions than we really need and wrestle to keep our stuff organized, yet for those with a hoarding issue, it’s to an extreme, where it interferes with their life and ability to use their space effectively,” says Dr. Annette Perot, a licensed psychologist who specializes in anxiety issues and hoarding.

While many of us think of the extreme cases, such as the ones featured on shows like A&E’s “Hoarders,” there are a few everyday signs that you, or someone you know, might have hoarding tendencies.

1. They keep acquiring things, but don’t have a use for the items and/or a reason to display them.

This goes beyond bringing in a random vintage find that you intend to use as a holiday decoration, for example. But for those who have hoarding tendencies, acquisition is an emotional experience. “[…] Many of us buy things because it feels good, even though that feeling is only temporary,” says Dr. Perot. “So, for people with hoarding issues, buying or saving items can be done in order to create more positive feelings.” It’s also a habit that can’t be stopped easily. Hartford Hospital’s Anxiety Disorders Center notes that those with compulsive hoarding have feelings of distress when they see something they want, and can’t feel better until the object is in their possession.

2. Their collection has taken over.

There’s a difference between “collecting” and hoarding. Randy O. Frost, a professor of psychology at Smith College and author of “Stuff: Compulsive Hoarding and The Meaning Of Things,” says that the difference is in how the collection is stored and organized. “For the person whose collecting has become hoarding, possessions become unorganized piles of clutter that are so large that they prevent rooms from being used for normal activities,” Frost says.

3. Their chairs are too cluttered to be used, or there’s one room that cannot be used as intended.

Though extremely uninhabitable homes often come to mind when we think of hoarding, a more common example are chairs and pathways that are piled with so much stuff that they cannot be used. Some also designate at least one specific room or space in their home to the accumulation.

4. They had strong attachments to objects at a young age.

old toy

Though most of us had collections when we were young, a Scientific American article says that children might “reveal a proclivity to hoarding in their emotions.” Attachments can manifest in a few ways. Dr. Perot names a few examples: “Someone might feel guilty about discarding an old toy for fear that he is hurting the toy’s feelings. Or, someone might have difficulty getting rid of her daughter’s baby clothes because she feels like she is getting rid of her daughter.”

5. It’s a huge challenge to get rid of unwanted items.

The difficulty of finally weeding through your closet is universal. The difference is when you can’t seem to get rid of anything (even if it’s in your way) because you might “need it someday.” “People who have hoarding issues are very creative and can see limitless possibilities for the use of an item as simple as a bottle cap,” Dr. Perot says. “Yet more time ends up being spent saving items than in actually creatively using what is saved.” She also says that individuals with hoarding tendencies have a hard time letting go of items, since possessions are perceived as a part of their identity. “Imagine being told to part with a dear friend or part of your identity … That’s how it can feel to someone with hoarding issues.”

6. There’s so much stuff, they don’t want to have visitors over.

Those with hoarding tendencies tend to keep accumulations a secret. Often, it’s because they’re concerned about someone touching the collected objects. Many admit that clutter causes feelings of “shame” and don’t want others to witness the accumulations.

If someone you know needs help, Dr. Perot advises that respect is key. “It’s important to remember that each of us has the right to govern our own lives and make changes if and when we’re ready,” she says. And though it’s tempting, she recommends not “helping” the individual by throwing things away without their permission.

To read more about hoarding and the effects on family, visit Children Of Hoarders. And to learn more about hoarding, check out the interview with professor Randy O. Frost and hoarding expert Dr. Gail Steketee on NPR’s “Fresh Air.”

Less-serious roommate situations still need to be dealt with a gentle hand. Here’s what you should never say to someone you live with.

Things You Never Want To Hear From A Roommate

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10 Collectibles Not Worth Collecting Anymore…KOVELS.Com

https://www.kovels.com/latest-news/10-collectibles-not-worth-collecting-anymore.html


Terry Kovel was interviewed for this article that appeared in the March 15, 2012 issue of The Bottom Line/Personal publication. It is reprinted with the permission of Bottom Line/Personal, www.BottomLinePublications.com.

Are you expecting those Hummel figurines to help pay your kids’ college tuition? Better hope the kids earn scholarships.

Collecting is fun, but it is a perilous investment if you choose the wrong collectibles. Here are 10 once-popular collectibles that are now worth much less than people imagine…

Hummel figurines once sold for hundreds of dollars apiece, but the generation that appreciated these little porcelain statues is now downsizing or dying off, dumping Hummels back into the market by the thousands.

Younger generations have little interest in buying them. Most used Hummels now sell for no more than $75 in shops, with prices likely to continue to fall as more Hummels reach the market.

Other cute little figurines have suffered a similar fate. Precious Moments figurines, sold as collectibles, now have very little monetary value.

Exception: Certain rare Hummels, such as those taller than 12 inches or those made before 1949, still can fetch four figures.

Anything made by the Franklin Mint. The company sells a wide selection of “limited edition” coins, plates, medals and other collectibles, but there’s little resale market for any of it. Anyone who wants a Franklin Mint product usually buys it from the company when it is being heavily advertised. Franklin Mint coins and medals typically can fetch their meltdown value when resold, which usually is a fraction of the amount that the company originally charged (though today’s high precious metals prices have lifted those resale values somewhat).

Other companies that make and heavily market collectible coins and plates include the Danbury Mint and Royal Copenhagen. Their products fare no better on the resale market.

Longaberger baskets—handcrafted wood baskets made by the Longaberger Company of Newark, Ohio— became a hot collectible in the 1990s, with some selling for upward of $100. The company then began issuing expensive limited-edition baskets as collectibles. The Longaberger basket resale market soon collapsed, and today you would be lucky to get more than $20 for most of them.

Limited-edition Barbie dolls have been declining significantly in value. As with most other “limited edition” toys, these were toys in name only— most were never played with, just set aside as investments, so they never became any rarer. Meanwhile, Mattel issued so many different limited-edition Barbies over the years that few collectors could collect them all, and most stopped trying.

Exception: Early Barbies dating from 1959 through the 1960s in top condition still can have considerable value. It’s the modern ones, originally sold at high prices as collectibles, that are likely to be worth less than initially paid.

Thomas Kinkade paintings and prints were produced in such huge quantities that they now have very limited resale value. If you paid retail prices for these paintings at a Thomas Kinkade Signature Gallery—there were more than 300 such galleries in the 1990s—you almost certainly will never recover most of the hundreds or thousands of dollars you paid. Scores of Kinkades are available on eBay, and most receive no bids.

Autographed sports memorabilia have declined sharply in value in the past decade. Collectors are disenchanted as it has become clear that many autographs are forgeries. Signed sports memorabilia now have value only if they come with proof of authenticity, such as verification from an authentication company such as PSA/DNA (www.psaCard.com) or James Spence Authentication (www.Spenceloa.com).

Helpful: If you ask an athlete to sign something for you, have a picture taken of you with the athlete as he/ she is doing the signing to verify authenticity.

Vintage metal lunch boxes became a major collectible in the late 1980s, and by the 1990s, some were selling for thousands of dollars. But today, few lunch boxes fetch more than $100, and most bring much less.

Exception: A lunch box still might have significant value if it features a picture of something that is collected in its own right. A 1950s Superman lunch box or a 1960s Star Trek lunch box might bring thousands, for example—but that’s because Superman or Star Trek collectors want them, not because lunch box collectors will pay that much.

Cookie jars became a hot collecting category after Andy Warhol’s cookie jar collection was auctioned for steep prices following his 1987 death. For a while, collectors were paying hundreds or occasionally thousands of dollars for cookie jars that weren’t even very old. Eventually people figured out that Warhol’s cookie jars were valuable only because Warhol owned them, not because cookie jars themselves have any great collectible value. Today, most formerly “collectible” cookie jars sell for less than $50, depending on design and condition. Very few sell for more.

China sets are declining rapidly in value. Many china sets from Royal Copenhagen, Royal Worcester, Lenox and Wedgwood sell at half the price of new china. Others bring $150 to $200 at estate sales, if they sell at all. Sets with flowery patterns, including Haviland china, are particularly unloved.

Collectible plates featuring pictures by artists such as Norman Rockwell or LeRoy Neiman typically are worth less than $5 per plate these days —and that’s if they date to before 1980 or so. Those produced within the past 30 years usually have no value.


Terry Kovel, author of more than 100 books about collecting. Based in Cleveland, she has a nationally syndicated newspaper column that appears in more than 150 newspapers and is coauthor of Kovels’ Antiques & Collectibles Price Guide, now in its 44th edition (Black Dog & Leventhal), www.Kovels.com.


Copyright © 2012 by Boardroom Inc., 281 Tresser Blvd., Stamford, Connecticut 06901-3229.

www.BottomLinePublications.com

Reprinted with the permission of Bottom Line/Personal