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![cdale@dalestudios.net • 429 N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606
Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are
Print and Pre-Press
August 27,28 & 29,2010
www.midwestsalute.comwww.midwestsalute.com
Presented By
Sponsored by: City of Fairview Heights; Emerson; Kassly Mortuary Ltd; Scott Credit Union; Associated Bank; Impact Strategies;
Fairview Heights Animal Clinic; Greensfelder, Hemker & Gale, P.C; Community First Bank; Burger King; Holland Construction
Services; Judge John & Marti Baricevic; Dennis Baricevic; Rothman Furniture; Randall Wineries; Traube Tent; Radio Disney;
Dale Studios Creative Services; Belleville News Democat; Grand Rental; KMOX; Scott Landscaping; Effingers Garden Nursery;
Bonnie Rafeedie Tax & Accounting; Munie Outdoor Services; Vavek Photography; Hoelscher Engineering; Chile’s; Houlihan’s;
Memorial Hospital; Alternative T’s; Verizon Wireless; Fairview Heights Photography; George A. Lanxon Piling Sales, Inc.
Graphic Design and Print Production: Dale Studios Creative Services • www. dalestudios.net
Longacre-Moody Park • Fairview Heights, IllinoisLongacre-Moody Park • Fairview Heights, Illinois
Twent y-Second
MIDWEST
Twent y-Second
MIDWEST
;
I am accustomed to and have the ability to build the
final high resolution pre-press artwork as I am designing
a project. This saves vital time and resources on the
production end of the project.
12 A s s e t s • w w w. f n b s t a u n t o n . c o m w w w. f n b s t a u n t o n . c o m • A s s e t s 13
Getting PersonalThe Basics of an Unsecured Loan
S
Looking for a
little extra cash?
ome consumers who find they
need a small amount to fix the
car, buy a new washing machine
or make a down payment on Ju-
nior’s braces are passing up home
equity loans or credit card charges
in favor of small, closed-end, unse-
cured loans.
“It’s a growing type of loan,”
says Jane C. Yao, managing direc-
tor for surveys and statistics for the
American Bankers Association, a
banking trade group. According to
the organization’s latest data, such
loans make up more than one-fifth
(22.1 percent) of the nonmortgage
installment loans on the books at
the nation’s banks, up from 10.9
percent in 1998.
“It’s a product that banks are
finding a demand for in the mar-
ket,” says Yao.
In spite of that, unsecured loans
are not that popular with banks,
says Fritz Elmendorf, vice president
of communications with Consumer
Bankers Association. “It’s not a
very profitable product -- a $2,000
installment loan.”
Instead, he says, the preference
has been for credit card products.
“It creates a lasting relationship
with the customer,” he says.
But using a credit card, which
typically carries a much higher rate
for a short-term loan is probably
not the best option for the typical
consumer, says Gail Hillebrand,
senior attorney with the West Coast
regional office of the Consumers
Union of the U.S., publishers of
Consumer Reports magazine.
“The problem is you need
a lot of discipline to use a
credit card as a loan,” she
says. “Pay the minimum
payment and you won’t
pay it off for decades.”
And treating the
transaction like a
loan, figuring out the
payment needed to pay
it off in a set time period,
“is very hard for people
to set up and maintain.”
Shopping Around
First things first. Decide how
much money you really need.
Better question -- what’s the least
amount that will get you through?
And have you considered other
alternatives to borrowing?
“Look at your credit situation
already,” says Hillebrand. “It’s a
good time to be cautious about
taking out more credit. In this
economy, most households have
too much credit already.”
Once you decide how much you
need, start shopping. Use Bankrate.
com’s personal loan search engine
to compare rates.
“Terms vary considerably,” says
Mike Schenk, vice president of eco-
nomics and statistics for the Credit
Union National Association, an um-
brella group for the country’s credit
unions. “So it’s best for consumers
to shop around.”
His advice: “Call around. Find
out what the terms are. A lot of
people might not think of financial
institutions [like banks and credit
unions.] Instead, their first stop
might be a payday lender, and they
have considerable rates.”
Talk terms
So what kind of rates can you
expect to see? Terms on two-year
bank personal loans are averaging
above 11.8 percent, according to
the most recent (February 2004)
numbers from the Federal Reserve.
But Hillebrand believes that
credit unions might have an edge
over banks when it comes to
small loans.
“I would always start with credit
unions,” she says. “They have bet-
ter rates and less abusive terms.”
Ninety-six percent of credit
unions offer short-term unsecured
loans -- and more than half (60 per-
cent) will make loans for amounts
less than $500, according to figures
from CUNA. The average amount
borrowed is roughly $2,300. In
addition, at least one-fifth of credit
unions will make loans under $500
with just “a limited credit check,”
says Schenk.
If you’re looking for a loan,
here’s a quick shopping list:
1. “Look at the total cost of
the credit -- not just the monthly
payments,” says Hillebrand. And
“a lower monthly payment is not
always better.”
2. Look for hidden charges.
Study all the associated fees.
Things to look for: credit insur-
ance, buying clubs and any other
extra fees. If you don’t understand
it, have the loan officer explain the
charge. “Look at each of the item-
ized [charges] and ask about it,”
she says.
3. And finally, if what you’re
being told by the loan officer is dif-
ferent from what’s in your contract
-- walk. Once you sign, promises
from a loan officer, who may or
may not be working at the institu-
tion next week, are meaningless.
What counts is what’s in writing.
And when it comes to
loans, bigger is not always
better.
Busch Gardens Williamsburg Brochure
Art Fair Poster
2 page spread for a financial publication
Identity • Print • Illustration • Promotions • Mobile • High Res
Identity • Print • Illustration • Promotions • Mobile • High Res](https://image.slidesharecdn.com/16d3e471-0f2b-41d9-b8da-6d21fbff1abb-150504104116-conversion-gate01/75/CDale-SamplesAZ15-3-2048.jpg)
CDale.SamplesAZ15
- 1. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Promotions Mobile Marketing High Resolution Compositing Identity Graphics Print & Pre-Press Digital Illustration Here’s some of my work! Hello, my name is Charles Dale. I am multi-tasking conceptual creative with advanced Adobe Photoshop, Illustrator, InDesign and Quark digital imaging skills as well as senior level art direction experience. I am very acquainted with advertising, brand development, business promotions, mobile marketing event elements, vehicle graphics, project/personnel management, corporate identity, graphic design, high-resolution image compositing and production art for 2-D, 3-D and interactive projects. Click on the images to view more details or case studies Identity • Print • Illustration • Promotions • Mobile • High Res
- 2. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Identity Graphics Home Tech Whole Home Sealing & Insulating Whole Home Sealing & Insulating Whole Home Sealing & Insulating charlesdale@hometech.pro BPI Certified ActOnEnergy® Program Ally We Will Turn Your Home Into a GREEN Home! We Will Turn Your Home Into a GREEN Home! 812.2m back 618 334-5083618 334-5083 Certified Professional in: • Attic Insulation & Ventilation • Dense Pack Wall Insulation • Bath Fans and Venting • Indoor Air Quality Measures • Drafty, Damp Basements • Vapor Barrier in Crawlspace • Crawlspace Wall Insulation • Blower Door Testing Any referral that becomes a HomeTechPro Green Home Retrofit will be paid $50.00! $ 50Reward! Referral : __________________________________________ __________________________________________ Referred By : _______________________________________ __________________________________________ Name & Address Phone A+ Rated Bethalto, IL • 618-334-5083 BPI Certified ActOnEnergy® Program Ally Comfort IssuesComfort Issues? High Bills?High Bills? Here’s Your IncentiveHere’s Your IncentiveHere’s Your Incentive To Seal & Insulate Your Home! Here’s Your Incentive To Seal & Insulate! Here’s Your IncentiveHere’s Your Incentive To Seal & Insulate! Whole Home Sealing • Insulation • Blower Door Testing BPI Certified • Free Estimates • Licensed & Insured front Attic Insulation: Up to $1,400 Wall Insulation: Up to $2,400 Take Advantage of Instant Incentives: Air / Duct Sealing: Up to $1,200 Prevent heating and cooling dollars from escaping through unseen cracks and gaps in your home. Attic Insulation: Up to $1,400 Inadequate insulation is a leading cause of energy waste in most homes. Wall Insulation: Up to $2,400 Insulation decreases the heating or cooling needed by providing an effective resistance to the flow of heat. Ameren Illinois Instant Incentives: Air / Duct Sealing: Up to $1,200 Prevent heating and cooling dollars from escaping through unseen cracks and gaps in your home. Attic Insulation: Up to $1,600 Inadequate insulation is a leading cause of energy waste in most homes. Wall Insulation: Up to $2,000 Insulation decreases the heating or cooling needed by providing an effective resistance to the flow of heat. Turn Your Home into a Green Home! Turn Your Home into a Green Home! $ $ $ $ Indoor Air Quality? 25 Lee Street Bethalto, IL 62010 c 618.334.5083 charlesdale@hometech.pro Charles Dale Energy Auditing & Remediation Home Repair Specialist Energy Consulting • Blower Door Testing • Remediation Handyman Services • Renovations • Licensed & Insured The typical logo design goes through many versions before the final is chosen. These are just a few of the ideas I came up with prior to the final concept. Final version A few additional logo designs. Horizontal version (above) Identity • Print • Illustration • Promotions • Mobile • High Res Identity • Print • Illustration • Promotions • Mobile • High Res
- 3. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Print and Pre-Press August 27,28 & 29,2010 www.midwestsalute.comwww.midwestsalute.com Presented By Sponsored by: City of Fairview Heights; Emerson; Kassly Mortuary Ltd; Scott Credit Union; Associated Bank; Impact Strategies; Fairview Heights Animal Clinic; Greensfelder, Hemker & Gale, P.C; Community First Bank; Burger King; Holland Construction Services; Judge John & Marti Baricevic; Dennis Baricevic; Rothman Furniture; Randall Wineries; Traube Tent; Radio Disney; Dale Studios Creative Services; Belleville News Democat; Grand Rental; KMOX; Scott Landscaping; Effingers Garden Nursery; Bonnie Rafeedie Tax & Accounting; Munie Outdoor Services; Vavek Photography; Hoelscher Engineering; Chile’s; Houlihan’s; Memorial Hospital; Alternative T’s; Verizon Wireless; Fairview Heights Photography; George A. Lanxon Piling Sales, Inc. Graphic Design and Print Production: Dale Studios Creative Services • www. dalestudios.net Longacre-Moody Park • Fairview Heights, IllinoisLongacre-Moody Park • Fairview Heights, Illinois Twent y-Second MIDWEST Twent y-Second MIDWEST ; I am accustomed to and have the ability to build the final high resolution pre-press artwork as I am designing a project. This saves vital time and resources on the production end of the project. 12 A s s e t s • w w w. f n b s t a u n t o n . c o m w w w. f n b s t a u n t o n . c o m • A s s e t s 13 Getting PersonalThe Basics of an Unsecured Loan S Looking for a little extra cash? ome consumers who find they need a small amount to fix the car, buy a new washing machine or make a down payment on Ju- nior’s braces are passing up home equity loans or credit card charges in favor of small, closed-end, unse- cured loans. “It’s a growing type of loan,” says Jane C. Yao, managing direc- tor for surveys and statistics for the American Bankers Association, a banking trade group. According to the organization’s latest data, such loans make up more than one-fifth (22.1 percent) of the nonmortgage installment loans on the books at the nation’s banks, up from 10.9 percent in 1998. “It’s a product that banks are finding a demand for in the mar- ket,” says Yao. In spite of that, unsecured loans are not that popular with banks, says Fritz Elmendorf, vice president of communications with Consumer Bankers Association. “It’s not a very profitable product -- a $2,000 installment loan.” Instead, he says, the preference has been for credit card products. “It creates a lasting relationship with the customer,” he says. But using a credit card, which typically carries a much higher rate for a short-term loan is probably not the best option for the typical consumer, says Gail Hillebrand, senior attorney with the West Coast regional office of the Consumers Union of the U.S., publishers of Consumer Reports magazine. “The problem is you need a lot of discipline to use a credit card as a loan,” she says. “Pay the minimum payment and you won’t pay it off for decades.” And treating the transaction like a loan, figuring out the payment needed to pay it off in a set time period, “is very hard for people to set up and maintain.” Shopping Around First things first. Decide how much money you really need. Better question -- what’s the least amount that will get you through? And have you considered other alternatives to borrowing? “Look at your credit situation already,” says Hillebrand. “It’s a good time to be cautious about taking out more credit. In this economy, most households have too much credit already.” Once you decide how much you need, start shopping. Use Bankrate. com’s personal loan search engine to compare rates. “Terms vary considerably,” says Mike Schenk, vice president of eco- nomics and statistics for the Credit Union National Association, an um- brella group for the country’s credit unions. “So it’s best for consumers to shop around.” His advice: “Call around. Find out what the terms are. A lot of people might not think of financial institutions [like banks and credit unions.] Instead, their first stop might be a payday lender, and they have considerable rates.” Talk terms So what kind of rates can you expect to see? Terms on two-year bank personal loans are averaging above 11.8 percent, according to the most recent (February 2004) numbers from the Federal Reserve. But Hillebrand believes that credit unions might have an edge over banks when it comes to small loans. “I would always start with credit unions,” she says. “They have bet- ter rates and less abusive terms.” Ninety-six percent of credit unions offer short-term unsecured loans -- and more than half (60 per- cent) will make loans for amounts less than $500, according to figures from CUNA. The average amount borrowed is roughly $2,300. In addition, at least one-fifth of credit unions will make loans under $500 with just “a limited credit check,” says Schenk. If you’re looking for a loan, here’s a quick shopping list: 1. “Look at the total cost of the credit -- not just the monthly payments,” says Hillebrand. And “a lower monthly payment is not always better.” 2. Look for hidden charges. Study all the associated fees. Things to look for: credit insur- ance, buying clubs and any other extra fees. If you don’t understand it, have the loan officer explain the charge. “Look at each of the item- ized [charges] and ask about it,” she says. 3. And finally, if what you’re being told by the loan officer is dif- ferent from what’s in your contract -- walk. Once you sign, promises from a loan officer, who may or may not be working at the institu- tion next week, are meaningless. What counts is what’s in writing. And when it comes to loans, bigger is not always better. Busch Gardens Williamsburg Brochure Art Fair Poster 2 page spread for a financial publication Identity • Print • Illustration • Promotions • Mobile • High Res Identity • Print • Illustration • Promotions • Mobile • High Res
- 4. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Digital Illustration Promotional ad for the Pillsbury National Kid’s Bake-off to be held at SeaWorld Orlando. Shamu Cookie is jumping out of milk in illustration. Final high resolution illustration and compositing done in Adobe Photoshop. Initial Adobe Illustrator cookie illustration Depth and textures added in Adobe Photoshop Banner Stand Illustration, Adobe Illustrator Hearts on Fire Illustration, Adobe Photoshop Identity • Print • Illustration • Promotions • Mobile • High Res Identity • Print • Illustration • Promotions • Mobile • High Res
- 5. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Promotions Poster and hangtag for SeaWorld annual passholders Beringer Case Card POP and CD Promotion Point of Purchase concept for Michelob Light Sting concert promotional poster Identity • Print • Illustration • Promotions • Mobile • High Res Identity • Print • Illustration • Promotions • Mobile • High Res
- 6. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Mobile Marketing Spoiler Top View This Shamu Cruiser vehicle was concept vehicle for Busch Entertainment SeaWorld Park’s successful mobile marketing campaign. I was tasked with the initial concepting and supervising of the first vehicle. I designed this Delta Airlines Mini Cooper when I worked at Craftsmen Industries. Initial Adobe Illustrator concept for Shamu Cruiser Identity • Print • Illustration • Promotions • Mobile • High Res Identity • Print • Illustration • Promotions • Mobile • High Res
- 7. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are High Resolution Digital Compositing This is a 50 foot by 9 foot digital wallcovering for a dentist office waiting room in Florida. Identity • Print • Illustration • Promotions • Mobile • High Res This is a 40 foot by 9 foot digital wallcovering for the same dentist office video game waiting room. These are custom vinyl wraps I designed for Bass Pro Shops, Professional BASS Tournament Team. Each of these high resolution files was over 1gb in size. Identity • Print • Illustration • Promotions • Mobile • High Res
- 8. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Having always been a rock hound, I had a curiosity and a desire to learn how to create objects of beauty out of seemingly ordinary rocks that you might find, even in your landscaping. Lapidary is a very tactual, hands on procedure using wet diamond saws and wet grinders to freehand cut, shape and polish semi-precious materials into cabochons and ultimately jewelry. At Dale Studios, my wife Diane and I handcraft custom artwork in the form of fused glass, lampwork glass beads, stained glass and natural stone & glass jewelry. Lapidary & Glass Visit our ETSY store & like DaleStudios on Facebook!
- 9. When we depressurizeyour home we can digitally determine the volume of air leaks you have and show you the amount of air tightness we achieved afterwards.
- 10. cdale@dalestudios.net • 429N. Ranger Trail • Gilbert, AZ 85234 • 480-589-0606 Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Graphic Design • Lapidary & Glass • Home Tech Pro • Who We Are Hello, we are Charles and Diane Dale. DaleStudios.net is a way for Diane and I to consolidate our interests into One format. Stained Glass, Fused Glass, Lampwork Glass Beads, Natural Stone and Sterling Silver Jewelry, Graphic Design, Herbal Products. dalestudios.net Please like us on Facebook and visit our ETSY store! Hello, we are Charles and Diane Dale. DaleStudios.net is a way for Diane and I to consolidate our interests into one format. Stained Glass, Fused Glass, Lampwork Glass Beads, Natural Stone and Sterling Silver Jewelry, Graphic Design and Herbal Products. dalestudios.net Please like us on Facebook and visit our ETSY store!