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Sponsored by
FREE
Graphics Resources
Animation
Factory – There’s
over 19,000 original 3D animated GIF files, all
nicely organized by category at this awesome
site. These graphics are available for free for
use on noncommercial Web pages. Categories
include bullets, buttons, alphabets, characters,
office, flags, foreign languages, holidays,
music, sports, transportation, Web elements and
more. The best collection of its kind on the Web.
FreeGraphics.com
– With a domain like
"FreeGraphics.com," this site has a lot
to live up to. And Claire Schaefferit’s site
delivers quite nicely: it’s a well-organized,
searchable database of free graphics links.
Graphics include buttons, bullets, control
panels, bars, sets, backgrounds, animations, and
more. All sites are rated and reviewed.
A-1
Icon Archive – A comprehensive archive for free
graphics on the Web. Includes animations,
backgrounds, balls, bars, lines, clip art and, of
course, icons. There’s also helpful pointers to
other graphics resources on the Web.
Leo’s
Icon Archive – Here’s a cool collection of useful
and funny free Web graphics. Leo serves up
thousands of icons, caps, lines, flags, markers,
bullets and original work. Categories here
include such topics as Mozilla icons,
butterflies, "welcome signs," and
"construction signs."
DHD
Photo Gallery – This is a nice collection of
"real-world-derived" images. Categories
include food $ drink, math, medicine $
health, natural science, flowers, textures $
surfaces, office motes, pasta, people, places,
cactus, toilets, greenery and much more.
Thumbnail images are provided for all images for
rapid searching. Free for personal and commercial
use, but check the conditions.
GifOptimizer
– A handy free
service, GifOptimizer will reduce the size of any
GIF image up to 75 percent. You can reduce either
GIFs that are online or those that are on your
hard drive. Works with animations, too.
Cool
Archive – A
nicely-designed free graphics resource, Cool
Archive offers thousands of categorized icons,
animations, buttons, bullets, backgrounds, bars,
arrows, and fonts. Coming soon: Photoshop
resources.
Pixel
Warehouse – There
is a wide range of free graphics available for
Webmasters at this site. Goodies include:
animation, spheres, separators, icons, bars,
bullets and more. Graphics topics include:
Fantasy, Fruit, Flowers, Logos, Military,
Mozilla, E-mail, Cartoons, Flags, Sports, Texas,
Holidays and Chrome. Tell Matrix we sent you.
Alphabet
Connection – Like
the title says, this unique free graphics site
offers a big roundup of letters (as well as
numbers and punctuation signs). Currently, they
have 10 animated alphabets and 30 static ones.
Everything is neatly organized, so you can find
what you need, quickly.
CoolText:
Online Logo Generator – This free service will let you
easily create cool customized logos online. Just
choose your text preference, your font and the
colors and this service will generate your
graphic quickly. Great for many uses: custom
wallpaper, Web sites, etc. Note: this
service is quite popular and as a result can be
difficult to access at times.
3D
Wallpaper – Tired
of looking at the same old desktop? Then click on
over to this breathtaking free collection of free
wallpaper images. Categories include
"Metal," "Glassy,"
"Lights," "Sci-Fi,"
"Water," and our favorite,
"Nature." A most impressive collection
of digital art from Germany.
Pofolks4
Graphics – A
free graphics resource that offers plenty of free
graphics for your Web site. Categories include
shadow effects, background sets, welcome signs,
home page signs, guestbook buttons, static $
animated buttons, bars, lines, bullets, balls,
backgrounds and more. Free custom graphics also
available.
Themes
‘n Schemes -
Great site for free Win 95 themes. Customize your
desktop to your own taste, from a
"Retro" look to something out of the
Starship Enterprise. Theme categories here range
from animals to TV to seasonal stuff to horror.
And no, you don’t need Microsoft Plus! to use
these themes as there’s a freeware program called
Free Themes that’ll install themes on your
system, which you can get here.
FreeGraphix.Net
– A new graphics site
that formerly went under the name Global Design,
this site serves up a good selection of free
graphics for most needs. There are buttons,
banners, animations, and more, as well as an
always-interesting "Daily Graphic."
There’s also a selection of "remote
controls" and interfaces that visitors can
use to navigate your site.
A+B+C
Web Graphics – This site offers many free graphics,
suitable for Web pages. Categories include 3D
balls, 3D bullets, arrows, backgrounds, banners,
bar lines, buttons (small $ large). They’ll
also customize the graphics for you (limit one
per visitor).
The
Banner Generator- If you subscribe to a banner
service, you’ll need to make up a banner, which
this site provides for free. Check out these examples. Note: WebTV
users may use The Banner Generator. Go here for details.
Wallpaper
Heaven – This
site lives up to its name. There’s over 350
background graphics here, so you’re bound to find
something that’s appropriate for your Web site.
There’s a nice preview function and you can view
thumbnail images of each background.
Dancing
Mouse Free Graphics – This free graphics site excels with
its offerings of free backgrounds, buttons and
lines. Goodies on tap here include dark $
light backgrounds, embossed backgrounds, buttons
(rectangular, round and odd-shaped) and more.
JCCR’s
Free Custom Desktop Themes – These folks will make a
custom desktop theme for you. Just give them a
few simple details (such as background image,
sounds, screen saver and fonts) and they’ll
create it for you.
Planet
Graphics – Here’s
the deal: William will designed a free custom
graphic for you if you display his banner on your
page. He offers free 3D and 2D graphics, as well
as animations.
T $ P
SC Free Web Graphics – T $ P SC, the screen saver people, now have an
up-and-coming original free graphics site. Here,
you’ll find background sets, separators, animated
E-mail images and more.
HVS GIF Cruncher – If you run a Web site, you
should make sure that your images load as quickly
as possible. This free online tool lets you
easily shrink the size of your GIF images, by up
to 90 percent, for faster loading. (It’s similar
to the excellent GIF Wizard, which was once free, but
now charges). Better hurry on this one, it won’t
be free forever.
Themez
– An excellent
resource for free desktop "themes"
(which you can use to give your Windows desktop a
customized look). This site has over 2,600
themes. Categories include animals, anime, art,
cartoons, computers, games, holidays, horror,
movies, music, nature, people, places, sci-fi,
sports, TV, vehicles and more.
Free Grafix – Here’s
a nice free graphics site with plenty of goodies
to spice up your Web pages and presentations.
Examples include Metallic Textures, Gold Edge
Shapes, Fuzzy Shapes, Third Shift Animations,
Floral Borders and more. Categories include
textures for backgrounds, buttons, rules, balls,
shapes and animations. There’s also an
"Animation of the Week."
UFOs Graphics Mania – This site offers plenty of free
graphics, including buttons, bars, matched
graphics sets, and a free header and logo
creation service. They don’t do banner exchange
graphics, but they do offer nice page headers,
awards, etc. matched to the requester’s Web
pages. Turnaround time is "roughly 10
minutes to 24 hours." They have a nice free
font selection, too.
ZyGraphics free graphics services – ZyGraphics lets you create
you own personalised graphics for your site. No
graphic or artistic design experience is
required. ZyGrahpics allows a near infinite range
of high quality text and 3D graphic headings to
be produced in seconds.
Animations Paradise – This German site offers more than
1,500 free GIF animations, conveniently broken
down by category. The graphics are optimized for
faster loading. The site has a helpful search
engine to help you locate what you need.
Digital
Blasphemy – If
you’re getting tired of looking at Windows’ lame
default wallpaper, then click over to artist Ryan
Bliss’ site for an awesome selection of free
wallpaper art. There’s all kinds of eye-popping,
original images here, including surreal images,
lovely outer space scenes and abstract stuff.
Sample images from Task Force Clipart – Here you can download
graphics, multimedia samples, patches and more.
There’s icons, bullets, bars, animated GIFs for
PC users and lots of full-color EPS images for
Mac users.
freeimages.com – This is an impressive collection of
free graphics on the Web. freeimages.com features
all-original clipart, including backgrounds,
buttons, icons, bars, and digital art. There’s
also a cool "Digital Images" collection
that features eye-catching art in unique
categories, including "Aliens $
Spaceships," "Creepy Crawlies,"
"Frost $ Fire,"
"Spirals," "Dark Fantasy,"
and more.
KorCar Graphics – Free bars, bullets, buttons and
backgrounds. Also offers free animated and static
banners (a must if you’ve signed up for a banner service to promote your site).
Andy’s
Art Attack -
Andy Evans’ 300-plus page site offers resources
for free and original GIF animations, buttons and
backgrounds, as well as HTML tips. A mind-blowing
site, with some of the most creative art that
we’ve seen anywhere. Andy also serves up tips for
using Adobe Illustrator and Photoshop. Also be
sure to check out the "Daily Download"
which serves up a different button, animation or
counter digit each day.
ASCII Art Gallery – Here’s a graphics site with a twist:
it features ASCII art only. Now, I hear you
saying, "But ASCII art is boring!"
Well, obviously you haven’t viewed the
masterpieces that Joan Stark has turned out.
There’s some pretty amazing stuff here, available
for "personal use." Categories include:
cartoon characters, animals, seasonal items,
animations (!) and more.
Eirin’s Gradient Backgrounds – If you’re looking for
gradient backgrounds (those that fade from one
color into another), this is the place to go.
This site contains contains red, dark blue,
purple. light green, yellow, and orange
backgrounds. Each gradient color background is
sampled in a .GIF format.
The Doodle-Kids Page – This site offers free original Web
graphics for children’s (or grownup’s) pages.
There’s a nice selection of animated words (signs
and banners), animated people and cyberpets,
angels, animals and custom graphics. They also
offer matched background sets, sample Web site
graphics idea pages and an image search engine.
Bonedanz Graphics – This site features hundreds of free
unique and unusual Web page backgrounds. Many of
these images also look fine when displayed as
desktop wallpaper, when tiled. Bonedanz also
offers animated buttons, 3D buttons and more.
Web
Graphics on a Budget – A helpful site that offers
tuturials on using Paint Shop Pro. Learn how to make
backgrounds, fancy text, buttons, frames for
graphics and more, just like the pros.
Octagamm’s Ball Boutique – A good resource for spheres,
orbs, round things, alphabets, animations,
backgrounds, ovals and cubes, buttons, words and
more. Intended for use in noncommercial pages.
Cats ‘n’ Kittens’ Designs – Do you like cats? Here’s a
nice collection of free feline-related graphics.
Many of the images have been "adapted"
from stickers, old postcards and children’s books
or clipart.
Xoom Web Clip Empire – Over 50,000 free animated GIFs,
buttons, bullets, backgrounds, textures,
3D-icons, photos, sound effects, photos, music
clips, and vector clips (EPS and WM).
netCREATORS Icon Page – Featuring over 230 animated GIFs,
and a total of 720 images. Categories include 3D
objects, cartoons, "Under Construction"
icons, page dividers, E-mail icons, text
animations, human-related icons, backgrounds,
balls, bars and much more.
Wallpaper Madness – This site is offering free Windows
wallpaper. Categories include sports and cinema.
Free Backgrounds – Lots of great backgrounds here from
the talented Renee. They’re 256 x 256 pixels in
size and are in JPG format.
Boogie
Jack’s Graphics – This site offers free original Web
page backgrounds and textures, as well as a
contest to win free custom graphics and photo
warps.
Aviation Animation – If you’re interested in animated
graphics with aviation themes, this is the place
to go.
The Digital Alchemist – Lots of resources here, including a
Bryce gallery, free original animated gifs, photo
restorations, links and more.
Jason’s Animation Outpost – Comprehensive free graphics
animations site, with lots of content organized
by categories, which include animals, people,
buttons, bars, arrows, balls, cartoons,
construction, email, space, signs, vehicles, new,
welcome, other, 3D, neon and holiday-related
stuff.
Animation Library – Lots of graphics goodies here,
including arrows, bars $ lines, bullets, cats
$ kittens, dogs, computers, counters, E-mail
icons, smiling faces, "under
construction" signs, the word
"new," welcome signs, etc.
The
Alien Cursor Page – Animated Alien-themed cursors for
Windows 95. Liven up your hourglass with this
cool freeware.
Animation City – Free image, word and wire frame
animations here. Cool stuff.
Pattern Land – - Over 500 background patterns for
your Web pages. Fully tiled pages available for
each image. Wide selection.
Get a Byte Graphics – Lots of backgrounds here for your
Web site from Jennifer Johnson. Also Web
designers’ resources.
Mike’s
World – This
is a helpful site for Web page designers and
serves up plenty of free graphics. Images are
arranged by category and include: animals,
backgrounds, business, city, food, holiday
themes, household, insects, interfaces,
landmarks, music, recreation and technology.
Free Web
Graphics by Pam Bytes – This site has a big collection of
free and ORIGINAL Web graphics and is constantly
updated. Here you will find backgrounds, buttons,
texture fills, banners, page themes and border
patterns. Currently there are over 1000 images.
There’s also tuturials on topics such as
"How to add text to buttons with Paint Shop Pro."
Caboodles
Clip Art – Helpful
clip art resource, with a handy search engine to
help you find what you need. There’s also a cool
animated GIF section. While you’re there, get
yourself a free animated mailbox with your name
on it!

This article is not completely accurate. It implies that rental homes or homes purchased for investment purposes would be affected by this possible change. Rental homes would not be considered a “second home” subject to this change – they are in a different category under tax laws than a second home used as vacation property. Homes bought as an investment and not for personal use are also in a different tax category. On my local radio station, I heard one of your representatives discussing this subject, and she also talked about people buying multiple homes. The only personal home interest currently deductible is for one second home, not multiple additional homes. I can’t help but wonder if the two errors were politically motivated. The target of the change is not rental or investment properties, and to construe it that way is irresponsible.

I’ve always though mortgage deductions for secondary home did not make much sense. I was an unfair tax brake because it was only available to the wealthy who could afford it and decided that they wanted a government supported perk and a subsidy to boost the construction industry.
Tax simplification means that even favored perk should be cut to make taxes even across similar levels of income and government subsidies are not hidden in the tax code.

Most high net worth individuals will buy a second or third property with cash anyway so the elimination of the mortgage deduction for these type of investors will be a non event.