Archive for the ‘Public Relations’ Category

Find Hidden Treasures In Your House}

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Submitted by: Auggie Falzarano

Find Hidden Treasures in your House

Do you have any valuables lying around your house? In today’s economy people are looking for ways to get ahead although most often forget or simply don’t know that they could have valuable items long forgotten in their attic, cellar or storage places. Many items we thought as toys or ‘knick-knacks’ years ago could actually be worth something today. What any of it is worth depends on the demand and frankly, who’s collecting it. A website has been collecting and displaying items trying to figure out the worth of these forgotten gems. Whatitsworthnow.com was started because a father and son team decided that some items they had collected over the years needed to go, although they thought they could be worth something to right person. Auggie Falzarano, knowing a little bit about building websites thought it would be a good idea to post these items online and get opinions of other enthusiasts. What him and his father Bart found was that other were trying to figure out the same thing.

“We started getting comments on items that people were looking for the value just as we were.” Auggie explained. That’s when they decided to start researching the items to figure out what they could on their own. Many items are still a mystery as to their worth although they have found some values for plenty of others. Bart told us about a collector in France, ” We got an email asking us to remove the foil from our Millennium Korbel Champagne just to see the metal ‘cap’ that covered the cork. This French Champagne ‘cap’ collector even sent us $200 just for us to pull the foil off and see if it was the cap he was searching for. I turned out it wasn’t. He told us to keep the money for our trouble and our now unsellable bottle of Korbel Champagne.”

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The website grows almost daily with new posts and new visitors sending in their items asking Auggie and Bart to find out what they are worth. “When we get an email with pictures and descriptions of items, we post them to the website. Right now we do it all for free. I think eventually we will need to charge to post other people’s items simply because we are starting to get a lot of people sending in stuff.” You send your items in to get posted and hopefully valued at post@whatitsworthnow.com. For Example;

1.1996 Olympic Budweiser Neon Sign

Here is a 1996 Olympic Budweiser neon sign. On the sign is printed; 1995 Item #053-738. Then in another place then the date 1-9-1996 is printed on a sticker. This is obviously a 1996 USA Olympic Games sign in Atlanta.

Considering this was made specifically to show that Anheuser-Buschs sponsorship/support of the 1996 Olympic Games, I would think this will be worth more than a standard Budweiser sign. Any Olympic Games Neon sign collectors?

2.Vice Presidential Bowl

Shaun found this bowl among his mothers things. Funny what you can find just laying around! Its stamped with the Seal of the Vice President of the United States of America and the initials HHH which is most likely for Hubert Horatio Humphrey. That would date this bowl back to the 1960?s when he was the Vice President.The bowl is oddly shaped and is about 10 1/2? in length, 6 3/4? in width and about 5? in height. You can see the glass is thick and makes this bowl heavy. Thanks for sending this in Shaun!

About the Author: I don’t collect antiques, I try to find the value of them and Collections that are not mainstream, they are more personal or rare. I try to find the worth of collectibles that are not found in books or talked about at tradeshows.

whatitsworthnow.com/

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Learn The Pros And Cons Of Debt Settlement And Debt Consolidation

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By Gregory DeVictor

The average American family has 12 credit cards and nearly $10,000 in credit-card debt. More than half of these households have difficulty making the minimum monthly payments, and many are using plastic to cover daily living expenses such as food, gasoline, co-payments for doctor visits and prescriptions, personal care items, and even the morning latte. Late fees and over-the-limit fees are increasing, and more and more households are missing one or more payments altogether.

If you have too much credit card debt, now might be the time to stop this destructive cycle and get the help you need from a debt settlement or debt consolidation program. This article discusses the pros and cons of debt settlement and debt consolidation.

Making the Minimum Monthly Payments

If you want to become debt free by making the minimum monthly payments, think again! There are no advantages to this form of debt reduction. For example, if you have $15,000 of credit card debt with three banks at a blended interest rate of 18%, it will take you 382 months to get out of debt by making the minimum monthly payments. That’s nearly 32 years! And what’s even worse, you will pay $21,923.06 in interest, in addition to the $15,000 that you already owe. That’s a grand total of $36,923.06!

Debt Settlement or Debt Negotiation

With debt settlement, negotiators communicate with creditor(s) on your behalf to settle your balances to “reduced and agreed-to” amounts. Once you enroll in a program, your debt negotiation team opens a trust account for you. You must deposit a portion of your outstanding debt (usually 50%) into the account over a specified time period (generally 2 – 4 years). Once the required amount has been deposited, your debt negotiators communicate with your creditors to settle your balances to lower amounts.

Pros of Debt Settlement

1. You make one monthly payment to a trust account, and get out of debt much faster than by making the minimum monthly payments or by using debt consolidation. With debt negotiation, you save the most time and money.

2. Consumers who have used debt settlement report that they have saved anywhere from 30% to 70% on their outstanding debt. However, results vary from person to person.

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3. Debt settlement works best for those who have $10,000 or more in credit card and/or other unsecured debt, such as medical expenses. Why? Most debt negotiation companies require $10,000 or more of unsecured debt to qualify for their services.

Cons of Debt Settlement

1. You can no longer bank (checking, money market, etc.) with any of the credit card companies that are part of your debt settlement. The creditor might seize your assets as part of their own collection activity.

2. Debt settlement can adversely affect your credit score.

3. Although you have enrolled in a debt settlement program, calls and letters from creditors and collection agencies might continue. Typically, your negotiation team notifies all of your creditors that you have enrolled in their program. However, participation in debt settlement does not necessarily stop “lawful collection activities.”

4. Occasionally, a creditor might refuse to negotiate with your debt resolution team. In such cases, you are responsible for the repayment of the debt on the creditor’s terms.

5. In addition to the money that you deposit into a trust fund, you must pay a fee to the debt resolution company for its services. This can be as high as 50% of the settled amount.

Debt Consolidation or Interest-Rate Arbitration

Suppose that you have $30,000 of credit card debt with ten banks at a blended interest rate of 22%. By only making the minimum monthly payments, it will take you 137 months (11 years and 5 months) to get out of debt. And what’s even worse, you will pay a total of $52,068.00 in interest, in addition to the $30,000 that you already owe. That’s a grand total of $82,068.00!

Using this example, debt consolidation can significantly reduce the potential of $82,068.00 of indebtedness. So, let’s proceed to how it works.

Debt consolidation takes your high-interest credit cards and blends them into one, lower-interest monthly payment that you can afford. The payment is made to a debt consolidator, who sends the funds to your creditors.

Using the example above, let’s say that a debt consolidator negotiated a new blended interest rate of 12% on your credit card balances. By making a $500 fixed payment every month, it will take you 93 months (7 years and 9 months) to pay off your existing balance. You will pay $16,043.43 in interest, as opposed to $52,068.00 by making the minimum monthly payments.

Pros of Debt Consolidation

1. The amount of interest that you pay over the long term is markedly reduced.

2. Late fees and over-the-limit fees are usually eliminated.

3. Unlike bankruptcy, debt consolidation is not a public record.

4. Debt consolidation works best for consumers who have less than $10,000 in credit card debt. Why? The majority of debt settlement companies require a minimum of $10,000 of credit card and/or other unsecured debt to qualify for their services.

5. If your accounts have been past due, many creditors will reflect your accounts as current after 1-3 consecutive payments.

Cons of Debt Consolidation

1. Unlike debt settlement, debt consolidation does not lower the balances that are owed on your credit card accounts. There is only a reduction in interest rates, and the elimination of late fees and over-the-balance fees.

2. If you want to save the most time and money, debt consolidation is not the answer. Consider debt settlement.

Debt settlement and debt consolidation have worked remarkably well for thousands of people over the years. But like anything worthwhile, personal commitment is required. For example, you might want to get a handle on your spending habits. Write down everything you spend for a month, and make saving money a top priority. Get a cheaper cell phone plan, use free online bill pay instead of postage stamps, switch to basic cable, cut out the daily latte, watch bank fees, and so forth.

About the Author: As a debt settlement consultant, Gregory DeVictor understands the process of debt negotiation. Learn how to become debt free in 2012 with the help of a trusted and FTC-compliant debt settlement company.

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