Is Your Trash Cash? 5 Easy Places to Sell Your StuffWritten by Karen Fritscher-Porter
The old adage that says "one person's trash is another person's treasure" never goes out of date. So when you're looking for some extra spending cash and you want to make some space in your home, combine two endeavors by selling your stuff instead of donating it or trashing it. Use extra cash to pay a bill or start a holiday gift fund. Even better, use windfall to treat yourself to a weekend getaway! Plenty of people and places exist to buy what you could be selling instead of giving away or trashing. Here are some places where you can sell your stuff:
ANTIQUE DEALERS AND COLLECTORS: Sell anything from old coins and costume jewelry to old records and toys that are in great shape to dealers. And sometimes not so great shape. I got several offers for an old hand-me down jeweled pocket watch, even with its bit of chipped paint. Dealers often resell your item to make themselves a profit. The telephone book yellow pages yields names of area antique dealers or check local newspaper classified ads under "wanted to buy" sections. Be sure to get more than one quote or appraisal before you sell it.
FLEA MARKETS: Got a bunch of stuff to sell like books, video tapes, figurines, fake (or real) potted plants, even clothing in good shape? Rent a booth at nearest flea market that generates a lot of traffic. Often just $5 - $15 rents a space with a table. Visit first to scope out best booth for your bucks. Perhaps even bring your own additional tables, shelves or hanging clothes racks. A sheet or cheap tablecloth will dress up your flea market table too (Sometimes good displays attract more shoppers!). Don't forget lawn chair and $20 in small bills for change. And flea market shoppers like to haggle. So inflate your prices just a bit so they can strike a bargain with you. It's expected!
CLASSIFIED ADS: Make room for new couch by selling old one in your local freebie paper, especially if you're in a college town. Used furnishings are hot sale items to students. I once netted $200 bucks for a small quaint and deteriorating three piece wood bedroom drawer set someone gave me a few years back. I placed an ad in local "Pennysaver" newspaper for just a few bucks, and dozens of potential buyers called almost immediately. It sold in two days (to a furniture design graduate student who wanted to restore furniture).
5 things pensioners applying for a loan should rememberWritten by Nicholas Cameron
Are you a pensioner applying for a loan? Here are 5 things you should remember
As a pensioner, applying for loans and finance can be problematic. Some of best deals in market may be unavailable to you because you do not meet ideal criteria that lenders look for. For example, because of your situation you may no longer be able to generate income. To make up for this, you need to make sure that other aspects of your loan application are presented strongly to allow you to obtain loan most suited to you.
Your age may make you a credit risk
In general, main thing that lenders consider when reviewing a credit application is risk. Your credit history, income and age may all point to you being a high credit risk and lenders may consequently decline your application. Because of these factors, senior citizens and pensioners may experience greater difficulty in obtaining a loan. However, if you can show that you are able to service your loan for duration of term, or even prepay interest, you still have a good chance of succeeding in your application.
You need to demonstrate loan serviceability in your application
Regardless of your age and employment status, main thing you need to show is that you can actually pay back loan you wish to take out. If lender decides that you will have no difficulty making scheduled repayments for term of loan, you will probably be successful in your application. Any information you can provide regarding your assets and income will obviously be relevant.