Yes the Holiday Season is upon us and everyone is in good cheer and merriment abounds. Howeevr with the economy in the dumps, the question is if there is a way to give quality and meaningful gifts without breaking the bank? Yes, to see how, read on....
Everyday we are assaulted by Specials and commercial messages that tell us we need to spend, spend, spend to make our loved ones love us back. Materialism is the message of the advertisers and if they are to be believed (NOT!) that is the meaning of the season.
Ah but intelligent people know better, but still we are ingrained that the season does require the exchanging or giving of gifts, no matter which Holiday you are celebrating (Christmas, Hanukkah, Kwanzaa, Festivus). And of course one must give in order to receive.
Ah but what do good budget conscience people do when money is tight or not in abundance? Well that is what thrift shops and flea markets are for. Yes if you are smart and discerning you can find wonderful gifts at places like the goodwill, Salvation Army and other similar stores.
Most of these stores I have gone through have aisles and aisles of toys, electronics, books, and knick knacks to rival any boutique one finds in the malls. Depending upon the area you live, there are usually dozens of sports related memorabilia from Jerseys, hats all the way to clocks and videos of one's favorite teams.
Baby clothes are another item that is in abundance and one can find a wonderful selection, just take care and a god look as sometimes things get by with nasty stains. But usually those items are rejected at the inspection phase before making it out to the sales floor.
It is amazing how many rare books I have come across in my ventures. One of my favorites is a History of World War I published in 1919, a year after the war was over. It included commentary from General Pershing, and a few other dignitaries of the day. Of course the language used to describe the vanquished nations was a bit harsh, but it reflected the feelings of the age. It always fascinates me to read old books and I get a good laugh at the peculiarities of the language and thoughts of the times (I am sure someone in the future is going to be repeating this about the foolishness of our beliefs and political/editorial writings as well).
Other great items I have found include old videos, cassettes, LP's and CD's that have enhanced my collections. If you have a person on your list that is into these it is amazing the treasure store of classic media that awaits. Of course you might have to go to the electronics section and pick up a VCR, Record Player or Cassette tape player to go along, but it will be worth it to see the joy in their faces of a memory long forgotten revealed.
Camera buffs will also be amazed at what ends up in these stores. I have a nice collection of old cameras and other photography equipment that still work (but finding film for a Kodak Brownie is difficult) and are basically collectors items.
Computer equipment is another matter, and usually the monitors and boxes are obsolete and unless someone is a die hard collector, or a nostalgic gamer, they are pretty much not worth anything. However one can still get a decent smaller printer for those occasional letters etc. Heck I have an older Okidata Laser printer that I picked up for $10 that still works beautifully.
One thing to be wary of, if not avoided) is Women's Clothing. The speed at which women's fashions go out of style is mind boggling, and unless you find a rare coat or hat that your loved one has been pining for and can't be found anymore, then I would avoid it like the plague.
All in all Holiday Shopping doesn't have to break one's budget if done right and one shop's smart. One can save money without being a “Scrooge” and still be a hero on the appointed day of gift giving. Oh and while you're at it you just might find something special for yourself as a reward for your intelligence and generosity.
So get out there and remember, it's not what you buy, but how you buy it that counts.
We're all in this together and I'm pulling for you.
Mahalo
======================================================
It's your right to get assistance from Your Government!
Yes the government gives away billions of dollars each year to assist people like you and me for just about anything. Starting a business? Yes there is money for you. Need help with your house or health?
Yes money is available. Who is on your side? Who can guide you?
"The Inquisitive Explorer's Guide To Free Government Money Programs", That's who.
Get your share and let Uncle Sam help you. Check it out at:
http://www.renspubhouse.netii.net/marketing/govmoney.html
================================================================
Tuesday, December 8, 2009
Thursday, December 3, 2009
Finding Your Missing Funds and long-lost Money
Are you owed money by the state or any other financial institution? If you are not sure, how does one go about finding out if they are? How does one make a claim? Read on for more information and a special offer for a manual that will show you how to recover your lost property.
According to one state, it's inhabitants are owed more than $110 million by the state treasury's unclaimed property department. Unclaimed finances can be easily obtained from the state holding it. The only way to know if you are beholden money is to learn the proper ways to perform a thorough search and explore all possible claims.
Unclaimed property (sometimes referred to as abandoned) refers to accounts in financial institutions and companies that have had no activity generated or contact with the owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler's checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities, certificates of deposit, customer over payments, utility security deposits, mineral royalty payments, and contents of safe deposit boxes.
When it comes to returning unclaimed estates to its inhabitants, the state doesn't do such a great job of reuniting these funds with their rightful owners. Many states and federal unclaimed property divisions are drastically understaffed. This restricts their abilities to regularly update there records and proactively pursue property owners. Some states are now beginning to pass laws by which assets left unclaimed after a specific number of years, that is in their custody, will not longer be claimable by the owner. It will become the property of the State. Previously there was no statute of limitation on unclaimed property. In the majority of the states that statute still stands, however, it is quickly changing. The rules concerning tangible belongings left in an abandoned Safe Deposit Box is also changing. Now, in most States, it is to be auctioned off and the proceeds credited in the owner's name. The proceeds amount may not be listed in the database until after the auction. Some states do pay interest on the money if the property was originally an interest bearing instrument. You must check with your individual state and find out what their procedures are.
Isn't it time you checked to see if you have unclaimed money due you? You can do it yourself, if you know how.
For those that can't or don't want to take on the task themselves, there are companies that will do the searching for you. Sometimes called heir finders or asset locators, the firms help reunite owners with their property for a fee.
Be sure you are dealing with a reputable company. One way to tell is legitimate companies will never ask for payment before the property is returned to the rightful owner and whatever they charge is generally a percentage of the money to be returned, not a flat fee. Also, if the company contacted you, before requesting you sign anything, they will be able to identify the property and verify that it's yours.
I am sure as you read you have some question regarding the validity of the amount of unclaimed money and property available; Could some of this be yours? Most likely it is. Are you interested in finding out for sure?
Property is considered abandoned if there has been no activity on it for more than three years. There are nearly half a trillion dollars in undeclared estates and lost money waiting for you in your state war chest There is a opportunity that some of it belongs to you. You and many many others have an interest in what happens to all of this lost money. Are you going to receive your inheritance or be a loser and refuse to do something with the multitude of the services that your state offers? Are you going to claim your lost money?
Look below for a special deal on a manual that will show you how to claim your money, and start a business to help others do the same.
Come back next time for more tricks, tips and techniques to assist you in living the champagne life on a beer budget. Remember, we're all in this together and I'm pulling for you.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
According to one state, it's inhabitants are owed more than $110 million by the state treasury's unclaimed property department. Unclaimed finances can be easily obtained from the state holding it. The only way to know if you are beholden money is to learn the proper ways to perform a thorough search and explore all possible claims.
Unclaimed property (sometimes referred to as abandoned) refers to accounts in financial institutions and companies that have had no activity generated or contact with the owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler's checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities, certificates of deposit, customer over payments, utility security deposits, mineral royalty payments, and contents of safe deposit boxes.
When it comes to returning unclaimed estates to its inhabitants, the state doesn't do such a great job of reuniting these funds with their rightful owners. Many states and federal unclaimed property divisions are drastically understaffed. This restricts their abilities to regularly update there records and proactively pursue property owners. Some states are now beginning to pass laws by which assets left unclaimed after a specific number of years, that is in their custody, will not longer be claimable by the owner. It will become the property of the State. Previously there was no statute of limitation on unclaimed property. In the majority of the states that statute still stands, however, it is quickly changing. The rules concerning tangible belongings left in an abandoned Safe Deposit Box is also changing. Now, in most States, it is to be auctioned off and the proceeds credited in the owner's name. The proceeds amount may not be listed in the database until after the auction. Some states do pay interest on the money if the property was originally an interest bearing instrument. You must check with your individual state and find out what their procedures are.
Isn't it time you checked to see if you have unclaimed money due you? You can do it yourself, if you know how.
For those that can't or don't want to take on the task themselves, there are companies that will do the searching for you. Sometimes called heir finders or asset locators, the firms help reunite owners with their property for a fee.
Be sure you are dealing with a reputable company. One way to tell is legitimate companies will never ask for payment before the property is returned to the rightful owner and whatever they charge is generally a percentage of the money to be returned, not a flat fee. Also, if the company contacted you, before requesting you sign anything, they will be able to identify the property and verify that it's yours.
I am sure as you read you have some question regarding the validity of the amount of unclaimed money and property available; Could some of this be yours? Most likely it is. Are you interested in finding out for sure?
Property is considered abandoned if there has been no activity on it for more than three years. There are nearly half a trillion dollars in undeclared estates and lost money waiting for you in your state war chest There is a opportunity that some of it belongs to you. You and many many others have an interest in what happens to all of this lost money. Are you going to receive your inheritance or be a loser and refuse to do something with the multitude of the services that your state offers? Are you going to claim your lost money?
Look below for a special deal on a manual that will show you how to claim your money, and start a business to help others do the same.
Come back next time for more tricks, tips and techniques to assist you in living the champagne life on a beer budget. Remember, we're all in this together and I'm pulling for you.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
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