Tips to reduce credit card debt


You could even save thousand of dollars in interest just by controlling your credit card debt.  Jump-start your debt free ways with the following tips:

  • Find out first how much you owe then make a plan how long will it take to pay it all off - with the interest charge included.
  • Track your spending.  You may be surprise at where your money is going. Prepare a budget plan that slashes unnecessary spending and stick to it.
  • Don't just pay the minimum every month.
  • Never use credit card cash advances to make payments on other accounts
  • Always make payments on time.
  • Stop using credit cards, and don't open any new charge accounts.
  • Get a second job to help pay off your debts. 


Tips to determine the value of antiques, fine arts or collectibles


The value of antiques, fine arts or collectibles is determined by the willingness of someone to put value on it or generally the demand of it.  But should you decide if something is worth buying? Here are some questions that many current bidders or auction experts believe you should use.

Authenticity - Is it real?
Condition  - Is it in good shape?
Rarity - How many are produce?
Provenance - Who owned it before?
Historical Significance - What role did this piece contributed?

But still , one of the bet way to check the value of antiques, fine arts or collectibles is checking an auction site.