Boys and their toys! Not, I really mean toys. I met a 45 year old guy recently that is very into “collectible” toys. He buys a variety of action figures and all of the accoutrements that go with them. He believes in his heart that one day they will be worth a lot more that he has paid for them. There in lies the problem. They are only worth what someone is willing to pay for them no matter what you may think they are worth. If another collector offers a valid price that is not anywhere near what you thought you could get, then you may have dust collectors vs. collectibles.
Another problem that my new friend has is he did not pay cash for any of his collectibles. He is charging every purchase and not paying his charge bill in full when he receives it. As you can imagine, this is causing friction between him and his wife. In my opinion, this is not good consumer debt. There is not a vehicle, house, or education backing the money that is being borrowed. There is only a dream. Spending money on what you deem to be a collectible might make for a great hobby. It is one that has to be funded with cash.

disclosures:http://www.hechteffect.net/?page_id=31