Phantom Of The Opera
We’ve all heard about the Phantom of the Opera and the movie Phantom Tollbooth, but how about the Phantom Car? Not the Rolls Royce Phantom either, but one of thousands of driver-less cars that exist only as memories in the mind’s of their owners yet are still listed as assets on the balance sheets of finance companies.
The circumstances that contribute to the metamorphosis from physical to phantom car ownership are the total loss of a vehicle combined with the failure of the insurance settlement to cover the entire outstanding loan balance. In other words, you’re stuck making car payments on a vehicle that no longer exists.
Although no statistics are available for the exact number of phantom cars floating around, it’s safe to say that just about everybody knows, or has heard of, someone is this predicament.
The principal causes of phantom car ownership are a combination of rapid vehicle depreciation and increasingly liberal loan terms.
Between 2000 and 2008 the average weighted maturity of a new car loan increased from 52 months to almost 63 months with many of these same loans of the zero down variety. What this leads to is an increase in the total amount of interest paid which in turn delays the build up of equity in the vehicle. So on a typical 5 year loan the principal remains virtually unchanged for the first year of the loan.
When the absence of equity build up is coupled with the instant devaluation, or depreciation, that occurs when a new car is driven off the dealer’s lot, a deficit develops between the actual cash value of the car and remaining loan balance.
This condition is especially prevalent during the first two years of car ownership and it would not be unusual if the owner of a vehicle owed five or six thousand dollars more than the vehicle is actually worth.
If a total loss should occur during this time period when insurance coverage lags behind the actual cash value of the vehicle, an unprepared consumer could well be driving, or not, a Phantom Car.
You can steer clear of the Phantom Car phenomenon and avoid dual car payments with a reasonable, one time investment in additional coverage.
Music of the Night
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Russian Imperial”Phantom of the Opera”Music Egg &Cross $1,179.00 |
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Andrew Lloyd Webber’s The Phantom of the Opera (DVD, 2005, Full Frame) $0.99 |
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Two McFarlane Monster Playsets The Mummy + The Phantom of the Opera-BRAND NEW $55.00 |
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NIB Monster High Operetta Daughter of Phantom of the Opera $34.99 |
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Collectors Edition 3CD + Bonus DVD Phantom of the Opera w/ Music & Magic Webber $14.99 |
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NEW The Phantom of the Opera the Original Novel – Lerou $6.55 |
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2 PREMIUM TICKETS TO PHANTOM OF THE OPERA LAS VEGAS SPECTACULAR $150.49 |
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Phantom Of The Opera Robert Englund Jill Schoelen Alex Hyde-White Bill Nighy VHS $5.25 |
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Deluxe Phantom Of The Opera Half Face Mask Masquerade Masked Ball Fancy Dress $7.78 |
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MONSTER HIGH OPERETTA DAUGHTER OF THE PHANTOM OF OPERA NIB IN HAND READY TO SHIP $45.00 |
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Lot 2 cassette tapes The Phantom of the Opera The Original Cast Recording 2 Acts $5.00 |
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The phantom of the opera Lon Chaney movie poster print $3.99 |
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PHANTOM OF THE OPERA – (1943, BETA MOVIE) – NELSON EDDY $4.99 |
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Sexy Phantom of the Opera Pinup, classic horror, female, golden era, photo, art $9.99 |
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‘78 WALTER MURPHY LP Phantom Of The Opera $5.00 |
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Phantom of the Opera, Theatre Programme – Earl Carpenter, Rachel Barrell Shannon $1.56 |
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Phantom of the Opera Mask Deluxe White Masquerade Mask Theater Costume Accessory $4.99 |
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Phantom Of The Opera / O.S.T. (Bonus Cd) (Coll) Phantom Of The Opera / O.S.T. (B $17.67 |
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The Phantom Of The Opera, Gaston Leroux 9 audio CDs $13.00 |
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LULLABY OF THE BELLS Rare Film sheet music-1943 original PHANTOM OF THE OPERA $31.43 |
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Phantom of The Opera 9 Piece Italian Charm &Custom Name $12.99 |
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Andrew Lloyd Webber’s The Phantom of the Opera (Blu-… $14.99 |
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Phantom of the Opera SF Music Box co. – Mirror Scene $50.00 |
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MONSTER HIGH OPERETTA DAUGHTER OF THE PHANTOM OF THE OPERA w/ PET SPIDER NIB $19.99 |
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MINT The Complete Phantom of the Opera George Perry hc+ Switchblade Symphony DVD $29.97 |
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Movie Character Headknockers (Bobble Heads) $25.99 |
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Phantom of the Opera, The (The Oxford Bookworms Library Level 1 Stage 1 400 Wo.. $10.99 |
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PLAYBILL MAJESTIC THEATRE SEPT. 1990 VOL. 90 NO. 9 BOOK PHANTOM OF THE OPERA $20.00 |
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1943 Oscar Horror Classic “Phantom of the Opera” ECO $3.65 |
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ALL NATURAL phantoms of the opera 12″ AN 002 VG+ $30.00 |
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The Phantom of the Opera (HD DVD, 2006, Special EditioN $15.00 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $16.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $16.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $16.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $16.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.99 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $21.50 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.50 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $21.50 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.50 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $21.50 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $18.50 |
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Lon Chaney Phantom of the Opera Man of 1k Faces Horror $21.50 |
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1998 McFarlane Phantom of the Opera 1:18 Scale Diorama Cobra Destro MOC $25.00 |
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Phantom Of The Opera 8×10 photo signed by 2 rp SEXY&NEW $6.99 |
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Andrew Lloyd Webber’s The Phantom of the Opera (Blu-ray Disc, 2006) $4.99 |
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M&M’s Candy Of The Opera Mug $24.99 Very rare Phantom Of The Opera related M&M’s ceramic mug… |
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Phantom Of The Opera 1988 Coffee Cup No Colorful Box Was Made $19.95 … |
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Phantom of the Opera – Opera house Lighted waterglobe The Phantom and Christine revolve around an illuminated Opera House, which sits over the entrance to the Lair. Requires 2 AA batteries, not included. Tune: “Music of the Night” Size: 6.4″ L x 6.4″ W x 5.8″ H… |
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The Phantom of the Opera at the Royal Albert Hall [Blu-ray] $19.00 Let the spectacle astound you! In celebration of the 25th Anniversary of Andrew Lloyd Webber’s The Phantom of the Opera, Cameron Mackintosh produced a unique, spectacular staging of the musical on a scale which had never been seen before. Inspired by the original staging by Hal Prince and Gillian Lynne, this lavish, fully-staged production set in the sumptuous Victorian splendor of London’s leg… |
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Andrew Lloyd Webber’s Love Never Dies [Blu-ray] $19.96 The year is 1907. It is 10 years after the Phantom’s disappearance from the Paris Opera House. He has escaped to a new life in New York where he lives amongst the screaming joy rides and freak-shows of Coney Island. In this new electrically-charged world, he has finally found a place for his music to soar. All that is missing is his love – Christine Daa. Now one of the world’s finest sopranos, … |
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Dream With Me $7.50 EVANCHO JACKIE DREAM WITH ME… |
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Phantom of the Opera [VHS] $3.14 This 1943 version of the horror story is more Technicolor musical than scare piece. Claude Rains plays the unfortunate, masked anti-hero, but he doesn’t get the room to showcase a promising and sympathetic performance. Susanna Foster and Nelson Eddy, on the other hand, get plenty of screen time to warble. Well worth a visit just for the look of the film, which won an Oscar for cinematography. –… |
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Phantom of the Opera (Animated) [VHS] $19.95 … |
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Phantom of the Paradise (Ultimate Edition) [Blu-ray] $49.98 France released, Blu-Ray/Region A/B/C : it WILL NOT play on regular DVD player. You need Blu-Ray DVD player to view this Blu-Ray DVD: LANGUAGES: English ( Dolby DTS 5.1 ), French ( Dolby DTS 5.1 ), French ( Subtitles ), WIDESCREEN (1.85:1), SPECIAL FEATURES: Cast/Crew Interview(s), Featurette, Interactive Menu, Remastered, Scene Access, Trailer(s), SYNOPSIS: A disfigured musician sells his soul fo… |
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Andrew Lloyd Webber’s Love Never Dies $11.99 The year is 1907. It is 10 years after the Phantom’s disappearance from the Paris Opera House. He has escaped to a new life in New York where he lives amongst the screaming joy rides and freak-shows of Coney Island. In this new electrically-charged world, he has finally found a place for his music to soar. All that is missing is his love – Christine Daa. Now one of the world’s finest sopranos, … |
