1. A method for computing a put option on a purchased tangible depreciating item, comprising: computing at a server, a one-time put option fee received from an owner of the purchased tangible depreciating item, based on characteristics of the purchased tangible depreciating item, in exchange for granting the owner of the purchased tangible depreciating item the right to exchange the purchased tangible depreciating item over a predetermined period of time for the one-time put option fee, wherein the one-time put option fee is based on a predicted future resale value of the purchased tangible depreciating item, the one-time put option fee being a one-time purchase price for the put option on the purchased tangible depreciating item.