What Are the Alternatives to Filing Bankruptcy?

If you're overwhelmed by debt then you might think about filing for bankruptcy. This is a viable option for many people. However, it deeply affects you financial life. Therefore, people usually only turn to this option as a last resort. Before you go that route, make sure that you know the alternatives to filing bankruptcy. Find a Way to Pay Down Debt If at all possible, the best of all alternatives to filing bankruptcy is to pay down your debt. Of course, if you're looking at bankruptcy, then Read more [...]

Should You Invest in Art? 5 Podcast Episodes To Help You Decide.

The art world has always fascinated me. The characters, the auctions, the drama that surrounds it all ... it's a fascinating world. And I've always wondered if I should invest in art. It seems like a daunting form of investment. But it also seems like a lot of fun. So, to help me decide, I opted to delve into some podcast episodes that discuss the topic. If investing in art is something that interests you then perhaps you, too, would like these episodes: 1. Should You Invest in Art? Show: Read more [...]

Is It Worth Investing in Silver?

Many people invest in gold. In fact, you might already be one of them. But what about investing in silver? It obviously also has monetary value. And yet you rarely hear about people investing in it. Given the opportunity, should you invest in silver? Silver is Cheaper Than Gold But Offers Higher Investment Returns It's actually surprising that you don't hear more about people investing in silver. A lot of people certainly do so. One major reason why is that silver is cheaper than gold. And yet, Read more [...]

5 Ways to Better Understand Your Money Psychology

I have a Masters degree in psychological studies. Therefore, it's no surprise that I'm very interested in the psychology of money. The way we approach finances should be logical but many of us respond emotionally to money instead. Better understanding your own money psychology can help you better work with your finances. Here are 5 ways to better understand your relationship with money. 1. Journal About Money We all have complicated feelings about money. Uncover yours by keeping a journal about Read more [...]

How to Deposit a Check Made Out to a Deceased Person

There was a huge debacle this year with the stimulus checks. The government sent out quite a few checks made out to a deceased person. Family members were distraught because of the unexpected reminders of their loved one. Moreover, they were confused by what to do with these checks. Stimulus checks are different from other checks, but it made many people start to wonder: How do I deposit a check made out to a dead person? Is It Illegal to Deposit a Check Made Out to a Deceased Person? In the Read more [...]

What Are the Benefits for Partial Unemployment?

COVID-19 has changed so many different aspects of our lives. In particular, employment has changed. Many people are now unemployed or partially unemployed. People who have never had to face this situation are curious about the benefits for partial unemployment. It's tough to navigate, but the answers are out there. What is Partial Unemployment? As the name suggests, partial unemployment means that you have some type of work. However, you don't work full-time. Moreover, you can't find full-time Read more [...]

Can You Receive Both SSI and SSDI?

The Social Security Administration offers two different types of benefit programs: SSI and SSDI. You can receive both SSI and SSDI. However, each program has its own requirements. You have to meet those requirements independently to qualify for either (or both) form of benefits. What is SSI? Supplemental Security Income (SSI) is a monthly benefit check. People who "collect social security" after the age of 65 often mean that they're getting an SSI check. SSI is available to people who are 65 Read more [...]

Can You Earn Money by Installing Solar Panels

The number one reason to install solar panels at home or work is because you believe in the power of renewable energy. However, that's not the only reason. You can earn money by installing solar panels. Sometimes, you get cash back or a zero dollar energy bill. Plus there are tax incentives. Earn Electricity Credits by Installing Solar Panels When you install solar, your home generates excess energy that gets put back into the electrical grid. Depending on where you live, you might get cash or Read more [...]

If AT&T Reduced Plan Costs But Added Ads, Would You Do It?

Reuters recently released an exclusive article, quickly picked up by other news outlets, about a plan in the works from AT&T. The idea is that AT&T would serve you targeted ads on your phone. In exchange, they would reduce the cost of your phone plan. Would you do it? For me, it depends a lot on the details. It Hasn't Worked in the Past According to Reuters, several different companies have attempted something similar. Going back nearly phone decades, Sprint's Boost Mobile, Virgin Mobile Read more [...]

7 Cheap Old Houses Under $30,000

If you have been saving up for a down payment for a house then you might already have tens of thousands of dollars. What if, instead of using it for a down payment, you used it to buy a house outright? Believe it or not, there are cheap old houses under $30,000. Of course, you may need to do some repairs on these houses. But if you're willing to put in the time and work, this can be a really wonderful way to secure affordable housing. A Home for $1000 When you look at buying cheap old houses, Read more [...]