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Alex R. replied to the topic Anyone sell on Etsy? in the forum Side Hustle Crew 2 years, 10 months ago
My sister sells charms she makes on there. Last we talked, she mentioned she is making around $400 a month steady and has been for over a year. She doesn’t make insane sales but considering she is enjoying what she is going, that extra money is just a bonus.
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Alex R. replied to the topic Selling Amazon products on eBay? in the forum Side Hustle Crew 2 years, 10 months ago
It is a fairly simple concept. You want to have Prime and make sure to only ship items as “gifts”. You have to ensure that your prices are not too high over what Amazon is asking either. So say you want to sell an Amazon item that is $10 on Amazon but have it be available on eBay, you would not charge more than 3% over the asking value. You also…[Read more]
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Alex R. replied to the topic Would you move out of state if you were able to earn more in your career? in the forum Career Advice 2 years, 10 months ago
I think this depends. It is kind of a loaded question.
For someone who has nothing to lose by moving away, the answer would almost 100% be a yes. But there are people who have family they care about or care for, friends who they would not be able to see, places they would not be able to go. It is a big ask but I think being willing to move for a…[Read more]
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Alex R. replied to the topic How do you become "well known" online? in the forum Career Advice 2 years, 10 months ago
You want to work with other creators in your field. Find other artists with similar styles or ideas to you, and work with them. Start a YouTube channel to show your process and work with other artists o the platform.
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Alex R. replied to the topic How can I land a job in my field if no one is hiring? in the forum Career Advice 2 years, 10 months ago
Make sure the jobs you’re applying for fit your experience and skills and look at your resume. If you are applying for things out of your skillset or your resume is faulty, you are very unlikely to find work.
It is worth mentioning as well that if you spend time online, i.e. social media accounts, make sure you are professional on those p…[Read more]
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Alex R. replied to the topic Is it possible to raise your credit scores +100 in 3 months? in the forum Credit Card Co. 2 years, 10 months ago
Yes, it is possible but you need to figure out what works for you.
This guy might be helpful for you. While it worked out well for him, do not expect the same results!
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Alex R. replied to the topic I owe over $50,000 (Not including my mortgage!) in the forum Debt 2 years, 10 months ago
Make use of this: https://www.budgetworksheets.org/debt-payoff/debt.php?amount=50,000
You can hire a financial advisor who can sort through everything and make it so you make ONE single payment for everything you owe each month which can be helpful since your debt is so great.
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Alex R. replied to the topic When someone in your family passes away, who pays their debt? in the forum Debt 2 years, 10 months ago
The easiest way to put it is that their estate is meant to cover the cost of their debts. So if they own a house, the banks will take ownership of said house regardless of if it was meant to be left to a child or family. If they did not own a home, then there is nothing the creditors can do about it. Only in cases where there are joint accounts is…[Read more]
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Alex R. replied to the topic Does debt go away on its own if you never pay it? in the forum Debt 2 years, 10 months ago
Debts come with a statute of limitations which implies that they can only go after you for your debts for so long. This is written in the law within the US and the timeframe varies from state to state. Medical debt will always be owed, even if they stop asking you for it. Other debts depend on the amount and what kind of debt they actually are.…[Read more]
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Alex R. replied to the topic How can I verify that a debt collector is legitimate? in the forum Debt 2 years, 10 months ago
The easiest way is to ask them for their information. Ask for the name of the person calling you as well as the company name, street address, and phone number. If you live in a state that requires debt collection agencies to carry a license, then ask for the number of that. If you want to make it easy on yourself, just tell them you refuse to…[Read more]
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Alex R. replied to the topic Managing college debts? in the forum Debt 2 years, 10 months ago
I paid mine all off by sticking to a number I could manage and paying more when I could. The faster you pay it off, the less interest you have in the long run. Figure out what you can pay and just start paying it. If you want to get a house, a new car, or anything of the sort, it will bite you in the butt if you don’t sort it out.
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Alex R. replied to the topic What happens if you file for bankruptcy? in the forum Debt 2 years, 10 months ago
All your debt is essentially rolled over and settle outside of your hands. When this happens, you are effectively saying you have no way to pay your debts and your credit becomes null. You will not be able to get any credit cards, loans, or anything of the sort for several years after filing.
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Alex R. replied to the topic Does your insurance include full dental coverage? in the forum Insurance 2 years, 10 months ago
It does but it is considered a separate payment. By this I mean I am paying both each month but they are being deducted as separate transactions in my bank account. I just get a better deal for having both through the company I work for.
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Alex R. replied to the topic Can you get your price to do down if you mention a competitor? in the forum Insurance 2 years, 10 months ago
I am not sure what “price to do” means, unless that was a typo?
As for your question within the thread, yes. There are cases where you can get better rates if you shop around a bit. You have to be careful doing this however because you can be paying less for much less coverage. It is best to compare everything side by side before you sign on with anyone.
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Alex R. started the topic Can you get money back from renter's insurance? in the forum Insurance 2 years, 10 months ago
A friend of mine said this was the case for him when he finally moved and bought a house a few years ago with his wife. I have been paying renter’s insurance for 7 years now and from what he said, if you are paying it for more than 5 years, you qualify to earns some of the money back. I am just not sure how to go about checking. Does anyone know?
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Alex R. replied to the topic Changing auto insurance, what are the best options? in the forum Insurance 2 years, 10 months ago
Geico and State Farm tend to be the most affordable with the best coverage. You will have to check around though because you might be able to get better rates than both can offer at another place like Allstate. USAA is overall the best from what I have heard but you need some kind of military affiliation.
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Alex R. replied to the topic Who offers pet insurance? in the forum Insurance 2 years, 10 months ago
You can go with a stand-a-lone company for this. Healthy Paws, ASPCA, Pets Best, and Pumpkin are a few options out there. There are also “care cards” that help with vet bills and often get you prescriptions at a discount for your pets.
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Alex R. started the topic Insurance that offers a savings? in the forum Insurance 2 years, 10 months ago
I am not sure what the term is but I know there is insurance that offers people a savings account of sorts attached to their insurance and the money they do not use via their insurance is put into this fund and they can take it out later in life and use it for whatever they want. The idea is that this money is not taxed so you can effectively keep…[Read more]
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Alex R. started the topic Do you have to pay insurance on a house you are not living in? in the forum Real Estate 2 years, 10 months ago
I am curious about this. I know a few people who buy houses and fix them up to either flip them or rent them out. A lot of times, they are sitting off the market for a good year or two. In that time, are you obligated to pay for house insurance or is this optional?
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Alex R. replied to the topic Renting vs Buying – Which is better long term? in the forum Real Estate 2 years, 10 months ago
If you can afford to buy a house, then buy a house. Renting is essentially throwing money out the window you will never get back. At least with a house, you can turn around and sell it in the future. You can’t do this with rent. In terms of renting a house, in many areas, it is often cheaper to be paying a mortgage vs renting a house.
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