My Two Dollars

How to Make Money Recycling Paper, Plastic, Cans & Scrap Metal

Looking for a little extra income? Willing to put in quite a lot of work for a potentially small payday? Start recycling items for cash. While the most common (and most-well known) way to recycle for money is by turning in aluminum beer and soda cans or plastic water bottles, there are actually a bunch of different products that can be recycled into money in your pocket. In these economic times every little bit counts, so I figured I would put a post together about the ways you can start recycling to put some scratch into your bank account. Let’s take a look at a few of them…

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environment • making money

By David

8 Best Ways for How to Consolidate Credit Card Debt

What should you do if you find yourself overburdened with credit card debt and you are having trouble keeping up with all the payments? It may be time to consider debt consolidation to make your debt easier to manage, easier to track, and to potentially lower your monthly payments while you get back on track. I am a huge proponent of paying off your debt rather than just filing bankruptcy, so debt consolidation is something I preach about quite often. When I was in debt up to my eyeballs, I did all sorts of balancing acts to consolidate my debt to get it paid off, so I figured I could post about some to maybe help some readers out.

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debt

By David

Starbucks Health Insurance & Part Time Employment Jobs With Benefits

I do not have health insurance. In fact, I have not had health insurance for exactly one year. (Yes, I did apply once, but in Colorado where I no longer live) Why? Because insurance companies would not let me buy it from them due to me having had skin cancer in the past. I did have insurance when I was married through my wife’s work, and I always had it through my previous employees, but now that I am self-employed and with a pre-existing condition, I go without health insurance. I have paid through the nose for small surgeries and usually visit health clinics for smaller issues, and will be applying for the new California pre-existing condition health plan (unless Republicans in Congress repeal it, which I hope for my sake and others they don’t) starting next month. But for the past 12 months, I have been without health insurance — not by choice, mind you — and it’s quite scary. Before I found out that a plan will be in place for people like me, I had been trying to come up with ways to get insurance, and one of those ways included finding a small part-time job that offers insurance.

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insurance

By David

How to Increase Your Credit Card Limit

Think you don’t have enough open credit? Have a major purchase coming up, like buying a car with a credit card to get more reward points? If so, you may want to give some thought to asking your credit card issuer for an increase in your credit limit, which is actually a pretty painless process. But before you do so, you may want to give some thought to a few things you should take care of before applying. Here are 5 things you should know before asking for a credit line increase:

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credit

By David

What Is a Good Credit Score Rating For a Mortgage or Loan?

Your credit score can make or break many situations in your life. From renting an apartment, to getting a job, to buying a car, to getting a mortgage, your credit score is incredibly important. Last time I checked I had a credit score of 800, which probably helped me to get my current rental over some of the other potential tenants. But what what determines the score that you have, and what number makes for a good credit score? Let’s take a look.

Your credit score is based upon five major criteria set forth by Fair Isaac, the creators of the scoring system called FICO, which TransUnion, Experian, and Equifax use to tabulate your score:

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credit