Recently, I’ve been testing how consumers can use AI prompts to do their own legal research. Yesterday I was working on an article on Pay on Death Deeds for Real Estate in each state. Some (most) states allow them. But some do not. When testing the AI prompt for residents of New Jersey, I discovered […]
This Is Not a Woodworm! Scams Used by Crooked Roofing Contractors
If a contractor ever shows you this bug and tells you, it’s a woodworm, you know you are being scammed. Call the police. The worm in the picture is called a “superworm.” You can buy these worms at a pet store to feed your pet bearded dragon for $2.99 a bag. If you see this, […]
The Nicer the Car You Drive, the More Likely You Are to Break The Law
This morning on the show Marketplace, they discussed a study that echoes earlier studies suggesting that the wealthier you are — or feel — makes you less likely to care about others. In this latest study, people were given different cars to drive and then monitored on how they yielded to pedestrians. They found that […]
Biden forgives another $5 billion in student loans
Department of Education announcement: The Biden-Harris Administration announced today the approval of an additional $4.8 billion in student loan debt relief for 80,300 borrowers. These discharges stem from fixes made by the U.S. Department of Education to income-driven repayment (IDR) forgiveness and Public Service Loan Forgiveness (PSLF). Today’s announcement brings the total approved debt cancellation […]
North Carolina Expands Medicaid, Finally
It’s been a long time coming, but North Carolina has finally expanded Medicaid to cover the so-called gap left by Obamacare when it was adopted more than 10 years ago. Most states expanded Medicaid at that time, but a few states held out, North Carolina being one of them. North Carolina’s adoption of expanded Medicaid […]
More Americans than ever are invading their retirement accounts to pay bills
Bloomberg reports that Americans are increasingly invading their retirement accounts to pay bills to avoid foreclosure and pay medical debt. But is that really the best approach? Bankruptcy is particularly good at relieving medical debt, and other unsecured debts like that. But many people don’t know that that option is available and wait too long. […]
VA Stops Foreclosures After Forbearance Program Leaves Borrowers In Trouble
During the COVID-19 pandemic, the government started many mortgage forbearance programs, which involved putting unpaid mortgage amounts at the end of the loan without collecting interest. Many people signed up for this because it was an excellent deal. The VA had a similar program to this, but then it suddenly ended. Suddenly, borrowers who heard […]