Today's Personal Finance Articles
View articles only on the topic you search below.

Somewhere in your house, there’s probably a drawer, a jewelry box, or a little pouch stuffed in the back of a closet holding pieces you haven’t worn in years. Maybe it’s a tangled necklace from a decade ago. Maybe it’s your grandmother’s ring, sitting untouched because you’re not sure what you’re “supposed” to do with it. Either way, it’s just sitting there doing nothing. Before you let it keep collecting dust, here are four genuinely good options for what to do with old or antique jewelry, whether it holds sentimental value, real value, or honestly, neither. 1. Donate It If the jewelry doesn’t mean much to you and isn’t worth a fortune, donating is one of the easiest ways to give it a second life instead of tossing it in a landfill. Plenty of charities accept jewelry and watches, both in person at donation centers and through mail-in programs designed specifically for jewelry drives. A quick search for “donate jewelry near me” or a call to a local charity will tell you what they accept and how to get it to them. It’s a small effort that turns clutter into something useful for someone else. 2. Pass It Down or Rework It If a piece is beautiful but not exactly your style, that doesn’t mean it has to sit unused forever. Consider passing it along to a family member who’d actually wear and cherish it. Heirloom pieces carry stories, and keeping them in the family, even if you personally never put them on, can mean a lot to the next person who does. On the flip side, maybe you’re the one who inherited a piece you don’t love. That’s completely normal, and there’s no rule that says you have to keep it exactly as is. Most jewelers offer redesign services, which means you can take the existing gemstones or metal and turn them into something you’d actually reach for. You keep the sentimental value and the materials, minus the style you never wanted. 3. Repurpose It Into Something New If you’re the creative type, repurposing old jewelry is a fun weekend project. Pinterest is full of ideas: mixed-media art pieces, jewelry sewn into new accessories, gemstones added to a belt or handbag for a little extra shine. It’s a low-cost way to breathe new life into something that would otherwise just sit in a drawer. Start a mood board before you commit to anything. It’ll help you figure out what direction actually excites you instead of jumping into a project you abandon halfway through. 4. Sell It If you suspect what you’re holding onto has real value, selling is worth exploring. Local jewelers can often give you a quick read on whether a piece is worth pursuing further. For anything you think might be genuinely valuable, an auction house can appraise it and, if you choose, sell it on your behalf. Once you know what you’re working with, online marketplaces like eBay are another solid option, and you can often

About Tim Kelly Tim Kelly has extensive experience in warranties, repairs and after-sales service. In this episode of the East London The Complaining Cow Consumer Show, consumer rights expert Helen Dewdney talks to Tim about the different types of warranties, how warranty processes work, common misconceptions and what consumers should know when making a warranty claim. In this episode of The Complaining Cow Consumer Show, I speak to independent motor expert Tim Kelly of Motor […]

There’s a decent chance you’re storing a small fortune in a cardboard box marked “old toys,” and you don’t even know it. Every attic seems to have one…. you know… that dusty bin of action figures, dolls, or board games nobody’s touched since the ’90s. Most people walk past it a hundred times without a second thought. But somewhere in the world of vintage collecting, someone just paid thousands of dollars for the exact same thing sitting three feet above your head right now. So before you donate that box or toss it in the trash, it’s worth taking a closer look. Here’s what actually makes a vintage toy valuable, and how to figure out if yours is one of them. It Comes Down to Two Things: Rarity and Demand Not every old toy is a goldmine. The ones that hold real value are usually the ones that weren’t made in huge numbers, or that got pulled from shelves before everyone could grab one. Think about it this way: a 1980s action figure that was discontinued after a short run and stayed in great shape? That could easily fetch hundreds, sometimes thousands, from the right collector. Meanwhile, the toy that came off the assembly line by the millions and sat in every kid’s toy chest across America probably won’t earn much, no matter how much it means to you personally. Sentimental value and market value are two very different things. Condition Can Make or Break the Price Here’s where a lot of people get tripped up. The condition makes a big difference.  A toy still sealed in its original packaging can be worth ten times more than the same toy that got played with, even lightly. Collectors have their own language for describing condition, and it’s worth learning: Mint – Never opened, never touched, packaging untouched Near Mint – About as close to perfect as you’ll find, with maybe a tiny flaw Very Good – Some visible wear, but still solid Good – Noticeably used, but still collectible Fair – Damaged or missing pieces Before you assume something’s worthless because it’s a little beat up, take a real look at it. Heavily used toys sell for less, sure, especially if they’re common. But less valuable doesn’t mean worthless. Even a well-loved vintage toy can still find a buyer. Do Your Homework Before You Sell Guessing at a price is how people leave money on the table. A little research can go a long way. Check what’s actually selling. Sites like eBay and Etsy are useful, but don’t just look at asking prices; look at completed listings. That tells you what buyers actually paid, not what sellers hoped for. Grab a price guide. Toy collecting has an entire world of specialized guides that break down production history and current market value by brand and toy line. Talk to other collectors. Online groups and forums are full of people who live and breathe this stuff. They can point you toward

People worry about taxes on traditional retirement accounts.  During the owner’s lifetime, those worries are largely unfounded. On my YouTube channel I’ve demonstrated that even those with surprisingly large traditional IRAs are likely to pay modest effective tax rates during their own retirements.  Spreadsheets tell us the chances we will pay high taxes on our […]

Have you ever kept expired canned goods in the pantry or watered-down shampoo just to squeeze out every last ounce? Those are subtle signs of a childhood shaped by financial hardship. For some, being extremely conscious about throwing anything away, even furniture older than you, or collecting coupons as if your life depended on it, are familiar habits. These experiences not only impact our relationship with money but also influence our approach to everyday life, […]

If it’s been a while since you cleaned out your closets, attic, or your parents’ house, you might want to hold off before you haul everything to the donation bin. Buried in those boxes could be vintage items worth a serious chunk of change. Some of these will make sense right away, like jewelry or vinyl records. But a few names on this list are going to catch you completely off guard, and once you see them, you’ll never look at the “junk” piled in your closet the same way again. Here’s what to watch for the next time you clean out your house. These vintage finds might be worth a pretty penny, even though they’ve just been gathering dust for years. 1. Vinyl Records Depending on the size of your collection, this one alone could be a big payday. Vinyl has made a huge comeback in recent years, and values have climbed right along with its popularity. 2. Rotary Phones Everyone’s grandmother had one of these sitting on the kitchen wall, and now they’re true vintage collectibles. A rare model in good shape can bring in hundreds of dollars. 3. Your Mom or Grandma’s Wedding Dress That vintage gown tucked in the back of your closet isn’t just sentimental. Vintage clothing buyers will often pay around $250 for a well-preserved wedding dress. 4. Fine China That old collection of fine china taking up cabinet space could be worth hundreds if you decide to sell it. 5. Vintage Cookie Jars It sounds almost too simple, but vintage cookie jars are genuinely valuable. Dig through that old kitchen collection before you box it up for donation. 6. First Edition Books Hanging on to any first-edition books or collections? Depending on the title and condition, they can sell for anywhere from $100 to well over $1,000. 7. Antique Tools Old drills, saws, wrenches, and hand tools are highly sought after by collectors, especially ones with visible age and craftsmanship. 8. Typewriters With typewriters, older almost always means more valuable. A model from before the 1940s in working condition could sell for $700 or more. 9. Crayola Crayons This one tends to surprise people the most. A vintage box of Crayola crayons in good condition can be worth over $500. 10. Silverware A full antique silverware set passed down from your parents or grandparents can bring in hundreds of dollars on today’s vintage market. 11. Vintage Luggage Collectors love a well-worn piece of vintage luggage, and pieces in decent shape can fetch up to a few hundred dollars. 12. Family Board Games That old board game buried in the closet might be worth more than you think. If it’s been kept in good condition, it could sell for hundreds today. Read More: Where To Sell Used Items for Cash 9 Ways To Get Cash for Your Clutter: Sell Stuff for Cash Fast  19 Easy Ways To Get Free Money 12 Vintage Items Hiding in Your Home That Could Be Worth a

A 62-year-old with a strong earnings history who claims Social Security today walks away with at most $2,969 a month. The same person at 70 collects up to $5,181. That’s more than $26,000 extra per year, every year, for life, adjusted upward for inflation. The difference comes entirely from timing, and timing is just one […] The post 13 ways to maximize your Social Security benefit appeared first on Wealthysinglemommy.com.

A reader writes, asking “With Spacex’s recent IPO and other upcoming IPOs and the changes that the index fund providers are making, would it be more advantageous right now (until at least things calm down a bit) to mix my own choice of domestic/international funds versus going with a ‘pre-mixed’ blend fund like VT, target date, or something like AOA?” It’s always the case that if you have a prediction that you think is better […]

America’s student loan repayment system is entering one of its most challenging periods since federal payments resumed. New Department of Education data show that millions of borrowers are already delinquent or in default, and if current trends continue, more than 12.5 million borrowers could be behind on their federal student loans by the end of 2026. Read the rest

If you want a cool new hobby but you’re tired of the same old listicles telling you to paint a picture or knit a sweater, … Read more

Before I die, I have a whole bucket list I want to get through. One item is experiencing what it’s like to be a startup employee whose company goes public. If you’re considering joining a startup, or already at one waiting for your lockup to expire, this post is for you. I spent 13 years in […] The post What It’s Like Waiting Out A 6-Month IPO Lockup As A Startup Employee appeared first on Financial […]

Today’s Talk Your Book is brought to you by F/m Investments: To learn more about F/m Investments and our ETFs visit: www.fminvest.com/etfs On today’s show, we discuss: F/m Labs Interactive Yield Chart Interest Rate Scenario Analysis The case for TIPS over nominal treasuries in today’s environment Why ZTOP only buys the largest, most liquid high yield issuers Why bond investors are warier of hypersca…

If you’ve ever listened to The Breakfast Club, you know it’s much more than a hip-hop radio show. Over the years, the show has become one of the best places to hear honest conversations with entrepreneurs, investors, entertainers, athletes, and business leaders. Today, The Breakfast Club is hosted by DJ Envy, Charlamagne Tha God, and…