Before I take out a high-interest loan or resort to extreme measures, can I actually negotiate a lower lump-sum settlement or a hardship payment plan with U.S. Bank or the debt collector (Zwicker)? Has anyone successfully reduced their payments or stopped a wage garnishment by proving they have limited income?

What influences the price of cryptocurrencies in market? Are market supply, investor sentiment, government rules, and new technologies key in shaping their price changes?

To hold my money for a longer time, i invested in VIG, QQQ, XMHQ and others. Dividend-focused ETFs (SCHD, VYM) and their returns seem lower than any other ETFs and because of that, mostly people are interested in them. Are dividend-focused ETFs genuinely more valuable than growth-focused ones? Am i lacking something? I am well aware of the fact that this is one of the most popular ETFs available in the American market.