A completely illegal practice is going on by nursing homes and their collectors. Under federal law – The Nursing Home Reform Act – it's illegal to go after family members for nursing home debt. What to do if you're contacted for this type of collection. Meanwhile, bad investment advice is being peddled to young would-be investors on TikTok and other social media channels. There are 225 professional designations people are using to pitch commission based financial advice! That's why you must know the basics, know the pay-for-play dubious pitch when you hear it, and know how to find a legitimate, fiduciary financial advisor.