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How Financial Behavior May Impact Your Credit Score

Image Credit: @chalejoelthis/Twenty20 Building credit has a basically narrow version of credit-worthy behavior: Pay your credit cards and your utilities on time, stay sensible with your bank acco
Coffee's Future: Understanding the Risks to the World's Coffee Supply

Image Credit: @acirigliano/Twenty20 The headlines make your blood run cold: coffee? In danger of extinction? That can't be true. We need coffee — to stay sharp, to make it through the day, fo
Energy-Saving Utilities: Real Ways to Lower Your Bills & Environmental Impact

Image Credit: @creellauren/Twenty20 If you're a soft touch, you may have run across earnest young people on street corners or movie theaters asking if you have a minute to help save the envir
Protect Yourself: Understanding & Avoiding Package Scams

Image Credit: @Vruln/Twenty20 It's exhausting, being suspicious all the time. We have to worry about scammers on Venmo, on the rental market, while applying for jobs, and while we're fili
Beware of Loan Scams: Recognizing & Avoiding 'Live Checks'

Image Credit: @Sieren/Twenty20 Money doesn't just grow on trees — or arrive by surprise in the mail, birthdays and special occasions aside. It may seem like your lucky day, though, when sudde
Enhanced Password Protection in Chrome: A Security Update

Image Credit: @Globetrotter/Twenty20 Google may not always live up to its "Don't be evil" motto (which it's actually removed from the company's code of conduct). But when it
Ugly Produce: Is It a Sustainable Solution?

Image Credit: @delia3107/Twenty20 The idea seems so sensible, and so sustainable: What's the point of rejecting perfectly tasty fruits and vegetables if they're not picture-perfect? Ugly
Smart Recession Preparedness: A Balanced Approach

Image Credit: @highercontemplations/Twenty20 Much like the end of the world, there are lots of opinions but few firm facts on when the next recession will hit. Various markets and economic trends
Android Privacy Concerns: Are Your Phone's Settings Enough?

Image Credit: @Kalala/Twenty20 It's not hard to get down on the iPhone, especially when Apple makes it so easy. From the eye-popping cost of a new device to the weird redesigns and the batter
Overcoming Financial Anxiety: When It's Okay to Spend

Image Credit: @kirsty/Twenty20 For all that young people are stereotyped as reckless spenders, it's not unusual to find millennials who can't bear to drop some cash when they're perfe
Essential Questions to Ask a Financial Advisor Before Hiring

Image Credit: @reidmurphy/Twenty20 You've made it. You're adulting on the ultimate level. You have a financial adviser — or at least, you're about to. Choosing a financial adviser has
The Surprising Power of Coffee: A Deep Dive into its Impact

Image Credit: @jalissa_queen/Twenty20 The power one little bean holds over humanity and civilization as a whole is beyond staggering. Worldwide, we are obsessed with coffee. When it comes to the
AI Financial Coaches: Are Chatbots Improving or Hindering Your Money?

Image Credit: @kinni72/Twenty20 We'll turn to a lot of sources when we're looking for help about money. You might prefer a website, or a family member, or a human professional. One newer
Credit Score Perfection: Is an 850 Necessary?

Image Credit: @Elisall/Twenty20 We live in a world that lionizes perfect scores — thanks, standardized testing. Once you're done with school, there are vanishingly few to shoot for. What rema
Leveraging Insecurity: How Self-Doubt Can Boost Your Finances

Image Credit: @armisan/Twenty20 In our culture of self-care and wellness, we usually find ourselves wishing away bad feelings when they come around. We'll work hard (and spend hard) to banish
Non-Compete Agreements: Understanding Who Benefits & Legal Implications

Image Credit: @dashapats/Twenty20 At the end of 2016, the sandwich chain Jimmy John's settled a lawsuit and ended a very strange company policy. Low-wage hourly workers — so the people making
Budgeting Challenges: Why Americans Are Struggling & How to Improve

Even before we're adults, we rely on budgets, whether it's saving up for a new hardback book or divvying up your allowance. A budget is one of the most straightforward ways we keep ourselves o
Unlock Savings: How Bill Negotiators Can Lower Your Monthly Expenses

When it comes to budgeting, you can say one thing for bills: At least they're basically consistent, even if they add up. Bills, however, have a little more wiggle room than you might expect — and
Effective Charitable Giving: Maximizing Your Impact & Donations

Americans have been getting more suspicious of philanthropists and big donors, whether their gifts are for a political cause or a personal one. The vast majority of us aren't named Sackler, Pritzk
Who Do We Trust? Examining Consumer Trust in Technology

We take a lot of things on faith as we move through the world day by day. Our bosses are going to pay us; that driver will stop at the stop sign; our friend is genuinely stuck in traffic. Society func

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budgeting

budgeting