How Cash Management Accounts Protect Your Money

Laveta Brigham


3 “Strong Buy” Stocks That Are Flirting With a Bottom

In the investing game, it’s not only about what you buy; it’s about when you buy it. One of the most common pieces of advice thrown around the Street, “buy low” is touted as a tried-and-true tactic.Sure, the strategy seems simple. Stock prices naturally fluctuate on the basis of several factors like earnings results and the macro environment, amongst others, with investors trying to time the market and determine when stocks have hit a bottom. In practice, however, executing on this strategy is no easy task.On top of this, given the volatility that has ruled the markets over the last few weeks, how are investors supposed to gauge when a name is flirting with a bottom? That’s where the Wall Street pros come in.These expert stock pickers have identified three compelling tickers whose current share prices land close to

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5 Ways to Avoid Debt if You Are Dropping Out of College

Laveta Brigham

You’ve read the stories about college dropouts who ended up becoming wildly successful people — you know, people like Bill Gates and Mark Zuckerberg.

All that cramming for the latest exam might have you thinking about dropping out of college yourself, and you probably aren’t the only one in your class.

Of the approximately 2 million people who start college each year in the United States, one-third have not earned a formal credential and aren’t enrolled eight years later, according to the National Student Clearinghouse Research Center.

But even if you’ve decided that a college degree is nothing more than a piece of paper, there’s the small — or not so small — matter of how much you owe.

If you took out student loans to finance your college education, dropping out could have severe financial consequences.

Borrowers who don’t complete their degree are three times more likely to default

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In Arizona, voter outreach groups become lifelines for people hit by COVID-19

Laveta Brigham

Imelda Quiroz, a staff member of Mi Familia Vota, talks to a voter while door-knocking in Phoenix on Sept. 12. <span class="copyright">(Melissa Gomez / Los Angeles Times)</span>
Imelda Quiroz, a staff member of Mi Familia Vota, talks to a voter while door-knocking in Phoenix on Sept. 12. (Melissa Gomez / Los Angeles Times)

When Imelda Quiroz began knocking on doors this month in search of registered voters, one question would often lead to a glimpse of their daily struggles.

“How has the pandemic affected you?” she would prompt in English, sometimes in Spanish. She wanted to get a sense of how voters were doing and what issues were important to them ahead of the November election.

What Quiroz heard was an outpouring from people worried about paying next month’s rent, electric or water bills. Parents were struggling with their children shifting to online learning without laptops or internet, she said.

“Many had lost their jobs,” Quiroz recalled on a Saturday afternoon as she walked among houses in a predominantly Latino Phoenix neighborhood. While knocking on doors for

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How UX designers can save us from our own shitty passwords

Laveta Brigham

In 2019, cybercrime cost businesses more than $2 trillion globally. With the influx of digital products, more and more people are reusing login credentials – the leading cause of data breaches. For too long, the user experience of password management has been ignored. It’s time for designers to rethink every aspect of password UX.

Much of our lives are digitally managed. There’s an app, website, or SaaS platform for nearly every aspect of the human experience, and they all require passwords. With so many accounts come problems.

According to, 80% of data breaches are traced to weak or reused login credentials, 61% of people use the same password for multiple accounts, and only 44% of users change passwords at least once per year.

That’s a lot of trust to place in online platforms. If one app is hacked, all accounts are vulnerable.

Password ux
Password ux

The present-day password situation is

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5 Myths About High-Yield Savings Accounts During COVID-19

Laveta Brigham

Last year’s savings rates of 2% and higher have come and gone, but that doesn’t mean high-yield savings accounts disappeared.

“There are high-yield savings accounts out there, but it’s all relative,” says Mike Schenk, chief economist for the Credit Union National Association.

When the Federal Reserve cut its benchmark rate to nearly zero in March, many banks and credit unions took their cue to lower rates on savings accounts. This affected online high-yield accounts more drastically than others. And it’s unclear when to expect rates to rise as the monthslong pandemic and related economic uncertainty continue.

If you’re thinking about getting a high-yield savings account or ditching the one you have, don’t fall for these misconceptions.

Myth 1: A high-yield savings account has the same rate over time

Not true, which can be good and bad. Savings accounts have variable rates that are subject to change, so an account you

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4 ways to use psychology to win your competition’s customers

Laveta Brigham

Did you know Nir Eyal, the author of this piece, is speaking at TNW2020 this year? Check out his session on ‘Indistractable: How to Control Your Attention and Choose Your Life’ here.

Let’s say you’ve built the next big thing. You’re ready to take on the world and make billions. Your product is amazing and you’re convinced you’ve bested the competition. As a point of fact, you know you offer the very best solution in your market. But here’s the rub. If your competition has established stronger customer habits than you have, you’re in trouble.

The cold truth is that the better product does not necessarily win. However, there’s hope. The right strategy can crowbar the competition’s users’ habits, giving you a chance to win them over.

To understand how to change customer habits, we first need to understand what habits are and how they take hold. Simply put, habits

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Boris Johnson and the Conservatives are in danger of losing British business

Laveta Brigham

Boris Johnson addresses the nation: REUTERS
Boris Johnson addresses the nation: REUTERS

Has Boris lost business? Perhaps not yet, but that is his direction of travel.

The business community is typically, naturally, supportive of Conservative governments since it assumes the same goals, such as freedom to make a profit, get rich, pay less tax.

What it craves most of all is some sort of certainty.

At its best British business is innovative, nimble and in fierce competition.

We saw that best in the early and ongoing responses to Covid-19. Business leaders from the guy who runs the pub at the end of my street to the chief executive of Next saw a crisis emerging, but also a chance to show what they are made of.

They flipped all sorts of old certainties into the bin and cracked on.

The publican sold his excellent food online and offered takeaway beer.

Simon Wolfson, the Next boss, noted in

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Some wary parents won’t vaccinate kids, setting up future school showdowns

Laveta Brigham

Michelle Vargas of Granite City, Illinois, has always vaccinated her 10-year-old daughter, Madison. They both typically get flu shots. But when a vaccine for the coronavirus eventually comes out, Vargas will not be giving it to her daughter — even if Madison’s school district requires it.

“There is no way in hell I would be playing politics with my daughter’s health and safety,” said Vargas, 36, an online fitness instructor. If the public school Madison attends and loves says the vaccine is mandatory, “we would find other options,” she said.

As pharmaceutical companies race to manufacture a Covid-19 vaccine, many people are wary of a shot that is working its way through the approval process at record speed during a highly politicized pandemic. While some professions could require employees to get the vaccine, experts say schools almost certainly will require students to — potentially setting the stage for a showdown

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‘In my fifty years, I’ve never faced a challenge as devastating as this’

Laveta Brigham

Paul Smith Fashion - Getty Images
Paul Smith Fashion – Getty Images

Sir Paul Smith has warned that the effects of the Covid-19 crisis are having a “devastating” impact on the fashion industry. 

“It’s been a very difficult few months not just for fashion but for many industries,” the veteran British designer tells The Telegraph, “the strong likelihood of a second wave will quite rightly make people even more nervous.”

Coats, handbags and dresses may not have been the first things people worried about when Boris Johnson nudged England back in the direction of lockdown on Tuesday evening. But while 10pm restaurant closures and a return to working from home will hit hospitality harder than most, it is still a devastating blow for the fashion industry – particularly since retailers and designers were just beginning to find their feet again after a rocky summer.

Oxford Street - Getty Images
Oxford Street – Getty Images

“Footfall in cities across the world is

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Surprising Ways Older Americans Spend Their Money Now

Laveta Brigham

These days, millennial spending and consumer trends tend to make or break a company, with that generation driving the boom in online shopping that has left some retailers shuttering locations for good. However, it seems as if the headlines might be sleeping on baby boomers, who will continue to drive U.S. spending for the next five to 10 years. According to Visa, consumers over 50 currently account for more than half of all U.S. spending, and they also controlled spending growth within the past decade. There are more consumers over 60 now than ever before, with baby boomers holding off on retirement and spending their earnings. But what do those expenditures look like?

To find out what older Americans are spending their money on, GOBankingRates analyzed data from the Bureau of Labor Statistics’ 2018 Consumer Expenditure Survey. This study compares recent spending by Americans 65 and older to that of

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