Another day, another massive data breach.  Equifax, Capital One, Marriott … the list seems endless.  And as more of our personal information is digitized, the risk of it ending up in the wrong hands rises, leaving us increasingly vulnerable to identity theft and trashed credit. But while the scope of these data breaches can seem overwhelming (1.1 billion identities were exposed in 2016 alone), the reality is that you are not powerless. You can defend yourself, and you don’t have to go off the grid and hide out in a bunker in New Zealand. One of the most powerful ways to defend yourself is aRead More →

Want To Bet Now On The Heisman Trophy Winner? Maybe Don’t. | FiveThirtyEight Skip to main content Jake Lourim is a freelance writer in Washington. He most recently worked for the Louisville Courier-Journal. @jakelourim  Get us in your inbox. Stories that resonated Get a newsletter of our most popular stories of the week. Subscribe Source linkRead More →

If you are planning to live independently and you still cannot afford to buy a house, then living in an apartment seems to be a practical choice for now. Apartment hunting can be a tough task to handle if you have no idea where to start, what to look for, and what to do. This feeling is normal for first-timers; that is why you need a guide to make things less overwhelming. Here are some tips to get you started. Know your budget How much money are you willing to spend on rent alone? Ideally, it should only be within the 20% bracket of yourRead More →

If you’re a recent graduate, the last thing you want to think about is the past, right? It’s all about the future. However, if you took out student loans, the time to look back is now (actually, it probably should have been sooner, but let’s not quibble over semantics). If you’re like most grads, you took out multiple student loans over your four(ish)-year career as a college student — consumers with educational debt had an average of 3.7 student loans, according to a 2017 Experian report.  Unfortunately, 11.4% of aggregate student debt was 90 or more days delinquent or in default in the fourth quarterRead More →

Welcome to a special edition of FiveThirtyEight’s weekly politics chat. The transcript below has been lightly edited. sarahf (Sarah Frostenson, politics editor): On Thursday evening, GOP Rep. Will Hurd of Texas’s 23rd Congressional District said that he would not seek reelection in 2020. Hurd is the sixth GOP representative to announce retirement in the past two weeks and the eighth so far in 2019. There were, of course, also a lot of GOP retirements in the lead-up to the 2018 midterm elections — at least 23, according to our count. So what’s happening this year? Should we expect another big wave of GOP retirements? AndRead More →

Starting a business is the most brilliant idea that can ever cross your mind. You not only become your own boss but also create jobs for others. Studies show that people start new businesses daily. But only a few survive for more than two years. Such information calls for caution as you decide to ditch your day job and start a business. Becoming practical and honest with yourself will help mitigate some of your fears. Below are five steps you need to follow to become a successful business owner. Do thorough research Yes, you have a business idea. That’s very good! But how many moreRead More →