Bad credit can haunt you for years. It affects everything from your home purchase to your bills to renting an apartment. Some employers even check your report before hiring you. A newly proposed bill aims to improve the system.

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What would you think if a coworker or employee showed up to work in loose ripped jeans, scuzzy sneakers, the same shirt she wore yesterday, frizzy hair, dirty unpolished nails, and a band-aid hanging off her arm from a recent tetanus shot? Would you judge me? Should I buy new clothes? Probably?

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Workout days in your exercise program are simple to follow: you just do the workout. Then, on your “rest days”, you feel like a lost duckling. Do you run on the treadmill? Or maybe do lighter weights ? A bike ride on a unicycle up a mountain sounds nice. How about this: try actually letting your body rest.

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Distractions aren’t ideal for most tasks , but they serve a purpose when it comes to brainstorming. 99U suggests a simple rule of thumb: embrace distractions when it comes to generating ideas; embrace focus when it comes to implementing ideas.

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Before you and a partner decide to move in together, you may have already decided how to split costs and chores, but these three important social topics you may have overlooked.

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