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This Startup Wants to Take the Hassle out of Canceling Compromised Credit Cards

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You don’t plan for your credit card to get lost or stolen, but when it does, the loss isn't limited to your physical wallet. Every retail site, payment app, and music or video streaming service that was connected to that account needs to be updated. Now, a new startup called Final wants to take the headache out of canceling cards.

As TechCrunch reports, Final is a credit card service for the internet age. Instead of plugging the same card number into Netflix, Birchbox, and Amazon Prime accounts, users can create a separate, virtual credit card for each subscription. All accounts are covered by a single, monthly payment and there’s no need to reset everything if one account is breached: Customers can simply cancel that card and create a new one, while continuing to use the other cards as they normally would.

Final offers members one percent cash-back with no annual fee, but to join they need to have relatively good credit. Once approved, they receive a physical credit card to use for in-person payments. It’s easy to take full advantage of Final without ever using the literal plastic: The company’s main draw is their focus on making online spending more convenient for card holders. To apply for the service, candidates can submit their information through Final’s website.

Credit card breaches are a common problem, but covering your bases once it happens is only half of the equation. Here are some steps to take to avoid fraud in the first place.

[h/t TechCrunch]

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7 Science-Backed Ways to Improve Your Memory
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Being cursed with a bad memory can yield snafus big and small, from forgetting your gym locker combination to routinely blowing deadlines. If your New Year's resolution was to be less forgetful in 2018, it's time to start training your brain. The infographic below, created by financial website Quid Corner and spotted by Lifehacker Australia, lists seven easy ways to boost memory retention.

Different techniques can be applied to different scenarios, whether you're preparing for a speech or simply trying to recall someone's phone number. For example, if you're trying to learn a language, try writing down words and phrases, as this activates your brain into paying more attention. "Chunking," or separating long digit strings into shorter units, is a helpful hack for memorizing number sequences. And those with a poetic bent can translate information into rhymes, as this helps our brains break down and retain sound structures.

Learn more tips by checking out the infographic below.

[h/t Lifehacker.com.au]

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The Only Way to Answer ‘What Is Your Greatest Weakness?’ In a Job Interview
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Thanks in part to the influence of Silicon Valley and its focus on the psychological probing of job applicants, interview questions have been steadily getting more and more abstract. As part of the interview process, today's job seekers might be asked to describe a vending machine to someone who’s never seen one before, or plan a fantasy date with a famous historical figure.

Even if the company you’re approaching isn’t fully on board with prodding your brain, at some point you may still come up against one of the most common queries applicants face: "What is your greatest weakness?"

"Some 'experts' will tell you to try and turn a strength into a 'weakness,' to make yourself look good," writes Inc. contributor Justin Bariso. "That advice is garbage."

"Think about it," Bariso continues. "Interviewers are asking the same question to countless candidates. Just try and guess how many times they hear the answers 'being a perfectionist' or 'working too much.' (Hint: way too often.)"

While responding that you work too hard might seem like a reliable method of moving the conversation along, there’s a better way. And it involves being sincere.

"The fact is, it's not easy to identify one's own weaknesses," Bariso writes. "Doing so takes intense self-reflection, critical thinking, and the ability to accept negative feedback—qualities that have gone severely missing in a world that promotes instant gratification and demands quick (often thoughtless) replies to serious issues."

Bariso believes the question is an effective way to reveal an applicant’s self-awareness, which is why companies often use it in their vetting process. By being self-aware, people (and employees) can correct behavior that might be affecting job performance. So the key is to give this question some actual thought before it’s ever posed to you.

What is your actual greatest weakness? It could be that, in a desire to please everyone, you wind up making decisions based on the urge to avoid disappointing others. That’s a weakness that sounds authentic.

Pondering the question also has another benefit: It prompts you to think of areas in your life that could use some course-correcting. Even if you don’t land that job—or even if the question is never posed to you—you’ve still made time for self-reflection. The result could mean a more confident and capable presence for that next interview.

[h/t Inc.]

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