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          <h1>NYT > Your Money</h1>
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                          <a target="_blank" href="https://www.nytimes.com/2025/10/01/business/government-shutdown-social-security-trump.html"><img class="article-image" src="https://static01.nyt.com/images/2025/10/01/multimedia/01Biz-SSA-Explainer-vhzj/01Biz-SSA-Explainer-vhzj-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/10/01/business/government-shutdown-social-security-trump.html">How a Government Shutdown Will Affect Social Security</a> </h4>
              <div class="article-info" >
                  Tara Siegel Bernard on October 1, 2025            </div>
              <p class="article-description">
                  Retirement, survivor and disability payments will continue, but some services may be temporarily unavailable. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/10/01/business/government-shutdown-social-security-trump.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/10/03/your-money/ira-vanguard-merrill-acats-fraud.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/27/business/00hdth/00hdth-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/10/03/your-money/ira-vanguard-merrill-acats-fraud.html">How Stocks Can Be Quietly Stolen From Your I.R.A.</a> </h4>
              <div class="article-info" >
                  Tara Siegel Bernard on October 3, 2025            </div>
              <p class="article-description">
                  A retiree logged into his wife’s Roth I.R.A. to make a trade, and stumbled upon a crime scene. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/10/03/your-money/ira-vanguard-merrill-acats-fraud.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/10/03/your-money/cash-advance-apps-workers-expenses.html"><img class="article-image" src="https://static01.nyt.com/images/2025/10/03/business/03adviser/03adviser-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/10/03/your-money/cash-advance-apps-workers-expenses.html">Some Workers Are Turning to Pay-Advance Apps for Basic Expenses</a> </h4>
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                  Ann Carrns on October 3, 2025            </div>
              <p class="article-description">
                  Rising use “is not a signal of satisfaction,” an author of a new report says. Rather, heavy users of the apps are under “financial strain.” <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/10/03/your-money/cash-advance-apps-workers-expenses.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/10/02/business/trump-earnings-reports-investing-stocks.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/10/02/business/trump-earnings-reports-investing-stocks.html">It’s a Bad Time for Trump’s Plan to Cut Back on Corporate Reporting</a> </h4>
              <div class="article-info" >
                  Jeff Sommer on October 7, 2025            </div>
              <p class="article-description">
                  President Trump wants the S.E.C. to reduce the frequency of corporate earnings reports. Our columnist says it’s a reasonable experiment, but at a dangerous time. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/10/02/business/trump-earnings-reports-investing-stocks.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/29/travel/buy-now-pay-later-frugal-traveler.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/25/travel/00frugal-BNPL-illo/00frugal-BNPL-illo-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/29/travel/buy-now-pay-later-frugal-traveler.html">What Travelers Need to Know about Delaying Vacation Payments with B.N.P.L.</a> </h4>
              <div class="article-info" >
                  Elaine Glusac on September 29, 2025            </div>
              <p class="article-description">
                  The pros and cons of buying travel on a layaway plan. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/29/travel/buy-now-pay-later-frugal-traveler.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/26/your-money/health-insurance-premiums-increase.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/26/your-money/health-insurance-premiums-increase.html">Get Ready for Higher Health Insurance Premiums Next Year</a> </h4>
              <div class="article-info" >
                  Ann Carrns on September 26, 2025            </div>
              <p class="article-description">
                  Employers say they are facing the biggest increase in health costs in more than a decade — almost 9 percent on average. Workers’ best option, experts say, is to carefully weigh various plans. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/26/your-money/health-insurance-premiums-increase.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/26/business/stocks-government-shutdown.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/28/business/26strategies-illo/26strategies-illo-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/26/business/stocks-government-shutdown.html">For Investors, Government Shutdowns Haven’t Mattered. Is This Time Different?</a> </h4>
              <div class="article-info" >
                  Jeff Sommer on September 26, 2025            </div>
              <p class="article-description">
                  Shutdowns have long been immaterial for the stock and bond markets, but there’s a risk now that a political confrontation could derail the economy. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/26/business/stocks-government-shutdown.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/24/business/social-security-customer-service.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/24/multimedia/24Biz-SSA-Customers-jmpc/24Biz-SSA-Customers-jmpc-mediumSquareAt3X-v2.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/24/business/social-security-customer-service.html">Social Security Workers Struggle to Meet Demand After DOGE Cuts</a> </h4>
              <div class="article-info" >
                  Tara Siegel Bernard on September 25, 2025            </div>
              <p class="article-description">
                  After this year’s staffing cuts, some people wait for hours, others sail through. But overburdened field office workers carry the weight. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/24/business/social-security-customer-service.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/24/your-money/wnba-personal-finance.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/24/your-money/wnba-personal-finance.html">Share Your WNBA Fan Personal Finance Story</a> </h4>
              <div class="article-info" >
                  Jacob Meschke on September 24, 2025            </div>
              <p class="article-description">
                  The league is nearing the climax of another season of rapid growth. We want to know how that has affected the fan experience. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/24/your-money/wnba-personal-finance.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/23/business/jonathan-clements-wsj-personal-finance.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/23/multimedia/00biz-money-clements-02-bkmp/00biz-money-clements-02-bkmp-mediumSquareAt3X.jpg" alt=""></a>
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          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/23/business/jonathan-clements-wsj-personal-finance.html">Five Pearls of Financial Wisdom from Jonathan Clements</a> </h4>
              <div class="article-info" >
                  Ron Lieber on September 24, 2025            </div>
              <p class="article-description">
                  Jonathan Clements, the longtime Wall Street Journal columnist, died this weekend. Here are some of his best ideas. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/23/business/jonathan-clements-wsj-personal-finance.html">Read more ...</a>
              </p>            
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/20/business/splurging-spending-budgeting.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/12/multimedia/00Biz-Splurging-ckqw/00Biz-Splurging-ckqw-mediumSquareAt3X.jpg" alt=""></a>
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          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/20/business/splurging-spending-budgeting.html">How to Budget for a Splurge in an Uncertain Economy</a> </h4>
              <div class="article-info" >
                  Rachel Kramer Bussel on September 30, 2025            </div>
              <p class="article-description">
                  In turbulent financial times, splurging on expensive vacations or fine dining may feel unwise. But with planning, people can still find ways to indulge. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/20/business/splurging-spending-budgeting.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/19/business/common-data-set-colleges-financial-aid.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/24/business/18money-inside/18money-mediumSquareAt3X.jpg" alt=""></a>
          </div>
          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/19/business/common-data-set-colleges-financial-aid.html">Why Won’t Some Colleges Publish Their Common Data Sets?</a> </h4>
              <div class="article-info" >
                  Ron Lieber on September 19, 2025            </div>
              <p class="article-description">
                  The Common Data Set can help prospective students know how much aid they could get to pay for college. Why don’t all schools provide it? <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/19/business/common-data-set-colleges-financial-aid.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/19/your-money/student-loans-credit-scores.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
          </div>
          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/19/your-money/student-loans-credit-scores.html">Those Missed Student Loan Payments Are Messing Up Your Credit Score</a> </h4>
              <div class="article-info" >
                  Ann Carrns on September 19, 2025            </div>
              <p class="article-description">
                  A new report finds that scores dropped the most for those age 18 to 29. Here’s how to deal with a drop in your score. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/19/your-money/student-loans-credit-scores.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/18/travel/amexs-platinum-card-benefits.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
          </div>
          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/18/travel/amexs-platinum-card-benefits.html">With Amex’s Platinum Refresh, an Even More Exclusive Card Emerges</a> </h4>
              <div class="article-info" >
                  Christine Chung on September 18, 2025            </div>
              <p class="article-description">
                  The card, which will cost $895 a year, leans even further into lifestyle and travel benefits that are attractive to younger generations. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/18/travel/amexs-platinum-card-benefits.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/14/business/doctors-prior-authorization.html"><img class="article-image" src="https://static01.nyt.com/images/2025/10/01/business/05money/05money-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/14/business/doctors-prior-authorization.html">How Doctors Can Help Patients Better Understand Prior Authorization</a> </h4>
              <div class="article-info" >
                  Ron Lieber on September 14, 2025            </div>
              <p class="article-description">
                  Insurance companies often make doctors ask their permission before treating patients. This template can help medical professionals explain how it works. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/14/business/doctors-prior-authorization.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/12/your-money/debt-collection-lawsuits.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
          </div>
          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/12/your-money/debt-collection-lawsuits.html">Debt Collection Lawsuits Are Rising. Here’s What to Do to Fight Back.</a> </h4>
              <div class="article-info" >
                  Ann Carrns on September 12, 2025            </div>
              <p class="article-description">
                  The number of filings is back above 2020 levels as prices rise and people rely more on credit cards, an analysis finds. But many borrowers don’t respond to the suits and lose by default. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/12/your-money/debt-collection-lawsuits.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/12/business/ai-investing-value-stocks.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/14/business/14strategies-illo/14strategies-illo-mediumSquareAt3X.jpg" alt=""></a>
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              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/12/business/ai-investing-value-stocks.html">Believe in A.I.? Buy Beaten-Down Value Stocks.</a> </h4>
              <div class="article-info" >
                  Jeff Sommer on September 12, 2025            </div>
              <p class="article-description">
                  If artificial intelligence is really revolutionary, its benefits will spread to mundane companies and spawn new fields, Vanguard’s global chief economist says. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/12/business/ai-investing-value-stocks.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/06/business/us-open-prize-money-checks.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/06/multimedia/06biz-checks-sloane-fqkc/06biz-checks-sloane-fqkc-mediumSquareAt3X.jpg" alt=""></a>
          </div>
          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/06/business/us-open-prize-money-checks.html">What’s Inside the Envelope That U.S. Open Winners Get? It’s Not a Check.</a> </h4>
              <div class="article-info" >
                  Ron Lieber on September 6, 2025            </div>
              <p class="article-description">
                  Both singles champions will win $5 million. But the envelope they receive during the trophy presentation is a symbolic gesture. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/06/business/us-open-prize-money-checks.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/05/your-money/fafsa-student-financial-aid-form-filing.html"><img class="article-image" src="https://upload.wikimedia.org/wikipedia/commons/1/14/No_Image_Available.jpg" alt=""></a>
          </div>
          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/05/your-money/fafsa-student-financial-aid-form-filing.html">The FAFSA Form Is Coming on Time This Year. For a Change.</a> </h4>
              <div class="article-info" >
                  Ann Carrns on September 5, 2025            </div>
              <p class="article-description">
                  The federal form, used to determine financial aid, will be available to the public on Oct. 1. Technical glitches that delayed the form for the past two years are said to have been resolved. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/05/your-money/fafsa-student-financial-aid-form-filing.html">Read more ...</a>
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                          <a target="_blank" href="https://www.nytimes.com/2025/09/05/business/social-security-wealth-benefits.html"><img class="article-image" src="https://static01.nyt.com/images/2025/09/07/business/07strategies-illo/07strategies-illo-mediumSquareAt3X.jpg" alt=""></a>
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          <div class="article-body">
              <h4 class="article-title"> <a target="_blank" href="https://www.nytimes.com/2025/09/05/business/social-security-wealth-benefits.html">Americans’ Most Valuable Asset Isn’t Stocks or a Home. It’s Social Security.</a> </h4>
              <div class="article-info" >
                  Jeff Sommer on September 5, 2025            </div>
              <p class="article-description">
                  For the vast majority of people, the stream of promised retirement checks is worth more than anything else, our columnist says. <br />
                  <a target="_blank" href="https://www.nytimes.com/2025/09/05/business/social-security-wealth-benefits.html">Read more ...</a>
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