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Sign up for the Napkin Finance newsletter to receive our exclusive insights (with a touch of humor) delivered to your inbox.

FICO and VantageScore are two of the most common c

FICO and VantageScore are two of the most common credit scoring models. But while they share a lot of similarities, such as considering:

1. your payment history
2. the length of your credit history
3. your credit utilization ratio
4. the mix of credit types you've used

they also have their faire share of differences!

For example, they treat certain items differently, like late payments, accounts in collections, and credit inquiries. So let's settle the score: which is the way to go?

Swipe up in today's stories to learn more!

Fact: It doesn’t have to be! Financial planning

Fact: It doesn’t have to be! Financial planning is a practice of defining your financial goals, assessing your progress toward those goals, and adjusting your approach to get you back on track.

Although it’s easy to assume you need a high-priced professional advisor to engage in financial planning, you can get started for free on your own by getting your finances organized and doing some brainstorming on your goals.

Looking for more support? Click the link in our bio to explore all our Finance Napkins & top 💲💲 tips.

E-filing means filing your taxes online. You’ll

E-filing means filing your taxes online. You’ll still need all the same documents you’d use to file a paper return, but you won’t have to worry about messy handwriting or missing pages.

You can e-file through a software program that walks you through the process step-by-step and calculates everything for you, or you can fill out your forms yourself and submit them to the IRS electronically. The main benefit of e-filing is that it can take the guesswork out of doing your taxes.

Automated e-filing software is built to ask you questions and then use your answers to calculate your taxes for you. So, instead of filling out those long forms and schedules and trying to follow complicated instructions, you can just answer the program’s questions and let it do all the work.

E-filing can also mean:

✅Faster processing times (meaning your refund should arrive faster)
✅Reduced chance of errors
✅No paper waste
✅No post office lines

(Pro tip: If you opt to have your tax refund deposited directly into your bank account, the process can be 100% paperless from start to finish.)

Do you e-file? Swipe up in today's stories to learn more in preparation for tax day!

Can you relate? 🤔😂

Can you relate? 🤔😂

Are you familiar with ESG Investing? ESG investing

Are you familiar with ESG Investing? ESG investing means investing in companies that do good (or at least don’t actively do harm).

With ESG investing, investors use various environmental, social, and governance criteria (hence: ESG) to find investments that could have a broader, positive impact on the world. ESG investors look for companies to invest in by screening for criteria in three categories:

➡️Environmental
Investors might look to avoid heavy-polluting industries or aim to proactively invest in clean-energy companies.

➡️Social
Investors may avoid investing in companies that manufacture weapons or actively seek out companies with above-average labor standards.

➡️Governance
Investors may scrutinize the diversity of a company’s board, the compensation of its executives, or what kinds of rights its shareholders receive.

Investors may apply their chosen set of criteria when deciding which companies’ stocks or bonds to buy. ESG strategies generally perform as well as or better than investment strategies that don’t use ESG criteria.

What are your thoughts or experience with this? Swipe up in today's stories to learn more.

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