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Meredith Dietz is Lifehacker’s Senior Staff Writer. She earned her bachelor’s degree in English and Communications from Northeastern University, where she graduated as valedictorian of her college.

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Jeanine Skowronski is an editor, writer, and journalist with more than 15 years of experience in personal finance and business, including roles at Bankrate, CreditCards.com, and Policygenius. Her work ...