Ashley Graham nailed an early-2000s fashion trend for her latest maternity look | While in New York City, Ashley Graham donned a knit dress, matching cardigan, and black thigh-high boots.

Ashley Graham nailed an early-2000s fashion trend for her latest maternity look

Ashley Graham nailed an early-2000s fashion trend for her latest maternity look

Ashley Graham nailed an early-2000s fashion trend for her latest maternity look

Ashley Graham nailed an early-2000s fashion trend for her latest maternity look

Ashley Graham nailed an early-2000s fashion trend for her latest maternity look

Ashley Graham nailed an early-2000s fashion trend for her latest maternity look
Ashley Graham nailed an early-2000s fashion trend for her latest maternity look
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Ashley Graham visits the SiriusXM Studios in New York City.
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Ashley Graham visits the SiriusXM Studios in New York City.
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Theo Wargo/Getty Images

Ashley Graham is bringing one of the biggest fashion trends back from the early 2000s.

On Monday, the mom-to-be visited the SiriusXM Studios in New York City wearing a stunning maternity look. She wore a brown cardigan over a matching knit dress, which had a scoop-style neckline and long skirt. The bottom of her dress also featured a short slit across her left leg.

To match her autumnal fashion, Graham also donned black thigh-high boots, gold necklaces, and neutral makeup.

Ashley Graham's recent ensemble retails for $348.

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Ashley Graham’s recent ensemble retails for $348.
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Theo Wargo/Getty Images

Though it looks high quality, Graham’s recent ensemble doesn’t cost as much as some might assume.

At the time of writing, her two-piece ensemble is available at Free People for $148. Her Sam Edelman heels, however, are bit more pricey, retailing for $200.

And while Graham’s outfit looks entirely modern, it actually features a nod to the early 2000s. Throughout the early aughts, button-up cardigans were a staple in many wardrobes. The garments were typically worn over camisole tank tops, though some people also wore them as tops.

Now, they’re coming back in style. Even Bella Hadid wore a cropped cardigan while out in New York City last month.

Bella Hadid walks around New York City on October 11, 2019.

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Bella Hadid walks around New York City on October 11, 2019.
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Gotham/Getty Images

Graham’s knit dress is one of the most casual maternity outfits she’s worn throughout her pregnancy

Just days prior, the model showcased her style in a sleeveless form-fitting gown at the the CFDA/Vogue Fashion Fund Awards.

She wore a Christopher John Rogers dress, which was sleeveless with a ruched ankle-length skirt. It also had a purple-and-green hue, which created a duo-chrome effect.

Ashley Graham attends the CFDA/Vogue Fashion Fund Awards in New York City.

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Ashley Graham attends the CFDA/Vogue Fashion Fund Awards in New York City.
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Jamie McCarthy/Getty Images

Even earlier on Halloween, she slipped into a latex Jessica Rabbit costume that was custom-made for her. She shared photos of the look, which also included purple latex gloves, on Instagram.

She also experimented with a maternity leotard in September. She wore the strapless garment underneath a sheer maternity dress while attending the 2019 Savage X Fenty fashion show in New York City.

Ashley Graham attends the 2019 Savage X Fenty fashion show in September.

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Ashley Graham attends the 2019 Savage X Fenty fashion show in September.
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Kevin Mazur/Getty Images
The 20 most-watched shows on Netflix in 2019, so far

The 20 most-watched shows on Netflix in 2019, so far

Alison Brie stars on
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Alison Brie stars on “Glow.”
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Netflix

2019 saw the release of numerous much-anticipated shows on Netflix, including new seasons of hits like “Stranger Things” and “Orange Is the New Black.”

While other major shows like “Glow” and “Queer Eye” also released new seasons this year, lesser-known series like “You” and “Dead to Me” were also big hits with Netflix viewers this year.

We analyzed data from TV Time to compile the 20 most-watched shows on Netflix this year – so far.


20. Season three of “Glow” premiered on Netflix in August of this year.

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Betty Gilpin and Alison Brie star on “Glow.”
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Netflix

“Glow” follows a group of women wrestlers as they perfect their craft and navigate various personal crises, including divorce, abortion, and infidelity. The show was recently renewed for a fourth and final season.


19. “Love, Death, & Robots” is an animated sci-fi anthology series.

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“Love, Death, and Robots” currently has one season (18 episodes) on Netflix.
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Netflix

The plot of each episode varies, but most of them are adaptations of short science fiction stories, including one which details a sentient yogurt’s rise to power.


18. Linda Cardellini and Christina Applegate star on “Dead to Me.”

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Linda Cardellini and Christina Applegate play grieving women who bond in therapy on “Dead to Me.”
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Netflix

The show focuses on Cardellini and Applegate’s characters as they come to terms with their grief, while also unraveling a mystery at the center of their friendship.


17. “Queer Eye” released its fourth season in 2019.

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Season four of “Queer Eye” takes place in Kansas City, Missouri.
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Netflix

The show follows five queer men – Tan France, Antoni Porowski, Bobby Berk, Karamo Brown, and Jonathan Van Ness – as they travel across the country and make over people in need.

“Queer Eye” was recently renewed for a fifth season.


16. “You” is a somewhat recent addition to Netflix.

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Penn Badgley and Elizabeth Lail star on “You.”
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Netflix

The drama focuses on a charming bookstore owner who meets an aspiring writer – and quickly takes things to the next level.

“You” first premiered on Lifetime, but became an unexpected hit when it was added to Netflix last year. The second season premieres on December 26.


15. “Grace and Frankie” is the longest-running Netflix original series.

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Jane Fonda and Lily Tomlin star on “Grace and Frankie.”
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Melissa Moseley / Netflix

The show follows two women who become friends after their husbands fall for each other and leave them. “Grace and Frankie” was recently renewed for a seventh season, making it Netflix’s longest-running original series.


14. “Big Mouth” is an animated teen comedy.

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“Big Mouth” currently has three seasons available to stream on Netflix.
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Netflix

Adult animated sitcom “Big Mouth” follows suburban teenagers on the outskirts of New York as they navigate puberty and high school hierarchies. Also in the mix are the “hormone monsters,” who act as the hypersexualized consciences of many of the teens.


13. “The Ranch” stars Ashton Kutcher.

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Ashton Kutcher plays a former football player on “The Ranch.”
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NETFLIX

The show takes place in a fictional Colorado town, and follows a dysfunctional rancher family and their interactions with the local townspeople.


12. “Mindhunter” follows two FBI agents as they attempt to profile and identify serial killers.

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“Mindhunter” frequently portrays real life serial killers.
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Netflix

The serial killer-centric show is produced by “The Social Network” director David Fincher, and is based on a true-crime book about the FBI’s behavioral science unit.


11. “Designated Survivor” stars Kiefer Sutherland as the president.

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“Designated Survivor” originally aired on ABC.
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Ben Mark Holzberg/ABC

The show starts with the mass murder of most of the US government – and follows Kiefer Sutherland’s character Thomas Kirkman as he becomes president and grapples with the pitfalls of his new position.


10. “Black Mirror” is one of Netflix’s more successful shows.

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Miley Cyrus starred on an episode of “Black Mirror.”
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Netflix

“Black Mirror” is a dystopian anthology series that explores the sinister effects of technology and modern advancements.


9. “Santa Clarita Diet” stars Drew Barrymore as a bloodthirsty housewife.

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“Santa Clarita Diet” was also one of the most-binged shows on Netflix in 2019.
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Saeed Adyani / Netflix

The show focuses on Barrymore’s character Sheila as she learns to manage her enthusiasm for human flesh, while also maintaining her role as a suburban wife and mother.


8. “Chilling Adventures of Sabrina”

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“Chilling Adventures of Sabrina” is a much darker take on the character than the hit ’90s sitcom.
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Netflix

Kiernan Shipka plays teenage Sabrina Spellman, a half-human, half-witch fighting the evil forces in her town.

The show is based an Archie comic book series of the same name, and features numerous references to both the original comics and “Riverdale,” which ostensibly occurs in the same universe.


7. “Marvel’s Jessica Jones” is set in the Marvel Cinematic Universe.

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Krysten Ritter stars on “Jessica Jones.”
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Netflix

The show follows ex-superhero Jessica (Krysten Ritter) as she comes to terms with her new profession as a private investigator and reconciles with her past.


6. “The Umbrella Academy” is based on a comic book series.

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“The Umbrella Academy” was also one of the most-binged shows on Netflix this year.
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Christos Kalohoridis/Netflix

A group of misfit superheroes come together to fight evil forces and learn more about their mysterious upbringing on the show.


5. “Marvel’s The Punisher” was one of Netflix’s most popular shows this year.

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Jon Bernthal plays Frank Castle on “Marvel’s The Punisher.”
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Netflix

“The Punisher” is a “Daredevil” spin-off, and follows Frank Castle as he uses lethal force to punish criminals.


4. “13 Reasons Why” stars Katherine Langford.

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Katherine Langford plays a deceased high school student on “13 Reasons Why.”
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Netflix/Facebook

The show revolves around a high school student who leaves postmortem messages for her group of friends after she commits suicide.


3. “Orange Is the New Black” is based on a memoir by Piper Kerman.

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Samira Wiley stars on “Orange is the New Black.”
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Netflix

The critically-acclaimed show was also beloved by fans, and follows a inmate named Piper as she adjusts to her life in prison and navigates personal relationships behind bars.


2. “Lucifer” was also one of the most-binged shows on Netflix in 2019.

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Tom Ellis (left) plays the devil on “Lucifer.”
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20th Century Fox

“Lucifer” features characters originally created by author Neil Gaiman for DC Comics, and explores what it would mean for the devil to actually have a soul.


1. “Stranger Things” was the most-watched show on Netflix this year. It was also the most-binged and the most-talked about series.

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Millie Bobby Brown and Sadie Sink star on “Stranger Things.”
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Netflix

The hit show follows a group of teenagers in 1980s Indiana as they confront nefarious forces from an alternate dimension (called the Upside Down), and also come to terms with themselves as they enter young adulthood.

The iconic dress Princess Diana wore to a White House dinner in 1985 is hitting the auction, and it’s expected to go for as much as $450,000

The iconic dress Princess Diana wore to a White House dinner in 1985 is hitting the auction, and it’s expected to go for as much as $450,000

Princess Diana was known for her memorable (and at times, shocking) style moments. Now, one of the late royal’s most iconic dresses can be yours – for a few hundred thousand dollars.

WWD reported that a Victor Edelstein royal blue evening gown that once belonged to Princess Diana is being auctioned off as part of the upcoming “Passion for Fashion” auction organized by Kerry Taylor Auctions, set to take place on December 9. According to WWD, the dress is expected to sell for between 250,000 to 350,000 pounds (or about $325,000 to $450,000). The auction will also include two other dresses from Diana’s wardrobe: a blue Katherine Cusack evening gown and a Catherine Walker navy blue wool dress.

The late Princess of Wales wore the Victor Edelstein dress several times, most memorably at a White House state dinner hosted by then-President Ronald Reagan and his wife Nancy Reagan in 1985. At the dinner, Diana twirled around on the dance floor with fellow guest John Travolta as songs from “Saturday Night Fever” played.

Victor Edelstein Midnight Blue Velvet Gown worn for a State dinner at the White House when Diana danced with John Travolta in November 1985 is displayed at a photocall ahead of the the

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Victor Edelstein Midnight Blue Velvet Gown worn for a State dinner at the White House when Diana danced with John Travolta in November 1985 is displayed at a photocall ahead of the the “Fit For a Princess” auction on March 15, 2013 in London.
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Karwai Tang/WireImage

It will be the third time this particular gown is being sold. Harper’s Bazaar reported the royal auctioned off the Victor Edelstein dress (along with several other gowns) to raise money for cancer and AIDS charities just two months before she died. In 2013, the gown was auctioned off again, this time by Kerry Taylor Auctions; it sold for 240,000 pounds (or roughly $311,000).

During a 2016 interview with Good Morning America, Travolta recalled the memorable moment when asked whether there was any part of the 1980s he’d want to bring back: “I danced with Princess Diana in 1986 and that was one of the highlights of my life.”

Compound interest is either your best friend or your enemy. Here’s how to make it work for you.

Compound interest is either your best friend or your enemy. Here’s how to make it work for you.

Unlike compound interest, simple interest uses only the principal to calculate interest.
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Unlike compound interest, simple interest uses only the principal to calculate interest.
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Maskot/Getty Images

Compound interest can be one of the most beneficial or damaging things to your wallet. And it all depends on whether you’re earning it or paying it.

When you’re earning compound interest, you could end up with a far larger balance than you initially invested. But when you’re being charged compound interest, you could end up paying far more than you ever borrowed.

But what is compound interest anyway? How does it work and how does it differ from simple interest? Let’s take a look.

What is compound interest?

Compound interest is the process of adding interest to a principal amount and basing future interest on this new balance. Here’s how it works.

Imagine that you invest $100,000 in the stock market and in year one, you earn a 10% return. That would be $10,000 in growth, increasing your overall portfolio value to $110,000.

Then, in year two, you earn another 10%. But, remember, now you’re earning 10% of $110,000 instead of $100,000. So you’d actually earn $11,000 in interest in year two, bringing your account value to $121,000.

That may not seem like a big difference. But compound interest continues to gain steam over time. Each year, you’d earn slightly more interest on a slightly larger balance. In fact, at a 10% annual return, compound interest would help your account grow to over $1 million in just 25 years.

compound interest

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Investor.gov

And that’s without making any additional contributions during the entire 25-year span.

How compound interest compares to simple interest

Now, let’s take the same example from above and imagine that you were paid with simple interest instead.

If you earned 10% simple interest, you’d earn $10,000 each year over the course of 25 years – you’d only ever earn interest on your principal investment.

So over 25 years, you’d earn $225,000 in simple interest. After adding that to your initial $100,000 balance, you’d find your final balance to be $350,000.

That’s over $650,000 less than what you’d have if your interest had compounded all along the way.

Thankfully, most investments use compound interest. On the other hand, simple interest is most commonly used on installment loans, like mortgages and car loans.

That’s generally good news. But there are situations where you could be charged compound interest on debt, which we’ll discuss later.

How often is interest compounded?

The amount that you earn (or pay) with compound interest is influenced greatly by the compounding frequency.

When you’re comparing CDs or high-yield savings accounts, for example, you could see a variety of compounding schedules, such as daily, monthly, or semi-annually

The more frequent the schedule, the more compound interest you’ll earn over time. So an investment product with a slightly lower interest rate could still be more valuable to you over time if the compounding schedule is more frequent.

To help you determine the true value of compound interest over time, you’ll need a way to calculate it. We’ll discuss how to do that next.

How to calculate compound interest

Not a fan of math? That’s OK.

You don’t have to calculate compound interest with pen and paper. There are plenty of tools available that can help you calculate compound interest in a matter of seconds.

For instance, Investor.gov has a compound interest calculator that’s simple and easy to use. Simply input your principal balance, estimated interest rate, and length of time, and the compound interest calculator can show you immediate results.

Do you plan to continue making regular contributions over time? The compound interest calculator can take that into account as well.

The compound interest formula

If you’re ambitious and would like to make the calculations yourself, here is the compound interest formula:

FV = PV x (1 +i)n

In this formula, FV means Future Value, PV means Present Value, i means interest rate, and n means number of compounding periods.

So let’s say you wanted to calculate your compound interest earnings on a $10,000 investment earning 5% interest compounded annually over five years. Here’s how that would be expressed in the above formula.

  • FV = $10,000 x (1 +0.05)5
  • FV = $10,000 x 1.055
  • FV = $10,000 x 1.2762
  • FV = $12,762.00

Another quick way to calculate your compound interest return is by using the Rule of 72. This rule shows you how quickly you can expect your investment to double over time.

It’s easy to use the Rule of 72. Just divide the number 72 by your expected interest rate. So if 6% was your expected rate of return, you could reasonably expect your investment to double every 12 years (72 divided by 6 = 12).

How to avoid paying compound interest

Earning compound interest is great. But paying compound interest is anything but. In fact, it can have disastrous effects on your finances.

As mentioned earlier, most large loans, like auto loans and mortgages, use simple interest formulas. However, there is one kind of debt that does use compound interest: credit cards.

Most credit card issuers compound interest on a daily basis. That interest will begin to accrue the day you make a purchase with your credit card.

However, the good news is that most credit card issuers will give you a grace period up until your due date. In other words, if you pay your statement balance in full by the due date, they will waive the interest charges. But interest will be assessed to any portion of the balance that is left unpaid.

So if you don’t want to pay compound interest, you’ll want to avoid carrying a credit card balance beyond your due date whenever possible.

More coverage from How to Do Everything: Money

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