Stephone Malone Coward II Stephone Malone Coward II is financial activist, who creates easily digestible content so people can make more informed decisions. His purpose is to build community and connect people to resources. He is CoFounder of BankBlackUSA & The COWRIE Initiative. He has nearly 20 years' experience and has been writing for over 3 years. About Better Homes & Gardens Better Homes & Gardens, a Dotdash Meredith Brand, is the only iconic home brand with a 100+ year history of providing trustworthy and achievable ideas for all doers and home-enthusiasts. We are the go-to resource for fresh takes on home, food, and gardening—inspiring people to bring their dreams to life at home on special occasions and every day. BHG reaches 45 million readers each month. Learn more about us and our editorial process.