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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

What Credit Score Do You Start With? The Surprising Truth About Being Credit Invisible (2025 Guide)

"Michael, what credit score do you start at?" It’s a question I’ve heard countless times in my 25+ years as a financial advisor. Young...

The 15/3 Credit Hack: Fad, Fiction, or Fast Track to a Better Score? A Planner Exposes the Truth.

Alright, Michael Ryan here, and let's talk about something that’s been buzzing all over social media: the "15/3 credit hack." You've likely seen the videos. Someone...

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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

What Credit Score Do You Start With? The Surprising Truth About Being Credit Invisible (2025 Guide)

"Michael, what credit score do you start at?" It’s a question I’ve heard countless times in my 25+ years as a financial advisor. Young...

The 15/3 Credit Hack: Fad, Fiction, or Fast Track to a Better Score? A Planner Exposes the Truth.

Alright, Michael Ryan here, and let's talk about something that’s been buzzing all over social media: the "15/3 credit hack." You've likely seen the videos. Someone...

Negative Credit Card Balance? What It Means & How to Fix It!

Spotted a minus sign on your credit card statement and now you're wondering if you've broken the bank or stumbled into free money? ...

Smart Credit Card Balance Transfers: Stop Feeding the Interest Beast!

Did you know the average credit card interest rate is hovering around a staggering 21.37% in Q1 2025, as reported by the Federal Reserve. On...

The Best Books For Getting Out of Debt in 2026: Are You Ready?

Hi, I'm Michael Ryan, and after 3 decades as a financial planner. I've seen it all: the crippling weight of student loans, the anxiety...

Vanilla Gift Card Zip Code Not Working? Here’s How to Fix It Fast

Picture this: You're thrilled about making an online purchase—a gift for a loved one or perhaps treating yourself. You eagerly enter your Vanilla Gift...

Boost Your Credit Score Overnight: 100 Points Faster

Pondering the possibilities of promptly propelling your credit score by a hundred points can be both perplexing and promising. Unveiling the secrets to such a...

How to Strategically Hide Credit Card Utilization Rate & Boost Your Credit Score

Ever feel like your credit score is a mystery? You pay your bills on time, but the number just won’t budge. As a retired...

DSCR Loans: An Advisor’s 2025 Guide to Real Estate Investor Financing

I’ve spent nearly 3 decades in financial planning, guiding clients through the dot-com bubble, the 2008 crash, and the unpredictable markets that followed. In...

Payday Loan Calculator & Guide: How to Calculate Your Costs Effectively

Taking out a payday loan often feels like a quick financial fix. However, the long-term consequences can be complex, with towering interest rates and...

What If I Don’t Make 3 Times The Rent? Practical Tips & 3X Rent Rule Calculator

So, you're on the hunt for a new home to rent, but you've come across the common requirement of making three times the monthly...