Debt & Credit

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...

Mortgage & Home Title Fraud: What Every Homeowner Needs to Know

As a security and fraud investigator who teaches White-Collar Crime, I've seen the aftermath. Deed & home title fraud isn't a technical problem, but...

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...

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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...

Mortgage & Home Title Fraud: What Every Homeowner Needs to Know

As a security and fraud investigator who teaches White-Collar Crime, I've seen the aftermath. Deed & home title fraud isn't a technical problem, but...

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...

How Long Does It Take To Boost Your Credit Score?

That gut punch denial for a car loan? Or the apartment hunt ghosted because your FICO's stuck at 620? I've been there with clients....

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...

The Payday Loan Calculator: Exposing the True Cost of a Quick Fix

Taking out a payday loan often feels like grabbing a lifeline. When you're facing an unexpected bill and your bank account is empty, that...