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Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...
Michael Ryan

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

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Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

"Michael, what credit score do you start at?" It's a question I've heard from hundreds of young adults and new arrivals over three decades....

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 Get Out of a Reverse Mortgage Loan – Everything You Need To Know

Michael Ryan
Reverse mortgages allow older homeowners to tap into their home equity without having to make monthly mortgage payments. But what happens when you want...

How to Get a Startup Business Loan with No Money or Revenue & Fund Your Small Business

Michael Ryan
Are you dreaming of starting your own business but don't have any money to get it off the ground? Don't worry, because it is...

The Ultimate Guide to Short-Term Business Loans: Funding Your Success

Michael Ryan
Every business reaches crucial junctures where a bit of financial fuel can make all the difference. Maybe you spot an ideal new location but need...

Unlock Savings: How to Refinance Your Auto Loan

Michael Ryan
Are you feeling burdened by your car loan payments? Did you know that refinancing your auto loan could be the solution you've been searching...

Auto Loan Pre-Approval: How To Get Preapproved For a Car Loan

Michael Ryan
Are you planning to buy a new car? Whether it's a brand new or used car, securing financing is often necessary. So, how can...

Mastering the Art of Credit Card Balance Transfer: Guide to Optimize Credit Card Debt

Michael Ryan
Are you feeling suffocated by the weight of your credit card debt? Are you tired of seeing your hard-earned money vanish into a black...

Student Loan Off Your Credit Report? Here’s Why (2025)

Michael Ryan
Did a student loan suddenly vanish from your credit report? Or are you trying to remove one? Before you celebrate or panic, let's be...

How to Borrow Money From Cash App (And When You Shouldn’t)

Michael Ryan
As a financial planner who has spent 25 years pulling back the curtain on 'easy money' offers, I can tell you this: The Cash...

Emergency Loans for People on Disability: A 2026 Guide to the Safest Options

Michael Ryan
When you're living on a fixed disability income and a financial emergency hits, a car repair, an unexpected medical bill, the stress can be...

Discover Card: A Joke or a Genius First Credit Card?

Michael Ryan
Let's get this out of the way. You typed "Is Discover Card a joke?" into a search bar because you've heard the whispers. Maybe...

What Starting Credit Card Limit Will Venmo Give Me? A 2025 Data-Backed Answer

Michael Ryan
So, the Venmo app is dangling its credit card in front of you, and you're tempted. But before you agree to that "hard pull"...

Credit Card Cash Back Rewards: A Beginner’s Guide to Earning More

Michael Ryan
You see the ads and hear the term all the time: "credit card cash back rewards." It sounds like free money, but the world...
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