Rick Orford

Rick is a two-time best selling author and personal finance expert. He's been on media giants including Good Morning America and CTV, and is a regular contributor on MSN, Insider, Yahoo Finance, and many more. Rick is known as a respected, influential business leader that brings a proven ability to translate vision into reality. When not writing about finance, you'll probably find him planning his next adventure.

a shopper coping with an emotional spending addiction in milan italy

How to Avoid Emotional Spending: 9 Tips You Can Do Today

Are you wondering how to avoid emotional spending and perhaps wonder what it is and how to break the addiction? Or, maybe you’re reading this article to make better money choices – even for people with a higher education level. The challenge is that your instincts play a vital role when making money to spend …

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mortgage hack

How to Get a Mortgage: 15 INTELLIGENT Things You Can DO [NOW]

Are you thinking of investing in real estate? Maybe buying a home, or wondering what you’ll need to get organized for a mortgage? If so, you’ve come to the right place. In this article, I aim to give you, the reader, as much information as you might need before applying for a mortgage. Before delving …

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Rick Orford displaying ways to get out of debt by cutting credit cards

How To Get Out of Debt Fast in 2023 in [3] Simple Ways

Are you looking for ways how to get out of debt fast? In this article, I’m going to talk about the 3 steps on how you can pay off your debt fast, starting today. For sure, becoming debt-free is a significant part of becoming financially independent. Also, I’m going to show the #1 thing about …

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a group of millennials happy about improving their credit scores

How to Improve Your Credit Score [FAST] Using These 29 Best Ways

If you’re like millions of others, you’ve probably wondered, at least at some point, how to improve your credit score. My goal is to discover and pick apart all the moving parts that make up a credit score in this article. Your credit score is just one piece to improve from your financial puzzle. However, …

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a millennial woman reads how to sell a structured settlement

What are FHA Loans and VA Loans in the United States?

FHA loans and VA loans are mortgage loans insured by the government and available for potential homebuyers.  FHA loans are available to lower-income borrowers and typically require a very low down payment. Also, borrowers get competitive interest rates and loan costs.  VA loans are available to veterans and their spouses or widows/widowers. VA Loans require …

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a millennial holding the best credit cards

Best Credit Card Features for 2023: Our [TOP 10 List]

No doubt, in , there are many credit cards to pick from, but how do you choose the best one? In this article, we’ve asked the experts. We came up with a list of the different types of credit cards and their features to be on the lookout. If you can use the best features …

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a millennial looking at housing inven

How to Invest in Real Estate When You’re Young: 14 Best Tips

When investing in real estate with little or no money, the key is getting an early start while you’re young. To be sure, investing in stocks or anything else is no different!. Investing in real estate is like a slow-moving avalanche. It starts with a little chunk of snow rolling down the hill. Then as …

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A Millennial Working on their budget spreadsheet

How to Make a Budget: 7 Simple Mind-Blowing Tips

Are you wondering how to make a budget? If you’re like most, you might realize that while you need to do it, but perhaps you don’t know where to start. Indeed, as Hirsch Serman from Lifecycle Financial LLC. states, “it’s unfortunate that in our society we teach our children to iron a shirt, cook, and change …

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A millennial celebrating after learning how to pay off debt fast

How To Pay Off Debt Fast – The 2 Things you Need to Do

Are you wondering how to pay off debt fast, if you think you have no money? Indeed, in this article, I’ll cover some strategies you can do today to pay off debt, fast. The best way for Americans to learn how to pay off debt fast, even with no money is by reducing spending, increasing …

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