The Art Of Wealth: Credit Card Makeover: Myths, Hacks, And Action Plans You Shou


The Art Of Wealth: Credit Card Makeover: Myths, Hacks, And Action Plans You Should Know To Smartly Manage Your Credit Card Debts And Stay Rich

Steve Ryan


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Copyright © 2014 by Steve Ryan at MoneyVersity.net

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Too many people think about credit cards in a very negative way.

They believe that credit cards are dangerous. The same people believe credit cards can cause a ruin in their personal finance life.

They believe that credit cards make them buying things they do not need and want, and the only people benefit from such cards are the issuers.



By Steve Ryan (Available in MoneyVersity.net)

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The Art Of Wealth: How You Prevent YOU From Getting Rich: 7 Sneaky Money Habits Everyone’s Doing That You Should Not Do

The Art Of Wealth: 47 Proven Money Habits You Might Not Know Will Turbocharge Your Personal Income: ”Money Dos” To Build Wealth & Maximize Your Potentials That Actually Work


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Sneak Peek


Let’s Connect!


MYTH 1: Credit card is trouble. Credit Card is bad news.

Maybe it is time for them to grow up, stop pointing finger at anything else but themselves, and realize that they might be the problem.

Yes, credit card can be dangerous. But so is knife. So is fire. So is a wrench.

It depends on the human brain that processes and uses it.

All credit cards do is providing leverage to us. For instance, if our car breaks down and we need a temporary, used, jalopy immediately, it is still going to cost at least $2,000.

Most people do not have cash that much. Credit card can be a great tool to get the used car without us having to find that much cash immediately.

Sure, the same person can instead use the credit card to purchase a new BMW, but hey, whose fault is that?

If the person do not have the resources to buy luxury, well then, he or she should be conscious enough to use the resources to pay for necessity.

Too many people abuse the leverage provided by credit cards, just like too many people abuse the tranquilizing effect of a marijuana and alcohol.

Credit cards can’t walk to the store or Amazon.com and use themselves, do they?

The problem lies on the degree of financial education of each individual who uses credit cards, but not the cards themselves.

Stop pointing finger. Start growing up.

The problem is US (you and me), not credit card.

MYTH 2: Credit card won’t get you rich.

Credit cards won’t be beneficial for your wealth at all

This is a very strong statement coming from people who, to put it simply and blatantly, do not understand how to utilize credit cards to help them building wealth.

We have to know how to “befriend our credit cards”. They will then help us to get rich.

How so?

Well, first of all, by going back to the basics.

We can use the leverage offered by our credit cards to actually make more money. For instance, if you are starting a new company from scratch. You know what you are doing (perhaps you had experiences in the past within the same industry), so you know the odds are with you.

A lot of people will not recommend to fund your business with your credit cards. I would say, “Hold on. Let’s take emotion out of the equation and observe the details.”

Because after all, that is where the angels and devils are. The details.

Nowadays, majority of credit cards offers 0% APR within the first 12 month of account opening. Some even offers 24 months of 0% APR. One of those, Chase Slate , even offers to waive the balance transfer fee (typically 4% of the balance transferred or $10, whichever is greater). I can assure you that you will never use the latter option though.

Now imagine that your credit limit is $10,000 (which is not too hard, assuming your credit score does not super suck). This means that you have $10,000 of OPM (Other People’s Money) you can use without having to worry about paying interests for 12-24 months.

That is, to me, pretty great deal. Of course, you have to know what you want to do with that $10,000.

If, instead of using the money to build a business, you use it to buy the newest Tesla car or pay for a wild Vegas weekend, then you case is beyond hopeless.

Have a plan before using the credit card leverage. Just like everything else in life, the problem is you. If you know how to use the leverage (credit card debts) to enrich yourself, then you will be.

The second way to get rich using credit cards is by utilizing their rewards system.

Do you have a reward cards? Many of them offer a lucrative rewards for you to just use them every day. Do you buy McDonald’s, Dunkin Donuts coffee, 2% milk, toothpaste, wheat bread, or salt and pepper every day / week? Why not using your cards to purchase all those small ticket items?

The points accumulated can be converted to $100 Wal-Mart or Target gift cards, $100 Best Buy or Banana Republic gift cards, or for some cards, Amazon credits.

For me personally, I travelled back and forth to Asia (China, Indonesia, Singapore, Thailand, and more) using the sign-up bonus provided by Chase United, Chase Sapphire Preferred, and Citi AAdvantage.

For you who never travel to Asia, the round-trip flight from Chicago typically ranges from $1,500-$2,000 for economy class.

That’s about $6,000 savings for me, just by utilizing those cards’ reward systems.

Who says credit cards can make you money? Imagine what you stand to gain by keeping these points in mind.

There is a caveat of course.

You should exercise some caution with them. Some holders use this types of reward cards and surprise, surprise, abuse them.

This happens when they charge more than the worth of the rewards due to lack of attention to fees and rates that accompany their credit card.


MYTH 3: Credit scores are affected by the amount of cards you have, as well as your degree of income.

This last myth is the most popular one among the credit card haters.

To them, applying for and then owning too many credit cards equal to credit score apocalypse.

They are worried about how their low credit scores will affect them when they want to buy houses they would never buy, or when they want to get that new Lexus they would never get.

Yeah, I am being sarcastic here.

I have seen too many people passed on great opportunities to save or even make money using the credit cards reward system they potentially could have gotten.

For what? That 700+ credit score?

I can understand if you are planning to purchase the house next month, or get that new car next week. However, a plan without a timeline is just a “wishy-washy”.

And unfortunately, that is the case for most people.

Again, we have to realize that the devils and angels are always in the details.

Here is a great article from CreditKarma.com about what factors affecting your credit score.

Sorry Sir, your credit card usage history is a concern for us. We can’t issue you a new card at this moment.”

I heard it few years ago. My friend was once “blacklisted” by JP Morgan Chase for having too many credit cards.

And I admit, his FICO credit score was below par (610) at one point in 2014.

However, within a year of paying his minimum payment on time, his score went to 762 – about 40 points higher than the time he applied for Chase Slate.

He needed quick $15,000 leverage to start up his company. So he applied for the card (this is the one with ZERO balance transfer fee --- something no other cards offer at the moment), got approved, and transferred all his startup expenses to this card.

Granted, his score took a hit, as I mentioned above. Nevertheless, his company was up and running.

And within a year…his score was back to the roof!

762 is not bad score at all

Below is his credit card statement showing $15K “loan” from Chase Slate.

I would recommend this card for someone who needs to transfer his or her BIG balance from another credit card.

Promise that you will only use the new freedom to make more money, and never splurge it like many stupid, poor people do.



Since credit card debt is the most common consumer debt, it is not surprising we start with this.

Call the credit card and ask to speak with the Credit Manager if must. When calling, you can negotiate the credit card company to:

• Lower your interest rates

• Extend your 0% APR promotional period

• Waive your late fees

• …and more

Make sure you write down the full name of the Credit Manager (or any decision maker) and if possible, get the ID number. Be straightforward. Tell them you want to pay the debt, but ask for a payment plan.


If the question “Is consolidating credit card debt a good option?” is put across, would most people do it?

Well, the answer will more often be yes than no. Consolidating credit card debt is frequently regarded as the opening move towards credit card debt elimination.

Consolidating credit card debt is not a means of deferring the issue for later. Consolidating credit card debt is indeed a great option in more than one sense. Not only do you get relief from the speedy increase in your credit card debt, but likewise get additional advantages too.

Offers for consolidating credit card debt are in abundance and are really attractive indeed. Almost all the offers for consolidating charge card debt have an initial low APR period during which the APR is commonly 0% (or some low figure).

As a matter of fact, this is one of the main things which make consolidating credit card debt a really attractive option.

Besides this low APR, the offer for consolidating charge card debt might include ZERO interest rate on the purchases made during first twelve months (or some other initial period) of balance transfer.

This is another thing that lowers the speed at which our credit card debt extends.

So these are the two most important advantages that charge card suppliers deploy to attract individuals into consolidating charge card debt with them.

Nevertheless, there is risks involved. One of them is the risk of complacency.

When we transfer huge balance from one of our cards to another card (with 0% interest, I presume), we pretty much pay 3-5% (in balance transfer fee) of that balance to buy more time.

Many people get complacent and rest because they feel that they have “another year” or “another 18 months” to work on their debts.

This can be dangerous.

Another risk is the lapse in discipline. Now that we can be sure no creditor will come and knock on our door, we start to spend unwisely again.

After all, fear is the biggest motivator and if we transfer our deadline-approaching balance, we transfer (delay) the fear for another year.

Now we see why debt consolidation is personal, don’t we?

Without a good mentality and commitment, it would be nearly impossible for someone to get out of his or her financial drought.

Pay some monthly bills in advanced

If you pay more than the minimum amount, then you will be able to get rid of all the debts sooner and easily.

Try to do the same thing with all of your debts that you can afford. It would be better if you do this preferably with a loan with the highest interest rate.

For you to clear your debt on time, you have to be ready to pay the price and cutting your monthly expenditure to pay more than the minimum amount is one of the sacrifices to be made.

Remember that the APR is on your side every time you pay your balance early or more than the minimum. Take advantage of this whenever you have extra money.

Snowballing Method for Credit Card Debts

The snowball method is the credit card debt reduction strategy that works effective for most people.

How does it work?

If we owe on more than one credit card account, under this method, we will start paying off those debts starting with the smallest balances first, while paying the minimum payment on larger debts.

Once the smallest debt is paid off, we then proceed to the next slightly larger small debt above that, so on and so forth.

The snowball technique may assist us in attacking our credit card debt and repaying your large interest balances much quicker than we could by merely using a random payment arrangement. What we want from this method is to:

Get Momentum.

The idea of taking control of our financial life is to increase our cash income monthly. The extra cash flow we have means the more we can create a more beneficial lifestyle.

Every debt has a minimum month to month payment. By paying back the lowest balance credit card account first, we remove a whole fixed payment, right away making our remaining funds reach further.

We would then use the funds e were using to pay off the lowest credit card debt balance and shift our focus to the next most minor debt. We replicate this method till we are left with our individual, biggest debt.

This exercise is named “snowballing” in financial planning industry as the amount of cash we send into every payment gradually snowballs…as every debt is cut down until we are sending in large sums of money to attack our largest, and final, debt.

An individual who has a $10,000 balance on a U.S bank credit card, a $3,000 department store credit card, and a $1,000 fuel station credit card would send in all the extra funds to the $1,000 fuel station credit card.

When this debt has been cleared, he/she would take all of the funds that has been going into it and attack the $3,000 department store credit card. This rhythm replicates until all of the debts are paid back.

It really is an efficient manner to cut back and pay back credit card debt and it is simple to understand.

The snowball technique discussed above is designed to assist us in paying back credit card debt by dispatching in supposed micro-payments. These payments might virtually be a few dollars and, over time, sum up to large balance reductions, saving us thousands in interest disbursal.

People frequently brush off the ability of small amounts. As with everything in life, there is a compounding force that makes things to work. It is the same principle how successful people like Steve Jobs, Jeff Bezos, Peter Thiel, or Elon Musk created their innovations, or Warren Buffet, Paul Tudor Jones, Carl Icahn, or George Soros built their giant investment portfolios.

Bits by bits and utilizing the compounding effect of small habits.

Our small efforts may not appear like they are even making a dent in your credit card debt. However, once they add up, over a few years, the outcomes will be nothing less than spectacular!

It is the nature of the world.

Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”

Albert Einstein

These small, multiple, seemingly-insignificant payments may:

1) Further align paychecks and payments.

Do you acquire paychecks weekly? Make a small payment each week instead of one large one monthly. You will level your month to month cash stream.

2) Get rid of credit card debt faster, in same fashion a bi-weekly mortgage works.

With bi-weekly mortgages, householders pay half their month to month mortgage total, but they pay it every 2 weeks.

With fifty-two weeks in a year’s time, that implies twenty six half payments or thirteen month to month payments instead of twelve. On a mortgage, bi-weekly payments may knock off about 7 years from a 30-year mortgage. The equivalent principle would work if you divide your month to month payment in two and then pay that total every two weeks.

Take advantage of windfalls. When we find ourselves in the habit of paying multiple times, credit card payments will spring to mind if any windfall falls into our wallet.

Develop effective payment habits. Viewing our balance come down daily will keep us focused on the chore of escaping from the debt and build a sense of accomplishment.



There is always space for improvement, no matter how long you’ve been in the business.”

Oscar De La Hoya

Assuming we manage to consolidate and pay off our debts, what’s next?

Do you know why most overweight people who want to lose weight fail?

The other side of the equation: People who want to get buff fail to hit the gym. Or people who want to stop smoking quit trying after a while.

The reason is they look at those activities as “external things”.

They fail to internalize those processes and to make them part of their lifestyles.

The same goes for debts.

Without changing our lifestyle once we clear our debts, we are prone to fall again to the same deep hole.

And we all know who the fools will be this time. Fool me once…shame on you. Fool me twice….

So what can of lifestyle changes that will work for people are free from debts recently?

Unfortunately, there is no right or wrong answer. Like I always say, MONEY is PERSONAL.

Nevertheless, several things I did in the past or I saw many people did are:

Dining In More

Having meet ups with friends on a Friday night is all right if you do it once in a while. However, this can be expensive if you add them up at the end of the month.

Dress Smartly

Of course, if you are the kind of individual who loves signature and designer clothes, don’t expect that there will be something left from your take home pay. Rather than being trendy, wear clothes that may easily be matched with your clothes.

Shopping For Groceries

As much as possible don’t go with items that are brand names. Search for off brands and try looking for items on the highest or lowest shelves for best prices.

Grab the opportunity and shop during sales or use coupons.

Frankly speaking, this one is one of the most common advices I have heard.

But I am probably a contrarian here. I am playing The Devil’s Advocate.

I understand the urge to find coupons and find the best ‘hot deals’, but I, in all honesty, am not a big fan.

After all, why spending our time focusing on small savings while we can make it big?

But that is just me. I’d rather find the best real-estate deal in town, or spend my time reading Think And Grow Rich or Secrets Of Millionaire Mind than browsing the Sunday newspapers for deals.

Going Out Wisely

There are cheap ways to bond with your loved ones and be entertained like going to libraries, local parks, picnics, visit friends and local church.

Prepare For the Rainy Days

Remember to always pay yourself first!

If you do this during the time you are in debt, then you have to do it even more when you are debt-free.

Save some money in the checking account in case cold-hard cash is needed during an emergency. We all know that we are losing money if we leave our cash to the banks, so put some in Index Mutual Funds.

Always have insurances! Whether it is for your home, your car, your health (very important!), or even your travel, insurance might seems trivial until you actually need it.

My friend once had to ask for clemency from the hospital because he was being charged $9,000, for appendicitis surgery! In Asia, the procedure will cost less than $1,000.

Track Your Expenses

We can also befriend our credit card companies by transferring our debts (other than credit card debts) to our card with advantages.

What advantages? They might include things like additional reward points on the member’s reward program of the credit card we are consolidating credit card debt to.

These reward points may be redeemed for other attractive goods/rebates/rewards etc. Occasionally, the new credit card (i.e. the one we are consolidating credit card debt to) may be a credit card that caters more to our present spending needs both in terms of charge limits and the way we spend our cash.

For instance, if we consistently travel with American Airlines and we want to purchase, let’s say, a used furniture with 12 monthly payments. We could open the Citi AAdvantage MasterCard credit card and pay our monthly payments with it.

We will be able to take advantage by the points awarded by the card and cash them out to pay for our airline fares.

Sounds aggressive? It is because it comes with risks just like how balance transfer is not free of risks.

There is no one size fits all in credit card debt consolidation. After all, everyone handles money and its byproducts --- including debts ---- differently.

Future Planning

Are you familiar with Roth individual?

IRS regulations allow you to obtain Roth individual retirement account contributions you have built within your account, but not the profit earned on the funds

Put differently, if you have contributed $20,000 into a Roth individual retirement account over the past decade and have brought in $10,000 in profits, you are capable of taking out up to $20,000 with no harmful tax penalizations or outcomes.

Of course, you lose decades of building your funds outside of the reach of Uncle Sam, but that is much better than drowning in high interest credit card debt.

Like I said in the beginning of this section, this last method is strictly informational. I personally have not applied any of them so consult your financial advisers before taking any action.


Let’s get real…

…and grow up.

Blaming our financial situation on the “evil” credit cards is just childish.

It does not fix the core of the problems. Heck, it does not fix ANY of our financial issues.

Credit card, just like a wrench, a knife, a screwdriver, and surprise surprise, money itself, is just a tool.

We can use those tools above to make our life better, or to hurt somebody including ourselves.

The common denominator among those tools above is…


Take a look at ourselves now and ask, “How can I use these credit cards to further enhance my personal financial life?”

Sneak Peek

The Art Of Wealth: How You Prevent YOU From Getting Rich: 7 Sneaky Money Habits Everyone’s Doing That You Should Not Do


There are 350 varieties of sharks, not counting loan and pool.”

Louis Malcolm Boyd

My first money mistake involves a cool and speedy ride.

It was 2006 and I have been working at my first job after college for a year.

I made pretty good money. Not crazy good, but enough. I also lived in the Chinatown area of Chicago. My rent was about $650 per month which was a pretty good deal considering the location was closed to Downtown Chicago, and was surrounded by exotic culinary places.

I was driving a 2000 Mitsubishi Galant at that time. I have been driving that car since my sophomore year in Indiana University. But, I had a dirty little secret: I loved driving manual cars more than ‘matics (that’s how my buddies called a car with automatic transmission).

The art of driving, in my opinion, is in manual transmission.

So I started to think to get a new car. But what kind of car I should get?

And I was thinking “cool” rather than “high resell value”. I was thinking “fast” rather than “efficient”.

Unless you are a car lover or car racer, you can’t go more wrong starting your car search with those two mindsets.

My flat mate at that time, as well as my older brother, were car lovers. They drove Special Whatever Edition of Mini Cooper and Porsche.

I actually never really cared about cars. Don’t get me wrong. I love nice cars but it was never something I would sacrifice much of my money and time for.

The fact that I just recently paid off my student loan by winning on the poker table also boosted my irrational exuberance thinking that I needed a “new sports, manual car”.

So I went hunting. I considered Mazda Miata, Nissan Infinity, Honda S-2000, Subaru Impreza, and Honda Prelude. All of them could come with manual transmission. All of them sports cars. All of them cost at least $25,000.

Then I settled with a new 2005 Mazda RX-8.

2005 Mazda RX-8. Rotary Engine.

I must say it was the coolest car I have ever driven, apart from my brother’s Porsche. I never liked conformity so the car’s rotary engine was truly appealing to me.

Not the mention the sound when I accelerated. Amazing “zoom-zoom”, quoting the Mazda slogan.

However, it came with a [+ 7.5% annual interest and 5 year car loan. +]

According to Mario, the car salesman, I got the best deal (the new version of the car cost $31,000). I got what I wanted NOW with relatively small interest rate.

The car cost $26,900. The 7.5% annual interest, ceteris paribus, would be $2,017.50.

Which means for the following 5 years, the total interest was $10,087.50.

And the total price of the car would be close to $37,000 instead of $27,000.


So pretty much, to sum my financial inanity:


I pay appreciated fees on something that depreciates in value.

As the value decreases, the amount of money I spend on it increases.


Imagine what I could have done with that amount of money. Give me $10,000 now and I will completely doing different things instead of “investing” in a depreciating asset.

Yes, that “”sign in the previous sentence is up there on purpose. Cars, with an exception of antique cars, are NEVER good investment.

If the people closest and dearest to you tell you that, do not believe it, let alone act on it.

Even if it is an investment as some say, a car is a depreciating asset. A bad investment.

The purpose of a car should be to take you from point A to point B. Period.

The convenience you will get from having a car and not having to wait for public transportation and adhere to someone else’s schedule is the tradeoff that you get by paying the price of the car, as well as, ehm, paying maintenance fees. The latter can be very expensive.

Cars have to be taken care of. Oil change every month, tire rotation, balancing, or timing belt, the cost will never be small.

Now don’t get me wrong. I am not advocating anyone to stop buying a car for him or herself. Far from it.

However, in our 20s, in MY 20, we (I?) tend to crave for acceptance and thus, tend to be ostentatious as well. Sometimes, it comes at the cost of our financial situation and even our financial future.

Look yourself in the mirror and ask: “Do I want this car because I love it? Or because I think girls and my friends would find it cool?”

If your answer is the former, than by all means, as long as you have the cash to pay for your dream car, or don’t mind paying the car loan interest rate, go and get your dream car.

My former flat mate and older brother used to go every weekend to the mini racing events held by Mini Cooper and Porsche. They both belonged to those car clubs and associations. They hung out with people who drove similar cars. They subscribed to car magazines. They had their car washed regularly. They were never late for their regular maintenances.

Now that’s what’s called car lovers. That’s passion. That’s when spending above $25,000 plus interest rate in a car might be worth it.

To me, I loved driving manual cars but guess what, Honda Civic also had the manual version that cost about $11,000 less than the Mazda RX-8. I didn’t even have my RX-8 washed monthly. My flat mate had to remind me to pour oil every time I drove 500 miles, which was a requirement for a Mazda RX-8.

For you who are like me, I suggest to spend your money on appreciating assets. Properties, anyone?


Few Key Takeaways:

1) Think twice before taking loans.

…….especially car loans. Business or property has the chance to increase in value, but cars will always decrease in value.

2) This doesn’t go exclusively for cars only.

Anytime you want to buy a big ticket item with credit card or loans, always make sure the item can appreciate in price.

3) If you don’t pay cash for items that depreciate in price, basically you get hit twice, financially.

First by the decreasing monetary value of the item. Second by the interest rate (usually it is high) that you inevitably will pay.


Remember: Good loans are strictly for appreciating assets.

A man is rich in proportion to the things he can afford to let alone.”

Henry David Thoreau


Do you like the excerpt? If you do, please feel free to check the book out along my other books.


[][] Best Selling Books

By Steve Ryan (Available in MoneyVersity Website)


Trading Strategy 100: Trade To Win: Stop Gambling In the Market And Master The Art of Risk Management When Trading And Investing ***Forever FREE***

The Art Of Wealth: Credit Card Makeover: Myths, Hacks, And Action Plans You Should Know To Smartly Manage Your Credit Card Debts And Stay Rich ***Forever FREE***

Trading Strategy 101: Disciplined Trader: 21 Trading Rules That Will Make You Money In The Market

Trading Strategy 102: From Good To Great Trading: 7 Things You Need To Know To Become A Consistently Profitable Trader

Charts Don’t Lie: 4 Untold Trading Indicators: How Everyone Can Make Money In The Market With These Four Technical Analysis Tools

Charts Don’t Lie: 7 Secrets Of Trading System That Works: How Everyone Now Can Make Money In The Market Trading And Investing

Charts Don’t Lie: 10 Most Enigmatic Trading Price Actions: How To Exploit Price Action Behaviors When Day Trading And Swing Trading

Charts Don’t Lie: 17 Methodical Secrets Of A Professional Trader’s Mind: Investing & Trading Steps, Methods, And Examples That Enable You To Make Money In The Market

Charts Don’t Lie: 11 Secret Blueprints To Make Money With Fundamental & Technical Analysis: A Few Untold Trading & Investing Recipes You Should Know

The Art Of Wealth: How You Prevent YOU From Getting Rich: 7 Sneaky Money Habits Everyone’s Doing That You Should Not Do

The Art Of Wealth: 47 Proven Money Habits You Might Not Know Will Turbocharge Your Personal Income: ”Money Dos” To Build Wealth & Maximize Your Potentials That Actually Work

The Art Of Wealth: Keep Calm And (DON’T) Pay All Your Debts: How To Get Rid Of Your Debts Rationally, Not Emotionally



An investment in knowledge pays the best interest.”

Benjamin Franklin

The writer of this book is just a normal guy like everyone else with high interests towards the world of personal finance.

The author is a private trader and investor, with US stocks and ETFs as his primary focus. The author believes in diversification based on asset classes. Hence his investment in properties and his current vocation of establishing his own business.

The author invests in stocks, but he is also actively trading the market. When trading, the author focuses on trending and momentum stocks. After spending close to $13,000 in commission during the author’s early years trading the market, the author trades only liquid stocks nowadays.

His main method is scanning 250 stocks every night to find out the potential opportunities the next day. The author then looks for the best setups that would allow him to go for the maximum profits.

When he is not working on his new business, writing, or trading, the author can be found reading, drinking coffee, traveling, playing basketball or football, watching sports, working out, and hanging out with his old and new buddies.

Let’s Connect!

Let’s keep in touch via Twitter (+]@lunch4wimps) or StockTwits ([+@lunch4wimps[*)*]. If you have financial thoughts, market opinions or stock opinions, shoot me a tweet. Or if you want to talk sports with me, I’d be happy to talk about basketball, soccer, or football for hours

Thank you for downloading the book.

Steve Ryan (steve.ryan at bearnbull.com)

The Art Of Wealth: Credit Card Makeover: Myths, Hacks, And Action Plans You Shou

  • ISBN: 9781311452030
  • Author: Steve Ryan
  • Published: 2015-10-13 14:50:12
  • Words: 5870
The Art Of Wealth: Credit Card Makeover: Myths, Hacks, And Action Plans You Shou The Art Of Wealth: Credit Card Makeover: Myths, Hacks, And Action Plans You Shou