About Ryan

Ryan

Ryan began writing on a variety of financial topics such as bad credit loans, online lending, P2P lending, internet security as it relates to personal finances, and other related topics. He is a former institutional financial analyst with a focus on quantitative analysis, debt markets and risk management. Currently he works as both a financial journalist and writer.

Recent Posts by Ryan

Troubling Paying Off Your Loans? Consider Debt Settlement

One common theme across personal finance is the ever increasing debt load facing Americans. Times are still tough, even though it’s been years since the Great Recession. People are relying on debt to get them through these tough times.

Revolving Credit Lines vs Installment Loans – Impact on Score

Do you have a revolving credit line or installment loan on your credit report right now? Do you know the difference between the two? Don’t worry if you’re confused, we’re about to clear things up. If you already have a basic understanding of how your credit score is determined, then you’re ready to move on […]

Strategies for Managing Your Debt

Debt can be a real challenge to manage, no matter the type or amount owed. They are called liabilities in personal finance, but a more accurate term for debt is a financial burden. The typical kinds of debt usually includes credit cards, personal loans, or mortgages, all of which are often a necessity. Debt is […]

How to Negotiate Credit Card Interest Rates Lower

Did you know that you can negotiate the interest rate on your credit card? Few people are aware that they have rights and negotiating power when it comes to the terms and conditions on their credit card of choice.

Should You Use a Personal Loan to Consolidate Debt?

Household debt in the United States is on the rise, while wages aren’t growing at the same pace. Sometimes we need to take on extra debt to make ends meet. We have bills to pay, medical expenses, and the occasional gift to ourselves taking up space on a credit card balance. It can be tough […]

Reduce Your Student Loan Size with a Forgiveness Program

In our modern-day lives, getting a college degree is a way of life for many. Most employers prefer applicants have some kind of degree. Over the past few decades, young people have flocked to universities across the nation and taken large student loans in order to fund their studies. However, as tuition prices skyrocketed, so […]

Is it Possible to Get an Auto Loan with Bad Credit?

It may be the case that you’ve sat around wondering if you could be approved for an auto loan despite your bad credit. In the American way of life, a car is oftentimes a necessity. Even since the great recession from a few years back, both poor economic conditions and new legislation has make it […]

Getting a Personal Loan After Bankruptcy

The dreaded word bankruptcy. This term has carried a negative connotation with it for some time, but the truth is many people file for bankruptcy. Financial hardships are just a part of life. As of September 30th, 2022, a total of 383,810 bankruptcies were filed over the last twelve-month period, so don’t think you’re alone […]

How to Make Money as a Peer-to-Peer (P2P) Lender

Previously we’ve discussed the nature of the peer-to-peer lending scene and how to best approach the service to receive a personal loan. Now we want to look at the flip side. What if you want to be a lender instead of a borrower? The service is peer-to-peer after all, meaning you have the option to […]

Credit Card Fraud – Victims Rights and Options

Financial fraud is widespread and feared by most of the public. One of the most gut-wrenching feelings is opening a credit card statement and seeing huge payments for items you didn’t order. With the proliferation of the internet across the world, especially poorer countries like China, the number of hacking attempts against personal information and […]

Credit Scores are Dropping – Tips for Keeping Yours Healthy

Data released by Lending Club recently shows that both credit markets and credit scores are under-performing. The data revealed that people’s average credit scores were actually falling, which implies that those people are being too risky with their credit. This could partially be attributed to the growth of the peer-2-peer lending scene. Or it could […]

5 Best Third-Party Rewards Programs

Rewards programs have been used for decades to entice customers to sign up for credit cards and other financial packages. Today, borrowers have many options to choose from. From travel rewards programs to points for gas purchases, there are many different ways borrowers can be rewarded simply for spending money.

Speed Records: World’s Fastest Production Car, Motorcycle and Boat

Man’s need for adventure, risk and excitement is taken to the extreme with the hyper-fast vehicles we create. At the highest end of manufacturing, one can find productive vehicles of immense power. While there is little need for this power, people still forge and innovate new technologies to push mankind into the next era of […]


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