Author: Kirk Jamaal McGinister
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How to Get Your Credit Clean: The Real First Step to Fixing Your Score
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Feeling stuck with bad credit and no clear path forward?Let’s be honest—most people think the first step to fixing their credit is to start disputing collections. But that’s not the real beginning. If you want to get your credit clean the right way, you need to understand this: your foundation starts with your credit report,…
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Investing for Financial Freedom: The Wealth Hack That Changes Everything
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Investing for financial freedom sounds complex, but it’s actually not once it’s understood. Let’s cut the noise.Everyone’s chasing financial freedom, but most are running in the wrong direction—burning out trying to build a brand from scratch, or obsessing over side hustles that never truly scale. What if I told you the most powerful life move…
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AI Integration Strategy: Your Competitive Edge, Not Your Replacement
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Everyone’s got something to say about AI replacing jobs. But let’s get something straight—AI integration isn’t here to replace you. It’s here to multiply what you can already do. The question is: are you going to use the tool, or keep making excuses? Some folks stop at ChatGPT and Midjourney. Cool, but if you’re serious…
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Tax Plays for Real Bosses: How to Leverage Tax Planning to Secure Your Bag
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Listen —this ain’t about luck or hustling backwards. This is chess. If you’re serious about getting paper and keeping it, then tax planning gotta be your go-to move. It’s deeper than filing paperwork every April; it’s a 365-day mindset shift bosses master. Why Tax Planning Is a Boss Move If you’re waiting until tax season…
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Tracking Expenses Like a Boss: Your Blueprint for Year-Round Tax Savings
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Do you feel like money just slips through your fingers—especially at tax time? I know that feeling. You’re grinding, earning income, yet somehow the IRS always gets the upper hand. Here’s a reality check: tracking expenses isn’t just busywork; it’s your most powerful weapon to keep more of your money by effectively tracking expenses. Why…
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CPA vs. Tax Preparer—and Why a Tax Strategist Might Be Your Best Ally
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It’s tax season again!You’ve done your part—filed on time, seen a little refund here and there. But here’s the kicker: if you’re not planning ahead year-round, you’re leaving serious money on the table. Today, let’s break down the differences between a tax preparer, a CPA, and—most importantly—a tax strategist. Whether you’re a 9-to-5 worker or an…
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Tax Strategy Game-Changer: How to Keep More of Your Money and Build Wealth
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If you’re serious about keeping more of your hard-earned money, getting ahead financially, and building real wealth, you need a rock-solid tax strategy. And not just filing your taxes once a year—I’m talking about a plan that runs all year long. Because if you’re not planning ahead, you’re leaving money on the table. Why a…
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Post 5: Trended Data & The New Frontier: Mastering FICO® 10T to Elevate Your Credit
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Series: Credit Elevated: Five Power Moves to Shatter Debt & Raise Scores(Missed Post #4 on removing charge-offs fast? Catch it here.) Stepping Beyond the Basics Hey —congrats on making it this far! You’ve: Now it’s time to dive into trended data and the new frontier in credit scoring. We’re talking FICO® 10T and VantageScore 4.0, plus how these next-gen models watch your month-to-month behavior,…
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Post 4: Remove Charge-Offs Fast—Disputes, Ownership & Clearing the Deck
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Series: Credit Elevated: Five Power Moves to Shatter Debt & Raise Scores(Missed Post #3 on utilization? Catch it here and see how single-digit usage can supercharge your score.) Time to Wrestle with Charge-Offs: Remove Charge-Offs Fast Alright, we’ve squared away the “junk data” (Post #1), tackled late payments (Post #2), and learned how to leverage…
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Post 3: Reduce Credit Utilization Fast—Smash the 30% Myth & Master Single-Digit Usage
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Series: Credit Elevated: Five Power Moves to Shatter Debt & Raise Scores(Missed Post #2 on removing late payments fast? Catch it here.) You’ve cleared old data (Post #1) and tackled late payments (Post #2). Now, we dive into credit utilization—often the second-most significant factor affecting your score. Heard the advice “Keep it under 30%”? Good…