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Ray Montalvo

Contributor

Smart Shopper’s Guide to Spotting Marketplace Scams

Online marketplaces are a modern convenience many of us depend on—for buying furniture, selling used electronics, or scoring deals on rare finds. But with every great deal comes a risk: scammers are lurking in these spaces, waiting for an easy target. Whether you’re browsing on Facebook Marketplace, Craigslist, OfferUp, or another peer-to-peer platform, staying safe…

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A Man’s Guide to Finding the Perfect Fragrance

Scent is more than just a finishing touch—it’s a signature. The right fragrance can boost confidence, leave a lasting impression, and subtly express personality without a word. But with so many options, notes, and concentrations, choosing the right perfume for men can be surprisingly complex. Whether you’re new to fragrance or looking to upgrade your…

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Best Travel Credit Cards for International Hotel Stays

Traveling internationally often comes with significant expenses, and hotel stays are among the biggest costs. Whether you prefer luxury accommodations or budget-friendly lodging, the right travel credit card can unlock valuable perks — from free nights to upgrades and cash back. For frequent flyers or even once-a-year adventurers, using a travel credit card strategically can…

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