Best Credit Cards, Tech Tools & Health Picks — Expert Reviews for USA Readers

For most starters, a no-annual-fee or student/secured card is the safest way to build history. Examples include Discover it® Cash Back (rotating categories), Citi® Double Cash (flat cash back), or a secured option from your bank. Pay on time, keep utilization <30%, and let accounts age. Always confirm current terms on the issuer’s site.

Choose travel rewards if you frequently fly/stay and can redeem for high value through portals/transfers (e.g., Sapphire Preferred® with transfer partners or Capital One Venture® for simple miles). Choose cash back for simple, flexible savings on everyday spend. Many users keep one travel card + one everyday cash-back card.

Yes, when benefits & credits (travel insurance, lounge access, partner credits, higher earn rates) are worth more than the fee. For example, premium cards like The Platinum Card® from American Express offer strong perks if you actually use them. If not, consider a no-fee alternative.

• Pay on time (set autopay).
• Keep utilization low (aim <10–30%).
• Don’t open too many accounts at once.
• Consider a secured or student card first.
• Let accounts age; avoid closing your oldest no-fee card.

Flat-rate cards (e.g., Citi® Double Cash, Wells Fargo Active Cash®) are great for simplicity. Category cards (e.g., Blue Cash Preferred® for U.S. supermarkets/streaming) can earn more if your spending matches the bonus categories. Many users keep one of each.

Shopify = fastest to launch, huge app ecosystem, excellent ease of use.
BigCommerce = strong built-in features and scalability for larger catalogs or complex tax/shipping. If you want speed and apps, choose Shopify; if you want more native features at scale, consider BigCommerce.

Funnels tools (e.g., ClickFunnels) excel at high-converting landing pages, A/B tests, and one-click upsells. If most revenue comes from campaigns or lead magnets, a funnels tool helps. Pure catalog stores can start within Shopify/BigCommerce, then add funnels as ROI justifies.

HubSpot = CRM, email automation, pipelines, marketing automation, and sales tools.
SEMrush = SEO/keyword research, competitor analysis, backlink/site audits, content and PPC insights. Use both in tandem: HubSpot for nurturing & sales; SEMrush for research & acquisition.

FreshBooks is ideal for freelancers and small businesses that need simple invoicing, time tracking, and expense management without complex accounting setups. If you outgrow it, you can migrate to a fuller accounting suite later.

Yes—major platforms connect you with licensed therapists and offer private video/phone/chat sessions. It is not for emergencies. Review each provider’s privacy policy and licensure details before starting.

Noom adds daily coaching and psychology-based lessons to build sustainable habits— beyond pure calorie math. Many people find the education and accountability improve long-term results.

No—greens powders are supplements for micronutrients and convenience, not a complete meal. Keep a balanced diet; consult your clinician if you have conditions or take medications.

Rowing is typically low-impact and trains the full body (legs, core, back) with less joint stress, which many users prefer for home cardio. Choose the modality you’ll stick to consistently.

Onnit focuses on its own performance supplements & fitness gear.
iHerb is a large marketplace carrying many global brands, deals, and fast shipping. Pick based on whether you want a house brand/gear or a broad catalog to compare.