Nathan Grant, Author - MoneyTips

Home Buying, Simplified: 5 Steps with Helpful Resources

Nathan Grant — Tue, 01 Aug 2023 13:51:31 +0000

Buying a home can be overwhelming, especially for first-time buyers. That’s where we come in. We’ve broken down the process into five straightforward steps, including resources to help you complete each one. As the adage goes, “How do you climb Mt. Everest? One step at a time.” 1. Organize Your Finances Your first order of...

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USDA vs. Conventional: Which Loan Is Right for You?

Nathan Grant — Fri, 17 Feb 2023 18:43:28 +0000

Depending on where you live, you might qualify for a USDA loan. For those looking to buy a home, this begs the question: should you pursue this option instead of a conventional loan? We’ll explain the differences between conventional and USDA mortgage loans, their requirements and the pros and cons, so you can make the...

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Mobile Home Loans: Know Your Options

Nathan Grant — Fri, 17 Feb 2023 18:05:04 +0000

Even with fluctuations in the housing market, homes remain expensive – especially new construction. In November of 2022, the median sales price for new construction was $471,200. Alternative housing, in the form of mobile and manufactured homes, offers Americans a significantly cheaper path to homeownership. The average sales price of new manufactured homes was $86,500...

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What Are Hardship Loans and When Should You Use One?

Nathan Grant — Tue, 10 Jan 2023 19:19:48 +0000

Unforeseen expenses can pop up even if you’re well prepared. Events like a medical emergency, car accident or job loss can all affect your personal finances and make it difficult to cover monthly bills – especially if you don’t have an emergency fund. Fortunately, many financial institutions offer hardship loans that help people through challenging...

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American Express Business Credit Cards and Charge Cards

Nathan Grant — Thu, 18 Aug 2022 13:13:51 +0000

Learn about the array of different credit cards available from AmEx now.

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Using Credit Cards Responsibly

Nathan Grant — Mon, 04 Apr 2022 14:28:10 +0000

Credit cards can make your financial life more convenient and more rewarding. Yet, at the same time, they are serious financial tools. Using credit cards is a privilege, not a right. And no bank is obligated to approve you for a credit card account. It’s also important to remember that your bank can choose to...

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2021 Survey: Revealing Habits and Misconceptions Ahead of Financial Literacy Month

Nathan Grant — Fri, 01 Apr 2022 19:17:50 +0000

April is typically recognized as Financial Literacy Month, but how often do we really stop and smell the roses? The roses, in this case, being the financial knowledge that we can take with us into May and beyond. The pandemic has certainly given us a new perspective when it comes to looking at finances and...

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When Can You Apply For A Credit Card After Bankruptcy?

Nathan Grant — Thu, 31 Mar 2022 16:53:15 +0000

There’s nothing easy about declaring bankruptcy. From the stress and restrictions to the damage to your credit, it can be a long road for your financial and emotional health. But bankruptcy doesn’t have to be a life sentence. You can start rebuilding your credit with new, positive credit from a credit card. We’ll let you...

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How to Avoid Paying Interest on Credit Cards

Nathan Grant — Thu, 31 Mar 2022 15:03:59 +0000

Whenever you get a loan, you’ll usually have to pay interest. Even though credit cards are a type of loan, you can avoid interest fees completely with most cards. Interest is a fee you pay for borrowing money from a lender. Most of the time, the interest you pay is a percentage of the amount you...

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Charge Cards vs. Credit Cards — What’s the Difference?

Nathan Grant — Wed, 30 Mar 2022 20:35:12 +0000

The main difference between charge cards and credit cards is how much you have to pay off each billing cycle compared to how much you owe: Charge cards generally require that you pay off the full amount you spend on the card each month. Credit cards only require that you pay off some minimum amount of the total balance...

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How Credit Card Balance Transfers Work

Nathan Grant — Wed, 30 Mar 2022 15:37:04 +0000

Have you found yourself in credit card debt? Are you paying interest every month? Does it feel impossible to make a dent in your credit card balances because you’re paying so much interest? A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving...

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Credit Reports, Explained: What’s a Credit Report and How Do You Read One?

Nathan Grant — Wed, 30 Mar 2022 14:07:31 +0000

If you thought your days of receiving report cards were over, think again. A credit report is a report card tied to your Social Security number and shows how well you’ve managed credit or debt in the past. The information in your credit reports is used to calculate your credit scores. Positive information and demonstrating...

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