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100ms;width:18px}.block-qa_list_no_schema .faq__expand-icon{top:inherit;bottom:1.2rem}.faq__question-container{padding-bottom:0;position:relative;transition:padding-bottom 100ms ease-in-out 100ms;width:100%;background:none;border:0;text-align:left}.faq__list{position:relative;margin-top:0;padding-left:0}.faq__list-item{border-bottom:1px solid #CACBCB;list-style:none;padding:.4rem 0;transition:border 0.3s ease}.faq__list-item:first-child{border-top:1px solid #CACBCB}.faq__list-item:hover{cursor:pointer}@media (min-width:992px){.faq__list-item.accordion--active .faq__expand-icon,.faq__list-item[expanded] .faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_minus.svg?535fe9c8ad45") no-repeat center center;transition:all 100ms ease-in-out}.faq__list-item.accordion--active .faq__question-container,.faq__list-item[expanded] .faq__question-container{padding-bottom:14px;transition:padding-bottom 100ms ease-in-out 100ms}}@media 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.nav-searchbar{overflow:hidden;visibility:visible;width:75%}.searchbar--active .nav-searchbar input{padding:3.2rem 2.4rem}@media (min-width:992px){.searchbar--active .nav-searchbar input{display:inline-block;padding:0 2.4rem}}.searchbar--active .nav-searchbar label{display:inline-block;font-size:1.4rem;text-transform:uppercase;position:absolute;left:0;font-weight:600;padding-left:2.4rem}.items-search{display:flex;flex-direction:row;justify-content:space-between;align-items:center}@media (min-width:1200px){.items-search{flex-grow:5!important}.items-search ul .nav-item{margin:0}.items-search ul .nav-item a{padding:8px 15px}}@media (max-width:1199px){.items-search{flex-direction:column;justify-content:center}.items-search ul .nav-item{margin:0}.items-search ul .nav-item a{padding:8px 10px}}@media (max-width:991px){.items-search{flex-direction:column-reverse;justify-content:center}}@media (max-width:1199px){.items-search .search-bar-main{width:100%}}@media (max-width:991px){.items-search 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(min-width:992px){.navigation-link-container{border:0;min-height:auto;opacity:1;position:inherit;transform:none;visibility:visible}}#sidenav{position:absolute;top:calc(var(--header-height) + 10px);left:8vw;width:184px;margin-top:4px;padding:unset}@media (min-width:2400px){#sidenav{left:25%;transform:translateX(-25%)}}@media (min-width:1900px) and (max-width:2400px){#sidenav{left:15%;transform:translateX(-15%)}}@media (max-width:1600px) and (min-width:1200px){#sidenav{height:auto;left:1.25%}}@media (max-width:1355px) and (min-width:1199px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:80%;padding-top:28px}}@media (max-width:1199px) and (min-width:992px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:63%;padding-top:28px}}@media (max-width:992px) and (min-width:768px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:78%;padding-top:28px}}@media (max-width:768px){#sidenav{position:relative;top:0;height:auto;width:95%;left:inherit;padding-top:28px}}#sidenav.fixed{position:fixed;top:1vh}.border-top{border-top:1px solid #e5e5e5}.chevron_expander{height:18px;position:absolute;right:2px;top:2.2rem;transition:all ease-in-out 100ms;width:18px;background-image:url("https://g.foolcdn.com/static/affiliates/project/images/icons/chevron--white.svg?883928a19e0c") no-repeat center center;transform:scale(0.6)}.chevron_expander img{filter:invert(39%) sepia(68%) saturate(907%) hue-rotate(168deg) brightness(91%) contrast(80%)}.chevron_expander:hover img{filter:invert(35%) sepia(75%) saturate(791%) hue-rotate(168deg) brightness(91%) contrast(118%)}.faq__list-item{border-bottom:1px solid #CACBCB;list-style:none;padding:.4rem 0;transition:border 0.3s ease}.faq__list-item.accordion--active .chevron_expander,.faq__list-item[expanded] 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<div class="control is-search mi-search-bar"> <input class="input" type="text" id="search" autocomplete="off" tabindex="0" data-track-link="search_input" data-track-category="nav_click" data-track-action="main_nav" data-track-order="1" /> <label for="search" class="l-sp--sm c--sec pl--24 trans">Search For</label> </div> </div> <div id="search-results" class="navbar-dropdown mi-search-results"> </div> </div> </li> </ul> </nav> </div> </div> </div> </div> </div> </div> <div class="container-fluid " role="main"> <div class="row"> <div class="container"> <div class="row"> <div class="col-12 col-md-10 offset-md-1 col-lg-8 offset-lg-2 col-xl-10 offset-xl-1">   <div class="row"> <div class="block block-pg-title">  <ul class="crumb"> <li class="crumb__list-item"><a class="crumb__link" href="https://www.fool.com/money/authors/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt">Motley Fool Money Authors</a></li> <li class="crumb__list-item">Ben Gran</li> </ul> </div> </div> <section> <div class="block pg-title-item px-0"> </div> </section> </div> </div> </div> </div>  <div class="row">  <div tabindex="0" class="container" id="main-copy"> <div class="row"> <div class="col-12 col-md-10 offset-md-1 col-lg-8 offset-lg-2 col-xl-10 offset-xl-1"> <div class="container"> <div class="row"> <section class="block bg-0 bs py-3 my-3"> <div class="authors-wrap"> <div class="row auth__prof"> <div class="col-3"> <div class="foto-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/ben_gran_head_shot_large_fCi4n9z.jpg?width=480" alt="Author Photo for Ben Gran"/> </div> <div class="authors__social"> <a href="https://www.linkedin.com/in/bengran/" rel="nofollow"> <img src="https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%401x.svg" srcset="https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%402x.svg 1x, https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%402x.svg 2x" alt="Linked In Icon"> </a> </div> </div> <div class="col-9 auth__info"> <h2 class="authors__name">Ben Gran</h2> <div class="copy-body"> <h5 id="expert-contribution:-freelance-writer" data-block-key="gw136">Expert Contribution: Freelance writer</h5><h6 id="financial-industry-writer-since-2010" data-block-key="f21xm">FINANCIAL INDUSTRY WRITER SINCE 2010</h6> </div> <p class="head-h6 pt-4">NUMBER OF PUBLICATIONS: 603 | LAST PUBLISH DATE: 11-29-2024</p> </div> <div class="col-12 wysiwyg"> <p data-block-key="k1zyu">Ben Gran is a freelance writer based in Des Moines, Iowa. He has written for regional banks, fintechs, and major financial services companies. Ben is a graduate of Rice University.</p><h4 id="financial-areas-of-expertise" data-block-key="rt4wo">Financial Areas of Expertise</h4><p data-block-key="4to6s">Credit Cards, Banks, Insurances, Small Business, Retirement, Personal Finance</p><h4 id="featured-in-renowned-media-publications" data-block-key="8hu3i">Featured in Renowned Media Publications</h4><ul><li data-block-key="57sf0"><a href="#https://www.prudential.com/financial-education/financial-wellness-tips-definition">Prudential</a></li><li data-block-key="a2prv"><a href="#https://www.lendingtree.com/writer/ben-gran/?pid=1">LendingTree</a></li></ul><h4 id="motley-fool-money-articles-syndicated-in" data-block-key="92ulb">Motley Fool Money Articles Syndicated In</h4><p data-block-key="3vp3b">USA Today</p><h4 id="education" data-block-key="j10su">Education</h4><p data-block-key="b5eha">Rice University, B.A. in History</p> </div> </div> <h3 class="article__head pb-3">Ben's Recent Articles</h3> <ul class="authors__articles"> <li class="authors__article"> <a class="article__link" href="/money/buying-stocks/articles/about-to-retire-3-things-you-must-do-with-the-stock-market-near-all-time-highs/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/Jester-money-004_gNQGpX0.jpg?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">About to Retire? 3 Things You Must Do With the Stock Market Near All-Time Highs</span><br> <span class="article__date copy-md">Nov 29, 2024</span><br> <span class="article__sum copy-tight">If you're about to retire, the stock market at all-time highs could be bad news. See why now is the time to use strategy to …</span><br> <a href="/money/buying-stocks/articles/about-to-retire-3-things-you-must-do-with-the-stock-market-near-all-time-highs/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="authors__more-link pt-2 copy-tight">Read More<img width="20" height="14" class="link--arrow" src="https://g.foolcdn.com/static/affiliates/project/images/arrow-right--link.svg" alt="Learn More Link Arrow"/></span> </a> </span> </a> </li> <li class="authors__article"> <a class="article__link" href="/money/credit-cards/articles/these-5-capital-one-venture-card-perks-are-worth-over-1200-a-year/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/female_traveler_with_suitcase_tablet_and_credit_card_PJDEwD4.jpg?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">These 5 Capital One Venture Card Perks Are Worth Over $1,200 a Year</span><br> <span class="article__date copy-md">Nov 29, 2024</span><br> <span class="article__sum copy-tight">Is the Capital One Venture Card worth getting? Only if you want an easy way to earn travel rewards and have happier vacations. Learn more.</span><br> <a href="/money/credit-cards/articles/these-5-capital-one-venture-card-perks-are-worth-over-1200-a-year/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="authors__more-link pt-2 copy-tight">Read More<img width="20" height="14" class="link--arrow" src="https://g.foolcdn.com/static/affiliates/project/images/arrow-right--link.svg" alt="Learn More Link Arrow"/></span> </a> </span> </a> </li> <li class="authors__article"> <a class="article__link" href="/money/credit-cards/articles/i-raised-my-credit-score-24-points-in-1-month-by-doing-almost-nothing/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/Ways_to_Get_Credit_Score_for_Free_fo6w2yK.jpg?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">I Raised My Credit Score 24 Points in 1 Month by Doing Almost Nothing</span><br> <span class="article__date copy-md">Nov 29, 2024</span><br> <span class="article__sum copy-tight">Want to see a real-life example of how to boost your credit score by 24 points in one month? Here's how to understand the secret …</span><br> <a href="/money/credit-cards/articles/i-raised-my-credit-score-24-points-in-1-month-by-doing-almost-nothing/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="authors__more-link pt-2 copy-tight">Read More<img width="20" height="14" class="link--arrow" src="https://g.foolcdn.com/static/affiliates/project/images/arrow-right--link.svg" alt="Learn More Link Arrow"/></span> </a> </span> </a> </li> <li class="authors__article"> <a class="article__link" href="/money/buying-stocks/articles/expert-says-if-you-dont-have-a-health-savings-account-youre-bleeding-money/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/Woman_shopping_in_aisle_at_the_drugstore._foesoRn.jpg?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">Expert Says: If You Don't Have a Health Savings Account, You're Bleeding Money</span><br> <span class="article__date copy-md">Nov 29, 2024</span><br> <span class="article__sum copy-tight">Don't miss your chance to open a health savings account by choosing the right health plan this year. See why the HSA is the MVP …</span><br> <a href="/money/buying-stocks/articles/expert-says-if-you-dont-have-a-health-savings-account-youre-bleeding-money/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="authors__more-link pt-2 copy-tight">Read More<img width="20" height="14" class="link--arrow" src="https://g.foolcdn.com/static/affiliates/project/images/arrow-right--link.svg" alt="Learn More Link Arrow"/></span> </a> </span> </a> </li> <li class="authors__article"> <a class="article__link" href="/money/credit-cards/articles/i-always-choose-travel-rewards-over-cash-back-heres-why/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/24_ALHezeu.png?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">I Always Choose Travel Rewards Over Cash Back. Here's Why</span><br> <span class="article__date copy-md">Nov 29, 2024</span><br> <span class="article__sum copy-tight">If you're choosing between cash back credit cards vs. travel credit cards, here's a big vote for travel rewards. See how travel cards can change …</span><br> <a href="/money/credit-cards/articles/i-always-choose-travel-rewards-over-cash-back-heres-why/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="authors__more-link pt-2 copy-tight">Read More<img width="20" height="14" class="link--arrow" src="https://g.foolcdn.com/static/affiliates/project/images/arrow-right--link.svg" alt="Learn More Link Arrow"/></span> </a> </span> </a> </li> <li class="authors__article"> <a class="article__link" href="/money/personal-finance/articles/8-kohls-exclusive-products-everyone-should-know-about/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/Woman_shopping_department_store_Q0DEWuO.jpg?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">8 Kohl's Exclusive Products Everyone Should Know About</span><br> <span class="article__date copy-md">Nov 27, 2024</span><br> <span class="article__sum copy-tight">Did you know that Kohl's offers exclusive deals on fashion brands, toys, and household goods? See our picks for well-rated, low-cost Kohl's deals.</span><br> <a href="/money/personal-finance/articles/8-kohls-exclusive-products-everyone-should-know-about/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="authors__more-link pt-2 copy-tight">Read More<img width="20" height="14" class="link--arrow" src="https://g.foolcdn.com/static/affiliates/project/images/arrow-right--link.svg" alt="Learn More Link Arrow"/></span> </a> </span> </a> </li> <li class="authors__article"> <a class="article__link" href="/money/credit-cards/articles/want-to-eat-shake-shack-on-your-next-delta-flight-these-cards-can-help/?luri=%2Fauthors%2Fprofile%2Fben-gran%2F&furi=%2Fmortgages%2Fbest-mortgage-lenders%2F&fuuid=82b8aa4c-5a13-424d-99c2-b2e753d6befb&luuid=7f624025-38e4-4e83-970f-af3c659d4bd2&ltyp=txt"> <span class="article__img-wrap"> <span class="img-wrap"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/person_on_private_plane_GM2hVuz.jpg?width=246&height=164" alt=""> </span> </span> <span class="article__copy copy-tight"> <span class="head-h4">Want to Eat Shake Shack on Your Next Delta Flight? 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