Deferred interest may be a good idea if you can successfully avoid paying interest. It’s important to understand how deferred interest works and how to avoid their pitfalls, especially high interest [...]
About the author
“I aspire to help people improve their financial wellbeing and literacy by writing factual content that’s accessible and easy to understand.” – Tim Maxwell
Personal finance, credit cards, loans
Bachelor of Arts degree in mass communication, Fresno State University
- Former broadcast journalist
- Current contributor to Bankrate, LendingTree, Fox Business, MagnifyMoney and The Balance
- Founder of Incomist, a personal finance site that teaches debt reduction through multiple sources of income
Early in his career, Tim worked in broadcast news as a “one-person band.” He was often responsible for capturing news events and interviewing subjects and witnesses on camera, before writing and editing the package for broadcast. He later worked for 20th Century Fox and NBC/Universal in various digital media capacities.
Tim is now a freelance personal finance writer and blogger with a particular focus on credit cards and consumer lending. In 2002, he stumbled upon a copy of "The Millionaire Next Door," by Thomas J. Stanley and William D. Danko, which ignited a passion for learning and sharing fact-based money principles. Tim has a passion for demystifying personal finance and helping people live their best lives.
Tim lives in the Sierra Nevada mountains, where he enjoys cycling, golfing and creating memories with his family. He also finds immense joy in cashing in his hard-earned credit card rewards. You can connect with Tim on LinkedIn.
Tim's Latest Articles
4 min read Oct 07, 2021
Southwest Rapid Rewards members can earn points with restaurant purchases through the Southwest dining program.6 min read Sep 29, 2021
Looking to avoid credit card interest rate hikes? Here’s why you don’t actually want a fixed-rate card
Fixed-rate credit cards aren’t as common as they once were, but a variable-rate card or fixed-rate loan may be better long-term.4 min read Sep 22, 2021
Credit cards offer a convenient way to pay for your purchases, but what goes on behind the scenes?6 min read Sep 15, 2021
Discover 7 bad credit card habits that could be holding you back.6 min read Aug 30, 2021
Capital One Quicksilver Cash Rewards Credit Card vs. Bank of America Unlimited Cash Rewards credit card
The Capital One Quicksilver Cash Rewards Credit Card and the Bank of America® Unlimited Cash Rewards credit card both offer 1.5 percent cash back on all purchases with no annual fee. While Capital One [...]7 min read Aug 13, 2021
If your credit score needs a boost, Experian has a solution.6 min read Aug 11, 2021
It’s possible to pay your mortgage with a credit card, but you’ll face some obstacles, namely in fees an potential interest charges. This type of payment could also impact your credit score.5 min read Jul 09, 2021