Amy Fontinelle

Amy Fontinelle

Amy Fontinelle is a writer, editor, and personal finance expert. Her clients include personal finance websites, financial institutions, public policy organizations, academic journals and professional economists. She has written hundreds of articles on budgeting, credit cards, mortgages, real estate, investing and other topics. In addition to Investopedia, her articles have been featured on the homepage of Yahoo! and on Yahoo! Finance,,, Bankrate and other websites. 

In addition to her personal finance articles, Amy writes business-to-business copy and composes ghostwritten and content marketing pieces. She polishes articles and papers written by economists, consultants and other professionals who need to communicate clearly and compellingly through their writing. She has also defined hundreds of financial terms for Investopedia's online dictionary and written in-depth tutorials on budgeting, banking, investing and home buying. Learn more about Amy at

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  1. Investing Basics

    3 Business Tips from Restaurant Reality Shows

    The reality TV shows "Restaurant Impossible" and "Kitchen Disasters" offer lessons not just for restaurateurs, but for all business owners.
  2. Taxes

    The Purpose Of The W-9 Form

    The W-9 form provides key data your clients need if you're an independent contractor. Just be sure you're not really an employee who should fill out a W-4.
  3. Home & Auto

    9 Things You Need To Know About Homeowners' Associations

    Restrictive rules and high fees are just some of the things to watch out for before joining an HOA.
  4. Insurance

    Is It Worth Switching Insurance to Get an HSA?

    We crunch the numbers to see if the (future) benefits of a Health Savings Account outweigh the (present) price of a high-deductible health insurance plan.
  5. Insurance

    How HRAs Work

    Health reimbursement arrangements (HRAs) can be a great way to help cover your healthcare costs. This guide has all the details.
  6. Taxes

    End-of-the-Year Checklist to Save on Income Taxes

    From grouping related expenses to factoring in the alternative minimum tax, here are some things you need to keep in mind when doing tax planning.
  7. Personal Finance

    Who is eligible for student loan forgiveness?

    If you have a federal loan, you may be able to get all or part of your loan forgiven through volunteer work, public service, military service or medical practice.
  8. Insurance

    Do You Need Short-Term Health Insurance?

    Yes, if you've no other coverage options. Here’s what you need to know about how it works and how it differs from employer-provided and marketplace plans.
  9. Credit & Loans

    These Are The Best Credit Cards For Making Balance Transfers

    Handled correctly – and very carefully – a promotional credit card balance transfer offer can save you money. Here are some of the best deals around now.
  10. Options & Futures

    Understanding The Escrow Process

    Learn the 10 steps that lead up to closing the deal on your new home and taking possession.
  11. Investing Basics

    The Best Litmus Test Of A Company's Risk? The Acid Test

    The acid test measures a company’s short-term liquidity.
  12. Home & Auto

    5 Reasons Zillow's Estimates Could Be Wrong

    Zillow uses a variety of data to calculate its "Zestimates," but anything from the wrong property details to missing upgrades can make them inaccurate.
  13. Credit & Loans

    Try This Home-Equity-Line-of-Credit Hybrid

    This product is essentially a home-equity loan and home equity line of credit (HELOC) hybrid, and it has its own quirks, benefits and drawbacks.
  14. Economics

    Some Industries Are More Bubbly Than Others

    Investors who want to avoid future bubbles should learn from the past in order to protect their investments.
  15. Budgeting

    Stick to Your Budget Despite Your Friends

    Being tight on cash can be awkward when you are out with your buddies or going shares on a gift. Here are tips on handling those situations.
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