Amy Fontinelle

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  1. Term

    Direct Writer

    A captive agent that only issues insurance policies from a specific insurance company.
  2. Term

    Personal Lines Insurance

    Property and casualty insurance products for individuals that help protect individuals from potential losses they couldn’t afford to cover on their own.
  3. Credit & Loans

    The Pros And Cons Of Balance Transfers

    Do the math before you assume that transferring your credit card balance to a lower rate card will save money. It could – or it could cost you.
  4. Economics

    How A Limited Government Affects A Country's Finances

    Countries with limited governments have fewer laws about what individuals and businesses can and can’t do. What's the net result?
  5. Bonds & Fixed Income

    Strategic Asset Allocation

    Strategic asset allocation is a portfolio strategy that involves setting target allocations for various asset classes, then periodically rebalancing the portfolio back to the original allocations when ...
  6. Investing

    Return On Capital Employed - ROCE

    Return on Capital Employed (ROCE) is a financial ratio that measures company's ability to earn a return on all of the capital it employs.
  7. Investing

    What is Revenue?

    Revenue is the amount of money a company brings in from the goods and/or services it sells. Companies usually calculate and report revenue for a quarter or a year.
  8. Investing

    Filing A Patent

    Want to patent your invention or design? Here's a complete step-by-step guide to the process.
  9. Investing

    Protecting Your Idea: Should You Patent It?

    At what stage of development should you patent an idea – and which ideas can you patent? Here's how to decide and what to do next.
  10. Taxes

    Overall Tax Burden By State

    Start here, to research states with the heaviest tax burdens. The charts below compare them by income tax, sales tax and property tax.
  11. Investing

    Hiring A Really Competent Patent Attorney

    Use this guide to find a well-qualified attorney to guide your application through the complex patenting process at the best possible price.
  12. Taxes

    States With The Biggest (And Smallest) Tax Burden

    If you're considering moving, here's a list of the states with the highest - and lowest - tax burdens.
  13. Credit & Loans

    Transferring Credit Card Balances To A New Card

    Before you take advantage of that new credit card's 0% interest balance transfer offer, read our step-by-step guide.
  14. Term

    Plant Patent

    An intellectual property right that protects a new and unique plant’s key characteristics from being copied, reproduced, sold or used by others.
  15. Investing

    How To Protect Your Intellectual Property

    Intellectual property rights - patents, trademarks, trade secrets and copyrights - protect creators of everything from new products to new pop songs.
  16. Term

    Patent Agent

    A professional licensed by the United States Patent and Trademark Office to give patentability opinions and assist inventors with patent applications.
  17. Credit & Loans

    Are You A Target For Identity Thieves?

    The Americans at highest risk for identity theft and identity fraud aren't the ones you most expect. See if you're on the high-risk list.
  18. Credit & Loans

    Avoid Becoming An Identity Thief's Next Victim

    Use these 7 techniques to keep yourself under the radar and out of the way of identity thieves.
  19. Investing Basics

    How to Use the Gearing Ratio

    The gearing ratio is a figure that compares a company’s owners’ equity to the amount of money the company has borrowed.
  20. Investing Basics

    What's a P&L Statement?

    A profit and loss statement, also called the income statement, is a financial statement that companies use to report their income and expenses for a quarter or a year.
  21. Term

    Asset Management and Disposition Agreement (AMDA)

    A type of contract between the Federal Deposit Insurance Corporation (FDIC) and an independent contractor that oversaw and sold the assets of failed savings and loan (S&L) institutions during the S&L crisis.
  22. Term

    Policyholder Surplus

    The assets of a mutual insurance company minus its liabilities. Policyholder surplus is one indicator of an insurance company’s financial health.
  23. Term

    Common Carrier

    A commercial entity that gets paid to transport goods or people.
  24. Term

    Insurance Coverage Area

    The geographic region in which an insurance policy’s benefits apply.
  25. Term

    Commercial Lines Insurance

    Commercial insurance lines help keep the economy running smoothly by protecting businesses from potential losses they couldn’t afford to cover on their own.
  26. Term

    Employer's Liability Insurance

    A product for employers that protects them from major financial loss if a worker experiences a job-related injury or illness that workers compensation doesn’t cover.
  27. Term

    Automobile Liability Insurance

    Financial protection for a driver who, while operating a vehicle, harms someone else or their property.
  28. Term

    Comprehensive Insurance

    A type of automobile insurance that covers damage to your car from causes other than a collision.
  29. Term

    Convertible Insurance

    A type of life insurance that allows the policyholder to change a term policy into a whole or universal policy without going through the health qualification process again.
  30. Term

    Patent Attorney

    A lawyer with expertise in intellectual property law as it pertains to securing and protecting an inventor’s property rights to an invention.
  31. Term

    Patent Pending

    Wording inventors use to let the public know they've filed a patent application for an invention with the United States Patent and Trademark Office.
  32. Term

    Hurricane Deductible

    An amount a homeowner must pay before insurance will cover the damage caused by a hurricane.
  33. Term


    The study of how drugs affect people. More formally, pharmacology is the study of both the helpful and detrimental effects of natural and synthetic chemicals on biological systems. Pharmacology helps us ...
  34. Investing

    Debt Ratio

    The debt ratio divides a company’s total debt by its total assets to tell us how highly leveraged a company is—in other words, how much of its assets are financed by debt. The debt component of the ratio ...
  35. Retirement

    The Best Retirement Plans For Millennials

    Retirement is decades away, but if you make yourself start saving even a little now, all that time can make your money grow big time. Two smart options.
  36. Term

    Intellectual Property Rights (Biotechnology)

    In health care, intellectual property rights give their owners exclusive use of pharmaceuticals, brand names and more.
  37. Home & Auto

    Investing In Luxury Real Estate

    You might not have the money for a luxury home of your dreams, but that doesnt mean there aren't still plenty of ways to invest in luxury properties.
  38. Term

    Abbreviated New Drug Application (ANDA)

    A written request to the U.S. Food and Drug Administration to manufacture and market a generic drug in the United States.
  39. Term

    Abbreviated New Drug Submission (ANDS)

    A written request to Health Canada to obtain marketing approval for a generic drug. An ANDS must be approved by Health Canada, the country&rsquo;s federal department in charge of national health care, ...
  40. Investing News

    What Drives Summer Blockbuster Movie Profits?

    Moviegoers spent about $1 billion each of the months of May, June, July and August 2014. What is it that makes a summer blockbuster so profitable?
  41. Investing News

    The Economics of Hulu, Netflix, Redbox and Blockbuster

    These on-demand entertainment giants have already changed the way we consume entertainment. Who is poised to win this race for eyeballs?
  42. Term


    The process of detecting, evaluating and preventing negative side effects from medications. Pharmacovigilance aims to improve patient safety and quality of care.
  43. Home & Auto

    Top Homebuyer Tradeoffs

    What are you willing to sacrifice when you buy a new home?
  44. Term

    European Medicines Agency (EMA)

    A centralized government body whose goal is to promote and protect human and animal health through overseeing the use of medications in European countries.
  45. Term

    Orange Book

    A list of drugs that the U.S. Food and Drug Administration has approved as both safe and effective. Formally called Approved Drug Products with Therapeutic Equivalence Evaluations, the Orange Book does ...
  46. Term


    A substance that cures, treats, prevents or reduces the symptoms of a disease or ailment.
  47. Insurance

    Why You Don’t Need Mortgage Protection Life Insurance

    Mortgage protection life insurance sounds great in concept - a guarantee that your mortgage will be paid off if you die unexpectedly. But take a hard look at what you get before choosing it.
  48. Insurance

    What You Need To Know About COBRA Health Insurance

    We go through everything you need to know about COBRA so that you can decide if it's right for you.
  49. Fundamental Analysis

    Ethical Investing Tutorial

    Learn everything there is to know about ethical investing.
  50. Home & Auto

    5 Risky Mortgages To Avoid

    There are plenty of ways to end up with a bad mortgage. The risks of these five should make every homebuyer think twice before signing.
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