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. Retirement Living

    How to Use Your HSA for Retirement

    Thanks to its unique tax advantages, a Health Savings Account may be the best retirement option you never knew you had.
  2. Retirement

    Strategies to Use Life Insurance for Retirement

    Here's how to incorporate life insurance into a plan to ensure that you and your family have the smoothest possible transition ...
  3. Investing

    Authorized Stock

    Authorized stock is the maximum number of shares that a corporation is legally permitted to issue, as specified in its articles ...
  4. Credit, Loans & Mortgages


    A mortgage is a debt instrument that the borrower is obliged to pay back with a predetermined set of payments.
  5. Credit, Loans & Mortgages

    Amortization Schedule

    An amortization schedule is a complete schedule of periodic blended loan payments, showing the amount of principal and the ...
  6. Life Insurance

    The Truth About Endowment Life Insurance Policies

    Endowment life insurance is a way to save for your child's college education, but is it as beneficial as the insurance industry ...
  7. Financial Analysis

    Cash Accounting

    Cash accounting is an accounting method in which receipts are recorded during the period they are received, and expenses ...
  8. Taxes

    Top 9 Solutions to an Unexpected Tax Bill

    Finding out you owe when you expected a refund is a nasty shock. Find out how to cope.
  9. Insurance

    Surplus Lines Insurance

    Surplus lines insurance protects against a financial risk that is too high for a regular insurance company to take on.
  10. Insurance

    Employer's Liability Insurance

    Employer's liability insurance protects employers from financial loss if a worker has a job-related injury or illness not ...
  11. Insurance

    Personal Lines Insurance

    Personal lines insurance includes property and casualty insurance products that protect individuals from losses they couldn’t ...
  12. Insurance

    Compulsory Insurance

    Compulsory insurance is any type of insurance an individual or business is legally required to buy.
  13. Taxes

    Filling Out the W-9 Form

    Freelancers and independent contractors have to fill out a W-9 for their employers and clients. Here's what to do.
  14. Retirement

    Provident Fund

    Similar to U.S. Social Security, provident funds in some countries are retirement savings plans into which employees contribute ...
  15. Income Tax

    How to Fill Out Your W-4 Form

    Your step-by-step guide to making sure your employer reports your tax withholding correctly to the IRS.
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