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. Credit, Loans & Mortgages

    6 Tips to Get Approved for a Mortgage

    You can change your bank's answer to a loan request from 'No' to 'Yes'. Find out how.
  2. Financial Analysis

    Net Operating Income - NOI

    Net operating income (NOI) is a company's income after operating expenses are deducted, but before income taxes and interest ...
  3. Mutual Funds

    Target-Date Fund

    A target-date fund is a fund offered by an investment company that seeks to grow assets over a specified period of time for ...
  4. Commodities

    Goldilocks Economy

    A Goldilocks Economy is an economy that is not so hot that it causes inflation, and not so cold that it causes a recession. ...
  5. Small Business

    Common Carrier

    A common carrier is a commercial entity that gets paid to transport goods or people.
  6. Career / Compensation

    7 Outstanding Female Investors

    Here are seven women who outperform their male counterparts in the business world.
  7. Credit, Loans & Mortgages

    How the Debt Collection Agency Business Works

    Understanding how the debt collection business works will give you a better chance of coming out ahead if you ever have to ...
  8. Credit, Loans & Mortgages

    The 5 Biggest Factors That Affect Your Credit

    Credit companies rely on these factors to determine whether to lend to you and at what rate.
  9. Credit, Loans & Mortgages

    Should I pay my mortgage with my credit card to earn credit card rewards?

    If you try, in order to earn cash back rewards, you'll discover that your options are extremely limited and are unlikely ...
  10. Mutual Funds

    Investment Company Act of 1940

    The Investment Company Act of 1940 was created through an act of Congress to require investment company registration and ...
  11. Credit, Loans & Mortgages

    10 Reasons to Use Your Credit Card

    There's a surprising credit card strategy you should employ as a consumer: Use your credit card for everything (well, almost). ...
  12. Budgeting & Savings

    7 Smart Steps Every New Homeowner Should Take

    Don't let the excitement of owning your own home lead you to make bad financial decisions.
  13. E-Commerce

    Electronic Commerce - ecommerce

    Electronic Commerce (ecommerce) is a business model that enables a firm or individual to conduct business over an electronic ...
  14. Career / Compensation

    ‘Retired’ Too Soon? How to Reenter the Workforce After 50

    Here's what you need to know to survive financially and reenter the workforce when you're over 50 and a layoff has forced ...
  15. Credit, Loans & Mortgages

    How HELOCs Can Hurt You

    A home equity line of credit is a convenient way to borrow money. Just be careful to avoid the pitfalls.
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