Amy Hoak is Bankrate contributor and a freelance writer in the Chicago area. Her work has appeared in a variety of online publications, magazines, newspapers and wire services, including MarketWatch, The Wall Street Journal, Reuters and Rotary Magazine. She began writing about business and personal finance while working as a newspaper reporter more than 20 years ago, and enjoys covering stories that help people manage their money. Amy also works as a grant writer, specializing in helping nonprofits and artists obtain funding for their projects.

Ashley Onadele has been engrossed in the world of credit card points and miles and travel rewards for more than a decade.

Ashley Hubbard

Bernadette Joy is a nationally recognized personal finance expert, entrepreneur, and educator, passionate about helping people achieve financial independence. As the founder of Crush Your Money Goals®, she has helped thousands of professionals and business owners eliminate debt, grow wealth, and build financial confidence through her courses, workshops, and coaching programs.

Bents has experience with student loans, affordable housing, budgeting to include an auto loan and other personal finance matters that greet all Millennials when they graduate.

Barry Eitel

Daniella Ramirez is a Credit Cards Editor dedicated to helping young readers build smart credit habits, understand card rewards, and avoid common financial pitfalls.

cfennoy

Diane Costagliola

Christina Payne

Deborah Kearns is an award-winning personal finance journalist and corporate communicator who has covered the U.S. real estate and mortgage industries for more than 15 years. Deborah’s work has appeared in the New York Times, Fortune, Associated Press, USA Today, Marketwatch, Newsweek, CNN, Forbes, Wall Street Journal, Los Angeles Times and dozens of other national and regional publications. She is also a Contributing Editor to RISMedia, a leading trade publication for the real estate industry.

Chris grew up in Phoenix, Arizona. He trained as a physicist for several years before discovering the thrill that is the news business. He lives on Long Island with his wife, two beautiful children and mini-schnauzer, Remi.

Daniel Bukszpan

Cindy Perman is a contributing editor for Bankrate. Previously, she was a news editor and writer for CNBC and WSJ.com.

Dayana Yochim is a Bankrate investing writer with more than 25 years of experience as a financial journalist. Her factory-installed settings (common sense, skepticism, good humor) help her guide readers by bringing clarity to the murky world of money management.