About the Author
Melinda Sineriz has a B.A. in English from Miami University and a master’s degree from Bard College. She worked in insurance for six years, educating clients on Medicare supplements, life insurance, long-term care, and annuities.
She’s been creating content about personal finance for more than a decade. Based in Toledo, Ohio, she lives with her spouse, two dogs, and many cats. Her work has appeared on sites like Business Insider, realtor.com, MSN, and Huffington Post.