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Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Katrina Ávila Munichiello is an experienced editor, writer, fact-checker, and proofreader ...

Justin Jaffe is the Managing Editor for CNET Money. He has more than 20 years of experience publishing books, articles and research on finance and technology for Wired, IDC and others. He is the ...

We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Colleen Hagerty Colleen Hagerty is a writer focused on emergency preparedness.