J. William Carpenter is an economist who writes financial topics. He is an author of published works for higher education and business clients. Katie Miller is a consumer financial services expert.

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

At business.com, we’ve spent years advising entrepreneurs, creating actionable guides for obtaining funding and managing business finances, and comparing and contrasting leading software and services ...