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