What Is the Purpose of First Quarter Finance?

First Quarter Finance (FQF) started out providing financial advice for the first quarter of life. We have now grown to all ages. When there’s a question about financing, credit cards, loans, a store policy, or more, FQF is where more than a million people turn to each month. We have done the research, so you don’t have to. We want you to get the information you need and get on with your day. Most of our content is written for users in the U.S., but we also have topics for users in the U.K. and Canada. Some of our more general topics apply to other countries as well.

Why Is First Quarter Finance a Trusted Source for Consumer Information?

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  • Forbes logo
  • Money logo
  • USA Today logo
  • Entrepreneur logo
  • Business Insider logo
  • HuffPost logo
  • Yahoo! Finance logo
  • Medium logo
  • The Globe and Mail logo
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Founded in 2013, FQF has been featured in and cited by a variety of publications, including:

Business Insider November 2018 and December 2018

Chime Bank January 2017

CreditCards.com July 2019

Entrepreneur September 2017

FlexJobs February 2019

Forbes May 2018

Hubstaff Blog January 2019 and May 2019

HuffPost March 2019

Journal of Antiques & Collectibles January 2019

Lifehacker July 2014, December 2014, and February 2015

Medium May 2019

Quicken Loans Zing! Blog December 2015

Remote.co March 2019

SCORE February 2019

USA Today February 2019

U.S. News & World Report February 2019

Yahoo! Finance February 2019

Zillow February 2015

We cite root sources so you can rest assured the information is accurate. The companies we cover are welcome to provide us with additional information which also helps ensure accuracy. If you have concerns about any of the information we provide, please let us know. We will re-verify the information — typically within 24 hours. This helps ensure that you get the right answer. It also helps future readers.

Advertisers have no influence on our content. If a company is represented in an article, they earned the mention; they did not ask or pay for it. We do not accept guest articles, sponsored posts, or any other content created outside of the FQF staff. The content goes from us to you. No one in-between. We take pride in our work. You can trust that FQF content is genuine and not made to manipulate the user.

Articles are updated frequently to ensure accuracy. Date Last Updated is displayed at the top of each article.

For more information, see our Editorial Policy.


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This comment was left on the article: How to Refund a Money Order: USPS, MoneyGram, Western Union, etc

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This comment was left on the article: The 15 Best Places to Sell Non-Working, Junk Cars

Thank you so much for sharing your knowledge in this article. Looked this up because we just got engaged and are planning a large wedding of about 400-500, mostly my family and friends. I also have a large following on Facebook and am pretty sure it will benefit quite a few companies to sponsor our wedding and get some publicity.

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This comment was left on the article: 30+ Places That Cash Personal Checks (Stores Not Scams)

Our Team

Our team consists of experts. We adhere to strict, journal-quality academic standards. We follow a lengthy editorial/peer-review process before publishing. We regularly review articles and make any necessary changes.

Expert Writers & Reviewers

Nichole DeFazio, Esq.

Nichole holds a juris doctorate from Rutgers University School of Law, and a bachelor’s degree in English with a minor in Spanish from The College of New Jersey. She is licensed as an attorney in New Jersey and has been practicing since 2011. Nichole specialized in criminal defense for six years. Currently she works for the State of New Jersey with the Election Law Enforcement Commission prosecuting campaign finance violations. She is an expert in legal research, capable of finding answers to almost any legal question within or outside of her own expertise.

Nichole is an expert in finding side hustles and making side income. In addition to her full-time job as an attorney she holds a part-time job as a bartender and has consistently worked in the service industry since she was 16. She has always held multiple jobs and has personal experience in thinking outside of the box to make additional income. Currently she stays busy by delivering for GrubHub and selling various items online and on various apps.

Nichole’s favorite hobby is traveling; she is an expert in finding the cheapest options to travel the U.S. or abroad and in planning itineraries. During college she studied in Spain to complete her Spanish minor and in law school she studied International Human Rights for a summer in Amsterdam, where she was bit hard by the travel bug. She has so far visited 18 countries with plans to continue adding more to that list, and is working on checking off all the states in the U.S.

Articles by Nichole:How Long Before Credit Cards Sue for Unpaid Debts? AnsweredIs Home Title Lock Worth It? What Is Title Fraud? AnsweredHow Many Hours Can a Per Diem Employee Work? Answeredread more...

Joanna Byrne, DST

Joanna Byrne holds an Associates of Applied Science Diesel Service Technology with Highest Honors from South Plains College, Levelland, Texas. She is an alumna of the Phi Theta Kappa Honor Society, Kappa Mu Chapter and she has a growing stack of industry certifications in electrical diagnostics, engine systems, and auxiliary systems. Before studying to become a mechanic, Joanna worked for two years at Hub City Body Works in Lubbock, Texas where she learned parts management, damage estimation, and quality control. Besides over five years of experience as a technician, she also taught Diesel Service Technology at South Plains College for three years, and also served as the Program Developer towards the program’s certification with Associated Equipment Distributors Foundation. Joanna is a successful fiction and non-fiction writer, and some of her work has appeared in the Texas Tech University literary journal, Harbinger. She freelances as an insurance appraiser for auto, transportation, agriculture, and heavy equipment, besides working as an independent technician across the automotive and agriculture industries.

Andrew M. Byrne, PhD, CRC, CCCE

Career counseling content expert Andrew M. Byrne holds a PhD in Rehabilitation Counseling and Administration from East Carolina University. He teaches Higher Education Counseling and Student Affairs to graduate students at California Polytechnic State University in San Luis Obispo, CA. Andrew is a nationally Certified Rehabilitation Counselor (CRC) and a Certified Career Counselor Educator (CCCE). He brings experiences as a professor, therapist, career and vocational counselor, and researcher- mainly of technology in counseling and higher education. He has also taught at Ohio University and the University of North Carolina School of Medicine. Dr. Byrne also reviews articles for Vocational Evaluation and Career Assessment Professionals (VECAP) and is on the editorial board for the Journal of Rehabilitation. Besides his peer-reviewed publications, you can follow him on twitter at @AMorganByrne.

William Lipovsky

William holds a bachelor's degree in communications studies with an emphasis on business strategy and a minor in political science. He scored in the 98th percentile on the Collegiate Assessment of Academic Proficiency Writing Skills. He is a member of the Phi Theta Kappa Honor Society.

William has been investing since age 10 and has worked in banking and financial advising. He has done research for the Department of Defense at the United States Strategic Command (USSTRATCOM).

He is an expert in the fields of personal finance, consumer shopping, banking, investing, and travel. He is a foremost expert in topics surrounding store policy, consumer credit, check cashing, money orders, and consumer financing.

He spent years freelance writing hundreds of pieces for over a dozen publications. His articles and quotes have appeared Business Insider, Entrepreneur, Forbes, U.S. News & World Report, Yahoo Finance, and elsewhere. He is also published in the U.S. Department of Defense's Defense Technical Information Center (DTIC) Journal through his work at USSTRATCOM.

He is extremely passionate about academic writing standards and is always searching for ways to further improve content credibility and thus improve user experience here at First Quarter Finance. His goal is that his unwavering dedication results in your unwavering dedication to the brand. William is CEO, editor in chief, owner, and founder of First Quarter Finance.

Articles by William:How Many Miles on a Car Before It Dies? AnsweredDoes Marshalls Take Apple Pay? AnsweredDoes Restaurant Depot Accept Food Stamps/EBT/SNAP? Answeredread more...

Brenna Swanston

Brenna is a North Carolina-based writer and editor. She has a bachelor of science in journalism with a minor in religious studies. The California native's news reporting has earned acknowledgments from the California Newspaper Publishers Association and the national College Media Association Pinnacle Awards, including a first-place award for agricultural reporting (CNPA Better Newspapers Contest, 2016) and a first-place profile feature story (CNPA Campus Excellence in Journalism Contest, 2015). Brenna's bylines include USA Today, Chron (the Houston Chronicle's online platform), Career Trend, and 10Best. Brenna enjoys traveling and dedicates at least three months each year to world travel.

Articles by Brenna:ExtremeTerrain Military Discount PolicyMetro by T-Mobile (Formerly MetroPCS) Financing Options ListedDoes Meijer Double Coupons? Answeredread more...

Sonya Bateman

Sonya has written professionally for various websites and publications over the past 18 years. She is also an author with more than 20 thriller and fantasy novels published under her name and the pen name S.W. Vaughn. Her first novel, "Master of None," was published by Simon & Schuster in 2010.

Articles by Sonya:Hobby Lobby Custom Framing Prices DetailedU.S. Bank Check Cashing Policy Explained84 Lumber Prices vs Lowe's vs Home Depot: Lumber Reviewedread more...

Kait Scirri

Kait graduated summa cum laude with a bachelor’s degree in writing and a minor in religious studies. During her senior year, Kait received the English Department Award for Writing. Her freelance writing experience includes writing for a variety of industries including personal finance, health and wellness, and education.

As a First Quarter Finance contributor, Kait has researched and communicated with several national and international companies including America’s Best, Bank of America, CareCredit, Costco, Discover, The Home Depot, PayPal, Sephora, Venmo, and Walmart. Kait is skilled in research and utilizes primary sources, such as corporate and in-store representatives, when researching articles for First Quarter Finance. Her extensive research has made her a subject matter expert in shopping help, store services, payment methods, checks and money orders, budget travel, and side income. She has also extensively researched government programs including Medicaid, WIC, and EBT/ Food Stamps/ SNAP.

In addition to her freelance work, Kait is a published author of several nonfiction books for children and teens and is a member of the Society of Children’s Book Writers and Illustrators. Kait has been a contributor for First Quarter Finance since 2017.

Articles by Kait:Loan Companies That Use Experian OnlyWhere to Get a Business Credit Card With EIN OnlyWhere to Buy Auto Insurance Online With a Checking Accountread more...

Ashley Derrington

Ashley has a bachelor's degree in mass media arts with a minor in theatre and a music business certificate from the University of Georgia. She has worked in the entertainment industry as a project manager and a producer for a number of years and is now a freelancer. Ashley currently travels full time while working remotely, writing for First Quarter Finance, HearingLikeMe.com, and Envoy Medical. She has organized a sports leadership camp for deaf and hard of hearing individuals and has developed a few projects for TV and film. Ashley is a self-professed budget-savvy guru who color-codes her expense spreadsheets and gets a thrill from finding the best ways to travel on a budget.

Articles by Ashley:Using an Octane Rated Higher Than Your Vehicle Needs: Pros & ConsCan You Drive a Car Without Plates After Buying It? Answers by StateIs 76 Gas Good? 76 Gas Quality Reviewedread more...

Jennifer Kostuch

Jennifer has a bachelor's degree in English with a minor in creative writing. She graduated with a 3.9-cumulative GPA. During her college career, she worked at the university's writing center and was an editor for the Wisconsin Review. Jennifer also freelances for Red Cat Media, which has a host of sites dedicated to pets, including The Labrador Site. Whenever she finishes an article, Jennifer reads it aloud to her dogs. They don't offer much feedback, but they are certainly the cutest audience she has read for to date.

Articles by Jennifer:The List of Gas Stations With Vacuums: Citgo? Mobil? etcThe List of Gas Stations With Kerosene Near Me: ARCO? BP? etcHotels That Allow Parties in Rooms Near Me? Answeredread more...

Kathrina Bognot

Kathrina has a master of fine arts in writing for dramatic media and a bachelor's degree in both film and psychology. She was a recipient of The Johnny Brenden Filmmaker Award, which allowed to write and direct her first feature film, "Death to False Hipsters." Kathrina enjoys all things art, iced coffees, bargain shopping, and expanding her skill set. She is currently studying radiography.

Articles by Kathrina:How to Use a Virtual Credit Card + Where to Get a Virtual Credit CardThirty-One Business Names: The List of IdeasDriveTime Repossession Policy & Processread more...

Katie Spence

Before starting her career as a financial journalist, Katie was an active-duty Airborne Operations Technician for the United States Air Force. During her time in the military, she gained in-depth knowledge on how the military operates and learned how defense companies, and the equipment they provide, impact military readiness. Katie has a degree in analytic philosophy from the University of Colorado. After college, she was accepted into The Motley Fool's Writer Development program. Upon completion, she joined The Motley Fool as a contributing writer and used her military background to analyze defense companies. She now writes for First Quarter Finance. Her work has also appeared on The Cheat Sheet, Investing.com, and numerous other sites.

Articles by Katie:USAA Deposits: Large Check Rules ExplainedThe Check Cashing Store FeesState Farm Grace Periods Explainedread more...

Jamie Cattanach

Jamie Cattanach transitioned to full-time freelance writing after spending more than a year writing for The Penny Hoarder, a blog focused on finding the fun in making and saving money. From there, she proceeded to write for outlets like Yahoo! Finance, The Motley Fool, CNBC, The Huffington Post, and others, focusing primarily on personal finance but also writing about travel, body image, and living well in general. She holds a bachelor's degree from Saint Augustine, Florida's Flagler College, where she double majored in English literature and philosophy and minored in psychology. (See? Humanities kids CAN make a living!)

These days, Jamie bounces around the country in a 17-foot travel trailer, finding as much adventure and affordability as possible in everyday life. She's committed to intentional living, escaping the cycle of consumerism, and sharing what she learns with readers in whatever ways possible. You can learn more and follow along at www.jamiecattanach.com.

Articles by Jamie:How to Make Recycled Asphalt HardMinimum Credit Score Needed for Nissan Financing? Answered12 Same Day, Bad Credit Loans You Can Apply for Online or In-Storeread more...

Katharine Paljug

Katharine Paljug is a freelance content creator and editor. In addition to First Quarter Finance, her articles can be found on Business News Daily, Business.com, SheKnows, and YFS Magazine. Visit Katharine-Writes.com to access her free library of resources for small business owners or follow @kpaljug on Twitter.

Articles by Katharine:Hotel Cancellation Policy by Chain: Marriott? Hilton? etcBig Lots' Coupon Policy ExplainedWhere to Buy Brandy Melville: Nordstrom? PacSun? etcread more...

Hannah Williams

Originally from Wales, Hannah has embraced the digital nomad lifestyle and is currently traveling Europe in her vintage Volkswagen camper van. She splits her time between the U.K. and Spain, all while indulging her lifelong passion for writing.

Articles by Hannah:Does Planet Fitness Have Wi-Fi? Is It Free? AnsweredWhere to Sell Stamps & Stamp CollectionsSafeway Carpet Cleaner Rental Policyread more...

Loren Eaton

Loren has more than a decade and a half of management experience with a long-running agricultural business. He holds an undergraduate degree from Wheaton College and received an MBA from Florida Atlantic University. During college, he interned with Merrill Lynch and has experience with fixed-income securities.

His contributions to First Quarter Finance include articles on business checking, credit building, workers compensation, repossession, various discount and return policies of major retailers, credit card approval odds, check-cashing apps, tribal and payday lenders, EBT, gas quality comparisons, and Company D, the secret, on-site Disney stores usually only available to cast members. He has also written for numerous print publications and online magazines, producing interactive apps, travel guides, parenting pieces, and pop-culture reviews.

Loren is passionate about providing high-quality, actionable information on personal finance that is backed up by original research.

Articles by Loren:Uber Credit Card Approval Odds ExplainedCredit Tiers for Auto Loans ExplainedU.S. Bank Credit Card Approval Odds Explainedread more...

Caitlin Troutt

Caitlin has a bachelor's degree in human services with a minor in sustainability from The George Washington University. Since 2013, Caitlin has been writing and conducting research both academically and professionally. Aside from her work as a freelance writer, she spends several months a year in full-time volunteer work for an international NGO. Caitlin is based in southern India and travels to at least 15 different countries every year.

Articles by Caitlin:The List of Companies That Buy Contents of HousesTD Auto Finance Repossession PolicyDoes Planet Fitness Have Towels? Showers? Answeredread more...

Justin McMahon

Justin has a master’s degree in psychology with a minor in health and exercise science. During his college career, he received multiple awards for his involvement in the university’s research team.
When he is not working, Justin acts as a “Top 50” reviewer on Amazon and has tested and written reviews for hundreds of new-to-market and well-established brands and products.

Articles by Justin:Costco Starbucks Gift Cards: In-Store? Online? AnsweredREI Shoe Return Policy: Time Limit, etcWhen Does CB2 Have Sales? Is There a CB2 Sales Calendar? Answeredread more...

Lindsey Desmet

Lindsey has a master's degree in library and information science, a graduate certificate in information management, and a bachelor's degree in liberal studies, where her areas of concentration were journalism, history, and literature. During her academic career, she was named an honor scholar and James B. Angell Scholar, was nominated to the Beta Phi Mu International Honor Society, and won two undergraduate writing awards.

As a contributor and editor at First Quarter Finance, Lindsey has researched many prominent companies, such as Ally Bank, Ashley Furniture, Best Buy, Capital One, CarMax, Discover, Enterprise, Kroger, Nordstrom, Overstock, Sam’s Club, Verizon, Visa, and Walmart. She conducts deep and thorough research to ensure that her articles, as well as FQF’s older articles, contain accurate and up-to-date information. Her research often includes interviews; thorough readings of official documents like state and federal laws, corporate handbooks, and cardholder agreements; and first-hand contact with corporate and store representatives. Lindsey has expertise in retail store policies, consumer savings, personal finance, banking, loans, and credit cards.

Lindsey is passionate about research, the written word, and connecting people with the information they need. Her writing has been published in The Michigan Journal and on her classic film blog, TheMotionPictures.net. Lindsey is a writer and editor at First Quarter Finance.

Articles by Lindsey:Can You Overdraft a Prepaid Card? AnsweredNetspend Withdrawal at Walmart FAQsCan You Use a Prepaid Card for Uber? Answeredread more...

Cathy Desmet

Cathy has a business degree and a background in business management within several different industries, including education, foodservice management, healthcare, manufacturing, and retail. She has been a business owner and manager; an accounting, human resources, and hiring manager; a trusted business keyholder; a technology help desk leader; a reading and writing tutor, and a teaching assistant. Many of her previous positions involved working closely with insurance brokers and agents, CPAs, business lawyers, and the IRS to provide positive financial solutions for business owners. She has also written several employee handbooks for small businesses and mid-size companies. Her business experience spans nearly 30 years.

As a freelance contributor at First Quarter Finance, Cathy is educated, knowledgeable, and diligent when it comes to consumer research and finding the most current and complete information for FQF readers. She specializes in researching AARP and senior discounts, student and military discounts, store policies, and consumer credit. Her thorough research process includes connecting with corporate and hourly associates as well as studying official policy documentation. She has researched Amazon, Barnes & Noble, Big Lots, Burger King, Burlington, Costco, Cracker Barrel, Food Lion, JCPenney, Kohl’s, Kroger, Macy’s, Marshalls, Old Navy, Olive Garden, Pearle Vision, Publix, Red Lobster, REI, Sam’s Club, SITKA, Target, Tiffany & Co., Walmart and Whole Foods, among many others.

Cathy volunteers for many organizations including the Alzheimer’s Association, the Ehler’s Danlos Society, the Loeys-Dietz Society, Make-A-Wish, and the Michigan Humane Society. She has written several blog posts as a guest for The Motion Pictures.net. Cathy has been a contributor to First Quarter Finance since 2018.

Articles by Cathy:Can You Negotiate With CarMax? AnsweredWhere to Find Kroger Zoo TicketsCan You Get Cash Back From a Walmart Gift Card? Answeredread more...


William Lipovsky

William holds a bachelor's degree in communications studies with an emphasis on business strategy and a minor in political science. He scored in the 98th percentile on the Collegiate Assessment of Academic Proficiency Writing Skills. He is a member of the Phi Theta Kappa Honor Society.

William has been investing since age 10 and has worked in banking and financial advising. He has done research for the Department of Defense at the United States Strategic Command (USSTRATCOM).

He is an expert in the fields of personal finance, consumer shopping, banking, investing, and travel. He is a foremost expert in topics surrounding store policy, consumer credit, check cashing, money orders, and consumer financing.

He spent years freelance writing hundreds of pieces for over a dozen publications. His articles and quotes have appeared Business Insider, Entrepreneur, Forbes, U.S. News & World Report, Yahoo Finance, and elsewhere. He is also published in the U.S. Department of Defense's Defense Technical Information Center (DTIC) Journal through his work at USSTRATCOM.

He is extremely passionate about academic writing standards and is always searching for ways to further improve content credibility and thus improve user experience here at First Quarter Finance. His goal is that his unwavering dedication results in your unwavering dedication to the brand. William is CEO, editor in chief, owner, and founder of First Quarter Finance.

Alexandra Fowler

Alexandra earned a bachelor’s degree with distinction in behavioral neuroscience from the University of Kansas Honors Program and completed an original honors thesis for which she received three awards before even tossing her cap. Her research crosses multiple disciplines, including neuroscience, bankruptcy, and personal finance; has been published in several leading journals, including Neurology; and, has taken her all over the country to present. Alexandra leads the research team at First Quarter Finance.

Emily Perschbacher

Emily has a bachelor of science degree in journalism and more than 10 years of newspaper experience as a writer and editor. Her work has been published in the Chicago Tribune and republished in more than 25 syndicate newspapers nationwide. Emily has also studied government and policy changes in Asia and is consistently enrolling in editing courses and taking editing tests online. Her passions include reading, running, and tea parties with her daughter.
Emily is the managing editor at First Quarter Finance.

Jennifer Becker

Jennifer is a freelance Art Director based in Brooklyn, NY. She oversees design for FQF's Pinterest account and website. A creative thinker with a varied background her experience includes designing for large fashion brands, start-ups and print publications doing work that includes large scale print campaigns, web design, photo art direction and branding. Some of her work has been seen on the streets of New York City and published in The New York Times. Jenn can often be found browsing furniture and home decór shops and websites for ideas to make over the apartment she shares with her husband and young son. She also enjoys baking, trips to the farmer's market and walking through Prospect Park with her yellow lab.

Amanda Chatham

Amanda has an art degree from Nazareth College of Rochester. After graduation, she started writing in-depth articles about her creative niche: photography. Her writing focused on equipment reviews, product releases, and technical how-tos. She has contributed to B&H Explora; the Lynda.com blog, Contrastly; The Phoblographer; and others.

Since 2012, Amanda’s content specialties have expanded into other fields, including emerging tech, personal finance, business, and entrepreneurship. As an editor, Amanda has worked with The Balance, Investopedia, TripSavvy, and Wise Bread. She's also a contributing editor for First Quarter Finance.

First Quarter Finance is owned by More Holdings LLC. More Holdings LLC is a Nebraska-based company that operates at:

More Holdings LLC
7400 Tallgrass Parkway, 307A
Lincoln, NE 68521

For inquiries, please use our Contact page or the address above.