About

Our purpose is to provide consumer information that is

Accurate Actionable

When we publish an article, although it’s a great article, we only see about the first quarter of our work as done. We continually update our articles to make sure the information you receive is accurate.


Contents

What Is the Purpose of First Quarter Finance?

First Quarter Finance (FQF) started off helping those in the first quarter of life understand their finances. Today, we have grown into a consumer information brand focused on answering questions about shopping and personal finance for all ages. We exist to provide accurate and actionable consumer information to our users. When you have a question about a store policy, where to buy something, making money, or any other consumer topic, FQF is where you come. 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?

  • U.S. News & World Report logo
  • Forbes logo
  • Money logo
  • USA Today logo
  • Entrepreneur logo
  • Business Insider logo
  • HuffPost logo
  • Yahoo! Finance logo
  • Medium logo
  • The Globe and Mail logo
  • Lifehacker logo

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.

Testimonials

I am so pleased to have found this website! It has so many interesting articles and a ton of useful information! I cannot adequately express how refreshing it is! Thank you so much!

Phyllis R. Mick

7/14/2019

This comment was left on the article: Where Can I Get a Photo ID Besides the DMV? Answered

 

Wow. Great site. Great information. Great resources. You’re awesome. Thank you for responding to these questions. We appreciate your time you give to help others out.

Shelly McCune

11/01/2017

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

 

This article was very helpful to me. I went to CSL Plasma in Hazel Crest, Ill. I made $270 in the month of August. As someone who works a part-time minimum wage job this extra money will really come in handy. I recommend that people drink a sports drink immediately after donating. I make my own from a recipe I found online. I expect to make over $300 in September because they are offering a $80 bonus on your 8th donation of the month.

Leslie Dian

9/2/2017

This comment was left on the article: How to Donate Blood for Money and Earn $500 per Month

 

Thank you so much for this article. It had exactly what I wanted to know about where to get a copy of my car key. Great job!!

Angelica M.

7/16/2017

This comment was left on the article: Keys Made Near Me? 20+ Places to Get Keys Made (Walmart? Lowe’s?…)

 

Thank you for posting this article and for your help! I was at a loss as to what my options are when I suddenly discovered my car had finally given out and wouldn’t start while trying to leave work this evening, and now have a start to a plan. Your time and effort is very appreciated. Thanks again!

Tess

5/23/2017

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.

I just had something tragic happen in my family so have to take care of my siblings. We also just moved to NC, which makes it pretty hard financially to be planning a large wedding. Because I have been blessed with so many awesome people in my life, I will hate for any of them to miss my wedding. On the other hand, we would not want to incur a huge bill and start the marriage with a financial burden. So will be researching and getting some sponsors for the wedding of my dream.

Quinta

3/14/2017

This comment was left on the article: Wedding Sponsors: How It Works + How to Get Your Wedding Paid For

 

Great article with a lot of useful information. Thank you for taking the time to compose it.

Roxanne

10/2/2016

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


Our Team

Our team consists of subject-matter experts that adhere to strict, journal-quality academic standards. We follow a lengthy editorial/peer-review process to guarantee the quality and accuracy of our content.

Management

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 inside a financial advising firm. He has done research for the Department of Defense at the United States Strategic Command (USSTRATCOM).

He is an expert in the consumer shopping, personal finance, automotive, banking, investing, side income, and travel fields. He has researched hundreds of companies for his work on First Quarter Finance such as Walmart, Amazon, Kroger, Costco, Walgreens, CVS, Kmart, American Express, eBay, Wells Fargo, Albertsons, Bank of America, Chase Bank, Meijer, Best Buy, and Citibank. His research has included interviews, emails, and many deep dives into how these companies actually handle consumers. He is a foremost expert in topics surrounding check cashing, money orders, store policy, consumer credit, 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, Investopedia, 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.


Expert Writers & Reviewers

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 inside a financial advising firm. He has done research for the Department of Defense at the United States Strategic Command (USSTRATCOM).

He is an expert in the consumer shopping, personal finance, automotive, banking, investing, side income, and travel fields. He has researched hundreds of companies for his work on First Quarter Finance such as Walmart, Amazon, Kroger, Costco, Walgreens, CVS, Kmart, American Express, eBay, Wells Fargo, Albertsons, Bank of America, Chase Bank, Meijer, Best Buy, and Citibank. His research has included interviews, emails, and many deep dives into how these companies actually handle consumers. He is a foremost expert in topics surrounding check cashing, money orders, store policy, consumer credit, 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, Investopedia, 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. Kait has strong research skills and has authored six nonfiction books for children and teens. She 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:Safeway Return Policy ExplainedSeafood Places That Accept EBT Near MeBanks That Offer Early Direct Deposit Listedread 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:Who Sells Trader Joe's Gift Cards? AnsweredDoes ecoATM Take Broken Phones? Locked Phones? AnsweredHow Long Does It Take to Get Severance Pay? Army Pay? Answeredread more...


Jamie Cattanach

Jamie Cattanach is a full-time freelance writer focusing on personal finance, travel, and living well. Besides First Quarter Finance, her work has been featured in Fodor’s, Yahoo!, Self, The Motley Fool, Roads & Kingdoms, and other outlets. When she is not exploring new destinations, she splits her time between the two oldest cities in America: Saint Augustine, Fla., and Santa Fe, N.M.

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 loves words and holds a bachelor's degree in literature from Wheaton College. However, as a business manager for 15 years and a recipient of an MBA from Florida Atlantic University, he also understands the importance of combining punchy prose with sound business counsel. He has written for numerous print publications and online magazines, as well as producing interactive apps, travel guides, parenting pieces, pop-culture reviews, and articles about personal finance. Occasionally, he has even been known to indulge in writing fiction, and a few brave markets have even dared to publish his stories.

Articles by Loren:Does CarMax Take Trade-Ins? AnsweredIs ARCO Gas Bad? Is ARCO Gas Good? AnsweredAutoZone Battery Warranty Policy & AutoZone Battery Return Policyread 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 and a bachelor's degree in liberal studies, where her areas of concentration were journalism, history, and literature. 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. 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:Is Mobil Gas Good? Mobil Gas Quality ReviewedThe List of Branded Gift Cards Sold at AsdaCan You Sell Home Depot Store Credit for Cash? Answeredread more...


Cathy Desmet

Cathy has a degree in business and a background in business management. She has more than 20 years' experience in accounting and human resources and has written several employee handbooks for small- to mid-size companies. Cathy is an avid reader and enjoys researching. She has been a contributor to First Quarter Finance since 2018.

Articles by Cathy:Acme Western Union/Money Order PolicyPearle Vision Eye Exam Costs ExplainedDoes Rite Aid Price Match? Answeredread more...


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...


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.


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.



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.