Professionals sitting and text that reads, "About Us"

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’re always updating to make sure the information you receive is accurate.

What Is the Purpose of First Quarter Finance?

First Quarter Finance (FQF) exists 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 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 are applicable to many other countries as well. If you have a question for us, remember you can always use our Contact page.

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

Founded in 2013, FQF has been featured in
Money MagazineYahoo! FinanceHuffPost, Lifehacker US and UK, The Globe and Mail, Zillow, U.S. News & World Report, Business Insider and more.


We cite root sources so you can rest assured the information is accurate. You can verify the information if you wish. The companies we cover often provide us with information which also helps ensure accuracy. If you are concerned about something, please let us know. We will re-verify the information typically within 24-hours. This helps ensure 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 team. The content goes from us to you. No one in-between. This is a very big deal. We do this so you can trust that FQF content is genuine and not made to manipulate the reader. This level of integrity is rare. We are very proud of this.

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.

Our Team

Our team consists of subject-matter experts that adhere to strict journal-quality academic standards which includes a lengthy editorial/peer review process.


William Lipovsky

William holds a bachelor's degree in business and communications with a minor in political science. In the first year of his degree, he scored in the 98th percentile on the Collegiate Assessment of Academic Proficiency Writing Skills test. He is a member of the Phi Theta Kappa Honor Society. William is an expert in consumer shopping, personal finance, automotive, banking, investing, side income, and travel. His articles and quotes have appeared in other respected publications such as Business Insider, Entrepreneur, Forbes, Investopedia, U.S. News & World Report, and Yahoo Finance. He is also published in the U.S. Department of Defense's Defense Technical Information Center Journal. William is Founder, Owner, and CEO 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.

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 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, and Wise Bread.

Expert Writers & Reviewers

William Lipovsky

William holds a bachelor's degree in business and communications with a minor in political science. In the first year of his degree, he scored in the 98th percentile on the Collegiate Assessment of Academic Proficiency Writing Skills test. He is a member of the Phi Theta Kappa Honor Society. William is an expert in consumer shopping, personal finance, automotive, banking, investing, side income, and travel. His articles and quotes have appeared in other respected publications such as Business Insider, Entrepreneur, Forbes, Investopedia, U.S. News & World Report, and Yahoo Finance. He is also published in the U.S. Department of Defense's Defense Technical Information Center Journal. William is Founder, Owner, and CEO of First Quarter Finance.

Articles by William: How Many Miles on a Car Before It Dies? (Tip: Maintenance is Key)Does Marshalls Take Apple Pay? All Payment Options IncludedDoes 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: Is There an ExtremeTerrain Military Discount? AnsweredMetro by T-Mobile (Formerly MetroPCS) Financing Options ListedDoes Meijer Double Coupons? Meijer Coupon Policy Explainedread 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: Does America's Best Accept CareCredit? AnsweredDoes America's Best Take VSP? AnsweredTransmission Fluid Change Cost at Walmart: Availability, etcread 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 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? Here's the 76 Gas Quality Investigationread 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: Classic, Descriptive, Wordplay Naming IdeasDriveTime Repossession Policy: How Long Will It Take to Repo? Answeredread 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 and, focusing on the defense industry, industrials, and consumer goods. Her work has also appeared on The Cheat Sheet.

Articles by Katie: Bank of America Cash Withdrawal Limit at the Counter ExplainedMichigan's Adventure Tickets at Meijer: Prices, etcWalmart Shoe Return Policy Explainedread 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,, SheKnows, and YFS Magazine. Visit 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? etcWhat Is Big Lots' Coupon Policy? Availability, Restrictions, etc ExplainedWhere to Buy Brandy Melville: Store Locations? 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 WiFi? Is It Free? AnsweredWhere to Sell Stamps & Stamp Collections ListedSafeway 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: Publix Busch Gardens Tickets: Availability, Pricing, etcPublix Universal Tickets Policy: Where to Buy, Passes Sold, etcWalmart PS4 Return Policy & Walmart Xbox Return Policy 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? 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, Lindsey is a writer and editor at First Quarter Finance.

Articles by Lindsey: McMaster-Carr Shipping Costs Explained20+ Stores Like Party City ListedHow Old of an RV Can You Finance? 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: Busch Gardens Williamsburg Discount Tickets: Food Lion? AnsweredWild Water Adventure Park Tickets at Costco: Prices etcLowe's Return After 90 Days: With Receipt? etcread 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...

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 send mail to the address above.