Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. A set-off clause is a legal clause that gives a lender the authority to seize a debtor's ...

Christina Majaski writes and edits finance, credit cards, and travel content. She has 14+ years of experience with print and digital publications. Robert Kelly is managing director of XTS Energy LLC, ...

We are a team of writers, experimenters and researchers providing you with the best advice with zero bias or partiality. Company values, AKA core values, are the guiding principles that define how a ...