We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Thom Dunn Thom Dunn is a writer focusing on home heating and cooling. He once ...

Jiwon Ma is a fact checker and research analyst with a background in cybersecurity, international security, technology, and privacy policies. Before joining Investopedia, she consulted for a global ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Eric's career includes extensive work in both public and corporate accounting with ...