Authors

Michael Bennett writes Legamoney's mortgage coverage: payment and amortisation maths, refinancing decisions, preapproval and underwriting, home equity and reverse mortgages. He works from HUD programme handbooks, CFPB rules under TILA and Regulation Z, and the FHFA conforming loan limits, and links to the weekly Freddie Mac survey rather than quoting a fixed rate. He works with the Legamoney Mortgage & Lending Desk.

• Mortgages (128)
• Home Loans (5)
• Mortgage Refinancing (4)
• Interest Rates (3)

140 articles

Emily Richardson covers the software side of money: accounting and invoicing platforms, payroll and CRM tooling, payment processing and consumer fintech. Her comparisons are built from vendors' own published pricing and terms pages, dated at the time of writing, rather than from review-site rankings or affiliate placements. She works with the Legamoney Editorial Team desk.

• Fintech (86)
• SaaS Pricing (18)
• Accounting Software (4)
• Payment Platforms (4)

125 articles

Sarah Mitchell covers borrowing outside the mortgage: personal loans, credit cards, student debt, debt payoff strategy and how credit scoring actually works. She uses CFPB guidance, the Federal Reserve's G.19 consumer credit release and the federal student aid rules as her reference points, and shows payoff arithmetic in full. She works with the Legamoney Mortgage & Lending Desk.

• Student Loans (78)
• Credit (4)
• Debt Management (4)
• Personal Loans (4)

91 articles

James Anderson writes Legamoney's life and health insurance coverage: term versus permanent policies, underwriting and exclusions, marketplace and employer health plans, deductibles and out-of-pocket maximums. He reads the policy language and the NAIC model terminology rather than relying on carrier marketing, and states plainly what a policy does not cover. He works with the Legamoney Insurance Desk.

• Insurance Basics (24)
• Health Insurance (15)
• Travel Insurance (8)
• Life Insurance (4)

51 articles

Olivia Carter covers property and casualty cover: auto liability and collision, homeowners and renters policies, claims and deductibles, and the state rules that decide what an insurer must pay. She works from state insurance department filings and NAIC consumer material, and explains claims outcomes in terms of the actual policy clause that governs them. She works with the Legamoney Insurance Desk.

• Home Insurance (16)
• Auto Insurance (9)
• Business Insurance (9)

34 articles

Robert Hayes writes Legamoney's consumer legal explainers: contract terms, refunds and chargebacks, debt collection rights, small claims and dispute escalation. Every claim is tied to the statute or agency guidance it comes from — the FDCPA text, FTC consumer advice, or state consumer protection offices — and every guide points readers to free legal aid rather than offering advice. He works with the Legamoney Consumer Legal Desk.

• Consumer Rights (15)

15 articles

Sophia Williams covers the legal mechanics of running a business: entity choice and LLC formation, founder and client contracts, licensing and compliance obligations, and the filing deadlines small companies routinely miss. She works from Secretary of State filing requirements, SBA guidance and the statutory text itself. She works with the Legamoney Consumer Legal Desk.

• Contracts (10)

10 articles

Jessica Taylor covers the rules that sit behind financial products: consumer finance regulation, fintech and payments compliance, disclosure requirements and risk management. She tracks CFPB rulemaking, FTC enforcement actions and federal banking guidance, and explains what a rule change means for an ordinary customer rather than for a compliance department. She works across the Legamoney Editorial Team and Consumer Legal desks.

• Business Banking (4)

4 articles

Legamoney is an independent publisher of explanatory guides on borrowing, insurance, personal finance and everyday consumer legal questions. Articles are written by the editorial team rather than by a single named contributor, and they are built from published rules and data from regulators and government agencies — not from opinion or industry marketing. Every guide lists the sources it was written from, shows its arithmetic in full where numbers are involved, and carries publication and update dates so you can judge how current it is. We do not sell financial products, take commission on referrals, or let commercial relationships influence coverage.

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The Mortgage & Lending Desk covers home loans, refinancing, reverse mortgages, home equity, student debt, and credit cards. Its guides are built from the rules that actually govern these products — TILA and Regulation Z disclosure requirements, FHA and HECM programme rules, and the conforming loan limits set each year by the FHFA — rather than from lender marketing. Rates are never quoted as a fixed number: the desk links to the weekly Freddie Mac survey so readers see the current figure. Every payment, amortisation, and payoff example is shown as full arithmetic that matches the site's calculators, so a reader can check the maths line by line.

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The Insurance Desk explains what policies actually cover, what the wording means, and where the gaps usually sit. Insurance in the United States is regulated state by state, so the desk works from NAIC model terminology and consumer material, state insurance department guidance, and the federal marketplace rules for health coverage — then says explicitly when an answer depends on the reader's state or on their own policy schedule. It does not rank insurers on commission and does not publish premium quotes, because a premium without underwriting behind it is a guess.

0 articles

The Investing & Retirement Desk handles compounding, contribution limits, withdrawal rules, and the tax treatment that determines how much of a return a saver keeps. Contribution and deduction figures come from the IRS, claiming ages and benefit rules from the Social Security Administration, and investor protections from the SEC's own investor education material. The desk writes about mechanics — how a Roth conversion is taxed, what a 4% withdrawal assumption does and does not promise — and never about which security to buy. Legamoney is not an investment adviser and receives nothing from any fund or brokerage.

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The Consumer Legal Desk covers the everyday legal ground next to money: debt collection rights, credit reporting errors, contract basics, small claims, and what to do when a company will not put things right. It works from statute and from the agencies that enforce it — the FDCPA and FCRA as administered by the CFPB and the FTC — and from federal and state court self-help material. This desk explains general rules and procedure. It is not a law firm, gives no legal advice on a reader's own matter, and every guide points to legal aid, a state bar referral line, or the relevant regulator for that.

0 articles

Daniel Mercer writes Legamoney's everyday money coverage: budgeting systems, emergency funds, saving strategies and long-range financial planning. He works from published data — Federal Reserve consumer credit series, IRS contribution limits, Bureau of Labor Statistics cost figures — and turns them into arithmetic a reader can reproduce on paper. He works with the Legamoney Editorial Team desk and does not sell or recommend financial products.

0 articles

Christopher Moore writes where tax and legal planning meet: deductions and filing rules, estate planning, wills, trusts and probate. He cites IRS publications and state probate codes directly, shows tax arithmetic step by step, and is explicit about the point at which a reader needs a licensed attorney or CPA rather than an article. He works across the Legamoney Consumer Legal Desk and the Investing & Retirement Desk.

0 articles