Beverly is a writer, editor, and paralegal specializing in personal finance and tax law. She covers personal financial and legal topics, as well as tax breaks, tax preparation software, and tax law ...

Ducharme is a contributor to TIME. Ducharme is a contributor to TIME. Amid growing concern over a mysterious outbreak of vaping-related lung illnesses and deaths, as well as a persistent epidemic of ...

Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...