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Lucy Lazarony is a freelance personal finance writer. Her articles have been featured on Bankrate.com, MoneyRates.com, MSN Money, and The National Endowment for Financial Education. Prior to freelancing, she worked as a staff writer for Bankrate.com for seven years. She earned a bachelor’s degree in journalism from the University of Florida and spent a summer as an international intern at Richmond, The American International University in London. She lives in South Florida.