Terri Williams is a writer based in Birmingham, AL, who specializes in business, technology, education, real estate, and personal finance – and dabbles in home improvement/décor. She has bylines at The Economist, USA Today, Bankrate, Investopedia, US News & World Report, American Bar Association Journal, Verizon, Realtor.com, Apartment Therapy, and several other clients you’ve probably heard of. Follow her adventures @Territoryone.