The people behind the bylines. They are real, we checked.
Every piece we publish carries a named author. Here are the editors and writers who produce the work, and answer for it.
Chris Terry
EditorChris Terry edits Encore Editorial. He runs content across the publication network and keeps the unglamorous parts: editorial standards, sourcing practices, and the last check that the numbers are right before anything ships.
He came up through business operations, market research, and technical writing. He has written a lot about business finance, consumer markets, and regulation, with a stubborn habit of making complicated things readable for people who already have a job.
Chris works from San Diego. The contact page reaches him, ideally about something interesting.
Jessica Martinez
Contributing Writer, Business & FinanceJessica Martinez writes about the plumbing of money: consumer lending, insurance pricing, and the small-business loans that keep Main Street lit. She spent six years as a credit analyst before deciding the spreadsheets held stories nobody was bothering to tell.
She reads the fine print, then says what it means without the law degree. Her work turns dense financial disclosures into something you can use before you sign.
Jessica writes from Las Vegas, Nevada, on an indefensible amount of cold brew and a standing distrust of any rate quoted without a footnote.
Marcus Vance
Contributing Writer, TechnologyMarcus Vance covers software, AI tooling, and the economics of the platforms everyone uses and nobody fully understands. Eight years as a software engineer means he shipped enough bad ideas to spot the warning signs in everyone else's.
His specialty is translation: taking a release note written by engineers for engineers and saying what it actually changes for the people stuck living with it. He is allergic to the word 'seamless' and will fight you on it.
Marcus works from Austin, Texas. He still keeps a terminal open at all times, partly out of habit and partly for the comfort.
Priya Raman
Contributing Writer, Policy & RegulationPriya Raman writes about tax, regulation, and compliance: the rules that quietly decide what businesses and households can and cannot do. She came up through public administration and regulatory affairs, where she learned that the changes that matter most usually arrive disguised as one paragraph in a 300-page rulemaking.
Her job, as she sees it, is to read those paragraphs so you do not have to, and to flag the ones that will cost you money. She is precise to a fault and takes an unsourced statistic as a personal affront.
Priya works from the Washington, D.C. area. She reads Federal Register notices for fun, which she admits is not a normal hobby.
Naomi Foster
Contributing Writer, HealthcareNaomi Foster covers the part of healthcare that shows up after the appointment: coverage rules, hospital pricing, and the bills that arrive months later in a language no patient was taught. She spent nearly a decade as a registered nurse before trading twelve-hour shifts for a keyboard, which she maintains was a lateral move on the stress front.
Her specialty is making the system legible: what Medicare actually covers, why two hospitals charge wildly different prices for the same procedure, and how to read an explanation-of-benefits letter without filing it under 'deal with later.' She writes for the patient holding the paperwork, not the committee that wrote it.
Naomi works from Washington, D.C. She still checks, by reflex, whether a health claim is backed by a peer-reviewed source, a habit she has stopped apologizing for.