We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Thom Dunn Thom Dunn is a writer focusing on home heating and cooling. He once ...

Shazman is a freelance writer, living in Bangalore. She has worked as a feature writer for "Dawn" Pakistan, where she used to live before getting married to an Indian. Currently contributes blogs to ...

Jiwon Ma is a fact checker and research analyst with a background in cybersecurity, international security, technology, and privacy policies. Before joining Investopedia, she consulted for a global ...