Shelly K. Schwartz has covered business and personal finance news for 20 years, most recently as a full-time freelancer in Maplewood, N.J. Her work appears regularly on CNBC and Bankrate, but her articles have also been featured on FoxBusiness, Yahoo Finance, NBC News, USA Today and Kiplinger. Shelly also writes a monthly column for Physicians Practice magazine called “The Administrator’s Desk,” along with feature stories on the business of delivering health care. Prior to freelancing, she worked as the personal finance editor for CNNMoney in New York, producing content, managing a staff, developing special reports and appearing on air. Shelly started her career as a staff writer for Baltimore-based business and legal newspaper, The Daily Record, and for The Gazette Newspapers in Montgomery County, Md. She graduated Phi Beta Kappa with a major in journalism and a minor in English from the University of Maryland at College Park.