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Lou Carlozo is a Chicago-based writer specializing in personal finance and investment. An award-winning journalist with more than 25 years experience, his writing has appeared in publications including the Chicago Tribune (where he served on staff for 16 years) and AOL’s WalletPop (where he served as managing editor). His work has also appeared in Reuters Money; Reuters Small Business; U.S. News and World Report; H&R Block’s Block Talk; Entrepreneur magazine; and CURRENTS Magazine, published by the Council for Advancement and Support of Education.