Mark Meltzer is executive editor at Atlanta Business Chronicle and lives in Atlanta.
Theo Thimou is director of content for ClarkHoward.com and lives in Atlanta.
Clark Howard is the host of the consumer advocate radio program The Clark Howard Show, HLN's money expert and host, and a #1 New York Times bestselling author.
Mark Meltzer is executive editor at Atlanta Business Chronicle and lives in Atlanta.
Theo Thimou is director of content for ClarkHoward.com and lives in Atlanta.