Melanie Grafil

Senior Editor

Melanie has been part of the GOBankingRates editorial team since 2020. She brings close to a decade of experience in SEO, editing and content writing. Prior to joining, she was a writer and SEO manager at an internet marketing agency, where she learned the importance of high-quality content optimized for SEO best practices.

An avid fiction writer, she has been published in The Northridge Review, where she had also served as co-head editor, and Tayo Literary Magazine.

Education

M.A. in English and Creative Writing, California State University, Northridge

B.A. in English and Creative Writing, California State University, Northridge

Expertise in

SEO
Finance/Money

Is Costco Open on Easter Day 2024? Costco Easter Hours

Discover Costco's holiday hours for Easter to plan your festive shopping and preparations with convenience.

by Melanie Grafil

1099 vs. W-2 Employee: What’s the Difference and What Does It Mean for Your Taxes?

How you're classified as an employee will affect you file your taxes. So, does that mean you're a W-2 or a 1099 employee? If you're an employee, you'll receive a W-2. And if you're an independent...

by Melanie Grafil

Lowe’s Hours: Full Hours and Holidays | What time do they Open?

Lowe's has become a favorite store for many as the first stop for home improvement. You can find nearly everything at Lowe's to complete a kitchen remodel just the way you've envisioned it, finish up...

by Melanie Grafil

Kohl’s Hours: Full Hours and Holidays

If you're a frequent shopper at Kohl's, you'll want to know what holidays your local store will be open so that you can shop around its hours accordingly. Keep reading to learn about Kohl's daily...

by Melanie Grafil

Is Walgreens Open on New Year’s Day 2024? Here’s What You Need To Know

Navigating the holidays requires some planning, especially when it comes to store visits. Walgreens, known for its nationwide presence and 24-hour locations, serves as a convenient option for many...

by Melanie Grafil

My Citi Experience: ‘No Nonsense, No Upselling, Very Easy’

Products and Services Used GOBankingRates interviewed an average Citi customer based in Las Vegas who asked to be referred to as Ralph Bel. Bel regularly banks with Citi, both online and in person at...

by Melanie Grafil

More from our award winning expert contributors

Barbara Ginty is a Certified Financial Planner and the host of the "Future Rich" podcast. Each week on the show, Ginty interviews women about their finances and helps them develop a plan to achieve their goals. The podcast was selected by NextAdvisor as one of the 10 Best Finance Podcasts for 2021.

Dave Ramsey is a personal finance expert, bestselling author of numerous books including "The Total Money Makeover" and host of the financial advice show "The Ramsey Show," heard by 23 million listeners every week. He is also the CEO of the company Ramsey Solutions, which connects people with plans for financial success in numerous areas such as getting out of debt and saving for retirement.

David Bach is a trusted financial expert and the author of several bestselling personal finance books, including "The Automatic Millionaire" and "Smart Women Finish Rich." In addition to reaching millions through his books, Bach has shared his money advice as both a television and radio host. He has been a contributor to NBC's "Today Show" and hosted the radio shows "The FinishRich Minute" and "Finish Rich With David Bach."

Grant Cardone is the author of "The 10X Rule" and CEO of Cardone Capital. He's written two other books and is the creator of 21 bestselling business programs.

Learn More About Our Experts

Melanie Grafil