Erik Martin

Hello. I’m a freelance writer with Rocket Mortgage (https://www.rocketmortgage.com/learn). I’m seeking to interview real estate experts, business/finance faculty, personal finance experts, real estate attorneys, and other professionals for the following story (no lending professionals please): Understanding fixed-rate mortgages. I can only accept full-sentence written responses (which I can use as quotes) for this article. My deadline for written answers to these questions is 1 PM Central, Thursday, April 30, 2026. IMPORTANT NOTE: If you want to be included in my article, you must agree to give Rocket Mortgage permission for you to appear in this article by filling in your name in the blank below. If you don’t grant this permission now, ahead of time, I cannot use you in my story. QUESTIONS: 1. Please fill your name in this blank and email me back this entire paragraph along with your written responses to the rest of the questions below: I, _______________(INSERT YOUR NAME) hereby give my permission to Rocket, LLC and its affiliates, agents, and partners (“Authorized Persons”) to use my name, likeness, and any quotes, statements, or media I provide (collectively, “Materials”) for marketing, advertising, or promotional purposes. This includes use on websites, social media, digital or print ads, and other marketing platforms. I understand that my quote(s) may be edited for clarity or length but will not be misrepresented. I confirm that my statements reflect my honest opinions and experiences. By sending this electronic email, I grant Rocket, LLC the right to use these Materials and my Likeness without further approval or compensation. I also release Rocket, LLC from any liability related to the use of this content as outlined above. 2. How does a fixed-rate mortgage work? 3. What’s included in your monthly payment? 4. Explain how your loan’s balance changes your monthly payment (amortization) 5. How are fixed-rate mortgages different from adjustable-rate mortgages? Please provide a table that compares and contrasts the two, if possible. 6. How do you qualify for a fixed-rate mortgage? Please address each of the following qualification steps: a. Determine how much you can afford b. Review your credit history c. Find a lender d. Get preapproved e. Choose your loan terms f. Lock your interest rate g. Close on your loan 7. What is your full name, title, company, city/state?  

I am seeking to interview insurance industry experts, insurance agents (especially those who deal with military families), personal-finance experts, and other professionals for the following : What active duty military members need to know about side hustles and insurance coverage. This article will focus on insurance gaps that can exist when it comes to side hustles by military members and how base rules and military policies can affect business activities. My deadline to receive written answers to the questions found below is no later than 1 PM Central, Thursday, April 30, 2026. Please contact me if you would like to participate. Thanks! QUESTIONS: 1. Are active duty military members allowed to have side hustles? What are the rules and restrictions here when it comes to: a. Department of Defense rules that govern off-duty employment for service members? b. Base housing and business operation restrictions? c. APO/FPO mail use for commercial activities? d. OCONUS assignments and introducing host hyphenation legal issues? e. Frequent PCS moves that can disrupt business continuity? 2. In general, explain why side hustles can create insurance risks for military members. 3. What kind of insurance coverage do military members and their spouses need for each of the following, what are the risks of not having that insurance, and what tips/precautions do you suggest for each: a. Rideshare and delivery jobs b. Freelancing/consulting gigs c. Selling products (Etsy, resale, crafts) 4. Explain what existing coverage likely doesn’t cover related to side hustles when it comes to (a) car insurance policies and (b) renters/homeowners insurance policies 5. What are some things you should consider carefully before starting a side hustle (explain each): a. on-base housing restrictions b. common limitations (e.g., customer traffic restrictions, signage restrictions, safety and zoning concerns ) c. using an APO/FPO address for a business d. OCONUS considerations e. When should you notify your car insurance company before a PCS move, and why? What should you update? 6. Explain each of the following risks and how to prevent them: a. Deployments that interrupt operations b. PCS moves that disrupt licensing and clients c. Income instability d. Shipping delays e. Compliance issues f. Potential service disruptions g. Limited ability to manage claims 7. What are some common insurance mistakes to avoid when you are considering a side hustle as a military member?  

Hello. I’m a freelance writer with The Zebra (www.thezebra.com/resources). I’m seeking to interview insurance industry experts, personal finance professionals, business/economics professors, and other experts for the following story: Common renter mistakes that can cost you. This article will focus on the most common mistakes renters make when it comes to insurance. I can only accept full-sentence written responses (which I can use as quotes) for this article. My deadline for written answers to these questions is 1 p.m. Central, Thursday, April 30, 2026. Please contact me if you would like to participate. Thanks! QUESTIONS: 1. Explain each of the following comment renter mistakes: why these are common, how, when, and why each mistake will cost you, and how to avoid that mistake: a. Assuming your landlord’s insurance covers your belongings. b. Not understanding what renters insurance actually covers c. Skipping a home inventory (providing evidence in case of a claim) d. Choosing actual cash value instead of replacement cost (without realizing it) e. Not factoring in the deductible f. Overlooking coverage limits on high-value items g. Waiting too long to document or report a claim 2. What are the steps you should follow and expect after you file a claim for theft? 3. Do you have any statistics related to this topic, especially concerning the percentage of renters without renters insurance, average number of claims filed by renters, etc., that you can share, with source links? 4. Your full name, title, company, and location?  

Hello. I’m a freelance writer with The Zebra (www.thezebra.com/resources). I’m seeking to interview insurance industry experts, personal finance professionals, business/economics professors, and other experts for the following story: The value of travel insurance. This article will focus on when and why you should get travel insurance and important travel insurance coverages to have. I can only accept full-sentence written responses (which I can use as quotes) for this article. My deadline for written answers to these questions is 1 p.m. Central, Thursday, April 30, 2026. Please contact me if you would like to participate. Thanks! QUESTIONS: 1. Overall, is travel insurance worth it? Why and when, and who are good candidates for kissing travel insurance? 2. Explain why having travel insurance can be especially smart if you are planning an adventure trip (e.g., skiing, scuba diving, climbing, biking, remote destinations, etc.). Also, explain how some travel insurance policies may not cover higher-risk activities by default. 3. Explain what evacuation coverage is, and why and when you need it. Is evacuation coverage typically included with travel insurance, or is this a separate policy/rider? What are your recommendations when it comes to evacuation coverage? 4. What does travel insurance typically NOT cover? And what are some travel insurance coverage limitations that many policyholders may not be aware of? Please provide examples. 5. What are some tips you can give readers when it comes to personal belongings while traveling, and to what extent does travel insurance cover personal belongings? 6. What are some tips you can give readers when it comes to rental car coverage while traveling? Does travel insurance cover car rentals in any way? 7. Your full name, title, company, and location?