Jacob Wade

Sep 24, 2024 | time.com | Jamie Cattanach |Sean Bryant |Rebecca Lake |Jacob Wade

Buying a car—whether it’s new or just “new to you”—can be fun and exciting. But financing a car? Not so much. Sidestep the stress by nailing down your finances before you start shopping. Here’s what you should know about car loans versus personal loans when you’re purchasing a car, so that you can make the best decision for your budget and requirements. Personal loan vs.

Sep 24, 2024 | time.com | Sean Bryant |Jacob Wade |Sarah Hostetler |Michelle Lodge

Car loans can help you fill a funding gap when you're ready to buy a new (or new-to-you) vehicle, and the process for getting a car loan is fairly simple: compare rates, choose a lender, and apply. Getting a good deal on a car loan, on the other hand, requires some research. We'll help you find a vehicle loan that fits your needs and budget. 4 steps to get the best car loanThe best car loans allow you to borrow enough to purchase the vehicle you want at monthly payments you can afford.

Aug 2, 2024 | time.com | Jacob Wade |Julia Kagan

Refinancing your student loans can help you lower your monthly payments, get a better interest rate, and combine multiple loan payments into one. You’ll need a good credit score and income to qualify for the best rates, and it’s a good idea to compare multiple lenders before signing up. Student loans can be refinanced entirely online these days, with a simple application process and fast approval for most lenders. If you’re considering a student loan refinance, here’s what you need to know.

Aug 1, 2024 | time.com | Jacob Wade |Erik Haagensen

Certificates of deposit (CDs) offer a fixed return on cash deposits, delivering some of the best available interest rates on savings. While most CD terms fall between six months and five years, some banks offer CDs as short as one month. If you’re looking for the best CDs over 30 days, here are seven national, regional, and online banks (and one credit union) offering reasonable minimum deposit requirements and no monthly fees.

Aug 1, 2024 | time.com | Jacob Wade |Wendy Connett |Julia Kagan

Money market funds are low-risk mutual funds that invest in cash, cash equivalents, and short-term debt. Their yields are currently in the 5% range, making them an excellent place to park excess cash. However, not all money market funds are created equal. We reviewed dozens of large brokerage firms and fund companies to dig up money market funds that offer high yields, reasonable expense ratios, and low investment minimums to help narrow your choices.