Tag: interest-rates

I'm parking an emergency fund for 6–12 months and want to maximize safety and interest. What factors should I compare besides APY and early withdrawal penalties? (If it matters, this is for a normal household setup, nothing fancy.)

My current car loan is 7.2% with 36 months left, and a lender offered 6.5% to refinance. There are some fees and I'm not sure about the break-even point. How do I run the numbers and what gotchas should I watch for?

I'm new to credit, have a part-time income, and plan to pay in full each month. For a first card, what matters most—no annual fee, straightforward cashback, a reasonable APR, or starting with a secured or student card? Any common gotchas in terms, minimum redemption amounts, or hidden fees I should watch for?