Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...

Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over 35 years of diverse financial management experience. He is an expert on personal finance, corporate finance ...

We are actively working to enhance your experience by translating more content. However, please be aware that the page you are about to visit has not yet been translated. We appreciate your ...

Jae Bratton has been writing about credit cards for NerdWallet since 2022. Her work has been published in The Washington Post, the Los Angeles Times, The Associated Press and the journal Studies in ...