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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 ...

5 Things to Know is CNBC's Morning Squawk newsletter, a before-the-bell briefing on the most important news, trends and analysis that investors need to start their trading day. Subscribe here to ...

You may think the hard work is done once you’ve negotiated a good price on a new car. But before you can leave, you’ll have to sign paperwork in the dealership’s finance and insurance (F&I) office.