Steven Nickolas is a writer and has 10+ years of experience working as a consultant to retail and institutional investors. Getty Images / NurPhoto / Contributor FOB terms determine who is liable for ...

John Paul, AAA Northeast's Car Doctor, hears from a reader buying a used car that only comes with one key fob. The Car Doctor hears from a reader buying a used car that only comes with one key fob.

J. William Carpenter is an economist who writes financial topics. He is an author of published works for higher education and business clients. Katie Miller is a consumer financial services expert.