so for example, ,if no earned. so for example, ,if no earned income on the indiv over age 70 1/2 and some earned income for spouse, then the over 70 1/2 can make a ROTH contrib, if I understand you correctly..o for example, ,if no earned. so for example, ,if no earned income on the indiv over age 70 1/2 and some earned income for spouse, then the over 70 1/2 can make a ROTH contrib, if I understand you correctly..
You don t want to lose the benefit of a good price on a new car by paying too much for financing, for an extended service contract, and for rustproofing, paint sealant, and other add-ons. You also don t want to get too little for your used car trade-in, if you have one.ut the best way to get a solid estimate of your used car s value is to take it to several new car or used car dealers to see what they will pay you for it. Simply tell each dealer that you plan to sell your car and that you are getting offers from at least 5 dealers.
Thatâs just math. The other reason not to pay for a car in cash is because you might total the car and the insurance company may not pay as much as you paid for it. You can get GAP insurance on a loan to cover that spread, but thereâs no insurance when you pay cash.o the extra 3% returns youâd get is really not worth losing sleep over. The other thing to consider, is you have much more negotiating power with cash. I bought my last car in cash, and saved about $3500 on a $15000 purchase, because I was able to pay the dealer upfront. And thatâs a lot better than the 3% return.