Dear Terry,
I have enough money to pay cash for a new car but I can earn 5 percent on that money and get a car loan for 4.74 percent. Should I pay cash or invest the money and get a loan for the car?
-- Tim

Dear Tim,
Pay cash for the car. You never know what will happen with the economy or your income and the quarter percent difference you would earn isn't worth it.

Here are this week's reader questions:

• 7 ways to avoid buying a used-car lemon • How can we fight the insurance company's appraisal? • Should I pay cash or finance my new car? • Can my dealer renege on a 10-year, 100,000-mile warranty?

If you have a question for Terry, e-mail him at Driving for Dollars. Save money on your car -- sign up for Bankrate's new weekend Car & Money newsletter.