“Certainty? In this world nothing is certain but death and taxes.” ~ Benjamin Franklin (Photo by Kent Faddis)

Many people, when they get their annual tax refund, think that money is perfect for a down payment on a car or truck. But, there’s homework to be done, numbers to crunch and options to consider before you drive that vehicle off the lot.

Today’s guest is Andrew Zumwalt, associate state specialist for financial planning for University of Missouri Extension. He has some tips for smart price negotiating and advice for shopping for the best loans.

Missouri Taxpayer Education