Answers from James M. Steckelberg, M.D. The shingles vaccine (Zostavax) is recommended for adults age 60 and older, whether they've already had shingles or not. Although the vaccine is approved for people age 50 and older, the Centers for Disease Control and Prevention isn't recommending it until you reach age 60. The shingles vaccine is a live vaccine given as a single injection, usually in the upper arm. The most common side effects of the shingles vaccine are redness, pain, tenderness, swelling and itching at the injection site, and headaches. Some people report a chickenpox-like rash after getting the shingles vaccine.
Americans' average new-car loan payment hit a record $482 the fourth quarter, and car buyers were paying an average 4.56% for loans, according to researcher Experian Automotive.
Many people do buy a car with less. The average new-car buyer put down just $3,502 in 2014, about 11% of the average new car price of $33,000. Used-car buyers put down even less. Six grand for a down payment may feel like a hefty chunk of change, so why shell out?