One of the reasons that many like the Roth IRA is due to the fact that there is a good chance that you can pay lower taxes now, and avoid higher taxes later. Since the money in the Roth IRA grows tax free, you pay taxes at your current tax rate.
When the seal on the wheel bearing is broken or damaged, the noise starts out very faint and becomes louder over time. It sounds like the noise that your tires make when hitting a rumble strip on the highway, just not quite as loud, something like the sound of playing cards flapping against bicycle spokes.
If a timing belt breaks, the engine will no longer work. If a timing belt breaks while driving in an interference engine, the camshaft stops turning leaving some of the engine valves in the open position. The heavier crankshaft will continue to rotate by inertia moving pistons up and down. This will cause the pistons to strike the valves that left open.