| It doesn’t seem like Uncle Sam is
going to do much to lower the price of gas at the pump but
that crazy uncle does have quite a few programs hidden away
that the average consumer can take advantage of to pay for
gas, commute to work or even travel for free.
Matthew Lesko, New York Times Best-Selling author and
the America’s #1 Government Money Man, has identified
over 21 government programs to help with transportation
costs. Here are a few of the little-known American Gas
Saving Benefits that Lesko wants you to know about:
- Get $105/Month From Your Employer For Commuting
To Work…
Through a program called “Tax Free Qualified Transportation
Fringe Benefits.”
- Free Rides To The Doctor For Grandma…
Most every community has government subsidized programs
that provide free rides for seniors to make a doctors
appointment.
- Free Rides To Pick Up A Sick Child At School…
Communities all over the country participate in the “Guaranteed
Ride Home” program that provides free taxies or rental
cars to commuters with family emergencies.
- Get Your Car Repaired for FREE…
Before you pay for an expensive car repair bill you should
check with the U.S. Auto Safety Hotline; your car may
be subject to a recall that can get your repair done
for free.
There are also programs that will give your free legal help
to fight your auto dealer, free airfare if you volunteer
as a currier, free rides to work, and cars at government
auctions that go for 3 cents on the dollar. Get all the details
below…
21 Programs For Gas Guzzlers
Get $105/Month From Your Employer For
Commuting To Work
Your employer can give you $105 a month to help pay for bus,
train, ferry, or vanpool commuting expenses and neither you
nor the employer has to pay taxes on this money. Contact your
local transit authority for more details on the program called “Tax
Free Qualified Transportation Fringe Benefits”, or contact:
Commuter Check Services Corporation, 401 S. Van Brunt Street,
Englewood, NJ 07631; 201-833-9700; 800-727-9436; Fax: 201-833-8704; www.commutercheck.com.
Get a copy of IRS Publication 15-B, Employer’s Tax Guide
To Fringe Benefits and show your boss the section entitled “Qualified
Transportation Fringe Benefits.” The publication is available
from your local IRS office or from 800-TAX-FORM or from their
website at www.irs.ustreas.gov .
Free Rides To The Doctor For Grandma
Many seniors have to give up driving their cars, perhaps
because of the cost or illness. But then how do they get
to the doctor or the bank or the store? Many rely upon their
friends and children to solve their transportation needs,
but there are times when you need to come up with another
alternative.
The Eldercare Locator provides access to an extensive
network of organizations serving older people at state and
local community levels. This service can connect you to information
sources for a variety of services including transportation.
For more information, contact Eldercare Locator, National
Association of Area Agencies on Aging, Washington, DC 20201;
800-677-1116 between 9 a.m. and 8 p.m. EST; www.aoa.gov.
Free Rides To Pick Up A Sick Child At
School
Suppose your child is sick at school and needs you in the middle
of the day, but you don’t have a way to get there because
you go to work most days by some other way than using your car. Don’t
panic. You can probably get a free ride, taxi, or free rental
car from the local “Guaranteed Ride Home Program.”
You can also use the service for most family emergencies
if your normal ride falls through, or if you have to work
late unexpectedly. Call your local carpool or vanpool service
to see if they have a similar program. Most of these programs
require that you pre-register, but it is always best to plan
ahead for emergencies anyway.
If you do a computer search using the terms (including the
quotes) “guaranteed ride home program,” you will
find a listing of many of the programs offered.
DISCOUNTS on Buses, Trains and Subways
If you are a senior citizen, you can usually ride most forms
of transportation for about half-price. Amtrak and Greyhound
offer discounts of 5-15% for the senior set. Children even
get to take advantage of discount programs, with the youngest
group often getting a free ride.
Don’t forget to ask about a variety of reduced fare
programs, including student and military discounts. Often
job training programs will compensate you for your travel,
so before you begin training, inquire about support services
such as transportation and child care.
Cheap Air Fare To See A Sick Relative
Not free, but at least you don’t have to pay full
price. When a family member is very ill or has died, families
have to make last minute airline reservations. Obviously
you lose out on the 21-day advance purchase rates, but almost
all airlines offer bereavement or compassion fares for domestic
travel.
Generally the fares are available to close family members,
and the discount on the full-fare rate varies from airline
to airline. Many require that you provide the name of the
deceased and the name, address and phone number of the funeral
home handling arrangements. In the case of a medical emergency,
the name and address of the affected family member and the
name, address and phone number of the attending physician
or hospital are required.
Contact the airline of your choice to learn more about the “Bereavement/Compassion
Fares.” Full fare rate varies from airline to airline,
but you could save up to 50%.
Free Cars To Go On Vacation
Not quite as easy as it sounds, but there are programs out
there to help people move their cars. Most of the cars need
to be driven across the country and in exchange, many car
moving companies offer free gas and airline travel home.
This is not to say that you can take your family on a minivan
vacation across the country. Certain rules and restrictions
apply. But I have known many a college kid that has gotten
to drive across the U.S. for free.
Obviously, you do not get to pick your make and model, and
you need to be flexible as to the departure time and destination,
but this is one way to see America. Contact local moving
companies to see what they have to offer. There is even a
website for those interested in having their cars moved at www.movecars.com and
they may be able to provide you with information.
Fly Free As A Volunteer Air Courier
Air courier services operate the same way, but you are required
to have a valid passport. Most air freight services
don’t do enough business to send a plane overseas each
day. As a courier, you carry a package checked as baggage
to an overseas destination. There have been no incidences
of contraband problems, and customs is familiar with this
service.
You deliver the package to a company representative in the
customs section of the airport, then you are on your own.
In exchange, you get to fly to exotic ports for FREE or cheap.
Children are not allowed to accompany couriers. Contact companies
listed in the air courier section of your phone book, do
a web search using the terms “air courier service,” or
contact the Air Courier Association at 800-339-7556; or online
at www.aircourier.org.
Is Your Car Green?
A guide developed by the U.S. Environmental Protection Agency
provides information to consumers about the environmental
performance of vehicles. The larger the number either
in score or in fuel economy is better for our environment. You
can look up a specific vehicle, a type of vehicle, or find
a cleaner vehicle. Contact: Green Vehicle Guide, Certification
and Compliance Division, National Vehicle and Fuel Emissions
Laboratory, 2000 Traverwood Drive, Ann Arbor, MI 48105; 734-214-4200; www.epa.gov/greenvehicles/.
Free Gas Savings Tips
The government will help you become as fuel efficient as
possible. Their fuel savings website can do everything
from helping you determine which fuel efficient car to buy,
where to find the cheapest gas in your neighborhood, tips
on saving gas, and a printable fuel guide to keep track of
your car’s consumption. You can view information
on the website or order copies of the fuel guide by contacting:
Energy Efficiency and Renewable Energy Information Center,
656 Quince Orchard Road, Suite 500, Gaithersburg, MD 20878;
877-337-3463; www.fueleconomy.gov/.
Free Publications About Car Buying, Repairing
and Saving Gas
- “Gas Savings Products – Find Out Why Most Don’t
Work”
- “Good, Better, Best: How to Improve Gas Mileage”
- “The Low-Down on High Octane Gasoline”
- “Consider the Alternatives: Alternative Fueled
Vehicles and Alternative Vehicle Fuels”
- “Tips for Buying a Used Car”
These five publications are available from the Federal Trade
Commission, Consumer Response Center, 600 Pennsylvania, NW,
H-130, Washington, DC 20580;
877-FTC-HELP; www.ftc.gov/bcp/conline/edcams/automobiles/index.html.
Tax Deductions For Your Car
- 37 ½ cents per mile if you use your car for business
(IRS Publication 463, Travel, Entertainment, Gifts and Car
Expenses)
- 14 cents per mile if you use your car during charity
work (IRS Instructions for Schedule A, Itemized Deductions)
- 14 cents per mile if you use your car for medical care
(IRS Instructions for Schedule A, Itemized Deductions)
- 14 cents per mile if you use your car to move to a new
job (IRS Publication 521, Moving Expenses)
These publications are free from your local IRS office or
you can download and print them right at home. Contact:
IRS, 800-829-1040; www.irs.gov.
Improve Your Gas Mileage
With fuel prices so high do everything you can to save gas. The
Federal Trade Commission has published “How to Improve
Gas Mileage” that gives dozens of ideas to improve
fuel efficiency. Check out the article online at www.ftc.gov/bcp/conline/pubs/alerts/fuelalrt.pdf or
call 877-FTC-HELP.
Drive Wise
Transportation consumes about 25% of the total energy used
in the United States. If you think before you drive
you can help lower pollution and at the same time save yourself
in transportation costs. Read the Environmental Protection
Agency’s “Drive Wise” to learn more. Contact:
EPA, Ariel Rios Building, 1200 Pennsylvania Avenue, NW, Washington,
DC 20460; 202-272-0167; www.epa.gov/air/actions/drive_wise.html.
Improve Air Quality and Save Gasoline
The Environmental Protection Agency publishes several brochures
to improve both air quality and gas consumption when it comes
to driving your family car. Titles include:
- Your Car and Clean Air: What You Can Do to Reduce Pollution
- Tips to Save Gas and Improve Mileage
- Your Car and Clean Air: What YOU Can Do to Reduce Pollution
- Clean Cars for Clean Air: Inspection/Maintenance Programs
Contact: Transportation and Air Quality, EPA, Ariel Rios
Building, 1200 Pennsylvania Avenue, NW, Washington, DC 20460;
202-272-0167; www.epa.gov/otaq/.
Free Saving Tips
Edmunds.com has a great list of musts if you want to save
money on your gasoline consumption. They list the top
ten things that you can do right away to improve your gas
mileage. See www.edmunds.com/reviews/list/top10/103164/article.html.
More Free Articles
MotherEarth.com’s online site offers several articles
that may help you choose the right car to buy or simply help
you save some money on your gas consumption in the car already
in your driveway. The online articles include:
- Pay Less at the Pump: The Hybrid Revolution
- Fuel Economy and Ecology: Green Means Go
- Making Wiser Transportation Choices: Average Gas Mileage
You can view all of these at www.motherearthnews.com/top_articles/2005_October_
and_November/Fuel-Economy-and-Ecology-Green-Means-Go .
What is the Best Car to Buy?
Buying a new car is usually the second most expensive purchase
you make, after the purchase of your home. So getting
the most for your money is important. Knowing information
about fuel efficiency can save you even more over time. There
are several buying guides and publications available to help
you choose the car that is right for you and your wallet. The
most common resource guide is Consumer Reports. They
publish automobile review guides that are available at your
local library. Consumer Reports Online allows you to
search through a variety of reports. They do charge
a fee for some of their services. Contact: Consumers
Union, 101 Truman Avenue, Yonkers, NY 10703-1057; www.consumerreports.com
- “Buying a New Care and Buying a Used Car” are
available for free from the Federal Trade Commission, 600 Pennsylvania
Avenue, NW, Washington, DC 20580; 877-FTC-HELP; www.ftc.gov .
- NADA Guides provide information on a variety of car buying
subjects. Browse their web site to learn all
you can about the best car for you to purchase. National
Automotive Dealers Association, www.nadaguides.com/autohome2.aspx?Lnk=1&wSec=10&wPr=0&wPg=2111
Take the Bus
If gas prices are getting too high for your budget, take
the bus or train. Senior citizens can usually ride
most forms of public transportation for about half-price. Check
your local transportation company online, as many have a
trip planner to help you get to where you want to go.
To Hybrid or Not to Hybrid?
That is the question. If you are wondering if hybrids
are here to stay or just a fluke, the U.S. Department of
Energy’s Office of Freedom Car and Vehicle Technologies
can help you decide. They develop more energy efficient
and environmentally friendly highway transportation. Contact:
Office of Freedom Car and Vehicle Technologies, EE-2G, Room
5-G-030, 1000 Independence Avenue, SW, Washington, DC 20585;
202-586-8055, Fax: 202-586-7409; http://www1.eere.energy.gov/vehiclesandfuels/index.html
FREE or Low-Cost Rides To Work, School,
or Day Care
North Carolina has programs where counties are given vans
to transport people back and forth to work, with lower costs
than driving your own vehicle.
York County, Maine will let you ride the WAVE, a job access
and education transportation service. Transportation
provides: home pick-ups, day care drops-offs, major employee
and education drop-offs in the Sanford area. Costs
are low and discounted for children and seniors 62 years
and older.
Dial-A-Ride in the City of Modesto provides specialized
transportation seven days a week for persons 65 years old
and those with disabilities. Although this is primarily
for the disabled and seniors, the general public may also
ride during specific times.
To start looking for programs like this in your area, contact
your local congressman’s office or your local social
service agency. You should also find out about local vanpool
and rideshare programs. Your local chamber of commerce or
library may have this kind of information for you.
Get One Month of Free Bus Passes
Detroit’s Suburban Mobility Authority for Regional
Transportation (SMART) has a program called “Get a
Job/Get a Ride” that gives a month’s worth of
free rides to anyone in the Detroit area who gets a job.
The only requirement is that you have started a new job
within the last 30 days, work at least 32 hours a week and
never have received the pass in the past. New Jersey
will give a free one-month pass to those on low income that
get a job or are going to training. Check with your local
Chamber of Commerce or Transit Authority.
Buy A Car at 3 Pennies on $100
The government estimates that their auctions give them 3
cents for every $100 they spent on the original item. I’ve
never seen those Jeeps for $1 advertised in the back of magazines,
but one official said that he has seen vehicles with less
than 3,000 miles being sold for well under $1,000. Cars and
trucks can go for as little as $100. The price of cars varies
depending upon who attends the auctions.
The two major agencies that sell vehicles at auctions are
the General Services Administration and the Department of
Defense. To find the auctions nearest to you contact:
U.S. General Services Administration
Personal Property Disposal Solutions
1800 F Street, NW
Washington, DC 20405
703-605-5610
www.gsa.gov/Portal/gsa/ep/home.do?tabId=3
Defense Reutilization and Marketing Service
74 N. Washington Avenue
Battle Creek, MI 49017
1-888-352-2255
www.drms.dla.mil
Free Legal Help to Fight A Car Dealer or
Repair Shop
When you can’t get satisfaction from the manager or
owner, then it is time to bring in the big guns:
- Your state attorney general’s office is set up to handle
automobile complaints. Sometimes all you have to do is send
a letter to the attorney general with a copy to the business
owner. The office is in your state capitol which you
can find by calling the state capitol operator or going to
www.govengine.com and clicking on your state.
- Automotive Consumer Action Program (AUTOCAP) is a complaint
handling system sponsored by the automobile industry for new
or used car purchases from NEW car dealers only. AUTOCAP is
conducted by many State Automobile Dealers Associations.
- Better Business Bureau (BBB) Auto Line is a FREE, out-of-court arbitration
program, paid for by the business community to handle automobile
complaints between consumers and most auto manufacturers. Contact
your local Better Business Bureau or BBB Auto Line, Dispute
Resolution Division, Council of Better Business Bureaus, Inc.,
4200 Wilson Blvd, Suite 800, Arlington, VA 22202; 703-276-0100; www.dr.bbb.org/autoline/index.asp/.
Free and Low Cost Seminars On How to Buy
A Car
You can’t just go on color alone! You need to become
savvy as to what options to look for and how to negotiate
with the dealer. Do you really need rust proofing? What is
the difference between the invoice and the sticker price?
How can I find out what the dealer paid for the car?
Don’t be intimidated by salesmanship. The dealer wants
your money, so they don’t want you to leave without
signing on the bottom line. Many different organizations
and groups offer classes on how to buy a car. Contact your
county cooperative extension service, your local adult education
department, or women’s organizations in your area to
see what they may have to offer.
Get Your Car Repaired for FREE
June Rapp of Massachusetts took her family van into a dealer
to have it fixed and they wanted to charge her over $1000
to make the repairs. She called the U.S. Department of Transportation
and found out that her problem was part of a manufacturer
recall. Recalls have to be fixed for free and the repair
shop didn’t know that. To find out about recalls for
any car, contact:
- Auto Safety Hotline, National Highway Traffic Safety Administration,
400 Seventh St., SW, Washington, DC 20590; 888-327-4236; www.odi.nhtsa.dot.gov/ivoq/
- The Consumer Reports people have a searchable database for
car recall information. Contact Consumers Union, 101 Truman
Ave., Yonkers, NY 10703; www.consumerreports.com.
What’s The Safest Car To Drive?
Let the crash test dummies help you learn the safest car
to drive. The U.S. Department of Transportation (DOT) has
been using these guys for years to analyze the crash protection
of various automobiles.
The DOT operates the Auto Safety Hotline that dis—tributes
the Vehicle Crash Test report showing the crash protection
provided to front-seat occupants in accidents for all new
cars each year. It also lists types of protection available
in the cars, such as air bags or anti-lock brakes.
An interesting feature of the Hotline is that you can search
the Technical Service Bulletins by make and model to see
what kinds of problems or issues have come up for the car
you are considering. You can also search the consumer complaint
listings and recall information as well.
If you are having a problem with your car, register your
complaint with the hotline. Yours may be just the call they
need to start a recall!
For your free copy and more information, contact National
Highway Traffic Safety Administration, U.S. Department of
Transportation, Auto Safety Hotline, 400 Seventh St., SW,
Washington, DC 20590; 888-327-4236; www.nhtsa.dot.gov/.
Should You Buy or Lease A Car?
“A New Car with No Money Down” may sound enticing
but beware of the fine print when you are considering leasing
your next car.
The Attorney General in the state of Maryland warns that
a couple returned their Chevrolet at the end of a 5-year
lease in good condition but received a bill for $3,251 for
reconditioning. An Annapolis consumer was surprised to learn
that every time she took her car in for repair she was charged
a $50 deductible.
Leasing may be an interesting option if you like changing
cars often and making car payments forever. But be sure you
get all the facts before you decide.
- “Keys to Vehicle Leasing: A Consumer Guide” and “Look
Before You Lease” are available free from Federal Trade
Commission, Public Reference Room 130, Washington, DC 20580;
202-326-2222, 877-FTC-HELP; www.ftc.gov.
Free and Low Cost Seminars On How To Fix
Your Car
What do you do if you are driving on a freeway and you get
a flat tire? How often should you change the oil and can
you do it yourself? How do you jump start a car? It is better
to plan ahead for emergencies, but where do you go for help?
Many different organizations and groups offer classes on
how to fix a car. Begin by contacting your local car insurance
company, automobile road service company, or department of
motor vehicles. I have even seen classes being offered by
automobile dealerships. Once you are there, maybe they can
sell you a new car as well.
Other places to check include your county Cooperative Extension
Service, your local adult education department, or women’s
organizations in your area. You can save yourself worry,
stress, and money if you are prepared and knowledgeable regarding
your car.
The Bank Messed Up Your Car Loan
If you can’t get satisfaction from the bank, then
go to those who can put the bank out of business. Your state
Banking Commissioner handles complaints dealing with state
chartered banks. For banks with the word “national” or “N.A.” in
its name, contact Comptroller of the Currency, Compliance
Management, U.S. Department of the Treasury, 250 E St., SW,
Washington, DC 20219; 202-874-4900; 800-613-6743; www.occ.treas.gov.
For Savings and Loans, contact Office of Thrift Supervision,
U.S. Department of the Treasury, 1700 G St., NW, Washington,
DC 20552; 202-906-6000; 800-842-6929; www.ots.treas.gov.
For FDIC Insured, contact Federal Deposit Insurance Corporation,
Office of Consumer Affairs, 550 17th St., NW, Room F-130,
Washington, DC 20429; 877-ASK-FDIC; www.fdic.gov.
Your Child Has A Doctor’s Appointment
And Your Car Won’t Work
The Federal Transit Administration provides over $50
million a year to over 1,000 local organizations to provide
free non-emergency transportation for people who are old
or have a disability. But the groups who get this federal
money can also provide free transportation services to Moms
who are in a jam.
The regulations state that the vehicles can also be used
to “…serve the transportation needs of the general
public on an incidental basis.”
You may have to do some educating to get a local group to
give you a ride.
Tell them to view the information on the web site or contact
the FTA. It’s available from the U.S. Federal Transit
Administration, 400 7th Street SW, Washington, DC 20590 or
on the web at www.fta.dot.gov/legal/federal_register/2004/16290_17856_ENG_HTML.htm
To find groups in your area who receive these FTA Section
5310 grants for Elderly and Persons With Disabilities, contact
your state department of transportation or the U.S. Federal
Transit Administration, Office of Program Management, Office
of Resource Management and State Programs, 400 7th St., SW,
Washington, DC 20590; 202-366-4020; www.fta.dot.gov.
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