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Old 12-19-2007, 10:59 AM   #1
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Red face Program Helps You Get a New Car

HOUSTON -- If you need a new car, the state of Texas may have money for you.
A couple of months ago we first told you about a new program designed to get older cars off the road and cut down on pollution.
Now the program is up and running and it will help you put up to $3,500 toward the purchase of a new or used car.
Monique Ward's 1995 Mustang has seen better days.
"I want to get this car off the road as soon as possible," said Ward.
Ward's car may be falling apart at just the right time.
The state of Texas has started a voucher program that will give up to $3,500 to people who are driving cars that are at least ten years old, but there are other requirements.
Ronnie Barnes of the Houston Galveston Area Council says, "It has to have been registered in one of the participating counties for the past 12 months and it has to have passed the safety portion of the inspection within the last 15 months or failed the emissions test within the last 30 days."
In our area, people with qualifying cars must live in Brazoria, Fort Bend, Galveston, Harris or Montgomery Counties to be eligible for the voucher.
There is also an income requirement, but it's fairly generous.
You cannot make more than 300% of the federal poverty level.
For those living alone the maximum annual income is $30,630.
For an average family of four, you can't make more than $61,950 a year to get a vehicle voucher.
If your income is in line, you can use the voucher toward the purchase of a new or even a slightly used vehicle.
"The vehicle you purchase cannot cost more than $25,0000, it has to be a current model year or no more than three years old if it is a car," says Barnes.
If you qualify you'll be instructed to go to your choice of 80 local dealerships enrolled in the program.
The vehicle you pick must meet emissions standards, there are literally hundreds of cars and trucks that qualify.
Eugene Martin of Gillman Honda says, "Honda Civics are always going to qualify, we also have pre-owned certified Accords."
After you agree to buy a car, you will hand over the voucher to the dealership and the dealership will collect the money from the state.
Your old car will be destroyed.
Click here to apply for a voucher.
(Copyright 2007 KTRK-TV/DT. All Rights Reserved.)

http://abclocal.go.com/ktrk/story?se...mer&id=5843269
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Old 12-19-2007, 11:06 AM   #2
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once my cars value goes under 3500, ill probably be using it
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Old 12-19-2007, 11:11 AM   #3
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, one year and i can do that with mine, it's only worth about $1200
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Old 12-19-2007, 11:33 AM   #4
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not trying to sound like an .


but if you are making less than 30K or 61K and can only afford a junker, then how will they be able to afford a 'current year model' or "3 year old" even with the voucher.
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Old 12-19-2007, 11:35 AM   #5
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not trying to sound like an .


but if you are making less than 30K or 61K and can only afford a junker, then how will they be able to afford a 'current year model' or "3 year old" even with the voucher.
credit

payments?
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Old 12-19-2007, 11:36 AM   #6
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not trying to sound like an .


but if you are making less than 30K or 61K and can only afford a junker, then how will they be able to afford a 'current year model' or "3 year old" even with the voucher.
true... it would need to be about 5 years old and about $4000, maybe they can finance $500 and afford it. i forgot about the less than 3 years old part... you can't get a 3 year old car for $3500... but if trade on mine would be $3500 i might get something newer. $1200 is nothing for a trade in, might as well keep it
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Old 12-19-2007, 11:37 AM   #7
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, I make too much money and I'm pretty sure my car don't pass emissions LOL!
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Old 12-19-2007, 11:41 AM   #8
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Quote:
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not trying to sound like an .


but if you are making less than 30K or 61K and can only afford a junker, then how will they be able to afford a 'current year model' or "3 year old" even with the voucher.
Part of why they did the deal that way. Prevents them from having to pay this out for too many people.
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Old 12-19-2007, 11:53 AM   #9
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Quote:
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credit

payments?
I am going to do something I should not do, and stereotype. From personaly knowing people that would qualify for this, they do not have the credit history to be able to finance at a good rate. Therefore you are finaincing a car they can't already afford, and doing so at a high APR. Insurance, full coverage, even more money they dont have.

3500 doesn't get you anything but your TTL paid and a little down.

It looks good on paper, but will it really help those that really need it, or just dig themself deeper while having a new car.
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Old 12-19-2007, 11:57 AM   #10
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Quote:
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I am going to do something I should not do, and stereotype. From personaly knowing people that would qualify for this, they do not have the credit history to be able to finance at a good rate. Therefore you are finaincing a car they can't already afford, and doing so at a high APR. Insurance, full coverage, even more money they dont have.

3500 doesn't get you anything but your TTL paid and a little down.

It looks good on paper, but will it really help those that really need it, or just dig themself deeper while having a new car.
I concur
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Old 12-19-2007, 12:40 PM   #11
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I think the intent is to get older cars off the street which are not as efficient as newer cars and causing more pollution, NOt to help people with their finances. the govt doesnt care if you go into debt because of it. and the $3500 is if you get a hybrid vehicle. $3000 for a non-hybrid.
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Old 12-19-2007, 12:50 PM   #12
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By lowering the the principle of the loan, they will be financing a lower amount and that might be enough to put these familieis in a newer vehicle.
I won't go so far as to say bad credit but maybe no credit.
Looking at the math, a four door car they are looking at could list for $16K and the the deals from the dealership can lower that to around $14K then adding in the $3,5k could lower the amount loaned to $11,5k and their monthly payment can be as low as $200/month.

This could give dependable transport to people who need it most and lower emmisions at the same time. Sounds like win/win to me.
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Old 12-19-2007, 01:00 PM   #13
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WONDER IF I CAN GET THE NEW is350 WITH THIS VOUCHER
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It makes me cry, but real tears not the ones out of my like usual.
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Old 12-19-2007, 01:17 PM   #14
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WONDER IF I CAN GET THE NEW is350 WITH THIS VOUCHER
Is it for me?
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Old 12-19-2007, 01:39 PM   #15
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Quote:
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Yep I would consider this, but the next car will be for my wife and it will be a Lexus IS350, so it is a little more than 25K LOL More like double
yea i would love to get that car but im all about no car payments
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Old 12-19-2007, 01:51 PM   #16
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I think the intent is to get older cars off the street which are not as efficient as newer cars and causing more pollution, NOt to help people with their finances. the govt doesnt care if you go into debt because of it. and the $3500 is if you get a hybrid vehicle. $3000 for a non-hybrid.
Better yet, why not put this money to use enforcing the current laws for inspections? Drive around Houston for five minutes and you'll see more rattle trap, uninspected piles of junk then you can shake a stick at.
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Old 12-19-2007, 02:08 PM   #17
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Drive around Houston for five minutes and you'll see more rattle trap, uninspected piles of junk then you can shake a stick at.
Dude, no fuc king .t How the they get by with it. I get pulled over as soon as my tag goes out. there are some real junk buckets out there that I know cant pass inspection cause you can smell them, and lights are busted out.

We dont need to ride around with cops so we know what there job is like, they need to ride with us so they can see all that .
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Old 12-19-2007, 02:21 PM   #18
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I sure like buying cars for people I don't know. Way to go again goverment!
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Old 12-19-2007, 02:43 PM   #19
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I sure like buying cars for people I don't know. Way to go again goverment!

May as well.

I currently pay school taxes (for schools no one I know uses)... for medicaid and food stamps and a long list of social programs no one I know uses, or can get since they speak English and have valid birth certificates...

I pay inflated insurance costs to cover all the uninsured drivers in those rattle trap cars I mentioned...

Got to live the USA!
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Old 12-19-2007, 05:08 PM   #20
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The borders are open and this is how your tax dollars are put to work.
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