Auto

By joining the APA ($65), not only do you get access to their vast knowledge of everything that's happening with new or old cars, you get listings of all their recommended garages and access to their expert car inspector (see below for his details).

For buying new cars, they have a list of selected dealers who follow a code of ethics and have good prices. The APA also has group auto and home insurance.

Before you buy a car, refer to their Lemon-Aid magazine, which comes free to members, and then call them to find out the true cost of any new (4 quotes per year) or used vehicle (unlimited). Their web site has warranty info - secret ones and extensions, tire recommendations and ratings of local garages.