If you can afford it, 2009 promises to be a great year to buy a car, considering the 0 percent financing and other intriguing deals being offered by all of the automobile manufacturers. In what may be a harbinger of creative deals coming this year, Hyundai announced a new “giveback” program for its car and trucks during the first 12 months of ownership. The program allows buyers or lessees who lose their jobs or income to break contracts and give them back. Bloggers carried word of the program on Monday and the Wall Street Journal followed with a story with details (http://online.wsj.com/article/SB123120314231055825.html). To qualify, “Hyundai owners must have made two scheduled payments on their loan and lease,” according to the Journal. U.S. auto sales declined 18 percent in 2008 and sales totals–13.24 million vehicles–were the lowest since 1992, according to an Autodata report cited in the Journal.