Deal Talk
302 episodes - English - Latest episode: 4 months ago - ★★★★★ - 41 ratingsAdvice on buying a car, truck or motorcycle. How to save money and avoid the hassles when purchasing or leasing a vehicle. Information about every aspect of an automotive purchase. Financing, trade-in value, advertising and many other topics.
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Episodes
Tips for buying or leasing a luxury vehicle
January 07, 2024 21:40 - 47 minutes - 38.2 MBLuxury vehicle buying facts So many Electric-Vehicle issues EV price range does not change the risk 80% mote problems Blood batteries Grid-Serve Charging network raises the cost to charge a vehicle What qualifies a vehicle as luxury Safety is the best The latest High tech Resale is still #1 Power and quality More affordable then you think Leases are best by far Due diligence requires same techniques Each issue is thousands Trade shopping is even ...
The dealership F&I hurdle
December 19, 2023 01:32 - 51 minutes - 41.3 MBThe dealership F&I hurdle F&I to finish the deal Tesla 2 million recall Electric vehicles fires galore Consumer report confirms electric vehicle issues Price savings for 1 years of fuel Current charging station additions be the fed….0 F&I profits are way up, what should you do? When things are this crazy, if you can, wait How to process F&I aka business office Forced pitch from F&I, get up and leave Business office and sales are separate CPI to stop payment packing ...
Electric Vehicle Purchase , Yes or No?
December 03, 2023 14:00 - 59 minutes - 48.1 MBDon’t be conned by the Electric Vehicle story Hybrid or full, they have a battery What are the limits? What about trade values? Charging takes time, lots of time No charge? What to do Fossil fuel taxes pay for roads, how will EV’s be taxed? Crash safety is important? Fire safety is paramount We need the minerals that are not here Find a power source Electric fuel can cost as much as gas Will the monopoly of electric sources raise the rates? The cost d...
How to buy if you must hurry
November 19, 2023 00:44 - 42 minutes - 33.9 MBWhat if you have limited time to make the purchase? Distance on EV is still an issue if you use accessories Most common models are $2000 more for Electric Fire departments train for EV battery fires Rush Rush Rush to buy Consistency means resale What was missed Time well spent Due diligence rush Phone and Internet Is one-price a choice? One day, the whole day Be assertive, not aggressive Aftermarket exceptions What slows you down? Something is ...
Maximizing your trade or outright sale value
November 19, 2023 00:37 - 34 minutes - 27.5 MBWhat you should do to get the most out of your vehicle 1. Various medias say EV‘s are tanking 2. More and more EV fires 3. Price difference and depreciation could be $40,000 or more 4. Rates are up so credit comparison shopping is a key 5. Both rate and terms 6. Which method, trade in, sell to a dealer or sell outright 7. No matter what you trade in or sell, Recondition as much as you can 8. Know why you are selling, they will ask ...
Due diligence research completed? Now what?
October 23, 2023 21:52 - 33 minutes - 27.4 MBDue Diligence research completed? Now what? EV sales are not up The public is aware of Electric vehicle Fires and deaths Manufacturers are hurting from EV failure Great negotiating requires great due diligence. Avoid cash or shopping talk. No matter what you offer, the dealer will try to bump you. Don't acknowledge the asking price Always ask for a better price at least twice before making an offer Talk what you know after they make 2 offers Assertive, not aggressive ...
How to overcome automotive credit issue
October 09, 2023 00:24 - 36 minutes - 29.6 MBHow to overcome automotive credit issues Solar is better than electric but it also has issues Trucks are not feasible as electric Safety has become a key issue Battery fire death numbers are high Inflation oozes into vehicle interest rates The banks, more risk, more rate Know your budget and stick to it Down payment isn’t a lock Employment offers and testimonials help FTB, finance first, buy and negotiate second Don’t give up Shop every bank Financing has many ...
Dealers and the news, now it's all fake
September 21, 2023 18:47 - 47 minutes - 38 MBDealers and the news, now it’s all fake Colorado crazy trade doesn’t help 65% won’t even look at EV’s Battery prices have dropped to ridiculous Ev ads and the news are fake Bait and switch Switching stories Ridiculous trade values Guaranteed payoff is a hoax Rebate tricks Employee pricing, means what? Disclosures Plus everything Radio, newspaper, magazines, TV, social media, Government ads for Green new deal support FTC will help eventually No...
What is Due diligence?
September 10, 2023 20:51 - 41 minutes - 33.8 MBDue Diligence means what? Hybrid low down Electric Bus goes belly up Due diligence is omnipotent 2022 Consumer Report has a great ratings section Brand tells the story best Great deals have no short cuts Knowing what comes first Use all the price calculation methods for used Use the Monroney label for online comparison of new The internet's only value is information but it must be real Get the facts and leave the rest. Beacon scores Bank rates and terms at least 4 ...
One price, fixed price, haggle free, only benefit the dealer
August 27, 2023 23:32 - 32 minutes - 26.2 MBOne price, fixed price, haggle free, only benefit the dealer Part 1 and part 2 used review Make a quality segment chart The one price stories There are no special deals just special methods Why are one price techniques uesd Cut the dealer ‘s expenses Enhance the profits It’s not about customer satisfaction 2+2 is not 5 No haggling does not mean a good price Ho Hum prices at best Shorter sales process, longer F&I time Don’t let your guard down for a second Negotia...
Buying used part two
August 15, 2023 01:21 - 41 minutes - 33.7 MBBuying used part two Dealing on medium and low priced used EV market is dropping around the world Used vehicle Monroney style labels are worthless Get the original Monroney copy So many new vehicle tricks and gimmicks, go used Inexpensive is many things Used vehicle categories are different Priorities have a number Like everything, pay more, get more Many ways to save Clear title is always number one A check list to follow Low dollars are low value ...
Todo's for buying used
August 05, 2023 21:58 - 58 minutes - 46.9 MBTo do's for buying lower Priced used vehicles Top scientists down play the CO2 story Climate crazies want to cancel stoves, light bulbs, large houses, cows, Due diligence on a used is different No Monroney for equal comparison Resale is just as important You need wholesale and retail prices Use all the pricing guides Call for quotes For exact options you may need to buy more Special reports will help, like CR What are the keys What difference does the d...
The most important dealing do's and don'ts
July 21, 2023 01:07 - 34 minutes - 28.1 MBThings that always apply Skip the fake EV maintenance story 35 % more fatalities Crash tests are required reading Short cuts to dealing The major points list Some do’s and some don’t’s Always test drive Test driving? No pricing Out of time Three choices as I see it Sometimes what not to do is just as big Take time for Due diligence Avoiding mistakes From basic to not so basic Leasing adds to the list
Why you should not buy an electric vehicle.
July 10, 2023 21:42 - 48 minutes - 39.2 MBThe electric story Dangerous Ship fire at sea can’t be extinguished Green new deal is a trap Mother nature has a plan Reviews and reports on electric So Many reasons to say NO The resale facts are huge Demand is down Deceptive charge station numbers CO2 isn’t a story Battery warranties at 70% They cost more, a lot more The cost of ownership is more Convenience has value Price, distance, time, safety Save enough to drive 80,000 miles Government pressure is alwa...
Protect your vehicle credit in advance
June 29, 2023 20:28 - 33 minutes - 27.2 MBProtect your credit before there is an issue EV issues are many Battery warranties for 70% or lower Battery average 5-15 thousand 68% fear autonomous Protecting credit score Score factors Reset the budget What are the questions you need to research? What hurts credit Too much buying power End the extra credit Communication is king Ask all sources Peter to Paul
Puchase timing can make a difference
June 21, 2023 19:49 - 33 minutes - 27 MBTiming is huge when buying a vehicle Electric distance is wrong for so many reasons Electric vehicles throw off the average, way off My trip proved a lot Traveling with an EV, you are totally on your own When can make you a winner Day, week, month, time of day, all matter The Weather can change timing Holidays can help Last day or the 32nd Afternoon calm Hot just like cold Current, left over, late model used When not to buy, like right now Leasing...
Extended service plan, yes or no, plus after you buy do's
June 16, 2023 02:48 - 37 minutes - 30.5 MBExtended service plan, yes or no? What else after the sale? Assuming good condition Extended service plans are not warranties actually Condition and care tell the story Warranty price plus the deductible are the first repair Extended warranties are a question Extended warranty does not add in the trade in value Keeping it? Yes If buying a extended service plan, always from the Brand With a warranty fix or trade is never a question Low repair record equals high ...
Resale value can save you thousands
May 19, 2023 21:32 - 47 minutes - 38.6 MBResale is the key factor Batteries require special metals Batteries store coal power 500,000 pounds to move CO2 is NOT the answer Tax credits mostly for the rich Resale value is always part of your cost A seemingly good deal might be the opposite Considered the least Around the clock Can you predict it? What determines the value? How to protect it There are many factors Brand can be big Think it through first
Negotiating that works
May 12, 2023 01:46 - 28 minutes - 22.7 MBNegotiating your deal When is it time to say yes? Negotiating is part of every episode Many methods, varied results Knowledge is key Due diligence support Waiting for results Can you do better? Persistence Deal and trade separate if possible Talk when there is a need Offer and facts together You may need to walk No substitute for due diligence
How to deal with the F&I experience
May 07, 2023 01:39 - 38 minutes - 31.1 MBPrepare yourself for the Business office experience Electric vehicles CO2 is NOT the problem Congress is buying EV stocks and then pushing them 3 trillion trees 37 billion vs 74 billion capacity F&I as a conversation Business office money Reserve commissions can be huge Be prepared, due diligence Myriad of products Every product can appeal to someone Payment packing is real How to guard F&I Menu approach Review you payment in the business office first 90 day bum...
Insurance is basic but you need to check it
April 30, 2023 02:15 - 34 minutes - 27.6 MB· Residual is important · They are burning · EV sales are not up · Diminution payments are real · Insurance pays resale loss? · EV insurance is not good news · Car, truck, motorcycle, motorhome or boat, Insurance is part of the process · Auto collision insurance is just another add on · Just because they sound cheap · Hundreds of companies, millions of quotes · Credit is the key ...
Piloting the crazy ads, in a crazy market.
April 19, 2023 01:48 - 51 minutes - 41.5 MBPiloting crazy ads, in a crazy market 67% is a 1000% increase A tyrannical demand Toyota has made a good choice 190 years and it is still not right A super car seat deal Automotive ads explained Crazy ads are even crazier Disclosures that don’t help Vague is the norm Radio, TV, newspaper, socials Bait and switch Employee pricing Crazy trade values Surprises can be thousands Ads only indicate dealer character It doesn’t get better, it’s a cultu...
Deal problems need to have a plan
April 10, 2023 01:43 - 42 minutes - 34.3 MBDeal problems have a plan Electrics have serious cold weather battery issues No jump starting with EVs Not a family vehicle Jump start tip If your deal has a problem Factory problems follow a plan Due diligence, due process Follow the Chain of command Salesperson, Manager, Dealer principal or GM Manufacturer (Company.com) and the bank Better business (BBB.org) Attorney general (your state.gov/attorney general) FTC (federal) UDAP statutes will help...
What is a factory certified pre-owned vehicle?
March 29, 2023 02:08 - 35 minutes - 28.4 MBWhat is a factory certified pre-owned vehicle Electric used is worse Brand is the key factor in choice CPO vehicles and value Read all the material for a specific certified unit Check points sound huge but Just marketing another way Bank rates with CPO vehicles are the same Factory certified can cost several thousand more Why pay in advance for what might happen Low mileage and a clean car fax Only the brand can certify the brand The retail book value doe...
Should you buy an electric vehicle?
March 23, 2023 01:43 - 48 minutes - 39.1 MBElectric versus gas facts, you decide Pro is a short list EV’s cost many thousands more Resale will be less making the effective cost of ownership even more Green new deal crazy Reviews and reports on electric Hybrid Plug in hybrid Total electric The resale facts Cost benefit ratio is High cost low benefit 1 Kw = 4 miles average Weight vs distance 32 Kw for 100 miles Kw’s cost between 25 and 50 cents Gas isn’t that much different Convenience ha...
The story on upside down, aka under water, aka minus equity
March 10, 2023 18:28 - 40 minutes - 33 MBThe story on Upside down, aka under water, aka minus equity Any list of quality brands, just use the top half Rate price, resale and repair record first Large wheel size usually doesn’t help you Under water, minus equity, upside down What can you do? Why does it happen? This market may have an opportunity Type 1 and type 2 upside down Due diligence To minimize minus equity Start with the right vehicle Eight tips for the future
Fix the old or get a new one
March 07, 2023 17:00 - 25 minutes - 20.8 MBShould you keep and fix your current vehicle or trade it Leasing and buying have different priorities What are CAPA stickers The crazy market can change plans How old is yours How does you vehicles future look You need about 2 more years If you must buy search outside of your market as well Forced savings for a new project Limit resale loss Short term lease, maybe Ask yourself the right questions Keep your old one could lower insurance cost as well
Reviewing the key dealing tips
March 02, 2023 03:05 - 32 minutes - 26.6 MBReviewing the dealing tips Electric shoe box with wheels $30,000 A fancy Corolla size $150,000 Problems are definitely an EV subject Processes vary but the basics are the same Having the info is key Getting the payment where you want can be a mirage Trust but verify The work sheet is your friend Used vehicle checks must be thorough Leasing has rule changes, ask questions Read what you sign Bike buyers don’t be an impulse buyer Finance in the extras if you can
Motorcycle buying tips and a gas saving list
February 15, 2023 00:46 - 50 minutes - 40.8 MBMotorcycle buying tips and a gas saving list Who knows where gas prices will go? There are many ways to save on fuel Do as many on the savings list as possible A little, plus a little, plus a little, equals a lot Motorcycle buying is not as crazy as many markets right now Ask yourself the right questions Touring, sport, long, short? What culture? Insurance can be a huge factor Due diligence could be a bigger savings than a standard car Due diligence is the sa...
The current story on leasing
February 03, 2023 02:01 - 50 minutes - 40.6 MBThe current story on leasing Where will we get the materials for batteries? Many industries will be competing for those materials EV sales are on a downhill slide Leasing advantages list Different terminology To shop lease you must know the terminology Research is still key Closed end Open end No maintenance Divide or multiply by 2400 for the interest rate or the lease factor Acquisition, inception, termination Guaranteed resale value is wonderful residual sign a...
Shop before negotiating and used vehicle buyer tips
January 28, 2023 19:21 - 28 minutes - 23.3 MBA Quick list for used vehicle buying Hold off a bit longer if you can A dozen ideas out of 100 Shopping before any price talk America is angry Pricing is still crazy , thanks Joe Get your sea legs before you talk price Complete bank info Trade in info Get your price range Just worry about product comparison Negotiation is always after due diligence and that’s after product
Important considerations when buying a truck
January 18, 2023 01:05 - 30 minutes - 24.3 MBWhat to consider when buying a truck EV Tesla loses 182 billion EV sales are off and Companies are teetering on losses Like I said resale issues, another 15% Now trucks are more than trucks Resale and discounts don’t mix High current market will cause huge resale losses The market remembers Pickup box size matters Transmission and resale Engine, bigger is usually better, even now 4x4 = $x$ Keeps on giving Know exactly what you need Factor needs vs resale Finance...
EV History and After the purchase of any vehicle
January 09, 2023 02:12 - 42 minutes - 34.3 MBElectric vehicles have a long history of trying Before fossil fuel When is enough, enough? First hybrid a long time ago by who? Number 6 Manufacturer There are things to do preparing for the long hall Make sure you got what you paid for Check everything after the delivery as well Check all paperwork numbers Read he manual or if needed, get one, even the keeper Used, change fluids Is Vehicle climate change the chicken or the egg? Clean it Get all the carry on extras ...
Understanding the sales labels
December 29, 2022 01:16 - 41 minutes - 33.2 MBUnderstanding the sales labels The carry long list could save you Ev ‘s don’t save you a nickel, ever Monroney is the one that matters Get the right information Double Monroney label con What can a Monroney label can tell you It’s part of the diligence Lots of extra info Other add on labels Look alike factory label makes a used seem new Buyers guide required Used labels for equipment only MSRP for proper comparison Monroney labels.com for a copy of the original Mo...
Is purchasing a luxury vehicle different?
December 16, 2022 00:28 - 37 minutes - 30.3 MBLuxury considerations What qualifies as Luxury ? Safety is paramount The latest High tech Resale is still #1 Power, quality, technology EV lots of luxury models More affordable then you think Leases are best What affects luxury resale Due diligence is required Luxury uses the same techniques but they are worth more In person please Each issue is thousands Trade shopping is even more important Enough quotes? OTD and CPI are the same More polite but not your f...
F&I in today's market
December 05, 2022 21:22 - 36 minutes - 29.7 MBHandling the F&I /business office experience Tesla discounts coming down to about 55000 OTD Still a small percentage of the market Shorter life span more sales for the dealer F&I profits are way up, what should you do? When things are this crazy, if you can, wait How to process F&I aka business office Forced pitch from F&I, get up and leave Business office and sales are separate CPI to stop payment packing Delivery after bank approval Dealer finance reserve is the bigg...
What you should do when you want to buy but you are pressed for time
November 22, 2022 17:00 - 33 minutes - 26.7 MBWhat if you have limited time to make the purchase? Electrics when it’s cold weather Power drain is much faster Check rating in 3 or 4 stories Consistency means resale What was missed Time well spent Due diligence rush Phone and Internet Is one-price a choice? One day, the whole day Be assertive, not aggressive Aftermarket exceptions What slows you down? Something is better than nothing The basics of the basic
What you should do to get the most out of your vehicle when trading or selling
November 18, 2022 21:46 - 35 minutes - 28.6 MBWhat you should do to get the most out of your vehicle Multiple charging methods that ALL take time Rates are up so credit comparison shopping is a key Both rate and terms Which method, trade in, sell to a dealer or sell outright No matter what you trade in or sell, recondition as much as you can Know why you are selling, they will ask What you should verify and know Retailing pays Preparation is the same Know what you are trading in Deal first, trade second Getting al...
Other used vehicle choices during these crazy times
November 04, 2022 21:46 - 29 minutes - 23.9 MBOther used vehicle choices during these crazy times Time is money. Follow the plan Charging stations and unit numbers are big difference Average deal price goes up in a down year? Off lease check it more Rentals mean poor servicing Rental car deals….Not! A lease is not a rental They are not worth more, just the opposite Repos maybe OK If you are looking call your banker Flood may be a bigger consideration on rental, repo and lease Flood can be invisible Odometer law...
No credit, bad credit, how do you borrow?
October 27, 2022 19:15 - 44 minutes - 35.6 MBNo credit, bad credit, how do you borrow? Battery development is the key issue Turn the battery into the frame The harder to fix the shorter the life span Inflation oozes into vehicle interest rates The banks, more risk, more rate Know your budget and stick to it Down payment isn’t a lock Employment offers and testimonials help FTB, finance first, buy and negotiate second Don’t give up Shop every bank Financing has many sources Referral letters will help Cosigners...
Know about EV's before you vote
October 19, 2022 16:42 - 40 minutes - 32.9 MBThe Electric Vehicle Hoax A review to avoid being pushed Electric vehicle types? Hybrid Plug in Hybrid Total Electric What are the limits? What about trade values? Charging takes time, lots of time No charge? What to do Fossil fuel taxes pay for roads, how will EV’s be taxed? Crash safety is a concern? We need the minerals that are not here Find a power source Electric fuel can cost as much as gas Will the monopoly of electric sources raise the rates? The cost...
Is your research done? Now what?
October 08, 2022 01:25 - 38 minutes - 31.1 MBIs your research done? Now what EV corner The entire issue is blown out of proportion You can’t put products before the science Great negotiating requires great due diligence. Avoid cash or shopping talk. No matter what you offer, the dealer will try to bump you. Don't acknowledge the asking price Always ask for a better price at least twice before making an offer Assertive, not aggressive Hold your lips together tight...
The what and why of due diligence plus EV corner
September 29, 2022 18:25 - 29 minutes - 24 MBThe what and why of due diligence plus EV corner Electric vehicle charging levels Charging improvement means more $ Each electric company area could be a monopoly 2022 Consumer Report has a great ratings section Brand tells the story best Due diligence is paramount There are no short cuts to good results Know what you want first Used price calculation methods for used Use the Monroney label for online comparison of new The internet for some of today's information but no...
Dealer advertising is like the fake news
September 19, 2022 17:09 - 43 minutes - 34.9 MBDealer advertising is like the fake news F150 is just 150 miles loaded Where is the Lithium? A plan for better MPG Bad ads = bad experience Bait and switch Switching stories Ridiculous trade values Guaranteed payoff is a hoax Rebate tricks Employee pricing, means what? Disclosures Plus everything Radio, newspaper, magazines, TV, social media, Government ads for Green new deal support FTC will help eventually Not a single number is factual A dealer’s ads indi...
EV news plus one price dealers
September 10, 2022 19:38 - 32 minutes - 25.9 MBEV news plus one price dealers Twenty eight thousand ? Electric is often missing all that is needed Big organizations make mistakes but can afford to The one price stories There are no special deals just special methods Why are one price techniques uesd Cut the dealer ‘s expenses Enhance the profits It’s not about customer satisfaction 2+2 is not 5 No haggling does not mean a good price Ho Hum prices at best Shorter sales process, longer F&I time Don’t let your gua...
What to do if you purchase a problem vehicle
September 04, 2022 01:44 - 32 minutes - 25.9 MBWhat to do if you purchase a problem vehicle The FTC is increasing their rules for dealers Does it really help or just increase prices Electricity costs are going up…fast The Lemon law All states have a lemon law but guidelines vary Get the dealer principal involved after two repair efforts fail, don't wait. Get your forms from your state's Attorney General office Arbitration could be available from the manufacturer Federal lemon law Magnuson-Moss act FTC new or used ...
Dealing on a medium or low priced used
August 27, 2022 19:09 - 32 minutes - 26.1 MBDealing on medium and low priced used Don’t be fooled by a $7500 credit there are lots of other reasons So many new vehicle tricks and gimmicks, go used Used leasing isn’t good Inexpensive is many things Used vehicle categories are different Priorities have a number Like everything , pay more, get more Many ways to save Clear title is always number one A check list to follow Low dollars are low value Banks always play a part Junk is just that Why was it salvage ...
The due diligence for buying a used vehicle
August 15, 2022 02:02 - 47 minutes - 38.1 MBThe due diligence keys when buying a used vehicle Climate change barrier reef is 90% better Tax credit? Only a few models and who needs it? Due diligence on a used is different Resale consideration can be just as important You need wholesale and retail prices Use all the pricing guides Call for quotes For exact options you can’t be too picky Special reports will help, like Consumer Reports What are the keys What Dealer? What are your basic needs Check for flood sig...
The key do's and don'ts
August 04, 2022 03:41 - 32 minutes - 26 MBDo's and don'ts EV battery onto the reasons list Short cuts to dealing The don’t do it list The reverse of what to do Test driving? No pricing Out of time Three choices as I see it Sometimes what not to do is just as good Take time for Due diligence Avoiding mistakes From basic to not so basic A list of not to do Leasing adds to the list Electric vehicles, Just say no
Buying an electric vehicle review
July 27, 2022 01:38 - 40 minutes - 33 MBElectric vehicle review Carvana is banned in Illinois Don’t buy on line, ever Ship fire at sea can’t be extinguished and 4000 electric vehicles go down Green new deal is crazy Reviews and reports on electric Mild hybrid Hybrid Plug in hybrid Total electric The resale facts are huge They cost more The cost of ownership is more Convenience has value Price , distance, time, safety Save enough to drive 80,000 miles