Deal Talk

Deal Talk 142 Online is paramount

April 12, 2018 16:00 - 27 minutes - 22 MB

Online research is paramount FTC and what it does update Tesla electric The Internet for today's deal. Get the facts and leave the rest. Book prices but stiff shop it Bank rates and terms Internet quotes. Assertive not aggressive Safety sites Background check Beacon BBB Go in armed with the facts

Deal Talk 141 Electric and gas

March 29, 2018 16:00 - 25 minutes - 20.8 MB

Electric and gas Serious Upside down Negotiate the finance Focus on the purchase first Separate loans Remember the anti upside down list Types of electric vehicles Hybrid Total electric Low limits Finding a power source Cost is huge Resale is a guess Environmental questions

Deal Talk 140 Don't do it

March 21, 2018 22:28 - 33 minutes - 26.6 MB

Don’t do it: The definitely don’ts and a few do’s A 25 list to remind you Never talk price while picking Always test drive Think about the future, fitting needs, resale value, etc. Never deal without talking to the banks first Never talk payments with facts Always, auto check Nineteen more Six Leasing don’ts Never give up All in all, stick to Deal Talk

Deal Talk 139 One Price Dealers

March 15, 2018 01:10 - 28 minutes - 23.2 MB

One price is about the dealer Shopping your vehicle is paramount True one price is a culture Why one price? 2+2 is not 5 Negotiating is a happier customer Usually the higher average Don't let your guard down Due diligence is the key Lower overhead and better averages As always, OTD is the answer

Deal Talk 138 Selling your own vehicle

March 09, 2018 05:16 - 28 minutes - 23.3 MB

Selling your own vehicle Make sure the advice is worth listening Congress and autonomous Dealers educating the public Trading in sale Out-right to a dealer Selling yours retail First impressions are everything Cosmetics are key Fix the noises They’re all worth doing Locate the title Know you pay off Get a car fax to be ready Prepare for upside down During the process be prepared Talk about the strengths Advertise everywhere The quick list

Deal Talk 137 Used vehicle buying

March 01, 2018 01:26 - 44 minutes - 35.9 MB

Used vehicle buying: Lease deal news Online sales companies and a garage Is used buying different? Pricing techniques You need wholesale and retail Less picky Dealer considerations Special reports can help Basic needs Take your time looking it over and check for flood signs More due diligence List of ten keys Even more banks Figures that help you figure Three offers Don’t be afraid to walk OTD, months, rate, amount and any required down payment It all matters

Deal Talk 136 Resale value is king

February 22, 2018 17:00 - 29 minutes - 23.5 MB

Resale value is king Bank kickbacks, aka reserve payments, are on their way out, maybe Auto loan Debt is the highest ever Upside down and resale value? Is resale part of the deal? What seems like a good deal, maybe not! Biggest cost, considered the least What affects resale? Predictable resale? What are all the factors? How to protect resale You can control much of it Part of the due diligence

Deal Talk 135 Advertising tells a story

February 15, 2018 17:00 - 27 minutes - 21.8 MB

Advertising tells a story AutoNation $ Upside down may be easier to finance Common bait and switch Radio, paper, TV, social media Multiple rebates Ridiculous trade values No matter what you owe Employee pricing, what? Disclosures Plus everything FTC will help eventually Not a single number matters Ads can show the ethical character Nothing else matters but OTD and CPI

Deal Talk 134 All about when

February 09, 2018 00:26 - 29 minutes - 23.9 MB

When Tesla in space Track the CFPB Subprime leasing is a lock Use every advantage possible Post-holiday Week day Last or 32nd, Time thoughts Morning, noon or evening New model, left-over, 2 year used Oddity of design change Leasing

Deal talk 133 Stick to the plan

February 02, 2018 04:46 - 30 minutes - 24.5 MB

Stick to the plan Companies can get off track Military lending Robert’s questions Why shop the trade? Why so many quotes? In person matters Get it all not just a little You have to want it Due diligence even with connections When a tie go with no fee Only give the info they need Only except the facts

Deal Talk 132 Important definitions and guidelines

January 25, 2018 16:28 - 30 minutes - 24.5 MB

Important definitions and guidelines CFPB guidelines support Dealer kickbacks could go crazy How much due diligence? Effort equals results, as everything The main concepts OTD is king CPI every payment Upside down/minus equity ACV vs Trade in allowance Trade value preparation What cash? Same exact vehicle Assertive Why list vs price Focus on what matters A few more

Deal Talk 131 Preparation including where

January 18, 2018 17:00 - 25 minutes - 20.2 MB

Preparation including where After you have picked, what’s next Ads won't help you Getting online quotes What you might write Where for Beacon Bank info Call insurance After market research Check the amenities while testing Have you ever been this ready? The considerations when you’re picking a dealer What about the chain stores? Selection does not equal value Bureaucracy can get in the way Online sellers, another mouth to feed Make a list No substitute for d...

Deal Talk 130 Reviewing the reviews

January 11, 2018 01:50 - 33 minutes - 27.1 MB

End of the year savings may hurt not help Forty percent? Domino effect Keep it manageable Dealers don't post resale values Get all of the info you can Would buy again list Would not buy again Most reliable list Don’t buy list may be the best Fabulous 10 What does it all mean? Ratings help outline a test drive Resale value is king, protect yourself Use Deal Talk to limit the possibilities

Deal Talk 129 More about Leasing

January 03, 2018 19:25 - 35 minutes - 28.5 MB

Just Leasing More dealers get caught Big magazines, small facts Does it make sense Peace of mind So many points More vehicles in 10 No repair Tax? You have rights Still due diligence Keep your trade dollars

Deal Talk 128 When there's a problem

December 21, 2017 17:00 - 27 minutes - 22.5 MB

When there's a problem The legal alternatives Calls and emails CPO story If something is wrong in your deal Due diligence, due process Salesperson, Manager, Dealer principal Manufacturer (Company.com) and the bank Better business (BBB.org) Attorney general (your state.gov/attorney general) FTC UDAP statutes Attorney Assertive and persistent, not aggressive

Deal Talk 127 Help, I'm upside down

December 14, 2017 17:00 - 29 minutes - 23.9 MB

Fines for the wicked Distractions for a driver Upside down story Why What can you do Type 1, type 2 and type 3 Bad resale = minus equity Minimizing if you can In the future 8 tips

Deal Talk 126 Lease or Buy and the reasons why

December 07, 2017 17:00 - 34 minutes - 27.6 MB

Lease or Buy and the reasons why Facebook dealer tools Subscription buying foggy What are the methods to get a vehicle? Buying short term Balloon 36 months or less only None or little maintenance Mileage allowance Resale matters Choices, trade sell or buy Tax advantage Peace of mind Due diligence research Multiply or divide by 2400 Shop sign and drive Ten year ownership can be the best Four or two in ten Mortgage possibility

Deal Talk 125 Certified Pre-owned Reviews

November 30, 2017 17:00 - 30 minutes - 24.2 MB

CPO reviews Always question any repair Just like deposits, not much recourse Bad ads can be any kind of motor vehicle In the ad or left out 100-300 point checks Another market for the dealer Bank rates are comparable It’s far from free for anyone Certified can cost several thousand more Pay in advance for what might happen Low mileage and clean car fax Resale only counts the vehicle

Deal Talk 124 Preparing for F&I

November 22, 2017 21:32 - 31 minutes - 25 MB

Preparing for F&I : Deposits refunds Buyer’s remorse F&I profit numbers The business office is about money Bank commissions are huge Shop the rates Shop all the products Don’t be at the top of the profit average Review your payment before you start Payment packing is a real issue Get the break down every single time Be sure you are approved before you take delivery Ninety days to first

Deal Talk 123 Preparation is paramount

November 16, 2017 17:00 - 29 minutes - 23.9 MB

Preparation is paramount FTC lands the same dealer group Longer term is never good Preparation first Confidence comes from knowledge Choosing the right one Know your choices Make, model, MSRP Which dealer? Online info, assertive, not aggressive Bank questions with your beacon Include leasing Know your trade book value and shop used dealers Do your trade separately is you can, two chances to sweeten the pot Complete it all before negotiating

Deal Talk 122 Finance terms, new or used

November 09, 2017 17:00 - 25 minutes - 20.8 MB

Financing New or used Black Friday Auto shows tell a story What rate? What determines the rate? Term and vehicle age Know your credit score Shop 4 banks, at least Compare the sub-vented to the rebate with your bank Reserve is an issue Depreciation is more than interest Used is a rate hike Check it out Tips for used success Other considerations

Deal Talk 121 Diesel, salvage and those crazy ads

November 02, 2017 21:51 - 40 minutes - 32.8 MB

Diesel, salvage and those crazy ads Accord vs Camry runoff CFPB rule gets squashed Diesel choices Old story More cons then pros Salvage Price vs risk Bait and switch Disclosures Head for the country It shows the culture Avoid all the ads OTD and due diligence are your protections

Deal Talk 120 Is luxury dealing different?

October 26, 2017 16:00 - 34 minutes - 27.9 MB

Is a Luxury deal different? In the news Patreon page news What are Luxury vehicles? Safety is key High tech Resale is still king Power and quality More affordable then you think Consistent resale = attractive lease Other things affect resale Big price-big savings CPO no, used maybe Due diligence in required

Deal Talk 119 Maintain resale

October 19, 2017 16:00 - 27 minutes - 22.2 MB

Maintain resale Last week’s review Read the warranty small print 96 months The day after delivery Review maintenance after you buy Service is another $ sign Synthetic oil’s point Most Filters can be cleaned, not replaced Tune ups only when needed Be aware of symptoms for brakes and tune ups Transmission is long term Waxing, love bugs and acid rain

Deal Talk 118 That's not all

October 12, 2017 13:51 - 30 minutes - 24.6 MB

There is more to do Trade-in review Let congress know for CFPB Autonomous ethics? Resale needs your help Review the Monroney Label Review all the numbers Read the manual Register your tires Used must register with the manufacturer Used vehicle extras Sealant, upholstery guard, mud flaps Extras to think about The bag in the trunk Leasing worries less If a better deal shows up

Deal Talk 117 Trade Talk

October 05, 2017 17:15 - 30 minutes - 24.3 MB

Trading Talk Reviewing what to buy, after the sale Where and what question Trade Retailing pays Trade or not to trade Know what you are trading Deal first, trade second Research Get it ready pays No matter what you are trading What you owe vs trade Resale value is a big part

Deal Talk 116 Why, how and what to add on

September 27, 2017 22:08 - 43 minutes - 35.3 MB

Why, how and what to add on: Last weeks truck points In the news, over a trillion in auto debt Geographic add-ons help resale OEM add-ons Dealers use add-ons Appearance Prepaid maintenance Life and Accident insurance Motorcycle add-ons Truck add-ons Always the factories Extended warranty You can shop all of it Do the planning and pricing of add-ons before you get to the dealership

Deal Talk 115 More about truck buying

September 21, 2017 16:00 - 29 minutes - 24 MB

Last weeks news What stickers? News Factory plans only Resale keys Cab The box size Transmission matters Engine power pays 4x4 = $x$ Keeps on giving Resale is king Always OTD Know exactly what you need before you look Senior help Benefitcheckup.org Clopp.org Stillruns.com Centerforcardonations.com Needhelppayingbills.com Workingcarforworkingfamilies.org

Deal Talk 114 Flood vehicles and dealer labels

September 14, 2017 16:00 - 29 minutes - 23.9 MB

Flood vehicles and dealer labels Last week on steroids Avoiding a flood unit Beware of location Areas to identify Don’t be price blind Ads that tell the story Low payment savvy Long term maybe Ellen’s question Factory sticker Same vehicle, same sticker Ad-on label One price Used vehicle buyers guide FTC

Deal Talk 113 If you don't have time

September 07, 2017 16:00 - 30 minutes - 24.8 MB

If you don’t have time Last week’s news F&I is up everywhere A million totaled in the storm Buyer beware Due diligence in a hurry but do it Phone or internet A one price store? One day, use the entire day Be assertive, not aggressive Only count on what is in writing Aftermarket exceptions What slows you down? Something is better than nothing The basics of the basic

Deal Talk 112 Poor credit advice

August 31, 2017 16:00 - 34 minutes - 28.2 MB

Poor credit sources Last week and in the news Don’t be fooled by $12000 off Attorney General at work in NY Bad credit sources. Ridiculous rates 90 days to first. Pick payments. 50 percent or more, down payment What’s the quality? Unwritten rule Churning Laws that help What states can do and the country should? Secondary dealership and finance company sources are better Get some testimonials! You can shop!

Deal Talk 111 First Time Buyer

August 24, 2017 20:05 - 30 minutes - 42.5 MB

First Time Buyer Review the last CFPB rules must stay Negotiation is an involved process More disclosure than ad Depreciation is the Primary More risk, more rate Know your budget FTB, finance first, buy and negotiate second Financing has many sources Cosigners can trump everything Improve the risk Buy here pay here may be the last choice

Deal Talk 110 Wheelin' and Dealin"

August 17, 2017 16:00 - 34 minutes - 47.5 MB

Wheelin’ and Dealin’ Last week’s review. The news about the CFPB arbitration rule, protect it. Rates are down a bit might be a good time. Great negotiating requires great due diligence. Being rude or angry does not work, assertive not aggressive. Avoid cash or shopping talk. No matter what you offer, the dealer will try to bump you. Always hold your lips together tightly and listen. Don’t acknowledge the price anchor. Don’t take the other people’s position or attitude pers...

Deal Talk 109 When you're ready

August 10, 2017 16:00 - 29 minutes - 40.7 MB

When you’re ready Reviewing the week Questions from other countries Last week about the internet Electric cars Costs are out of whack Forget the ads Swapping terms Packing No spot delivery Know your beacon Never today only Sales pressure Don’t be afraid to walk

Deal Talk 108 The power of online research

August 03, 2017 16:00 - 30 minutes - 42.2 MB

The power of online research Last week’s review. The do’s and don’ts lists Wells Fargo news Tesla model 3 $ 840 horse When it comes to cost of ownership Resale value rules Internet and today's deal. Get the facts and leave the rest. Book prices, car fax, bank rates and internet quotes. One magazine that will help Go in armed with the facts

Deal Talk 107 Do's and don'ts

July 27, 2017 16:00 - 35 minutes - 49.4 MB

Do's and don'ts review: The news Last week buyer to seller Selling your vehicle has many fassets Trade in tax savings has a few exceptions Gap news Before and after The best deal requires due diligence in advance The definitely do's and definitely do nots A 25 list to remind you Leasing do’s and do not's All in all, stick to Deal talk

Deal Talk 106 From seller to buyer

July 20, 2017 16:00 - 26 minutes - 36.6 MB

From buyer to seller Weekly review CPO rates One price dealers…NOT 500 lbs AI worries Selling your vehicle Trade or retail, make up the tax Appearance is key Mechanical helps Never too much information Where’s the title Equity or minus? Prepare the financial Advertise Be careful Negotiate properly

Deal Talk Fixed price dealers

July 13, 2017 16:00 - 31 minutes - 43.9 MB

Fixed price dealers, Is one price right for you? Prior week review CPO Factory financing Resale review Car fax for the bank Buying used key points Why one price 2+2 is not 5 Usually the higher average Don’t let your guard down Due diligence is the key It’s all about low overhead for the dealer As always, OTD is the answer

Deal Talk 104 Purchasing used

July 06, 2017 16:00 - 32 minutes - 45 MB

Used vehicle purchase: Resale review Upside down stats No to internet sales Is used buying different? More due diligence Your proof Figures that figure Three offers Don’t be afraid to walk OTD and months, rate, amount Everything is key

Deal Talk 103 Resale value is paramount

June 29, 2017 16:00 - 32 minutes - 44.8 MB

Resale Value is paramount UDAAP review More stats Upside down and resale value? Is resale part of the deal? What seems like a good deal, NOT! Biggest cost, considered the least What affects resale? Predictable resale? What are all the factors? You can control much of it Part of the due diligence

Deal Talk 102 FTC help

June 22, 2017 16:00 - 32 minutes - 44.9 MB

The FTC can help Last week crazy ads Not a single number Stats 69 months Ad downs are not the average 5 % vs 7.63% UDAP UDAAP Federal trumps local You have a way to make things right Consumer protection is alive and well Your state’s interpretation Bigger fines to curb abuse Follow the chain of command http://www.nclc.org/images/pdf/udap/analysis-state-summaries.pdf

Deal Talk 101 Advertising and you

June 15, 2017 15:39 - 40 minutes - 55.8 MB

Advertising and you Last week Episode 100 Interview Bait and switch Radio, paper, TV Multiple rebates Crazy trade values No matter what you owe Employee pricing, what? Disclosures Plus everything FTC will help Identify the good ones Nothing else matters

Deal Talk 0100 One percent 💯

June 08, 2017 16:00 - 36 minutes - 49.7 MB

100 episodes, still more Last week When Franks fortune One percent story Angela speaks Never a shopper Why shop the trade? In person matters Get it all not just a little You have to want it When a tie go with no fee Only give the info they need Don’t take estimates, only facts

Deal Talk 099 When?

June 01, 2017 16:00 - 31 minutes - 42.9 MB

When Where, how, what, why Frank’s story Yearly Climate change Post-holiday Week day Last or 32nd Time thoughts Morning, noon or evening New model, left-over, 2 year used Oddity of design change Leasing

Deal Talk 098 definitions, rules and terms

May 25, 2017 16:00 - 27 minutes - 38.6 MB

Key Vocabulary Review where to buy Huge F&I profits Is it worth the effort? How much due diligence? Guaranteed results at a level equal to effort The main concepts OTD is king What cash? Same exact vehicle Trade value preparation ACV vs Trade in allowance Assertive Why list vs price Focus on what matters Final rules

Deal Talk 097 Compare for where

May 18, 2017 16:00 - 30 minutes - 41.8 MB

Compare for where Review Deal has a problem Check the amenities while testing The considerations when you’re picking a dealer What about the chain stores? Selection does not equal value Bureaucracy can get in the way Online sellers, another mouth to feed Make a list No substitute for due diligence

Deal Talk 096 Steps to part one

May 17, 2017 16:05 - 27 minutes - 38.6 MB

Steps to part one Review the minus equity Dot Gov information Ads won’t help you Getting online quotes What you might write Where for Beacon Bank info Call insurance After market research The right warranty Have you ever been this ready?

Deal Talk 095 If your deal has a problem

May 04, 2017 16:00 - 27 minutes - 38 MB

If your deal has a problem Minus equity review Repair bill stat CPO lease What kind of went wrongs Due diligence, due process Salesperson, Manager, Dealer principal Manufacturer (Company.com) and the bank Better business (BBB.org) Attorney general (your state.gov/attorney general) FTC and UDAP statutes Attorney Assertive and persistent, not aggressive

Deal Talk 094 Handling minus equity

April 27, 2017 16:00 - 33 minutes - 46.7 MB

Handling minus equity Review finance office In the news FTC used vehicle label changes Rate changes Aka, under water and minus equity, upside down Why it happens What to do Type 1 and type 2 Resale = minus equity Minimizing if you can Tips for the future

Deal Talk 093 F&I aka Business office

April 20, 2017 16:00 - 32 minutes - 44.4 MB

F&I aka Business office review: The news Morgan Stanley weighs in Last week finance and buying a used Sixty years and nothing changes The business office is about money Shop the rates Shop the products Don’t be at the top of the profit average Payment packing Get the break down every single time Be sure you are approved before a spot delivery Ninety days to first, isn’t free

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