tag:blogger.com,1999:blog-61426312600559966472024-03-13T08:46:52.337-07:00Katie the CarladyHave you ever had a vehicle question and didn't know who to ask? New or used, lease or buy, model and make, best deals or bad deals well I am the lady for you. 17 years of experience in the car business and all of the tricks of the trade. I am your dealership alternative.Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.comBlogger22125tag:blogger.com,1999:blog-6142631260055996647.post-8115050674442239122014-06-03T07:37:00.001-07:002014-06-03T07:37:49.894-07:00Can I hear what the customer is saying? Cars and Clients!I always get excited when I get to work with a new client or repeat customer. It is an adrenalin rush when that phone rings and the person on the other end is in the market for what I do. In this case... a car. I have become very aware that sometimes I can get so involved in what I want to tell to the client, that I don't hear what they are saying.<br />
A perspective new client shared with me recently that she feels like dealers don't listen. She told me that when she shared with the sales person what was important to her, he just totally bypassed and kept on trying to sell what he wanted to sell! She had a budget and he just would not listen to that. She did not want a specific color... not listening. <br />
This made me think about how people feel about the car buying/ leasing process and how important it is to hear what the consumer is saying and that each person wants to be heard. Every customer has their own perspective on what "their" deal should look like. I want to always be able to see each client as they are with their own needs. I found over the last 19 plus years in the car industry that customers see color differently, care about different options and have a need to feel appreciated, empowered and educated! Am I listening to what is important to the consumer? It is such a simple and selfless act to listen.<br />
If you go to a dealer and feel like you are not being listened to, you can change the course of that conversation. 1) You can ask your sales person to please listen. If that does not work then I suggest 2) you find someone who cares about YOUR deal. Not just selling a car. There are many good listeners out there. There are also people that have not learned how to be good listeners. Maybe this is an opportunity for you to help them! Your opinon, money and voice have a value.3) Find the person that knows that value and understands how the process of car buying, leasing, financing and warranty information works. <br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com13tag:blogger.com,1999:blog-6142631260055996647.post-77702340321746973812014-03-20T07:55:00.001-07:002014-03-20T07:55:50.552-07:00 Vehicle Lease for longer term?. Lower payment?? Look closely! We are all in search of the LOW payment when negotiating our lease. Something I hear day after day is... "I need the lowest payment possible!" What we forget is that we should be shopping by purchase price and not by payment. <br />
What does that mean? When you purchase or lease a car, you want to make sure you get a good deal. This is based on the price you pay for the car. The monthly payment will fall into place. Once you negotiate the purchase price of the car minus your rebates, money down or trade, then all you have left in the term and the interest rate/ money factor. THE PURCHASE PRICE DOES NOT CHANGE WHETHER YOU LEASE OR PURCHASE your vehicle. You could be leaving money on the table.<br />
36-39 months is pretty standard in the leasing world for a vehicle lease agreement. Its really the most common. Its not forever and you are mostly covered by warranty depending on your miles that you are driving. Most manufactures push these terms and will offer the lowest payment, best money factor and a good residual. To go longer would be silly because the payment sometimes actually goes up. It does NOT make sense. A big down payment is not a solution! <br />
Some Other manufacturers do offer longer terms like 42, 48 and 60 month leases. STOP and THINK before you jump on this because the payment is lower. If you have to stretch a lease out that long to afford it, you may be on the WRONG car! This car may be too expensive for your budget. The other aspect of choosing a longer term can be the difference in cost of tires, brakes and other maintenance. Before you sign on the dotted line, look at the whole picture and revisit the cost of a purchase. The cost of more payments, interest, maintenance and repairs adds up. Sometimes we don't realize how that extra 6 months or year did not really save us anything if we have to spent 500.00 to 800.00 on a set of tires!!!! Maybe it opens you up to look at some different cars.<br />
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I call those problems "high class problems". The problem of which car to choose!!!!! We should all be so lucky. <br />
<br /> We all want a good deal. One that is fair to all parties involved. That includes the consumer and the dealer. At the end of the day, you need to make sure that you do what is in your best interest. Follow your gut, stick to your budget and take your time. We talk ourselves into things because we get so excited, but it is a contractual agreement so you need to take it seriously. <br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com2tag:blogger.com,1999:blog-6142631260055996647.post-90619310730066370112013-12-27T11:21:00.002-08:002013-12-27T11:21:33.600-08:00Are all auto dealers the SAME?????Are all auto dealers the same? Of coarse not!!!!! Depending on the customer service, honesty and ability to treat people will separate how the dealership is rated. Unfortunately you can always get a few selfish, dishonest salespeople or mangers that will ruin it for everybody. They are motivated more by the mighty dollar than the consumers best interest. <br />
"There are good dealerships out there." I hear this from readers and from consumers. This is true. I do not want to sound like I think that every dealership is trying to take advantage of the consumer. There are some good people out there that do care about their customers.<br />
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I have however been in this business for over 19 years. I am driven to educate consumers about how to make sure they protect themselves with information. There is nothing wrong with running a business and making money, but why should one consumer buy a car for invoice , and the next customer comes in and is not as educated pay MSRP?<br />
What does the dealer say? "They should have negotiated a better price!" "The customer should have made a better choice." Isn't it the job as a salesperson to educate the consumer so that they make a better decision? I feel like we as sales people need to help more and educate more! I think the "sell" would be a lot easier.<br />
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There are a couple ways to check out dealers and their reputations.<br />
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* Look at their ratings with the Better Business Bureau in your area. See if they have any complaints.<br />
* Google the dealership. See what consumers are writing. Not paid testimonials! <br />
* Ask your friends who they deal with OR if any of them have had negative / positive experiences. <br />
* Check with the Attorney General in your state. That is a good source to see if the dealership has had consumer issues or complaints. <br />
* Use Social Media to benefit you and reach out to your contacts and friends and ask for referrals.<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com1tag:blogger.com,1999:blog-6142631260055996647.post-88600576085707888892013-12-18T08:09:00.003-08:002013-12-18T08:15:23.568-08:00Do I have 3 days after I buy my car to give it back?NOT in Ohio. This law known as the "cooling off period" law varies depending on the state you live in. This is the law that most consumers think gives them 3 days to "undo" a deal on a vehicle purchase. Wrong!! When you sign on the dotted line, you own it. Maybe if the dealer is a friend or family and did not submit the paperwork to the bank yet to be funded, you may be able to cancel. But that is the dealers discretion. <br />
Recently I had a woman that I had met networking call me. She mentioned that her daughter bought a car and she thinks it may not have been a good deal. This happens everyday! Buyers remorse. What comes from people making decisions without doing some homework. What I had found out was that this young woman who scored over 700, accepted a rate of over 6%. She probably could have qualified for the 0% on a new car. She was sold/ she purchased a bunch of aftermarket products that she probably did not need and bought a current year rental car with 33,000 (estimate) on it.. ARE YOU KIDDING? For a similar price the same car could have been purchased new.. When I had a conversation with her to try and help her out, I realized that the Attorney General in Ohio does not have a "cooling off period" law. According to the Attorney Generals website http://www.ohioattorneygeneral.gov <cite class="vurls"></cite> certain consumer laws require sellers to provide cancellation rights. That does not apply to vehicle sales. YOU NEED TO EDUCATE YOURSELF and make sure you are positive. Follow your gut!<br />
I think this law never came to my attention because I try to make sure that my customers are comfortable and feel like they are making the right choices. I will not do a deal if there is uncertainty!<br />
This young women was able to cancel some of the aftermarket products that she bought but did not need, but was stuck with the loan and the purchase of the vehicle. The guy in the F & I (finance and insurance) office was not happy... He loses money. I asked the dealer why they did not offer her the new car option. He said in not so many words that there was more money in the used car with 33000 miles. She is going to refinance through her credit union. This is information! It does not say that every single dealer and salesperson is like that....but you cannot expect the dealer to educate the consumer. The consumer needs to ask questions and compare. Once you sign... YOU ARE AN OWNER! YOU JUST BOUGHT OR LEASED A CAR. I do need to say that with all the resources we have available, consumers can avoid becoming victims. Once you have the information and you still make that decision you are a volunteer. <br />
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Here are some things that may help.<br />
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1) If your buying late model used, compare the "new car deals" going on. Ask to see a new car invoice on a comparable vehicle. Also ask for special financing rates through the manufacturer. This will help you evaluate how to get the most for your money. Always get a pre inspection on ANY used car! <br />
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2) When going in to the finance office, do not let your fear make your decisions. If you have had the used car inspected and your mechanic says its a good car, follow your gut. Weigh out the cost of aftermarket products vs what the repair reviews are online. Example: if a warranty costs 1300.00, please think about how much car 1300.00 can fix? You also pay interest and tax on that money. Gap insurance is always less expensive through your insurance company. You can ask the person how long you have to make the decision. It is usually 14 days to purchase the products. DO YOUR HOMEWORK! Let the emotion cool down.<br />
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3) If your not sure if it is the right deals for you, WALK! You do not have to make the decision right that minute. Take 24 hours and make sure it feels right. Remember, there is no "cooling off period". You sign it, you bought it!<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com3tag:blogger.com,1999:blog-6142631260055996647.post-26449925868007305742013-10-13T17:24:00.001-07:002013-10-13T17:24:27.900-07:00Do I have a TURN IN/Disposition fee at the end of my vehicle lease?If you are leasing an vehicle through a bank or a manufacturer, you most likely have a turn in or disposition fee. You may not remember when you signed your papers or the finance person conveniently forgot to tell you, but it is there. It is towards the top of your lease agreement and it is probably between 300.00 and 400.00. It ranges depending on the financial institution.There are only 2 manufacturers that I am aware of that do NOT have this fee. Honda... which is going to change as of October 16, 2013 and Ally Bank used by Chrysler and GM.<br />
It is very common that when customers leases are coming up, they can forget that this fee is there. When we get a new car, it is exciting and we think that it doesn't matter in that moment. This is somewhat true, but it will need to be addressed when you get to the end of the lease term. If you turn your car back into the bank or manufacturer, the bill will come! There are many things you can negotiate with the bank when you get that bill. They do not negotiate on the disposition fee!!! It is contractual. It was part of the lease when you signed it.<br />
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That being said, you can get creative. There are ways to get around this fee.<br />
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1)You can get another car through the same manufacturer. They will waive the fee and sometimes some of the damage on the car being turned in. So make sure you ask about that!<br />
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2) You can buy the car. You do not pay the turn in fee if you purchase your leased car. I am not saying that this is always the best option, but for some consumers the residual is under market value. They would not be able to duplicate the same car in the marketplace for the purchase price ! It also is a way that you do NOT have to pay the over miles if you under estimated.This also works if you have a friend or know someone that wants to buy it. To clarify, the residual is the amount that the car can be purchased for at the end of the lease. It is in your contract and also one of the factors used in figuring out the monthly lease payment.<br />
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3) The vehicle can be traded in and have the dealer or a wholesaler buy it. This is also a way to avoid paying over miles and damage if the value makes sense. Sometimes there is even equity that you can benefit from. Make sure you do your homework and shop the car around! Weigh out the cost both ways. Get a second opinion if your not sure!<br />
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The next time your signing or negotiating your lease contract, ask about:<br />
*The purchase price of the vehicle- whether you lease or buy, the purchase price should be the same!<br />
*The residual at the end of the lease<br />
* The turn in or disposition fee<br />
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If you do not trust the salesperson your working with, then find one that you do. Your gut is your best meter and it is your money. <br />
Having been leasing and selling cars for over 19 years, I am just sharing what I think can help consumers to understand.<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com11tag:blogger.com,1999:blog-6142631260055996647.post-9176590863561142832013-08-18T21:03:00.000-07:002013-08-18T21:03:00.336-07:00Where is my spare tire? Why doesn't my car have one? This is a very fair question. I was a few months into leasing my 2012 Kia Soul when I was reminded of this reality. My car had no spare tire and I had a major flat! Now, let me clarify that I know they all feel major, so lets just say that there was no room for getting to the closest tire shop. It needed attention right then.<br />
As I sat there figuring out my pump with the can of some sort of "fix a flat" provided by the manufacturer and my manual and the other pieces parts that need to all fit together to make this thing work, I realized that this is a common occurrence in many car models being produced today. I have been meaning to write about it since. By the way, that can of goop that you pump into your tire, is a one time use item. That means you need to replace it after each use. It can also do damage to your tire pressure monitor sensors that are inside the tire. Those are the sensors that send a message to your car to make the light go on in your dash that tells you your tire pressure is low! This kit does not work if you have a blow out or shredded tire so keep that AAA number handy or the manufacturer roadside assistance information in the car! I do need to say that the technology of tires today does help to minimize those instances. <br />
I will say that once I got the tire filled with this kit out of the compartment, I was able to drive to the shop that works on my car. They pulled a bolt out of my tire that was the size of my thumb!!! I still have that bolt. They were able to fix it. They did say they could not tell if the TPMS (tire pressure monitor system)sensors were damaged. I was grateful I did not have to buy a tire. <br />
Another reason that you may not have a spare, is that you have run -flats on your car. This is a type of tire that can drive up to 50 miles if its punctured. This is common on BMW's and the Toyota Sienna AWD minivan has them. Run flats cannot be fixed or patched. They must be replaced and they are not cheap. I found that out when I purchased my 2011 MINI Cooper countryman. I do have a customer with a 2006 BMW 3 series who did not put run- flats on his vehicle when he replaced his tires and does not have a spare. He chooses to take his chances. He saved quite a bit on the tires... Is it worth it? A run- flat also has more road noise and does not last as long. That statement comes from part experience and some reading of reviews.<br />
So we wonder why this is a trend..... Well I think that the manufacturers are all competing for the best MPG! The miles per gallon. The fuel economy! Who has the best when the price of gas is creeping up, up, up? It also saves the manufacturer money to sell a car with 4 tires instead of 5.<br />
Some people never find out they don't have a spare until they are sitting on the side of the road, need to figure out how to use that kit or call for help. Some don't care. I recently asked a mechanic about her thoughts on this trend, and she is a fan of keeping the spare. When in doubt, DO YOUR RESEARCH! Ask your mechanic, google reviews from people who have had actual experiences and ask your sales man... Does this car have a spare tire? <br />
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I will say that I find it ironic when people do so much homework and spend so much time to find the car with the best fuel economy, then they load up their vehicle with a ton of stuff that they carry around with them all the time in the trunk of their car. All that fuel economy goes right out the window. So think about that the next time you open your trunk and there is a bunch of stuff that has been sitting in there for a long time. It is costing you money!!! <br />
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Here are 2 websites I like that may help you:<br />
www.fueleconomy.gov<br />
www.safercar.gov<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com3tag:blogger.com,1999:blog-6142631260055996647.post-12420060721773274882013-08-13T08:51:00.001-07:002013-08-13T08:52:24.705-07:00What up with these surveys? Everywhere we look now are customer service surveys. It is sometimes annoying. I get it! Companies want good ratings. AT WHAT COST? I say that because I was under the impression that surveys are to help improve customer service, see how a company or product can be better and all around help the manufacturer and the consumer. WRONG!<br />
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Now you know that a blog is an opinion and I want to clarify this is just my view. I see it from both sides. As I work with dealers all the time for my customers. </div>
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These surveys are misleading to me. Here is why. The dealers have these surveys that the customer is going to get after they purchase a car. If the customer does not answer everything perfect, then the dealer fails and loses money. </div>
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Some of the manufacturers will take away all of the bonus money that a salesman has coming. </div>
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So if you as the consumer answers with a 9 on cleanliness of the dealer (example), and it is out of 10?</div>
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FAIL! there is no room for error. This is one of the reasons that your dealer may be trying to really go over this with you. </div>
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Here is what I find to be disappointing. This hurts the consumers and the dealers! The dealers are forced to do it because of the manufacturers guidelines . They are requiring certain numbers on those surveys. It is a lot of pressure for a dealer. Especially when lets face it, you just can't make everybody happy. The consumer may have something to share about how they feel the dealership could improve. The dealer can never get the real answers to help them improve and the consumer can never share their true feelings without really hurting their salesman that they may have really liked! The dealers do get a chance to reach out and make a situation right, but the damage is done! <br />
Some dealers have a video session so that the customer can do a testimonial and this also coaches them to give the dealer the ratings they are looking for. This to me is such a SCAM! It basically is using a survey for all the wrong reasons.<br />
Some of ratings are used on a national level so that manufacturers can say that they get such high customer satisfaction. This is NOT accurate on all levels. Some customers are happy with everything, but you always have people that struggle with understanding or have expectations that are unrealistic!<br />
On the other hand, dealers can be bullies, and dishonest and terrible with customer service. This is a way that a survey can hurt their pocketbooks! Whether it is by mail, email or on the phone, the answers that you are giving on the customer satisfaction survey are important. Just not maybe for all the right reasons! <br />
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Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com2tag:blogger.com,1999:blog-6142631260055996647.post-87333555743268747282013-03-13T22:02:00.000-07:002013-03-13T22:02:48.240-07:00Interest Rate Insanity It is astounding to me that just because a consumer may not have a rockstar FICO score (700 or higher), it opens them up to be totally taken advantage of with a car loan.<br />
The other day I had a referral call me looking for some help purchasing a new car. She had already made contact with a dealer and they had a car she wanted, but something was making her uncomfortable. As we communicated, I asked her to find out certain information about her purchase. We were texting an talking. I told her to ask questions like:<br />
What is the MSRP?<br />
What is my purchase price?<br />
What is the invoice price? <br />
What is the interest rate?<br />
How many months is my loan?<br />
These are all important things to know. She knew that she was not a 700 and probably closer to 650. She mentioned that she had a relative to co-sign.<br />
**This can be great but you need to make sure that your co signer qualifies. <br />
<br />
The consumer had put down a 200.00 deposit before she knew her interest rate or co signers information because she wanted the car.. I told her to sleep on it and follow her gut.<br />
The next day she called me from the dealer and I could not believe what I was hearing.<br />
Her credit score was a little lower than she thought. This gave them the open door to bump the interest rate. They told her she would be at a 12.00% interest rate vs. 4.00% she originally thought.<br />
Her cosigner shows up and has NO credit.<br />
**I cannot stress enough how important it is to know this information before you go into buy a car.<br />
All of the sudden the price was very different. I told her to get up and walk out. I would help her find what she wanted. I sat on the phone with her and walked her through it.<br />
<br />
Within 2 minutes her interest rate went down to 7.99%!!! Now they all of the sudden they wanted to come down on price by 500.00 and lower the interest rate. That did not happen until she was ready to leave and not purchase the car! They had the car she wanted and they knew that she was fearful with the credit situation. <br />
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If she would not have listened, they would have closed the deal on those numbers. This is Insanity.<br />
1)educate yourself<br />
2)know the interest rates<br />
3)take time to get that credit score up <br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com1tag:blogger.com,1999:blog-6142631260055996647.post-64744124318614404442013-01-14T10:03:00.001-08:002013-01-14T10:03:15.159-08:00Is it a better deal to buy a car at the end of the month/year? Happy New Year! Happy Car Buying! How many times has someone told you "go to the car dealership at the end of the month or end of the year and you will get a better deal"! Well, it is somewhat true depending on the month and the incentives that the manufacturers are offering to their dealers and consumers. Sometimes it can make a difference of up to 500.00 and other times it does not make any difference at all! The end of the year push is kinda sketchy to me. I think that this was probably was more accurate when the end of the year was actually the end of the "model year" for manufacturing automobiles. That has changed a lot since now some manufacturers bring out new models in June and July.<br />
You can get sometimes a better deal if you wait for incentives and Auto Show cash in February and March. At least that what I see in the Cleveland area sometimes. I know that at the end of 2012, Honda was already out of 2012 Accords and the deals on the 2013's were nothing spectacular because it was a redesign. They still are not GREAT! So I told people to wait a couple of months. The deals on the Accords will get better. That was not the case on Hyundai Sonata's, those deals were ridiculous . I was telling everybody to grab that deal because Hyundai offered up an extra 2000.00 and the dealers wanted to hit their bonus levels.<br />
That is a perfect lead in in to "end of the month goals and bonus levels that some of the manufacturers offer up to dealers. Some Manufacturers like Subaru, Hyundai, Chrysler and Kia. Just some of the ones I just have more awareness about, have goals and bonuses. If these dealers hit their goals get retroactive money on certain models. So if they are close to those goals, they will practically give the cars away to get another sold unit. It is all about numbers! When they hit their goals, THEY GET $$. <br />
That being said. they do need to make money so you need to be aware of the finance office and financing. They make up a lot of ground on deals with the money made on financing, warranties, gap and extra stuff that you may not need! Or they will make it up in the trade value. The old saying "if it seems to good to be true, it probably is" still can ring true. Especially in the auto industry.<br />
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I ask customers frequently, what is your expectation. Unless there
are new rebates, holiday cash or lease programs that are changing, the
difference your going to save will not be thousands! The mark up in cars
is just not what it used to be and with Internet pricing everybody has
minimized the profits to be competitive with the other dealer down the
street. You could save between 100.00 and 500.00 dollars depending on
what that dealer is willing to do and if they have the car in stock vs.
having to dealer trade and go get it.This is NOT a guarantee. It is just
an observation. <br />
I always go back to doing
your homework and trusting your intuition. We cannot stop the
unacceptable behavior if we continue to validate it by giving the
business and accepting the deal. On the other hand when you have a great
experience with great service, fair pricing and and feel great about
the deal, end of the month or not that is the type of person you want to
do business with!Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com6tag:blogger.com,1999:blog-6142631260055996647.post-63344122693048762692012-10-07T14:43:00.002-07:002012-10-07T14:43:43.305-07:00Am I getting a good deal?One of the age old questions that many people ask when they are buying or leasing a new car. "Am I getting a good deal?"<br />
How do we know? We can go online and get analysis - paralysis with all the information. We can bully the salesman and his manager. We can spend a month going to or emailing every dealership within a 50 mile radius for a 100.00 discount. All of these options with the possibility of negative and or stressful effects on us. And what is your time worth? <br />
A "good deal" is so relative. I am not saying that you should not do your homework, check on pricing, options and the going rate. What I am saying is that there is a value to feeling good about buying a car, being treated well and knowing that you can trust the person your working with. We all get stressed about spending money and making sure that we get a good value.<br />
You can go to websites like:<br />
www.nada.com<br />
www.carguru.com<br />
I am not a huge fan of Kelley blue book. Sometimes inflated and not always accurate. Just my opinion. <br />If you feel that your not trusting the person/dealership your working with, then do NOT validate the behavior by leasing or purchasing a car from them. Getting a new car is an experience and one that we should enjoy and get excited about.<br />
Sometimes the consumer will play "the game" with the dealer. This tells them that it is okay to treat you in a certain way. You may go to a dealer an their price is $5.00 more per month or $200.00 more on the overall price of the car, but they treat you exceptionally well. Is the service and the experience worth it? Of coarse it is. I guess it depends on if you value yourself and your money!<br />
The other option of going to the dealer that was a few bucks less, but did value you or your money, treated you crappy and insulted your intelligence.If they are acting like that now, imagine when you need service.<br />
I tell people all the time that I do not play "the Game". If you want to go to every dealer in town and beat them up over price, go ahead. I do not see the value. I look at the car business and see how we have validated dishonest, negative and greedy behavior for years. <br />
IT DOES NOT HAVE TO BE THAT WAY! We have the ability to change this.<br />
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But it has to start with the consumer. What is your part and what are you willing to do? So At the end of the day, your GOOD deal is not just about every penny you saved, but how good did it feel to walk out of the dealership with those keys in your hand? Did you say to yourself "I got a good deal"? Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com1tag:blogger.com,1999:blog-6142631260055996647.post-674570819019292192012-08-25T11:25:00.003-07:002012-08-25T11:25:56.539-07:00I am tired of sitting in this dealership!I get to talk to a lot of people who share their car buying stories with me. Sometimes by the time a person gets to me they are just tired of getting the run around. Someone recently asked me, "why does it take the salesperson so long to get pricing and communicate with his manager?" That seems to be the age old question. My immediate answer is that there is a lack of respect for a persons time. They also know that if you walk out of the dealership there is a very small chance that you will come back and buy the car. Especially if they know that they have decent "gross" in the deal! I do not know the exact percentages, but the numbers are not in their favor.<br />
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I also want to clarify that not all dealers are like this! There are many great dealers out there. But unfortunately this is the story that I hear more often!<br />
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A salesperson in a dealer may not know all the numbers behind the scene, so they have to go into their manger to work the deal to try to get to where the customer needs to be. This can take multiple tries depending on where they start in the quote. Here is what gets me. How does a dealership expect a mom or a dad to sit in a dealership for 5 hours with children waiting for a car? Just not realistic. But if it wears you down enough, your done! Sold! Because you cannot even imagine starting over again. So you buy the car/take the deal! Then its off to finance office. Here we go again....<br />
Let start the negotiating all over again, because they are going to try and sell me stuff that I may or may not need and raise my payment. <br />
I know a dealer that will "go off" on his sales people if people walk out the door with out buying a car! Buying a car is a huge decision for people. Especially if you are a first time buyer, maybe have some credit issues or just have a very specific budget. Everybody has expectations of what they want to see happen. That includes the dealer.<br />
I tell people to follow your gut. If something does not feel right or your exhausted, then leave and go home. I believe in taking 24 hours to think it over unless you are totally for sure and everything fits together perfectly. Emotion can sometimes make bad financial decisions.<br />
Here are a few pointers to help.<br />
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1) Allow yourself a certain amount of time that you know is acceptable to be in the dealership. If they do not respect your time, then why do you want to give them your business?<br />
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2) If you have small children, try to get a babysitter. Being a mom of 3 girls, I do not think I could have handled sitting in a dealership with all of them. I would have been so tired and emotionally cooked!<br />
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3) Stick to your budget. Do not let someone else set it for you. You may have to switch the car your looking at.<br />
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4) Gap insurance is usually less expensive through your insurance company if you feel you need to have it.<br />
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5) You do not need to buy extended warranty's on new cars. Don't double pay to warranty, you can buy one when it gets close to the manufacturer warranty expiring.<br />
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6) Do NOT shop by PAYMENT ! Shop by the price of the car. That is how you know your not leaving money on the table!!!<br />
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7) If you have credit challenges and the finance manager is quoting a very high rate, see if you can find a local company to get your credit cleaned up and then you can go back and save yourself a ton of money in interest!! <br />
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The last thing that I want to say is that :<br />
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If you are being treated poorly by a dealer or not happy with the service, DO NOT validate their behavior by giving them your money. Its your money and you as a consumer have choices! Find some one you like!!!<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com4tag:blogger.com,1999:blog-6142631260055996647.post-14253363363501615122012-06-25T09:23:00.001-07:002012-06-25T09:23:20.671-07:00How reliable is CARFAX?When I sell a used car to a customer, one of the most common questions is..."Does it have a clean Carfax?" or "Do you have the Carfax?"<br />
Carfax is an important tool that can give a buyer or seller some good information ,but it is not always accurate. Carfax is only as good as who or what is reporting to it.<br />
As a used car dealership, it is a great tool when we buy a car wholesale or take in a trade to see the possible number of owners, service history, accidents or open recalls. It can affect the value of a trade. Some dealers don't even want to have cars on their lots anymore if there is a "BAD" Carfax! Meaning that an accident has been reported. <br />
<br />Here is what I find to be ironic about this whole process. In the past couple of years I have found that Carfax does not know all!!! I knew a customer that wanted to trade in a car to me. It was a high end car that looked to be in pretty good shape. This customer disclosed to me that it had been in an accident that had caused about $12000.00 in damage. I would have never known that because it had a clean Carfax. Meaning the accident was not reported. I was wholesaling the car and I mentioned to the dealer that the customer disclosed the accident. The dealer said "I don't care as long as it has a clean Carfax!" This has happened on a number of occasions. How reliable is Carfax?<br />
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Perspective is so key. Here is another side to Carfax that is frustrating. A car may be in one of those accidents where there is NO damage. Everyone walks away and nothing happens to the car. This will get reported to Carfax. Those cars now have a BAD Carfax and are worth less on trade or selling because of that. Sometimes they will report to Carfax that there was "very minor damage". This is helpful because it will not scare people as much when they go to purchase or a dealer takes it in on trade.<br />
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We all want to be protected from the bad car deal, buying a lemon or getting scammed. I think that when we run on fear, we end up over thinking and letting our fear make financial decisions. Slow down and use this information as a tool. Carfax is a tool that can help you, but at the end of the day if your buying any used car, have it inspected by your mechanic and a body shop. It will take more time and maybe a few bucks, but will be so worth it over the long term!<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com13tag:blogger.com,1999:blog-6142631260055996647.post-2944353367237416082012-05-17T12:00:00.001-07:002012-05-17T12:00:29.565-07:00Cars, Technology and Neotropolis Western Reserve PBS Technology and cars has come so far. When I think about when I first got into the car business almost 19 years ago, the options were much simpler. The major "cool" options were only for the people willing to pay the big bucks. Although there is still some truth to this, technology has allowed cool options to be available on all levels of vehicles. When Luke Frazier from Neotropolis Western Reserve PBS spoke with me about doing a piece on technology in cars and how it affects us, I jumped at it. Luke has been doing this show for a little while now and really gets to see a different side to technology. I think some of us have a love/hate relationship with technology. From Kia to BMW to Chevy, they all offer great features! The nice connection is that you can get Bluetooth, backup camera, USB connections, heated steering wheel, hot and cold seats and navigation on all of them. I just leased a Kia soul recently and was able to get the UVO (Microsoft) upgraded audio system the streaming audio and all the goodies.It even can read my text messages! Ford has a similar option called SYNC . I stayed under budget and Love the cool technology. On the other side of that, I felt frustrated with the voice commands and the delay that comes from a computer reading my I pod. But the biggest frustration is the voice commands. The lady just does not understand what I need sometimes!!!! One of the other frustrations is generation gaps and understanding how the technology works. This can be very frustrating for the older generation that cannot understand how to make a phone call through Bluetooth and gets overwhelmed. <br />
That all being said, one of the things that Luke brought up when we were driving around in the 2012 Kia Optima SX with the camera man, is safety. This is huge! Technology in cars is allowing us to be safer while answering the phone if we need to. I do believe that every car should come off the assembly line with Bluetooth. That is just my opinion.I think it is important as making sure that the car has turn signals. Most of the word talks on cell phones, even when we drive. It takes us away from paying attention to what is going on in front of us.Haven't we all received the email that showed a picture of a crash where someone was texting?<br />
Hyundai has the coolest new thing called Bluelink. It is like Onstar and is available on almost all Hyundai models. You do not need Navigation with that. It downloads route to your car! Safety is important to all of us. Whether we are putting our teenager, parent or spouse in a car we want them to be safe.<br />
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At the end of the day, we love to have the cool new technology. Whether it is in you car or your business or your home. Luke Frazier talks about that all the time on Neotropolis Western Reserve PBS. Check out the website and check out Katie the Carlady with Luke on May 22, 2012 on PBS Western Reserve.<br />
www.neotropolis.org<br />
If you want more info about Katie the Carlady and Diamond Auto Lease & Sales:<br />
www.diamondautolease.com<br />
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<br /> Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com0tag:blogger.com,1999:blog-6142631260055996647.post-609597221559507412012-04-18T06:03:00.001-07:002012-04-18T06:03:59.012-07:00Networking, Non profits and Katie the CarladyI think in all of of us is the feeling of "wanting to help". Whether it is sending a donation to a local charity, supporting a friend in a walk, silent auction, raffle ticket sales or sponsorship. Most people want to participate in what is good! That to me is the beauty of getting involved in non profits and fundraising while meeting new people and networking. I am involved in two non profits, Taste of Hudson in the city I live in. Also Recovery resources of Cleveland. I am passionate about both, but for different reasons.<br />
Taste of Hudson is a non profit I got involved with 2.5 years ago with the intention of just trying to network and start the Luxury Auto Show. What I realized once I stepped in and got involved was all the GOOD that this organization does. All the money that stays in the community to help Summit County and so many local children and groups. I have met so many great people who do to tons of work to make this event happen. That right there is a great bonus. It also taps into the networking aspect. When you go into these events with an unselfish agenda, the rewards will come. They may not be in the time that you want them, but they will come.<br />
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Taste of Hudson is held on Labor day week end. This year it is September 2-3 2012. It is their 8th year. When the 35000 people come strolling through Hudson to eat from the amazing restaurants, buy beautiful art, play with their children on the little tikes toys, visit the local vendors, listen to talented musicians and spend time with family and friends it makes a connection to enjoying life and helping others to enjoy life too.<br />
I have learned that there are some things I am good at, and some things I need to leave to others in the group to do. I can use those qualities that I am good at to help the non profit, I am involved in. The business connections we make through the non profit can help us personally and the connections we already have can benefit your chosen nonprofit! Its a beautiful thing. <br />
The volunteers that show up to make this event happen are outstanding. Again, from all over Hudson/Summit county get to network with others through giving of their time. Its the whole "givers gain" that BNI networking groups talk about. The more you give, the more you get! In business we need to remember that the paycheck we get can come different forms. Although we need it in $$$$ to help live and support our families, paychecks materialize in our lives through people and fulfillment. This is a direct result of helping others without an agenda.<br />
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Get involved in a non profit in your local area. You will be amazed how the rewards with materialize in your life! Also Check out the site to help Taste of Hudson.<br />
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www.tasteofhudson.com<br />
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<br />Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com0tag:blogger.com,1999:blog-6142631260055996647.post-19769450765054107192012-04-13T15:12:00.000-07:002012-04-18T06:04:29.646-07:00Katie the Carlady & Taste of Hudson<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhL4pDlap5Qsy3FyYEqMiFF8QFwW_UvGStL-NtVKt5AM12RSHjp4ErhcfBUBRHh2ZyNhq0-cmji0OOTc4WytxwEL5GOHdIAI7prc6QadwerDAYE7lfzDcJPeyJmkLvco0ifNq6khHTa4q4/s1600/tasteofhudson2.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhL4pDlap5Qsy3FyYEqMiFF8QFwW_UvGStL-NtVKt5AM12RSHjp4ErhcfBUBRHh2ZyNhq0-cmji0OOTc4WytxwEL5GOHdIAI7prc6QadwerDAYE7lfzDcJPeyJmkLvco0ifNq6khHTa4q4/s320/tasteofhudson2.JPG" width="320" /></a></div>
Taste of Hudson is a local non profit in the city I live in Hudson, Ohio. A couple of years ago I had the opportunity to get involved in a very cool way! Katie the Carlady and Diamond Auto Lease & Sales got involved by starting a Luxury Auto Show. This allows some local dealers to exhibit some of the options in the luxury car marketplace. Its a great way to check out cars like Lexus, BMW, Audi, Mercedes Benz, Infiniti, Land Rover and Jaguar without feeling the pressure of a dealer showroom and support the locals!. Diamond Auto Lease & Sales and Katie the Carlady are also present to talk to and educate the 35,000 consumers on what is happening in the car marketplace. This year the 8th annual Taste of Hudson with be September 2-3, 2012. This will be the third year for the Luxury Auto Show. We have some great plans and ideas. There is so much more to experience along with the Auto Show at Taste of Hudson. The vendors, entertainment and beer and wine tent are all AMAZING. Come Join us. If your interested in being a vendor, please let us know!Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com0tag:blogger.com,1999:blog-6142631260055996647.post-23678894863356450402012-03-08T21:08:00.001-08:002012-03-08T21:08:49.295-08:00First New /Used CarEvery parent comes to that moment when they realize that their child needs their FIRST car. It is so bittersweet, because the child getting a car is so helpful to the parent, but the insurance and the credit , cash layout and the money needed to maintain can be overwhelming. There is also the question of how to teach the student to be a responsible driver and hold them accountable for a percentage of taking care of the car. How do parents navigate through this? The truthful answer, the best that they can.<br />
I will share some of what I have learned and hopefully it will be helpful.<br />
The first topic I want to address is credit for a teenager/college student. I have found that if you come out of high school or college with no score on your credit, your will be punished. What I mean buy that is no bank will loan you money to buy a car on your own. There are some manufacturers that do have "college grad" programs which will allow you to lease or buy a car on your own as long as you have some sort of credit, no negative trade lines and a college grad working in your field . Some are Toyota, Kia, Hyundai and Nissan.<br />
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The other option I have helped with other than paying cash for a vehicle
is leasing a inexpensive car and making the payments with that cash you
were going to spend on a car. This is not a bad option. But it is not
for everybody. It does allow for very low maintenance costs due to the
car being under new car warranty. You just need to be honest with
yourself about mileage that the student will be driving. As you know
with a lease there are mileage restrictions. Also there is a turn fee
that could be between $300.00 and $400.00. Although sometimes those can
be waived depending on the choices you make at the end of the lease.
The last thing to think about is holding the student accountable when it
comes to the care, there can be charges at the end of the lease due to
wear and tear. But this can make financial sense for some people.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9UON3eXaxOd7ByDfOHi7jyE1OruHLLHcq0Xi13SjQ1yfdmVODs6kAxsdJRi8jILnDcmm-JZhkFjS2BIHMmx6_zbMtW82Cwc6zYDgmEA_nsnhxzGh576Uc6LekM58MXTCZNH3aRaJREpg/s1600/cars+from+diamond+071.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9UON3eXaxOd7ByDfOHi7jyE1OruHLLHcq0Xi13SjQ1yfdmVODs6kAxsdJRi8jILnDcmm-JZhkFjS2BIHMmx6_zbMtW82Cwc6zYDgmEA_nsnhxzGh576Uc6LekM58MXTCZNH3aRaJREpg/s320/cars+from+diamond+071.JPG" width="320" /></a></div>
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I know of some parents that added their children as authorized users on their credit cards at age 16. This way the student had 700 or higher credit scores when they reached graduation. This is providing that the parent maintains their own credit. This is just information shared with me and I think it is important. When it comes to financing, it is all about the FICO score.<br />
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I have mixed feelings about the co- signing thing. It so depends on the child/adult! I think if you prepare and teach your child, it will not be necessary. If they have made some mistakes on their credit, then I think they need to repair it. That can be the biggest consequence.<br />
When it comes down to buying the first car with cash, there are some good buys. You must give your self some realistic expectations. Buying "cheap" cars are always a gamble.<br />
It s the endless battle of trying to find the $5000.00 that has no issues. It is not an easy task. Here are somethings I tell my clients:<br />
1) Check out Craigs List. Sometimes you will find good buys from local people. Local newspapers are also a good place to look<br />
2) Let people in your social media network know that your looking. You can reach many people with one ask.<br />
3) Any vehicle you find, get it inspected. It will be the best $20.00 to $60.00 you ever spend. If someone won't let you get it inspected, WALK away!Cars can look really pretty on the out side and have a ton of issues under the hood.<br />
4) Just know that any car in this price point will need some care. So allow yourself a little buffer.<br />
5) Let the student help and ask for them to put in some cash and agree to help do oil changes etc. Nothing unrealistic to their money saved or income.<br />
6) Give yourself some time to find a car. It does take time to find a good one.<br />
7) As long as the child is still a dependent, keep the car in the parents name. Saves money on insurance.<br />
8) When you find a car, look online at the year make and model to see what the repair problems could be. There are certain cars that I would not put my child in if they had high mileage or older. please consult a mechanic. I cannot stress that enough when your purchasing a "cheap" car!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWYnxi0KcR7hpNjoWTzOXCz0Lp0gC7oPfgAh4dqvWMay1ykZ2nbIzzkszBqhjtNaCIAaNu7yQf_JqMB9DLKgi_5NLGGfJOagIwyj4CyTYzcB-bWWLeOGJqriMD0oUOIzS3UGrXtPiFPDE/s1600/09vw+bug+003.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWYnxi0KcR7hpNjoWTzOXCz0Lp0gC7oPfgAh4dqvWMay1ykZ2nbIzzkszBqhjtNaCIAaNu7yQf_JqMB9DLKgi_5NLGGfJOagIwyj4CyTYzcB-bWWLeOGJqriMD0oUOIzS3UGrXtPiFPDE/s320/09vw+bug+003.jpg" width="320" /></a></div>
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We all have different perceptions of what we thing is best for our finances, children, car purchases. There is a lot of information out there that can be confusing. Put it on paper. Weigh out all your options. It will save you TIME and MONEY!Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com0tag:blogger.com,1999:blog-6142631260055996647.post-64812913002254817522012-02-22T09:22:00.000-08:002012-02-22T09:24:07.115-08:00Driving my DREAM! <span style="color: magenta; font-size: small;">Driving my DREAM!</span><br />
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<span style="font-size: small;">As a woman in the car business, I see things differently than most. It is a occupation dominated by men. I love the challenge and enjoy bringing a different set of views to my customers. Growing up my dream was not to be working in the automotive industry and yet here I am. </span>The dream that I thought was supposed to be something different is being realized. When I started helping people over 17 years ago find car solutions to their car problems, I never imagined that life as the "Carlady" could be so fulfilling. Make no mistake that my customers help me as much as they think I help them.<br />
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Over the years I have been acquiring information and learning from others that have walked before me about all aspects of the car buying, selling, leasing, wholesaling and financing. There is so much information out there to be sorted through. That is just one of the ways that I try to help others. I try to learn from my own mistakes and the mistakes of others. The passion that drives me motivates me to help my clients "drive their dream".<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd4yOeit4-MKJqe3OUgrvAyy3SIUHKn0Finz4yp4uuQmMOPK5lrkPGzTv85D3PASqvfscI1fB0wVI5sAa6QnLfqZstNBT5JveKHVBMPOANkjnTfT_QPCaEINAnhr5XaMScxa6pz7WCnMA/s1600/carlady+001.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd4yOeit4-MKJqe3OUgrvAyy3SIUHKn0Finz4yp4uuQmMOPK5lrkPGzTv85D3PASqvfscI1fB0wVI5sAa6QnLfqZstNBT5JveKHVBMPOANkjnTfT_QPCaEINAnhr5XaMScxa6pz7WCnMA/s320/carlady+001.jpg" width="320" /></a></div>
Building a dream career is not always what we picture it to be. I am so grateful that mine was not what I pictured. I love what I do.Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com3tag:blogger.com,1999:blog-6142631260055996647.post-35031287008974181882012-02-02T09:07:00.000-08:002012-02-02T09:08:18.022-08:00Top 10 Ways to Shop for a Car Like a Pro<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdGA21QXS_IPAMFywks3UG_cIFLasjxQgDC1LwqtXO3vXg_pc5PRpbn1tUZuGiQLwoRbC2feiKDRnL-mcklXP_gNFzXM2n1ioguRK9adTqDMvcgkEY6x3IMOIQt4jkZXn5IBYRWSwBYD4/s1600/top+ten+blogpost+photo.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="217" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdGA21QXS_IPAMFywks3UG_cIFLasjxQgDC1LwqtXO3vXg_pc5PRpbn1tUZuGiQLwoRbC2feiKDRnL-mcklXP_gNFzXM2n1ioguRK9adTqDMvcgkEY6x3IMOIQt4jkZXn5IBYRWSwBYD4/s320/top+ten+blogpost+photo.jpg" width="320" /></a></div>
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Have you ever been negotiating at the car dealer and felt like your not sure what your next move should be? Here are a few tips that can help everybody get a fair deal! </div>
<ol>
<li> Always buy or lease on the price
of the car, NOT the payment. The agreed price of the vehicle is how you know
your getting a good value. Do NOT rely
on the dealer to educate you. Do your homework.</li>
<li>Do NOT depend on the dealer to
inform you about your credit. Know your FICO and reporting history before you
go in. One out of every four credit bureaus has something reported incorrectly.</li>
<li>Know about GAP insurance. Most
leases include it and you don’t need it if you’re putting a large amount money
down on a purchase. You can usually get
it for less through your agent instead of the dealer. It is important if you
have negative equity.</li>
<li>Weigh out the pros and cons of a
warranty. Warranties are expensive. I recommend checking out the cost of the
warranty vs. the repair reviews on the used car your looking to purchase.</li>
<li>ALWAYS take a used car to be
inspected by your mechanic. It will be well worth your time and money. It could
save you considerably. Even if it is “certified.”</li>
<li>As you go into the finance office
to sign papers, remember you are buying
or leasing a vehicle. NOT INSURANCE. It’s a vehicle loan and could put you in a
negative equity situation when you add all that extra stuff into your
financing.</li>
<li>If you have a lease that is up,
check to see if you have equity. The residual on your car could be under market
value. You can use that money to put towards another car.</li>
<li>While negotiating your lease, be
honest with yourself about the miles per year you drive. Miles cost less
upfront usually. The difference in payment is minimal over the term.</li>
<li>When trading in a car, have an
idea of value. While nobody pays for emotional attachment you want to get a
fair number. <a href="http://www.nada.com/">www.NADA.com</a> is a great
tool. You can also go to other dealers
and ask what they would pay for it. You don’t have to buy a car from them. </li>
<li>FOLLOW your GUT! It is your best
meter. If something does not feel right, walk away. It’s your money and I
promise you that there is another car out there that will fit your needs!</li>
</ol>Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com0tag:blogger.com,1999:blog-6142631260055996647.post-66250270087941161702012-01-23T08:48:00.000-08:002012-01-23T08:48:50.953-08:00Is there Gap insurance covererage included in my lease agreement?Most manufacturer leases include Gap insurance. I know that Toyota does NOT include it in their lease as of today. Read the contract though and make sure. It is important! You can usually get Gap through your local insurance company for less than what the dealer will charge you. Make sure to compare.Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com1tag:blogger.com,1999:blog-6142631260055996647.post-64465864689041790842012-01-16T18:51:00.000-08:002012-01-19T11:59:53.093-08:00How to Decide Mileage Limits for my Auto Lease | Carlady Tip<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCT1OmgdB5JTHoPUHSg1Igoy3R7GmrvX7WCydYrRwCKeb-6sdBnl-N6Lo8pL09VW8uHy9DZoZGoaMsMblistAgoEKnyQxM5TN2Aa1dITvqclWqCkKS7IGWZUgw3pkNasNf3ptlBoynU2c/s1600/cars+from+diamond+085.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCT1OmgdB5JTHoPUHSg1Igoy3R7GmrvX7WCydYrRwCKeb-6sdBnl-N6Lo8pL09VW8uHy9DZoZGoaMsMblistAgoEKnyQxM5TN2Aa1dITvqclWqCkKS7IGWZUgw3pkNasNf3ptlBoynU2c/s320/cars+from+diamond+085.JPG" width="320" /></a></div>
Tip #2 If your looking to lease a car, be honest with yourself about how many miles a year you drive. The difference between 12000 and 15000 miles per year is about $10.00 per month in the car payment. If you talk yourself into lower miles because of the lower payment, it could cost you a lot more at the end of your lease when you need to turn the car in and pay .20 cents per mile.Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com1tag:blogger.com,1999:blog-6142631260055996647.post-20334169239928035832012-01-14T20:32:00.000-08:002012-01-14T20:32:55.900-08:00Katie the Carlady's location<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQSxTelRIRDki9VcZVcjt1h214NEyDIOFPSk8kaTPlbkZXcmtytqLh2f16Qd8ayQEsCK2bud5EhCGoX2CtfFmTn_CXk9U-6_Zmur-GUhpfSZdjycQsHj0gjuVZdfopA_5tmKn_AKrHX3U/s1600/FINAL_katie_2C_vector_logo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="127" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQSxTelRIRDki9VcZVcjt1h214NEyDIOFPSk8kaTPlbkZXcmtytqLh2f16Qd8ayQEsCK2bud5EhCGoX2CtfFmTn_CXk9U-6_Zmur-GUhpfSZdjycQsHj0gjuVZdfopA_5tmKn_AKrHX3U/s320/FINAL_katie_2C_vector_logo.jpg" width="320" /></a></div>
<a href="http://www.diamondautolease.com/">www.diamondautolease.com</a> <br />
This website can tell you a little about me and where I work! I love the people I work with and I really like the location. Check it out to continue to learn more.Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com1tag:blogger.com,1999:blog-6142631260055996647.post-86794578659696379612012-01-14T18:15:00.000-08:002012-01-14T18:15:21.709-08:00Tip # 1<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_vO1zHaSPVfJVmA82qVXjph0TawZZkS4dZWyUxYsQsDCpCmAx1iMSpitEVGHtiNf7xa68uV_DfC1o0YpTJooU4yNibtEvLMOFSGp3v9uAiB0p_RFXsHwWPDCTYeXN0gOJyWYWeZBRRCk/s1600/FINAL_katie_2C_vector_logo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="127" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_vO1zHaSPVfJVmA82qVXjph0TawZZkS4dZWyUxYsQsDCpCmAx1iMSpitEVGHtiNf7xa68uV_DfC1o0YpTJooU4yNibtEvLMOFSGp3v9uAiB0p_RFXsHwWPDCTYeXN0gOJyWYWeZBRRCk/s320/FINAL_katie_2C_vector_logo.jpg" width="320" /></a></div>
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Fasten your seat belt, Katie the Carlady has a new blog! </div>
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Tip # 1 If a deal seems to good to be true, it probably is. </div>Anonymoushttp://www.blogger.com/profile/06562823743584235997noreply@blogger.com0