The copy of earlier insurance policy effectively owns the car until the designated proprietor or driver of the vehicle. There is an app for Apple and the.

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In our society lawyers and used car salesmen as a group have been given a reputation as dishonest.
A Stereotypes, whether they be about racial groups or about occupational groups, are sometimes based, at least in the remote past, in some form of truth. A People tend to,A  be like animals, they put other groups of a€?animalsa€? into catagories. Just like a€?Kitty,a€? we humans try to make sense of our environment about what is safe and what isn’t safe and might hurt us. A Of course, not all children who were abused or neglected become abusers or neglecters of their own children in turn any more than all children who are sexually abused by adults become pedophiles themselves, but some percentage in each category do become like the people who abused them. A Some families seem to produce more alcoholics than others, some more drug users, some more violent, and some cultures seem to produce more violence and lawlessness (by western standards at least) than others. Stereotypes grow from our minds trying to put people and things into broad categories and yet, somehow, we must make sense out of our universe, otherwise we would be on HYPER ALERT AT ALL TIMES, continually stressed and fearful.
A Many victims of male offenders tend to lump a€?all mena€? into to one a€?groupa€? that can’t be trusted, or vice versa with men who were victimized by women.
A The truth is though, that people of all colors, all nationalities, all occupations, and all groups of whatever kind, have predators among their numbers. A In order to keep ourselves safe, on a personal level, though, without being in a hyper vigilant state, always in fear of attack, we must look at our own prejudices.
A Part of the problem with our thinking is that if one or two or more of a certain race , profession, or sex are known to us as abusive, irresponsible, etc we tend to lump all people of that group as predatory or dishonest .
A Frankly, I am prejudiced against REPEAT offenders of the laws, and ex convicts in general , as well as people who lie, manipulate, are irresponsible, or offensive to the laws of God and man in general. As for Lawyers and used car salesmen, I’m cautious of doing business with them, or with anyone for that matter. A Our culture’s idea that a€?there is good in everyonea€? I think is because of good people trying to feel safe in an unsafe world. A As much as we would like to believe that a€?there is good in everyonea€? that just is not true. Our fear of abuse or more abuse may beA  reinforced when someone elseA  of that group does something bad, we then label the entire group as bad and not to be trusted, which is usually not true.
Joyce, I have learned a great number of things about my former personal prejudices, and flawed perceptions. So, trusting someone until they give me a reason NOT to (as I once did) is now off the agenda.
Today, I recognize and acknowledge certain mannerisms and behaviors as wholly toxic and move away from people who present them, without anger, disappointment, or any other negative emotion.
Maybe not ALL foxes would kill and eat a rabbit, but it is a good idea for the rabbit not to be too friendly to ANY fox. Enter your email address to subscribe to this blog and receive notifications of new posts by email. Used car salesmen are generally portrayed in the media as sleazy, greasy guys in too-tight polyester suits that are trying to take you for a ride — and not just in that lemon sitting on the lot.
Lancaster exposes some of the more dastardly car-buying schemes in the following four tactics — and some advice about combatting them. Lancaster continues, "The manager comes over, apologizes, then explains how the customer wanted a price that wasn't realistic (or a car that isn't available), that $XX is the very best price there is, offers to throw in a freebie, and makes the deal.
The problem with this scenario, as Lancaster points out, is that the buyer no longer trusts the salesperson, which means that they'll never come back to them again. To flip this tactic on its head altogether, round up a few prices on comparable cars from area dealers and bring them to the table with each salesperson. What's a dealership manager to do when he wants to move a vehicle off the lot, but he's dealing with a buyer who won't agree to make a sufficient or realistic down payment or who has bad credit with no chance of getting a good finance rate?
The salesperson can tell the buyer whatever they want to hear about interest rates, have them sign paperwork and take delivery, then call them back in a week or so and tell them the terms have changed. People usually show their new car off to friends and family, often the day they get it or the day after. Don't sign a bailment agreement, at least not one that specifies payment of a penalty for miles driven and days of use. As you may know, dealers can make a percentage of a vehicle's interest rate if they can mark it up. Prior damage to a vehicle will almost certainly play a part in your decision to buy a particular used car. So what can you do to at least try to get the most up-to-date, complete, and accurate information about the vehicle?
If you choose to go this route, there are mobile used car inspection services in most medium-sized cities.
In addition to revealing these trickster tactics, Lancaster also has advice for car buyers, so you can walk into the dealership knowledgeable and (hopefully) maintain the upper hand. Arrange financing at the local credit union then ask the dealer if they can beat that rate. The article advises consumers to do business with a "reputable franchise" as one of the tips to buying a car. Also, I have bought many new cars in my life and I have never seen a serious buyer exposed to "the scream".
I have been searching for a new (used) car for almost two months with nothing to show for it. This morning (Saturday) I go to the dealership as arranged at 8:30 am to pick up the car for inspection.
Specific to the fees, I tell him that Im astounded at their 500 doc fee and that while I know CT doesn't place a cap on documentation fees, they are charging far higher than the state average (by nearly 200 dollars). Finally I told him straight up that all of these tactics may work with other buyers but Im an educated consumer.
Best part is, I walk out of the dealership and my car was BLOCKED IN by one of the dealer cars. I am a salesmen and what I can tell you is we do not make money until the vehicle is over the curb. Hello - I don't know why Emily introduced the issue of salesperson compensation to her criticism. Also, considering how long it is taking you to buy, I suspect you are doing something wrong, though I am not sure what.
Securing your financing before you get to the dealership isn't any different than financing at the dealership. The person at the credit union that writes up the loan marks up interest just as much as the car dealership does.
That claim of a credit union won't jack up your interest rate like a dealership will is probably my biggest peeve in the industry.
A month goes by as I return and test drive the cars, do research, and learn he has NO IDEA (he says) on the safety issue that his 2013's failed the IIHS crash test (many brands did too) so I decide on the 2015 models with more warranty left, and improved safety. Poor 62 yr old boy has never had anyone do that in 23 years, AFTER he wasted all my time alarming me on my credit..
Actually used car salesmen understand the inverse relation curves of depreciation & amortization in the auto markets, and the overall cost per mile of ownership, and you would do well to take their advice. To see our content at its best we recommend upgrading if you wish to continue using IE or using another browser such as Firefox, Safari or Google Chrome. As a nervous customer, she went to her local dealership, one of the brand’s biggest, in Kent. Protecting us from accidents, nurturing us emotionally and physically, and when we cry they should come to us to reassure us that they are there to take care of us, thus giving the child a sense of being loved, cared for and heard. Some religions loudly condemn the lives of others as sinful, hateful and degenerate, while other religious groups embrace these same people and warmly welcome them to the pews of Currently, the world is viewing on news shows and in newspapers, Muslim factions fighting and killing each other and fighting their governments and the US presence, giving the world a a€?stereotypea€? of ALL Muslims in general as evil suicide bombers. By then I had stopped and stood very still, and the birds stopped their squawking, so he went back to grazing, but not panicked, but simply wary and keeping an eye and ear out for predators. But also true is that many offenders in the a€?higher levelsa€? of society such as politics, military, and other professions where there is power, seem to have a higher level of those whose consciences are low or missing entirely.A  Predators love power and control.



I’m like the little rabbit, I try not to get in a position where there is no escape, and no way to not have a bolt hole in which to hide. There are those who have no conscience or desire to do right, who will use and abuse anyone that they can trick by using the processes of a€?the love bomba€? or the a€?pity ploya€? to hook that vulnerable person into not watching or seeing what their real intention is. We need to learn to watch for the signs that someone is a€?love bombinga€? us and become wary of that individual. So being aware of our own prejudices, whether it is against people of other races, or against one sex or the other, or against people of another religion, or people without a religion, we must not let it keep us from realizing that we are dealing with (in general) INDIVIDUAL offenders, regardless of what group they belong to. According to Jason, "The mission of the site is to give consumers advice that's 100% true.
The gist of it is that the buyer wants a certain car or a certain price that the dealer doesn't have or can't match.
Angry that they came back to a dealer that isn't willing to give them what they want when it was suggested that they would, the buyer, in theory, takes their frustration out on the salesperson — or the bad cop, if you will. If the salesperson doesn't want to be competitive, and you don't feel like you're getting the best or fairest deal possible, walk.
Losing the car a week later would be embarrassing, so people will often pay more just to avoid that embarrassment. The vehicle could be a 'lemon' (manufacturer buy-back), it could have suffered damage while on the dealership's lot, it could have substantial body damage — and the dealership doesn't have to say a word about it.
The answer here isn't the most appealing, but it's sort of a better-safe-than-sorry situation.
If you live in a small town, you can take your car to the nearest independent mechanic and ask them to look it over. New car dealers are carefully monitored by state authorities and the automakers they represent, so they're very careful. Outside of a credit union, most of the larger banks have some sort of auto finance program, and most of the popular car sites have a partnership with finance companies. Yet the author uses a man named "Jason Lancaster" as its source who worked at an "upstanding dealership".
There are many people who simply go to dealerships and ask for a rediculous price then leave when they are told that deal doesn't exist or that car is not available. The car buying experience today, for most buyers who have pre-arranged financing, is a stress-free experience. I've spent a couple hundred dollars having various vehicles inspected only to be disappointed (though I recognize in the long run that I'm better off getting this third party inspection). Not only do they literally have me backed into a corner, flanked on either side in close proximity by larger, older men, but, one is raising his voice at me accusing me of costing him money while the other is sitting silently in front of me nodding along.
He admitted that he realized that the moment he saw me walk in with a folder in my hands that day (maybe that explains the sudden shift in treatment and disposition).
So add up all of the hours that this salesmen spent with you going over "specs" listening to you talk about " the right price" which gets really old to hear. First of all the dealership should have NEVER agreed to tie up a car with out the price being settled. Walk into the dealership and present the offer from your credit union and see if the dealership can beat it. I ask the CU HOW, they say since dealer 'does the paperwork' they will agree to HIS 1.9 if I sign the contract. I read the chart that shows I CAN pay off a 60 mo loan in 3 yrs, but dealer gets the extra $220+ of my interest loaded up front during that time) of course he tells me to do it that way..go 60 then pay off when I want, clever!
For the first half hour, on the forecourt, looking hopefully at cars, she was ignored by salesmen, who pounced on a couple in their 30s who turned up in an old Audi A4. Of course we know that stereotypes do not hold for every or even the majority of the members of a group about whom it is bandied about. Instead, inform the salesperson that you're looking for a car, and you want to find the best price possible, so you're keeping your options open by visiting other dealerships. Unfortunately there's no easy way to find this out — and it's not entirely the fault of the salesman or dealer.
You'd have to be pretty gullible to come back and believe that that the car is now available at your price. The internet has provided educational tools for the buyer, and car buying services can do most of the up front negotiating and the purchase. The first car that I found that I liked enough to purchase was located in NY but the dealership is part of an auto group with a branch 30 min away from me. I take a quick look at a jeep, snap some pictures, talk some specs, and tell him ill return tomorrow. He made a couple of notes and provided an estimate of the cost of repairs- nothing super major. There were parking spots just a couple of spots away, it was by no means over crowded in the lot. Why would I want to take a car off the market for three days with no commitment on your part? Dealerships use multiple banks, and some rates are simply different than others that the banks themselves offer.
The person at the credit union also gets paid a finance reserve in the exact same amount that the dealership gets. Not all whites are racist, not all blacks are dumb, not all Jewish people are tight fisted, not all Irish are drunks, not all policemen are on the take or are brutal, not all politicians are crooks, etc.
One of the first ones is a€?how does mommy and daddy feel about this kind of person?a€? I have noticed that even cattle and their calves use this same method. The early needs for attention and love are not met for the child, later leaving an adult with a€?issuesa€? related to early deprivations. Not worrying about yesterday or worrying about tomorrow, but observing and acting on what was happening. That would leave us open for abuse from a woman because we would not be reasonably cautious with her because she was not a man. CAUTION against attack is always a good thing, whether we are a rabbit or a human, there ARE predators out there, and we don’t know what they look like so we must be OBSERVANT of their behavior before we let them come too close to us. If they want your business, they'll work with you to find the most reasonable deal for the dealership and for you.
From personal experience, I can tell you that my husband has done this in the past, and it's always resulted in a smoother negotiation. My wife and I own a small used car lot and take exception at "Jason Lancaster's" take on things. I return the next day and take the car for a test drive and place a deposit down on the vehicle and arrange for my mechanic to inspect it. Again, he was speaking so fast I was having trouble following along but I do catch that he's talking about a significantly longer term than I had intended. I asked him to please show me an invoice or an itemization of the costs of the safety inspection and car preps that would amount to the hundreds of dollars they were charging. What if someone came in and wanted to buy it and I couldn't sell it because you plunked down a few refundable bucks? Think about it for a few seconds - how does the loan officer at a credit union make money if they don't get money for writing loans? But all these stereotypes ARE based on someone seeing at least one person who was in those groups behave in that manner. Sometimes these needs to be loved are met by not having boundaries around people, even abusive people. As a rabbit, with few defenses except to run and hide, he knew that his life depended on being able to find food and to running if a predator was near and hiding in a thick pile of brush that a predator couldn’t penetrate. To make our boundaries clear and respect those boundaries ourselves by eliminating anyone who does not respect them as well. Beside stating the obvious, he seems to take shots at what he perceives to be low hanging fruit. I remind him I had outside financing but he says he knows he can beat their rate because he has a special relationship with this lender.


I didn't have a limit necessarily but Im smarter than to allow myself to knowingly walk out upside down on a loan by financing more than the car is worth. Break down the time spend verse the money made he is probably below minimum wage and you still aren't ready to sign. It's literally no advantage to getting financing from whatever institute unless the dealership can't get a better call from a bank. There I was told that I needed to put down a 500 dollar deposit to hold and transfer the vehicle.
If I hadn't known already that they weren't being transparent I was painfully aware of it then.
I feel its important for me to note that I was prepared to put 5000 cash as a down payment (no trade in). When you walk in to a dealership they are working in the now and you are 3 days out from buying.
Actually, the best way to buy a used car is to research the vehicle you want to buy as far as price, drive to the lot, let the salesperson know you are not there to waste his or her time, and tell them the price you will pay pending a mechanics inspection.
After assuring that I had written documentation that my deposit was fully refundable dependent on inspection, I happily obliged.
He then introduces me to another employee who I didn't realize at first was the F&I manager. The salesman asks to make a copy of my inspection report and says they are going to have their mechanics go over everything.
I ask him how he can even offer me such low interest rates without running my credit, he says its based on the car not on my credit. I just felt really sad and disappointed because I had allowed myself to think that the salesman WANTED to sell me the car and badly as I WANTED to buy it. I told him that Im fully aware of the fact that they arrange lower APRs with lenders and then collect a FINANCE RESERVE on a low interest rate by raising it by X number of percentage points before I sign off on it. I have good credit and a steady job working for the only free standing children's medical center in the state of Connecticut.
Suddenly I find myself sitting in front of this guy who's talking to me about interest rates and financing. I told him that even if he could beat my rate, I wasn't going to fall for that because they'd still be making a lot of money on the inflated value and on the back end financing. I am incredibly educated and simply enough able to do my research before signing my name to anything! We do not have a "lay away" section because you are then taking money out of his co-workers pockets.
I tell him I don't want to talk about financing before I've even had the vehicle inspected. I tell him I'm disappointed but that I am not emotionally invested in the car and am going to choose to walk away. When they have a customer that is ready to sign right now and you are blowing smoke about 3 days from then.
I do let him know that regardless I have outside financing but at this point this whole conversation is moot because I haven't gotten the okay from my mechanic yet and haven't even had a chance to talk numbers with the salesman.
Then the General Manager sits down with me and goes over the mechanic notes and the corrections they made. By that point I had three different sheets filled with APRs and term lengths and monthly payments etc etc etc with notes scribbled all over them.
However, I feel truly that I was treated the way I was because I am young (early 20s) and female and attempting to make a purchase on my own. When you purchase anything try to put your self in the salemans shoes or real estate agent or financial advisor. And you can bet they'll either be ignoring, or patronising, the female contingent looking to spend a serious amount of cash.
Ten minutes later I receive a phone call from a different salesperson who informs me that SOMEONE ELSE has placed a hold on the car and if that person chooses not to buy it, they will have the car xfered to me. I let them know everything sounds good and tell him I'd like to speak with the salesman I was working with to try to work out a price. The call then "disconnects" (??) and when I tried to call back for an explanation I was put on hold for 3 min and again the call "disconnected." At that point it was late so I decided to go to the dealership in person the following day.
I tell him to give me a call if he decides he's actually willing to be fair and negotiate (I'm not expecting a call).
Suddenly the F&I manager comes in and sits down NEXT TO ME at the desk so close so that I actually got up and pulled my chair away from him.
The F&I manager told me I needed to make a decision because they wanted to put the car back out on the lot. At that point the salesman admits that it was put on hold for an EMPLOYEE for purchase at the other branch. She had just retired and got rid of her company car, so wasn’t used to the car-purchasing experience. The Good Housekeeping survey found 66 per cent of 2,600 women thought dealers should be more female-friendly.
My salesman who until this point had been extremely personable and friendly and accommodating was surprisingly silent. I realized that even though I prepared myself and educated myself, they were still trying to strong arm me and manipulate me. I go back in and my original salesman sits down with me and tries to make small talk about the weather.
NOW he has something to say but when I was getting verbally berated by the F&I manager he was mute. He puts down a sheet of paper with numbers and interest rates and charges and I ask him politely to take things one at a time. I tell him that Im sorry if he feels that I have waisted his time but that I am happy to buy right now on the spot if I can wrap my head around the numbers but unfortunately the numbers aren't adding up to me.
THANK GOODNESS I had prepared enough to eventually recognize what was happening and to walk away. Unfortunately, I still have no car and am out hundreds in mechanics fees (over these last few months of car shopping) but I saved myself thousands in interest and suspicious charges by walking away from this deal.
Needless to say I was surprised but I simply responded by asking him to please explain to me how he came to his valuation of the vehicle.
This Korean brand, big in the UK with 82,000 sales a year, has followed in the steps of smaller, more flexible and progressive brands such as Tesla, by introducing a metro store in a shopping centre.
At that point I pull out from my folder valuations from Black book, Clear book, Edmunds, and the KBB valuation that the salesman had given me originally (which I knew was inflated). He began speaking loudly and very quickly, gesticulating with his hands in a very aggressive manner. He tells me he paid 9000 on trade in for the car and put 800 of work and then marked it up by over a grand. Again I asked him to justify his 9000 valuation on the trade-in which was significantly higher than the Black Book. He then says that I wasted their time and that if money had been a concern I should have spoken to them about it days ago.
I repeat that I did not see the point in negotiating a price before my mechanic gave the okay on the vehicle but that I have been very prompt with them and have not been leading them on. I tell him again that I am ready to purchase the vehicle but I want to pay for a fair valuation.
He tells me that not only did I waste his time but I wasted my money on a mechanic (because the car is in perfect condition he claims) and that I wasted his money because he needed to have his mechanics reinspect it. I am entitled to have a third party mechanic inspect it and if their team needs to go back in and fix a few things then that charge is his to eat (NOT MY FAULT).



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