I can’t write enough about this subject, but I believe this is a very important subject for the future car buyer. OK, your credit scores suck! I deal with this on a daily basis with customers and it really never gets any easier. If your FICO scores are in the pits, it is difficult to obtain a loan with affordable interest rates. There is help out there for all of you in this scenario. I offer here on this page a company to go to for your best deal possible. Click on Credit Solutions and let them take care of you! I have checked these people out and they are good at what they do!

 Don’t let those lending institutions out their waiting for you, to take advantage of you. There really are alternatives that are in your favor.

 Would it surprise you to know, that 72% of Americans FICO credit scores are 600 or below? This is just reality and the percentage is growing daily with the economy the way it is. Don’t despair, there are lenders out there that realize what needs to be done to kick start this economy. Just because you may have fallen on hard times should not crucify you now or 7 years from now. SHIT HAPPENS!

 If you find yourself in this consumer category, do not despair. I will say, “BE WISE AND INVESTIGATE, BEFORE INVESTING”!

 FYI: Let’s say you find yourself in this predicament. You are back on the road to recovery and find you need a new car. Obtain a loan at the best interest rate available at the time. Depending on your payment history, it is possible to refinance your car loan after 1 to 2 years of payments to the initial loan and receive a better interest rate. There is never an early payoff penalty with a car loan. A car loan, being paid on time and paid off, helps raise your credit scores unbelievably.

 Before negotiating your car deal, you need a well planned and rehearsed game plan. First, decide the vehicle you want to purchase and stick to your decision. To do this, you have to do your research and it always helps to make a list with positives and negatives for that particular model. A researched and decided buyer, makes for a better negotiator.

 When you begin negotiating, do it in stages. You never want to play all your cards at one time. Always hold on to your last ACE to the very end. During the entire process, be friendly but also be firm. With a game plan you always know where you are going, but the sales person doesn’t. Be prepared to give a little here and there. This is so important when negotiating anything. It usually works out that when you give a little, you will always receive a little in return.

 Through your research you will already have an idea of the price your vehicle is selling for and also a good idea of what final price goal you are attempting to achieve. Remember the final price of your vehicle will include tax, title and license. This amount will depend on the final selling price and the particular state you reside. A good rule of thumb, you can figure somewhere around $2,000.00 to $4,000.00 added to your final sale price.

 To view all the steps to negotiations, please go to Categories Section and click on Step by Step Negotiation Guide.

 You know, this is my page and I certainly feel I can write and publish anything I want to. Now, whether you read it or not, is up to you and I’m sitting here thinking, should I keep it auto related, but I just can’t!

 I’m my own marketing manager and so far have done this completely for free. If I would have spent mega dollars, you may have found my page earlier, but I could not afford the expense. If you’re thinking about getting into internet business, please reconsider. This has become such a cut throat business and there are sooo many people out there just waiting and wanting to take advantage of us. It’s almost like car sales, but I believe on a new and larger scale! At least at a dealership we can look into the other person’s face and eyes. The EYES tell all!

 My promise to each and every follower is to never ask for a penny for the information contained on this web page and every ad on this page can be trusted for your benefit and not just your hard earned dollar. I apologize for venting, but I just get sick and tired of these stupid market campaigns and sales pitches.

 You’ve heard it. Hurry out to [dealership’s name] for our [car model name] SUPER CLEARANCE SALE!!! If the ad is on the radio it can go for $1000 to $5000, for a 30 second spot. If the commercial is on local T.V., the price goes for $2000 to $10,000 for 30 second spot. If the add is on national T.V., I’m not even going to speculate the cost. Automobile advertising costs are passed on to the consumer the same way DRUG advertising costs are passed on to each and every one of us.

 Come on, clearance sale in July? Why are you trying to clear out your inventory 2 to 3 months prior to the arrival of new models? Do you see the “Bullshit? The money spent by the dealerships for this type of advertising actually cost you in the long run. It’s like a RED TAG sale. No matter what price is marked on the vehicle, a profit is still figured into the deal and that price on the Red Tag is non-negotiable.

 Don’t get me wrong; a dealership has to make profit to keep the doors open. The sales extravaganzas are for nothing else, than to get YOU to come out to the dealership. PERIOD! This is the worst time to negotiate your car deal.

 Let those that don’t follow www.askthecarbuyguy to go out and spend their money. We’re smarter than that!!!!

 NO! If you are a serious buyer, never use the quote, unquote “Holiday Sales Event” to make your purchase!!! Dealerships use a holiday just like everyone else in retail marketing. Unfortunately, they know their sales are going to be good during this time and “great deals” are not going to be obtained. I’m going to drop a bomb and say that dealerships offer sales people bonuses during this sales event. If you happen to be the lotto winner and have that “sales person”, then a great deal can be had. If not; then you will lose. I call it the LOTTO BUYER, because it’s just a game of chance.

 Don’t be fooled by this sales gimmick! Let others deal with this sales event and not you, the researched, intelligent buyer.

 Follow  “ CAR BUYING MYTH’S” in the “CATAGORIES” section of this web page. I hope some will be true eye openers.

Looking to the internet for answers has become nothing short of stupid. I get so tired of the hook and reel in syndrome. I have a question and find something that looks promising to have the answer and all of a sudden, I’m asked for money to get the final answer. This is why I started www.askthecarbuyguy !

 I attempt to provide answers to your car buying questions and never have I or will I ask for a bloody dime. I do hope you take a second to look at “Your Market Place”, before leaving the page and feel free to return at your leisure. Every ad I run in this section has been researched personally and I endorse each and every one of the products offered.

 Since putting this page on the net, I have done research to find others out there providing the same product. Yes, I’m checking out my competition. I have found articles written by car mechanics, car salesmen, and pissed off car sales managers. Some of the articles and pages out there are written by people of unknown credentials. The one thing I notice is their pages sit dormant without any new information being added, but if you want new stuff you have to purchase their e-book, video or other gimmicks. I have actually seen info pages written by actual car dealerships, giving YOU tips on how to buy your next car. Now how funny is this!

 I have designed www.askthecarbuyguy.com to be your one stop source to use before, during and after your car buying process. Let’s face it; just because you’ve purchased your car, your adventure is not over. Responsible ownership of your automobile is next and an ongoing process.

 When you link to this page, you will be kept up on what’s happening in the auto industry. The information will be fresh and up to date and added almost daily. The most important thing is it’s FREE!

 I really am a real person and if you would like to receive a personal answer to any question, feel free to email me and I will get back to you within 24 hours. Your input is always welcome.

 When the weather was bad, I hated going to work. We would have a sales meeting, trying to pump everyone up, but it was what it was. You as the consumer should use bad weather days in your favor. Very few people are going to go to a dealership and buy a car in the rain or snow! What a great time to take your test drive. Most cars drive like a dream in perfect weather, but throw down rain or snow and the driving characteristics of any vehicle changes drastically.

 Be prepared when pulling up to the dealership; you will be swarmed by several hungry sales people. If no one comes out to greet you, start looking at vehicles on the lot and the salesman that greets you will be the one you want to deal with because he or she is hungry for the sale.

 Don’t forget, people who come out on rainy/snowy days are known to be buyers and you are there to use this to your advantage and not be taken advantage of. Be ever vigilant! The cards really are in your favor!

 MORE TO COME!

This is totally new in the car sales department. This concept had to have been conceived during a drug induced brain storming session of the new era sales marketing guru’s. Let’s see if I understand this exactly. I purchase an automobile and from date of purchase I have 60 days to decide whether I want to keep said vehicle? If NO is the answer, then all I have to do is return the vehicle?

 “BULLSHIT”

Read the fine print at the bottom of the page or listen closely to what the adman says at the end of the commercial. If the 60 day option is chosen, the buyer “will not” be eligible for the special finance rates being offered and will not receive the special dealer incentive cash being offered. I’m not sure what else is given up to take this offer, but I am doing further investigation. Oh, it’s only offered on certain vehicles and you have to qualify for this sales incentive!

 In my estimation, this is the most ridiculous sales ploy I have seen in numerous years. Trust me when I say, “no dealership wants a customer to bring a car back”. I swear there is much more to this story and I will get to the bottom of it.

 I’m going to go ahead and just say it! There are two (2) lies that people will tell you. First, how MUCH they paid for their new home and second, how LITTLE they paid for their new car. I don’t know why we feel we have to lie about the price paid for either item, but it is done all the time. Family members to other family members, best friends to best friends and so on and so forth.

 I once had a customer tell me the price his father paid for the same exact vehicle he wanted to purchase and I could not come close to that price. First, I made sure the father had recently purchased said vehicle and also that it was purchased within the same market area. I knew the price being told to me was not true, so I asked my customer to ask Dad to review his contract. The customer called me later and said he would be in that evening to wrap up the deal. Upon review of his Dad’s contract, the price Dad quoted was only the sale price of the vehicle and he did not include TT&L, which made Dad’s drive out price $2,350.00 more than the total price he told his son he bought the car for!!!!!!! This is the deception! People will quote the sale price of their vehicle and not the total drive out price. Sale price is sale price and drive out price is drive out price. Only one in ten people will quote drive out price when discussing what they paid for a vehicle!

 If you do your research prior to purchasing your new vehicle, I promise you will make a great deal, I don’t care what your brother says he paid for his!

 Again this is not a myth in the car buying business. Dealerships and sales people both have monthly sales goals set into place. Believe me when I say, “These Goals Must Be Met”.  The dealership’s goals are set forth by either the Owner, General Sales Manager or both. Depending on geographical area this figure can be anywhere from 20 sales per month to 200 sales per month. The goal for most sales people is however many units it takes to pay their bills.

 Let’s say at the end of any given month neither has met their sales quota. BOOM! You’re now in the negotiating driver’s seat, so to speak. You know you are a buyer! Make them sell to you! Does your deal make a salesman’s month? Does your deal make a dealership’s month? It could very well do both, but you need to be aware of these situations. If your sales person needs the sale for the month, they will work the sales desk hard to make your numbers work.

 It’s a win, win situation for everyone involved. I’m not going to say this method works every time, but odds are definitely in your favor! Waiting until the end of the month to purchase is not a myth.

 More Myths to Come!