logdog wrote: I just want to see if I can turn this into a 6 pager.
Success!!!
logdog wrote: I just want to see if I can turn this into a 6 pager.
Success!!!
wbjones wrote:z31maniac wrote:but you're not going to give that 2.99% to the majority of your customers ... where as the bank will ... you ( the dealership ) is out to make money ... I have zero problem with that .... that's why you're in business.... so you're going to try to make money on each and every transaction ... which includes the % you getting on each loan/car purchase ..wbjones wrote:I don't think you are understanding, let me better explain. Let's say you want to use Bank of WBJones. For people with great credit and a strong income, you will get 2.99% if you apply directly with the bank. If my dealership uses Bank of WBJones, I'll also get the SAME 2.99% while paying less for the car..........the only person who makes less is Bank of WBJones. Is that more clear?z31maniac wrote:no where near enough to make up for the amt of interest they're going to get ... unless you qualify for any of the super deal % ratesDuke wrote: They can get a handle on it... what they want is their cut of the interest they share with the lender when the dealer arranges the financing.That's fine, if you use a public credit union or bank, you are going to get the same rate, but tell the dealership you'll let them do the financing and the price will come down a bit more.
This is exactly how I purchased all 3 of my cars. Got the same rate from the dealership as I would have from my credit union of choice.
Is the dealership going to give that to all customers? I don't know and honestly don't care, because I know when I want to buy a car that's how I do it. (Notice I did mention good credit and income being a requirement)
Many people get to caught up in the idea of buying a new car that will take any terms given to them just so they can get it off the lot. I'm not that person.
Each time, I've filled out the credit app for them, let them pull it and see my income/score and tell them I know what the interest should be, if you try to give me something different, I will work with another dealership.
Wow I tried to read all 6 pages, that was rough. I/we have one car note. It's on SWMBO's Civic, yes I financed a 5k car but it was the car she wanted and she makes the payment. The idea is to have one good car in the family. I drive crap old cars as my weekend transport and am provided with a truck by work so I have no need to the newest and the best for myself. but when it comes time for us to start a family you better believe she and the kids will be rolling in the most reliable best I can afford. I am willing to drive 20-30yr old beaters if that is what it takes to swing a good newer car for them. 
Apparently, a 4 day diet of nothing but mucus and toast yields the most foul, disgusting, paint-peeler of a turd you could possibly imagine.
Um, no. 3 big cups of coffee, a strawberry and an apple cinnamon Nutri Grain bar, sausage, hash browns, scrambled eggs with Texas Pete, then top it off with a Schlotzky's 'Regular', shake well and hold for ~3 hours. This means that when the protagonist gets home the cat will walk into the bathroom, lay his ears back, squint and then run.
logdog wrote:Anti-stance wrote: In reply to logdog:This thread had taught me that no matter what, we can all find something to argue about.
No we can't. 
DaveEstey wrote:logdog wrote:No we can't.Anti-stance wrote: In reply to logdog:This thread had taught me that no matter what, we can all find something to argue about.
This isn't an argument. It is a contradiction.
If you want an argument, that's the next door down.
Curmudgeon wrote: Um, no. 3 big cups of coffee, a strawberry and an apple cinnamon Nutri Grain bar, sausage, hash browns, scrambled eggs with Texas Pete, then top it off with a Schlotzky's 'Regular', shake well and hold for ~3 hours. This means that when the protagonist gets home the cat will walk into the bathroom, lay his ears back, squint and then run.
5 min later and I'm still laughing
wbjones wrote:Curmudgeon wrote: Um, no. 3 big cups of coffee, a strawberry and an apple cinnamon Nutri Grain bar, sausage, hash browns, scrambled eggs with Texas Pete, then top it off with a Schlotzky's 'Regular', shake well and hold for ~3 hours. This means that when the protagonist gets home the cat will walk into the bathroom, lay his ears back, squint and then run.5 min later and I'm still laughing
+1 my wife is asking me what's so Damn funny.
It's not a good idea to get in the race car after me.
My old assistant manager and I had the conversation one morning, that if you're shaking your head like a bee is buzzing you, it qualifies as foul.
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