How To Buy A Car

As you may have figured out, I’m a rather private person when it comes to me. I also tend to keep my blogging and Tweeting separate from Work Life. That said, you may know that I’ve been selling cars for over 4 years now, after having been in wireless from 1994-2010. And I did selling before that, too. Why am I bringing this up? Many customers ask me “what is the best way to buy a vehicle?”

Good question, and there are lots of answers. Most sites on the web tend to focus on “how to negotiate the deal”. Some people love negotiating, some hate it. Some prefer no haggle places. And so many seem to despise car dealerships. And the sales consultants.

Why? Starting out, there are many types of salespeople, just like there are many different types of customers. The two predominate ones are those who “are there to sell you a car” and those who “are there to help you buy a car”. Most of the bigger, more reputable companies teach consultants to be the latter (this applies in other sales areas, too). A modern sales consultant has to realize three things. First, the customer is the one with the money. This isn’t the 1980’s and earlier. Second, there are lots of places to go buy a car, including dealerships that sell the same car. Third, a consultant has to part advocate for the customer, part for themselves, and part for the dealership. They must find a win-win situation.

A “sell you a car” rep thinks about this sale. A “help you buy” rep thinks about all the sales you will send them in referrals, along with you, the consumer, coming back. They know that you, the consumer, can frag them on various social media platforms, or help send them business on the same platforms. If I work for you, you buy, and are happy, and send me more sales. You buy, and put money in my pocket, and then more money from others. I also have to think about selling you more during initial interaction. Hey, you would do the same. Always remember that.

Now, there lots of advice I can give on buying a car, and maybe I will get to some of the others in the future, but the main advice I give people is to know the answers to 3 questions that a good auto consultant will ask right from the get go (to go with other probing questions on needs, wants, must haves, like to haves, style, et (these are Discovery questions) and questions about you (Connecting)

  1. What is your price range?
  2. What is your monthly budget
  3. How’s your credit?

Now, when I ask those questions, I tone them down a bit, make them a bit friendlier and less judgmental, but that is what they come down to. And they Freaking Important. How can you possibly look to purchase something like a car, house, boat, motorcycle, etc, if you do not know the answers?

If you answer #1 with $20000, and the 2nd with $200 a month, do you have roughly $10000 for a down-payment? Figure, on a base average, $100 for every $5000 financed. Taxes and fees must be calculated in.

If you talk to a real estate agent, and do not know the answer to those questions, do you think they are going to spend any time showing you homes? Not likely. They won’t spend even one day driving you around. They might probe a bit. But, if you do not know, they are going to consider you to be Not Serious.

Well, most good auto consultants will follow the thought that “everyone is going to buy at some point”, along with “don’t prejudge” (I love when folks come in dressed down in an attempt to get sales people to think they aren’t actually interested. Money, baby!) But, if you cannot answer those questions, they will, unfortunately, start thinking you aren’t serious and you’re wasting their time. On a slow day, hey, OK. On a busy day? Forget it.

But, here’s what a good rep will also do: probe. I’ll ask a question such as “OK, so how does $600 sound?” “Too much? $500?” We can try and pin it down. If you really still don’t know, then why are you looking? If you go purchase a TV, tablet, stereo, smartphone, computer, heck, a pair of pants, I bet you know your budget. If you’re talking about thousands to tens of thousands of dollars, and having a monthly payment, you best know your budget.

The problem with all those questions, though, is that this so often creates and adversarial interaction. Which creates a reason (well, one of them) why many hate car buying. Seriously. Look, you’re buying a motor vehicle! You’re going to spend lots of money, and usually have a monthly payment, for something that, on average, you will spend an hour and a half per day in. My goodness, on most days I spend no more than an hour in my car. This should be a fun, enjoyable, rewarding experience. It shouldn’t be tedious, terrible, awful, etc.

Now, some of those negatives can certainly be blamed on bad consultants and bad companies. But, good ones can make the process enjoyable. Or, at least as enjoyable as can be possible, with Americans programed to hate the process.

So, have the answers to the questions, especially #2, and know your maximum. And don’t lowball it. Why would I show you a $30000 car when you told me $300? Sometimes it works out, for various reasons. Mostly, no. Don’t be afraid to say “I don’t really know” on the credit question, but be upfront and willing to have your credit pulled. It’s rather important to see what the finance companies are willing to do, and early. It makes things easier on you.

You’ll also want to know the answer to the question “if you are going to buy the car today, what kind of down-payment can you pay today?” Be as upfront as possible on what you are looking for. That openness will eliminate the adversarial attitudes that crop up, and have the sales consultant doing all they can for you. They’ll work their behind’s off for you. If you throw up roadblocks and red flags, there comes a time when the phrase “diminishing returns” appears in the reps head, and they start looking to move on to someone who could provide money to feed the reps family.

And, if the rep is one of those “sell you a car” ones, walk away. End it. YOU have the money. Get a different rep, or seek a different dealership. Do not be Sold. Do you know how many times I’ve heard “I can believe I bought this vehicle”?

Read: How To Buy A Car »

If All You See…

…is wonderful beach from the 60’s that probably no longer exists because of extreme sea rise, you might just be a Warmist

The blog of the day is protein wisdom, with a post on ball and chain government.

It’s 60’s week!

Read: If All You See… »

Sorta Blogless Sunday Pinup

Patriotic Pinup

Happy Sunday! Another gorgeous day to be an American. Though, a bit of frozen rain for me. A good day to have off. This pinup is by Romain Hugault, not help necessary.

What is happening in Ye Olde Blogosphere? The Fine 15

  1. Right Wing News notes that the Jezebel hit piece on Scott Walker has been retracted
  2. Shot In The Dark wonders about the Cell Phone Neutrality Act Of 1987
  3. The Last Refuge has a Smidgen Alert
  4. The Other McCain notices an unfortunate metaphor alert
  5. The People’s Cube covers the Working Classes Prosperity Project
  6. Independent Sentinel wonders about a “country within a country”
  7. Black And Right notes ending slavery with a selfie
  8. Bookworm Room discusses the Party Of Poop
  9. Capitalism Is Freedom notes how wonderful Canada’s nationalized health system is
  10. Common Cents discusses the ISIS/Shades Of Grey SNL commercial
  11. DaTechGuy notes ISIS executing a gay man and the Left’s collective yawn
  12. Fausta has part 2 of Venezuela criminalizing dissent
  13. Fire Andrea Mitchell notes the Brits used torture to stop an Islamist bomb plot
  14. Flopping Aces hopes you dumbass liberals remember you voted for this
  15. And last, but not least, House Of Eratosthenes covers the cancer of multiculturalism

As always, the full set of pinups can be seen in the Patriotic Pinup category, or over at my Gallery page. While we are on pinups, since it is that time of year, have you gotten your “Pinups for Vets” calendar yet? And don’t forget to check out what I declare to be our War on Women Rule 5 and linky luv posts and things that interest me

Don’t forget to check out all the other great material all the linked blogs have!

Anyone else have a link or hotty-fest going on? Let me know so I can add you to the list. (BTW, since someone asked, the reason I leave links for the previous week up (or you might see a *) is because they are place holders for later in the day or for next weeks. Easier than rewriting all the time. Also, the listing order has to do with how they are added over time, not how good a post is. I just copy and paste from the previous week, then edit. If you see one of the *’s, go ahead and check out the blog anyhow, see if there is an update. I cannot update with my Android during the day.

Read: Sorta Blogless Sunday Pinup »

Bummer: By Almost Every Measure, Things Are Looking Good For Polar Bears

Another “OMG, Doom!!!!” talking point/prognostication from the World Of Climatology has bitten the dust

Polar bear population bounces back despite climate change warning

Dr Susan Crockford said: “On almost every measure, things are looking good for polar bears.”

In a report for the climate sceptic Global Warming Policy Foundation, she said: “Scientists are finding that polar bears are well distributed throughout their range and adapting well to changes in sea ice.

“Health indicators are good and they are benefiting from abundant prey. It really is time for the doom and gloom about polar bears to stop.”

Dr Crockford, of the University of Victoria in British Columbia added: “Polar bears are still a conservation success story. With a global population almost certainly greater than 25,000, we can say for sure that there are more polar bears now than 40 years ago.

“The global estimate is too high to qualify the polar bear as ‘threatened’ with extinction.”

Whelp, there’s that WAG talking point thrown off the cliffs. We’ve been treated to a litany of doom regarding polar bears (which are more than happy to attack and kill humans) and “climate change” for quite some time, but especially since Al Gore included the so-called plight of the polar bear in his idiotic movie “An Inconvenient Truth“. Yet, we keep finding that the reality bears little resemblance to the truth.

Let’s be clear: this doesn’t mean that the Earth is not in a warm period, one in which Mankind plays a small part, mostly through agriculture, landfills, UHI (Urban Heat Island Effect), and land use. It simply means that life adapts. Like it always has. Because the Earth changes. Always has.

BTW

All 50 states of America will see snow this week as the nation is plunged into the coldest month for decades.
For the first time since 2010, meteorologists predict two snow storms barreling through the country in the next seven days will engulf Florida – a usually snow-less state.

It comes as cold weather records continue to fall across the country, with February declared the coldest month in New York for 81 years.

The average temperature in the Big Apple over the last four weeks has been 24F – 11 degrees below normal. New York joins other metropolitan areas such as Chicago and Pittsburgh, which have also experienced their most frigid February in decades.

As the mercury continues to plummet, ice breakers are being deployed by the US Coast Guard to create ferry and shipping lanes along the Hudson River in New York and the Delaware in Philadelphia.

According to The New York Times, it has not been this frigid in New York since February 1934.

And the snow heading towards Boston could break the cities all time record for the season. Obviously, Cultists will blame this on “climate change”. They already are blaming “extreme” winter storms on too much heat. Perhaps we need to change what the definition of insanity is.

Crossed at Right Wing News.

Read: Bummer: By Almost Every Measure, Things Are Looking Good For Polar Bears »

If All You See…

…is the desertification of the planet in places that aren’t flooding, you might just be a Warmist

The blog of the day is The Other McCain, with a post on feminists and witchcraft.

BTW, who wants to suggest a theme for next week?

Read: If All You See… »

Fighting Hotcoldwetdry Is Apparently A Moral Issue

Here’s one poll the Warmists should really, really like, since the majority of polls tend to go against the Warmists

(Reuters) A significant majority of Americans say combating climate change is a moral issue that obligates them – and world leaders – to reduce carbon emissions, a Reuters/IPSOS poll has found.

The poll of 2,827 Americans was conducted in February to measure the impact of moral language, including interventions by Pope Francis, on the climate change debate. In recent months, the pope has warned about the moral consequences of failing to act on rising global temperatures, which are expected to disproportionately affect the lives of the world’s poor.

The result of the poll suggests that appeals based on ethics could be key to shifting the debate over climate change in the United States, where those demanding action to reduce carbon emissions and those who resist it are often at loggerheads.

Well, sure, why not? They’ve been “spreading awareness” for 25+ years, and haven’t really gotten beyond “spreading awareness”.

Here’s where it gets really fun (you didn’t think I would post this without a reason, did you?)

Two-thirds of respondents (66 percent) said that world leaders are morally obligated to take action to reduce CO2 emissions. And 72 percent said they were “personally morally obligated” to do what they can in their daily lives to reduce emissions.

Huh. “Personally morally obligated”. So, when will Warmists take action within their own lives? When will they give up their own use of fossil fuels? When will they stop using DVRs, ice makers, hair dryers, washers and dryers, turn their AC up to 80 and their heat down to 55? When will they only buy local, grow their own food, live in tiny homes, and make sure that every device that plugs into an outlet is unplugged when not in use? Obviously, those are all rhetorical, because Warmists talk a good game, but that is all it is in their own world: talk.

Of course, these are the same people who do not see it as morally wrong to demand that other people be taxed heavily with that money being redistributed. To themselves. Nor do they see anything morally wrong with abortion on demand.

Read: Fighting Hotcoldwetdry Is Apparently A Moral Issue »

BCBS NC Posts First Loss In 15 Years, Blames Obamacare

Well, that’s strange, don’t you think? Of course, don’t cry any tears for BCBS or any other insurance companies that willfully, enthusiastically, and wholeheartedly embraced the Affordable Care Act

(Raleigh N&O) Blue Cross and Blue Shield, the state’s largest health insurer, said Friday that it posted its first financial loss in 15 years as a result of insuring high numbers of older and sicker people under the Patient Protection and Affordable Care Act.

The Chapel Hill organization signed up 257,704 people under the federal health care law, which requires insurers to provide coverage regardless of a customer’s health condition.

New enrollees last year swelled Blue Cross’s covered membership to 3.91 million people, and boosted revenue by 25 percent to an all-time high of $8 billion.

But steep medical claims – for hip and knee replacements, heart procedures, specialty drugs and other costs – drove up medical claims from $5 billion in 2013 to $6.4 billion in 2014. Blue Cross also paid $156 million in ACA-related fees, a new cost for the company.

As a result, Blue Cross posted a loss of $50.6 million last year, compared to net income of $92.6 million in 2013. It’s the first annual loss for Blue Cross since 1999.

One thing BCBS notes is that the people they were signing up were older and sicker. The pool of new enrollees who were younger and healthier did not materialize, just like with most Exchanges.

The architects of the ACA foresaw a surge of sicker customers and created an insurance pool to cover losses for affected insurers. Blue Cross plans to seek $120 million from the pool this year and booked $60 million in pre-tax revenue it expects to collect in the coming three years.

I’ll admit, that’s the first time I’ve truly heard of this deep pool. Weren’t the younger and healthier supposed to cover that? Apparently, said architects knew that what they were actually telling the public was a load of mule fritters.

Of course, opponents of the ACA noted that with this “free” and “cheap” health insurance people would use it willy nilly, increasing costs, and shifting the costs to the American taxpayer even more.

Meanwhile, Politico runs an article by Abbe R. Gluck about King v Burwell, which complains that the suit is really about States Rights, which is a bad thing or something

King v. Burwell—the challenge to the Affordable Care Act that the Supreme Court will hear on March 4th—is about more than health care. Court watchers have finally begun to realize that the case is also all about states’ rights. And while the challengers have tried to submerge this issue—because it dramatically undermines their case—its centrality to King has become undeniable.

The challengers maintain that the case is simply about reading plain language. (I have detailed elsewhere why their hyper-literal reading of four words out of context is anything but plain and is not how the Supreme Court usually reads statutes.) But King is about a lot more than this. The case is about federalism—the role of states in our national democracy. The reason the challengers don’t want anyone to realize that is because the very text-oriented justices to whom they are appealing are the exact same justices who have consistently interpreted federal laws to protect states’ rights. And the challengers would read the ACA in the opposite way—as having devastating implications for the states.

Or, it could simply be about one of the most lopsidedly passed bills in U.S. history, which passed without one Republican vote, was not read by those who voted to pass it, and, furthermore, those “four words” being exactly in context of what the architects wanted, to force States to create their own exchanges.

If this was primarily about States Rights, they could file a suit which follows the 10th Amendment, which specifically would stop the ACA, since it is not a power delegated to the Federal Government. Leftists, though, do not like States Rights, because they love the notion of a Central Government dictating everything.

Read: BCBS NC Posts First Loss In 15 Years, Blames Obamacare »

FCC Commish Ajit Pai Destroys “Net Neutrality” In 3 Easy Points

The idea of an open and free Internet is a wonderful thing. In fact, it is something that the United States has led the world in since the web’s inception. Of course, some folks like to create problems where none exist, and think that it is a Good Idea to give the government huge powers to regulate it, in a misguided belief that the companies who run web shouldn’t be allowed to ever throttle bandwith or even require more payment for bandwith hogs. Of course, at the end of the day, those who believe in net neutrality have shown their cards that this isn’t really about any of that, it’s a typical Progressive belief that the Central Government should have more and more power. And Government will use that power. Progressives will surely want that power used against political enemies. They haven’t really considered that the power could be used against themselves. Anyhow…

(Daily Caller) After casting a futile vote against the FCC’s plan to regulate the Internet as a public utility, Republican Commissioner Ajit Pai delivered a blistering attack on the new rules.

In his dissenting statement, Pai advanced three main objections to the Commission’s “Open Internet Order:”

1. The Internet has grown rapidly, creating untold economic benefits, largely because the government has refrained from interfering with it.

“For twenty years, there’s been a bipartisan consensus in favor of a free and open Internet … [and] the results speak for themselves. Dating back to the Clinton Administration, every FCC Chairman—Republican and Democrat—has let the Internet grow free from utility-style regulation.”

“But today, the FCC abandons those policies. It reclassifies broadband Internet access service as a Title II telecommunications service. It seizes unilateral authority to regulate Internet conduct, to direct where Internet service providers (ISPs) make their investments, and to determine what service plans will be available to the American public.”

Sure, there have been a few glitches and hiccups during that time, most of which were self correcting. This would give the power to Government, made of people with a political agenda, and following the lead of partisan political appointees, legislators, and Executive Office flacks, possibly including the President. Obviously, nothing could ever go wrong with that, right? The next point per the DC is written strangely

2. Title II regulations attempt to solve problems that don’t exist with enough consistency to address with federal government regulation.

“So the FCC is abandoning a 20-year-old, bipartisan framework for keeping the Internet free and open in favor of Great Depression-era legislation designed to regulate Ma Bell. But at least we’re getting something in return, right? Wrong. The Internet is not broken. There is no problem for the government to solve.”

“Nevertheless, the Order ominously claims that ‘[t]hreats to Internet openness remain today.’ It argues that broadband providers ‘hold all the tools necessary to deceive consumers, degrade content, or disfavor the content that they don’t like,’ and it asserts that the FCC continues ‘to hear concerns about other broadband provider practices involving blocking or degrading third-party applications.’”

“The evidence of these continuing threats? There is none; it’s all anecdote, hypothesis, and hysteria. A small ISP in North Carolina allegedly blocked VoIP calls a decade ago. Comcast capped BitTorrent traffic to ease upload congestion eight years ago. Apple introduced Facetime over Wi-Fi first, cellular networks later. Examples this picayune and stale aren’t enough to tell a coherent story about net neutrality. The bogeyman never had it so easy.”

And, as I mentioned once before, BitTorrent is a website that was abetting the distribution of music and movies illegally, per federal copyright law.

3. Title II regulations will lead to new taxes and slower broadband speeds for consumers.

“Literally nothing in this Order will promote competition among ISPs. To the contrary, reclassifying broadband will drive competitors out of business. Monopoly rules designed for the monopoly era will inevitably move us in the direction of a monopoly. If you liked the Ma Bell monopoly in the 20th century, you’ll love Pa Broadband in the 21st.”

“One avenue for higher bills is the new taxes and fees that will be applied to broadband. If you look at your phone bill, you’ll see a ‘Universal Service Fee,’ or something like it. These fees—what most Americans would call taxes—are paid by Americans on their telephone service.”

The FCC’s net neutrality is as much a head-fake as Obamacare. Remember, the original point of Ocare was to make sure that the 30-45 million without health insurance were able to obtain health insurance at a reasonable cost. When the bill was finally passed, it hugely embedded the Central Government in how not just health insurance works, but the health care industry as well.

Other excerpts from his dissenting letter

But if this Order manages to survive judicial review, these will be the consequences: higher broadband prices, slower speeds, less broadband deployment, less innovation, and fewer options for American consumers. To paraphrase Ronald Reagan, President Obama’s plan to regulate the Internet isn’t the solution to a problem. His plan is the problem.

In short, because this Order imposes intrusive government regulations that won’t work to solve a problem that doesn’t exist using legal authority the FCC doesn’t have. I dissent.

A solution in search of a problem that creates more odious problems

Although the Order plainly regulates rates, the plan takes pains to claim that it is not imposing further “ex ante rate regulation.” Of course, that concedes that the new regulatory regime will involve ex post rate regulation. But even the agency’s suggestion that it today “cannot . . . envision” ex ante rate regulations “in this context” says nothing of what a future Commission—perhaps this very Commission—could envision.

In other words, the FCC was saying “trust us”. Because mission creep never ever happens, right?

Commish Pai spends a lot of time discussing the higher taxes that will be coming to go along with the slower speeds and lack of competition. This is apparently what net neutrality believers feel is a “good idea”. Make sure to read the entire letter.

Oh, and we still do not know what is in the 317 pages, because the FCC hasn’t released it yet. They want the Internet transparent, yet not the orders giving the Central Government all this power.

Crossed at Right Wing News.

Read: FCC Commish Ajit Pai Destroys “Net Neutrality” In 3 Easy Points »

Obama’s Plan For The Internet Totally Forgets To Include Details

However, he seems totally psyched to have the Central Government out in place regulations and rules via unelected bureaucrats

(Kuntsevo Dacha) More than any other invention of our time, the Internet has unlocked possibilities we could just barely imagine a generation ago. And here’s a big reason we’ve seen such incredible growth and innovation: Most Internet providers have treated Internet traffic equally. That’s a principle known as “net neutrality” — and it says that an entrepreneur’s fledgling company should have the same chance to succeed as established corporations, and that access to a high school student’s blog shouldn’t be unfairly slowed down to make way for advertisers with more money.

Interestingly, all that was done without the heavy hand of Government,  especially without an un-seen and secretive plan which turns the Web into a 1930’s phone company.

Interestingly, as part of his 4 point sticky note “plan”, he discusses transparency, ironic after a this was all done without any transparency. Oh, and

If carefully designed, these rules should not create any undue burden for ISPs, and can have clear, monitored exceptions for reasonable network management and for specialized services such as dedicated, mission-critical networks serving a hospital. But combined, these rules mean everything for preserving the Internet’s openness.

So, “trust us”. Because government never is bad. You do have to like how there are “exemptions”. Uh huh. And carefully designed, from the same guy who had billions of dollars and still could get a website to work.

And to repeat: everything was fine beforehand. This is a solution in search of a problem.

BTW, to be clear, I’d appose any Republican that backed this obvious power grab.

Read: Obama’s Plan For The Internet Totally Forgets To Include Details »

If All You See…

…is a horrible pool wasting precious water which can never be replaced, you might just be a Warmist

The blog of the day is American Power, with a post on the science being settled.

Read: If All You See… »

Pirate's Cove