Are Extended Car Warranties a Scam? #used #car #search #engine


#auto warranty companies
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Are Extended Car Warranties a Scam?

With reports of consumers submitting warranty claims that never pay out, and lawsuits and settlements related to warranty scams, it’s important to conduct plenty of research on auto warranty companies in order to avoid being duped when buying an extended auto warranty.

According to the vehicle manufacturers, dealers and independent providers we interviewed, every extended auto warranty comes with exclusions, and prices average from $1,500 to $2,000. Consumers should proceed with caution, especially if the solicitation came via the mail or phone.

“A number of these third-party (auto warranty companies) are fly-by-night operations that go belly up within a few years, costing consumers hundreds of dollars in out-of-pocket repairs and leaving them without coverage,” says Ron Montoya, senior consumer advice editor for Edmunds.com. “A third-party warranty is so named because it has no direct business relationship with the product it covers. In this case, your car.”

Buyer beware before purchasing a vehicle extended warranty

Do your research before buying a third-party auto service plan and be sure to read the fine print.

Dean Davis of Chandler, Arizona, says he was duped. After buying a pre-owned 2008 Honda Accord, he rolled the cost of a $2,000 extended warranty into his car loan. “I wanted to ensure the car would not have any major mechanical costs during the finance period,” he says.

However, six months later when the car’s air conditioner malfunctioned, Davis says it compounded into nearly $1,000 worth of damage. “Lo and behold, I was informed that the ‘tier’ of coverage I have doesn’t cover the failure.”

While Davis says he didn’t feel pressured into buying the extended warranty, he thought the warranty package covered everything mechanical and electrical on the car.

“I thought it covered basically everything except deliberate destruction or failure to maintain, such as changing the oil,” he says. “It lists a dizzying array of parts of the engine, transmission, axles, electrical and A/C components. But obviously not the $7 [A/C] relay that caused all my problems.”

Dan Keenoy, general manager of Don Massey Cadillac in Lone Tree, Colorado, said in 2012 that unscrupulous third-party companies prey upon unsuspecting consumers. “It’s buyer beware,” he said. “There are a lot of scams out there.”

Oftentimes, car owners receive phone calls or materials in the mail that appear to be from a legitimate source, namely the car’s manufacturer.

“They’ll say it doesn’t matter what the year, what the make, or what the model is. they’re going to cover it from this point on,” Keenoy added. “That’s absolute total baloney.”

Auto warranty scam leads to settlement

Beware of auto extended warranties with no affiliation with the manufacturer.

For Joyce Garner of Peoria, Arizona, a TV commercial promising extended warranty coverage for used vehicles convinced her to sign up and pay $99 a month for nearly a year to U.S. Fidelis, a company based near St. Louis.

“Every time I’d call them for a claim, they denied it,” she says. “They came up with one reason or another. I finally quit paying them. I’m elderly, I’m on disability and got nothing for paying all that money.”

In July 2012, following a two-year investigation of U.S. Fidelis numerous federal and state agencies, a federal bankruptcy judge in Missouri accepted a settlement in the case that places $14.1 million, garnered from liquidating the assets of owners Cory and Darain Atkinson, into a restitution fund to compensate eligible consumers who submit a valid proof of claim with the bankruptcy court.

Investigators say the men, who also did business as National Auto Warranty Services and Dealer Services, sold warranty packages to as many as 625,000 consumers in 29 states, plus the District of Columbia.

The settlement follows their guilty pleas earlier this year to one count each of federal felony charges of conspiracy to commit mail and wire fraud, and filing false tax returns, according to the Missouri AG’s office.

The federal indictment says the pair deceived consumers by marketing and selling worthless vehicle service contracts with no affiliation to an automobile manufacturer, no authority to provide an automobile manufacturer’s factory warranty, and no authority to alter or extend a factory warranty.

In September 2012, Cory Atkinson was sentenced to four years for the state charges and 40 months for the federal charges, and Darain was sentenced to eight years for the state charges and eight years for the federal charges. Both men were ordered to serve their sentences concurrently in federal prison, as well as pay $4 million in restitution to the IRS for conspiracy to commit mail and wire fraud and filing false tax returns. The men’s attorneys did not return calls seeking comment.

Also in 2011, the Federal Trade Commission reports it returned nearly $3.2 million to about 4,450 consumers who bought bogus auto warranties from now-defunct Transcontinental Warranty. The FTC alleges Transcontinental hired several telemarketers to blast consumers with illegal prerecorded calls that tricked them into buying vehicle service contracts under the guise that they were extensions of original vehicle warranties.

Settlements with the FTC ban the defendants from telemarketing and require them to pay restitution. In October 2011, the company’s president Christopher Cowart and vice president Cris Sagnelli were sentenced to a five-year prison sentence and a $15,000 fine after pleading guilty to federal fraud charges. Cowart was released in January 2015, Sagnelli in February 2014.

Research auto warranty companies

What most car owners don’t realize is the term “extended warranty” is actually a misnomer. A warranty is a guarantee from the manufacturer of a product to repair or replace it within a specific amount of time, and it’s included in the price. An extended warranty is really a “service contract,” because it’s sold separately for an additional amount of time and costs extra.

To avoid getting scammed, vehicle owners need to thoroughly research the auto warranty companies they’re considering for proper business registration and insurance coverage, says Jane Lanzillo, spokeswoman for the Service Contract Industry Council. A majority of providers purchase insurance from heavily regulated insurance companies to guarantee the performance of all of their service contracts, she says.

Currently, 37 states require specific registration, including proof of financial backing. Also, the FTC says many service contracts — regardless of who sells them — are handled by independent administrators, who act as claims adjusters, so it’s important to research both the seller and administrator.

Lanzillo cites the top three third-party administrators as Automobile Protection Corp. Advantage Warranty Corp. and Universal Underwriters Service Corp. After you’ve researched the company and looked for the best extended auto warranty, it’s important to understand exactly what’s included in the contract .

“Unfortunately, many consumers buy an extended service contract without taking the time to fully understand what the contract covers,” said National Institute for Automotive Service Excellence spokesman Tony Molla in 2012. “The best advice would be to read the contract carefully before you sign anything.”

“Read the policy. An informed consumer can’t be taken advantage of. – ASE spokesman Tony Molla


Buy a new car? Are you crazy? #used #auto #loan #rates


#buy a car
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Buy a new car? Are you crazy?

People shopping for new cars should stop, right now, and think about it, Consumer Reports says, though it does not say so quite as bluntly.

“Buying a new car might be a lousy financial move,” warns the widely consulted publication, which posted its comprehensive annual auto report online Tuesday and mails its April auto issue print magazine to subscribers next week. The April issue hits newsstands March 5.

USA TODAY

You can justify replacing your old car to get the latest safety gear, Consumer Reports says, but not necessarily because of dents and dings.

You can justify replacing your old car to get the latest safety gear, Consumer Reports says, but not necessarily because of dents and dings. less

The overriding reason: You’re about to spend a lot more than you think and more than you probably need to.

Keeping what you already drive could “not only free you from a new cycle of monthly payments, but also save a bundle in insurance, taxes and other expenses — primarily depreciation.”

A car is worth about half its new value after three years, depending on the vehicle. Consumer Reports says the average value after three years is 54% of new.

CR provides a decision tree that — answered honestly — encourages many would-be new-car buyers to keep their old cars, buy newer used cars or fix a few gripes with aftermarket equipment.

Emotion, not just reason, drives car purchases, of course, so no coldly analytical approach will influence everyone. But thinking through the decision this way could suggest cheaper ways to address the true reasons why a shopper is in the market for a new car in the first place.

The decision tree starts by letting you choose among three major reasons why you might think you want a new car: to save money on gas and repairs, to get a safer vehicle or to get more features and amenities.

Under the “save money” category, you’re discouraged from buying a replacement vehicle unless you’re driving a major-league gas guzzler and/or your annual repair costs are more than a year of new-car payments would be.

And the gas-guzzler rationale is suspect even if fuel prices don’t stay as low as they have been. It takes a lot of fuel savings to equal even one month’s car payment. Longer at the nationwide average for regular of about $2.33 at midweek, according to travel organization AAA. A year ago it was about $3.43.

The easiest path to deciding to buy new is under the “concerned about safety” category. Old car doesn’t have electronic stability control? Bam, go right to “buy a new car.” Have stability control but really want the latest safety gadgets and electronics, too? Bang, right to “buy a new car.”

But keep in mind that a “new car” to you, in many cases, could mean a newer used car with the safety tech you want.

If you simply “want more features,” you might do as well upgrading your phone, instead, to get, say, navigation, rather than buying a whole new car with navi.

Or buy a stand-alone aftermarket navi and get a few other modern features in the bargain. A number of add-on navi systems in the $200 to $400 range also could add a desired Bluetooth connection and voice control, so you can use your phone in hands-free fashion.

In a Garmin navigation unit, for example, you’d say, “Voice command,” then, for instance, “Call my bookie.” The call is made by the phone, and the sound is routed through the navi speakers. No need to pick up your phone, or wear headphones. That could be very handy in states that prohibit all but hands-free use while driving.

You need to put up with the often-awkward dashboard mat or suction-cup mounting of aftermarket navi systems, but you’ll likely have spent less than a month’s payment.

Not part of the logical decision tree is another factor, however. Maybe you are just tired of you current car. Or have been disappointed. Or, as it turns out, you just plain hate it.

One of the most startling features in the CR auto report is a list of models car owners responding to its annual survey say they’ve found satisfying — or unsatisfying. Surprisingly, many of the favorites don’t correlate with the lists of cars with fewest problems or highest road test score.

Glaring example: Fiat brand winds up in the reliability dust bins of CR ‘s and other arm’s-length studies, but owners say they just love their Fiat 500s and definitely would buy them again.

CR ‘s comprehensive report card shows Fiat is the worst brand overall, combining road-test and reliability scores. And the latest J.D. Power long-term vehicle dependability survey, published Wednesday, likewise shows Fiat at the bottom. And owners love ’em.

An example in the other direction is the Acura RLX, the new-design flagship from a brand that’s typically above average in the third-party surveys — 11th of 28 brands in the CR standings, 12th of 31 in the Power dependability chart — was the least satisfying midsize luxury car, according to owners responding to the CR survey. ​

The ratings evoke the cliché, “Seemed like a good idea at the time.” It’s a warning that buying solely, or largely, on reliability scores might leave you in a few years with a car you don’t really like, but can’t justify dumping because the vehicle is so trouble-free.

“No joy,” as military pilots say when they don’t see the expected target.


Where are the 0% APR Car Deals? Best Car Deals 2015 #standard #auto #parts


#auto deals
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Where are the 0% APR Car Deals?

Cars sales are still recovering from pre-recession levels and car makers are offering some very attractive incentives, including 0% APR  no interest loans, to help get things moving again.

Some manufacturers are also offering cash-back rebates but, as you may already know, you generally must choose between the rebates and the special low-interest (or zero interest) loans. You can t take both.

Often, rebates are a better deal, especially if you need down payment money (rebates can be used as down payment cash). However, in many cases, you don t have a choice when only a rebate, or only a low-interest loan is being offered. See our article, 0% APR Car Deals Good Deal or Not? for more details.

Here are some of the current  car makes and models with 0% APR loan deals. Note that the 0% APR rate usually (but not always) only applies for shorter-term loans — 24, 36, or 48 month loans — and may not apply to all styles within a model line.  Terms and conditions can vary by car company.

Following are some of the current 0% ARP loan deals for 2016, 2015 and a few 2014 vehicles.

  • Cadillac ATS (2016)
  • Cadillac CTS (2016)
  • Cadillac ELR (2016)
  • Cadillac Escalade (2016)
  • Cadillac XTS (2016)
  • Chevy Camero (2015)
  • Chevy City Express Cargo (2015)
  • Chevy Cruze (2015)
  • Chevy Impala (2015)
  • Chevy Malibu (2015)
  • Chevy Silverado 1500 (2015)
  • Chevy Traverse (2015)
  • Chevy Volt (2015)
  • Chrysler 200 (2015 and 2016)
  • Chrysler 300 (2015)
  • Chrysler Town Country (2015 and 2016)
  • Dodge Charger (2015)
  • Dodge Dart (2015)
  • Dodge Durango (2015)
  • Dodge Grand Caravan (2015 and 2016)
  • Dodge Journey (2015 and 2016)
  • Fiat 500 (2015)
  • Fiat 500c (2015)
  • Fiat 500 Abarth (2015)
  • Fiat 500L (2015)
  • Fiat 500e (2015) California and Oregon only
  • Ford F-150 (2015)
  • GMC Acadia (2015)
  • GMC Sierra 1500 (2015)
  • Hyundai Accent (2015)
  • Hyundai Elantra (2015 and 2016)
  • Hyundai Elantra GT (2015 and 2016)
  • Hyundai Equus (2015)
  • Hyundai Santa Fe (2015)
  • Hyundai Santa Fe Sport (2015)
  • Hyundai Sonata (2015)
  • Hyundai Sonata Hybrid (2015)
  • Hyundai Veloster (2015 and 2016)
  • Infiniti Q70 (2015)
  • Infiniti Q70 Hybrid (2015)
  • Infiniti Q70L (2015)
  • Jeep Cherokee (2015 and 2016)
  • Jeep Compass (2015 and 2016)
  • Jeep Grand Cherokee (2015)
  • Jeep Patriot (2015 and 2016)
  • Kia Cadenza (2015)
  • Kia Forte (2015 and 2016)
  • Kia Forte 5 (2015 and 2016)
  • Kia Forte Koup (2015)
  • Kia K900 (2015)
  • Kia Optima (2015)
  • Kia Optima Hybrid (2015)
  • Kia Rio (2015)
  • Kia Rio 5 door (2015)
  • Kia Sedona (2015 and 2016)
  • Kia Soul (2015 and 2016)
  • Kia Sorento (2016)
  • Kia Sportage (2015 and 2016)
  • Lincoln MKC (2015 and 2016)
  • Lincoln MKS (2015)
  • Lincoln MKT (2015)
  • Lincoln MKX (2015 and 2016)
  • Lincoln MKZ ( 2015 and 2016)
  • Lincoln Navigator (2015)
  • Mazda CX-5 (2016)
  • Mazda CX-9 (2015)
  • Mazda 3 4 door (2015 and 2016)
  • Mazda 3 5 door (2015 and 2016)
  • Mazda 6 (2016)
  • Mitsubishi Lancer (2015)
  • Mitsubishi Lancer Evolution (2014 and 2015)
  • Mitsubishi Mirage (2015)
  • Mitsubishi I-Miev (2014 and 2016)
  • Mitsubishi Outlander (2015 and 2016)
  • Mitsubishi Outlander Sport (2015)
  • Nissan Altima (2015)
  • Nissan Juke (2015)
  • Nissan LEAF (2015)
  • Nissan Murano (2015)
  • Nissan Pathfinder (2015)
  • Nissan Quest (2015)
  • Nissan Rogue (2015)
  • Nissan Rogue Select (2015)
  • Nissan Sentra (2015)
  • Nissan Versa Note (2015)
  • Nissan Versa Sedan (2015)
  • RAM 1500 (2015 and 2016)
  • RAM 2500 (2015)
  • RAM 3500 (2015)
  • RAM Promaster City Tradesman (2015)
  • RAM Promaster City Wagon (2015)
  • Subaru BRZ (2015)
  • Subaru XV Crosstrek Hybrid (2015)
  • Toyota Avalon (2015)
  • Toyota Avalon Hybrid (2015)
  • Toyota Camry (2015)
  • Toyota Camry Hybrid (2015)
  • Toyota Corolla (2015)
  • Toyota Prius (2015)
  • Toyota Prius C (2015)
  • Toyota Prius V (2015)
  • Toyota RAV4 (2015)
  • Toyota Sienna (2015)
  • Toyota Tundra (2015)
  • Toyota Venza (2015)
  • Toyota 4Runner (2015)

Of course, the best deals result from having both a 0% loan and a good price discount. Many car buyers are so happy to get a great loan rate that they overlook the fact that they should also be getting a price discount (not rebate) from their dealers. Shop for or negotiate your best price, even when you are getting a zero-percent loan. Don t let dealers try to tell you that you can t have both. To quickly find the best deals, get online price quotes before you go visit a dealer.

Always Get Price Quotes Before Shopping for a Car

You can get free price quotes on any of the above cars from TrueCar . They show you what other people are paying and give you a low price guarantee that will be honored at local dealers. Their quotes will automatically include any cash-back rebates or discounts that are currently available, in addition to the 0% APR loan rates.

Your Credit Score is Important

We also remind you that you need a good credit score to qualify for a 0% APR loan rate. If you don t know your most recent FICO credit score, you should. What s your FICO score? Find out now when you check your credit report for $1 at Experian.com! Don t let dealers know more about your credit than you know yourself.

If your credit score is significantly below 700 you won t be able to get a low-interest (or 0% interest) loan but you may be able to qualify for a sub-prime rate at a loan company, such as Auto Credit Express . that specializes in providing car loans to people with no credit, poor credit, bankruptcies, or even repossessions on their record.


Your Money: Car loans are cheap, but shop around #auto #parts #for #sale


#auto loans rates
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Your Money: Car loans are cheap, but shop around

Story Highlights

    Bargain car loan rates are hovering around 3% or so now You need a good credit score to snag one Some loans now go up to seven years

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It’s hard to beat the thrill of jumping behind the wheel of a new car at the North American International Auto Show, especially if your clunker is already 9 or 10 years old.

But how exciting is a car loan? Just itching for another monthly payment? Yeah, right.

The hot news about car loans this year, though, is that rates are lower than last year — so shopping around for car loan could prove invigorating when you snag a real deal.

“We’ve never seen rates this low” in the surveys of banks and credit unions, said Greg McBride, senior financial analyst at Bankrate.com .

Bargain car loan rates — both for used and new cars — are hovering around 3% or so now at banks and credit unions.

Plenty of carmakers are offering 0% and 1.9% financing on several models, too. But make sure to run the numbers on various online calculators to determine whether you’d be better off taking a cash-back rebate than 0% financing, if given a choice.

In mid-January, the average new car loan rate was 4.15% for a five-year new car loan at banks and credit unions surveyed by Bankrate.com .

The average used car loan rate was 4.77% for a four-year used car loan, according to Bankrate.com.

“We’re in a prolonged low-rate environment, and I don’t think they’ve bottomed yet,” McBride said.

Another trend: Some lenders are offering new car loans that go beyond five years, say 72-months, and a few are rolling out 84-month car loans.

Comerica’s 3.99% rate, for example, applies to 60-month and 72-month car loans.

Melinda Zabritski, director of automotive credit for Experian, said some consumers with lower credit scores can qualify for a more expensive new car if they opt for a six-year loan instead of five years.

Some consumers with higher scores opt for seven-year car loans to buy luxury brands, she said.

“A lot of it is an effort to make some expensive vehicles a little more affordable on a month-to-month basis,” Zabritski said.

Be warned, though: Dragging out a car loan to six or seven years drives up total interest paid for a car; and a consumer risks owing more on the car than it’s worth when it comes time to sell.

Another warning: If you don’t shop around for a car loan rate, though, it’s easier to get taken for a ride on rates.

“We see greater disparity in auto loan rates than any other product,” McBride said.

Lenders often decide what kind of market share they want in the auto loan business and price their car loans accordingly. And yes, many realize that consumers don’t shop for car loans as diligently as they should.

Does that mean everyone gets a car loan at less than 5%? Absolutely not. Rates vary by credit history.

The Detroit-based Communicating Arts Credit Union had received an initial $1.5 million federal grant in November 2011 to develop a bailout program for people who have extremely high car loan rates.

As part of that program, the credit union had 34 auto bailouts that had original car loan rates in excess of 19%. One customer refinanced a rate of 25% to 3.25%.Other customers refinanced rates of nearly 25% to a range of 9.5% to 12.5%.

Going to 5% from 25% would drop the monthly payment to $188.71 from $293.51 on a five-year, $10,000 car loan.

Hank Hubbard, president and CEO of the Communicating Arts Credit Union, said many times shoppers don’t realize they have alternatives. Some old loans may have been made during the credit crunch.

We’ve swung from one extreme where anyone could get a car loan during the economic boom to another extreme where lenders were paranoid about making loans to creditworthy consumers during the financial meltdown.

Now, “Lenders are certainly making loans available,” Experian’s Zabritski said.

Typically, Toprak said, someone with a 620 credit score could be getting a rate of 8.9% or higher now; while someone with a 500 credit score could be offered 13.9% now.

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Auto loan rates are down for buyers with bad credit #auto #body #shop


#auto loan bad credit
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Auto loan rates are down, and financing is easier to get for buyers with bad credit

By: Bill Visnic, June 13th 2011

It was tough for buyers with less-than-perfect credit to get an auto loan during the recession.

Even after the recession ended, many economists and auto-industry analysts said credit requirements stayed too strict for too long, dampening many borrowers’ ability to buy a new car or truck.

But prospects are improving for subprime borrowers – it’s not only getting easier to get a car loan but to qualify for a better interest rate, too.

Credit data expert Experian Automotive says that sharply declining repossession rates in the first part of 2011 are giving lenders confidence that auto-loan defaults, spurred by the recession, are leveling out.

In the first quarter this year, 30-day delinquencies were down almost 8%, said Experian, and the total balance of auto-loan delinquencies was down $2.3 billion compared with the same period in 2010.

That, as well as a big effort on the part of car companies such as General Motors and Chrysler to expand the availability of subprime loans from their “in-house” lending units, means it’s getting significantly easier for those with nonprime credit (score of 620 to 679) and subprime credit (score of 550 to 619) to obtain an auto loan.

That’s one of the reasons that a dealership’s finance manager can often offer the best deals on bad-credit car loans.

Lending to auto buyers with nonprime scores was up 7.8% in the first quarter, and subprime loans increased by 8.5%, Experian says.

Even more helpful, the average credit score for all auto loans was down a significant 10 points to 766 – not far from the average loan score of 753 just before the recession.

Meanwhile, interest rates for nonprime and subprime auto loans also are declining.

In the first quarter last year, the average annual percentage rate (APR) for subprime auto loans was 10.8%.

This year, the APR on subprime loans was down to 10.38%. Nonprime auto loan rates dropped almost a full point, from 7.57% in 2010 to 6.76% this year.

Click here to compare the best auto loan rates from dozens of lenders.

Our use our auto loan calculator to see what the monthly payments would be for any interest rate and deal.

Experian summarized by saying that “credit continues to loosen” on auto loans and average credit scores needed to qualify for loans at all credit-rating levels continues to decrease.

The auto loan rates for subprime buyers that had reached nosebleed heights during the recession are starting to return to more acceptable levels that make monthly payments more manageable for buyers with less-than-perfect credit.

This is true of financing terms for both new and used vehicles.

Follow Interest.com on Twitter .


Auto Shows: Where New Cars are Born – Kelley Blue Book #auto #quotes


#detroit auto show
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Auto News

Auto Shows: Where New Cars are Born

Posted: 9/16/2015 7:35:24 PM

Visiting an auto show is a great way for car shoppers to see and compare all the models they may be considering, and a great way for enthusiasts to get a hands-on look at all the latest and greatest cars the market has to offer. But there are a handful of auto shows around the world that attract attention from far beyond the local news broadcast. The car you’re driving today was most likely unveiled to the world at the Detroit, Los Angeles, New York or Chicago auto show, if not in Tokyo, Frankfurt, Paris or Geneva. And if your next car has already been revealed, this is where you’ll find it.

Above: New and redesigned models revealed during the 2014-15 auto show season

Visiting an auto show is a great way for car shoppers to see and compare all the models they may be considering, and a great way for enthusiasts to get a hands-on look at all the latest and greatest cars the market has to offer.

But there are a handful of auto shows around the world that attract attention from far beyond the local news broadcast. The car you’re driving today was most likely unveiled to the world at the Detroit, Los Angeles, New York or Chicago auto show, if not in Tokyo, Frankfurt, Paris or Geneva.

And if your next car has already been revealed, this is where you’ll find it.

Whether it’s the next range-topping electric car or a new high-dollar luxury cruiser, we can always count on the LA Auto Show to have it all.

The Tokyo Motor Show is banking on a resurgent Japanese auto industry to reassert itself as a major player on the global show circuit.

The auto show season kicks off in Frankfurt every other year, and the home team always gets it off to a strong start.

As the last-chance big show of the season, the New York Auto Show always attracts a number of world and North American debuts.

Unlike the Frankfurt and Paris car parties, the Geneva Auto Show takes place in a land without a major automaker. With no manufacturers to dominate the scene, the Geneva Auto Show feels more like a United Nations mixer.See the cars

In terms of floor space, the Chicago Auto Show is actually the largest of the country’s big four. It’s also become a popular venue for manufacturers to introduce larger vehicles like SUVs, trucks and vans.

Not just the home auto show for the American auto industry, the North American International Auto Show is an important show for automakers from around the world as the key car show in one of the world’s largest car markets.

The City of Lights plays host to the international automotive community every other year, where the French contingent always has some interesting things to show off.

10 Coolest Cars Under $18,000

First Pics: New 2016 Models

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New Car Buyer’s Guides

10 Best CPO Luxury Cars Under $30,000


Email Template Theft – Are You A Victim Or A Criminal? #buy #auto #parts


#internet auto sales
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Are You A Victim of ETT (Email Template Theft)?

Are you stealing email templates?

A n alarming trend has arisen on the Internet side of automotive sales and it is called Email Template Theft (ETT for short). This may be happening to your dealerships Internet sales team right now or your team could even be the guilty party.

Have you ever received an Internet lead who never responded and just seemed downright suspicious?

Could these leads have been submitted by your local competition?

As an Internet Director, it certainly happened to me. This was confirmed after time had passed when I shopped my competition then noticed startling similarities between their email templates and that of my own.

At first I was furious to the point that I wanted to start a blog and call them out online for all the Internet shopping world to see. Furious to the point that I wanted to purchase a ninja suit then sneak on to their lot during the middle of the night and put my dealership s license plate frames on all of their cars.

Unfortunately, neither of these options would have helped the situation or my own credibility. It took a while (meaning a few days in the car business) to start asking myself the questions that would help me realize why this happened. Does ETT happen to everyone? Are my email templates simply that amazing or is someone out there just that lazy?

Truth be told, it was most likely the latter.

As it is today, the Internet sales side of the car business is evolving at a rapid pace. My best guess was that someone having never sold cars online was put in charge of running an Internet department or BDC in my market and they did what they had to do to get started, fake it until they made it.

After serving on the vendor side with a CRM provider it is sad to say the same activity is witnessed. We are routinely asked by dealership prospects to provide best practices from our top performing stores.

Can t you just copy the email templates and phone call scripts from [so and so] and put them into our account? We will change the name and everything…

Make no mistake that this is not good for you and it is certainly not helping your customers choose where to purchase a vehicle.

Sales 101 teaches us to set ourselves apart. When an Internet shopper submits a lead and the onslaught of emails they receive back are the same or similar enough to be perceived as the same, nobody wins. In fact, more harm is done than good.

In the age of price shopping and the demand for quick digital price quotes there are few options to retain anything resembling gross profit on the deal. We must build value, set ourselves apart and earn the gross we desire by allowing the customer to feel special and unique. How do we accomplish this?

First, stop using auto response emails. During the operating hours at the dealership we need to send personalized initial responses, period. These responses should not read We have received your request and someone will be getting back to you soon. After 15 or 30 minutes with no response, soon has lost it s creditability and so has your store. If you were the customer in that situation your next question would  likely be about the price of the vehicle.

Second, tell your personal story and that of the dealership through the messaging in your emails. Do not be afraid to get personal. For your customers that eventually do buy, you will likely know much about their personal life so why not break the ice online first? We do it in person and should be able to pull it off digitally with strong personalized emails.

If you have a family, talk about your family. This minivan has enough space in the back that even my 6 kids could fit with all their daily belongings. Mr. Customer, I understand that you are on a budget and my family is as well. It is important to think about the true cost of ownership over time with the next vehicle you purchase and I am here to help you understand what that entails.

The same goes for the dealership. Mention how long you have or have not been in business. Focus the spotlight on your store s distinct advantages and leverage them to earn an appointment.

Third, use video of yourself, the dealership and the vehicle. Take the time to record something for each customer since they will appreciate it even if they never tell you. When a shopper sees that you are dedicating your time to them specifically, even before they have entered the store, things will work in your favor.

So let us all put an end to ETT (Email Template Theft)!

Challenge yourself to revisit your email templates. Use every ounce of creativity that you have to rebuild them and don t hesitate to ask for help. Your customers will thank you… monetarily.

Questions:

Have you had your email templates stolen?


Signs You re Sleep Deprived #signs #you’re #sleep #deprived, #sleep #deprived, #are #you #sleep #deprived, #signs #you’re #exhausted, #health #effects #of #sleep #deprivation, #signs #you’re #body #is #tired


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    Signs Your Body Is Too Tired to Go On (Even if You’re Not)

    Photo: Jade Copple

    1. You’re clicking your pen and tapping your feet.

    What’s happening: When you move your muscles, you cue your brain to stay alert, says Hans P.A. Van Dongen, PhD, assistant director of the Sleep and Performance Research Center at Washington State University. So if you’re fidgety and restless and feel as if you you can’t sit still or would rather (always) stand, Van Dongen says that “it could be your brain’s way of trying to keep you awake.”

    What else you should know: Fidgeting could also be a sign that you’ve had too much caffeine. The recommended daily limit is 500 to 600 mg, or about 4 cups drinking more than that is another less-than-subtle sign that you need more rest.

    2. You’re lapsing, you don’t know you’re lapsing and you don’t know even know what the heck lapsing is.

    What’s happening: Lapsing, in technical terms, is when parts of your brain take a stealth catnap. When you’re exhausted, the sections that control attention and response time start taking breaks from processing new information, explains Van Dongen. These “mini-sleeps” could be as short as half a second, and you may not even notice that you’ve fallen into them.

    What else you should know: Van Dongen suggests a lapsing test: Sit in a dark, quiet area while holding a pencil in one hand. Set a timer for 5 minutes, and just relax and breathe. If the pencil drops, that’s a clear sign you and your brain need more sleep.

    3. You’re having trouble swiping your office ID, balancing your coffee and making it through the door before it closes again.

    What’s happening: This combination of simple tasks, done in sequence and under a time limit, is a fine test of your psychomotor skills and coordination, which are some of the first things to go when you skimp on shut-eye. In one 1997 study, researchers found that a person who has gone for even one night without sleep is about as impaired on early morning hand-eye coordination as someone who has a blood alcohol level of .10 percent, also known as legally drunk.

    What else you should know: Sleep deprivation doesn’t have the same effect on the parts of your brain that handle critical reasoning. so even if you’re having trouble with appliances, you still may have no noticeable problem with writing a strategy memo or analyzing reports.

    4. You act like Mrs. Silly Pants at breakfast.

    What’s happening: Your brain is having trouble telling you how to behave, so you’re more reactive to stimuli from your surroundings. The sun seems so bright and cheerful, the coffee tastes soooooo good and that cat going nuts with the empty cereal box is just hi-larious.

    What else you should know: Staying on an even keel will be your big challenge today, says Van Dongen. Your mood will probably go from goofy to grouchy as soon as something doesn’t go your way.

    5. and you’re a hot, emotional mess for the rest of the day.

    What’s happening: Watch out, coworkers, spouses and innocent bystanders: Weakened emotion-regulating systems in the prefrontal area of the brain may make it hard for you to control and express your feelings. For example, if someone criticizes you, it will upset you more than usual, says Van Dongen, and you’ll be more likely to say or do something you’ll regret. Research from William D.S. Killgore at Harvard Medical School also showed that two nights without adequate sleep was associated with a reduced tendency to think positively and a lack of willingness to take action to solve problems. “Thus, sleep-deprived individuals appear to be more easily frustrated, intolerant, unforgiving, less caring and more self-focused than when fully rested,” he wrote. In other words, you’re acting kind of jerky.

    What else you should know: While caffeine may give you a shot of adrenaline, studies show it’s often ineffective at fixing the other emotional glitches brought on by sleeplessness.

    6. You’re craving carbs big time.

    What’s happening: Research has shown that just one night of meager sleep lowers levels of the appetite-suppressing hormone leptin and boosts levels of hunger-increasing ghrelin. The body wakes up craving quick. easy energy. That choco-chunk muffin will do, thank you. Volunteers in one study at the University of Colorado at Boulder who got 4.5 hours (or less) of sleep also reported feeling more ravenous than those who got the magic 7 hours.

    What else you should know: Eating breakfast within an hour or so of waking has been shown to increase alertness and improve cognitive performance. So embrace the carbs, but make sure they’re the slow-dose kind that won’t cause you to fizzle (steel-cut oatmeal is a great choice).

    7. You get a second wind at 9:30 p.m.

    What’s happening: Your body is keeping you up for that last stretch of the evening so it can get you back into a rhythm, says Rafael Pelayo, MD, a sleep specialist at the Stanford University Sleep Medicine Center and an associate professor of psychiatry and behavioral science. He says that what often happens is the patient who’s been running on empty will promise herself she’ll go to bed early. “Early” rolls around and she feels fine, so she keeps getting things done. but then ends up with only 6 hours of sleep (again). When she snoozes through her alarm, she tells herself everyone has trouble getting out of bed.

    What else you should know: We fall into our deepest sleep during the two hours before our natural wakeup time, Pelayo says. So put down the to-do list and pick up the toothbrush: It’s still easier to force yourself to go to bed than to force yourself to wake up (starting with 15 minute increments can help).


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    Comprehensive Urology Care for Men and Women

    Our goal is to provide comprehensive, compassionate, state of the art, safe, and cost effective urological health care. With 13 doctors and 7 locations. the office staff and physicians of St Louis Urological Surgeons are eager to care for our patients in St. Louis County, St. Charles County, neighboring Illinois, and surrounding communities. As urologists, we care for patients with diseases of the male and female urinary tract (kidneys, ureters, urinary bladder, urethra, and adrenal gland) and the male reproductive organs.

    The common conditions we evaluate and treat include hematuria (blood in the urine), urinary tract infections, kidney and ureteral stones, overactive bladder, urinary incontinence, benign prostatic hyperplasia (BPH), erectile dysfunction, prostate cancer, male sterility, bladder cancer, and kidney cancer.

    As surgical specialists, we perform various procedures in the office and in the operating room. Common office procedures include cystoscopy (to evaluate the inside of the urinary bladder), vasectomy (for male sterility) and prostate biopsy (to diagnose prostate cancer). Common surgeries performed in the operating room include kidney stone treatment, laparoscopic kidney removal, laparoscopic/robotic prostate removal, surgery for stress urinary incontinence, and surgery for evaluation of hematuria and urinary tract obstruction.

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    111 St. Luke’s Center Drive
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    Chesterfield, MO 63017
    314.434.3433

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    St. Louis, MO 63136
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    St. Peters, MO 63376
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    St. Louis, MO 63141
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    Bridgeton, MO 63044
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    St. Charles, MO 63301
    636.669.2392
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    Fenton, MO 63026
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  • AFTER HOURS EXCHANGE: 314.388.6575


    Where are the 0% APR Car Deals? Best Car Deals 2015 #auto #decals


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    Where are the 0% APR Car Deals?

    Cars sales are still recovering from pre-recession levels and car makers are offering some very attractive incentives, including 0% APR  no interest loans, to help get things moving again.

    Some manufacturers are also offering cash-back rebates but, as you may already know, you generally must choose between the rebates and the special low-interest (or zero interest) loans. You can t take both.

    Often, rebates are a better deal, especially if you need down payment money (rebates can be used as down payment cash). However, in many cases, you don t have a choice when only a rebate, or only a low-interest loan is being offered. See our article, 0% APR Car Deals Good Deal or Not? for more details.

    Here are some of the current  car makes and models with 0% APR loan deals. Note that the 0% APR rate usually (but not always) only applies for shorter-term loans — 24, 36, or 48 month loans — and may not apply to all styles within a model line.  Terms and conditions can vary by car company.

    Following are some of the current 0% ARP loan deals for 2016, 2015 and a few 2014 vehicles.

    • Cadillac ATS (2016)
    • Cadillac CTS (2016)
    • Cadillac ELR (2016)
    • Cadillac Escalade (2016)
    • Cadillac XTS (2016)
    • Chevy Camero (2015)
    • Chevy City Express Cargo (2015)
    • Chevy Cruze (2015)
    • Chevy Impala (2015)
    • Chevy Malibu (2015)
    • Chevy Silverado 1500 (2015)
    • Chevy Traverse (2015)
    • Chevy Volt (2015)
    • Chrysler 200 (2015 and 2016)
    • Chrysler 300 (2015)
    • Chrysler Town Country (2015 and 2016)
    • Dodge Charger (2015)
    • Dodge Dart (2015)
    • Dodge Durango (2015)
    • Dodge Grand Caravan (2015 and 2016)
    • Dodge Journey (2015 and 2016)
    • Fiat 500 (2015)
    • Fiat 500c (2015)
    • Fiat 500 Abarth (2015)
    • Fiat 500L (2015)
    • Fiat 500e (2015) California and Oregon only
    • Ford F-150 (2015)
    • GMC Acadia (2015)
    • GMC Sierra 1500 (2015)
    • Hyundai Accent (2015)
    • Hyundai Elantra (2015 and 2016)
    • Hyundai Elantra GT (2015 and 2016)
    • Hyundai Equus (2015)
    • Hyundai Santa Fe (2015)
    • Hyundai Santa Fe Sport (2015)
    • Hyundai Sonata (2015)
    • Hyundai Sonata Hybrid (2015)
    • Hyundai Veloster (2015 and 2016)
    • Infiniti Q70 (2015)
    • Infiniti Q70 Hybrid (2015)
    • Infiniti Q70L (2015)
    • Jeep Cherokee (2015 and 2016)
    • Jeep Compass (2015 and 2016)
    • Jeep Grand Cherokee (2015)
    • Jeep Patriot (2015 and 2016)
    • Kia Cadenza (2015)
    • Kia Forte (2015 and 2016)
    • Kia Forte 5 (2015 and 2016)
    • Kia Forte Koup (2015)
    • Kia K900 (2015)
    • Kia Optima (2015)
    • Kia Optima Hybrid (2015)
    • Kia Rio (2015)
    • Kia Rio 5 door (2015)
    • Kia Sedona (2015 and 2016)
    • Kia Soul (2015 and 2016)
    • Kia Sorento (2016)
    • Kia Sportage (2015 and 2016)
    • Lincoln MKC (2015 and 2016)
    • Lincoln MKS (2015)
    • Lincoln MKT (2015)
    • Lincoln MKX (2015 and 2016)
    • Lincoln MKZ ( 2015 and 2016)
    • Lincoln Navigator (2015)
    • Mazda CX-5 (2016)
    • Mazda CX-9 (2015)
    • Mazda 3 4 door (2015 and 2016)
    • Mazda 3 5 door (2015 and 2016)
    • Mazda 6 (2016)
    • Mitsubishi Lancer (2015)
    • Mitsubishi Lancer Evolution (2014 and 2015)
    • Mitsubishi Mirage (2015)
    • Mitsubishi I-Miev (2014 and 2016)
    • Mitsubishi Outlander (2015 and 2016)
    • Mitsubishi Outlander Sport (2015)
    • Nissan Altima (2015)
    • Nissan Juke (2015)
    • Nissan LEAF (2015)
    • Nissan Murano (2015)
    • Nissan Pathfinder (2015)
    • Nissan Quest (2015)
    • Nissan Rogue (2015)
    • Nissan Rogue Select (2015)
    • Nissan Sentra (2015)
    • Nissan Versa Note (2015)
    • Nissan Versa Sedan (2015)
    • RAM 1500 (2015 and 2016)
    • RAM 2500 (2015)
    • RAM 3500 (2015)
    • RAM Promaster City Tradesman (2015)
    • RAM Promaster City Wagon (2015)
    • Subaru BRZ (2015)
    • Subaru XV Crosstrek Hybrid (2015)
    • Toyota Avalon (2015)
    • Toyota Avalon Hybrid (2015)
    • Toyota Camry (2015)
    • Toyota Camry Hybrid (2015)
    • Toyota Corolla (2015)
    • Toyota Prius (2015)
    • Toyota Prius C (2015)
    • Toyota Prius V (2015)
    • Toyota RAV4 (2015)
    • Toyota Sienna (2015)
    • Toyota Tundra (2015)
    • Toyota Venza (2015)
    • Toyota 4Runner (2015)

    Of course, the best deals result from having both a 0% loan and a good price discount. Many car buyers are so happy to get a great loan rate that they overlook the fact that they should also be getting a price discount (not rebate) from their dealers. Shop for or negotiate your best price, even when you are getting a zero-percent loan. Don t let dealers try to tell you that you can t have both. To quickly find the best deals, get online price quotes before you go visit a dealer.

    Always Get Price Quotes Before Shopping for a Car

    You can get free price quotes on any of the above cars from TrueCar . They show you what other people are paying and give you a low price guarantee that will be honored at local dealers. Their quotes will automatically include any cash-back rebates or discounts that are currently available, in addition to the 0% APR loan rates.

    Your Credit Score is Important

    We also remind you that you need a good credit score to qualify for a 0% APR loan rate. If you don t know your most recent FICO credit score, you should. What s your FICO score? Find out now when you check your credit report for $1 at Experian.com! Don t let dealers know more about your credit than you know yourself.

    If your credit score is significantly below 700 you won t be able to get a low-interest (or 0% interest) loan but you may be able to qualify for a sub-prime rate at a loan company, such as Auto Credit Express . that specializes in providing car loans to people with no credit, poor credit, bankruptcies, or even repossessions on their record.