OSUGT

Who the hell are you? Did I ever mention you by name? No. Some guy said in an earlier post that interest rates were contingent on down payments. I quoted your post because I wanted to respond to your blanket statement about not having the dealer do your financing. You are eliminating options for him without justification. Many banks have first time buyer programs. ON USED CARS. You probably got "screwed" by a dealer and you hate them all. I'm sorry that happened to you. What do you do? You get smarter, and dont make the same mistake again. You've got no right to belittle me even if I was a salesman. Seriously, who the hell are you? If you work hard, provide for your family, and do the right things in life, you have no right to judge me. I stand by every word I said. I've got no reason to lie, and I am not a salesman. My first car loan was from Core One Credit Union. They did not report to a bureau. There is your example. Did I ever say they all didnt? No. Did I say not to get a loan through a CU? NO. Did I say what might happen? YES So until you look at Credit Bureaus everyday and have to answer concerns that customers have because their loan isnt showing up...BACK OFF. I deal with people like you all the time. You hear what you want to hear and then attack. Chill bro. Not every dealer wants to rip your head off. I make an honest living, and I have to look in the mirror every day knowing I didnt rip off the people that I live among.

Of coarse they like your debt! And they would love to keep all your debt! LOL

Look, I know most of you guys think that dealers are out to screw you, but that being said, dont tell him things that just are not true or could harm him down the road. If you finance through a Credit Union, fine. He said he has little credit which is fine. We all start off with nothing. I would imagine the goal with this next loan is to build credit. That being said, MANY credit unions do not report to credit bureaus. What does this mean? It means the next time you want a loan, and you tell the bank you had a previous loan through a credit union, you are in the same position you are in now. You dont get credit for paying off Credit Union/local bank loans in many cases. Dealer financing can work to your advantage. Do your homework, know what average rates are, see what you can get! Many times they are lower because of the bulk business we send banks. Do we get paid when you finance through us? Yes. About 2-3% of what you finance. We dont get rich. I'm much more willing to negotiate with a customer giving me the financing than a cash buyer. Finally, whoever said that a downpayment goes into the salespersons pocket is full of crap. Does it happen? Yes. Where? At sleazy "buy here pay heres" Any decent dealership does not do this. Does a downpayment make a difference in your rate? 99% of the time, no. Does a downpayment make a difference between an approval and leaving empty handed? Lots of times, YES! IT'S ALL ABOUT RISK! The less money financed on an asset worth X amount of dollars to a bank, the better. Finance as far below "X" as you can get. Bottom line. Get your facts. Go to the dealer, and work your deal. If they dont want to work with you, come see me. PS You will qualify for dealership pricing and not employee pricing. If you dont want a new Saturn, you are out of luck.

\ Welcome to my world:) I wish their was a "Buy Now" button on KBB so they would buy it!

Dont you work at Saturn? Ask Jody White to give you some ideas about what these cars bring at wholesale. Then you can decide if your price range is realistic. He'll shoot you straight.

I agree with everything you just said...EXCEPT. Chris Wells was not a secret:) He was hurting kids at the Spring Game, and CRUSHING kids last year in HS. Their was even talk about him taking Pittman's spot in the rotation. He'll be a lot of fun to watch if he keeps his head on straight.

LOL If you were a public defender, your client just got life in prison!

Are you serious? http://sports.espn.go.com/ncf/player/profile?playerId=160722 6 yards a pop and a 1 td a game avg. Yeah, he sucks... We thump Iowa by 21 (Should have been 28) in THEIR back yard, and Mich puts togeter a 2 TD snooze fest win over Minn? I think it's human nature not to get amped up over some crap team. Mich avg margin of victory = 19 OSU avg margin of victory = 23 Back on topic. Smith wins the Heisman. Brady goes #1 in the draft.

I think the block by Hartline was almost as good as the run

I drove a dodge avenger... I stuck an "S281" badge under my license plate when I first got my car. I've got the 281 cubes, but no Saleen or Supercharger (whatever the S stands for) If you have eibach springs and you put the "Eibach Springs" stickers on your car, does that count?

or even touche'

look like 91+ wheels too...Nice car

That's cool. I'm all sold out any way:) Also, my bad on the recall post. Based on this, they just went up in price! LOL

Sounds like a repeat of the 99 Recall is coming

I havent seen it on the air yet, but I thought it was pretty good. Sorry if this is in the wrong section. Would a mod please move. Thank you.

Then there are crashes like Dale Sr's, and you are left wondering how he didnt just walk away. When it's your time, it's your time.

Yeah, cuz a ticket is the WORST thing that could happen...

Tom, You know the biz...Couldnt get off of work:) I expect low 12s my friend!

I know this topic has been beaten to death, but I never lose interest in what oil is selling for per barrel. http://money.cnn.com/2006/09/27/markets/oil_eia/index.htm?postversion=2006092715 Here is what I dont understand. Oil prices have been falling rapidly over the past month. Supplies are rising, demand seems to be fading, tensions are lighter etc etc. It's the perfect scenario for a price drop. However, after a strong inventory report came out today, oil went down then shot up almost 2 bucks. The following is a quote from the article above that best sums up the fundamentally wrong way oil is bought and sold: "The feeling was that if the market wasn't able to break $60 with even these kinds of stats, then maybe it's time to accumulate some," said Nauman Barakat, an energy trader at Macquarie Futures, the trading arm of Macquarie investment bank Energy traders are manipulating the market to make a buck that comes right out of our wallets! We have the biggest supplies of crude and gas that we've had in years, but oil still goes up. I'm sorry, but to me, the supply and demand theory just went sailing right out the window. Just had to vent.

Maybe he really did get a "zero(in)grade1"

Nice call on the rims. Black is the new chrome! IMHO

I ran short of breath reading that run-on sentence.

David Conrad Hilliard

http://www.cnn.com/2006/AUTOS/09/25/jihad_car_ad.reut/index.html Well, once again Islamic pressure limits free speech. I'm sick of it. Everyday we hear about terrorist bombings, suicide missions, threats, tensions in the middle east... Why cant we laugh once in a while? I'm not suggesting we laugh at the bombings, but how about laughing at these fools themselves? Every other religion in the world experiences some sort of social satire. Why not Islam? Why do people have to die when Islam is satirized? (sp?) Sorry about the rant.

what station are they playing this on? I heard alot of them are refusing to air it.