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What to Watch Out For If You Decide to Finance at a Dealership

I am going to make this a simple article to read. I want you to be able to read this whole article and understand it before you make your next vehicle purchase.

Yeah, the economy isn’t the greatest right now. Yeah, nearly all industries are down on sales.

You see commercials on TV all the time talking about how now is the best time to buy a car. It is, BUT…..

You see, the auto industry is struggling. So of course, to get people to come in and purchase a car they need to advertise these “great” deals and show you how you can get their employee pricing! Sounds exciting, eh? Well if you walk in there with cash, maybe you are going to get a great deal. Actually, you probably are assuming you can negotiate a good deal.

But what if you are going in there without cash? Or without your own financing? Are you really going to get such a great deal? Well you may receive your dream car at employee pricing and they may promise you that its the best they can do on price.

Lets take a close look at their financing techniques.

Did you know that dealers really do shop for the best rate for you? Yeah, they do! However, they won’t give you that best rate! They shop for the best rate then give you a higher one. How? They are allowed to mark up your interest rate up to 2% higher than what they were quoted. That means that they are making profit off of the financing too. That can lead to you paying hundred to thousands more for your new car.

So think about this:

The car you are looking at costs $20,000.00 after manufacturer’s rebates. The dealership said they would take off an additional $1000.00 to get you to employee pricing. Sounds good, right? It is good. Now, you go to the financing office, they finance you at an 8% rate when you could have actually had a 6% rate. That will end up making you pay more, a lot more. They could have you paying a couple thousand dollars more in just interest! It makes that $1,000.00 discount look weak, doesn’t it?

The whole point here is to tell you that you need to be cautious when using dealer financing as if you know they aren’t making much from the car due to the incredible deal they gave you, they are going to make it up on the financing end of it.

Always negotiate interest rates. You wouldn’t ever take them up on their first offer on the price of the car would you? Nope. So treat the first offer on the interest rates the same too. A lot of dealers won’t even tell you what the rate is. Be sure to ask.

They have their own special programs through the car manufacturers to make up for lost profit. Don’t let them fool you. It is called dealer hold back. It is tough to negotiate into that.

3 Email Marketing Tips to Increase Your Sales

Email marketing is a great way to bring in new sales, promote your business, and stay in touch with previous customers. The great thing is that if you use this in the right way, you can end up increasing the sales that you make on a regular basis. Here are some of the most important email marketing tips that will help you start racking up more money in sales.

Tip #1 – Make Emails Personal

If you are looking for great email marketing tips to increase your sales, one important one to use is to make your emails personal when you send them out. People enjoy it when you use their name. Just as a small store draws customers because of the personalized service and store owners that know them by name, you can do this on the web by making sure that marketing emails are made personal too.

Just make sure you either use their name or you choose another way to open the email. No one will want an email that says “Unknown” instead of their actual name.

Tip #2 – Keep Subjects Honest

Another of the email marketing tips you should remember is to keep the subject lines of your emails honest. Ensure that the subject you choose is going to capture the interest of the reader, but it must be relevant to your email or you will begin to lose the trust of your readers.

Usually if the first few sentences don’t relate to the subject, most people will stop reading right away. Make sure that your subject line doesn’t look like spam either. Many people simply look at the subject to determine whether to simply mark the email as spam and go on.

Tip #3 – Test Your Campaigns

It’s definitely important that you test your campaigns if you plan on making more sales. This is one of the most important email marketing tips to keep in mind. Create your own test groups and look at the format of emails before sending them out.

Test the links in the email to make sure that you have formatted them properly so they work right. Do some testing when you send out mailings to see how effective your message was. The more you test, the more you will find out what really works best for converting people on your list into sales for your company.

It is possible to make more sales if you know how to properly use your mailing list. If you’re ready to start making more money from sales, make sure you use these three important email marketing tips. You’ll quickly start seeing a difference and you’ll be able to enjoy the money that the sales bring in.