• Tote the Note Podcast: "Compliant BHPH Underwriting" with Guest Attorney Steve Levine and Co-moderator Brent Carmichael
    Apr 26 2023

    In Buy Here Pay Here (BHPH), dealers often find themselves in the difficult position of trying to provide creative and flexible financing to consumers who require an unconventional solution. So, how can dealers navigate the gray areas and remain fully compliant? It's possible! In this episode, Attorney Steve Levine with Ignite Consulting Partners answers questions from host Jim Rhoads and Guest Host Brent Carmichael of NCM Associates.

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    42 Min.
  • HARD QUESTIONS with Brent Carmichael of NCM: "Where is Technology Most Needed in Buy Here Pay Here?"
    Jan 20 2023

    Brent Carmichael returns as a featured guest along with dealers Jeff Clark (NC) and Justin Wallman (OH) to discuss technology. Hear Brent's bold prediction about the future of the internet :) :) :) along with Jeff's "1000% agreement" with Justin about the biggest challenge facing even well-established BHPH dealers. Host Jim Rhoads talks about how the Buy Here Pay Here customer's shopping experience has changed and ways the customer hasn't.

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    27 Min.
  • HARD QUESTIONS with Brent Carmichael of NCM: "Should I Have a BHPH Service Department?"
    Jan 16 2023

    Brent Carmichael, Senior Moderator and Consultant with NCM Associates, joins host Jim Rhoads to take on another hard question for BHPH dealers - when to add a service department. Brent and Jim compare notes on the factors to consider in making this difficult decision. Hear Brent discuss the pros and cons of bringing vehicle repair work in-house - both customer repairs and reconditioning of the dealer's inventory.

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    45 Min.
  • HARD QUESTIONS: Why No Blue Sky Value In Buy Here Pay Here (BHPH) (2 of 3)
    Oct 11 2022

    A 'Tote the Note' podcast episode hosted by Jim Rhoads. Hear from guests Ken Shilson and Brent Carmichael in the 2022 series entitled "Hardest Questions in Buy Here Pay Here." This is episode #2 of a 3-part mini-series on blue sky (or lack thereof) in the Buy Here Pay Here space. Episode #2 offers solutions for creating "transferable" value.

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    26 Min.
  • REVEALED with guest Bill Elizondo of NIADA: "How Leasing/LHPH Differs from Buy Here Pay Here (BHPH)"
    Oct 11 2022

    Bill Elizondo joins for a "no dog in the fight" discussion about how leasing or Lease Here Pay Here (LHPH) compares for traditional Buy Here Pay Here (BHPH) dealers originating retail installment contracts. Neither Bill nor host, Jim Rhoads, lobbies for one or the other. Instead, the two share their experience regarding the pros and cons associated with each.

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    42 Min.
  • HARD QUESTIONS: Why No Blue Sky Value In Buy Here Pay Here (BHPH) (1 of 3)
    Oct 11 2022

    A 'Tote the Note" podcast episode hosted by Jim Rhoads. Hear from guests Ken Shilson and Brent Carmichael in the 2022 series entitled "Hardest Questions in Buy Here Pay Here." This is episode #1 on a 3-part mini-series on blue sky (or lack thereof) in the Buy Here Pay Here space. Episode 1 focuses mostly on framing the industry-wide problem.

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    33 Min.
  • Tommy Brandis, a 30-year Buy Here Pay Here Dealer, Talks Customer Retention
    Oct 11 2022

    Hear Tommy, creator of the BHPH Success group on Facebook, talk about his early days of customer service and which parts still apply today. He offers some tips that only someone with his attitude and experience could. In particular, listen for him to explain why he refers to BHPH customers as "survivors." #bhph #buyherepayhere #automotive #finance #subprime #customerservice

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    26 Min.
  • HARD QUESTIONS with Brent Carmichael of NCM: "Why Dealers Fail in Buy Here Pay Here (BHPH)"
    Sep 4 2022

    Brent Carmichael, Senior Moderator of NCM Associates joins Jim Rhoads again for the "Hardest Questions in Buy Here Pay Here" series. Jim says "In this episode we share some common denominators we've observed among the BHPH operations we've seen fail or struggle. Listen 'til the end to get all the great tips!" Brent can be reached at bcarmichael@ncmassociates.com and Jim is at jrhoads@octane.group or on YouTube at Jim Rhoads - The Octane Group [BHPH] ​

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    41 Min.