Like a car or furniture. I know people out there do it and get better deals. I come across as fairly timid. I'd like to learn how to get past that in negotiations.\n\nIf it makes any difference, I've saved up for the purchase meaning that we won't have to deal with any credit issues.
135957
Others have given you really good tips on negotiating with a salesperson, so I will just throw in some basics on negotiating in general.\n\nFirst off, know exactly what you are willing to pay, and don't quit until you get what you want for that price. A good salesman (and I should know, as I am married to one) knows the art of the sale, which involves a lot of psychology. Don't let the mind games throw you off.\n\nKnow what a reasonable price is for the item you want. There is a price that absolutely no one is going to go below, a price that is really ridiculous. Don't go there because you are just going to be disappointed. Do your homework and find out as much as you can about the item you want to buy, and find out what that reasonable basement price is. That's your goal.\n\nBe willing to walk away, and I don't mean just out to the parking lot, but away for good. If they aren't willing to negotiate with you, find someone else who is. You have cash, and someone is going to be willing to do business with you, on your terms.\n\nNever ever mention the price you are willing to pay. Offer a sum considerably lower than what you are willing to pay. That way there is plenty of wiggle room for you to go back and forth with offers and counter offers. If you start out offering 65-70% of what you are willing to pay, that leaves you room for two really good counter offers before you settle on a price. \n\nDon't get emotionally involved. I don't know the exact percentage, but I do know that more than half of sales where the buyer feels they paid to much take place because the prospective buyer let their emotions get in the way. Don't fall in love with the vision of yourself in that little red convertible, because it will undo all your work. \n\nThis last pointer is terrible, but it's a fact of life. If you are woman, consider taking a man with you. Many salespeople think that a woman can be walked on, but will tread more carefully if there's a man on hand. A strong-willed man is the best bet. Take your dad, brother, or boyfriend with you, and discuss your strategy ahead of time. Let him be the strong one, even if that feels like you are giving up control of the situation--just make sure he knows exactly what you want him to do.\n\nBest of luck :)
67637
I just met a fella that is going through negotiations with Honda for a motorcycle / ATV franchise...depending on your favorite or preferred make, that might be an option.  I have also met people that become dealers such as you see with cars - google your preference, and see what pops up.  The other thing you can do to give yourself more leeway with what you stock for inventory is to contact your state offices (ask a car dealer where to go for numbers), and get a license to sell anything with an engine, then set up a lot / shop for cycles (new & used).  I've seen some great shops in the last couple of years... there's some brilliant things you can do with this idea.
544967
Remember people buy on emotion. To get your foot in the door you need to have a strong intent statement. Try working on the premise that if homes do not have cavity wall insulation, their homes may be illeligible for insurance in the event of damage. Fear of Loss and Hope for Gain are two drivers that get buying commitments. \n\nI sell timeshare. In my work, I explain that by NOT taking a vacation,people are being consumed by stress related illness through overworking and risk marital problems through lack of spending quality time out of the home. People buy my product because they are afraid to lose their health and the bond with their family.\n\nIf you are a good salesman and are finding the product has low sales appeal, find a product you really believe in. Emotion creates motion! Good luck
352118
That's no bargain...so purchase independently or tell him about it.  Maybe they are being raked over the coals..so to speak.
603978
Not really, reading the contract before signing is key.   If you didn't sign anything than just return it.  \n\nThis is very common, a salesman will straight out lie to get the sale knowing there is nothing that can be done after the fact, if the customer catches it before hand he can go oops, if they don't then he gets the sale and moves on....\n\njust another reason why the buyer always needs to keep their eye open
126070
hey, im a  finance manager for a dealership,yes you can buy a lot of finance companies have first time buyer programs,however you will have a higher rate and may need some mony down just stay alway from buy here pay here lots they sell high mileage cars at high prices and do not report to the credit bueau good luck
481373
Hi there. Generally speaking your FICO score is between 300-850 with 620 being considered good enough to get a lower interest rate. Different sources score somewhat differently. When buying a car do not settle for the sticker price. Try to get 1-2 thousand knocked off. If at all possible, try to finance for no more than 2 years. This is difficult for most people. By doing so you will save thousands in interest on the loan. Do not tell the dealer how much money you have as a down payment initially. Mention that there is another car at another dealership that has offered you a better deal. (Sometimes it's just a game of BS) and I don't know why. It's just a matter of how high a profit the dealer makes.Don't be discouraged. If they won't budge, go somewhere else. Try to dress nice. It seems to make a difference on how you are treated. Good luck and never let them pressure you into any deal you are not comfortable with.
44265
Advertise a lot.  \n\nHowever, the one thing that turns me off when going to buy a car is when there are salesmen hovering at the door!!  They are like vultures waiting for their next prey.  I have driven past auto lots where I've seen them standing there, just waiting!
14000
My experience: negotiate it yourself.  You'll save money, and you will become more aware of your own financial situation. Getting your debts under control is half the battle.  Check out our free weblogs to learn simple steps to fix your own credit report yourself.  Good luck!
521149
They are ripping you off. There are tons of companies that can help the only thing is when people are stressed by debt they end up making wrong decisions.\nso you want to read up on it all so that you'll be able to find a good deal and not fall pray of any con artist.\nhere you'll find tons more info than I could possibly\nwrite myself. It'll take a bit but it's your money and well worth\ntaking your time over it\nhttp://credit-cards.ebookorama.com\nand here http://finance.ebookorama.com \nalso plenty more to read here\nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com\ngood luck!
272379
Yes.  If you must purchase a new car, put it off until after you have signed your mortgage and purchased the house--- not just the preapproval process. If you need the car now, then you may consider waiting a bit before buying the home. Any new debt--- even a credit card that you never actually purchase anything with--- causes your credit to go down a bit; it comes back up with a couple of months of regular payment history but that 20 point difference can make a huge impact on your mortgage terms. Also many big purchases in a short time will make your credit look like you may be on your way to overextended. Lenders, especially mortgage lenders, like to see a history of carrying that amount of debt and when the size of the debt changes dramatically, you no longer have any history of being able to pay.
447533
Right now, you're probably "upside down" on your cars.  That means you owe more on them than what you could sell them for.  You are proposing getting upside down on a much bigger scale... that's moving backwards financially, not forwards.  Do not do it.  \n\nSell the cars even at a loss and don't get a loan for more than 100% (even that's stretching it).  You can then buy lesser cars (preferably cash) and then your payments and insurance won't be eating you out of house and home...literally.\n\nEven if this takes time, it is worth it.  Keep your credit clean - make payments on time and stop overstretching yourself.  At the minimum, save up your own closing costs and prepaids.  If you do get an 80/20 loan (two loans, equaling 100% of the sales price), make extra payments to the 20% part and pay it off early.  DO NOT BUY EXPENSIVE CARS AFTER MOVING IN AND KILL THIS OPTION.  Also, don't go out and buy all the appliances on credit and sink yourself into more debt.  Go look in the newspaper and buy used fridge, washer, dryer with cash as you can.  Don't fall for the "24 months same as cash" scams.  They know that you're over extending yourself, and the interest will get on there when you don't pay it off by 24 months.\n\nGood luck with your first home.
461337
Don't play games with the customers. Be HONEST. Give them the best rate and the best closing cost. They will shop around and they will know that you are the best. Show that you care about them and not about your commission. Over time this will pay off because you will ask them for referrals and they will send people to you.\n\nAnd once you get a deal going, don't give up. I never saw a business where the product was so easy to sell and so hard to deliver.  Things will go wrong. There will be clouds on the title, the underwriter will give you fits. Be persistent. Also be sure to tell your customer NOT to open any new loans, change jobs, buy a car, or apply for any credit until after the loan is CLOSED. \n\nGood luck.
651631
My husband & I bought a foreclosed home last year.  We actually looked at several.  We chose this house because of its location.  It had been vacant for 2 years, and not well maintained prior to that.  We knew all of this before we made the offer of nearly 25% less than the asking price (which was low for the area to begin with).\n\nThere was some extra paperwork, mostly releasing the bank from any liability for things that did not work.  Nothing worked.  Our offer was accepted within 24 hours, and it still took 6 weeks to close on an unoccupied house with a cash purchase.\n\nWe have been doing renovations since December.  We have been doing them ourselves and have saved tens of thousands of dollars.  Even with all of the work we have still spent less than 1/2 of the curent market value of similar homes in this area.  If we had it to do over, we would.
548179
I buy on ebay a lot. I never buy anything in lots because I have the feeling that I will get something junky thrown in with the item or items that I really want.\n\nDon't know if that helps you but that is my opinion as a buyer.
515557
Good going!  Thumbs up to you.  (and yes, it's happened to me as well)\n\nReminds me of when I lived in Idaho a farmer went to the Chrysler dealership and wandered about the lot for half an hour without a single salesman coming to help him.  He was dressed in dusty working clothes and wearing a straw hat.  Now this dealership had just been taken over by an LA conglomerate and they'd brought in their own 'staff' and management and they assumed that the farmer was just a dreamer and not worth their while.\n\nFinally the farmer crossed the street to the Cadillac dealership, who was owned and operated by Idahoans, who knew of course, that farmers in SE Idaho often have several million dollars line of credit or actual cash once they've sold their crop.  He was immediately helped and within 15 minutes had written a check for the full amount of a Caddy De Ville.  The farmer, to make a point, gave a salesman a hundred dollar bill to run across the street and tell the Chrysler people what had happened and that furthermore, he would be sure to tell all his friends and associates about the rude behavior he'd received.\n\nNine months later, the dealership was up for sale at a bargain price...made the paper and everything...that farmer did have a mean streak!
122328
Kat,\n\nYou leave out some important details.  \n\nI'm going to assume from your comment that you don't have credit right now because you purchase everything in cash, right?  I did that when I was young.  Paid cash for my car and did't have a card.  Had $20,000 in the bank to put down for a mortgage.  They wanted to refuse my loan because I didn't have a credit history!  Lucky for me, they had a loan manager who had sense enough to look beyond a credit report.\n\nWhat about your husband?  Does he have a credit history?  Good or bad credit?  Remember that they will be looking at his score also if you both plan to be on the loan.  If he has good credit you may not even have a problem.\n\nAs the others mentioned, you need to build a credit history.   How long from the time you buy this car on credit, until you start looking for a home?  Credit Guru is correct, it won't help you much to pay it off immediately.\n\nHaving a big down payment for the home may impress the mortgage company into giving you the loan without an impressive credit score.  Worked for me.\n\nIf you really need the car right now, consider paying it off in cash when you buy it. Many car dealers will cut you a very good price if you are paying up front.\n\nBefore you go any futher, go to the link I supplied below. You are trying toimprove your credit score, so you need to understand exactly how they calculate it.  MYFICO is the folks to developed the scoring system, and their site has lots of information on establishing and improving your score.\n\nAfter your have educated yourself you can make better decisions on how you can proceed.\n\nI sure wish I had your problems. Wanna trade?