[theoddz]

I'm a Dodge lover and I'm on my 4th Dodge truck, a 2011 Dodge Ram 1500 Big Horn (Hemi 5.7L w/ 20 in. rims) Quad Cab. Out of the 4 trucks, only one was bought used......a 1999 Ram, and 3 of the 4 were full sized Rams with one (the first truck) a new '94 Dakota.

One thing I do is to get my financing lined up and pre-authorized from my credit union, which is Navy Federal Credit Union before I ever go in to seriously look at a vehicle. I NEVER let the salesman know what financing I have available, or if I am interested (or not) in their financing, or if I'm going to trade or what I'm prepared to put down, specifically. The great majority of the big money they make on their deals is in the financing and (extended) warranties they sell. I always, always act undecided (read....."poker face") and never give them the impression that I'm anxious or impressed by any of the numbers they throw out, or any vehicle in particular, even if I am. When I find the truck/vehicle I want, I let them know what I am prepared to pay for that truck/vehicle. I always go in to shop fully knowing what the value of these trucks are, both wholesale and retail. I also have a general idea about what the true price is that the dealer paid for that vehicle and I know exactly what my truck is worth.....either if I sell it myself and the trade in value. The actual price of the new vehicle is what I am interested in and NOT what the sticker says, is what I negotiate on. When we get to a "close" price is with negotiating, I THEN tell them what I have to put down in cash and what I need to get for a trade on my truck. Now, don't get me wrong.....I am prepared to give a little, take a little, but I don't let them know what my true high dollar is on the deal. What I'm interested in is their LOW dollar. I never, NEVER shop for a payment amount!!!! These days, with the prices of cars and trucks being what they are, these dealers love to stretch your payment terms out as long as they can, even beyond the length of time that the vehicle "life expectancy" might be. The longer they stretch the payments out, the more interest the buyer pays. I NEVER finance longer than 4 years.....period. If I can't afford a 4 year payment, I don't buy it. Period. No car/truck is worth paying for after it's in the junk yard.

Lastly, I use the "walk away" technique to budge a stubborn salesman into lowering his price. That's what gets them the most and I have ALWAYS had success with this!!! I've literally had salesmen frantically lowering their "low dollar" amounts while I was climbing in to my truck and telling them that I was heading over to a competitor for a better deal. The last salesman I dealt with was almost trying to climb in my driver's side window while talking like an auctioneer to get me to stay and deal!!! I laughed my ass off about it once I got home with my new truck on that one!!! I have always gotten good deals and........

I always pay the vehicle off early.

It's like the parting shot and a testament to my thriftiness (read....TIGHT).

~Theo~