Auto Finance Risk Management
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Brad Emerson commented on Marcie Belles's blog post 'Take the AutoFinanceNews.net 2012 Car-Sales Crystal Ball Challenge'
13,800,000
Brad Emerson commented on Marcie Belles's blog post 'Residual Values: A Collaborative Approach'
As someone who starting an auto leasing company (Vanguard Credit dba Decisive) especially for used cars back in 1997, I can relate to your article. In fact, our company has become more of a consultant to lessors in recent years because of the…
Brad Emerson replied to Marcie Belles's discussion 'Mass. AG Prosecutes Man for Auto Loan Scam' in the group Auto Finance Risk Management
We need more prosecution like this. In southern California, our experience has been that it is tremendously difficult to get law enforce to work these kinds of cases.
Brad Emerson commented on Marcie Belles's blog post 'Take the AutoFinanceNews.net 2011 Car-Sales Crystal Ball Challenge'
13,200,000 - still short of scrappage rate, but making progress.
Brad Emerson replied to Marcie Belles's discussion 'Low-Rate Loss Leaders' in the group Marketing Ideas
I don't think rates like this are effective at getting customers onto the showroom floor for a couple of reasons. First, the auto buying public is pretty well conditioned to wait for "0.0%" giveaways from the manufacturers. Second,…
Brad Emerson replied to Marcie Belles's discussion 'Depositing the Down Payment' in the group Marketing Ideas
OK, but the consumer is not getting the down payment back at the end of the loan. In either case, the consumer is paying the exact same price for the car regardless of whether it is a savings account or a down payment.
Down payment: Consumer pays…
Brad Emerson replied to Marcie Belles's discussion 'Depositing the Down Payment' in the group Marketing Ideas
This is a bad deal for the consumer. David May is right. Using Marcie's example above, the consumer has to come up with $3,000 whether you call that a down payment or a savings account deposit. The question is what do we do with that…
Profile Information
- First & Last Name
- Brad Emerson
- Corporate Title
- President
- Company
- Decisive
- Company Description
- Loan, balloon loan & lease origination software; portfolio analytic services
- City, ST
- Santa Barbara, CA
Comment Wall (5 comments)
- At 4:57pm on October 4, 2010,
Glenn S. Gottfried said… - Brad,
It is my hope that 2010 ends well for you, your organization and our industry. I would like to introduce you to my company, GripFin, Inc., which provides advisory and investment services to auto portfolio buyers and sellers of all sizes and credit spectrums. I would appreciate your visiting my profile and inviting me to become your friend. Thanks, Glenn Gottfried, CEO, GripFin, Inc.
- At 2:59pm on August 6, 2009,
Bill Thaxton said… - Brad
Absolutely. Call anytime at 503-387-5751 or e-mail to Bill@ThaxtonRecruiting.com
Thanks, Bill
- At 12:12pm on August 6, 2009,
Tom Wolfe said… - Good morning < i hope all is well
- At 2:48pm on November 3, 2008,
Marcie Belles said… - Looking forward to it...
-Marcie
- At 11:45am on October 23, 2008,
Marcie Belles said…
- Hey, Brad! I owe you a phone call -- I haven't forgotten. Give me another day or so... -Marcie
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