It is also amazing how this article was surfaced via my Google Now because Google knew I was interested in this kind of stuff. If Google was evil, they would never surface this type of article that has a opposite position to Google. Also that Ad shown at the bottom of this article was probably targeted based on Google data which ultimately helps you as the author monetize the traffic you are getting.
Despite being one of the fastest growing segments in the auto sales industry, there is no official definition for “Buy Here Pay Here”, or “BHPH”, which often leaves it to be misunderstood. To put it simply, BHPH is when a car loan is obtained directly from the dealer and not a 3rd party, such as a bank or finance company. The payments are made directly to the dealer which has coined the term “in-house” financing.
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The only difference here is the customer’s shopping experience. At a traditional dealership, the financial conversation is often the last part of your experience. After you've seen a few models, asked a host of car questions, and possibly test driven one, the dealer will help you explore payment options. At a BHPH dealership, the process is usually reversed. The dealer will ask you a series of questions, possibly run a credit report, and invest in understanding your credit history before showing you available cars. Finally, with your monthly payment range and down payment information factored, you will be shown cars that are right for you and your unique financial situation.
Everybody who uses the Facebook-app agrees that his/her entire phone book is uploaded to Facebook. This means that even if you're not using Google, not using WhatsApp and don't have a Facebook-account, your name, phone number, birthday and likely your address is already in Facebook's databases as soon as one of your colleagues uses that app - and this WITHOUT even asking you if you agree with Facebook having your data - thank your friends for uploading your data without asking you first. If there are more than two or three of your friends who use the Facebook-app, Facebook is already able to profile you pretty good according to your friends, their friends and all their preferences - without asking you for any agreement for this profiling. Comparing to that, I prefer Google's style of data-collecting since they show you very transparent that and what data they are collecting - and you still can opt out (or even have to opt in in first place) from everything. The true "privacy-enemy" are Facebook and similar, not Google...
Adding an extra layer of two-facedness to life is a step backwards, not forwards, IMHO. Speaking from experience of what it is like to be watched constantly (in a given context, community etc, pre-internet) and the damage done to one's humanity is SEVERE. Or some derivation of 'severe'. This is the thing: depending on how conformist one is [born to be]. Hence why scared, overly-conformist people who think this makes them safe, think that no harm can be done by being watched all the time. They value conformity and don't realise that taking that too far makes humans into robots and creates fascism etc.
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Not exactly. Lee Credit Express does provide auto financing through its own finance company. This allows us to finance customers who can't get an auto loan from a traditional lender because of bad credit, which is what a 'buy here pay here' dealer does. But that is where the similarities end. Customers don't have to make payments at our dealerships, they simply mail their payments to the finance company. And unlike most Maine 'buy here pay here' dealers, we have newer cars and service contracts that protect your investment. We consider it 'buy here pay here' done right.