15: Other People's Money episode artwork

EPISODE · Jan 18, 2019 · 45 MIN

15: Other People's Money

from All Torque Car Podcast · host All Torque Podcast Pty Ltd

Joining us today is Bradford Berry, Senior Business Manager from North Shore BMW, explaining the finance process and the changes over the last couple of years to BMW Finance to make it customer focused.  The boys ask Brad if he can explain dealer delivery. The boys debate their favourite Porsche.  Halil compares customer experiences between dealers.  The boys discuss the new Supra and Z4.  Ross buys a racing drone and what would you buy if you won the $100 million Powerball? Find us on Instagram and Facebook and meail us at [email protected] 

Joining us today is Bradford Berry, Senior Business Manager from North Shore BMW, explaining the finance process and the changes over the last couple of years to BMW Finance to make it customer focused.  The boys ask Brad if he can explain dealer delivery. The boys debate their favourite Porsche.  Halil compares customer experiences between dealers.  The boys discuss the new Supra and Z4.  Ross buys a racing drone and what would you buy if you won the $100 million Powerball? Find us on Instagram and Facebook and meail us at [email protected]

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15: Other People's Money

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This press pork with barbecue sauce and all the onions and pickles. I feel the fish I don't know if you hear it. No? Well, I don't have good powers of my blog.

You don't have good powers of my blog? We've got two of everyone. You're listening to the all talk car podcast and other episode and you're here in Hello Lords with us today. How are you?

Welcome. Ross. How are you? Good evening.

Very good evening. And we've got I guess today Raffa Berry is a senior business manager from North Shore, Vibed, noted. He's now talked about how to get free money to buy the best cars in the world. Absolutely.

Good thanks for having me. Sorry mate. My name's Guy with Carboy. I hope for the cars first.

Cars first? Yeah, for sure. Love them. Always have since they got.

What have you got? Nothing. I don't think because I work with them. I've been pretty lucky.

I've been working with a lot of amazing brands over the years. And at the moment, of course, for the last five or six years it's been with BMW. So you can get two further up the tree than that. So basically what you've been doing in the last couple of years?

Yes, so it was a book of cost five. You've seen my six years with BMW. Hey! Hey!

There's the evening course. So you've got big dollars. So you've got big dollars. You've got to drive down the nice one?

Yeah, nice. Good for Cabernet. Good for the fourth cup of the roof. So it's like the bike bike, I'm really still.

It's like a blue issue. It's like a blue issue. It's like a white interior. It's like a light interior.

It's like a white. It's a white exterior. It's not a light interior. It's either.

It's actually so western if you want to be ex. It's just 836. Oh, like, you're like. No, no, no, 836.

No, no, no, 836. No, no, no, no, no, no. I didn't have a purple one. No, no, no, it's not.

No, no, no, no, no. That's the one that's the one that's still going here in the pilot. We can do it right now. We've got a bunch of them.

You're a horse, alright? Well, there's not too many secrets about it, love them. I think they're a fabulous brand with brilliant heritage and the nine leaven is just as is. Oh, the nine leavens?

Well, the tard isn't it? Cos you look at the new target and that's the head that's connected with the entire... Then you go backwards and you go back to, you know, three, five, sixes, you know, the first nine, one, two, one, two, one, two, just... What's the ninth leaven?

What's the ninth leaven? What's the ninth leaven? Oh, the whole thing from... The whole thing from...

The whole thing from the ninth leaven? Is that the thing at the front? No, no, no, no. What's the thing about the whole thing?

I think it was a collector card. Yes, it was. If you were to get into the other one, collect this. 968.

No, 928. Once we hear the sayy, 964, 2-0, 994, 3-0. I've driven a 9-0 to a lowest from Melbourne, and that's a beautiful card. I just want to know if it's new, doesn't have to be...

I could not be bothered. Yeah, I'm lazy. You've got technology. Well, our previous...

We've seen them fine. Yeah, our previous... I've seen them talking about... We've seen them talking about...

The previous host, David, leading edge, detailing. He had a 964, 2-0 in detail in the week. Apparently, it's a very, very low-corpant up. It's a very noisy card, and I have to say that, apparently, in the high six-fidders.

Nice. Yeah, big money. Yeah, they're out there. Yeah, very special.

I think I'll check that. Blue-ish put. Yeah, I'll do it again, Brad. We had a work at Porsche Finance.

No, I haven't. I came very close to it, but talked out of it from the wife, and allocated the bits elsewhere, not the time, or anything. Oh, it's correct. It's one of those bits.

I mean, I figure it's about timing, and we're pretty lucky on the idea, but some say someone will trade the right card. We're not looking for one, and I'll be able to jump on it. Yeah, I should have done. I shouldn't have bought first, because they're more expensive, and then say, honey, you're a right, you're made of estate.

I'm still looking for one. Because then they're not being sold at the bank, I'll be a horse all the way for the horse. Either way, we know where it's lost. Yeah, follow the fancy ball.

So, they're going to be finance. How's it going? You look good. I mean, the whole finance world, both through automotive, and general, that means being pretty tumultuous in the last last couple years.

We've been, you've done an exceptional job getting through it. The streets ahead at the moment of a lot of their competitors from a compliance and transparency point of view, so they've changed their processes, which is all really customer-facing stuff. They've got a whole thing that they refer to as trust care easy, which is just basically meaning that they're trying to be easy to transact with, make things incredibly transparent for their customers, and just an easy process for one. I think they've been done by the brands, which we don't want.

Well, I've been to customers such as it. I've always been to finance. Full circle? No, no, no, no.

Full circle is great. Yeah, great. I do it at the 845,000. Yeah.

Full circle. No circle. That's cool. I've been to finance.

I've always had the wife's card, had global lunes and had other sold-able trade. That's right. No, no, no. No one wants to buy anything forever.

I mean, how about buying a new foreign homey house? You had a lot of money. I think maybe two or three. It's not the one that had this.

Yeah, it's like, I know it's had more suspension wheels and cars. Right. You've got to be a w-o-o-sister. It's a w-o-o-sister.

It's a w-o-sister. It's a w-o-sister. Yeah. It's a w-o-sister.

So what's the percentage of buyers that find it? Is it all finance or just people turn up with the hard of a thing? There's lots of different sets around it. I mean, lenders will say that 95% of people find their cars one way or other.

And that will be from pulling, you know, equity out of property, you know, trading in a car that they've previously had funds on remits of it all. We run probably about 65% of our finance customers at Chatham and Mossman through the buyback program. And about half of the overall customers maybe a little bit more, a little bit less. So the buyback program is the full-source level.

It's a look. It's fabulous. So BMW, carry the risk on the car. So that's basically his hit handle and you want to buy in the car for him, he can't even want to do.

They have a lovely algorithm that just fits out what they're willing to buy the car back for at the end. That effectively sets the residual on the car. You're a payment of the three years you give the keys back if you want to, or you write a check to take the full ownership. The car's worth more than what the party is, the money's yours, if it's worth less than BMW's.

I put the standard wheels to suspension back on. I'm very impatient. There's no, you're right. The trick with leasing or financing a car every short period reduces the market pay list, but you've got that lottery at the end.

It's like, I can't pay to be worth that amount. And that's why you buy a tent to pay a walk and walk and walk and walk and have that. And there's a real shift with it. I might have a client a couple of years ago that had two cars.

He was a new client to me. He was trading in two cars. He had almost 150 grand worth of money, and then with the money's equity cost is two cars. Of course he'd done five-year term, big balloon forever.

Never done stay out. Really late. He'd changed the car every couple of years. He said, okay, well, can you move me from this and it's something else.

I said, well, yeah, but I'm still going to deal with this short period. And he was only like, well, 750, either. He said, 760, M.I.A. year.

I think some of the lenders as well. I know that when I was getting to H.S.V. they were getting like, when it's half a 30 grand car. It was like, well, yeah, like 30 grand balloon.

Yeah. So I mean, there's a... No, don't get off of me more with the rack as far as well. It's actually taking the lower, lower balloon.

But at the time, I was like, well, you can use a bit of say, I'm not going to lease the car. I'm going to buy it out. I'm going to buy it out. I'm going to buy it out.

I'm going to pay off over 30. It's not something expensive. No, it's not. I'm going to say, you're going for it.

I'm going to say, you're going for it. I'm going to say, you're going for it. I'm going to be the home lane brokers. They're the ones.

They said they're going to be the home lane. I'm going to buy it out. I'm going to buy it out. I'm going for it.

You've got an extra hundred grand on your house. It's not an extra hundred grand on your house. There you go. You've got a track of it.

I mean, if you put a hundred grand on your house and you, you know, do that again over 30, he said, it doesn't make it massive on your cash flow. But what you pay back is extra like. That's right. If you look at the three or four year term, you're paying $500 a month to have $100,000.

He's renting it right? You pay that long away. You've got no risk for exposure at the end. But the industry is using hand-offing back.

If you want to change down. If you want to change down. Get the baby. Get the baby.

I'll just do a pick those and give it back on the warranty. Yeah, what's the warranty? Give it a bit. But the whole buying term is shortening.

When you look at combining, guarantee by that stuff, you look at the warranty's on cars, you look at the models cycles and how quickly technology's moving. I mean, who has a iPhone 5? No, right. Some cycles have a weekend, you go to a iPhone 5.

My kids top up very heavy. Yeah, heavy down, heavy down, right? But you look at the phones around the table, they're all your old. The cars get the same light.

I believe they're too quick not to. If it comes down to it's some people, they like, they're like, people who use this obviously due for their, for business reasons, tax reasons. But like, I always get my phones on planes, but I'm at least, a lot. Because that's the end of it.

Keeps the demo. Little bit different from your phone, but from your technology front, you look at the difference in the phone from now, those are two years ago. That's right. I had a client on the weekend who, who had an F15, X5, so the last of the old shake.

Good car. Right. And that part makes it a new X5. And even, you know, had myself around all the time, the F15, the three is not, it looked in his arm.

Because the new ones, all the tech in it, it's all flat, it's all fabulous. And you're having those shorter cycles where you can just be in and out of cars. All very special. And that option, you know, you have the...

Charles, you're asking Crystal. He's a great guy. Crystal. He's a plastic.

No, no, no, no. That's what you're saying. Anything you find that I've got is an up-beat customer. Donkeys, you can't buy the cars.

It doesn't mean you've got to buy the new W. Everything's your own description. You've got all the choice control and decisions. Yeah.

So, you know, it's all up to you. And we find out, my society customers, as you're getting towards the interview, if you've got a made-up work or a colleague of the guys who might have made a lot of money, you can't want to buy it. How much you give me for it? I'm making for a couple of more than money draws.

Funnies, you guys can care. You know? There you go. It's got a win.

You've got an extra win. You've got an extra win. You've got an extra win, you've got an Oscar in terms against the other line. Horror stories.

A win for now in the brand new Gmail. Pretty much free from all. During the first issues around the changes in lending, there were a few issues where people had been approved and then the documentation wasn't enough to get things settled, so there were times where people were in cars for awhile. But most would have got resolved, I think, thankfully from the compliance side certainly the teams that I've been involved with have been pretty tightly making sure the dealers' done their job right.

sure that the dealer's done their job right in not only setting up the loan but then being in a position to settle it. Are they drivers? I've had plenty of stories from mates where people have signed bits and then someone's had an accident or they've gone overseas they've missed a document they've not been able to find the bloke they've had to sit on something for six months not knowing where a car is and all about it can happen you know it's like in any business you've really got to put your eyes across the place. Yeah from a responsibility so I think through particularly through the BMW network the the beams are engaged in it are really well trained they're well versed in what they need to do to protect their customers and be compliant and they're sensible around what they need to do for my business to make sure that the dealer's just getting paid.

So there's not too many people floating around anymore that misses it. Can you pick them all the way? You'd be surprised how much of it is around here. Look it's there and the more experience to get you get them where you can pick it.

There's been a couple of blatant ones that I've been involved with over the 20 years that you sort of look back and get mad at. There was some really good quality stuff and sometimes it takes some really legalised and a couple of people to pick it up. I had a guy once a very very snip like a Japanese boat, a trunk by a six series and he wanted the car. He's all my documents came in with it already and he's going through it and he's going through it and he's going through it and there's all these sorts of things and banking and everything.

So I was like, hey, I'm going to be able to improve etc. And you pick it apart and looking at the property and looking at the address and I'm going, man that's a serious house. That's your proper title so try not to check it out. And it turns out the house was owned by a wrong image.

And it's like, okay, so you look at that and quickly go, okay so that doesn't quite match the story. We know there's a problem. As a business manager it's not so much a job to say yes it's all wrong it's terrible. Mr.

Castle I'm not going to help you. You just need to identify it and say to the financier and the compliance guys that I'm not quite comfortable on this when you check it as well and give me your thoughts and whatever because they've got much more detail ways of sniffing stuff out like that. Yeah, and it's pretty good application through. There's Jack's analysis I'm sure.

Yes, sure. All those paper and you know, but you get lots of paper and technology. It's incredible what can be created from a document maybe. And they get clever without a new stuff.

But I think financier is a larger, a pretty educated on what to keep an eye out for. And experience basically quickly like knowing signs and all you do is upscaling requires. And it can be that someone comes in you know, thinking God this blokes obviously it and they're not. You just have to have a nose and make sure that you're doing your job properly.

And then it's pretty quick. We from consumer lending used to take a while during the bumpy bits of sort of reengaging all the finance stuff that we can have someone in and out of there. As almost forgot the right documents up front and you may have a detail application with someone. And the infrastructureation is being for a lot of our clients from what they were used to in the past it was like that.

No, you are just giving me a place to look at where we know you know where we go. Whereas now the employers. Yeah. Whereas now the level of detail we need to go into around individual circumstance for cost of living, for debt positions and work and stuff.

Very different. So you know that the conversation is not a five minute one. It's probably a 30 minute one for an application and then the business manager does the work and then the cash that's your criminal. We ask all the hard questions.

Don't bring one. There's been a topping the last couple of weeks. Why do you guys charge? Why?

Because you guys asked for a 20 grand discount and the facts are dealers simply don't have the margin to give it. He's not what? Sorry? He's a good guy.

He's a good guy. He's a good guy. So I mean, do you really read the end today? We've got the hardy question.

We're getting the hardy question. We're getting the hardy question. That's why I'm talking about all the many people everywhere. So it's totally temporary next time.

Well, no, easy. I'm having a bad one. I'm having a bad one. Hey, yeah.

Oh, sorry. Sorry. Just so you know, I didn't slap you. No, I'm a skinny guy.

No, no, I'm having a pain. Problem is, you get your heart. That was Ross's doing it. It was more like they were destroying it.

Can there be virus stories of course they can? At the end of the day, it's deliberately something that's really tangible. It's not when you're in the climate discounting that's around. If you were sitting there and walking into Louis Vuitton to buy a $400 hamburger, then they said I'm going to judge you 500 bucks for the wrapping.

Different story. But you get a customer's walking to do issues, $100,000 like Carrick speaking to pay 80. We don't have 20% margins. It's not there.

So I think that's where people go in and go, the margins are there. It's not a car for you. It's not 30 or 40. The margins aren't there.

But is that because the whole sum market is that bad? Like, I've years ago someone said to me when I was working on a motor that was talking to a guy into a lot, and he was talking about the used car market. And he turned on and he goes, you guys understand one thing. The used car market is completely false.

It doesn't actually exist. People still sell their cars and whatnot. A lot of them don't do the white cars probably. What?

Yeah, it looks like it's still a bit part of it. We're seeing a lot of people with the ease of doing it now. Having a swing at Stigman on car sales thinking it's I'm going to pay on the backside of the wrong order. So I think two guys do it.

My car's worth it more. I think that's where the issue is because they will go, I still have some people who are going to make it because they don't know about my cars. I've got a three-year-old ex-three. The dealer's going to give me 40 grand.

Try it. Sorry. I've got 14. I've got a 14 grand.

It's 15 grand. They're online for 25. I saw one on car sales for 32,000. I put him on for 40 because mine's a bit of car up there.

And then don't do that. You can still give me a seat on it in five years. Just give it to the dealer and hear the keys back. Do you think that's a big deal?

Especially in C. You see me trying to think of Australia. You see me there because of Toronto? No.

It's the second day. They've got showrooms. Real-sized expensive in Sydney. Shangers?

They're already. No. These things are very risky. But you think that with the exception and there is something, you go in there and the showroom's fantastic.

Everything's fantastic. It's not as good. The service issue. So what do you reckon that?

What's good? Because you can't fly back to any of these. You've got to have a shower and lock that. You've got a hot cover of sales person.

But you've got a lot of service. No, no. Because I think that not the sales person is just the general service. So if you're walking in a Mercedes-Benz Sydney, I'm using a number of car on a set.

You know, using your demos. But if you're walking there, it is completely different to walking into and going to make them better ones inside of the room. But pay attention to that. So many books.

They don't want to use that. And the services. They want to see you. No, no, no.

It's also there. It's also there. We need to do all that. When you pass, they don't want commercial cars in here.

But if you walk into the showroom, it's nothing like, you're like, I can't. It's just, I'm just talking about that. That guy's back to what we're saying last week. People know what to do.

What we're saying last week. It's like a Mercedes. That's like a wrist over there. They've got canals, and cookies, and take a seat.

You know, they can. They've got concert. They've got concert. They've got concert.

They've got really good earwool. But you can just take their coffee and can always have a coffee. And I can't even call it. It's like, we're going to have a coffee.

Absolutely. But when you pay that for a day like delivery. You get coffee and can't? Right.

Right. What do you do? What do you do? What do you do?

What do you do? What do you do? What do you do? I don't pay the money.

I don't pay the money. But make me say the only thing that you want in relation to. I don't know. You might be the biggest hacker.

I've got the scholarship all the time. You've got the interest at none of your dollars are safe. No, no, no. What do you do?

It's not. But the thing is, there's very few. And as you guys, last couple went to another interview, it was appalling. It's 40 degrees outside.

I always looked in off the straight. I said, You can't all the way in the finance to brand life because I went by car for a bra. I walked into a key art on Tuesday. We don't know what we're going to do.

We want to be a Toronto GT. It's just not a new race. They're not surprising. No, it's not a small car.

It's not a small car. It's not a car. It's not a car. It's a great drive away.

That's what it wants. That's it. I walked into the dealership as a reason as everyone. Not a fantastic car.

I walked into the dealership, and I walked into the dealership. Now we bought a car off last year to see the same guy. And? Then you get the wrong guy.

Oh, well, well. He's pretty into the town. There were five people in that. Brad, can you say that it was a big, big, big, big, big.

I think Mark, where bros? What does he mean? He's going to have an M5 here. M5 here?

He's going to have a M5 here. I don't know. I don't know. He's got one for the other.

There's actually one for sale in the middle of it. No, but, yeah. The big, big, big, big, big, big, big, big, big. I don't know.

I'm going to leave it there. You'll be able to leave it there very much. The city's been one that has been pretty unsuccessful. It looks like a lot of it.

And what you're going to say is. You're on the dealership. Because I want 15 to 20 grand more, than you do one more. Why don't you kind of, Mark?

Why don't you kind of, Mark? No, relax. You're on the top of the range thing? No, no.

Really? I'm going to go. I think this is going to be straight in side forward. Not a highlight?

Well, I'll tell you. I'll tell you. I'll tell you. I'll tell you.

I'll tell you. He's already called my name for my products. I'll tell you. He's had a dealership, he's had a highlaxes up until not the car off that throttle.

Up until he's got a highlaxes, he's got a highlaxes. Every car he's got is a highlaxes. No, no, no, he's got his highlaxes, he will not touch the car. Because he knows all the guys in service, he'll be a touch up.

It's funny, I mean, Toyota I guess, this is... They've got the ball, but I have to admit, Toyota will go to cars, so this is what you say. They'll be looking at lists by the way. Some people say, I'm looking at the Lexus, what's in your car, Toyota will always go to cars.

Yeah, they get car. This is a good Kimba. It's the other one, it's the other one. You can sit here for your series.

Oh my God, have I? Sign me up, bro. This is what we have to be able to like a Lexus. It's got the little...

It's got the little... It's got the little bit of a good car. See how it makes him feel. It's got the same...

It's got the same... It's got the same... It's got the same... It's got the same...

Super-ooxes. Super-ooxes. Super-ooxes. It's got the same...

It's got the same... It looks like a sneaker. It looks like a shoe. And the other version of like an Alpha 4C, that's going to pump.

It's going to pump and it pumped it up. I just want to know that the Super-o is made by BMW. Well, it's all right. It's all right.

It's all right. It's all right. There's a 86 and a 4. It's all right.

So you don't look at the ZF4 yet? The U1 is the ZF4. The U1 is the four. The U1 is the four.

Do they look like two minutes on the ZF4? The ZF4, the only stuff that I've seen on the ZF4 is the right stuff. And the Super is the hard stuff. So, you know, I'm hoping that BMW will do a coup in an M, they probably will.

But I'm going to put the aggressive path with the new and just, I think, these restrictions and some new stuff through the range. But the new ZF4 in 4.0 is March, I think we're seeing it. And it needs to be abstracted. Yeah.

It's a lot of work for us. What type of person is it? 10 years ago, a type of person is buying ZF4 was a hit result. No, but that was more of an end.

Sorry, a hit result. No, no, no. I'm always like the ZF4. What type of person is it?

What type of person is it? It's a straight line. What is this for? It was the first time it was pretty empty because it was the first off.

It was the first off. It was a straight line. It was a different. The biggest thing.

The biggest thing. I had one traded with Rosebury. A manual, black on black 40 30s, white girl, like it was this car's perfect. She's got a black if I were ready to do it.

And then she traded it back to me. You got it. This was the most immaculate thing. I should have bought that car because it was a manual and perfect book.

She was a maniac. She was a leather car. She went like a leather car. She went like a leather car.

No, it's a sport. No. It's a sport. It's a sport.

It's a sport. It's a sport. It's a sport. It's a sport.

It's an iron to iron at the moment. It's like 54. And I have a modified 54. Yeah, yeah, yeah.

My name is Coco. It's a 12 years at the end of a term. You can also do. It's a pretty specialist link.

It's a little bit tricky. They still sort of look at the appreciation of an asset like that. I was talking only about $100 million powerball to $100. How do you invite?

Do you want to attract me? He's going to buy the deal with you. I'm going to buy the deal with you. I'm going to buy the deal with you.

I'm going to buy that deal with you. I'm going to buy that deal with you. I'm going to buy that deal with you. I'm going to start trading $4,000 deal with your family to be a bit of issues.

I think I'm going to get service. Well, I mean, that's the reason I was, then really is what people look for. But the tough thing is that they still want for 20 grandi's game as well. And it's hard to deliver one without allowing deliverables to make you see.

You've got the builder on the website. You're going to build your car. And then you go and just walk in with the same. What's the name of the sales guys aren't doing that much?

No, what's the sales guys own? This is where it helps. The sales guys don't really know a lot when you go to some brands. I mean, don't get me wrong.

You got to a big W deal with you where you were pro. And those guys knew what they were talking about. Every single aspect of the car. They knew every single aspect of the car.

The other thing you can do, they look at you like, what do you mean? It's not awful. At least because it's different. It's tough too.

Because you're trying to drive the thing, look, in my 18 to win, 19 on the car, if you stick your shit, you don't know about it. It's wild, it's charging standard. It's not an early type of thing. Whatever.

So I remember I started working for, it's been a bit of a bit of a bit of a bit of a bit. I started working very early in 1997 as a sales guy. And I had a five year sales career with him. And I can tell you, I could have told you every piece of information every month I had.

However, you were doing it right. Yeah, but it's all about four models. This is the thing, right? So back then you had an A3, you had an A4, you had an A6.

And normal and what were you doing? And then you got a C6. You had three engine in each of them. You had a four cylinder, a bigger four cylinder and an A6.

So you look at the golf at the minute. I think there's 60, 40 from there in some of the golf that's available in Australia. And then if you go to the right, I can say to someone, you need to know it in an hour. Go to the back of a wheels and a little cup of rain.

Just 400 versions of that. I didn't even know, I did not know that they chopped the roof off in a vike. What the hell was that? I don't want to tell you because you might have bought one.

I saw an RSQ3 this morning. I don't know, I can't wipe it. I don't know what. Small, compact, bigger, little second car.

40 seconds. Oh yeah, true. That's a rules up. What?

This is what you said to be your dude. Hey, GTO. Hello. It's actually worth more than it's weighting gold.

So the 250 GTO. The 250 GTO. Wait, what's 880 kilos? The last one that sold was like 43 million.

So let's get my car down to gold. So go back to the other way. Gold, I think that has like 55 grand a kilo and gold's 44 grand a kilo. Look, he's not insane.

You can't wipe this in a new car if you don't have a new car. You can't. You can't. You can't.

It's like out. If you're going around and selling this in a new car, I can see it in a little more. Next year is going to be $55. Can you try next year's going to be a good one?

Probably could find a channel to do that. I'll tell you about that later because we've got 100 million. It's too fine to do that. I'll tell you about 100 million.

I'll tell you about my real estate now. You're not going to get a coffee. No, no, I've got a theory. Here we go.

I'm going to go. I'm not going to get a coffee. You can't. Yes, you can.

You'll see me when us three. Sorry, break. When me, Pierre and Russell still do that podcast. He's not wearing a red one.

He's not wearing a red one. No, he's not wearing a red one. No, he's still making me. No, I'm going to fucking try.

I'm wearing a podcast from my fault. With my fault. It's great with that cell. My favorite of mine.

You can buy a mess around. You can buy two. Two jets of meat. And then I'm going to give all my family friends a pin on them.

And I can get the kids for wearing a mess. So, like, you mean me for pizza, guys? For pizza, for pizza, not really. Yes.

Love it. You're going to start with them. You're going to call me and pay me a second. I'm going to make a mess.

I'm going to make a mess. I'll tell you about that tomorrow. You guys shopping in Sweet Mose? Erm...

Yeah. I'll take a sip. I'll take a sip. I'll take a sip.

Can you come in and give me a minute? No, no, no, no. Go on, man. I'm going to make a drone racing.

Oh, for me. I've got to be dancing and jump online and watch all these guys with their vehicles and basically car parks flying drones. So, I'm going to drive. And I've become like a...

I feel like I'm going to call it a chair. It's like a movie director, like a producer. I'm out there. I was out at the Fingle Bay on the weekend.

I took some beautiful footage. It's a nice shot to the beach. It was good. I'm really enjoying it.

I'm going to get some VIRLs and I'll find somewhere where I can start racing my drone. Did you really port parts to the beach? I'm actually going to be a little bit hungry. It's a bit hungry.

I'm going to be a lady. I love this. Yeah, and I'm not going to... Okay, actually.

I bought some landing gear. I'm going to find wings, and you can actually modify them out as well as making a bit more. Anyways, yeah. I'm going to fly on the airport.

I'm going to fly on the airport so I can get the rest of the speciality. So, we could be a lot of swine in a restricted area on the Fingle Bay. Oh, I did do it. It was because it was a lot of flying aircraft.

I'm protesting. No, no, no. We'll be here. The military aircraft.

We'll be here with Fingle Bay. If Fingle Bay. Let's go, let's see if it's a hort. He's been crushed.

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Frequently Asked Questions

How long is this episode of All Torque Car Podcast?

This episode is 45 minutes long.

When was this All Torque Car Podcast episode published?

This episode was published on January 18, 2019.

What is this episode about?

Joining us today is Bradford Berry, Senior Business Manager from North Shore BMW, explaining the finance process and the changes over the last couple of years to BMW Finance to make it customer focused.  The boys ask Brad if he can explain dealer...

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Yes, a full transcript is available for this episode. You can read the complete transcript on the episode page.

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