Secrets To Buying The Right RV -

"The Freedom Program"
                                                                            by Hal Stein

From The Desk of Hal E. Stein:

“My Clients Save $ Thousands $”

• A Simple Way To:

  • Smart Buying

  • Smart Paying

  • Smart Protecting

News Flash: All Consumers -  Anybody who is selling an RV wants to make the sale and may hide information from you! They want to keep it simple and not add any confusion - so they neglect to inform you on buying correctly!

Hello, My name is Hal Stein and as a Professional Independent RV Consultant, I have perfected my fail-safe system for most of the last two decades. My expertise is to educate the consumer on construction, buying, paying and protecting their investment while, my purpose has been to protect my clients by guarding them with my step-by-step system on controlling the deal.

Our main goal here is to mentor and consult you with your legal and financial interests when purchasing large ticket items such as recreational vehicles. I founded the sub-sites of RV-Help.com for that reason; to create and offer a 100% safe haven that is needed by all RV consumers.

Let's start by saying, I’m not here to satisfy the manufacturers, the industry, or the dealerships. I’m only here to make sure my clients get the best RVing experience possible. You’ll find that alot of the sites and books written on RV's are associated with or written by ex- owners, GM’s, or managers; in other words, industry people. People that are loyal to the industry and in most cases are still connected to it in one way or another. They will not have your best interest at heart when it comes to their advice on purchasing an RV.  They could be the enemy!

Now, I’m not going to sit here and tell you where I attended school or where I worked over the last two decades.  I’m not applying for a job, so you don’t need to read my résumé. As far as experience - I have worked at some of the largest RV dealerships in the southwest since I moved here in 1991.

I’m pro industry because I grew up camping and I love RVing. – but, I’m pro industry from the standpoint of loving the RV lifestyle and I want to see it flourish for the right reasons and for the right values. Most of those values are based within the family unit and the bonds of friends and family.

Unfortunately, I am embarrassed with some of the intentional harmful procedures I see in the industry when it comes to taking advantage of the consumer. They come openly and willingly into the industry with trust in their heart, and quite frankly, are taken advantage of and are put in a position of damaging their personal portfolio because of legal,  but morally unethical policies at the dealership.

I always was a rebel when I was in the industry. When the Saturday morning sales meeting occurred, I was excused because of what management would call longevity, but it really was because I would stir up the pot, so to speak. I did not buy into the ‘sell at all costs’ mentality, because I knew that in some instances this wasn’t in my clients best interest. For example, when I first started working as an RV salesperson, I was shocked to learn that the main focus was not only on making the sale, but with the most profit allowed by law, and it did not matter what they had to do to get it.

Fact: You must understand that buying an RV is not simply going to a dealership, picking a floor plan and color and going out the first weekend and being in RV heaven. Oh that does happen, (a couple times out of a hundred), but I can offer you the peace of mind when you go to bed that night that you have put in place the few contingencies to make sure you came out the stone cold winner it the deal.

Quite honestly, all RV’s in alot of ways are the same. You can't reinvent the wheel. There are some differences that you need to know about on what to buy, but what will be more beneficial to you is to know how to buy it. Anybody can go in to a dealership and drop down 15K, 50K, 150K or 500K and sign some papers at the dealership. Congratulations, any 10-year-old 3rd grader can do that. They already know how to write their names. That’s all it takes. It doesn’t matter the amount of money we’re talking about; it can be their piggybacks or your piggy bank. The truth be told most RV buyers who thought they knew enough to buy an RV end up looking like they don’t know much more than a 3rd grader when they walk into a buzz saw hot shot salesman. It’s the smart educated buyer that covers the procedures to assure that the investment works for them.

You must have all the right information to make sure that you are in the position to counter every one of their objections, so that in the end of the day you are on the right end of the deal.

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What is an RV Freedom Program™?

My RV Freedom Program™ is the only program available in the country designed to blanket you with coverage in all facets of purchase and ownership. Its taken nearly two decades to gather all the elements of this system and for the first time I would like to offer it to you.

It will save you thousands of dollars, years of payments, and will lower your interest rate considerably.

I will reveal the secrets that I have been teaching, behind the closed doors of RV's, to my RV clients for years. You will now have the opportunity to have my unique program that I have taught my clients that gave them the edge and comfort in knowing that their investment would be an asset, not a debt.

The RV Freedom Program™ includes:

•     Step 1 - RV Payment Plan

•     Step 2 - Pre-Paid Legal Services®

•     Step 3 - Identity Theft Shield^SM

•     Step 4 - The Consultation

In step 4, I'll teach you is how to buy at zero down and penetrate pack, (which covers the cost of the RV) then buy back the points (which covers the interest rate)

In step 2, I'll teach you how to use an RV payment plan to bring the term in. (which covers the length of the loan and interest rates).

Note: The completion of your due diligence in step 4 will allow you to optimize the strengths of an RV payment plan.  This allows an RV payment plan to do what it does best, and that is to put you in a very low term, coupled with low interest rates.

That translates into less money out of your pocket, at the time of purchase, during the time of the payment schedule and at the time when you sell. You end up saving three times during the lifetime of an RV, just by understanding and allowing me to help you learn how to save money.

With those two-step completed correctly, we then use step 2 and step 3 to assure that the commitment of the purchase is protected and safe. These are the steps that makes you fell all fuzzy and warm inside. It gives you the protection needed to deal with the legalities of RV. From poor customer service, to a poor service dept and disputes at the RV level, to help with tickets, deferments, and  matters based within the legal jurisdiction of the courts.

Make Sure Your RV Is An Asset Not A Debt!

Now, Let's answer your 3 questions - Why, What and How Much

First "The Why's" -

Why Do You Need An RV Payment
And Pre-Paid Legal Plan?

Let's Start with the Payment Plan...

Easy, to save money on a depreciating investment, and that’s very hard to do, as we all know. Think about it, how many of your large purchases bought using a monthly payment plan actually saved you money or made you money on the trade-in or resale.

How many depreciating big-ticket items do you own that would be worth as much if not more than it is valued at? Not many, I’m sure. In today’s world of "no money down", you still owe way more than it's worth.

Think about those high dollar items that you are paying on. Except possibly the house, every one of them is probably worth less than what you owe on it. How would you like to purchase something, for once, that you don’t lose money on.

I can show you how to save thousands of dollars, years of payments, and will lower your interest rate considerably.

The methods that you put in place will make sure that the investment turns out to be a asset in your portfolio, not a debt.

News Flash: The industry doesn't care about your credit rating, cash flow or financial portfolio. It only cares about the sale.

And now the Legal Plan...

Why Does an  RV Owner Need A
 Pre-Paid Legal Plan ?

As a consultant, I can’t emphasize enough the need for 24/7 legal representation when it comes to owning an RV. We should all have the right to have equal representation when it comes to right and wrong, but unfortunately, United States has changed its moral fibers in the last 45 years. Everybody wants to sue and is looking for the easy buck. You need the ammunition to fight back on equal ground. I can’t impress on you enough the importance of a plan like this, especially for the fulltime RVer driving around the country.

Legal representation in the RV industry as it pertains to the consumers rights when disputing a charge or action against a sales dept, or more likely a service dept., is becoming more important as record numbers of RV’s are being brought into dealerships that just don’t have the facilities or personnel to cope with the demand. I know that your going to have some home based service issues, which this plan is designed to help with, but more importantly, this plan also covers you with legal representation when issues arise traveling outside your home base.

What would it be worth to you if you were to receive a ticket or citation the road and with a simply 800 phone call you would have a attorney from that area who has local recognition with the authorities at the courthouse in your corner. while you are off enjoying your life or back home. In my personal experience, it meant no points and a deferred case. You’ll be covered with any legal representation needed as long as it is regarding a personal situation, both in your personal life as well as in your RV life. Everybody in this country needs this; this is something that just doesn’t have to do with just the RV industry, this has something to do with the freedom that every American should have of being allowed to be able to have legal representation, very good, high quality, representation at a very, very inexpensive cost.

Remember the Last Time You Went to a Service Department and You Said to Yourself if I Just Had a Lawyers Phone Number Right Now!

How would you like to have that lawyer in your back pocket, so when you go to the service dept. and they’re giving you aggravation and tell you how long your RV is going to take to get fixed, or they don’t have the part, or the parts back ordered or the one I really love, "It was ordered, it took 4 weeks to get there and it was the wrong part and now it needs to be reordered". But nobody did it and that was 2 weeks ago - Why didn't they do it? They were waiting for you to come back to see if you still wanted it!  - Boy, I loved that one!

Now remember, this was after 2 months on a waiting list just to drop it off at the dealership which is now charging over $100.00 per hour! Now you’ve been standing at the counter for 30 minutes after standing in line 45 minutes just to get to the counter. They have informed you that the lot boy is looking for your RV, which had been moved after they didn’t have the right part and now they can’t seem to locate your unit on the lot. ( Fear not, they always find in buried somewhere in the locked storage lot that should only have RV’s that are being stored and pay a monthly fee.)

Ready for that lawyer yet? Ready for that lawyers letter head to be used? Not ready, you say. You can take more. Good, because without a lawyer, it will definitely be coming your way. And did I mention it would be a local attorney. Doesn’t matter where in the country the service dept. or legal issue is located in, you will be represented by someone from that area, so it will be recognized by the local business or authorities and you’ll be surprised how fast overnight service and a day in the bay will pass by! You pull that Pre-Paid Legal Services®. card out and make that 800 call and see what happens.

I’ve seen it happen, time and time again. Legal representation is poison to an RV dealership!! They rely on word of mouth and legal issues with customers staying either at the local RV park or living in the area, is not what they want anything to do with!

I kid around and tell people that if I wanted to sign up 10 people with a legal protection and Identity Thief program all I would have to do is visit my closest RV service center at 4:00 p.m. on any given Friday afternoon. I could get 10 people to sign up on the spot just by looking for 10 people standing in line to talk to the service manager after being told the updates on their RV’s by the service representative. Yes, they're the few that are happy with their service experience, they're the few that lucked out that time, but odds are that sooner or later you’ll see the wrath of the service dept. come down on you and you’ll wish you had gone ahead and gotten those airline tickets instead of putting that vacation money down on that RV. And here’s a twister for you - for some strange reason everybody wants his or her RV ready for the summer holidays. Go figure!

Every person in America is guaranteed a day in court and to be have legal presentation at that time. Our country was founded on it. Our brave men and women have and are fighting for it every since it was written.

You Can't Afford Not To Have The Peace Of Mind Of Freedom.

Next "The What's" -

Again, Let's Start with the Payment Plan...

What all RV purchases have in common, from a popup to a diesel pusher, is that the buyer is going to be upside down on the financial end if they follow the normal industry suggestions and procedures.

Say No More! There’s no way around it! The scenario is built for you to fail when it comes to staying on the right side of the NADA book. Any RV you buy depreciates more that what your monthly payment covers, so remember, the more you pay for the RV, the longer it will take to gain equity.

As a Professional Independent RV Consultant, I highly recommend an RV payment plan.

Now, It’s Time for the RV Industry

With no extra effort you can save $1000's of dollars in  interest that you would normally pay to your lender. The determination of where and how you spend your money can now be back in your hands.

• You can save thousands and thousand of dollars, by doing absolutely nothing more than to take your monthly payment and split it into two bi-weekly payments.

• You can take your 12, 15, 20 or even 30 year loan and shorten it down by as much as 25%, by doing absolutely nothing more than to take your monthly payment and split it into two bi-weekly payments

• You can take that 6 % rate and decrease it up to 35%, by doing absolutely nothing more than to take your monthly payment and split it into two bi-weekly payments!

• You can learn to optimize your negotiated price with the use of SmartNote^SM , the premier vehicle payment plan.

• You can learn to use an RV payment plan  so that you are guaranteed to save thousands…These procedures will assure that you optimize the an RV payment plan elements of success.

I’m tired of seeing people getting turned upside down to the point that they don’t ever have a chance of getting out of their RV, or for that matter, any other purchase that is structured through a long term payment plan with interest. You will be buried in monthly payments that are structured to pay 85% of the total amount of interest in the first 70 % of the term of loan.

Here's a example of what an RV payment plan can do:  

The RV payment plan simply restructures the payment schedule on your new or existing loan… so that your lender isn’t the only one to benefit from your hard earned money.

Listed below are the benefits that the an RV payment plan can offer the member…

Member Benefits:

• Increases equity in a depreciating asset.

• Shortens term.

• Lowers to “effective” interest rate.

• Payment convenience with auto-withdrawal

• Improves credit rating.

You can do this with an RV payment plan on any purchase, it doesn’t necessarily have to be a RV. It can be used with any monthly recurring interest based loan, from a car, boat, to a house.

There’s always a need to save money! So that for a very small investment that will end costing you nothing if you follow my instructions, you will have the opportunity to save money your entire life, by simply signing up now for my consultation and training!

NOTE: Here’s a crucial part of my financial system that I’ll share with you. Large down payments put you in a no-win situation. The first thing you’re taught as a salesman is to ask for a large down payment. They just add that to your loan amount from the bank, keep it all as profit, and you end up financing the same amount.

Now stay with me on this…

Let's say your going to put down a large amount as a down payment...

First, you would have to put a heck of a lot of money down to make a difference. But, that means your going to finance a smaller amount with the bank. Good for you, bad for them. So they change the terms and interest rate to make it good for them and bad for you. That sounds more like it, doesn’t it? Ever hear of a bank looking out for you, if it’s going to hurt them? They’ll start by tacking on a ½ point as a penalty for the smaller amount that you’re financing. That amount also dictates the length of the note. The smaller amount, the shorter the term. There's another penalty. So you end up with the same monthly payment, at a higher rate, for a shorter time. Please understand, they will end up with the same profit margin they wanted, and they will do whatever it takes to make a predetermined amount of profit to make the loan worth it to them.

That means you have to go after the principal, either by using the large down payment against the principal after the sale or by paying more than your scheduled monthly payment. That’s the only way to stay ahead of the book. There is no other way to do it, there is no secret formula, there is no crystal ball. I highly recommend that you talk to me about using an RV payment plan. I can show you that for a very small investment you can save thousands of dollars. You will stay ahead of the book value, knock down interest rates and decrease the terms so whenever you want to sell, you will always be in control.

As a bonus, I'll teach you is how to buy at zero down and penetrate pack, (which covers the cost of the RV) then buy back the points (which covers the interest rate) and then use an RV payment plan to bring the term in. (which covers the length of the loan). These steps will assure that you optimize what is the an RV payment plan elements of success. The completion of your due diligence with my help will allow you to optimize the strengths of an RV payment plan

This will allow an RV payment plan  to do what an RV payment plan  does best, and that is to put you in a very low term, coupled with low interest rates that will equal less money out of your pocket, at the time of purchase, during the time of the payment schedule and at the time when you sell. You end up saving three times during the lifetime of an RV, just by understanding and allowing me to help you learn how to save money

And now the Legal Plan...

The legal umbrella to protect the investment.

 

Pre-Paid Legal Services®

As a Professional Independent RV Consultant, I highly recommend and offer Pre-Paid Legal Services®.

Pre-Paid Legal Services®. offers Legal Service Plans providing access to justice for middle-income individuals and families. The plans are designed with the cost-conscious consumer in mind. Have you ever...

· wanted legal advice on a credit matter?
· wanted legal assistance with the purchase of a home?
· needed legal services in writing or revising your Will?

Did you know that for less than a dollar a day, you can have access to services previously reserved for the wealthy?

Pre-Paid Legal Services®., Inc. was one of the first companies in the United States organized solely to design, underwrite and market legal expense plans. .

The Company currently provides legal services to over 1.5 million families across the U.S. and Canada. Plan benefits are delivered through a network of independent provider law firms. Members have direct, toll-free access to their provider law firm rather than having to comb through a yellow-page style directory for a referral. Provider firms are carefully selected and the quality of service is closely monitored to maintain the high standards of Pre-Paid Legal.

Pre-Paid Legal Services®.has been providing a Life Events Legal Plan for over 35 years and now serves over 1.5 million families. Last year only, their firms in 48 states and four provinces received over 2.8 million calls from their members!

In response to the Terri Schiavo situation, Pre-Paid Legal now makes it possible for Pre-Paid Legal members to prepare a Living Will at no additional charge through the Pre-Paid Legal Forms Service Center.

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Don't forget this...

We all need to protect ourselves from Identity Theft, but RV owners are more prone to use their credit cards in a larger demographical area than a person who spends most of their money in a small area around their hometown. This is a now coming a very large concern in the RV industry, because a person whose homed based, even if they own an RV, will charge 90% of their purchases within a 10 to 20 mile radius of the same 5 to 15 stores. And since they charge mostly at the same store, gas station, convenience store, department store, automotive store, shopping centers, etc. their control over their credit card and its information are confined to a small and trusted area.

An Rver, especially a full timer, by nature of the lifestyle they chose, will expose themselves to more potential credit card theft since they travel outside their home area. Their security and control are diminished as the multiple exposures of their names, credit card numbers and personal information are scattered nationwide over many states and get out to more people in a larger demographical area. No it stands to reason that they should understand that the area of vulnerability has been greatly increased. So it’s easier now for the credit card and identity thief to prey on the card holder, who is out of their element and comfort zone, and take advantage of the RVer’s. (Example: How many times do you have to leave a credit card charge pending against your credit limit for nothing other than the seemingly innocent booking of future RV parks and sites.) Using the card all over the country leaves you open to a lot of exposure and possible damage to your financial portfolio, which is where you might necessarily not want to be.

Pre-Paid Legal Services® markets the Identity Theft Shield^SM to help you stay ahead of the curve. One of the most talked-about and fastest growing white-collar crimes in history, identity theft is a problem you can't afford to ignore.

Every person in America is guaranteed a day in court and to be have legal presentation at that time. Our country was founded on it. Our brave men and women have and are fighting for it every since it was written.

You Can't Afford Not To Have The Peace Of Mind Of Freedom

Now For The 3rd Question

The "How Much?" -

You will have legal representation by local attorneys no matter where you are in the country. This will cost you $16.00 a month, that 0.50 cents a day for professional legal representation. You also get a free-living will that needs to be done by all RVer’s on the road fulltime. For another $10.00 a month you can add Identity Theft Shield^SM  That’s another 0.30 cents a day. So for a total of 0.80 cents a day, the plan offers a complete umbrella of security that can cover you like you have never known before, or could ever image you could afford to have!

For a low monthly fee of $26.00 or less, the Company's legal expense plans (referred to as memberships) offer a variety of legal services in a manner similar to medical reimbursement plans or HMOs.

The Plan Will Pay For Itself Time and Time Again!

Remember,  When you sign up for a Pre-Paid Legal Services® membership, you will have the opportunity to take part in an extraordinary program that has been  providing a Life Events Legal Plan for over 35 years and now serves over 1.5 million families. Last year only, their firms in 48 states and four provinces received over 2.8 million calls from their members.

RV-Help Consultation

The Understanding Of Investing As Inexpensive As Possible

"Save Thousands of Dollars When You Purchase!"

Tired of spinning your wheels on which RV to buy? Confused on which one is the right deal, then let me help.

To show you how important I feel about you having a great RV experience, let me throw a few hooks in the water...

• I will offer my time to consult you during the purchasing period of the RV, where I will be available to you thru email and phone. You contact me, explain to me what you want, and I will take it from there. I will negotiate the deal via phone with the dealership or individual or advise you on what you need to ask and their grade of importance in the deal, and then you can negotiate yourself.

• I'll show you how to save $300.00 on necessary add-ons that are never mentioned during the negiotations.

• I'll show you how to buy for "no money down" at 110% of invoice and if we’re lucky , depending on the urgency of them selling the RV, might even be able to penetrate pack., (the dealerships cost of the RV) then try to buy back the interest rate and then use an RV payment plan to bring the term in. (which covers the length of the loan and interest rate).

• I'll show you a step-by-step business system that will take your payment note and reduce it by 20% by doing absolutely nothing. You will take those 6% to 8% interest rates and reduce them to as low as in half, by doing absolutely nothing!

• I'll show you a simple plan that will keep you ahead of the depreciation of most high dollar purchases. You can’t buy anything on a payment plan that you will not lose money due to depreciation. Most people who buy an RV will lose 50% of value in the first 2 years…I will show you how to take money out of the pockets of the RV dealer and banks and put it into yours!

• I can show you how to be 100% in control of your RV experience. You’ll have the quality in an RV, at the cost, at the terms, and the interest rate you want.
   

• Note: The RV dealers don’t want me telling you this! - Save thousands of dollars at the time of purchase, save thousands of dollars in RV payments during the term of the payment schedule and save years of payments at a rate of interest that you haven’t seen in years!!! ( to pay off the often upside down loan), by doing absolutely nothing but splitting your scheduled monthly payment into two. Use an RV payment plan to save up to $10,000 or more by simply paying down your principal using the program’s guidance.

• Don’t pay one extra penny out of pocket! Pay the absolute minimum regardless of how hardnosed the dealer is! I know this business inside and out and their tricks won’t work on me! I’ll guide you through the process!

• Understand, it’s not necessarily the RV you buy, that’s how the industry wants you to perceive it, so as a buyer you need understand the different ways you can buy and the tricks which dealers use that can cost you $1000’s!
   

You can get all this for a one time purchase price for only $500.00!!!

The Plan Will Pay For Itself Time and Time Again!

Remember,  With no extra effort you can save hundreds of dollars in RV loan interest that you would normally pay to your lender. The determination of where and how you spend your money can now be back in your hands.

I can show you how to be 100% in control of your RV experience. You’ll have the quality in an RV, at the cost, at the terms, and the interest rate you want.

“Ever since I started in the RV industry, I had a dream of helping people learn how to buy an RV right.“

Good RVing,
Hal Stein 

What is a Professional Independent RV Consultant

A Professional Independent RV Consultant will advise you on what is needed to know when buying an RV in the industry. He gives you all the correct information so you can make an educated decision and can play a major role in acquiring the RV  when the time comes to invest. He has no affiliation with any dealership, so he just tells it how it is, straight up, so your decisions will be based on logical, educated strategy opposed to a hit and miss system, confined to what a dealership sells, or if you like the salesperson (the old "trust me, folks, this RV is for you"). Understand, an RV salesperson associated with an RV dealership will sell you what they have in stock, not necessarily what you want or need. The fact is that what they have on their lot is all their interested in selling. An RV salesperson has an allegiance to a dealership and certain manufacturers, whereas a Professional Independent RV Consultant has one allegiance and that is to his clients.

Support America And Protect America’s Lands

Buy an American Built RV and Go Rving in America!

RVing- One of the Last, Great Frontiers

One of the True American Pastimes That Still Exists - RVing

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